Personal Value vs. Market Value

"Designers try new designs because they believe they will gain some advantage - some value - from a new artifact. The ability to visualize alternate states of the world and to seek more advantages ones is a universal human characteristic. But the nature of the advantage sought depends on the type of economy in which the designer dwells."

The Role of Markets In Modular-Finance

"In economies that lack markets, individual calculations of value are necessarily imprecise, and exchanges of goods and services are generally inefficient Markets offer two important benefits. First, they centralize and simplify trade, thereby reducing the cost of exchange, and increasing the rewards to the designers of new artifacts. Second, they give designers a valuation technology, that is, an easier way to calculate the values that others will place on a new design for an artifact."

The Complexity Conspiracy...

This is great, via @ritholtz pic.twitter.com/tdy4pvvK8H
— Downtown Josh Brown (@ReformedBroker) April 13, 2015

Capitalism 4.1 -

Age of Liquid Modernity
Capitalism 4.1

New Tools (the way you think is a Tool) Tools for thinking

The Truth - Higher Ground - Lies up Mountain #2

The Future of Finance is on Mountain #2...

To Climb this mountain will require a New tool kit.....of StreetSmarts, Worldy Wisdom and Integrative Thinking...


Many of these ideas are being sprinkled on top to give it a new look but it's still the same flavor...

The Opportunity lies in Innovation (scaleable Learning) not Scalable Efficiency

do you want a cheaper car or a better car....

The Current Disruptive Innovation in Wealth management ...

is simply moving from ripping people off to building a more "honest" system... We did this 20 Years Ago...


it hasn't even begun to evolve to the next level...

You can use technology to repackage old ideas ...or...

....you can use it to bring news ideas &  possibilities to Life...We have chosen to do the Later...

The ModularWorld & Modular-Finance ....

...is based on the notion that the future is on Mountain #2....