The apprehension about bitcoin was raised by Futures Industry Association chief Walt Lukken, in a letter to United States Commodity Futures Trading Commission chairman Christopher Giancarlo. The association and its member firms, Mr Lukken wrote, "are apprehensive with the lack of transparency and regulation of the underlying reference products on which these futures contracts are based and whether exchanges have the proper oversight to ensure the reference products are not susceptible to manipulation, fraud and operational risk

Count your blessings. First and foremost, being grateful—not just for possessions, but also for the people, places and simple pleasures in life—is good for the soul. But an attitude of gratitude is also a proven antidote to impulse purchasing because it creates a sense of abundance within the individual. When you’re feeling full of gratitude, you’re less likely to subconsciously try to fill emotional holes by treating yourself with gifts and accumulating more stuff.

"As we’ve just discussed, as much as honesty can hurt, it can also be kind. In order to maximize the kindness and minimize the hurt, it is important to consider when the right moment for honesty is.

When a friend has just broken up with their partner, for instance, you might wish to tell them how much better they could do or how it was a disaster waiting to happen, but this is certainly not the right time for honesty."