Japanese garden

 

                                                              Aquarelle  By A.W

Banks are overwhelmed by the current financial world.

The last half-century has transformed life from top to bottom: the economy, finance, education, instruction, fashion, the way of living, and last but not least, politeness. 

My grandfather, being a fruit grower, would be surprised to see an industrial, firm, and treated apple on my table. Just as pharmacists cannot control how clients use sometimes dangerous medications, bankers, even aided by AI, cannot prevent their clients from risking their assets in games of chance and casinos. 

Ideally, a household should divide its income into three parts: daily needs, pleasures, and savings. It is essential that banking institutions evolve in order to integrate new investment methods and rapid international transfers and be aware of their competitors among alternative banks. The speed of transactions and the growing demand for anonymous payments should be taken into account. Financial securities, metals, energy, and consumer goods experience significant volatility, which can fluctuate within seconds or hours. Global events, particularly conflicts, have a direct impact on the global economy. Investors must be able to adjust their positions at any time through instant operations, a service that should be accessible to both banks and their clients, to grow its money and manage unforeseen events such as serious illnesses or natural disasters.

Furthermore, it should be noted that many debts and transactions, including those involving institutional players, are carried out via blockchain, P2P, or digital gift cards. Although these processes are known for their confidentiality, they are traceable: each transaction is permanently recorded on the blockchain. There is also a noticeable lack of mastery of new financial practices among some bank employees, including in reputable institutions. For example, knowledge of essential documents such as the bank statement can sometimes be lacking.

Finally, the growing popularity of instant payment systems like MoneyGram and Ria meets the need to quickly send money to relatives living abroad, particularly students. In the era of cryptocurrencies, it is crucial that traditional banks recognize the increased competition from multifunctional institutions offering a variety of services in investment, instant international exchange, and alternative assets (currencies, precious metals, commodities, and real estate).

Banks and their employees struggle to keep up with the rapid evolution of the financial world. Over the past fifty years, all areas of life have been transformed, including personal finance management and access to banking products. Institutions must now adapt to new technologies, such as instant transfers, alternative banks, or anonymous payments via blockchain and gift cards. The volatility of values and the emergence of new investment tools demand increased responsiveness from both clients and banks, who often fail to keep up with these changes. The lack of technical knowledge in some employees and the competition from multifunctional platforms show that it is urgent for traditional institutions to modernize in the face of the diversity and speed of current needs.

My main intention is to contribute to clarifying an essential aspect of the transformation of the financial sector and to shed light on the major changes affecting this field today in order to promote a better understanding and to encourage reflection on current issues.

 The scope of LOVE

Love, this emotion that is both enigmatic and universal, structures human existence in all its aspects. Omnipresent in literary, philosophical, and sociological fields as well as in daily interactions, it proves to be a fundamental driving force of life in society. Its intrinsic meaning and tangible impact nevertheless often give rise to questions and divergent interpretations. This reflection examines the scope of love, not only as an emotion but also as an organising, regulating, and generative force within human societies. Love, in its many expressions, constitutes an essential foundation of the human condition. From the very first moments of life, the emotional bond established between the child and their attachment figures ensures their survival, emotional balance, and development. This fundamental bond fosters trust, a sense of security, and the ability to open to others. From an anthropological perspective, the different forms of love—familial, friendly, or romantic—have historically promoted the organisation and cohesion of human groups by encouraging solidarity, cooperation, and the transmission of knowledge.

Family love represents the initial experience of affection and support. It is expressed through everyday gestures, encouragements, tenderness, and sometimes even conflicts, all of which reflect a deep bond between members of the same household. This form of love is crucial for personality development and the integration of values such as respect, kindness, and empathy. Friendship also relies on love—a love without a romantic dimension but based on trust, sharing, and complicity. Friends often make up a chosen family, a circle where one can be authentic and share both joys and sorrows without fear of judgement. Friendly love represents constant support, offering comfort in adversity and enriching moments of happiness.

Many works of art, literature, music, poetry, and even some scientific discoveries find their source in a loving inspiration. Love stimulates the imagination, nourishes ambition, and gives meaning to existence. Guided by passion, artists explore beauty and suffering, joy and loss, producing creations that resonate with the universality of human experience, where one can be authentic and express both joys and sorrows without fear of judgement.

In social share, love also encourages collective engagement. Love of justice, peace, or nature drives many individuals to invest themselves in common causes, to defend human rights, protect the environment, or help others. This is then an expanded form of love, which transcends personal relationships to embrace humanity, or even all living beings. In the face of challenges, love is an inexhaustible source of comfort. Whether it is a failure, an illness, mourning, or a social crisis, the caring presence of loved ones or friends can transform suffering into hope. Communities united by love for others are better able to overcome difficulties and rebuild after a trial.

In the contemporary context, where isolation, uncertainty, and individualism weaken social bonds, love appears as a remedy for loneliness and distress. It is also important to emphasise the significance of self-love, a component often neglected but essential for overall well-being. Learning to love oneself, to accept one’s imperfections, and to cultivate kindness toward oneself forms the foundation for harmonious relationships with others. Self-esteem nurtured by love allows one to set healthy boundaries, assert oneself, and grow with confidence. In a world where competition and mistrust seem to prevail, love remains the indispensable cement for social stability. It promotes mutual aid and dialogue. In the professional sphere, it is expressed through respect, listening, and recognition of work accomplished. Within institutions, the love of public service, empathy toward the most vulnerable, and the desire to build a shared future guide decisions and inspire collective action.

Some philosophies and spiritualities, such as Christianity with agape, Buddhism with compassion, or modern humanism, place universal love at the centre of their worldview. This unconditional love invites recognising the dignity of every being, transcending differences, and working for peace. From this perspective, love becomes an ideal, a horizon to strive for, and a moral compass guiding individual and collective choices. However, it would be naïve to view love in an exclusively idealised light. It confronts everyone with the fear of rejection, jealousy, dependency, or suffering. Romantic, family, or friendly relationships go through crises, breakups, and betrayals. Learning to love also involves learning to forgive, to grow through differences, and to build harmony despite life’s vicissitudes. True love requires courage, patience, and humility.

Today, love is being reinvented through social networks, dating apps, and new modes of communication. While the tools make connections easier, they also raise challenges in terms of authenticity, superficiality, or trust. The essential point remains: even in a hyper-connected world, love retains its relevance and power, as long as it is rooted in sincerity and respect for others. The impact of love cannot be measured by words or gestures but by its ability to transform lives in united hearts and give meaning to existence. Whether it is familial, friendly, romantic, self-love, or universal love, this invisible force shapes society, supports individuals, and inspires the future. In a constantly evolving world, love, in all its forms, remains the most beautiful promise of humanity and the key to a fulfilled life. 

Modern Family at a Crossroads

In the past, the family represented a fundamental foundation, a tangible and meaningful reality. Today this notion has changed and takes on a more formal character, often limited to a simple administrative or symbolic connection. The very meaning of family has eroded, and the distances between its members tend to grow over time.

Nowadays, each individual shapes their life around their own circle of friends and professional relationships. Even parents operate in environments that remain unknown to their children. They invest their time and energy in service clubs, where they hold important positions such as secretary, treasurer, vice-president, or president. Friendships formed during travels or stemming from previous professional relationships become pillars of their social lives. These new circles permeate their daily lives and profoundly influence the way they think and envision the future.

When it comes to children, each one grows up in a distinct universe, shaped by different values, beliefs, and goals. Their life choices are so different that it now seems impossible to see them move forward together. This diversity is a wealth for their own development but also a key reason why they gradually drift away from their once beloved parents, no longer identifying with or feeling comfortable in the family environment where they grew up together.

In the face of this evolution, the family does not disappear but is constantly being redefined, incorporating new models and new forms of relationships. Blended families, single-parent families, or chosen families testify to this adaptability to contemporary realities. This plurality of family structures reflects the increasing individualisation of life paths and the desire of each person to create tailor-made relationships based on affinity and shared values rather than solely on biological or legal ties. Nevertheless, this transformation also raises questions about the ability of a generation to maintain intergenerational dialogue and preserve certain reference points. The family becomes a shifting space, where traditions and innovations coexist, inviting everyone to rethink their role and place within this ever-changing collective.

    A forgotten Family Photo

                                                   Pierre, Frieda and Anne-Marie

 This old family photo becomes like a window into a world that still breathes behind the paper

Finding an old family photo is like opening a door to a world that now exists only in memory. The image, a bit faded, a bit grey, seems to breathe still. One can recognise familiar faces, simple gestures, and a way of being together that tells more than a thousand words. Every detail becomes a clue: summer light, a period piece of clothing, a smile that hasn't changed. You can imagine the voices, the laughter, the conversations interrupted by the click of the camera. And suddenly, the past feels close. It is no longer just a photograph but a fragment of life that comes back to the surface.

These recovered images remind us where we come from, what we have been through, and the quiet tenderness of ordinary moments. They are open windows onto time, silent witnesses that continue to watch over us, even when those depicted in them have long since left the frame. It was one of those bright summers in Knokke, on Albert Beach, where time seemed to stretch gently. There were the three of us: my brother, my sister and I, gathered as always by the sea. Dad, true to himself, held his Rolleiflex ready to capture every moment, as if he already knew that these images would become treasures.

My brother, already intrigued by the young women in bathing suits passing by laughing, cast curious glances around him. My sister, on the other hand, proudly sat atop a car inner tube – the fashionable flotation device of the time. She called me, inviting me to come sit with her on the tyre. I hesitated; the water was cold, too cold for me. But she insisted, gently pulling me, almost laughing, and eventually gave in. We must have been in the summer of 1947 or so. A simple time, when everything still seemed possible, when the sea, the sun, and the presence of loved ones were enough to fill an entire day.

 

Shared Sorrow, Admiration, Tenderness and Love

When from shared sorrow, one moves from admiration to affection to tenderness, to gratitude to trust, it can end in a profound love, which sometimes fades due to lack of light and space.

Caught in a persistent depression since my children turned their backs on me, I vainly tried to find a kindred spirit who could console my tears or simply lend me a hand. On a social network, I was quickly "caught" by another soul in distress, desperately seeking to escape a vicious downward circle. enduring the harsh blows dealt by their loved ones. A dialogue quickly forms, and within a few days, our understanding becomes optimal. We support each other, and miraculously, we manage to get out of the hell in which we were stuck without realizing it.

There are encounters that do not start with the heart but with shared negative feelings and the concern to help at all costs through encouraging dialogue. We observe someone's reactions, without particular intention, and something in them stops us. A way of speaking, intelligence, quiet strength, and moral elegance. Admiration often arises there, in that first silent movement where we recognize in the other qualities we deeply respect. First, it is only a light. We admire as we contemplate a landscape, with distance, with gratitude, without feeling involved. But admiration has a subtile power. It opens the door. It creates a passage between what we see and what we feel. Then comes the shift, almost imperceptible. The other ceases to be merely remarkable; they become important. We find ourselves thinking about them, waiting for a message, a sign, a presence.

Emotional attachment settles in like a new breath. It is not yet love, but it already carries promise. It is a fragile territory, where one discovers that they care for someone even before understanding why. And one day, quietly, attachment turns into love. Not a spectacular love, but a love that has been built deeply stone by stone. A love born of admiration, nourished by trust, and strengthened by tenderness. A love that does not seek to possess but to acknowledge. A love that is not demanding but welcoming. This journey—admiration, attachment, love—tells as much about the other person as it does about us. It reveals what we value, what we hope for, and what we are willing to give. It shows us that love is not a lightning strike but sometimes a slow rise toward the light.

To love, ultimately, is to let admiration become a presence and a presence become self-evident until attachment is irreversible.

 

Misunderstandings in text messages

Text messages are a bit like tiny emotional grenades that we joyfully throw at each other all day long. Its a universal phenomenon that turns our conversations into misunderstandings worthy of a sitcom. Its convenient, modern...and full of traps. A message sent too quickly, another read sideways, and suddenly, everyone starts to interpret, imagine, and invent disaster scenarios. The problem is not the text. Its everything it doesn't have.

A text message is three words without tone, without eye contact, without a smile. No raised eyebrows, no little laugh, not even a sigh. The brain hates emptiness, so it makes something up. And it makes it badly. Very badly. The message says one thing, the reader another, and the responder comes up with a third version. We ended up in trilogy. 

An " Okay" becomes a declaration of war. An endpoint turns into an agressive passive threat. A lack of response is experienced as a betrayal. And a " we'll talk about it later3 sounds like an attempt to escape through a window. The nuances disappear, automatic correctors get involved, and suddenly a banal message becomes a masterpiece of absurdity. Texting is theatre without a set, without costumes, without rehearsals. We guess more than we understand, we interpret more tan we read, and we get angry over sentences that never existed.

Texting is the greatest sociological experiment of our time. My children, my grandchildren, our friends, our relatives...no one escapes it. A misplaced word, a badly chosen emoji, and it's off to an international diplomatic crisis. All this for an "OK" sent between two red lights. Its like asking a blind person to paint a realistic portrait: he will try, but the result may be surprising.

The text message is naked as a worm. So, everyone knits it an emotional sweater based on their current mood. And then there's the autocorrect, that little prankster that turns Till come see you into  Till come see you die. We wanted to sent a cute message but end up with a psychological thriller. Then we wonder why we get " Uh...everything okay at your place". Real communication takes time, patience and sometimes a good phone call. When a text starts to be a Chinese puzzle, its better to pick up the phone. The voice conveys what written words forget, and at least, we avoid starting a world war over single period.