CashPsych

I’m not big on identities, but I am extremely proud to be American. This is true every day, but especially today—I firmly believe this is the greatest country ever on Earth. The American miracle stands alone in world history. (I don't know much about his biography, but the fact that he's American contributed greatly to who he is. I believe that if Sam had been born in Brazil, where I live, it would be impossible for him to be who he is. I'd add that the contributions of tech personalities linked to Apple, Oracle, Google, Microsoft, Intel, HP, IBM, Adobe paved his way to success.) I believe in techno-capitalism. We should encourage people to make tons of money and then also find ways to widely distribute wealth and share the compounding magic of capitalism. One doesn’t work without the other; you cannot raise the floor and not also raise the ceiling for very long.   (Techno-capitalism, which he represents, plays a relevant role in how we'll use technology. It's inter...

Brazil's financial heartland, Faria Lima, is increasingly grappling with a complex new risk factor: the pervasive influence of organized crime, particularly the PCC (Primeiro Comando da Capital) and CV (Comando Vermelho) , on legitimate economic activities. This development is prompting significant concern among investors, business leaders, and fund managers who are now actively assessing the potential impact on their portfolios and the broader business landscape. The Evolving Landscape of Organized Crime in Brazil The PCC and CV are the two largest and most influential criminal organizations in Brazil. While the PCC originated in São Paulo's prison system in the early 1990s as a "mutual protection pact" for inmates, it rapidly evolved into a sophisticated criminal enterprise with a vast network. The Comando Vermelho, based in Rio de Janeiro , has a similar history, initially forming in prisons and later expanding its operations. Both factions have transcended their...

When we talk about investments, most people immediately think about money and how to make it grow. However, there are crucial behaviors along an investor’s journey that are rarely discussed in the media—perhaps because their effects aren’t immediate. Still, they make all the difference in the end result. By definition, investment revolves around money. And most investors are regular, working people with relatively stable monthly incomes. When they decide to build a more solid financial future, they almost always follow one of two paths: cutting expenses or increasing income. The first path—often the most applicable—is expense control, with the goal of having some money left at the end of the month. People take stock of the “leaks” where money slips away. Undoubtedly, this task involves evaluating whether expenses are essential or superfluous. If the goal is to pay off debt, applying this kind of reflection is essential. But it must be done with balance. The second path is seeking ne...