Here are your principles.

What is the meaning of life

Your real goal is freedom. To do what you want, to not do what you don't want to do, freedom from money, from your emotions or things that disturb your peace.

How to pick the right job

You should follow the projects that allow you to either 1) grow yourself and your skills or 2) meet people you admire and can learn from

How to have a great relationship

Do not expect anything from your partner. Do things for the sake of them and not for reciprocity. Your feelings should not make you irrational.

How to be happy

Stop expecting the best out of life, be happy with what you have. Don't be too harsh on yourself, laugh at your mistakes. Spend time with yourself and be clear about what you want and how you're feeling. Remember that you're just one human in the universe - most of your problems probably don't really matter. Embrace who you truly are.

How to decide if you should do something

Pursue the things you're naturally curious about, even if they don't make sense now. You can only connect the dots backwards. You have to trust in something — your gut, destiny, life, karma, whatever.

How to deal with your thoughts

Every hour of the day give vigorous attention to what you're doing, and vacate your mind from all its other thoughts. You will achieve this by performing every action as if it were the last of your life.

How to have a great relationship

Every couple will face moments of rupture and repair. To face those, you need four skills. 1/ the ability to apoligise 2/ the ability to forgive 3/ the ability to teach your partner how you feel and what works for you 4/ the ability to learn what your partner is, and the modesty to admit you still have things to improve on

How to deal with negative thoughts

Always look for the positive side of things. After a while your brain will do it automatically.

How to have a great relationship

Love is a one-way street: you should not love someone because they love you, but because you love them either way.

How to deal with grief

You should focus on what's under your control. Do not drag on the sadness of loss, move on.

How should you live your life

Don't let the noise of others' opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition.

How to decide if you should do something

You should listen to your instinct - your emotional GPS. It will lead you to the right place for you to achieve your purpose, even if it doesn't seem ideal first. All the best decisions I've made came from listening to my instinct.

How to be successful at work

Imitate the best strategies of your competitors. The market doesn’t care about your personal need to be unique.

How to be successful at work

Work as hard as you can. But who you work with and what you work on are more important than how hard you work.

How to be creative

Find a third place that isn't your home or your work. Isolate yourself for as long as you can - a few hours, a day, a week with no interruption and no company.

How to pick a career

Ask yourself every morning: "If today were the last day of my life, would I want to do what I am about to do today?". If the answer is "No" for too many days in a row, you need to change something.

How should you live your life

Your life is yours. So live for yourself, put yourself first, and don't look for permission to do so. Be brave - heart open, powerful, and full of all of your agency.

What is the meaning of life

The purpose of human life is to love whoever is around to be loved. Think about what people talk about in eulogies - it's always about what we gave, how we connected, how much we meant to our family and friends, small kindnesses and lifelong passions.

What is happiness

It's the default state, it's when you feel like nothing is missing from your life.

What is the meaning of life

Your goal is to fulfill the truest, highest expression of yourself as a human being. Align your personality with your purpose.

What is the meaning of life

Our goal is to develop as much wisdom as possible, as early as possible. It's to see the truth for what it is, to tame our animal instincts and grow as a higher being.

How to pick a career

Do what feels like play and looks like work to others. Refine what you do until you're the best at it. Do something that has an aspect of creativity so you will never be replaced/automated.

How to deal with grief

You can’t be good at grief. It’s not something that is to be mastered. It’s something that’s to be survived. It will come out as the most uncomfortable feeling for you, and you shouldn't fight it.

How to decide if you should do something

Sometimes, there is no perfect decision. There is the one you pick, and agree to commit to.

Is work desirable

We are not made to only experience pleasure, but also to  work. You cannot control intellect but you can control hard work. Do not seek praise.

What is the meaning of life

Humans exist for the sake of one another. You should add value to others.

How should you live your life

You should be a chef, and not a cook. That is, you should reason from first principles instead of by analogy.

How should you live your life

Get rid of your ego, and seek to see the truth. Don't ignore your mistakes, recognise and learn from them. Pain + Reflection = Progress.

How should you deal with others

You should treat others with respect. You should be kind to others as you could be in their position. You should not be angry at others' behaviour, just show them the right way. Do not expect anything from others.

What is happiness

The experience of joy, contentment, or positive well-being, combined with a sense that one's life is good, meaningful, and worthwhile.

How to pick a career

You should seek work that allows you to use your character strengths and enter a state of flow as often as possible.

How to have a great relationship

You should always leave space for the other, and remain independent. You should only give to the other, and not take from them. You should not change nor ask them to change.

How should you live your life

Play iterated games. All the returns in life come from compound interest.

How should you live your life

You should live a virtuous life and do the right thing, regardless of what society tells you to do.

How to be creative

Don't put too much pressure on your creativity. Accept inspiration as something that happens to you sometimes, rather than something you are. Just be disciplined and show up every day so you're here when she comes.

How to pick the right partner

There are three key ingredients necessary: you should have an epic friendship with them (enjoy their humour, have fun together), you should feel at home (safe, accepted for who you are) and they should be committed to having a healthy relationship (communicating, being equal).

How should you live your life

A man who opts to live a life with no principles to steer by usually gets a big surprise from fate while he is sitting back and yawning.

How should you live your life

Our goal in life should be to build an emotional education as well, that is, to be a good, balanced human being. For that, you need to face and repair the traumas that happened to you before.

How to deal with negative thoughts

Remove the thought 'I am hurt' and the hurt itself is removed.

How to deal with trauma

You should embrace it, as often the best things require pain and effort. You should welcome pain for the learnings it provides you.

How should you deal with others

You should always remember that everyone was a child once and has been hurt one way or another in their lives, and this is likely to be the reason for their negative emotions and behaviours. Show compassion.

How to decide if you should do something

Knowing how to tune in with your instinct is probably the most vital thing to work out in life. And when you have that gut feeling, go with it.

How should you deal with others

Everybody wants to feel heard and understood.

How should you deal with others

Everyone needs to feel appreciated and seen.

Is work desirable

You should embrace work, as it is what makes us transform objects into art. It allows us to better understand our planet and the way it works. You should put your heart into your work and always think about the greater purpose of what you're doing. Work done without motivation is not worth it.

What should you study

Learn the multiplying skills - speaking, writing, psychology, design, conversation, languages, persuasion, programming, meditation/focus.

How to be happy

Remove desires, don't think too much about the future or the past, really embrace the present moment and the reality of what is, and the way it is. Hang around with happy people.

How should you deal with others

You should give to others, without asking for anything back. You should listen to others and appreciate their opinion. There is no good or bad, so if you find yourself in a lucky position you should never judge or criticize others.

What is happiness

Happiness is a state of inner fulfillment, not the gratification of inexhaustible desires for outward things.

How to be creative

Set up time to think. It’s only after you’re bored that you have the great ideas.

How to deal with trauma

Try to distance yourself from the issue and see it as another person. Be kind to you, think of it as "Hey me, we're in this together!". Frame everything as "interesting" instead of "bad". It will open up opportunities for what to make of it.

How to decide if you should do something

Never consider doing anything which would break your integrity or which comes from hate.

How to get rich

Live where everything is happening. Say yes to everyone, pursue every opportunity - you never know which one will win. Own as close to 100% as possible of your ideas.

What is the meaning of life

Helping others. Creating something great. Learning and discovering how things work. Connecting with others.

What should you study

Study microeconomics, game theory, psychology, persuasion, ethics, mathematics, and computers.

How to decide if you should do something

You can use the 'fear setting exercise'. Answer the following questions: 1) What is the worst thing that could happen if you chose to do it? 2) What steps could you take to repair the damage? 3) What are the outcomes or benefits of more probable scenarios? 4) What is the cost of inaction? and 5) What are you waiting for?

How to decide if you should do something

Choose the plan with the most options. The best plan is the one that lets you change your plans.

How should you deal with others

You should be always be kind. That doesn't mean to be soft. You can lead with strength and determination but have people's best interests at heart.

How should you live your life

You need to see the truth. To do that, you have to get your ego and emotions out of the way.

How to get rich

Seek wealth, not money or status. Wealth is having assets that earn while you sleep. You must own equity - a piece of a business - to gain your financial freedom. Pick an industry where you can play long term games with long term people. Focus on producs with no marginal cost of replication (code and media).

How should you live your life

You should be spiritual - that means, you should have a practice to take care of yourself, and keep yourself centered.

How to decide if you should do something

There are people who prefer to say 'Yes', and there are people who prefer to say 'No'. Those who say 'Yes' are rewarded by the adventures they have, and those who say 'No' are rewarded by the safety they attain. There are far more 'No' sayers around than 'Yes' sayers, but you can train one type to behave like the other.

How to pick a career

There is no real doing without being first. Being in touch with who you are is much more important than what you do; and is also what fuels what you do.

How to be successful at work

You cannot choose your intellect, but you can display virtues which are in your own power - integrity, dignity, hard work, self-denial, contentment, frugality, kindness, independence, simplicity, discretion, magnanimity.

How should you deal with others

You should not try to compete with others. True rewards come from improving yourself.

How to pick a career

In our career, we all yearn five elements: achieving our potential, having a good lifestyle, helping others, being socially validated, and being financially safe. You must spend time unpacking all those categories, what they mean for you and which ones do you prioritise over others.

How to be happy

Research shows that the following elements are strong predictors of happiness: earning some income (about £75k), having strong relationships, exercising, getting good sleep, being mindful, doing acts of kindness, feeling a sense of purpose, and having goals.

What is the meaning of life

Pursuing knowledge. The unexamined life is not worth living.

How should you deal with others

Never say anything about someone that you wouldn’t say to them directly.

How to pick a career

Do what pays well. Follow the money, it tells you where you’re most valuable.

How to pick the right partner

Look for someone who is kind to you, someone with whom you can be vulnerable and open up, someone who is interested in understanding you - and you're interested in understanding too.

How to pick a career

Get to know yourself. Think about everything you've ever enjoyed doing - even if it didn't make any money and try to find patterns. Accept that it's a long process. And finally, try something. Don't get paralysed by choice.

How to have a great relationship

Make many 'bids' towards your partner (gestures towards them) and respond to their bids.

How to pick a career

You've got to find what you love. Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. If you haven't found it yet, keep looking. Don't settle. As with all matters of the heart, you'll know when you find it.

How to pick the right job

The single most important thing is the alumni network you’re going to build. Think about who you will work with and what those people are going on to do.

How to decide if you should do something

The rule of thumb I use is the 'full body yes'. You need to check if your head, gut and heart say 'yes'. If at least one says 'no', then you shouldn't go for it.

How to decide if you should do something

You might find it helpful to consider your decision from different point of views: 1) What would your enemies want you to do? 2) What does your reason say? 3) What would you do if you were incredibly courageous? 4) Think about the day of your death. What will you regret? 5) What does your gut say?

How to be creative

Think from first principles. Start with your goal, then work backwards - why doesn't it happen already? What's the core problem that you need to solve for it to happen? Don't assume things are the way they are because they're the best possible way.

How should you live your life

Embrace whatever happens to you. Always stay true and just.

What is the meaning of life

Actualizing our true nature, having a correct understanding of the nature of things and beings.

An illustration of the principle author

Laurie Santos

How to be happy

Research shows that the following elements are strong predictors of happiness: earning some income (about £75k), having strong relationships, exercising, getting good sleep, being mindful, doing acts of kindness, feeling a sense of purpose, and having goals.

Source
An illustration of the principle author

Matthieu Ricard

What is happiness

Happiness is a state of inner fulfillment, not the gratification of inexhaustible desires for outward things.

Source
An illustration of the principle author

Alain de Botton

How to be happy

Stop expecting the best out of life, be happy with what you have. Don't be too harsh on yourself, laugh at your mistakes. Spend time with yourself and be clear about what you want and how you're feeling. Remember that you're just one human in the universe - most of your problems probably don't really matter. Embrace who you truly are.

Source
An illustration of the principle author

Naval Ravikant

How to be happy

Remove desires, don't think too much about the future or the past, really embrace the present moment and the reality of what is, and the way it is. Hang around with happy people.

Source
An illustration of the principle author

Naval Ravikant

What is happiness

It's the default state, it's when you feel like nothing is missing from your life.

Source
An illustration of the principle author

Sonja Lyubomirsky

What is happiness

The experience of joy, contentment, or positive well-being, combined with a sense that one's life is good, meaningful, and worthwhile.

Source
An illustration of the principle author

Marissa Mayer

How to decide if you should do something

Sometimes, there is no perfect decision. There is the one you pick, and agree to commit to.

Source
An illustration of the principle author

Tim Ferriss

How to decide if you should do something

The rule of thumb I use is the 'full body yes'. You need to check if your head, gut and heart say 'yes'. If at least one says 'no', then you shouldn't go for it.

Source
An illustration of the principle author

Marcus Aurelius

How to decide if you should do something

Never consider doing anything which would break your integrity or which comes from hate.

Source
An illustration of the principle author

Keith Johnstone

How to decide if you should do something

There are people who prefer to say 'Yes', and there are people who prefer to say 'No'. Those who say 'Yes' are rewarded by the adventures they have, and those who say 'No' are rewarded by the safety they attain. There are far more 'No' sayers around than 'Yes' sayers, but you can train one type to behave like the other.

Source
An illustration of the principle author

Derek Sivers

How to decide if you should do something

Choose the plan with the most options. The best plan is the one that lets you change your plans.

Source
An illustration of the principle author

Oprah Winfrey

How to decide if you should do something

You should listen to your instinct - your emotional GPS. It will lead you to the right place for you to achieve your purpose, even if it doesn't seem ideal first. All the best decisions I've made came from listening to my instinct.

Source
An illustration of the principle author

Steve Jobs

How to decide if you should do something

Pursue the things you're naturally curious about, even if they don't make sense now. You can only connect the dots backwards. You have to trust in something — your gut, destiny, life, karma, whatever.

Source
An illustration of the principle author

Hugh Jackman

How to decide if you should do something

Knowing how to tune in with your instinct is probably the most vital thing to work out in life. And when you have that gut feeling, go with it.

Source
An illustration of the principle author

Tim Ferriss

How to decide if you should do something

You can use the 'fear setting exercise'. Answer the following questions: 1) What is the worst thing that could happen if you chose to do it? 2) What steps could you take to repair the damage? 3) What are the outcomes or benefits of more probable scenarios? 4) What is the cost of inaction? and 5) What are you waiting for?

Source
An illustration of the principle author

Alain de Botton

How to decide if you should do something

You might find it helpful to consider your decision from different point of views: 1) What would your enemies want you to do? 2) What does your reason say? 3) What would you do if you were incredibly courageous? 4) Think about the day of your death. What will you regret? 5) What does your gut say?

Source
An illustration of the principle author

Oprah Winfrey

How to pick a career

There is no real doing without being first. Being in touch with who you are is much more important than what you do; and is also what fuels what you do.

Source
An illustration of the principle author

Naval Ravikant

How to be successful at work

Work as hard as you can. But who you work with and what you work on are more important than how hard you work.

Source
An illustration of the principle author

Naval Ravikant

How to get rich

Seek wealth, not money or status. Wealth is having assets that earn while you sleep. You must own equity - a piece of a business - to gain your financial freedom. Pick an industry where you can play long term games with long term people. Focus on producs with no marginal cost of replication (code and media).

Source
An illustration of the principle author

Derek Sivers

How to get rich

Live where everything is happening. Say yes to everyone, pursue every opportunity - you never know which one will win. Own as close to 100% as possible of your ideas.

Source
An illustration of the principle author

Khalil Gibran

Is work desirable

You should embrace work, as it is what makes us transform objects into art. It allows us to better understand our planet and the way it works. You should put your heart into your work and always think about the greater purpose of what you're doing. Work done without motivation is not worth it.

Source
An illustration of the principle author

Naval Ravikant

What should you study

Study microeconomics, game theory, psychology, persuasion, ethics, mathematics, and computers.

Source
An illustration of the principle author

Derek Sivers

How to be successful at work

Imitate the best strategies of your competitors. The market doesn’t care about your personal need to be unique.

Source
An illustration of the principle author

Steve Jobs

How to pick a career

Ask yourself every morning: "If today were the last day of my life, would I want to do what I am about to do today?". If the answer is "No" for too many days in a row, you need to change something.

Source
An illustration of the principle author

Marcus Aurelius

How to be successful at work

You cannot choose your intellect, but you can display virtues which are in your own power - integrity, dignity, hard work, self-denial, contentment, frugality, kindness, independence, simplicity, discretion, magnanimity.

Source
An illustration of the principle author

Tim Urban

How to pick a career

In our career, we all yearn five elements: achieving our potential, having a good lifestyle, helping others, being socially validated, and being financially safe. You must spend time unpacking all those categories, what they mean for you and which ones do you prioritise over others.

Source
An illustration of the principle author

Alain de Botton

How to pick a career

Get to know yourself. Think about everything you've ever enjoyed doing - even if it didn't make any money and try to find patterns. Accept that it's a long process. And finally, try something. Don't get paralysed by choice.

Source
An illustration of the principle author

Martin Seligman

How to pick a career

You should seek work that allows you to use your character strengths and enter a state of flow as often as possible.

Source
An illustration of the principle author

Steve Jobs

How to pick a career

You've got to find what you love. Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. If you haven't found it yet, keep looking. Don't settle. As with all matters of the heart, you'll know when you find it.

Source
An illustration of the principle author

Marcus Aurelius

Is work desirable

We are not made to only experience pleasure, but also to  work. You cannot control intellect but you can control hard work. Do not seek praise.

Source
An illustration of the principle author

Naval Ravikant

How to pick a career

Do what feels like play and looks like work to others. Refine what you do until you're the best at it. Do something that has an aspect of creativity so you will never be replaced/automated.

Source
An illustration of the principle author

Tim Ferriss

How to pick the right job

You should follow the projects that allow you to either 1) grow yourself and your skills or 2) meet people you admire and can learn from

Source
An illustration of the principle author

Derek Sivers

What should you study

Learn the multiplying skills - speaking, writing, psychology, design, conversation, languages, persuasion, programming, meditation/focus.

Source
An illustration of the principle author

Derek Sivers

How to pick a career

Do what pays well. Follow the money, it tells you where you’re most valuable.

Source
An illustration of the principle author

Naval Ravikant

How to pick the right job

The single most important thing is the alumni network you’re going to build. Think about who you will work with and what those people are going on to do.

Source
An illustration of the principle author

Marcus Aurelius

How to deal with negative thoughts

Remove the thought 'I am hurt' and the hurt itself is removed.

Source
An illustration of the principle author

Khalil Gibran

How to deal with trauma

You should embrace it, as often the best things require pain and effort. You should welcome pain for the learnings it provides you.

Source
An illustration of the principle author

Elizabeth Gilbert

How to deal with trauma

Try to distance yourself from the issue and see it as another person. Be kind to you, think of it as "Hey me, we're in this together!". Frame everything as "interesting" instead of "bad". It will open up opportunities for what to make of it.

Source
An illustration of the principle author

Elizabeth Gilbert

How to deal with grief

You can’t be good at grief. It’s not something that is to be mastered. It’s something that’s to be survived. It will come out as the most uncomfortable feeling for you, and you shouldn't fight it.

Source
An illustration of the principle author

Marcus Aurelius

How to deal with grief

You should focus on what's under your control. Do not drag on the sadness of loss, move on.

Source
An illustration of the principle author

Naval Ravikant

How to deal with negative thoughts

Always look for the positive side of things. After a while your brain will do it automatically.

Source
An illustration of the principle author

John Gottman

How to have a great relationship

Make many 'bids' towards your partner (gestures towards them) and respond to their bids.

Source
An illustration of the principle author

Marcus Aurelius

How to have a great relationship

Do not expect anything from your partner. Do things for the sake of them and not for reciprocity. Your feelings should not make you irrational.

Source
An illustration of the principle author

Tim Urban

How to pick the right partner

There are three key ingredients necessary: you should have an epic friendship with them (enjoy their humour, have fun together), you should feel at home (safe, accepted for who you are) and they should be committed to having a healthy relationship (communicating, being equal).

Source
An illustration of the principle author

Khalil Gibran

How to have a great relationship

You should always leave space for the other, and remain independent. You should only give to the other, and not take from them. You should not change nor ask them to change.

Source
An illustration of the principle author

Alain de Botton

How to have a great relationship

Every couple will face moments of rupture and repair. To face those, you need four skills. 1/ the ability to apoligise 2/ the ability to forgive 3/ the ability to teach your partner how you feel and what works for you 4/ the ability to learn what your partner is, and the modesty to admit you still have things to improve on

Source
An illustration of the principle author

Naval Ravikant

How to have a great relationship

Love is a one-way street: you should not love someone because they love you, but because you love them either way.

Source
An illustration of the principle author

Alain de Botton

How to pick the right partner

Look for someone who is kind to you, someone with whom you can be vulnerable and open up, someone who is interested in understanding you - and you're interested in understanding too.

Source
An illustration of the principle author

Marcus Aurelius

How should you deal with others

You should treat others with respect. You should be kind to others as you could be in their position. You should not be angry at others' behaviour, just show them the right way. Do not expect anything from others.

Source
An illustration of the principle author

Oprah Winfrey

How should you deal with others

Everybody wants to feel heard and understood.

Source
An illustration of the principle author

Khalil Gibran

How should you deal with others

You should give to others, without asking for anything back. You should listen to others and appreciate their opinion. There is no good or bad, so if you find yourself in a lucky position you should never judge or criticize others.

Source
An illustration of the principle author

Ray Dalio

How should you deal with others

Never say anything about someone that you wouldn’t say to them directly.

Source
An illustration of the principle author

Naval Ravikant

How should you deal with others

You should not try to compete with others. True rewards come from improving yourself.

Source
An illustration of the principle author

Matthieu Ricard

How should you deal with others

You should be always be kind. That doesn't mean to be soft. You can lead with strength and determination but have people's best interests at heart.

Source
An illustration of the principle author

Hugh Jackman

How should you deal with others

Everyone needs to feel appreciated and seen.

Source
An illustration of the principle author

Alain de Botton

How should you deal with others

You should always remember that everyone was a child once and has been hurt one way or another in their lives, and this is likely to be the reason for their negative emotions and behaviours. Show compassion.

Source
An illustration of the principle author

Naval Ravikant

How to be creative

Set up time to think. It’s only after you’re bored that you have the great ideas.

Source
An illustration of the principle author

Elizabeth Gilbert

How to be creative

Don't put too much pressure on your creativity. Accept inspiration as something that happens to you sometimes, rather than something you are. Just be disciplined and show up every day so you're here when she comes.

Source
An illustration of the principle author

Bill Gates

How to be creative

Find a third place that isn't your home or your work. Isolate yourself for as long as you can - a few hours, a day, a week with no interruption and no company.

Source
An illustration of the principle author

Elon Musk

How to be creative

Think from first principles. Start with your goal, then work backwards - why doesn't it happen already? What's the core problem that you need to solve for it to happen? Don't assume things are the way they are because they're the best possible way.

Source
An illustration of the principle author

Socrates

How should you live your life

You should live a virtuous life and do the right thing, regardless of what society tells you to do.

Source
An illustration of the principle author

Ray Dalio

How should you live your life

Get rid of your ego, and seek to see the truth. Don't ignore your mistakes, recognise and learn from them. Pain + Reflection = Progress.

Source
An illustration of the principle author

Tim Urban

How should you live your life

You should be a chef, and not a cook. That is, you should reason from first principles instead of by analogy.

Source
An illustration of the principle author

Seneca

How should you live your life

A man who opts to live a life with no principles to steer by usually gets a big surprise from fate while he is sitting back and yawning.

Source
An illustration of the principle author

Alain de Botton

How should you live your life

Our goal in life should be to build an emotional education as well, that is, to be a good, balanced human being. For that, you need to face and repair the traumas that happened to you before.

Source
An illustration of the principle author

Naval Ravikant

How should you live your life

You need to see the truth. To do that, you have to get your ego and emotions out of the way.

Source
An illustration of the principle author

Tracee Ellis Ross

How should you live your life

Your life is yours. So live for yourself, put yourself first, and don't look for permission to do so. Be brave - heart open, powerful, and full of all of your agency.

Source
An illustration of the principle author

Steve Jobs

How should you live your life

Don't let the noise of others' opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition.

Source
An illustration of the principle author

Naval Ravikant

How should you live your life

Play iterated games. All the returns in life come from compound interest.

Source
An illustration of the principle author

Oprah Winfrey

How should you live your life

You should be spiritual - that means, you should have a practice to take care of yourself, and keep yourself centered.

Source
An illustration of the principle author

Marcus Aurelius

How should you live your life

Embrace whatever happens to you. Always stay true and just.

Source

To start saving, create an account or login.