<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[RSS Feed]]></title><description><![CDATA[RSS Feed]]></description><link>http://direct.ecency.com</link><image><url>http://direct.ecency.com/logo512.png</url><title>RSS Feed</title><link>http://direct.ecency.com</link></image><generator>RSS for Node</generator><lastBuildDate>Mon, 06 Apr 2026 20:09:41 GMT</lastBuildDate><atom:link href="http://direct.ecency.com/@lighttorch/rss" rel="self" type="application/rss+xml"/><item><title><![CDATA[Five Talent Series: Talent 3d Do Not Cross a Broken Bridge]]></title><description><![CDATA[The Bridge to Self-Discovery In our journey through the very import Talent 3 of investing we have touched on the Net Worth Statement in Your Net Worth Should be a Blessing Not A Curse and The Wealth Management]]></description><link>http://direct.ecency.com/life/@lighttorch/five-talent-series-talent-3d-do-not-cross-broken-bridges</link><guid isPermaLink="true">http://direct.ecency.com/life/@lighttorch/five-talent-series-talent-3d-do-not-cross-broken-bridges</guid><category><![CDATA[life]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Fri, 22 Jun 2018 19:28:45 GMT</pubDate><enclosure url="https://images.ecency.com/p/LcTxR7u1XKaa3e4T1EBuBP18JezPvjFFo8gNuE9CiKHBn4K7yDVLgpwsbqRpraniajYNfTsKNdef7n1bUPTD2X38om4hYwGQCGt8vKPu6KPBMwPpm1GxmUE1u7yzAsszauBLQZ9ViHt3Yos34VswJT3D8?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Five Talent Series: Talent 3c Master Your Constraints to Free Your Restraints]]></title><description><![CDATA[Purify Your Goals So Far in the Five Talent Series: Talent 3 Investing we have looked at the Net Worth Statement in Your Net Worth Should be a Blessing Not A Curse and Your Wealth Management Process. In]]></description><link>http://direct.ecency.com/life/@lighttorch/five-talent-series-talent-3c-master-your-constraints-to-free-your-restraints</link><guid isPermaLink="true">http://direct.ecency.com/life/@lighttorch/five-talent-series-talent-3c-master-your-constraints-to-free-your-restraints</guid><category><![CDATA[life]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Thu, 07 Jun 2018 01:12:03 GMT</pubDate><enclosure url="https://images.ecency.com/p/D5zH9SyxCKd9GJ4T6rkBdeqZw1coQAaQyCUzUF4FozBvW7JEYwJgxwuN3UA96rooBvoCR4x3iMYgW4hRgFinwMTJVnDgh2oJGudMiBh3SvFQ8qDUtPjAvh6bJmGpSWzP1ULoZ8?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Five Talent Series: Talent 3b Your Wealth Management Process]]></title><description><![CDATA[Reflection Leads To Perfection In my previous post Your Your Net Worth Should be a Blessing Not A Curse we went through the net worth statement and went over some best practice to help the community use]]></description><link>http://direct.ecency.com/life/@lighttorch/five-talent-series-talent-3b-managing-your-wealth-management-process</link><guid isPermaLink="true">http://direct.ecency.com/life/@lighttorch/five-talent-series-talent-3b-managing-your-wealth-management-process</guid><category><![CDATA[life]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Fri, 01 Jun 2018 01:25:12 GMT</pubDate><enclosure url="https://images.ecency.com/p/6pu4ZRycQdDVScudzd6MCPSXks2Yb5eBsm266mkDh4Ym6FWhfQyM4LSsuDASNULKDBiRKyLjABTmKSwEBiqpa6my4dKTgL6AoyjfZn9EirDVAGzhovL8s1jXeDnzAUcHx29qQG5jUYPnxgFMNC6PeHn8w6NWsWa4eKimkWUbcJtN8B9ciGCgVoEMhuUrcL9MbgmEE?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Five Talent Series: Talent 3a Your Net Worth Should be a Blessing Not A Curse]]></title><description><![CDATA[You Have to Cast a Net to Catch Your Worth As we have seen in our last 3 posts covering Talent 2 Cash Management, Your Cash Flow is King and Let Your Savings Grow proper cash flow management and organization]]></description><link>http://direct.ecency.com/life/@lighttorch/five-talent-series-talent-3a-your-net-worth-should-be-a-blessing-not-a-curse</link><guid isPermaLink="true">http://direct.ecency.com/life/@lighttorch/five-talent-series-talent-3a-your-net-worth-should-be-a-blessing-not-a-curse</guid><category><![CDATA[life]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Wed, 30 May 2018 01:44:09 GMT</pubDate><enclosure url="https://images.ecency.com/p/gPCasciUWmEwHnsXKML7xF4NE4zxEVyvENsPKp9LmDaFv4XVfncZ45wViHJWLKBRm1WR8P7DEr39HTXq7bEyywgNcoaseSNYb6wTFh6PLRdUT74gTPtTCCJD1ggvR64SC5pgvU1ZwzPow5rxxE?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Five Talent Series: Talent 2c Let Your Savings Grow]]></title><description><![CDATA[If the Cash Flows Your Savings Will Grow In my first post for Talent 2 Talent 2a Cash Management we looked at some strategies for increasing income and cutting expenses at a higher level. This naturally]]></description><link>http://direct.ecency.com/life/@lighttorch/five-talent-series-talent-2c-let-your-savings-grow</link><guid isPermaLink="true">http://direct.ecency.com/life/@lighttorch/five-talent-series-talent-2c-let-your-savings-grow</guid><category><![CDATA[life]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Sun, 27 May 2018 00:53:54 GMT</pubDate><enclosure url="https://images.ecency.com/p/LcTxR7u1XKaa3e4T1EBuBP18JezPvjFFo8gNuE9CiKHBn616SkBsuLKHYWMX1iwasDPZqaFsXMr1bBbBSXCUJmy5KdoSyhGsPN7WaRByAzaUew45jSnyRaq9TmfZgDTHLUtWqSLcSKtbh1L72tbafaoSW?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The Five Talents Series:  Talent 2b Your Cash Flow is King]]></title><description><![CDATA[Flow is Key In this installment of our Five Talents Series we will go over the Cash Flow Statement Template and provide the community with an example of a completed cash flow statement. For a quick]]></description><link>http://direct.ecency.com/life/@lighttorch/the-five-talents-series-your-cash-flow-is-king</link><guid isPermaLink="true">http://direct.ecency.com/life/@lighttorch/the-five-talents-series-your-cash-flow-is-king</guid><category><![CDATA[life]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Fri, 25 May 2018 00:27:00 GMT</pubDate><enclosure url="https://images.ecency.com/p/JvFFVmatwWHRfvmtd53nmEJ94xpKydwmbSC5H5svBACH7yk1KMaf759RNVh6atQMkPaM9oQZ86GQkSUBrJg9jADFv3u8fNpULKKP8hF9mrMaW8hwJiQV2oJnVeMdwLZacbjfmoTeZ4?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The Five Talents Series: Talent 2a Cash Management]]></title><description><![CDATA[Your Cash Can Be Managed For all you first time followers I recommend that you take a look at the introduction to this series HERE for a broader overview. In this post we will be discussing cash management]]></description><link>http://direct.ecency.com/life/@lighttorch/talent-2-cash-management-part-1</link><guid isPermaLink="true">http://direct.ecency.com/life/@lighttorch/talent-2-cash-management-part-1</guid><category><![CDATA[life]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Thu, 24 May 2018 00:24:15 GMT</pubDate><enclosure url="https://images.ecency.com/p/54TLbcUcnRm3sWQK3HKkuAMedF1JSX7yKgEqYjnyTKPwrcYcbUhZdz8c1FWRA6c3SMVXPoYzfu1QxT3zU2jR3VJsqa4dv8v6YCbPx8xZ1SFAohg4oXSGE6X61YPqN35KmSi34CgP8?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The Five Talent Series: Talent 1 Your Mental State Does Matter]]></title><description><![CDATA[Narrow Road When deciding how to open this series it became clear that there were several different routes possible. If a person’s mental state related to their money and life in general are out of order,]]></description><link>http://direct.ecency.com/life/@lighttorch/the-five-talent-series-part-1-your-mental-state-does-matter</link><guid isPermaLink="true">http://direct.ecency.com/life/@lighttorch/the-five-talent-series-part-1-your-mental-state-does-matter</guid><category><![CDATA[life]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Tue, 22 May 2018 21:24:03 GMT</pubDate><enclosure url="https://images.ecency.com/p/99pyU5Ga1kws91ecJjkANAzfstp5ietJ4ACvk9NVNZo9guv1Y8VcAiK91GDKgr5TcLUiFJ17yvHDDZtxMpREZQo6Z9naRb6koiE35nmWGdTuBwE2yfvdCJH8VNb2r4DDkA?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Five Talent Financial Series: Introduction]]></title><description><![CDATA[Share my Talents With You Over the next several posts I will be presenting a mentoring series on money management and what I have come to understand over my banking career as the 5 principle talents to]]></description><link>http://direct.ecency.com/life/@lighttorch/five-talent-financial-series-introduction</link><guid isPermaLink="true">http://direct.ecency.com/life/@lighttorch/five-talent-financial-series-introduction</guid><category><![CDATA[life]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Tue, 22 May 2018 01:25:03 GMT</pubDate><enclosure url="https://images.ecency.com/p/vM1pGHgNcyCiaxZmdb555hkjecmqomntNdRp7jg9vBPYLvnZBDJKqj4gtZ7dH4QdoSKwFD9H43V23C6Siuno978aD8kPcY2YbNSUaovbnr7ivMHrfnuJjaUihDZFSJC9HkiwLbg?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Entrepreneurship:  Navigating Project Selection and Execution]]></title><description><![CDATA[My Approach I wanted touch on a more technical topic today then related to how as an entrepreneur I undertake navigating and choosing the right business project. In this industry it seems that everyone]]></description><link>http://direct.ecency.com/life/@lighttorch/entrepreneurship-navigating-project-selection-and-execution</link><guid isPermaLink="true">http://direct.ecency.com/life/@lighttorch/entrepreneurship-navigating-project-selection-and-execution</guid><category><![CDATA[life]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Sat, 19 May 2018 03:06:30 GMT</pubDate><enclosure url="https://images.ecency.com/p/gPCasciUWmF5VZucjWuzmpXUomGMznGBossB7LD36Th7zcYPyBZ6ecYVPJT1MDEUmk2zd9R7hnNhRPDY8eX8YTqq1x4aUNRhCKX1E9fDrgsjNKSzGEJaZWiJu5xbd9syqfvTRMB4TznLRn8Tev?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Offshore Banking: The Origins of Transactional Privacy]]></title><description><![CDATA[Introducing the Obstacle The transformation of the offshore banking business over the last 5-10 year has been remarkable. Many of the traditional freedoms that were sought by individual and corporate entities]]></description><link>http://direct.ecency.com/blog/@lighttorch/offshore-banking-the-origins-of-transactional-privacy</link><guid isPermaLink="true">http://direct.ecency.com/blog/@lighttorch/offshore-banking-the-origins-of-transactional-privacy</guid><category><![CDATA[blog]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Fri, 18 May 2018 01:18:27 GMT</pubDate><enclosure url="https://images.ecency.com/p/JvFFVmatwWHVQPjDcGkFxELgGtwNAntRtiqDuEyyAwgwSvgwmo3D6ecQGFg6EWHgEQQRkzCVLHyvcnLDduWg29GMp7PvCeGhKT7kZuuZA73BPYFDukWx6FGQYvNdQJNyg3M5BdmPXc?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Steemit: Vision, Values and Policies]]></title><description><![CDATA[Good Values are Hard to Keep I wanted to switch gears a bit a touch on the topic of community behavioral norms, and how they shape the organizations which they operate within. Although this is directly]]></description><link>http://direct.ecency.com/life/@lighttorch/steemit-vision-values-and-policies</link><guid isPermaLink="true">http://direct.ecency.com/life/@lighttorch/steemit-vision-values-and-policies</guid><category><![CDATA[life]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Thu, 17 May 2018 01:52:06 GMT</pubDate><enclosure url="https://images.ecency.com/p/TZjG7hXReeVthqpTJZmwvzsLcvMeG4TU4Gjdfy25rZp7AoEszuVvP2qWhB69JfK6v4jFbHaMwQnKsKq8hzwTDtP8CqAnGBoUs3sGZcKVFfoydnhaoeoFkzJ5Sxhq1xxqpLfLqbZBgDoKvE?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The Full Reserve Bank, The Alternative Asset Clearing and Settlement System Part 3]]></title><description><![CDATA[A Deeper Look Impact that the distributed ledger technology (DLT) has had on the broader banking world is very significant as the transactional nature of this new technology will improve decentralization,]]></description><link>http://direct.ecency.com/blog/@lighttorch/the-full-reserve-bank-the-alternative-asset-clearing-and-settlement-system-part-3</link><guid isPermaLink="true">http://direct.ecency.com/blog/@lighttorch/the-full-reserve-bank-the-alternative-asset-clearing-and-settlement-system-part-3</guid><category><![CDATA[blog]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Wed, 16 May 2018 01:27:36 GMT</pubDate><enclosure url="https://images.ecency.com/p/2r8F9rTBenJR3iqPxDrevHK3vDeQGnHc8Wj8C8neh4gPm5HbLtKxeKuu9mg3ag7GH6k4a68RZjk5W3UvabBS1D6tZpvMNvm6MEY6JFKp4Myz4mwDWPmZxyj4zQ3goTG9k?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The Alternative Asset Clearing and Settlement System Part Two: The Transparent Asset Liquidity Settlement and Storage System (TALSSS).]]></title><description><![CDATA[Liquidity Must Flow In my previous Blog MasterCard's Payment Pain: A Regulatory Nightmare I discussed how the MasterCard payment system is reacting to the new regulatory environment post Great Recession.]]></description><link>http://direct.ecency.com/blog/@lighttorch/the-alternative-asset-clearing-and-settlement-system-part-two-the-transparent-asset-liquidity-settlement-and-storage-system</link><guid isPermaLink="true">http://direct.ecency.com/blog/@lighttorch/the-alternative-asset-clearing-and-settlement-system-part-two-the-transparent-asset-liquidity-settlement-and-storage-system</guid><category><![CDATA[blog]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Mon, 14 May 2018 23:49:12 GMT</pubDate><enclosure url="https://images.ecency.com/p/7258xSVeJbKnFEnBwjKLhL15SoynbgJKpQxRd1uovwPrAcCSbfciRqywrfKV2F6LLqxc6trCAugYzkKUEnq1E4CTreDNKMHJQ7aTVnAu15iHqxkqEGXzJZkSDGpjt635up7UBJiiFN7Jn?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The Banker’s Distributed Ledger,  An Alternative Asset Clearing and Settlement System]]></title><description><![CDATA[What You Don't Know Can Hurt You! I am often struck by the general lack of knowledge that the investing public has in relationship to the current clearing and settlement systems used by their financial]]></description><link>http://direct.ecency.com/blog/@lighttorch/the-banker-s-distributed-ledger-an-alternative-asset-clearing-and-settlement-system</link><guid isPermaLink="true">http://direct.ecency.com/blog/@lighttorch/the-banker-s-distributed-ledger-an-alternative-asset-clearing-and-settlement-system</guid><category><![CDATA[blog]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Fri, 11 May 2018 20:30:45 GMT</pubDate><enclosure url="https://images.ecency.com/p/2dk2RRM2dZ8gbkvz1yNBypLpwUHBnasMpK1zSCzdBvESXJh2oZxJRrunCgj8xChtxU9pwEenUPnzxgpQcW9Vmyx8h8uF66rPzb3pUpPsS1eNHqmrh6xiHWK7enzoyQxLmCaGX9HZHhULovmcECcCPfYJRxy4gViSi8rL5kP7HG?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The Cash Flow Project,  Can Crypto and Cash be a Couple]]></title><description><![CDATA[Cash Is King I often hear the chorus of commentators proclaim that the Cashless society is here and that digital technologies will replace the need for holding cash. I like to remind them that there is]]></description><link>http://direct.ecency.com/blog/@lighttorch/the-cash-flow-project-can-crypto-and-cash-be-a-couple</link><guid isPermaLink="true">http://direct.ecency.com/blog/@lighttorch/the-cash-flow-project-can-crypto-and-cash-be-a-couple</guid><category><![CDATA[blog]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Fri, 11 May 2018 01:22:30 GMT</pubDate><enclosure url="https://images.ecency.com/p/9vWp6aU4y8kyJM9JABQLS7EhjmU3VVqJQJsLWXdiEbiofMomY4KoDqAQTpG5Rbnz1UF4iaEnAUr7MWdAwwWGSWU6gVMr2hfeB8ByrNuZ9iEypt7CvfbaFkXySqLnky7gMWhSzVSUACHcCUKok?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Argentina's Currency Crisis,  It Rains on the Just and the Unjust Alike.]]></title><description><![CDATA[Have you ever force yourself to stop just for a moment and appreciate the immense prosperity you have been endowed with to enjoy and preserve and share with all those that are along for the journey with]]></description><link>http://direct.ecency.com/blog/@lighttorch/argentina-s-currency-crisis-it-rains-on-the-just-and-the-unjust-alike</link><guid isPermaLink="true">http://direct.ecency.com/blog/@lighttorch/argentina-s-currency-crisis-it-rains-on-the-just-and-the-unjust-alike</guid><category><![CDATA[blog]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Thu, 10 May 2018 01:56:06 GMT</pubDate><enclosure url="https://images.ecency.com/p/TZjG7hXReeVthqpTJZmwvzsLcvMeG4TU4Gjdfy25u9yPmZP2Tv3MXtL2hLgbtd323wHZ6uAMzis2B27hAXo9ykDLWpxVzMEyqJadpyNKiLftzoS5ewbkTZ73RWhbu89nHP8DwruFEAnfXC?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The Regulatory Shakedown: The Small and Medium Sized Banking Kryptonite]]></title><description><![CDATA[Trust Can be Decentralized The current central banking system is composed of largely overweight financial institution that rely on specific revenue stream to ensure their continued survival. The whole]]></description><link>http://direct.ecency.com/blog/@lighttorch/the-regulatory-shakedown-the-small-and-medium-sized-banking-kryptonite</link><guid isPermaLink="true">http://direct.ecency.com/blog/@lighttorch/the-regulatory-shakedown-the-small-and-medium-sized-banking-kryptonite</guid><category><![CDATA[blog]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Wed, 09 May 2018 01:11:15 GMT</pubDate><enclosure url="https://images.ecency.com/p/W5LtFUPm6g774G2LPx8CTVHrbGQ778Sw45DBMcdCq1Mm8X4jGJ9Pr2XghVwZUk7Ma4zkwGZ5AaYQvmPLTLfEPdqUEoymF1WzPifCpcLkgvLQuyt6ugRx4oWR86q45GTTqx7XGMdhaNwrBfzYixXkc1HTUSUbG?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Bitcoin is Money and Much More Buffet]]></title><description><![CDATA[Bad News Likes to Travel in Packs With the current round of negative market news making its rounds through the Press it is no surprise that the bitcoin bears have been rearing their ugly heads as of late.]]></description><link>http://direct.ecency.com/blog/@lighttorch/bitcoin-is-money-and-much-more-buffet</link><guid isPermaLink="true">http://direct.ecency.com/blog/@lighttorch/bitcoin-is-money-and-much-more-buffet</guid><category><![CDATA[blog]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Tue, 08 May 2018 02:24:45 GMT</pubDate><enclosure url="https://images.ecency.com/p/32FTXiZsHoAWXDGUT6XfPTLRBbYW7TUFpRSTArzFnWCEeL1kxx8ZsfSXgsjXbfu6R3muteJ9GttAQRDAxHGESFkP5n9GCSVLtRmHb4oMjrhVRKtTMtUmeU14LeuD6cEPxkTVpYpxSz25nKQ2?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Coinbase's Twitter Trouble: Has Silicon Valley's Culture Gone Wrong.]]></title><description><![CDATA[The recent hiring by Coinbase of the former Vice President of Operations and User Services at Twitter Tina Bhatnagar on the surface offers a rosy story of talent acquisition in the face of the immense]]></description><link>http://direct.ecency.com/steemit/@lighttorch/coinbase-s-twitter-trouble-has-silicon-valley-s-culture-gone-wrong</link><guid isPermaLink="true">http://direct.ecency.com/steemit/@lighttorch/coinbase-s-twitter-trouble-has-silicon-valley-s-culture-gone-wrong</guid><category><![CDATA[steemit]]></category><dc:creator><![CDATA[lighttorch]]></dc:creator><pubDate>Mon, 07 May 2018 02:09:42 GMT</pubDate><enclosure url="https://images.ecency.com/p/LcTxR7u1XKae8Zaj594qUJafNyNSBw9svATPAkZ7wov9fHgjmUy7Eo6b61sR3JEm32VET8xdqkhCGKJc3fM9yawfLYqT6s4UhaXXu4VDUzXLVsJvjoZ7BjAanhrCK5zHwAvA9R2vS9XTbstnkMAijaEbx?format=match&amp;mode=fit" length="0" type="false"/></item></channel></rss>