Understanding the psychology behind habits can unlock the door to personal growth and self-improvement.

Never use a credit card for credit. The only kind of credit， or debt， that is acceptable is debt to acquire something whose exchange value is extremely likely to increase， like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.

The challenge of our time is to create a sustainable energy future.

Cryptography is the art of transforming information into a form that is unintelligible to anyone who does not possess the key to unlock it.