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The Formula 1 74th World Championship is back this weekend in the form of the Spanish Grand Prix, with Red Bull’s Max Verstappen on pole. The race is being broadcast through ESPN2 here in the United States,

F1 Spanish Grand Prix Live Stream: Watch qualifying for free

https://www.bing.com/th?id=ODF.x644vROjZrRe0pKC7YX3XQ&pid=news

Digital Trends on MSN.com

The Arsenal senior squad are enjoying the break from football with numerous stars heading abroad before work begins for the 2023/24 campaign

https://www.bing.com/th?id=OVFT.cZnN1wTKhIHOqI2pkJlzWS&pid=News

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Arsenal F.C.

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How Arsenal players are spending their holidays as Bukayo Saka and Oleksandr Zinchenko head home

https://www.bing.com/th?id=ODF.Xm0enA-z_fuiMX5FvKt4cw&pid=news

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PIP claimants who are planning on going abroad for more than four weeks may see their payments stop if they do not inform the DWP prior to leaving. This is due to a set of rules about benefit entitlements. If you change your address, GP surgery ...

PIP claimants who holiday abroad during summer may see payments stop

LGBT

Looming

Supreme Court of India

Many LGBTQ Indians move or stay abroad where they can embrace their identity, find love, and live with more rights and little stigma. Now, many look to their motherland with high hopes after the Indian Supreme Court heard oral arguments in a case on legalizing same-sex marriage.

https://www.bing.com/th?id=OVFT.I0w5SaALT8Vj8-_2SAO-JC&pid=News

LGBTQ Indians abroad watch a looming decision in the Indian Supreme Court with high hopes

https://www.bing.com/th?id=ODF.nYADEgS75l8rdCg9D-p_OQ&pid=news

YAHOO!News

Canada

“Over 200,000 Canadian public documents are authenticated every year, and this accession will give Canadians a cost-effective, streamlined method for getting their Canadian public documents accepted abroad. “More information about the changes will be ...

Canada joins Apostille Convention to facilitate use of public documents abroad

Check the travel advice and entry requirements for the country you are travelling to before you travel abroad. You might need a visa, this depends on your destination. You can find out if you need a visa on the Department of Foreign Affairs website.

Travelling abroad

Citizens Information

Retirement

The Wall Street Journal

Many Americans dream of retiring overseas, and more are packing their bags.

Here’s What It Looks Like When Americans Retire Overseas

Wall Street Journal

Recent data presented in Parliament by the government revealed a 68% rise in Indian students studying abroad over the past year, with 7,50,365 students going abroad in 2022 as opposed to 4,44,553 ...

3 common study abroad mistakes you must avoid

Indiatimes

Nigeria

A Nigerian man who posted his plans to travel abroad on Facebook reportedly died a few hours later. The young man named Okpani Ugochukwu shared what was supposed to be good news with his friends after concluding plans to travel. Okpani Ugochukwu was ...

"He Did Not Wake Up From Sleep": Nigerian Man Dies Few Hours After Announcing That He is Relocating Abroad

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Abroad is a coaching, education, and research platform designed to actualize leadership and organizational potential. Our offerings are powered by evidenced-based research, practical applications, ancient wisdom, and mindfulness-based practices. In the first phase of our mission, Abroad is working with global leadership networks, venture portfolios, innovative organizations, and forward-thinking nations to holistically develop leaders and usher forth the wellbeing economy for the benefit of all.

Abroad

Welcome to ’s Writing Prompts! Would you like to take a stab at answering some of these questions? The link for the template is . HackerNoon HERE What is the coolest technology that you have seen while traveling? Where did you see it? Do you have a photo? Please share it. Is this a type of technology you would like to see wherever you live? Why? What are some other notable technologies you have seen while traveling, where were they located? What has been your favourite country to travel to? Why? Which nation do you think will have the fastest boom in technological innovation in the next 10 years? Why? Is there anything else you have to say on the topic? Would you like to take a stab at answering some of these questions? The link for the template is , just start writing! Interested in what others had to say in their answers? Click . Interested in reading the content from all of our writing prompts? Click . HERE HERE HERE

[Writing Prompt] Cool Tech Abroad Interview 

Want to move your tech career abroad? We have 5 simple tips that will help you land your dream job faster, so let’s just dive in. Do not say – I’m looking for a job with visa sponsorship Employers are always looking for talented people, so , not the fact that you are in need of a sponsor. This should be mentioned but why are you going to waste valuable word count and space at the top of the page to say it? It can be placed elsewhere. demonstrate your skills first Remember, you only have 15 seconds at best to grab the recruiter’s attention. Chances are, they are going to read the first couple sentences very briefly and then skim your bullet points and other bold print. They want to quickly get a sense that you’re the right candidate. You can give them that sense by focusing on your skills. Fish in the right pond where companies are looking for new employees internationally in the first place. Don’t go looking for opportunities where they scarcely are found. is a great place to look for your next job because all the companies here are ready to sponsor you and bring you into a brand new place. Use specialized platforms/job boards StackRaft Get References and ask if it’s possible that you can be referred to their company. Instead of saying ‘I’m looking for a job abroad’, you can instead say: ‘I might be a good fit for your open positions X and Y that I’ve seen on your website. Can you consider me as your reference?’ Use LinkedIn to find your old friends and connections around the area you are looking to relocate to Portfolio On average, you have 5 to 15 seconds from a recruiter or a hiring manager to catch their eye. that you can be proud of. Do NOT use old-fashioned CV templates. Do NOT create an extra long resume. Some people turn in resumes that are 7 pages long. You need to condense down to a 1-2 page resume at most. Only include your most relevant experiences and skills. The rest is fluff. Bullet points should also be clear and concise, with keywords/achievements in bold, as they are going to skim. Invest your time in the resume A stunning projects timeline is what will land you a job! Interview Practice You will be surprised how similar the questions are that you will be asked during interviews. will enable you to stand out from other candidates. Preparing ahead of time If you really want to move to any location, you can try to change your LinkedIn location to your desired place of residence. It might help you to get more attention from recruiters in this area or, who knows, start the process of visualizing your goal of moving to the new country Bonus tip:

5 tips to get a (tech) job abroad

“H is a frequent question we get asked by early and growth stage . This question is particularly important for European startups and companies operating from emerging markets, such as LatAm, India, Russia, and South East Asia. If your home base is not a huge domestic market (like the USA or China) and you have high growth ambitions, international expansion becomes very important very soon. ow do I expand abroad?” B2B startups The list of mistakes below is based on successes and failures we’ve seen across more than hundred B2B companies of all stages and sizes, and is complemented by the best management practices and patterns noticed by the top VCs. Avoiding these 7 mistakes in your international expansion journey will save you time, money, and may even prevent from fatal failures. 1. Expanding internationally too early I like the , a B2B lifecycle, suggested by David Skok from Matrix Partners. At System2Labs we see these steps to be true, and in our experience expanding before step 5 “Prove non-founders can sell” is a recipe for disaster. 9 steps to Repeatable, Scalable, Profitable Growth startup If you haven’t found product-market fit, haven’t generated significant revenue, or haven’t proven that non-founders can sell, you should focus on fixing that before expanding internationally. This is not to say that you should always start in your home market or in a single market. This simply suggests that expansion in and of itself is unlikely to solve these early stage challenges. Just like will not necessarily make you happier, expanding abroad will not necessarily solve your core business challenges. moving to a new country I hear many startups who are saying that their product is “too early” or “too expensive” for their domestic market, and this is a reason to go to Europe and the US. While it may be true, you should be careful with this logic and gather some facts. Your domestic demand may indeed be limited, but you should make sure that there are no fundamental product or demand issues preventing you from selling regardless of the geography you are in. Let’s have a look at two examples. UiPath, a Robotic Process Automation startup, that originated from Romania and it now valued at over $1B. When did they expand internationally? They opened the office in the USA they had some major customer wins and partnerships and after receiving funding from top tier VCs so that they could afford the expansion. Dan Lupu, partner at Earlybird Venture Capital , “The company did not have any real feet on the ground in the US and yet they were getting a lot of attention from US customers, riding a very timely trend.” Contentful is another successful startup that from Europe. They setup an office in the USA seeing significant demand for their products coming from the USA and experimenting with people working in the US time zone from Berlin. after global commented expanded to the USA after 2. Expanding internationally too late The opposite mistake — expanding too late — is also quite common with European startups. Many European VCs such as Earlybird and analysts cite “winning locally mindset” among European founders as one of the main reasons in terms of venture capital invested. I like how Robert Vis, Messagebird founder, put it in , “Founders are not thinking big enough. In Holland you see a lot of people saying, “I’ll go win the Benelux”, I don’t know if many people here even know what Benelux is. […] These are basically three smallest countries in Europe”. The point is that Europe is considerably behind US Websummit panel While you are winning the [insert a single market or region here], your American competitors may be winning the world. Early international expansion has been an important step in the success journey of European unicorns. Balderton, a top tier European VC, has gathered data to compare European and American companies with $1B+ valuation on the timing of and found that international expansion “European companies expand internationally 19 months faster than their American counterparts.” Thanks to a large domestic market, “Expanding too late” can be less serious (rarely fatal) mistake for American startups, yet it is still important. The classic examples of going abroad too late are Google and Facebook (Alex Schultz talks about it ) in, for example, Russia. Partly due to American companies’ slow internalisation, Russia has Yandex for Google and VKontakte for Facebook. here 3. Going to too many countries at once After achieving some initial success in the domestic market, many companies start making plans about going abroad. If this is a startup is not coming from one the these countries, the list usually looks something like this: the USA, the UK, Germany. Sometimes neighbouring countries or large Asian markets come in the mix. This is logical, of course, since these are probably the most attractive markets, but going to all of them at once is very hard and expensive. Do you know many successful B2B startups who managed to open a few large markets at once? It is very important to evaluate different markets according to their attractiveness for your business and your ability to win. Then decide on which market to focus first and make on the expansion plan. Balderton sees the following across their portfolio companies: international expansion patterns Straight to the US Small European market > UK > USA Market-by-market European expansion The right path will depend on your business model, stage, and available resources. For example, if your business is location specific (e.g., healthcare, fintech, some types of marketplaces) or requires significant regulatory compliance, it is even more important to go one by one. If your product is inexpensive, requires little localisation, and has self-service elements, you may consider launching a few new markets at once. 4. Entering a new market with a new product Founders often think that they need a new or different product to win in the new market. This is dangerous. Lean startup has popularised the idea that startups should focus on re-risking their businesses, i.e. starting with the riskiest ones. Going to a new market with a new product is a combination of two major risks and with the resulting risk profile probably higher than the sum of the two. From the learning prospective, if you go to a new market with new product and fail, you won’t know if this is due to product or the market. testing their assumption Of course, we are not saying that you should just go abroad with an existing product. You should absolutely do basic market research, conduct customer interviews, tests, and pilots in the new market. What we are saying is that . it is best to enter the new market with your core product that has been tested and “validated” by the customers It should be a product which you know how to sell, how to service, and the product that is highly valued by existing customers (e.g., has high NPS, low churn). As mentioned before with UiPath and Contentful examples, the most successful B2B expansions are the ones where the companies tested the international demand for their products before officially expanding abroad. 5. Expanding without testing the markets We mentioned tests and getting some demand as important success factors. Indeed, expanding into a new market without taking the time to test it first is a common mistake startup founders do. But how do you actually do it? While the proper answer is always company-specific and requires a lot more details that we can provide in this blog, here are a few best practices: of international expansion, make hypotheses and decide how to test them in the simplest, fastest, and cheapest way. One of the best exercises at this stage is to have a management workshop and discuss the reasons you may fail (imagine a post-mortem). Then brainstorm ideas to design simple experiments to test for these reasons. Define your riskiest assumptions who are the potential customers, how are they different from your domestic customers, how is the market structured (who are the players, how are my types of products sold), what are the common sales processes. Interviews with potential and competitor customers is the one of the best ways to do this research. Make sure the interviews are business conversations (not market research surveys, and not sales pitches) and they test your hypotheses in a non-biased way. Understand the market: and talk to potential users. We sometimes hear that the founders are too busy to do this. This may be a red flag. At the early and growth stage, you as a founder should only expand to a new large new market if it is strategically important, i.e. one of the 3–5 most important initiatives. If the founder does not have time this task, then it is either not the best time to expand or the founders should review their priorities. Get founders or knowledgeable executives to visit the market . In many cases, there are things you can do from your market before setting up the office in the new country, e.g., you can ask someone in sales and service to work in the customer time zone, you may invest in a few business trips, or run a dedicated customer acquisition experiments. You can hire a person from your target market to work for you locally, e.g., hire an American sales rep in your Berlin-based startup (this is an approach ). Try to acquire some customers remotely Wooga took before going “all in”. You may set-up a small team in a in just one city in your new target market. This could be done by founders or hired executives, or in some cases an experienced 3rd party (e.g., a consultant or an interim country manager). The pilot should be carefully designed to test for the hypotheses you defined in step one. Set up a pilot 6. Testing new markets by hiring sales reps When planning the pilots, many founders think about hiring a few sales reps in the new market, attempting to oversee them remotely, and hoping that it will somehow work out. In our experience, this approach rarely works. It is very hard to find the sales people with the relevant skillset without understanding the market first. It also sets unrealistic expectations on these sales people — they should be facto act like country managers or CEOs of their territories. You may get extremely lucky and find a person who can do magic, but it is hard to count on it as a reliable tactic. Like in most commercial hiring decisions, Hiring sales reps is a part of the execution (the How), not a strategy (the What). It is a means and not an end. You just have to do your research and market intelligence, conducts tests and pilots and define the What. Based on this work, the you can design the Go-to-Market model for the international market, define the minimal viable organisational structure, and the basic skillset that the sales people should have. Only afterwards are you ready for the next step, which mostly probably involves setting up a small office and hiring the first sales people. hiring sales people should never be the first step in your decision making. The key to creating a reliable revenue engine is to minimize the need for a miracle, i.e. set up the environment where even average people can win. 7. Relying on channel partners to open new markets In the B2B technology startup world, channel partners are usually software distributors, system integrators, or IT consultant and outsourcing companies. There typically specialise on a type of software (e.g., security or document management) or an industry vertical (e.g., healthcare or government). Some founders think that getting a channel partner in the new country is the best way to expand. In our experience, this may work in some cases but not that often. Expanding abroad with channel partners may work well when: The company is well-established in their home market, e.g, it has managed to get significant revenue (say over £10M ARR), and financing (e.g., stage B) based on some clear adoption metrics The company is based in a well-developed market (e.g., USA, a large European market or a other market with world-class expertise) and is expanding to smaller markets via channel partners, e.g., an American company working with partners in smaller European countries The company has a unique solution which gets a lot of organic demand, but the team is simply uncapable to satisfy that demand on its own The company is already somewhat established in the local market and needs channel partners to scale (this is where channel partners can be extremely useful, but this is not very relevant to international expansion) However, if you are a smaller startup based in, say a small European, Asia or Latin American market, are you hope to get into the US or the UK via partners, the chances for success are quite low. First of all, it is hard to acquire channel partners. If you are small and unknown, acquiring good channel partners is not much easier than acquiring own customers. Even if you manage to acquire them, it does not automatically mean that they will be brining sales. Channel partners may have hundreds of suppliers in their portfolios, their sales people may not necessarily know your product well enough to sell. You should also know that many channel partners rely on the manufacturers to create the demand (“pull”) and introduce them to the leads. Some founders ask about agents — individuals who work for commission from sales. Founders may expect these people to sell their products or make useful introductions. While you may be able to get some opportunistic sales if lucky, this is usually a very unreliable route to market in Europe and the USA. Agents are not very common in the Western markets and in technology sales and are not always well perceived (or even considered legal) by professional buyers. With both channel partners and agents you also lose ownership of your customers. You may find yourself in a situation when it becomes difficult for you to access customers, understand them, cross- and up-sell. Having said this, channel partners can be a very valuable to early and growth stage technology startups if you use them for the right reasons. They can be a great source of market intelligence, since they know a lot about their customer needs. Just like in the , spending time with a partner allowed them to unlock the potential of their product, “We had a good product […], but we didn’t yet know what we could do with it. Until somebody came and told us ‘you can use it to build an airplane.’” case of UiPath *** I hope that this list is helpful to startup founders and executives who wish to expand abroad, as well as to VCs and other investors. Subsribe to System2Labs newsletter to stay tuned for the next editions where we will talk about the exact steps that you should take to go expand abroad and many other ways to create scalable sales engines. System2Labs has a lot of experience working with B2B companies in the US and in most major European markets. We have developed tools and methodologies to help startups from any origin to expand abroad. Contact us if you have questions about the expansion approach that works best for your business.

7 mistakes B2B startups make when expanding abroad

Everywhere I go, people sympathize with me when I tell them I’ve moved back to India after living abroad for ten years: whether it’s at a store, party or work. Across the board, people lean in, curious: “ ”. Or they laugh: “ what’s it like being back? How are you adjusting? Poor you, it must be so hard are you crazy? Why would you choose to be here?” I can’t say this often enough: it’s great being back. As anyone that knows me will tell you: I was strongly reluctant to move back initially. I was worried about the quality of life, work culture, being a working woman in a regressive society. And yet, I’ve been so positively surprised. Things have changed dramatically in Mumbai over the past ten years. Yes, the traffic in Mumbai is terrible: but it’s terrible in LA, London, NYC, and every other major cosmopolitan city. Yes, the work culture differs: people can be less proactive and need more hands-on management. You have to repeat yourself more often, and make granular decisions: but they’re also more hungry to learn, earn, do: and they work harder. Yes, the lack of personal space is frustrating: but it’s beautiful that so many people truly care about you. I do struggle more here: I work harder. I worry about the air I breathe, and the commute is exhausting. The pay is much worse. But I’m also leading the web series division of a fast growing media startup in India. I’m not sure I would have been able to do the same work, at the same pace and scale anywhere else. I get to tell untold stories, to a quickly growing local and foreign audience, that’s hungry for higher quality, relatable content. Global platforms and audiences are increasingly keen to hear what we have to say. There’s a new crop of creative talent clamoring to build a more transparent, meritocratic culture. When did we have such access to the world stage before? What about the ‘backwardness’ of society? Of how women are treated? Admittedly, my perspective is highly urban, privileged and skewed: but personally, I’ve been pleasantly surprised by how women are treated both at work and home: I’ve honestly faced much more subtle and covert sexism abroad. Of course, there are serious problems here. But it’s more in your face, more blatant: and therefore in some ways both more frustrating, but easier to pinpoint and tackle. Every place has its drawbacks: I’ve lived in London, Palo Alto, Boston, Athens and San Francisco over the past ten years. The air is cleaner, but people are more lonely. It’s harder to connect and be truly known. There are advantages to living in a community-based culture, versus an individualistic one: I can see this as I grow older. Let’s highlight what we’ve built and the progress we’ve made. The constant comparisons and references to American culture: on the radio and on TV, in the way companies are built and run, at our dinner tables and in our personal lives is almost sad. The colonial hangover is strong: people assume you must somehow know more or be ‘better’ because you’ve lived abroad. I’ve spent a significant part of the past five years increasingly frustrated at borders shutting and increasingly regressive immigration policies. I was in London when the Brexit vote when through and in California when Trump was President: but I do think this is a seriously positive opportunity for India. Let’s encourage our brightest minds and talent to move back, versus feel sorry for the people that do. Our generation has the chance to raise the standard of work, to set a new standard for how we want to live, be treated and treat others. We also get to shape how the world sees us: through the way we perceive and present ourselves. Our words and mindsets matter. I choose to be here. And I’m excited for what’s to come.

After Ten Years Abroad, What’s It Like to Live in India Again?

Why not buy a car with the money you save on transfers? In a world that’s becoming rapidly more globalised, living abroad is becoming increasingly common with the popularisation of migration. Moving abroad will likely be an intimidating process for anyone, but knowing how to do it cost effectively can save you hundreds, even thousands; making the process a little less stressful. So, what should you consider before moving abroad? How can you save money on your move? There are a significant number of additional costs which you’ll incur when moving; some can be avoided, some can be reduced. Firstly, let’s look at the costs which you can cut completely. By doing research into the process of moving overseas, you’ll be able to save a great deal as you won’t need a financial advisor. The internet has countless resources to inform you about the financial aspect of the moving process. While using a real estate agency can save you a lot of time and stress, it will also add to the cost of the property due to commissions. There are a number of websites online dedicated to matching property sellers with buyers. If you choose to do this, you should be very cautious. Ensure the person advertising the property is the rightful owner. You will also want to visit the house beforehand to ensure it is as advertised (not a bad excuse for a weekend away). You’ll also want to ensure that the property’s deeds haven’t been offered as collateral for any loans. While there are some costs which you’ll incur regardless of how you approach purchasing a house abroad, there are steps you can take to lessen costs in other areas. Firstly, you’ll want to keep an eye on the different property markets as they can vary hugely; even in neighbouring countries. This is something worth doing early on when you decide to move as it will likely factor into where you choose to live. So, moving to the right place can save you a lot of money. What about moving at the right time? Exchange rates are definitely something you’ll want to keep an eye on. When transferring large sums of money, the amount you receive post-transfer can vary hugely depending on that days exchange rates. Using apps like Find.Exchange you can set alerts to notify you when the exchange rate is most favourable. Another area where you can save a lot of money is on the actual transfer. With so many companies offering so many different rates for the same transfer, on the same route, finding the most competitive can take hours. What’s more, you’ll also want to factor in how long the transfer will take. With big banks charging huge fees on international money transfers, you’ll want to look at some of the smaller, dedicated providers. While the fees will be lower, there will still be a huge selection to choose from. I suggest getting back on the Find.Exchange app and comparing the providers that can transfer on your chosen route. You’ll be able to see how much you’ll get in the foreign currency, how long the transfer will take and the providers user rating. Using this app will save you money; and depending on the amount you transfer, it could be a significant saving. By using price alerts and transfer comparison, you’ll be able to rest assured that you’re getting the most for your money. By taking these factors into account, doing research and comparing transfer providers and exchange rates, you’ll be able to get a good idea of just how much money you’ll save. You might just find that the budget for your house has gone up. Saving money when moving abroad may not make it any less daunting, but when you arrive at your new Greek villa, knowing that the car you just bought was paid for with money you saved, I guarantee it will put a smile on your face. To see how much you can save on your money transfer, head to : https://find.exchange/search/transfers Find.Exchange

Buying a House Abroad?

(see summary below article) Tricking the Traveller Travelling is a true luxury. We are truly fortunate to be on a planet with such an abundance and variety of life and landscape. Travelling offers us the opportunity to escape the mayhem and routine of everyday life and be reminded of just how small we are in the grand scheme. Unfortunately, as you’ll know from your previous travels, this is often not the whole experience. Hidden fees, elevated rates, ATM charges, and so many more factors can make your travels confusing, stressful and expensive. In this article, we’re going to look at what you can do to make sure you’re not getting tricked and overcharged. Without the right knowledge, you’ll be paying to spend money. Extra charges will be applied to your credit/debit card payments, currency exchanges and more. So what can you do to make sure you’re not caught out by these fees? When using your credit/debit cards abroad, there are two charges you’ll come across, Foreign Usage and Cash Withdrawal fees. Foreign Usage refers to making payments using your card. In a restaurant, for example, when it comes to paying the bill, you’ll likely be asked if you want to pay in your home currency or the local currency. Frequently, people assume that using your home currency is the way to go. However, when using your home currency, you may be charged an unfavourable, unknown exchange rate. This is an easy way for businesses to take a little extra off the top when serving you. Another fee you’ll likely get when using your cards will be from your bank; be sure to check your international usage fees. You’ll likely have to withdraw cash while you’re abroad, and you will be charged for this. Unfortunately, this is not an easy charge to work around; you need the cash, the bank has a fee. You will be charged a percentage, regardless of how much you withdraw. This gives you the opportunity to save on being charged to withdraw again later. Ultimately, you want to withdraw as infrequently as possible. The best way to do this is to withdraw a larger amount. Take care when carrying cash overseas as tourist areas often warn of pickpockets operating in the area. While you might think that the capital cities of developed countries would be safe, however, Amsterdam, Rome and Paris are among the destinations known for pickpockets. Exchanging currencies is an inevitability for most travellers, and finding the exchange bureau with the best offers can take hours. Exchange bureaus will offer an unfavourable exchange rate, giving you less of the local currency than the actual exchange rate offers. Using comparison services like Find.Exchange can make it much faster and easier to find the nearest bureau, with the best rates. This service can also be used to compare prepaid travel cards. Prepaid travel cards can be very effective if used correctly. As you have to top up the card, it’s much easier to make sure you aren’t overspending. However, if you don’t know how to spot the hidden fees, you’ll end up spending just as much money, except now you’ll also have to repeatedly top up your card. So, now you know the tricks of the trade; or the main financial ones at least. Travelling is all about relaxation and exploration. Hidden fees and currency exchange are the saboteurs of any good holiday, and it needn’t be. Using the tips and tricks we’ve given you, you can take your mind off your money, and enjoy your time. Summary Credit/Debit CardsCheck your international usage fee.When given the choice, pay for things in the local currency. Withdrawing CashWithdraw larger amounts, less often to avoid repeated fees.Be cautious when carrying cash in tourist destinations. Exchanging CurrencyUse comparison services to find the closest exchange bureau, with the best rates. (eg. Find.Exchange)Exchange more money, less often to avoid repeated feesAvoid having foreign currency left over when you return home. Prepaid Travel CardsCan help you limit your spending when abroad.They will not necessarily save you money. Find.Exchange

Find out how you’re getting tricked into spending more abroad

Every year, hundreds of thousands of Chinese students leave their country to study abroad. While overseas, they pay tuition, buy books, eat at restaurants, and pay rent. All of that requires one crucial step: moving Chinese yuan out of China. “A lot of people are doing offshore financial planning because they’re going to have future liabilities denominated in US dollars or euros or pounds,” Weber Su, co-founder of fintech , tells . That includes not only Chinese parents who want their children to study abroad, but also those who want to buy overseas property or “travel around the world in five years,” he says. startup Niu Jiao Suo Tech in Asia “We usually target this group of people,” he adds. Since China’s sharp yuan-devaluation in 2015, about US$1.2 trillion has left the country. The Beijing-based startup, founded early last year, has picked one hell of a time to start helping Chinese investors move their money abroad. Since China’s sharp yuan-devaluation in 2015, about US$1.2 trillion has left the country, according to . In response, the Chinese government has tightened capital controls, especially over the past year as China’s annual GDP growth slows to . Bloomberg Intelligence below 7 percent Restrictions on insurance products, mergers and acquisitions, and are all part of the government’s capital flight crackdown. For instance, there’s a US$50,000 limit on foreign currency per person per year in China. even bitcoin However, that isn’t stopping Niu Jiao Suo, which connects Chinese retail investors or individuals with overseas mutual funds. Through the company’s app, users can invest in overseas funds of their choice, such as BlackRock, JP Morgan, and Franklin Templeton. The minimum amount is US$400. The upper limit, of course, is US$50,000. investment Husband and wife co-founders of Niu Jiao Suo (left to right): Angeline Cai and Weber Su. Photo credit: Niu Jiao Suo. “It actually gives us more attention, because all of a sudden you have a US$50,000 quota, renewed annually,” says Weber, explaining the impact of China’s capital controls. “That just conveys to an ordinary person that the quota is valuable. If you don’t use that it expires.” In addition, Weber says, limits on capital outflows are incentivizing prestigious overseas funds, such as BlackRock, to consider small players like Niu Jiao Suo. “They’re targeting [China Investment Corporation],” he says, referring to a massive Chinese sovereign wealth fund. “Safe. The big players. If they have time, they go to the insurance companies — those can write really big tickets.” “But due to the foreign exchange controls, even if they obtain really good sales leads, it doesn’t really lead to sales,” he explains. To attract funds, Niu Jiao Suo bundles the small investments made through its app into a larger package. That’s transferred to asset managers once a day. We do not want to open accounts for US tax residents It’s important to note that the company itself doesn’t manage any money. When users top up their Niu Jiao Suo account, the money is sent to a custodian account managed by DBS Bank, one of Niu Jiao Suo’s partners. When users make an investment, the money is transferred accordingly. The startup is primarily responsible for internal clearing and settlement work, as well as conducting due diligence on its users — the investors. “We need to make sure this guy […] is not a criminal,” explains Weber. The startup is using an API from China’s Ministry of Public Security that lets it key in Chinese national ID numbers and run background checks. Niu Jiao Suo also checks to see if users are US citizens or US tax residents. “We do not want to open accounts for US tax residents [because] we have to file taxes on behalf of them,” he says. For its trouble, the startup takes a 1 percent subscription or redemption fee, which charges investors when they buy or sell shares, respectively. From certain asset managers, Niu Jiao Suo is also able to take a cut from their management fees, which is used to pay fund managers. Caution ahead Niu Jiao Suo’s concept of aggregating small investments into one lump sum isn’t new. , a US-based company founded in 2012, lets users invest even smaller amounts of money — or what’s known as ‘micro-investing’ — by rounding up expenses, such as a cup of coffee, and investing the difference. Acorns , an app launched last year, is another micro-investment startup. Moneybox A slew of other Chinese startups, such as and , cater to Chinese retail investors who want to invest in overseas stocks and securities. Jimubox Tiger Brokers However, as Chinese officials continue to clamp down on capital outflows, these cross-border investment startups might start to feel the squeeze. “From the regulatory perspective, the focus on the personal allowance will become increasingly rigorous,” Jolyon Ellwood-Russell, Hong Kong-based trade finance and fintech partner at , tells . Simmons & Simmons Tech in Asia “So yes it’s a great idea […] but they need to be cautious from the lessons learned from of the likes of bitcoin, insurance products, and Union Pay restrictions,” he says, referring to Niu Jiao Suo. “It’s going to receive scrutiny if their product is perceived as getting around capital controls.” For Niu Jiao Suo, its business is still in early stages. Its app went live last July and currently has “thousands of users,” though the startup declined to disclose an exact number. In March, Niu Jiao Suo announced a US$5 million series A round led by , an early-stage venture capital firm focusing on Chinese and Southeast Asian tech startups. Gobi Partners Originally posted on Tech in Asia .

This fintech startup is helping Chinese people move their money abroad

A long story of why I decided to shape my career towards becoming an international Software Developer. Introduction I'm born and raised in Brazil. I've been working as a software developer for 5 years and two years ago I received a one year scholarship to study at Arizona State University in Arizona as part of an exchange program. It was awesome! I met some amazing people there. At the end I also had the chance to work as an intern at a Silicon Valley startup for a couple months. This whole experience made me realize that the world is much bigger than my city/state and there are many ways to live. Coming back to Brazil was strange. I was happy I got to see my family and friends again but something had changed. I'd seen what's out there and I wanted more of it, so I'd work hard to become a better developer and have enough experience and knowledge to go abroad. One Once I got back, I started working with a couple friends on their company. The main service we provided was building websites for various kinds of customers. We also wanted, like many other companies, to have our own product with recurring revenue. After 6 months I realized it was not going to work out. It was fun and exciting to work on new products, create websites for our customers and seeing their satisfaction was also awesome, but after all I needed money to pay my bills and I wasn't getting the income I needed, neither was seeing the growth needed to make that reality in the future. I quit Two I quickly found a job at a Software Factory that was opening a branch in my city; it was great match. They have amazing people in their team so it was an awesome opportunity to learn and grow as a developer. Indeed, I learned a lot during the time I was there, I learned very important skills that will follow me throughout my career. Yet, after a while I realized I wasn't as happy as I should be with my job. It had nothing to do with the company, it was me. I was working 8 hours a day + 4 hours a day in class + homework and I also started a side project with my friend to create a marketplace for trading Pokemon on Nintendo3DS called PokeMTS. Murillo Barbosa I had very mixed feelings. While I was learning a lot at work, I wasn't happy. and I wanted to keep working on PokeMTS and other side projects, but I just didn't have enough time to work on all them it at once. It felt like I was taking small baby steps towards working abroad I know this all sounds crazy and a bit non-sense. That’s just a reflection of how it felt at the time. With all these things going on, I started feeling burnt out and it started impacting my productivity, which I consider very problematic, as I'm committed to do my work. I didn't sleep enough, so my focus throughout the day was much lower than normal. As a developer, being able to focus on what you're doing is crucial! I quit my job and decided to use my savings to go through the next 3–6 months. A Sabbatical Because I freed 8 hours of my day, I was able to sleep more I decided that in my first month I was going to spend my days watching TV Shows, playing videogames and sleeping. During this month, coding was a hobby, which was fantastic. (a lot more). Great month! The first thing I started doing then, was creating a game. I studied PhaserJS and started creating a Tetromino game with spells, like an RPG. It was very different from the kind of work I had been doing, so it was rejuvenating. The structure of a game is very different from creating CRUDs for web applications and required me to think in different ways. Besides being fun, I learned a lot. The next step was to study the cool techs and concepts, like functional programming, Typescript, ES6, ReactJS and VueJS. The more I studied, the more I found things that I didn't know, which led me to studying even more. As the result of this studies, I released Premiere, a very simple ORM designed for consuming Restful APIs in the front end. _Javascript ORM for consuming Restful APIs_pedsmoreira.github.io Premiere And of course, a project that uses it too ❤ _A music player for modern browsers_premiere-player.herokuapp.com Premiere Player Writing I also started writing on Medium about the projects I do. Being able to help the development community feels very good. I hope to continue contributing to the community. Also, writing is kind of therapeutic as it helps training to organize ideas in a comprehensive manner. Going Remote While taking the sabbatical was great, I still needed a job, as my bills refused to get paid by themselves and none of the projects I created were giving me any money. I thought about the available opportunities and realized that working remotely would be the best option. I'll graduate by the end of 2017, so I'll be able to continue studying and still pursue my dream of working abroad. I started applying for remote positions and one day a friend of mine told me he was leaving his position to work in Amsterdam and his position would be open, so if I wanted to apply he'd endorse me. I got the job! I work remotely for a US based company now :) Working on my own projects After all this process I realized how important pursuing my own projects were to me, so I still do that in my spare time; with a lot of caution of course, to avoid burning out :) Checkout my latest project: _Developer, feature your best projects in a plug and play portfolio. The best part, for free._www.gitshowcase.com GitShowcase GitShowcase on ProductHunt Thanks for reading. I’d love to know your experiences and opinions too. If you like this post, help to spread the word :) If you like this, remember to share the love and recommend it ❤

Traveling abroad, taking a sabbatical and deciding to go remote

Here is some advice for anyone studying abroad. Just do it. It is true when they say that your college years fly by. Here I am in my second semester of my junior year and I can’t seem to comprehend the fact that I am supposed to have a career plan in a year from now. Hell, I’m still waiting for my letter from Hogwarts. Although there’s one thing I do know and it’s that I’m so glad I took the opportunity to travel abroad last June of 2015. When I look back to my college years in the future, my intent is that I never have to think about the “ what if’s”. Last summer, I was blessed with the opportunity to visit a little town in the south of France called Pau. You’ve probably never heard of it, but if you have, let me know because I want to meet you. Pau is surrounded by the breathtaking Pyrénées Mountains that also extends to the border of Spain. Pau also has it’s own , along with other rich historical architecture around the city. I experienced all kinds of bipolar weather, but the most being rain. : I can proudly say that I had one foot in Spain and the other in France when my host family and I drove up to the mountains to visit a small market place. château Fun fact Anyways, I could really go on and on about my experience abroad but I wanted to focus on a few things here. If you are a college student like me, and the thought of studying abroad crossed your mind even for a second, I strongly recommend it and here’s why: Say good-bye to your comfort zone You may be used to having the same routine every day that keeps your life on schedule. Living abroad, especially in Europe, time doesn’t exist. Looking back, I realized how much Americans are obsessed with time. In France, if someone invites you to dinner at 9 p.m., you better not show up until 10 p.m. Have an appointment after class? What’s the rush, let’s just go grab an afternoon coffee and talk about nonsense. Taking the train? Yea…you might want to be on time for that. La langue d’amour I put myself in a homestay to force myself to learn French in the quickest, most natural way possible. I kid you not, all those five years of French I took in high school and college, I relearned in three weeks. By five weeks, I was able to hold a conversation with my host parents at dinner about what I did during the day and what I’m going to do the next day. If you know French, you know that speaking in the past is not easy because you have to think about the or . Did it happen once? Or did was it something I used to do? There’s your French lesson of the day. l’imparfait le passé composé Also, what could be better than home-cooked French cuisine every other night? Absolutely nothing! Coming from a Cape Verdean background, I felt right at home. For others, one might experience something called culture shock as defined below: The feeling of disorientation experienced by someone who is suddenly subjected to an unfamiliar culture, way of life, or set of attitudes. To overcome this horrid curse, we must become open-minded to new experiences, ideas, and cultures and be willing to try new things. So, I’ll start with something we all can’t live without: Food. If you are a picky eater and you don’t like to try new things, then you will definitely struggle eating abroad. I ate a variety of food in France ranging from Vietnamese to Lebanese to Moroccan to Mexican (granted I ordered a cheeseburger and fries, but it was the best damn cheeseburger and fries I’ve ever had, and I was feeling slightly homesick) and even Italian. Oh, and of course I had to have sushi a few times, and let me be the first to tell you that there is no all-you-can-eat :’( Paella from San Sébastien, Spain. My point is that everything food-wise is just better. You really don’t have to worry about GMOs and processed food because everything is already fresh and organic. My host parents bought their fruit, veggies, meat, fish, and cheese from the local farmer’s market every Saturday. I am completely surprised that I did not gain 100 lbs because I ate bread and cheese at almost every meal and dessert after every dinner. I ate at Georgio’s, an ice cream truck, about four times a week. I also had a box of macarons with me at all times. Even when I went out to restaurants, we ordered an abundant amount of food because we wanted to try everything. Also, the fact that I could order a £6 ($6.67) wine bottle for myself at dinner was game over for me. Les amis If you are wondering what this means, it simply translates to “friends”. Again, if you don’t like to meet new people, I suggest skipping this part. But if not, I invite you to stay and read about why I think making friends abroad is important. I met some of the nicest people in my study abroad program and even the friendliest locals. : Want to know another fast way to learn a language? Date a local! The whole “French people hate Americans” is just a stereotype. What is true, however, is that the French think we are loud — that I have to admit, is true. We can all recognize that cultures have their differences, but for the most part acting as French as you can without going overboard will definitely get you in with the locals. Another tip Almost every night you could find us at The Galway. Any opportunity I was given to either see a movie, go out to the bars, shop at , or just to sit down with a friend and drink some , I wouldn’t miss. Every day is a new adventure being abroad, and it is even better when you have friends by your side willing to explore with you. I went to Spain with a Spanish speaking friend from my university and she taught me how to order a drink in Spanish, which still is the only phrase I remember how to say. La Place Clémenceau café au lait Becoming friends with the locals will really make you feel apart of the culture. I went out and played pick up soccer as often as I could and picked up (no pun intended) on street soccer terms like “ and “ ” to call for the ball. For whatever reason there is, making friends with the locals is beneficial to learning the slang and non-formal part of a language. vas-y, vas-y!” ouais Ma famille d’accueil I couldn’t have asked for better host parents. They picked me up and dropped me off whenever I needed it. They fed me breakfast, lunch, and dinner whenever I was home. They threw me a mini birthday party with the best homemade tiramisu cake I’ve ever eaten in my life. They bought me a dozen of my favorite macarons. They drove me to their favorite spot in the mountains. They gave me a local cell-phone with my own French phone number so I could contact them and my local friends. They brought me to their garden to show me all the crops they grew. They gave me sweaters to wear when I was freezing because I only brought tank-tops and T-shirts. And they even asked me how I spent my day every single night. It really couldn’t have gotten any better than that. I miss them dearly and I try to stay in touch every once in awhile via email. Aren’t they just the cutest? The most frequently asked question I get is about being in a homestay is awkwardness. Here’s my answer: it’s only awkward if you make it awkward. My host parents encouraged me not to stay in my room when I was home and to talk to them about anything so I could practice my French. I hope that you will have a family to make you feel as comfortable as mine did to me. If you are thinking of being in a homestay, I strongly encourage it because I built a connection so great to the point where I had tears in my eyes when I had to say good-bye for the very last time. Transportation Traveling within another country does sound terrifying in itself. However, the only way to learn your way around is to become familiar with the area by actually experiencing the city. People don’t want to look like tourists carrying around a map, but sometimes it’s completely necessary. I had to take the bus from my homestay to school every day and it only took me two days to understand the bus routes. Granted that Pau is a small city, but the only way I learned was by making a mistake. Story time. The first day I took the bus home from school, I got off one stop too early and I ended up walking around downtown for a good, solid hour. I was panicking in my head but I was trying not show it on my face. I was too proud and inexperienced in the language to ask for directions, so I just tried to figure it out on my own. I also was noticeably holding open a map like a full blown tourist…but no one stopped to help me. The good thing was that this happened to every one else in my program. We all at some point walked around aimlessly trying to find our homes. Eventually I made it home in one piece. I’m not exactly sure how, but I made it a point to never get off on the wrong stop again. Here is my lesson to you: familiarize yourself before you blindly hop on a bus and think you know where you’re going — you don’t. For traveling short distances outside of the country, I recommend bussing it as often as you can. It may take longer, but it is way cheaper than a train or an airplane ticket. I had learned about “Bla Bla Car” from my host parents, so if it’s coming from them, then it must be legit...right? This is also a cheap way to travel and is very similar to über. All you do is look up people who might be driving to a certain direction you need to go, hop in their car and enjoy the ride. This method is best for traveling to popular cities. Classes Fortunately, I was only taking two classes during the summer. Learning a language isn’t easy, but engrossing yourself in the culture will make it 10x easier. I almost forgot I was in Pau for summer school because it felt like a 5-week vacation in Europe. All I can say is as long as you do the homework, stay engaged in class, and show up, classes will be a breeze. Also, do not be afraid to speak the language. Fake it ’til you make it. You are only as immersed as you allow yourself to be. Go out and explore. Say yes to coffee and crêpes. Be prepared to get little to no sleep and to walk . Take a road trip to a neighborhood country. Visit that museum you walk by every day. Snapchat all your meals. Go wine-tasting and then buy your favorite bottle. Try that Lebanese restaurant every one keeps talking about. Keep a journal to document your favorite memories. Take pictures of everything, they probably already know you’re American when you walked through the door anyways. Lastly, be safe and have fun. a lot Traveling is truly exhilarating and reverse homesickness is real my friends. One last thing for your flight back to the U.S….yes, that’s correct. You might be thinking, “ ” but you never know what could happen. Check and double check your flight information and make sure you have a reliable mode of transportation. Do not depend on the front desk clerk to tell you that the shuttle only takes an hour to get to the airport when it really takes two and a half hours because there’s loads of traffic and then in the middle of the shuttle ride, you realize that you read your itinerary wrong and have to admit to yourself that you’re probably giong to miss your flight. Then, when you show up to the airport, you only have five minutes to board the plane…but wait! You still have to check in your overweight luggage and wait by the check-in services because TSA shut down the gates due to a bomb threat and then you have to call your mom at in tears. Please, just don’t do that. : arrive at the airport at least when traveling internationally and you will avoid all of these issues. Be on time well, duh… 1 in the morning her time Moral of the story here four hours early To conclude, here is a quote from my dear friend and mentor, Barbara Lane: “Travel enriches us…not only seeing beautiful places, but in the experiences we have. Our world views from language and food, from culture, is deepened. We learn about ourselves, our strengths and weaknesses.” Tu me manques, Pau ❤

Why Studying Abroad Changing My Life

The Grandmother was in an impatient

The lead image for this article was generated by HackerNoon's via the prompt "World map with dollar signs above most expensive countries" AI Image Generator The software engineering industry has witnessed significant growth in recent times. While most work can now be done remotely, there are still occasions when companies require employees to relocate. Therefore, before applying for jobs and accepting offers, developers and their families need to carefully consider the pros and cons of each specific case. Moving to another country for work and life is always challenging, and these decisions are not to be taken lightly. As someone who has lived in multiple countries so far, including Sweden and the UK, I believe my experiences can provide useful insights for others who are still in the decision-making stage. In this article, I have compiled a list of the top ten factors that should be taken into consideration. 1. Language Relocating to another country inevitably involves a change in language, unless it is a country that shares the same language as your home country, such as the UK, US, or Australia. English has become the international business language, so if you are working for an international company, communication will likely be conducted in English. However, for smaller companies and daily life outside of work, this may not be the case. Depending on the country you are moving to, language barriers can pose challenges. Learning a new language can be difficult and time-consuming, and it is crucial to consider the impact it will have on all family members. Language barriers can affect socialisation, as well as everyday tasks like grocery shopping. Some countries, such as Canada and Switzerland, have multiple official languages, so it is important to research the language situation in your destination country. 2. Tax System Working abroad for an international company may seem enticing in terms of salary. The numbers can be impressive, with salaries sometimes being two to three times higher than the average in your home country. Various resources, such as and , can provide information on average salary levels for specific areas of expertise within the software development field. However, it is important to note that a higher salary does not always translate into a higher net or take-home amount. In some cases, higher annual salaries may result in higher taxes due to progressive tax rates. Understanding the tax system of the country you are moving to can be complex, with numerous conditions to consider. It is advisable to consult with an accountant who specialiіes in the tax laws of the country or make use of online tax calculators. Accountants can also provide broader advice on tax optimisation. levels.fyi glassdoor.co.uk 3. Medical System Similar to taxes, the medical system varies from country to country. Regardless of age or circumstances, no one is immune to health issues or injuries. If you have specific medical conditions that require constant medication or treatment, it is crucial to consider the medical system of your destination country. Before relocating, thoroughly investigate the healthcare facilities, quality of care, and accessibility to ensure it meets your needs. 4. Job Security Job security is closely tied to local labor laws and the job market. Feeling protected from layoffs and job losses is important, especially in times of economic uncertainty. However, under certain conditions, companies still have the ability to make employees redundant or terminate their contracts for policy or law violations, which can impact future employments. Each country has specific laws that govern layoffs and the severance package employees are entitled to. Understanding the job security landscape, including the terms of your employment contract and visa conditions, is essential. 5. Cost of Living Having a clear understanding of the average salary level and estimated tax deductions allows you to calculate your net or take-home salary. This forms the basis for all subsequent monthly expenses, such as rent, utilities, and other local fees. Additionally, the cost of food, transportation, shopping, and personal expenses can vary significantly from country to country. Utilising resources that provide average expenses per person per month, like or , can be highly beneficial in gaining a better understanding of the overall cost of living. numbeo.com expatistan.com 6. Cultural Differences Moving to a different country means encountering people from diverse nationalities in the same area. People migrate to safer and better countries for various reasons and have been doing so for generations. In cosmopolitan cities like London, Paris, or New York, adjusting to this mix of cultures is essential for fitting into society and the work environment. While workplaces often embrace cultural differences and accept individuals with their unique perspectives and qualities, personal adjustments are necessary to foster understanding and improve work-life conditions. Tolerance and inclusion are prioritised in large companies and cities. 7. Crime Rates Feeling safe in your new country or city is of utmost importance and is sometimes underestimated during the decision-making process. Researching dedicated web resources that provide information on crime rates can help you gauge the safety level of your destination. It is important to note that the definition of crime and tolerance for specific actions vary across cultures and legal systems, so it is best to familiarise yourself with this topic in advance. 8. Infrastructure and City Planning City planning plays a crucial role in ensuring a comfortable life. While it may be challenging to stay updated on country-level infrastructure developments, focusing on city-level planning is more attainable. Besides transportation infrastructure, including systems within and connecting to the city, museums, shopping malls, and recreational areas, urban planning also encompasses green zones, parks, and squares. 9. Job Market State and Opportunities for Future Growth In the current global economic climate, the job search process has become more complicated. With companies downsizing and job openings decreasing, the market is saturated with professionals vying for the same positions or even fewer opportunities. The situation varies across different countries due to local legislation and employer practices. Thoroughly researching the job market in your potential destination country is essential to assess the opportunities for future career growth. 10. Ease of Obtaining Citizenship or Visa Citizenship can be a fascinating bonus or a required condition during the job search and relocation process. Depending on the local laws, visa requirements, and other factors, it may be possible to obtain citizenship in the country of employment after a defined period of time. Review the relevant sections on immigration laws in the destination country to understand the requirements and possibilities. Bonus Point: Ecology Ecology might be a critical factor for individuals with specific medical conditions. While it generally receives less attention, factors such as air pollution, light pollution, and other environmental concerns can significantly impact quality of life. Depending on country legislation and local regulations, specific measures may be in place to enhance comfort, including waste sorting, strict requirements for personal transportation, and entry limitations in certain areas. Final Thoughts making the decision to move to another country is not always an easy one. It requires thorough preparation, such as interviews, contract signings, visa applications, and the actual move itself. If you find yourself facing a challenging decision and must consider multiple factors beforehand, I hope this article has provided you with valuable insights to aid in your decision-making process. In summary,

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On the topmost tier of the hotel verandah

THE SACRED BEETLE: THE GRUB, THE METAMORPHOSIS, THE HATCHING-CHAMBER

THE PEA-WEEVIL: THE EGGS

THE TRAVELLERS

Poor Folk by Fyodor Dostoyevsky, is part of the HackerNoon Books Series. You can jump to any chapter in this book here . August 5th August 5th. MY DARLING LITTLE BARBARA,—This is well, this is well, my angel! So you are of opinion that the fact that I have failed to obtain any money does not matter? Then I too am reassured, I too am happy on your account. Also, I am delighted to think that you are not going to desert your old friend, but intend to remain in your present lodgings. Indeed, my heart was overcharged with joy when I read in your letter those kindly words about myself, as well as a not wholly unmerited recognition of my sentiments. I say this not out of pride, but because now I know how much you love me to be thus solicitous for my feelings. How good to think that I may speak to you of them! You bid me, darling, not be faint-hearted. Indeed, there is no need for me to be so. Think, for instance, of the pair of shoes which I shall be wearing to the office tomorrow! The fact is that over-brooding proves the undoing of a man—his complete undoing. What has saved me is the fact that it is not for myself that I am grieving, that I am suffering, but for YOU. Nor would it matter to me in the least that I should have to walk through the bitter cold without an overcoat or boots—I could bear it, I could well endure it, for I am a simple man in my requirements; but the point is—what would people say, what would every envious and hostile tongue exclaim, when I was seen without an overcoat? It is for OTHER folk that one wears an overcoat and boots. In any case, therefore, I should have needed boots to maintain my name and reputation; to both of which my ragged footgear would otherwise have spelled ruin. Yes, it is so, my beloved, and you may believe an old man who has had many years of experience, and knows both the world and mankind, rather than a set of scribblers and daubers. But I have not yet told you in detail how things have gone with me today. During the morning I suffered as much agony of spirit as might have been experienced in a year. ‘Twas like this: First of all, I went out to call upon the gentleman of whom I have spoken. I started very early, before going to the office. Rain and sleet were falling, and I hugged myself in my greatcoat as I walked along. “Lord,” thought I, “pardon my offences, and send me fulfilment of all my desires;” and as I passed a church I crossed myself, repented of my sins, and reminded myself that I was unworthy to hold communication with the Lord God. Then I retired into myself, and tried to look at nothing; and so, walking without noticing the streets, I proceeded on my way. Everything had an empty air, and everyone whom I met looked careworn and preoccupied, and no wonder, for who would choose to walk abroad at such an early hour, and in such weather? Next a band of ragged workmen met me, and jostled me boorishly as they passed; upon which nervousness overtook me, and I felt uneasy, and tried hard not to think of the money that was my errand. Near the Voskresenski Bridge my feet began to ache with weariness, until I could hardly pull myself along; until presently I met with Ermolaev, a writer in our office, who, stepping aside, halted, and followed me with his eyes, as though to beg of me a glass of vodka. “Ah, friend,” thought I, “go YOU to your vodka, but what have I to do with such stuff?” Then, sadly weary, I halted for a moment’s rest, and thereafter dragged myself further on my way. Purposely I kept looking about me for something upon which to fasten my thoughts, with which to distract, to encourage myself; but there was nothing. Not a single idea could I connect with any given object, while, in addition, my appearance was so draggled that I felt utterly ashamed of it. At length I perceived from afar a gabled house that was built of yellow wood. This, I thought, must be the residence of the Monsieur Markov whom Emelia Ivanovitch had mentioned to me as ready to lend money on interest. Half unconscious of what I was doing, I asked a watchman if he could tell me to whom the house belonged; whereupon grudgingly, and as though he were vexed at something, the fellow muttered that it belonged to one Markov. Are ALL watchmen so unfeeling? Why did this one reply as he did? In any case I felt disagreeably impressed, for like always answers to like, and, no matter what position one is in, things invariably appear to correspond to it. Three times did I pass the house and walk the length of the street; until the further I walked, the worse became my state of mind. “No, never, never will he lend me anything!” I thought to myself, “He does not know me, and my affairs will seem to him ridiculous, and I shall cut a sorry figure. However, let fate decide for me. Only, let Heaven send that I do not afterwards repent me, and eat out my heart with remorse!” Softly I opened the wicket-gate. Horrors! A great ragged brute of a watch-dog came flying out at me, and foaming at the mouth, and nearly jumping out his skin! Curious is it to note what little, trivial incidents will nearly make a man crazy, and strike terror to his heart, and annihilate the firm purpose with which he has armed himself. At all events, I approached the house more dead than alive, and walked straight into another catastrophe. That is to say, not noticing the slipperiness of the threshold, I stumbled against an old woman who was filling milk-jugs from a pail, and sent the milk flying in every direction! The foolish old dame gave a start and a cry, and then demanded of me whither I had been coming, and what it was I wanted; after which she rated me soundly for my awkwardness. Always have I found something of the kind befall me when engaged on errands of this nature. It seems to be my destiny invariably to run into something. Upon that, the noise and the commotion brought out the mistress of the house—an old beldame of mean appearance. I addressed myself directly to her: “Does Monsieur Markov live here?” was my inquiry. “No,” she replied, and then stood looking at me civilly enough. “But what want you with him?” she continued; upon which I told her about Emelia Ivanovitch and the rest of the business. As soon as I had finished, she called her daughter—a barefooted girl in her teens—and told her to summon her father from upstairs. Meanwhile, I was shown into a room which contained several portraits of generals on the walls and was furnished with a sofa, a large table, and a few pots of mignonette and balsam. “Shall I, or shall I not (come weal, come woe) take myself off?” was my thought as I waited there. Ah, how I longed to run away! “Yes,” I continued, “I had better come again tomorrow, for the weather may then be better, and I shall not have upset the milk, and these generals will not be looking at me so fiercely.” In fact, I had actually begun to move towards the door when Monsieur Markov entered—a grey-headed man with thievish eyes, and clad in a dirty dressing-gown fastened with a belt. Greetings over, I stumbled out something about Emelia Ivanovitch and forty roubles, and then came to a dead halt, for his eyes told me that my errand had been futile. “No.” said he, “I have no money. Moreover, what security could you offer?” I admitted that I could offer none, but again added something about Emelia, as well as about my pressing needs. Markov heard me out, and then repeated that he had no money. “Ah,” thought I, “I might have known this—I might have foreseen it!” And, to tell the truth, Barbara, I could have wished that the earth had opened under my feet, so chilled did I feel as he said what he did, so numbed did my legs grow as shivers began to run down my back. Thus I remained gazing at him while he returned my gaze with a look which said, “Well now, my friend? Why do you not go since you have no further business to do here?” Somehow I felt conscience-stricken. “How is it that you are in such need of money?” was what he appeared to be asking; whereupon, I opened my mouth (anything rather than stand there to no purpose at all!) but found that he was not even listening. “I have no money,” again he said, “or I would lend you some with pleasure.” Several times I repeated that I myself possessed a little, and that I would repay any loan from him punctually, most punctually, and that he might charge me what interest he liked, since I would meet it without fail. Yes, at that moment I remembered our misfortunes, our necessities, and I remembered your half-rouble. “No,” said he, “I can lend you nothing without security,” and clinched his assurance with an oath, the robber! How I contrived to leave the house and, passing through Viborskaia Street, to reach the Voskresenski Bridge I do not know. I only remember that I felt terribly weary, cold, and starved, and that it was ten o’clock before I reached the office. Arriving, I tried to clean myself up a little, but Sniegirev, the porter, said that it was impossible for me to do so, and that I should only spoil the brush, which belonged to the Government. Thus, my darling, do such fellows rate me lower than the mat on which they wipe their boots! What is it that will most surely break me? It is not the want of money, but the LITTLE worries of life—these whisperings and nods and jeers. Any day his Excellency himself may round upon me. Ah, dearest, my golden days are gone. Today I have spent in reading your letters through; and the reading of them has made me sad. Goodbye, my own, and may the Lord watch over you! M. DIEVUSHKIN. P.S.—To conceal my sorrow I would have written this letter half jestingly; but, the faculty of jesting has not been given me. My one desire, however, is to afford you pleasure. Soon I will come and see you, dearest. Without fail I will come and see you. About HackerNoon Book Series: We bring you the most important technical, scientific, and insightful public domain books. This book is part of the public domain. Fyodor Dostoyevsky (2000). Poor Folk. Urbana, Illinois: Project Gutenberg. Retrieved October https://www.gutenberg.org/cache/epub/2302/pg2302-images.html This eBook is for the use of anyone anywhere at no cost and with almost no restrictions whatsoever. You may copy it, give it away or re-use it under the terms of the Project Gutenberg License included with this eBook or online at www.gutenberg.org , located at https://www.gutenberg.org/policy/license.html .

MY DARLING LITTLE BARBARA,—This is well, this is well, my angel! 

The fast-paced world of crypto is witnessing a new narrative emerging after the revolutionary concepts of , , or . NFTs DeFi Metaverse (RWA), physical assets tokenized and transferred on-chain, are becoming the missing link that unlocks the true potential of DeFi, bridging the gap between digital and physical assets. Real-World Assets RWAs offer a transformative vision for DeFi by providing a sustainable and reliable source of yield backed by traditional assets such as real estate, precious metals, commodities, and art. Tokenizing these assets and incorporating them into the DeFi ecosystem empowers investors with access to a broad range of investment opportunities and diversification previously limited to TradFi. The integration of RWAs marks a paradigm shift in DeFi that fosters liquidity, capital efficiency, and opens doors to new investment possibilities. Pioneering platforms like (MPL), (GFI), (RIO), (CFG), and (BST) are leading the path in the integration of Real-World Assets (RWA) within DeFi. Maple Finance Goldfinch Realio Centrifuge Blocksquare These platforms are revolutionizing the financial landscape by tokenizing real-world assets and unlocking their potential within the decentralized ecosystem. Among the various sectors where RWAs can make a significant impact, there is one sector, that stands out as an ideal use case for RWAs - . the energy sector With its vast physical energy assets, such as electric energy itself, renewable energy projects, or carbon-neutral bitcoin mining, the energy sector offers immense opportunities to tokenize and trade assets on the blockchain. RWAs in this sector could help DeFi to gain access to a trillion-dollar market whilst shaping the future of finance. I. The Rise of RWAs: Unlocking Tangible Value In the dynamic world of (DeFi), (RWAs) are transforming the digital landscape by introducing tangible value. decentralized finance Real-World Assets RWAs encompass a range of assets, including real estate, securities, commodities, and energy resources, tokenized to bridge the physical-digital divide. By tokenizing real-world assets, RWAs offer enhanced liquidity, fractional ownership, and diversified investment opportunities previously confined to traditional finance. This convergence between traditional finance and DeFi fosters compatibility, increased liquidity, and capital efficiency. Among the various sectors ripe for RWAs, shines as an ideal use case. With vast physical energy assets like power plants and renewable energy projects, the sector presents immense opportunities to tokenize and trade energy assets on the blockchain. the energy sector Integrating the energy sector into RWAs grants DeFi access to a trillion-dollar market, propelling the narrative of RWAs as a significant trend in crypto. RWAs represent a paradigm shift in finance, infusing tangible value into the decentralized ecosystem. Through increased liquidity, reduced costs, and improved transparency, RWAs revolutionize investment, trading, and market participation. The integration of traditional finance and DeFi via RWAs sets the stage for a future where finance is redefined by the seamless blending of physical and digital realms. II. Exploring Sector-Specific RWAs: Promising Real-World Asset Projects: Various sectors are leveraging Real-World Assets (RWAs) to unlock tangible value within the decentralized finance (DeFi) ecosystem. Let's explore some notable RWA projects and their contributions to specific industries: : Collateralizing RWAs worth over $680 million to back their DAI stablecoin, MakerDAO has partnered with Monetalis Group, Huntingdon Valley Bank, and Societe Generale, pioneering the incorporation of RWAs in the credit aspect of DeFi. MakerDAO : As an on-chain ecosystem for structured credit, Centrifuge has financed $298 million in total assets, integrating $220 million of RWAs on MakerDAO. Their decentralized application (dApp) called Tinlake enables asset originators to tokenize real-world assets as NFTs, offering lenders attractive investment opportunities. Centrifuge : With over $100 million in active loan value, Goldfinch focuses on lending to real-world businesses, particularly those in emerging markets. By providing junior and senior tranches for assets, Goldfinch offers attractive yields and creates lending pools for borrowers and investors. Goldfinch : A decentralized credit marketplace that connects vetted institutions, utilizing a staking oracle to determine interest rates. Their platform facilitates secure and transparent lending between trusted parties. Clearpool : Maple has issued nearly $2 billion in total loans, expanding beyond traditional credit to receivables financing, US treasuries, and insurance refinancing. By providing institutional borrowers access to DeFi loans, Maple Finance bridges the gap between traditional finance and DeFi. Maple Finance : Energy Web is a prominent organization in the blockchain sector, focused on advancing sustainable energy solutions. They drive innovation and collaboration to enable the integration of renewable energy sources, foster decarbonization efforts, and promote the transition to a cleaner and more sustainable energy future. Energy Web They revolutionize the blockchain industry with Green Proofs, a transparent certification system that incentivizes eco-friendly miners and promotes sustainable energy sources for mining Bitcoin. These projects exemplify the successful integration of RWAs into the DeFi landscape, catering to various sectors such as credit, structured finance, and institutional lending. Each project brings innovative approaches and contributes to unlocking tangible value in their respective industries, reshaping the future of finance within the DeFi ecosystem. III. The Energy Sector: A Perfect Fit for RWA Adoption is an ideal fit for Real-World Asset (RWA) adoption, addressing challenges like infrastructure maintenance, funding constraints, and transitioning to renewable sources. The energy sector Tokenizing energy assets, such as solar farms or wind turbines, enables fractional ownership, and simplifies trading. Peer-to-peer energy trading empowers consumers and promotes renewable energy consumption. By democratizing access to the sector, RWAs attract more investment, fuel innovation, and facilitate the transition to a sustainable energy future. Additionally, RWAs can track PoW miners and provide them with green-proof credentials, ensuring environmentally responsible practices. IV. Conclusion In conclusion, the rise of (RWAs) in the crypto industry is imminent. These assets offer a unique bridge between the physical and digital realms, providing individuals with opportunities to invest in tangible assets using blockchain technology. Real-World Assets Within , Energy Web leads the way by tokenizing renewable energy assets, enabling wider participation and investment in sustainable sources. RWAs also facilitate peer-to-peer energy trading, empowering consumers and promoting energy autonomy. the energy sector Another strong use case could be tracking Bitcoin (or PoW in general) miners and providing them with green-proof credentials, ensuring environmentally responsible practices leading to carbon neutrality. However, the realization of RWAs' full potential requires collaboration, regulatory support, and user-friendly solutions. By embracing RWAs, the crypto industry can create an inclusive financial ecosystem, merging traditional and digital economies for a transparent, efficient, and sustainable future in decentralized finance.

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