Our lives are greatly impacted by the choices we make

Human agency is fundamentally rooted in the power of choice. It's a fundamental truth that, regardless of the circumstances we face, the external pressures bearing down upon us, or the seeming lack of options, we always retain the capacity to choose. We can consciously select how we interpret events, deciding whether to respond with anger, compassion, resignation, or determination. We possess the ability to carefully consider our words, choosing to speak with kindness or harshness, honesty or deception, encouragement or criticism. And, perhaps most importantly, we are empowered to direct our actions, shaping our behavior and influencing the world around us. These decisions, no matter how big or small, don't just happen; they build up over time, shaping our identity and ultimately guiding our lives. They forge our character, shape our relationships, and determine the trajectory of our destiny, leading us toward the future we create, one choice at a time.

However, it is preferable to read the story I told about Mach in my book.

Author Sezgin Ismailov

Quotes from famous people about life

 "The only way to do great work is to love what you do." -Steve Jobs 

"Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven't found it yet, keep looking. Don't settle. As with all matters of the heart, you'll know when you find it."-Steve Jobs 

"The best way to find out what you want to do with your life is by doing it."-John Lennon

 "You can't connect the dots looking forward; you can only connect them looking backward. So you have to trust that the dots will somehow connect in your future. You have to trust in something — your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life."-Steve Jobs

 "The only limit to our realization of tomorrow will be our doubts of today."-Franklin D. Roosevelt 

"We may encounter many defeats but we must not be defeated."-Maya Angelou

 "It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows, in the end, the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither knows victory nor defeat."-Theodore Roosevelt 

"I can't change the direction of the wind, but I can adjust my sails to always reach my destination."-Jimmy Dean

 "Don't Let Yesterday Take Up Too Much Of Today."-Will Rogers

 "Don't be afraid to give up the good to go for the best."-John D. Rockefeller 

"People often say that motivation doesn't last. Well, neither does bathing. That's why we recommend it daily."-Zig Ziglar 

"There is only one way to avoid criticism: do nothing, say nothing, and be nothing."-Aristotle 

"The only person you are destined to become is the person you decide to be."-Ralph Waldo Emerson "Go confidently in the direction of your dreams. Live the life you have imagined."-Henry

The happiness of your life depends upon the quality of your thoughts: therefore, guard accordingly, and take care that you entertain no notions unsuitable to virtue and reasonable nature. Marcus Aurelius

We are shaped by our thoughts; we become what we think. When the mind is pure, joy follows like a shadow that never leaves. Buddha

All action results from thought, so it is thoughts that matter.Sai Baba

 A man is what he thinks about all day long.Ralph Waldo Emerson

The greatest discovery of my generation is that a human being can alter his life by altering his attitudes. William James

First comes thought; then organization of that thought, into ideas and plans; then transformation of those plans into reality. The beginning, as you will observe, is in your imagination. Napoleon Hill

Imagination is everything. It is the preview of life's coming attractions.

Albert Einstein

When you master your mind, you master your life. The mind is everything, what you think, it becomes. Our life becomes what we think about. Thinking is one of the greatest abilities we possess. It is very important to know how to think correctly because life is a mirror and reflects back to us what we think.

John Marks Templeton

Some money quotes from great people

Under capitalism, man exploits man. Under communism, it's just the opposite.

John Kenneth Galbraith

We teach about how to drive in school, but not how to manage finances.

Andy Williams

Starting out to make money is the greatest mistake in life. Do what you feel you have a flair for doing, and if you are good enough at it, the money will come.

Greer Garson...

Finance is a gun. Politics is knowing when to pull the trigger.

Mario Puzo

The very nature of finance is that it cannot be profitable unless it is significantly leveraged... and as long as there is debt, there can be failure and contagion.

Alan Greenspan

There's been a myth perpetuated where people think, 'I need to go into consulting, banking, finance, law, or medicine to make a consistently reasonable amount of money.' People are now realizing that's not the case.

Fred Ehrsam

If money is your hope for independence, you will never get it. The only real security one can have in this world is a stock of knowledge, experience, and ability. – Henry Ford

It's not about how much money you make, it's about how much money you save, how it works for you, and how many generations you'll be able to keep it.” Robert Kiyosak

Money means different things to different people. Some people see money as a way to buy things they want, while others see it as a way to save for a rainy day. Some people see money as a way to invest in their future, while others see it as a way to spend on their present. Money is important, but it's not everything.  

Direct your thoughts to be positive for you, people and nature.

This book serves as a motivational guide. This book is particularly focused on the topic of financial well-being

The Richest Man in Babylon stands as a cornerstone in my personal finance library, and I wholeheartedly believe it's one of the best books ever written on achieving financial well-being. Its enduring power lies in the simplicity and practicality of the seven rules it presents, offering a clear and accessible pathway to building wealth, even for those with no prior financial knowledge.   Upon first encountering this book, the wisdom and practicality of its author, George S. Clason, immediately struck me. It broke down complex financial concepts into manageable steps, making the idea of building wealth feel attainable. I am confident that "The Richest Man in Babylon" has touched countless lives, empowering readers to take control of their financial destinies and build a more secure future.  I urge you to read this book, not just once, but multiple times. Let it serve as a guiding principle, a constant reminder of the essential habits and principles that lead to financial security. What's truly remarkable is that, despite being published nearly a century ago, its message remains as relevant and impactful today as it ever was. The timeless wisdom transcends generations, offering a foundation for financial success in any era.  I can honestly say that "The Richest Man in Babylon" has had a profound influence on my own financial journey. It's a book I recommend without hesitation—a full 100 percent endorsement. While there are undoubtedly other excellent books on personal finance, this one holds a special place in my heart. Its allegorical style and easily digestible lessons resonated deeply with me. I truly hope that you, too, will find its wisdom valuable and that it will empower you to achieve your own financial goals.

Author Sezgin Ismailov

An instructive parable about different possibilities and visions

A Jewish shoe manufacturer aimed to grow his business .  He decided to send his eldest son to Africa to explore the shoe market. He gave him money for a month and sent him to look for suitable markets.  The older son left and returned after a month.  The father welcomed him, saying,.

- Did you succeed, son, in finding suitable markets for us?

The elder son replied.

- It is impossible to sell shoes there. They all go barefoot. There is no hope for us.

The father, after his words, decided to send the younger son to investigate.

After a month, he returned .

The father welcomed him by saying,.

- Have you managed, son, to find suitable markets for us?

The little son replied.

-"Daddy, there is a giant potential in Africa." Everybody goes barefoot there, and it is a wonderful opportunity for us. There is enormous hope for us.

You can systematize your business so that it functions without your direct supervision

 If you have a business, you can systemize it so that it runs without your active involvement. This method could involve hiring employees, creating systems and processes, and automating as much as possible. Once your business is systemized, you can earn passive income from the profits it generates.  Another way to generate passive income is to invest in stocks, bonds, and other securities. This strategy could involve investing in a mutual fund or exchange-traded fund (ETF). You can also invest in individual stocks or bonds. The key is to find investments that will pay you regular dividends or interest payments.  If you have a blog or website, you can sell advertising to earn passive income. You can use Google AdSense or another ad network to place ads on your site. When visitors click on the ads, you will earn money.  Another way to generate passive income is to write an e-book and sell it online. This strategy could involve selling your e-book on Amazon or on your own website.  If you have expertise in a particular area, you can create a course and sell it online. This could involve creating an online video course, an audio course, or a written course. You can also sell courses on sites like Udemy.  Another way to generate passive income is to invest in rental properties. Such an investment could involve buying a property and renting it out to tenants. You can also invest in a vacation rental property and earn income from the rental payments.  Peer-to-peer lending is a way to earn passive income by lending money to others. You can use a peer-to-peer lending platform to lend money to borrowers. The platform will then collect the loan payments from the borrowers and pay you the interest.  Affiliate marketing is a way to earn commissions by promoting other people's products. You can find products to promote on Amazon or other affiliate networks. When someone buys a product through your affiliate link, you will earn a commission.

Author Sezgin 

The 30/30/3 rule should always be followed when purchasing real estate.

If you truly have the opportunity, I recommend that you take it.

But I recommend you really read a bit more before you put your money in. There are countries where property yields are higher. This phenomenon extends beyond individual states and encompasses entire regions. The determining factor is close jobs and excellent communication. Buying property is an option, but it may not be worth it if it doesn't earn money. I have bitter experience with such properties. The low price lures you in. However, this means that your money is tied up and not easily accessible. Always follow the 30/30/3 rule for buying property as a minimum. This advice applies to both personal and investment purchases. For me, this is the rule for a successful purchase, but I never use credit. The best thing is that if you don't have money for your property investment, you can invest in property management funds.

You have the opportunity to invest a small amount each month. REITs are the best because they are legally required to pay out up to 90 percent of their profits. The little money you have can bring you income. Rather than accumulating it in the bank and letting inflation erode it, you can use it to generate income. 

 Author Sezgin Ismailov

An Ordinary Person's Opinion About Cryptocurrencies

To be honest, my knowledge of cryptocurrencies is limited. I've perused some online articles and listened to the buzz, but I'm primarily observing from a distance. I comprehend some of the purported advantages—the application of blockchain technology and its potential to transform other aspects of the internet. It’s innovative; I’ll give it that. However, the fact that we still don't know who created Bitcoin, the original cryptocurrency, is a significant concern. In this age of massive data collection and widespread surveillance, how can someone remain completely anonymous? It just seems a little…suspect. Validators will control transactions. I don't really understand the technicalities, but from what I understand, it's not really decentralized. It's more like a parliamentary system. But a decentralized parliamentary system has its drawbacks, and it makes me wonder how those drawbacks will play out in the future. Who is ultimately responsible if it all collapses? Who bears the ultimate responsibility? One of the biggest drawbacks, in my opinion, is the lack of a central authority. Every country has its own official currency, issued and regulated by a central bank. But with crypto, anyone with the right computer skills can create their own digital currency. Last I heard, there were already over 5,000 different cryptocurrencies! I wouldn’t be surprised if the number eventually climbs into the hundreds of thousands. Is it reasonable to anticipate that these new, random cryptocurrencies will maintain their value? It appears that this situation could lead to chaos. I observe individuals rushing into cryptocurrency investing with the expectation of achieving rapid wealth. They read a few articles and suddenly believe they are financial experts, but do they truly understand what they are investing in? Are they familiar with the technology behind it? Probably not. But the question is inevitable: will governments and big banks allow it? Will they let people do whatever they want with their money? I find it highly unlikely. It seems likely that big banks, with their established customer bases, will eventually create their own cryptocurrency and start charging transaction fees. It seems logical. Another big concern I have is security—specifically remembering and managing passwords. If you forget your password, what happens to your cryptocurrency? Could it potentially vanish into the digital ether? That’s a huge problem that doesn’t exist with traditional banks. And what happens when someone who owns a significant amount of cryptocurrency dies? In a normal bank, you have access to your heirs. How does this transfer of wealth work in the world of cryptocurrency? I have no idea. Of course, I understand the appeal of using cryptocurrency for illegal activities or for avoiding taxes. But if no one pays taxes, who will fund public services like infrastructure and law enforcement? You can’t have a functioning society if everyone is dodging taxes through cryptocurrency. Imagine a future where major companies create their own cryptocurrencies. Amazon only accepts AmazonCoin, Walmart only accepts WalmartBucks, and McDonald's only accepts McCoins. How would an average person manage in such a situation? You'd need a smartphone loaded with different cryptocurrency wallets, and you have to remember a dozen different passwords just to buy groceries. Honestly, I think the potential downsides of cryptocurrencies outweigh the advantages. Perhaps a more regulated approach would be better. Perhaps if each continent (Latin America, North America, Europe, and Asia) had its own digital currency, plus a global currency as a base, things would be more stable. Perhaps if each government controlled a single digital currency, that would prevent the market from becoming completely saturated with worthless coins. If cryptocurrency could be anchored in a secure, stable foundation and protected from those who would seek to exploit it for malicious purposes, perhaps it would have a more secure future. But right now, it seems like we’re living in a fantasy. A third of the world’s population still struggles to access basic necessities like clean water. Embracing this speculative madness when so many people are grappling with basic needs feels somewhat absurd. That said, I do believe that the volatile fluctuations we're seeing now will eventually lead to the emergence of more legitimate and stable digital currencies. I wouldn't venture to predict exactly how it will unfold, but my guess is that the large, financially stable, and technologically advanced countries will be the ones to shape the future of digital currency. Finally, I can't ignore the environmental cost of cryptocurrency mining. The amount of energy consumed by the process is staggering. We need to prioritize environmental protection, and that includes finding more sustainable ways to power the digital world. If I live to see a time when digital currencies are absolutely necessary, then I will need to buy a smartphone. So what, I have to keep all my wealth in my pocket. I can't imagine how people can become targets. We are fighting for a better world. But it will become more dangerous. Currently, it is evident that countries and their systems are not functioning optimally. Could we consider moving beyond divisions based on race and religion? When will we start calling ourselves earthlings? When will everything become unipolar?

Author Sezgin Ismailov