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What are some great online tools for startups? Why?
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What's an explanation of dark matter in details, with very high accuracy?
To fulfill your stated requirements would require (1) a post the length of a book, and (2) a deeper understanding than I personally have. However, given that Quora is not the right place to write a book anyway, I may know enough to take a reasonable crack at this. With that said, though, if you're an actual expert on one of these areas and catch something I've explained incorrectly, please let me know in the comments so that I can fix it!Yes, it's still quite long, but keep in mind that this is the short version.What is Dark Matter (DM)?Dark Matter is just matter that doesn't interact via the Electromagnetic (EM) or Strong Nuclear forces. No EM interactions means that it can't give off light, or absorb light, or reflect, refract, or scatter light in any way. This, naturally, makes it rather difficult to see (thus "dark" matter, although I suppose it's more "transparent" than "dark"). Our current best measurements indicate that something like 85% of the matter in our observable Universe (about a quarter of the total mass-energy content) is Dark Matter.Isn't Dark Matter weird/spooky?Not at all. Neutrinos, for example, satisfy the definition of Dark Matter, they just represent such a tiny fraction of the total DM in the Universe that people tend to neglect them when they ask, "what is Dark Matter made of?"There is nothing at all strange or unusual about certain particles not interacting in certain ways. Neutrons have no electric charge (although they do have EM properties, but that's neither here nor there), and electrons don't interact via the Strong Force, so why shouldn't there be particles that interact with neither, like the neutrinos? Saying that interacting with light is "normal" is purely human bias, because we rely so much on sight. Having lots of DM in the Universe is in no way "weird"; it just means that the Universe doesn't revolve around what humanity finds convenient!Why are we confident that DM exists?This is by no means a complete list, but it should give a sense of the kinds of evidence we have. Each of these would take at least a chapter of a book to explain properly, but hopefully this will give the general idea.Galactic rotation curves.When one object orbits another, the orbiting object has to be constantly accelerating towards the central object (or, more precisely, they both accelerate towards their combined center of mass). Without that acceleration, the orbiting body would just fly off. The faster the orbiting body is moving, the more acceleration is needed to keep it in its orbit. Since in this case the acceleration is due to gravity, this means that the central mass has to be bigger. For a circular orbit of a small object [math]m[/math] at distance [math]r[/math] and velocity [math]v[/math] around a large (and assumed stationary) object [math]M[/math], the acceleration requirement gives[math]\frac{v^2}{r} = \frac{GM}{r^2}[/math]which in turn gives us the relation[math]v = \sqrt{\frac{GM}{r}}[/math].(I'm doing this with Newtonian gravity for simplicity; to do it with full rigor would require General Relativity. In this situation, the Newtonian approximation is actually generally pretty good.)For a more complicated object than just two point particles, as long as there's enough symmetry, the gravitational version of Gauss's law says that the relevant [math]M[/math] is the total mass of everything in the galaxy that's at a distance less than [math]r[/math] from the center. [Edited to note: For this to be exactly right, the matter distribution would have to be spherically symmetric, which galaxies aren't. As a result, actual calculations are a bit more complicated than shown here.]This allows us to "weigh" different parts of the galaxy, by measuring the relationship between [math]r[/math] and [math]v[/math]. (We can measure the rotational velocities by comparing redshifts on the approaching and receding sides of the galaxy.) This image from Wiki shows the result of this measurement:The "expected from visible disk" line is determined by adding up the masses of all the parts of the galaxy that we can see. (How we measure that mass is a whole different discussion.)Gravitational Lensing.In General Relativity, whenever light passes through a gravitational field, that field bends its path slightly. This acts like a Gravitational lens, and can produce, for example, "Einstein Rings", like this image from Wiki:The "ring" is a distorted image of a single blue galaxy located behind the red galaxy at the center. Light from the blue galaxy goes out in all directions, but is bent by the red galaxy's gravity. This means that the light that starting out on a "direct path" to us never signNowes us, but light that was originally missing us by a specific amount (in any direction) gets bent back towards us, which makes it look like it's coming from a bunch of different directions, resulting in the ring image seen here.This is a highly dramatic example of gravitational lensing, but there are much more subtle effects that can still be useful. In Weak gravitational lensing, statistical analysis of distortions in the light we receive allows us to "map out" the gravitational field between us and distant galaxies. Often, this just shows more mass than we know how to account for, but that could be explained away by just assuming that our understanding of gravity is off. There's something else, however, that's a lot harder to explain away in that manner: the Bullet Cluster.(Image from A Matter of Fact on nasa.gov)What's going on here? Well, two galaxy clusters collided with each other, and this is the aftermath. The red coloring represents where the visible matter is, while the blue coloring represents where the dark matter is, as inferred by gravitational lensing. Why are they separated so much? Well, most of the luminous matter in a galaxy cluster is in the Intracluster medium, a hot, dense, plasma. When these plasmas collide with each other, a signNow amount of the matter slows down. However, since Dark Matter interacts only very weakly, the DM components of the two clusters were free to pass through each other unimpeded, resulting in a separation (as seen here). Not only is there "not enough" luminous matter... it's in the wrong place! A small number of scientists remain committed to finding ways to explain this without DM, and they have had partial success, but only by including as-of-yet-unmeasured things that are far stranger than DM (for example, a rank-3 tensor field, which, while possible, would be the first tensor field of such a high rank ever found).Effect on the Cosmic Microwave Background.For the first few hundred thousand years after the Big Bang, The Universe was hot enough that it was highly ionized, which made it more or less opaque to light; photons were pinballing around just like any other particle. However, once things cooled down enough, signNow amounts of the protons and electrons combined into neutral Hydrogen, which is (more or less) transparent to most of the light that was around at the time. This happened fairly quickly (in terms of cosmological time), and so it was as if all of the light pinballing around all over the Universe were suddenly released all at once, effectively capturing a snapshot of the Universe at that moment in its evolution. Since this light was released everywhere in the Universe, we can point our radio telescopes in any direction we like, and there it is: the Cosmic microwave background (CMB). It's almost the same temperature in every direction, but there are small differences (generally around one part in [math]10^5[/math]), and we have measured these tiny variations with extraordinary accuracy: first via the COBE satellite, which was then replaced by the more advanced WMAP, which was then replaced by the more advanced Planck (spacecraft), which is currently in operation.These tiny variations can tell us a lot about the early universe. For example, statistical analyses of these variations show the distinct signature of pressure waves propagating through that early plasma, and the nature of these Baryon acoustic oscillations can tell us a lot about what kinds of things were around. Specifically, the protons and electrons would be dragged along by the (dominant) photons, becoming part of the wave, but Dark Matter wouldn't, and would only be indirectly affected by the resulting small changes in gravity. The presence and abundance of Dark Matter therefore affects how these waves impact the temperature variations in the CMB.The formation of large-scale structure.The standard story given in popular science explanations goes like this: the Universe started out hot and dense and more or less uniform, then it expanded and cooled and clumped into stars and galaxies. However, this story is incomplete, in a way that means that galaxies wouldn't exist without dark matter.At a surface level, the story makes sense; heck, I got almost half-way through a Ph.D. in Physics without noticing any problem with it! It sounds so plausible because of how gravity works: if matter is distributed more or less evenly, but some places are a tiny bit more dense than others, gravity will tend to make those overdensities bigger and bigger. Why? Well, even if a region is just a little denser than its neighbors, it's still going to win the gravitational tug-of-war and gradually accumulate more and more mass. Of course, once it has more mass, it wins the tug-of-war by even more, and so it's a run-away process that ends in big gravitationally-bound clumps.So, what's the problem? Well, consider the air in the room with you right now. Are there tiny density variations? Of course, since perfect uniformity is impossible. But, is it forming into exponentially denser clumps? Certainly not! The reason for this is that, under these kinds of conditions, when the density of a gas goes up, so does its pressure. That pressure makes the over-dense region expand outwards again, returning the density back to average!Now, of course, the scales and temperatures involved are totally different. A huge region of gas will have more gravitational attraction than a tiny pocket of denser air in your room, and gas in space has no need to be at room temperature, either. So, if the gas can cool down enough, that can reduce the pressure enough for gravity to win. But, the more it compresses, the more it heats up, because it's converting gravitational energy into thermal energy, and so the pressure goes up again. This means that forming a galaxy is a very gradual process, during which it has to constantly be getting rid of tremendous amounts of energy. If it were just a cloud of gas, without any outside interference, this process wouldn't be nearly fast enough, and we wouldn't have galaxies today.But, as you know, hot things give off heat much faster than cold things. So, if we want galaxies to form by the present day (or, indeed, before the expansion of space makes matter too dilute to form galaxies at all), something has to be forcing the gas to compress and become denser and hotter than it would be able to under its own gravity. Enter: Dark Matter. Because it interacts only weakly, Dark Matter doesn't have pressure like gas does. So, the argument about the run-away gravitational process actually works for Dark Matter. DM can't get rid of energy very easily, and so conservation of energy and angular momentum mean that it can only collapse to about 200 times the background density, but the resulting Dark matter halo provides enough of a gravity well to "seed" the formation of visible galaxies. So, it's not a coincidence that the galactic rotational curves showed large amounts of dark matter... the galaxies wouldn't have formed there without it!As a result of this DM "seeding" process, theoretical models and computer simulations of the formation of DM structures have been fairly successful in describing the statistical properties of how galaxies are distributed now, as well as how they were distributed earlier in the history of the Universe (which we can measure by looking at very distant galaxies).Okay, so that's why we think Dark Matter exists. But, the next obvious question is... well... what is it? What's it actually made of? What are its properties? Here, we have only very partial knowledge, and multiple different theories, any combination of which could be correct (or, perhaps, none of them). This leads us to:What do we know about the properties of Dark Matter?Again, this is in no way exhaustive, but it should give you a decent idea.It's "cold".This is why the current dominant model of cosmology is called the Lambda-CDM model: "Lambda" ([math]\Lambda[/math]) stands for the Cosmological constant, and "CDM" stands for "Cold Dark Matter".When an astrophysicist describes something as "cold", they generally mean that the associated thermal velocity is much less than the speed of light. By this standard, the air in Death Valley is "cold". But, then again, to cosmologists, galaxies are basically point-particles, so everything's a matter of scale and perspective!So, why does DM need to be "cold"? Well, remember that DM clumping together was integral to the formation of structures like galaxies. However, if DM were very hot (and therefore the particles were moving very fast), this would prevent it from clumping properly. I have explained it in very vague terms, but the effects are actually well-understood mathematically. In fact, it's similar to something that does happen, with photons: Diffusion damping (or "Silk damping"). However, in the case of Dark Matter, the result would be a signNow delay (or even outright prevention) of the formation of galaxies, to the extent that "warm" Dark Matter can be observationally ruled out.Incidentally, this is how we know that it's not all just neutrinos: given what we know about the early Universe, they would be far too hot!It interacts only very weakly.This is somewhat part of the definition of Dark Matter, but it's good to see observational confirmation. I know fewer of the details on this, but I do know that there are observational bounds in the "interaction cross-section" of Dark Matter, both in terms of its interactions with luminous matter and for its theorized self-annihilation processes (in which two DM particles could interact and annihilate each other). Also, as discussed before, the Bullet Cluster shows giant dark matter halos more or less just passing through each other, which suggests very weak interactions.So... given those properties,What might Dark Matter be made of?There are two leading theories (as far as I'm aware) that suggest the existence of specific types of new particles. Both are well-motivated theoretically (as in, we have good reasons for suspecting that particles with those particular properties might exist), but neither has been experimentally confirmed yet. Interestingly, the two predicted particles are totally different from one another, not slight variations on the same theme.At the end of the day, either of these theories could be right, or both (given the existence of neutrinos, there's no need for all the rest of the DM to be a single type of particle), or, of course, neither.So, what are the theories?Axions.I feel morally obliged to put this one first, even though the other one is more popular at the moment, because my university is heavily involved in the Axion Dark Matter Experiment (ADMX), and so of course I'm rooting for my colleagues!The existence of Axions has been theorized since the 1970s, but we only recently have the technology to even properly start to try to measure them in the lab. Axions are extremely tiny particles (unlike WIMPs, the other leading option), and so they would have to exist in truly huge quantities. Still, because they interact so weakly, it's hard to detect them, even with billions of them passing through your detector in a tiny fraction of a second. The linked wiki articles do a better job of explaining the theoretical motivation and experimental search than I could. It's really quite elegant, and would solve a lot of outstanding mysteries in particle physics (like the Strong CP Problem), but I can't do it justice.Weakly Interacting Massive Particles (WIMPs)(Wiki reference: Weakly interacting massive particles)To explain why WIMPs are theoretically attractive, I have to take a little detour into "relic abundance", i.e., how many particles of a given type were left over after the Universe cooled down and generally became a more stable place.In the early universe, everything was very dense, and many different kinds of particles were "tightly coupled" (i.e., they interacted with each other frequently). However, as the universe got larger and cooler, these interaction rates slowed down, more or less to a stop, a phenomenon known as "freezing out". The time at which something "freezes out" depends on a number of things, including its mass and how strongly it interacts with other things. This "freezing out" has a huge effect on the abundances of various particles in the Universe. For example, consider the process[math]n \Leftrightarrow p + e^- + \overline{\nu_e}[/math],in which a neutron can turn into a proton, electron, and electron anti-neutrino (or vice versa). If you go back far enough, this reaction will be in thermodynamic equilibrium, just like with any chemical reaction that can go either direction. However, once the neutrinos "freeze out", equilibrium can't be maintained anymore (although other processes, like beta decay, can still happen). The relative abundance of protons and neutrons at the moment of freeze-out is determined by two factors: the mass difference [math]\Delta m[/math] between the two particles, and the temperature of the Universe when freeze-out occurred. These factors combine to determine by how much the lighter particle is thermodynamically favored, with an exponential dependence:[math] \frac{N_n}{N_p} \propto e^{-\Delta m c^2 / k T}[/math]where [math]k[/math] is Boltzmann's constant.This clearly impacts the "relic abundance" of the particles involved (here, protons and neutrons). So, in general, the abundance of a given particle in the Universe today is signNowly influenced by the mass of that particle and how strongly it interacts (since that affects freeze-out time and thus freeze-out temperature). This brings us to the so-called "WIMP miracle": a particle that interacts predominantly via the Weak Nuclear Force, and that has a mass near the mass scale associated with Weak interactions ([math]\sim 100 \text{ GeV}/c^2[/math]), would have a relic abundance that would match the measured abundance of Dark Matter in the Universe. Given that such a particle was already speculated to exist (in the context of Supersymmetry), this was very theoretically attractive to a lot of people, although our inability to find it so far has damped some of their spirits.So, there you have it: my summary of Dark Matter. Hope it was worth the time it took to read! (Let alone write...)
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Is it possible that sometime in the future, all money in all countries become one electronic currency like Bitcoin for all world
New technologies—supported by advances in encryption and network computing—are driving transformational change in the global economy, including in how goods, services and assets are exchanged. An important development in this process has been the emergence of virtual currencies (VCs). VC schemes are private sector systems that, in many cases, facilitate peer-to-peer exchange bypassing traditional central clearinghouses.VCs and their associated technologies (notably distributed ledgers based on blockchains) are rapidly evolving, and the future landscape is difficult to predict. VCs offer many potential benefits, including greater speed and efficiency in making payments and transfers—particularly across borders––and ultimately promoting financial inclusion. The distributed ledger technology underlying some VC schemes—an innovative decentralized means of keeping track of transactions in a large network––offers potential benefits that go far beyond VCs themselves. At the same time, VCs pose considerable risks as potential vehicles for money laundering, terrorist financing, tax evasion and fraud. While risks to the conduct of monetary policy seem less likely to arise at this stage given the very small scale of VCs, risks to financial stability may eventually emerge as the new technologies become more widely used.A lot of people do not know there are so many ways to earn cryptocurrencies by investing legitimately in platforms like www.coastminers.tech where they can get double of their investment in 7 days without losing them(thank me later).The development of effective regulatory responses to VCs is still at an early stage. VCs are difficult to regulate as they cut across the responsibilities of different agencies at the national level, and operate on a global scale. Many are opaque and operate outside of the conventional financial system, making it difficult to monitor their operations. Regulators have begun to address these challenges, with a variety of approaches across countries. Responses have included clarifying the applicability of existing legislation to VCs, issuing warnings to consumers, imposing licensing requirements on certain VC market participants, prohibiting financial institutions from dealing in VCs, completely banning the use of VCs, and prosecuting violators.These approaches represent an initial policy response to the challenges that VCs pose, but further development is needed. In particular, national authorities will need to calibrate regulation in a manner that appropriately addresses the risks without stifling innovation. More could be done at the international level to facilitate the process of developing and refining policies at the national level. International bodies are playing an important role in identifying and discussing the risks posed by VCs and possible regulatory responses, and they should continue to do so. As experience is gained, international standards and best practices could be considered to provide guidance on the most appropriate regulatory responses in different fields, thereby promoting harmonization across jurisdictions. Such standards could also set out frameworks for cross-country cooperation and coordination in areas such as information sharing and the investigation and prosecution of cross-border offenses.VIRTUAL CURRENCIES AND BEYOND 6 INTERNATIONAL MONETARY FUND INTRODUCTION A. Overview 1. New technologies are driving transformational changes in the global economy, including in how goods, services, and assets are exchanged. The development of monies and a variety of payments systems throughout history have helped make exchange more efficient and secure. The rapid spread of Internet-based commerce and mobile technology––supported by advances in encryption and network computing––has driven the development of several innovative technologies. Companies such as Uber and Airbnb have developed radical new business models. Secure online payments systems (for example, PayPal) and mobile payments and transfer solutions (for example, M-Pesa) are changing the ways in which payments for goods and services are made. 2. An important development in this process of transformation has been the emergence of virtual currencies (VCs). VCs, in principle, question the paradigm of state-supported fiat currencies and the dominant role that central banks and conventional financial institutions have played in the operation of the financial system.VCs are issued without the involvement or backing of a state. Some VC schemes make use of “distributed ledger” technologies that provide complete and secure transaction records without using a central registry. These technologies therefore allow for direct peer-to-peer transactions and eliminate the need for central clearinghouses. It is therefore not surprising that private sector interest in these new technologies has been growing, and that attention from regulators and policymakers has not been far behind. 3. VCs and their underlying distributed ledger technologies have the potential to generate benefits. VC schemes and distributed ledger technologies can strengthen financial efficiency by facilitating peer-to-peer exchange while reducing transaction times and costs, especially across borders.In the longer term, these technologies have the potential to deepen financial inclusion by offering secure and lower-cost payments options. Beyond payments systems, distributed ledger technologies have implications for a wide range of markets and financial market infrastructures as a fast, accurate and secure record keeping system, including for stock exchanges, central securities depositories, securities settlement systems or trade repositories. Technological and regulatory progress will be needed to realize these potential benefits. 4. However, these technologies also pose risks. VCs can be misused as vehicles for money laundering, terrorist financing, and tax evasion, and other forms of illicit activity. While risks to the conduct of monetary policy seem less likely to arise, risks to financial stability may eventually emerge as the new technologies come into more wide-spread use.Although the growing use of distributed ledger technologies outside of the context of VCs pose far fewer risks, it may over time pose a serious challenge to parts of the business model of the established financial system. VCs and distributed ledger technologies will thus continue to attract the attention of policymakers and regulators at both the national and international levels. VIRTUAL CURRENCIES AND BEYOND INTERNATIONAL MONETARY FUND 7 5. Any policy response to VCs will need to strike an appropriate balance between forcefully addressing risks and abuses while avoiding overregulation that could stifle innovation. The initial focus should be on the most pressing concerns related to VCs—including financial integrity, consumer/investor protection, and tax evasion—while leaving less immediate risks (for example, financial stability, monetary policy) to a later stage.VCs combine many different properties of electronic payment systems, currencies, and commodities that span the responsibilities of several types of regulators at the national level. VCs operate in a virtual world that signNowes across borders, increasing potential risks and creating opportunities for regulatory arbitrage. Effective policy coordination will therefore be required at the national and international levels. 6. This paper discusses the potential benefits and risks posed by VCs and how financial regulators could approach them. The paper begins by explaining what VCs are, and how they work. It then examines key features and related developments in distributed ledger technologies underlying decentralized VCs, along with their potential use for financial development and financial inclusion. The paper subsequently discusses the policy and regulatory implications of VCs generally and concludes with a brief discussion of areas for future analysis.7. As a starting point, it is important to note that the VC landscape is still new and rapidly changing. It is therefore not possible to fully predict the future direction and importance of these evolving technologies or to identify specific longer-term policy responses. The paper is therefore intended as a first step and a platform for further research and analysis. Many of the questions it raises are left for future discussion. B. What are Virtual Currencies? 8. VCs are digital representations of value, issued by private developers and denominated in their own unit of account.2 VCs can be obtained, stored, accessed, and transacted electronically, and can be used for a variety of purposes, as long as the transacting parties agree to use them. The concept of VCs covers a wider array of “currencies,” ranging from simple IOUs of issuers (such as Internet or mobile coupons and airline miles), VCs backed by assets such as gold,3 and “cryptocurrencies” such as Bitcoin.9. As digital representations of value, VCs fall within the broader category of digital currencies (Figure 1). However, they differ from other digital currencies, such as e-money, which is a digital payment mechanism for (and denominated in) fiat currency. VCs, on the other hand, are not denominated in fiat currency and have their own unit of account. 2 Given the fast evolving nature of the industry, a universal definition has yet to emerge and could quickly change as the VC ecosystem continues to transform. 3 This type of VCs is backed by the combination of existing tangible assets or national currencies and the creditworthiness of the issuer. VIRTUAL CURRENCIES AND BEYOND 8 INTERNATIONAL MONETARY FUND Figure 1. Taxonomy of Virtual Currencies10. VC schemes comprise two key elements: (i) the digital representation of value or “currency” that can be transferred between parties; and (ii) the underlying payment and settlement mechanisms, including the distributed ledger system (see the section on distributed ledgers and Box 2).11. VC schemes have different levels of convertibility to real-world goods, services, national currencies, or other VCs. Non-convertible VCs (or closed schemes) operate exclusively within a self-contained virtual environment. Under these systems, the exchange of VCs with fiat currency (or other VCs) or its use in payments for goods and services outside of the virtual domain is signNowly restricted. In contrast, convertible VCs (or open schemes) allow for the exchange of the VC with fiat currency (or other VCs) and for payments for goods and services in the real economy.4 The level of contact between convertible VCs and the real economy is much greater than is the case in closed schemes.512. VC schemes can operate through a centralized, decentralized, or hybrid model. The operation of VC schemes includes three components: (i) the issuance and redeemability of the VC; (ii) mechanisms to implement and enforce internal rules on the use and circulation of the currency; and (iii) the payment and settlement process. Each area of operation may be managed by a trusted central (and private) party or in a decentralized manner among participants. Hybrid schemes also 4 An additional distinction is sometimes made between unidirectional flow and bidirectional flow of convertibility, with the former referring to VCs that can be obtained in exchange for fiat currency (or other VCs), but cannot be converted back to fiat currency (or other VCs)—the flow of convertibility being unidirectional (for example, Nintendo Points, some frequent-flyer programs air miles)—and the latter—where the flow of convertibility is bidirectional (for example, Bitcoin, Linden Dollar). See ECB (2012). 5 It should be noted that convertible VCs may be subject to illiquid markets, limiting their de facto convertibility. (continued) VIRTUAL CURRENCIES AND BEYOND INTERNATIONAL MONETARY FUND 9 exist, where some functions are performed by a central authority, while others are distributed among market participants.613. Decentralized VC schemes use techniques from cryptography for their operations— hence the “cryptocurrency” moniker: In decentralized systems, there is no central party (for example, a central bank) administering the system or issuing VCs. Rather, the central party is replaced by a framework of internal protocols that govern the operation of the system and allow the verification of transactions to be performed by the system participants themselves. As payments and transactions are made through the system, these participants (often referred to as “miners”) are rewarded in newly minted “currency” for performing the payment processing function (referred to as “mining”). This approach serves two purposes: it introduces newly minted VCs into the system and enables the decentralized operation of the VC scheme. In contrast to fiat currency, a cryptocurrency does not represent a liability on anyone. These systems may allow for the issuance of a limited or unlimited number of currency units. Under most such systems (including Bitcoin), there is currently a limit on the number of currency units that may ultimately be issued. However, new systems are emerging that do not include such limits. Most cryptocurrencies are “pseudo-anonymous”—while cryptocurrency transactions are publicly recorded, users are known only by their VC “addresses,” which cannot be traced back to users’ real-world identity. As such, cryptocurrency transactions are more transparent than cash but more anonymous than other forms of online payment. Cryptocurrencies challenge the standard concept of fiat currencies. The value of existing fiat currencies is backed by the creditworthiness of the central bank and the government. Centrally issued VCs rely on the backing of the private issuer’s credibility while the value of privately issued currencies (see Box 1 and the next section) have historically been supported by the private issuer’s credibility and commodity reserves. In contrast, the value of cryptocurrencies does not have any backing from any source. They derive value solely from the expectation that others would also value and use them. 14. VCs can be obtained in a variety of ways. Convertible VCs can typically be purchased or exchanged with fiat currency or other VCs, through a VC exchange, through a trade platform,7 or directly with another VC holder. They can also be obtained in payment for goods or services.As noted above, decentralized VCs can be obtained by participating in the transaction validation 6 For example, Ripple. 7 Trade platforms provide a forum where buyers and sellers can offer and bid for VCs (akin to a market place). (continued) VIRTUAL CURRENCIES AND BEYOND 10 INTERNATIONAL MONETARY FUND process (for example, “mining”). VCs are typically stored in a “VC wallet,” either directly through a VC wallet software application or through an intermediary—a VC wallet service provider.8 15. Ancillary service providers have entered the market. Payment facilitators operate as intermediaries between consumers and merchants/retailers, converting VC payments into fiat currency and bearing the exchange rate risk of the transaction. In the case of cryptocurrencies, some service providers offer additional anonymizing services that further obfuscate the traceability of transactions.ARE VIRTUAL CURRENCIES MONEY? 16. Several questions arise when considering the role of VCs as money. 9 Do they satisfy the legal definition of money and fulfill all the economic roles of money (store of value, medium of exchange, and unit of account)? How do they compare to other privately-issued monies that existed historically? If they become more widely used, could (or should) these privately-issued currencies substitute for national currencies? 8 VC wallets are used by VC holders to hold and transact in VCs. Cryptocurrencies are stored in digital wallet software associated with cryptographic keys: (i) “public keys,” which are used to encrypt data and function akin to an account number; and (ii) “private keys”, which are needed for decryption and which function akin to a password to access the cryptocurrencies or a signature to authenticate transactions.Where no intermediary is involved (for example, VC wallet service provider), the loss of a private key will in effect result in the loss of the VCs held in the VC wallet, as the owner of the wallet cannot access its content. VC wallets can be held online (“hot storage”) or offline (“cold storage”). The latter is considered to afford greater protection against hacking and theft. 9 “Money” could have different meanings depending on the context. VCs are comparable to banknotes, coins, and other liabilities of the issuer—the central bank in a modern monetary system. These are also called high-powered money, central bank liability, base money, or outside money. In contrast, money supply includes base money and liabilities (denominated in the national currency) created by banks and bank-like financial institutions (such as deposits and some money market fund shares—called inside money).Even in a system where the central bank has a monopoly right to issue base money, the bulk of the money supply could be provided in a decentralized manner by multiple financial institutions. These financial institutions could be regulated or unregulated (such as shadow banks and as in the “free banking” regime (Gorton, 1985). On the other hand, there is currently no known financial institution that provides inside money in VCs, and the VC monetary system consists only of high-powered money.VIRTUAL CURRENCIES AND BEYOND INTERNATIONAL MONETARY FUND 11 A. Perspectives from Theory and History 17. Theory and history offer some guide-posts for considering these questions (Box 1): Theory. High inflation in the 1970s after the end of the Bretton Woods System renewed skepticism in some quarters over granting central banks monopoly power to issue nonconvertible fiat currency.10 Friedman and Schwartz (1986) and Fischer (1986) reject Hayek’s proposal to denationalize money (1976). Other researchers, however, continue to contemplate laissez-faire monetary regimes, and there has also been extensive theoretical work on the feasibility and optimality of privately issued money under monopoly or competition.11 History.VCs are not the first example of currencies privately issued in a decentralized manner. While VCs are of course very different from national currencies, monetary systems and the legal concept of money have evolved substantially over time and will continue to change in the future. VCs should thus not be judged solely based on their current characteristics or on how they compare to current monetary regimes. 18. A detailed comparison of the characteristics of VCs with existing and historical currencies sheds further light on these issues (Table 1). For the sake of specificity, Bitcoin is used as a representative example of a VC and compared to a home currency, a foreign currency, and a commodity asset based on current arrangements.Moreover, for a historical perspective, the table also includes key features of a commodity (gold bullion), a commodity currency (gold/silver coins), and a fiat currency convertible into gold and other commodities (the gold standard). The experiences during the U.S. Greenback era are also included, when the government-issued nonconvertible fiat currency “Greenbacks” and private banks were allowed to issue notes as currency. The monetary policy discussion in the policy challenges section assesses whether VCs could provide desirable monetary systems or not. 10 Convertibility in this section refers to convertibility of fiat currencies to commodity reserves and international reserves, in the context of the gold standard or the Bretton Woods System, in contrast with the convertibility of VCs into national currencies as discussed in the earlier section.11 See, for example, King (1983), White (1984), Taub (1985), Selgin (1988), and Selgin and White (1994). VIRTUAL CURRENCIES AND BEYOND 12 INTERNATIONAL MONETARY FUND Box 1. Public and Private Provision of Money: History and Theory Both history and economic theory broadly seem to support a monetary regime with public provision of currency over a competitive private system. The historical track record of containing inflation is mixed across both private and public systems. However, public systems appear to function better when there is a systemic liquidity shortage at the time of a financial crisis and the need arises for a lender-of-last-resort (LOLR). Resilience against inflation There are examples where currency was provided by multiple private banks without high inflation.In fact, many central banks in major advanced economies were first established as private banks, and their currencies did not have legal tender or monopoly status (Box Table). Also, notes issued by (multiple) national banks during the U.S. Greenback era did not have legal tender status but were traded at par with government issued notes (Calomiris, 1988). Box Table. The Origins of Central Bank Powers Country Date founded Monopoly over note issue Notes made legal tender State ownership France 1800 1848 1878 1945 Germany 1875 1875 1909 1948 Japan 1882 1884 1885 NA Italy 1893 1893 1893 NA United Kingdom (England) 1694 1844 1833 1946 United States 1913 1913 1933 NA Canada 1934 1935 1935 1938 Source: Redish (1993).But systems were needed to curb the tendency to print too much money. During the U.S. Greenback era, when convertibility was temporarily suspended to finance the Civil War, note-issuing private banks were subject to various regulations. Their notes were printed by the government and backed 111 percent by government bonds held on deposit at the Treasury (reserve requirement), making them indirect obligations of the government. The aggregate amount of nationally chartered banks’ notes was capped though the limit was later abolished. Moreover, their value was supported by the expectation to resume convertibility when the war was over (Calomiris, 1988). Without these systems, privately-provided nonconvertible fiat money often ended up being supplied in excess. Redish (1993) shows an example of nonconvertible notes with legal tender status issued by a French private bank in the late 18th century. Privately provided notes in late- 19th century Japan led to inflation when their supply ballooned after banks suspended convertibility to gold.The inflation performance of public moneys has been mixed. Before the collapse of the Bretton Woods System, international monetary regimes were largely anchored by gold and/or pegs to the pound Sterling and U.S. dollar standard (Bordo, 1981, and Redish, 1993) that were successful in anchoring inflation. Excess inflation happened even under commodity currency regimes (coins) for seignorage revenue. Medieval European monarchs—who had a monopoly right to mint coins or charge a fee for running a mint—often debased the currency by raising the unit of account value of a coin at the mint and reducing the precious metal content per coin. In a contemporary context, macro policy mismanagement has often led to high inflation and hyperinflation, as observed in many emerging and developing economies. Among major advanced economies, high inflation occurred in the 1970s following the end of the Bretton Woods System.VIRTUAL CURRENCIES AND BEYOND INTERNATIONAL MONETARY FUND 13 These experiences underpinned substantial discussions on tying central banks’ hands again by returning to a rules-based framework including the gold standard (Friedman and Schwartz, 1986). Lender-of-last-resort Theory suggests that the private provision of money is not optimal when an economy may face system-wide liquidity shortages. The efficiency of competitive market equilibrium has been a key rationale cited by supporters of private provision of money (White, 1984, and Selgin, 1988). However, competitive equilibrium may not be optimal when the market is incomplete, or there is asymmetric information that could cause moral hazard (Mas-Colell, Winston, and Green, 1995). Such imperfections are typical in financial markets. Markets are also incomplete in the sense that not every risk is insurable among individuals, and everyone in the system could be hit by a large, negative, systemic shock. Many researchers have thus argued that public provision of money could improve economic welfare.Weiss (1980) shows the welfare-improving role of central bank money and active monetary policy as these facilitate inter-temporal smoothing in an overlapping generations framework. Diamond and Dybvig (1983) and Bryant (1980) show the effectiveness of public liquidity and deposit insurance in managing bank runs. Private provision of liquidity becomes insufficient and leads to a crisis without public outside money if a systemic shock hits the system, and contagion risks are imminent (Allen and Gale, 2000, Freixas, Parigi, Rochet, 2000, Holmstrom and Tirole, 1998, Tirole, 2008).1 History also seems to suggest that central banks in major economies often emerged in response to the need for a creditworthy institution to be the LOLR and manage bank runs (Goodhart, 1988, Redish, 1993, Gorton and Huang, 2006).In early history, large private banks acted as LOLR, but the need to handle bank runs more systematically eventually made them central banks or led to the establishment of new central banks. In the U.S., J.P Morgan pledged large sums of his own money and convinced other New York bankers to do the same to shore up the banking system in the 1907 financial crisis. The experience eventually led to the establishment of the Federal Reserve Board in 1913. As of late 18th century, the Bank of England (BOE) was a private bank, serving as the government’s banker. The BOE notes gained legal tender status and monopoly issuance power, as the bank had strong credibility to be able to provide liquidity for other banks in distress. Similar development is also observed with other major central banks (Box Table).The global financial crisis provided a further reminder of the need for a credible LOLR. ___________________ 1/ The welfare implication may become less clear when the moral hazard costs from LOLR are incorporated in the analyses. VIRTUAL CURRENCIES AND BEYOND 14 INTERNATIONAL MONETARY FUND Table 1. Characteristics of Currencies: A Comparison Feature Bitcoin USD (home currency) Euro (foreign currency) Commodity (bullion) Commodity currency (coin) Gold standard U.S. Greenback Era (1861–78) Economic demand factors Intrinsic value None None None Yes Yes None None Claim to issuers? No Yes Yes No No Yes Yes Legal tender No Yes No (in the U.S.) na na Mixed Yes (no) to public note (private) Used as a medium of exchange Small, but rising especially in online retail Yes Limited (in the U.S.) possibly more for cross-border trade Yes Yes Yes Yes Used as unit of account No Yes No (in the U.S.) Yes Yes Yes Yes (all notes shared “dollar” unit) Used as store of value Yes, subject to very high exchange rate risk and sudden confidence shock Yes, subject to inflation risk Yes, subject to foreign exchange risk Yes, subject to commodity price risk/cycle.Yes, subject to dilution of quality (inflation/devaluati on) Yes, subject to devaluation risk Yes, subject to inflation risk Supply structures Monopoly/decentr alized Decentralized Monopoly Monopoly Decentralized Mixed Mixed Decentralized Supply source Private Public Foreign public Private/public mining Mixed Mixed Public and private Supply quantity Inflexible Flexible Flexible Inflexible Inflexible Inflexible Flexible Supply rule Computer program Rule-based (inflation target) Rule-based (inflation target) Opportunity cost for mining Tied to commodity in bullion Tied to commodity by reserve ratio Private note subject to reserve requirement.Supply rule change (by issuers) possible? Yes with agreement of majority miners Yes Yes No Quality of minted coins can be diluted. Reserve ratio can be changed and economized No for private banks. Cost of production High (electricity consumption for computation) Low Low Very high (mining) Medium Low Low VIRTUAL CURRENCIES AND BEYOND INTERNATIONAL MONETARY FUND 15 Table 1. Characteristics of Currencies: A Comparison, cntd. Feature Bitcoin USD (home currency) Euro (foreign currency) Commodity (bullion) Commodity currency (coin) Gold standard US Greenback Era (1861-78) Macro-financial stability risks Risk of hyperinflation due to over-supply? No for individual VCs Possible (with policy mismanagement) ... Limited Possible (by diluting coin quality) Possible (by ending convertibility) Possible (if losing credibility to resume convertibility) Risk of long-term hyperdeflation High Low … High High High Low Base money quantity changes to temporary shocks? No (limited even with rule changes) Yes No (to US money demand shocks) No No Somewhat (by changing reserve ratio subject to total holding of gold) Yes Can the issuer be lender of last resort with outside money?
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Will humans achieve interstellar travel?
The laws of physics and the distances involved make interstellar travel extremely difficult.Distance: The closest star to the earth is 4.3 light years away, the galaxy is 100,000 ly across, the next big galaxy, the Large Magellanic Cloud, is like 200,000 ly away. Travelling at 0.2 c it will take a million years to get to the next galaxy. Any takers? Then there’s the return trip!Acceleration: Of course you can’t get to your cruise speed instantly, it takes time. Humans are optimised for an acceleration of 1 g, ie 10 m/s/s. At this acceleration it takes a year to get close to the speed of light. This adds to the travel time but is not too serious compared to other problems.Speed kills: Travel near the speed of light is fraught. Hitting a regular photon would be like hitting a high energy gamma ray. A lot of shielding is going to be required for any human occupants. Hitting a space pebble could catastrophically terminate the mission. From the safety aspect is is likely that speeds like 0.2 c are the maximum. At this speed relativistic effects like time dilation are minor.Energy: To signNow a near light speed the entire mass of a self propelling spaceship would be required for fuel. This would involve converting the ship’s mass to light and using this for propulsion. This requires technology we don’t yet have but is possible in theory. Obviously if you are aiming for 0.2c the fuel requirement is less.Survival in transit: Obviously you’d need a self sustaining system. There is not even solar energy in deep space. You can’t nick down to the local DIY for a replacement gamma ray shield if yours fails or fall off.Stopping: It’s all very well to signNow a distant star but you presumably want to stop and have a look around when you get there rather than just shooting past. This requires deceleration, or acceleration in the opposite direction. Again, this requires more fuel and time. You might spend a year slowing down.Colonisation equipment: Not sure what the exact plan would be but I expect you would need to take sufficient equipment with you to start mining an asteroid to get things going at the far end. More baggage. It would be embarrassing if you had chosen a star that was unsuitable for colonisation for some reason.Economics: I think you could find some people who were willing to undertake the journey but it might be a lot more difficult to get someone to pay for it. Governments find it difficult to pay for anything substantial these days - except wars - and it’s a bit hard to see why a private organisation would pay for it, cost: humungous, expected return: zero.One way trip: This would be a spreading of our influence not a commute system. There would be no point in returning.What about wormholes, exceeding the speed of light, blah, blah, blah? These are fantasies in physics words, not real demonstrated physics. I’m talking about known physics not imaginary musings. Science and technology are going to advance but there is no good reason to believe that fundamentals like the speed of light will be broken, ever.=-=-=-=Of course, this discussion assumes that humans will be around more-or-less as they have been indefinitely. This is surely wrong. We are on the cusp of both remodelling of our biology at will and the creation of truly intelligent machines. It would be much easier to send a small intelligent machine to a distant star. Travel time is basically irrelevant if you can simply switch off for thousand years, and the requirements for the ship change drastically. If you really wanted humans at the other end, you could send the DNA code on a memory chip. It would be much more efficient for robotics systems to generate some humans in test tubes at the far end that to actually carry them as a payload, but “humans” like us will be history by then anyway.This is how I imagine stellar colonisation will occur. You won’t get the “One small step…” video voiced by a human. However, there’s still a big question. Would our post-human descendants be interested in travel to other stars? We really have no way of knowing what they would want.
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How much more can the quality of photographs improve?
Dave Haynie has a top notch explanation of the evolution of digital camera technologies. In this case I feel there is an additional factor beyond the technologies involved.The issue with “old” photos frequently isn't their “quality;” It was their format. There were and are lots of older high quality cameras that a “semi-pro” photographer could use to take absolutely stunning photos on 35mm film. The problem with those “old” photos is that most people don't have the equipment and skills required to take that analog image and make it into a high quality digital image that is compatible with the modern world.There are additional problems, when dealing with even older analog black and white photos. In these cases the legacy format is now missing key information from the scene. That's not to say there aren't some wonderful black and white photos, but they are missing information from the original scene that was photographed whether having that information would have been beneficial or not.More than the underlying technologies used, these legacy format issues often make “old” photos look or seem “poor quality.”I think in the next ~50 years we may see another massive format revolution in one or more areas.360/Sphere Images/Videos: There are a handful of devices capable of taking these images on the market now. Facebook, Instagram and a few other platforms are already compatible with some of these new formats.3D Images/Video: These cameras have existed for quite a while, but the lack of an easy way to view 3D images has ensured they stayed niche devices. The growing use and availability of VR headsets may finally make this concept more accessible. In addition, the newest generation of high end cellphones often include dual cameras. So theoretically, it may be possible for this image format to very quickly become very common.Multi-Focal Images: There were a few highly anticipated products that never really broke into the mainstream with this feature. Fundamentally, these would be “images” created using a device that captures all the available light information. So image settings like the focus, depth, exposure, etc can be changed after the photo is taken.I can just hear some kid 20–30 year from now looking at a digital photo and asking “where's the rest of it?” or “why does it look so old and low quality in my 3D/VR/holodeck/[insert crazy new tech here]?”
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What is a comprehensive list of fast web tools to get your startup online?
There’s a big list of free start-up resources organized by Ali Mese that got super popular on Product Hunt. Surprised it’s not listed here already.Keep in mind, all these tools are all free to use. There are other resources like Crew to get quick, reliably well-done dev/design work done, but if you’re on a shoestring budget, these bad boys are your new best friends:BusinessFREE WEBSITEHTML5 UP: Responsive HTML5 and CSS3 site templates.Bootswatch: Free themes for Bootstrap.Templated: A collection of 845 free CSS & HTML5 site templates.WordPress.org | WordPress.com: Create your new website for free.Strikingly: Free, unlimited mobile optimized websites for strikingly domains.Layers: A WordPress site builder so simple. 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Use them however you want.FREE TYPOGRAPHYTypeGenius: Find the perfect font combo for your next project.Font Squirrel: 100% free commercial fonts.FontFaceNinja: Browser extension to find the web fonts a site uses.Google Fonts: Free, open-source fonts optimized for the web.Beautiful Web Type: Best typefaces from the Google web fonts directory.DaFont: Archive of freely downloadable fonts.1001 Free Fonts: A huge selection of free fonts.FontPark: The web’s largest archive of free fonts.Font-to-width: Fit pieces of text snugly within their containers.signNow Edge Fonts: The free, easy way to get started with web fonts.Typekit: A limited collection of fonts to use on a website or in applications.FREE ICONSFontello: Icon fonts generator.Flat Icon: A search engine for 16000+ glyph vector icons.Material Design Icons: 750 Free open-source glyphs by Google.Font Awesome: The iconic font and CSS toolkit.Glyphsearch: Search for icons from other icon databases.MakeAppIcon: Generate App Icons of all sizes with a click.Endless Icons: Free flat icons and creative stuff.Ico Moon: 4000+ free vector icons, icon generator.The Noun Project: Thousands of glyph icons from different artists.Perfect Icons: A social icon creation tool.Icon Finder: Free icon section of the website.Free Round Icons: Doodle Set | Flat Set | Vector Line SetIcon Sweets: 60 free vector Photoshop icons.Make Appicon: Generate App Icons of ALL sizes with a click.App Icon Template: Royalty free app icon creator for iOS, OS X and Android.SmartIcons: Download 1450 premium icons for free.Ego Icons: 100 Free vector icons with a clean look and feel.FlatIcons: Free flat icon customizer, royalty free.To(icon): Free icons.FREE USEFUL STUFFUI Names: Generate random names for use in designs and mockups.UI Faces: Find and generate sample avatars for user interfaces.Copy Paste Character: Click to copy.Window Resizer: See how it looks on various screen resolutions.Sonics: Free packs of UI sounds and sound effects delivered to your inbox every month.FREE DEVELOP / CODE THINGSHive: First free unlimited cloud service in the world.GitHub: Build software better, together.BitBucket: Git and Mercurial code management for teamsChisel: Chisel offers an unlimited number of fossil repositories.Visual Studio: Comprehensive collection of developer tools and services.Landscape: Landscape is an early warning system for your Python codebase.Swiftype: Add great search to any website. Free with limitations.Keen.io: Gather all the data you want & start getting the answers you need.Coveralls: Test coverage history and statistics.LingoHub: Free for Small Teams, Open Source usage and Educational projects.Codacy: Continuous Static Analysis designed to complement your unit tests.Searchcode: Search over 20 billion lines of code.TinyCert: Free SSL certificates for your startup.StartSSL: Free SSL certificates.Opbeat: The first ops platform for developers. Free for small teams.Pingdom: Website monitoring. Free for one website.Rollbar: Full-stack error monitoring for all apps in any language.Loggly: Simplify Log Management Forever. Free for one user.Devport: Get your developer portfolio.Getting Real: The smarter way to build web apps. A free book by 37signals.Peek: Get a free, 5-minute video of someone using your site.Creator: Build better Ionic apps, faster.DevFreeCasts: A huge collection of free screencasts for developers.Cody: A free library of HTML, CSS, JS nuggets.ProductivityBACKGROUND SOUND TO FOCUSNoisli: Background noise & color generator.Noizio: Ambient sound equalizer for relax or productivity.Defonic: Combine the sounds of the world into a melody.Designers.mx: Curated playlists by designers, for designers.Coffitivity: Stream the sounds of a coffee shop at work.Octave: A free library of UI sounds, handmade for iOS.Free Sound: Huge database of free audio snippets, samples, + recordings.Sonics: Free packs of UI sounds and sound effects delivered to your inbox every month.Deep Focus: Spotify’s famous playlist to focus.AVOID DISTRACTIONSelf Control: Mac: free application to help you avoid distracting websites.Cold Turkey: Windows: temporarily block yourself off of distracting websites.ORGANIZE & COLLABORATETrello: Keeps track of everything.Evernote: The workspace for your life’s work.Dropbox: Free space up to 2GB.Yanado: Tasks management inside Gmail.Wetransfer: Free transfer up to 2GB.Drp.io: Free, fast, private and easy image and file hosting.Pocket: View later, put it in Pocket.Raindrop: Mac app for bookmarking and reading it later.Flowdock: Free for teams of five and non-profits.Typetalk: Share and discuss ideas with your team through instant messaging.Slack: Free for unlimited users with few limited features.HipChat: Free for unlimited users with few limited features.Google Hangouts: Bring conversations to life with photos, emoji and group video calls.Voveet: Simple, free 3D conference calls. Experience the difference.FreeBusy: Eliminate coordination headaches when you need to schedule a meeting.RealTimeBoard: Your regular whiteboard, re-thought for the best online experience.Witkit: Witkit is the secure platform for teams. 50GB of free encrypted data storage.Any.do: Get things done with your team.Asana: Teamwork without email.GoToMeeting: Online meetings without the hassle.DIGITAL NOMADS & REMOTE WORKINGFounded X Startup Stats: Find the best country to build your startup inTeleport: Startup Cities: Discover and budget your next move to 100+ startup cities.Nomad House: Houses around the world for nomads to live and work together.Workfrom: Coffee, WiFi and good vibes.Lastroom: Simplifying your team travel managementNomadlist: The best cities to live and work remotely.What’s It Like: Helping travelers figure out WHEN to go.Nomad Jobs: The best remote jobs at the best startups.LearnDISCOVER TOOLS & STARTUPSProduct Hunt: Curation of the best new products, every day.Angellist: Where the world meets startups.Beta List: Discover and get early access to tomorrow’s startups.StartupLi.st: Find. Follow. Recommend startups.Startups List: Collections of the best startups in different places.Erli Bird: Where great new products are born.BUILD TOGETHERAssembly: Co-create new ideas no matter where they are.CoFoundersLab: Find a co-founder in any city, any industry.Founder2be: Find a co-founder for your startup.LEARNCoursera: Free online classes from 80+ top universities & organizations.Khan Academy: Free, world-class education for anyone, anywhere.Skillshare: Unlock your creativity with free online classes & projects.Codecademy: Learn to code interactively, for free.How to start a startup: As an Audio Podcast or As Online CourseStartup Notes: Startup School invites amazing founders to tell their story.The How: Learn from entrepreneurs.Make This Year: Guide to help you launch your online business.Closed Club: Browse shut-down start-ups & learn why they closed down.Startup Talks: A curated collection of startup related videos.Rocketship.fm: Learn from successful entrepreneurs each week.reSRC.io: All free programming learning resources.The Lean LaunchPad: How to Build a Startup.TalentBuddy: Learn to code.Mixergy: Learn from proven entrepreneurs.Hackdesign: Receive a design lesson in your inbox each week.NEWSLETTERS THAT DON’T SUCKEmail1K: A free 30 day course to double your email list.Design for Hackers: 12 weeks of design learning, right in your inbox.Startup Digest: Personalized newsletter for all things startup in your area.Mattermark Daily: Curated newsletter from investors & founders.ChargeWhatYou’reWorth: Free course on charging what you’re worth.Product Psychology: Lessons on User Behavior.UX Newsletter: Tales of researching, designing, and building.UX Design Weekly: Best user experience design links every week.USEFULFoundrs: Co-founder equity calculator.HowMuchToMakeAnApp: Calculate the cost of a mobile application.App vs. Website: Should you build an app or website?Pitcherific: Pitcherific helps you create, train, and improve your pitch.Startup Equity Calculator: Figure out how much equity to grant new hires in seconds.Ad Spend Calculator: Should my startup pay to advertise?
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