Consider the audacity of instructing Equifax, Experian, and TransUnion not to acquire, record, or disclose any information about you. It would be met with amusement rather than compliance. Doesn’t this disparity strike you as peculiar, or is it just me?

Why is it that banks can freely share customer information among themselves, colluding to determine rates under the guise of risk management, while entrepreneurs in other industries are strictly prohibited from sharing customer data? Horizontal collusion, as defined by antitrust laws, refers to competitors at the same market level agreeing to fix or control prices for their respective goods and services. Interestingly, retailers, media companies, and consumer products companies are bound by privacy regulations and face severe consequences for any attempt to share customer information. However, banks, financial institutions, and credit card operators enjoy the privilege of exchanging detailed client data, even going so far as to notify each other about updates on a customer’s credit report. This report, far from being anonymous or private, reveals personal financial details, outstanding debts, creditors, and the client’s overall performance. If a mistake is made in reporting, it falls upon the customer to rectify it, as there are no penalties for the banks.

While individuals or companies in other sectors would face legal consequences for engaging in collusion to establish price-fixing mechanisms or manipulating distribution channels, banks seem to operate under different standards. It appears that money, being a product in itself, holds a unique status. Banks and financial institutions are permitted to create money using people’s funds and freely share their customers’ information without facing the same repercussions as other industries. This discrepancy raises the question of why the financial sector is afforded such leeway.

One might argue that customer consent plays a significant role, but it’s clear that banks employ coercive tactics to obtain consent. Refusal to sign consent forms means denial of basic financial services, such as checking accounts, credit cards, and even savings accounts. It becomes virtually impossible to receive salary payments without a bank account. Imagine if other industries, like car manufacturers, required customers to sign agreements allowing their information to be shared, or if supermarkets required consent to sell products like meat, milk, sugar, beer, or baby food. The disparity becomes more pronounced when it comes to news consumption. You can decline participation in data sharing with various companies, but the bank remains the exception.

Consider the audacity of instructing Equifax, Experian, and TransUnion not to acquire, record, or disclose any information about you. It would be met with amusement rather than compliance. Doesn’t this disparity strike you as peculiar, or is it just me?

Perhaps this uneven playing field, where banks engage in horizontal collusion, is a contributing factor to the collapsing financial system and the rise of decentralized finance (DeFi) and blockchain technology. Increasingly, people are embracing the notion that rules should apply to everyone, and the rise of blockchain signifies a shift towards a more equitable system. After all, money is the outcome of global workforce productivity, where individuals create wealth that can be converted into a means of sustenance.

By reimagining financial systems and embracing decentralized alternatives, individuals are seeking to reclaim control over their financial information and challenge the disproportionate power dynamics that currently exist.

The Duties and Vision of CEOs and Board of Directors in Leading a Company

The Japanese proverb, “Be not afraid of going slowly. Be afraid of standing still,” encapsulates a profound wisdom that holds great relevance for CEOs and members of the Board of Directors in their roles as leaders. This essay explores how this proverb aligns with the duties and visionary mindset required when leading a company, emphasizing the importance of steady progress and continuous improvement.

1. Embracing Incremental Progress: The Japanese proverb encourages CEOs and Board members to embrace the concept of gradual progress. Instead of being overwhelmed by the magnitude of challenges or pursuing rapid yet unsustainable growth, they focus on taking measured steps towards success. By acknowledging the value of incremental progress, they foster a culture that recognizes the importance of every small achievement and understands that sustained success often stems from consistent efforts over time.
2. Promoting Continuous Learning and Adaptation: Ceos and Board members who embody the spirit of the proverb recognize the significance of continuous learning and adaptation in a rapidly changing business landscape. They encourage their teams to engage in ongoing education, foster a culture of curiosity, and promote an environment where experimentation and innovation are encouraged. By cultivating a growth mindset and embracing new ideas, they empower their organization to adapt, evolve, and thrive in the face of uncertainty.
3. Balancing Stability and Innovation: While the proverb emphasizes the danger of standing still, it also underscores the need for stability. CEOs and Board members must strike a delicate balance between maintaining core values, principles, and organizational stability while fostering a culture of innovation and progress. They provide a solid foundation for their teams to build upon, ensuring that the company remains agile, responsive, and open to change.
4. Inspiring a Long-term Vision: The proverb encourages leaders to adopt a visionary mindset, looking beyond immediate gains and focusing on long-term success. CEOs and Board members play a crucial role in setting and communicating a compelling vision that inspires stakeholders and employees alike. By providing a clear direction and aligning the organization towards a shared purpose, they motivate individuals to persistently work towards realizing the long-term goals of the company.
5. Overcoming the Fear of Failure: In line with the proverb’s wisdom, CEOs and Board members should encourage a culture that embraces calculated risks and learning from failures. They create an environment where individuals are not paralyzed by the fear of making mistakes but are encouraged to take measured risks, learn from setbacks, and iterate towards success. By fostering resilience and a growth-oriented mindset, they enable their teams to keep progressing, even in the face of challenges.

By embracing the Japanese proverb, “Be not afraid of going slowly. Be afraid of standing still,” CEOs and Board members can instill a mindset of continuous improvement, steady progress, and long-term vision within their organizations. By valuing incremental progress, promoting continuous learning, balancing stability and innovation, inspiring a compelling vision, and overcoming the fear of failure, they lead their companies on a path of sustainable growth and success. In doing so, they foster an environment where progress is celebrated, innovation thrives, and individuals are motivated to persevere on the journey towards achieving their shared goals.

Everybody agrees that after the pandemia, Education was going to change, but when my 6 year old daughter went to a larger school after being to very small schools or even home-schooling, I realize that this seems like there has been no changes and here we are back in to the same old tricks.

While the first day of school can be an exciting and positive experience for a 6-year-old, there are certain factors that could potentially lead to a negative impact or backlash. It’s important for parents, teachers, and caregivers to be aware of these potential challenges and address them appropriately. Here are some things to look out for:

1. Separation Anxiety: Some 6-year-olds may experience separation anxiety when starting school. They may feel distressed or anxious when separated from their parents or familiar surroundings. It’s essential to provide reassurance, establish a routine, and gradually ease them into the school environment.
2. Bullying or Exclusion: Instances of bullying or exclusion can have a significant negative impact on a 6-year-old’s well-being and self-esteem. It’s important to create a safe and inclusive environment where children feel comfortable expressing themselves and reporting any incidents. Teachers and parents should actively address and prevent bullying behavior.
3. Academic Pressure: Introducing academic pressure at a young age can have adverse effects on a 6-year-old’s mental well-being. While learning is important, it’s crucial to maintain a balanced approach and focus on holistic development rather than excessive academic demands.
4. Unrealistic Expectations: Placing unrealistic expectations on a 6-year-old’s academic or social performance can lead to stress, anxiety, and feelings of inadequacy. Recognize and appreciate each child’s unique abilities and progress, and avoid comparing them to others.
5. Lack of Support: Insufficient support from teachers or parents can hinder a 6-year-old’s adjustment to school. It’s important for adults to provide guidance, encouragement, and emotional support, fostering a positive learning environment.
6. Overwhelming Environment: A 6-year-old may find the new school environment overwhelming, especially with large class sizes, loud noises, or unfamiliar routines. Gradually familiarize them with the surroundings, break tasks into manageable steps, and provide opportunities for breaks or quiet time when needed.
7. Neglecting Social and Emotional Development: While academic development is important, neglecting social and emotional development can have long-term consequences. Ensure that opportunities for social interaction, emotional expression, and development of interpersonal skills are incorporated into the educational experience.

It’s crucial for parents, teachers, and schools to be proactive in addressing any negative impacts or challenges that may arise. Open communication, supportive environments, and a focus on the child’s overall well-being are key in mitigating potential backlash and promoting a positive school experience for 6-year-olds.

But there are many positive things about the first day at school, when there is no daycare, but real school system, with teachers, classrooms, books and homework :

1. Excitement: Starting school can be an exciting experience for a 6-year-old. They may feel eager to meet new friends, explore their surroundings, and engage in various activities.
2. Independence: The first day of school often symbolizes a new level of independence for a 6-year-old. They may begin to develop a sense of autonomy as they participate in activities, follow routines, and make decisions with the guidance of their teachers.
3. New Experiences: School exposes children to a range of new experiences. From learning new subjects, engaging in creative activities, and participating in group projects, a 6-year-old will encounter numerous opportunities to expand their knowledge and skills.
4. Social Interaction: The first day of school is a chance for a 6-year-old to interact with peers outside their immediate circle of family and friends. They can form new friendships, learn to share, cooperate, and navigate social dynamics within the classroom setting.
5. Foundation of Learning: School provides a structured environment where children begin to acquire foundational knowledge and skills that will shape their future education. They will start learning basic literacy and numeracy, problem-solving, critical thinking, and other essential skills.
6. Adaptation: The first day of school can be a significant milestone for a 6-year-old in terms of adapting to a new routine and environment. They will learn to follow schedules, adjust to the expectations of the classroom, and develop a sense of discipline and responsibility.
7. Personal Growth: School offers opportunities for personal growth and development. Through various activities and challenges, a 6-year-old can build resilience, confidence, and a sense of accomplishment as they overcome obstacles and achieve milestones.

Carl Jung’s Theory of the Collective Unconscious and the Fascinating World of Fungi

Carl Jung’s theory is the collective unconscious: He believed that human beings are connected to each other and their ancestors through a shared set of experiences. We use this collective consciousness to give meaning to the world. Could you elaborate how this is more important in a technology world approach?ChatGPT

The concept of the #Collective_Unconscious gains relevance in a technology-driven world because it emphasizes the interconnectedness of individuals, the sharing of experiences, the influence of shared knowledge, the impact of archetypes, the formation of digital communities, and the need for collective responsibility. Acknowledging and understanding this interconnectedness can help shape our relationship with technology, foster empathy, bridge divides, and promote a more meaningful and conscious engagement with the world.

The theory of the collective unconscious proposed by Carl Jung and the functioning of the world of fungi are two distinct concepts, but we can draw some interesting comparisons between them: While Carl Jung’s theory of the collective unconscious and the world of fungi may originate from different fields, they reveal intriguing parallels that celebrate the interconnectedness of natural and psychological systems. By exploring the shared themes of interconnectedness, shared knowledge, hidden processes, and symbiotic relationships, we gain a deeper appreciation for the intricate web that connects all aspects of existence. The merging of these concepts serves as a reminder to acknowledge and nurture the interdependence between humanity and the natural world, fostering a greater sense of harmony and understanding.

In this article, I embark on a fascinating exploration that merges Carl Jung’s theory of the collective unconscious with the intricate workings of the world of fungi. While these concepts originate from distinct realms—psychology and biology—we can draw intriguing comparisons that highlight the interconnectedness and hidden complexities within natural and psychological systems. Let’s delve into the parallels between Jung’s theory and the remarkable world of fungi.

1. Interconnectedness: Both the theory of the collective unconscious and the world of fungi emphasize the interconnectedness of living systems. Jung proposed that human beings are connected to each other and their ancestors through a shared set of experiences and archetypes. Similarly, fungi thrive in complex networks underground, forming mycelial networks that facilitate communication, nutrient exchange, and symbiotic relationships with other organisms. This interconnectedness reminds us of the intricate bonds that exist within and between natural and psychological systems.
2. Shared Knowledge and Information: Jung’s theory suggests that the collective unconscious contains shared symbolic and archetypal content that shapes human experiences. Similarly, fungi exhibit a form of collective intelligence through their mycelial networks. These networks allow fungi to exchange information, such as chemical signals, influencing the behavior and growth patterns of the entire fungal community. Both the collective unconscious and fungal networks demonstrate the power of shared knowledge and information, driving the collective behavior of individuals.
3. Unseen and Hidden Processes: The collective unconscious, often hidden from conscious awareness, operates as an unseen aspect of the human psyche. Similarly, the world of fungi predominantly operates underground, hidden from plain sight. The intricate networks and processes within the fungal kingdom play vital roles in nutrient cycling, decomposition, and ecological balance, even though they remain invisible to us. This parallel emphasizes the significance of the hidden or unseen aspects that contribute to the overall functioning of both systems.
4. Symbiotic Relationships: Fungi are renowned for their symbiotic relationships with other organisms, such as the mycorrhizal associations with plants. These relationships involve mutualistic exchanges of nutrients and benefits. Similarly, Jung proposed that the collective unconscious contains universally shared archetypes and symbols, forming a symbiotic relationship between the individual and the collective psyche. Both concepts highlight the importance of symbiosis and mutual support for the well-being and growth of the systems involved.

I explored and tried to bring up front how the concept of the collective unconscious relates to our current technological landscape (that is when I realize that the world of fungi was really near it) :

1. Connectivity and Shared Experiences: Technology has bridged the gaps of time and space, enabling people from diverse backgrounds to connect and share experiences. Through social media, online communities, and virtual platforms, individuals can now engage in conversations, exchange ideas, and participate in collective movements. This connectivity fosters a sense of shared experiences, as people can relate to each other’s stories, struggles, and aspirations. The collective unconscious becomes more apparent as we realize that our thoughts, emotions, and dreams can resonate with others worldwide.
2. Information and Knowledge Sharing: Technology has democratized access to information and knowledge. With a few clicks, we can explore vast databases, engage in online courses, and learn from experts across various fields. The collective unconscious comes into play as this shared knowledge shapes our understanding of the world. We build upon the insights, discoveries, and cultural heritage of our ancestors and contemporaries, forming a collective pool of wisdom that shapes our individual and collective perspectives.
3. Cultural Influences and Archetypes: Jung proposed the existence of archetypes within the collective unconscious, universal symbols and themes that manifest in various cultures and individuals. In a technology-driven world, these archetypes become even more visible. Popular culture, media, and the internet amplify and disseminate archetypal symbols and narratives, impacting our collective consciousness. Memes, viral trends, and shared cultural references shape our perception of reality and the meanings we assign to the world around us.
4. Digital Tribes and Identity Formation: Technology facilitates the formation of digital communities and tribes, where like-minded individuals gather around shared interests, beliefs, or identities. These communities create spaces for individuals to explore and express their unique selves while still being part of a collective. In this context, the collective unconscious influences the shared values, norms, and identities of these digital tribes, as they collectively construct their meanings, symbols, and narratives.
5. Global Challenges and Collective Responsibility: The technological world also presents global challenges that require collective responses. Issues like climate change, social justice, and technological ethics transcend individual perspectives and demand collaborative efforts. Recognizing our interconnectedness and the shared responsibility for the well-being of the planet and humanity aligns with the concept of the collective unconscious. It calls for a collective awakening and a shared sense of purpose to address these challenges.

Taxation is a fundamental aspect of modern societies, providing the necessary funds for public goods and services. However, two distinct practices have emerged regarding tax payment: evasion and elusion. While both evasion and elusion involve minimizing tax liabilities, they differ in their legality and societal implications. This essay aims to explore the differences between evasion and elusion, focusing on the Western world, and examine how society deals with these practices.

Let’s go through an analysis of what is what :

1. Tax Evasion: Tax evasion refers to the illegal act of intentionally evading the payment of taxes. It involves the deliberate concealment or misrepresentation of income, assets, or transactions to avoid tax obligations. Evasion undermines the integrity of the tax system and can lead to substantial revenue losses for governments. It is generally considered unethical and is subject to legal penalties when discovered.
2. Tax Elusion: Tax elusion, on the other hand, involves the legal exploitation of loopholes or ambiguities in tax laws to reduce tax liabilities. Elusion relies on strategic planning and the use of complex legal structures or practices. While elusion is technically within the boundaries of the law, it raises moral concerns about fairness and equity in the tax system. Although not illegal, elusion often attracts public scrutiny and can damage the reputation of individuals or corporations involved.
3. Society’s Response to Tax Evasion: Society generally takes a strong stance against tax evasion due to its illegal nature and detrimental impact on public finances. Governments implement stringent measures to detect and deter evasion, such as rigorous audits, penalties, and criminal prosecutions. Additionally, public awareness campaigns aim to emphasize the negative consequences of tax evasion, fostering a culture of compliance and social responsibility.
4. Society’s Response to Tax Elusion: While tax elusion is technically legal, societies have increasingly recognized the need to address its ethical implications. Public opinion often condemns aggressive tax planning that exploits legal loopholes and reduces the tax burden on wealthy individuals or multinational corporations. Consequently, governments and international organizations have been taking steps to close loopholes, enhance tax transparency, and promote international cooperation to combat elusion effectively.
5. Legislative and Policy Efforts: To address both evasion and elusion, governments in the Western world have implemented various legislative and policy measures. These include stricter tax laws, increased transparency requirements, and international cooperation through initiatives like the Base Erosion and Profit Shifting (BEPS) project. Governments also work towards closing legal loopholes and creating a fairer tax environment that promotes compliance and minimizes opportunities for elusion.

In the Western world, the distinction between tax evasion and tax elusion plays a crucial role in how society deals with these practices. Tax evasion is universally condemned due to its illegal nature, while tax elusion raises ethical concerns despite its legality. Governments and societies have responded by implementing measures to combat both practices, with a focus on deterrence, fairness, and transparency. Striking a balance between a robust legal framework and a socially responsible tax culture is essential to ensure the integrity and effectiveness of the tax system in the Western world.

In a world that often glorifies meticulous planning and flawless execution, it is easy to fall into the trap of waiting for the perfect moment before embarking on a new endeavor. However, this approach of waiting to “feel ready” is a recipe for inaction and can significantly impede progress. Life is unpredictable, and even the most well-crafted plans can encounter unexpected obstacles. This article explores the drawbacks of waiting for readiness and emphasizes the importance of embracing action in the face of uncertainty.

1. The Illusion of Readiness: Waiting for the perfect conditions or that elusive feeling of readiness is often an illusion. Rarely does everything align exactly as planned. Circumstances can change, unforeseen challenges may arise, and the longer we wait, the more likely we are to succumb to doubt and fear. Instead of fixating on readiness, it is crucial to acknowledge that progress is often born out of taking the first step, even if uncertainties lie ahead.
2. Learning Through Experience: Taking action, even in the absence of perfect readiness, allows for invaluable experiential learning. While planning has its merits, there are certain aspects that can only be understood through hands-on engagement. By embracing action, we gain firsthand knowledge, develop problem-solving skills, and adapt to unforeseen circumstances. These experiences equip us with the resilience and adaptability needed to navigate the unpredictable nature of life.
3. The Paralysis of Overplanning: Excessive planning can lead to analysis paralysis, where the pursuit of perfection hinders progress. While it is essential to have a basic framework and a clear vision, it is equally important to remain flexible and open to adaptation. Overplanning can create a false sense of control, causing us to overlook opportunities and delay taking action. Embracing a mindset of flexibility and preparedness allows for agile responses to the ever-evolving nature of our endeavors.
4. Progress Through Imperfection: Waiting for the perfect conditions or flawless execution can lead to missed opportunities. It is important to recognize that progress often stems from embracing imperfections and learning from failures. By taking action despite uncertainties, we create momentum and open doors to unforeseen possibilities. Each step forward, even if imperfect, contributes to personal and professional growth.
5. Embracing Action as a Catalyst: By shifting our mindset from waiting for readiness to embracing action, we unlock our true potential. Taking the initiative propels us out of our comfort zones, fuels motivation, and instills a sense of accomplishment. It fosters a proactive mindset that actively seeks opportunities for growth and innovation. Ultimately, embracing action becomes a catalyst for personal and professional development.

Waiting for readiness before starting something can be a paralyzing mindset. The reality is that plans rarely unfold exactly as expected, and progress is often hindered by overplanning and excessive caution. Instead, we should embrace action, even in the face of uncertainty, as a means to learn, grow, and adapt. By taking that first step, we embark on a journey of discovery, resilience, and transformation. So let go of the need for perfection and embrace the power of action to propel you toward your goals and aspirations.

One of the rules that we always talk at Board meetings, closed doors, is how do we get our team NOT to look into the competition as the beacon to look at what to do, how to react, how to gain market share.  Always trying to convey the message that you should be aware of them, but you should go after your clients, customers, stakeholders, and make what is best for them and the company, disregard what your competition does or not.

I learn this when I was a kid and my father used to wake us up at 4:30 am, jump into the club swimming pool, and be very competitive.   I really never made it more than what expected, because – my father dixit – I was too focused on the other lanes, on what the there people were doing instead of trying to beat myself every day, every new stroke by stroke….

If you look at why the candidates that are gone, are gone, is mostly because they stop worrying about their constituents, the voters, their public; and they focus on what was the competition doing.

Listen to them all :

Ted Cruz  and Marco Rubio even teamed to “bring down Donal Trump and make sure he never gets elected …” annd now even the Democrats are doing it; Bernie Sanders just made this his central speech .

Will Hillary Clinton be the last one to say it ?   So far she has been the smarter of all, dismissing her “competition” and stating that she focus on the people that follow her and that wants to listen to her.  But her campaign managers are not  : “We can’t have Donald Trump in the White House “

My advice to whoever ends up been the candidate : WORK for YOUR votes, talk to your constituents, be strong in your points, this is NOT about not letting Donal Trump become President, it is about WHAT the voters want.