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1361  Economy / Gambling / Re: Unethical Practices: Involvement of Bots and Fake Accounts for contest/race on: September 01, 2023, 11:12:07 PM


But if I'm going to play and participate in competitions like this, I will always choose the site that I'm more familiar with, so that I can remove my doubts.
The thing is that, whenever you decide to gamble, you should have it at the back of your mind that you are up against the casino, and whatever outcome their gave you, you have to take and that is why we have the slogan house edge, so I won't deny the possibility of bot accounts being run by some casinos, but just as you have said, it good to first of all have the basic understanding and the awareness of possible bots activities in some games.
Also, you are right where you said you only gamble on casinos you are already used to, It makes more sense also and that sounds cool to me anyway, because you have to defend yourself against the casino at some point even though it sounds impossible in casinos, but when the luck is on your side, and you are gambling on a reputable casino both online and offline you are sure of winning something tangible.

That is an unfair practice from the casino's end and they should not have done that in the first place. True that they have what we call the house edge, but that doesn't mean that they can use that to justify their unfair practices and outright cheating. People should also try and avoid the casino who's practicing this as they are bound to lose their money easily without even having a fair chance to break even. It's never okay to be cheated off of your own money.
1362  Local / Pilipinas / Re: Opinion: Pag invest sa Bitcoin gamit ang Maharlika Fund on: September 01, 2023, 10:57:59 AM
This is a risky investment decision and yung gagamitin is pondo ng bayan so pagnagkataon, pare-parehas tayong mamomoblema dito.

Saka ang kinakatakot ko is decentralized ito, baka kung saan lang nila itransfer yung pera at sabihin na nalugu kahit hinde naman talaga.

Sana maging transparent ang government patungkol dito, we need an assurance that they are investing the money in the right place.

Ayun nga eh, ang magiging problema if mangayayari ito ay yung transparency. Ngayon pa lang kasi may issue at debate na patungkol sa transparency sa transactions at gastos na nangyayare sa gobyerno, pano pa kaya dito na malaking pera at pondo ng bayan ang nakasalalay. Ang daming ways para makagawa ng pera ang mga kurakot na politiko na siguradong madali nilang mapagtatakpan at malulusutan, at ang malulugi nanaman at mawawalan ay tayo at mga kababayan natin na malaki ang pangangailangan. Sobrang risky neto dahil may issue na ng korupsyon at transparency saten na ang hirap na rin talaga magtiwala. Satingin ko mas magandang ibang project nalang ang gawin in relation to Maharlika Fund. As much as may magandang epekto ito sa bitcoin at satin na may alam sa bitcoin system, overall kasi mas malaki ang risk na mangyayare at masyadong malaki ang pwedeng mawala sa nakararami.
1363  Bitcoin / Bitcoin Discussion / Re: Hong Kong officially launches its first Bitcoin and crypto trading platform on: September 01, 2023, 10:26:59 AM
Well, this is surely big news. However, there is of course a positive and negative effect that this launch has. First, it will cause a positive effect in a way that more people will hear about Bitcoin and be interested in it, high interest means possibly more people joining and using it. However, the counterpart of this is that the government will be able to have control over it, and privacy and security will possibly be out of the window. Additionally, there is the possibility of tax being applied as it is the most possible move the government can make to get something out of this. Lastly, there is also the issue of China banning Bitcoin trading, I'm sure Hong Kong will have to answer to some limitation regarding this as China still have some sort of legal authority with Hong Kong.

Generally, this change will have a positive effect on the popularity of Bitcoin, but it will surely have a negative effect on security and legal discussion in the long run.
1364  Bitcoin / Bitcoin Discussion / Re: Countries where Bitcoin is “banned” on: September 01, 2023, 09:49:16 AM
First of all, thank you for the hard work I'm sure it took some of your time and definite effort to post this. Second, that is surely a lot of countries, I didn't expect them to be 18 countries in total seeing as how popular Bitcoin is getting. However, this post only shows just how difficult it will get for Bitcoin to have the international recognition and acceptance we all hope it gets. There will be a lot of countries that will go against this notion and it will certainly cause debates and heated discussions. The most prominent reason why a lot of countries will surely be added to this list is the Central Bank. I'm sure most of us are already familiar with this point with Bitcoin and Central Bank, and how most (if not all) countries will surely side with the latter one. Additionally, legalizing something, especially one that is connected to money and the economy will take a lot of time and process.

However, there are those bitcoin users who know just how to go around those restrictions, cause I sure know some people who live in that listed country who are able to transact and use bitcoin just fine. I'm sure they are able to find a loophole or a system that is out of the government's sight to do their transactions, and as bad as it sounds kudos to them for having the balls to do so. I mean, anything to make you money, right? It's not like they are hurting someone if they just bend the rules just a little bit, it is even pretty clever of them to find ways to go around the system undetected.
1365  Economy / Economics / Re: I wonder if food prices in your country have also increased? on: September 01, 2023, 09:12:00 AM
In my country, groceries like bread, meat, milk, cheese, and eggs have increased causing hardship particularly for lower-income households and overall economies. One of the reasons I think this is happening is there have been disruptions in global food markets due to planting season disruptions. To cope with the rising cost, if it is not super essential, I do not buy it. I have cut down on bread and replaced it with fruits and vegetables. Eating out is now once per week with friends if it is so important. There are a lot of other stuff that I do to save money too.

Perhaps each country will have its own difficulties. In my country, especially in the countryside where I live, fruits and vegetables are more expensive than things like bread, eggs, and milk. I guess each region's food needs are different.
But in general, even though inflation lasted for nearly 2 years, the people of my village did not encounter too many difficulties because they could produce their own goods such as rice, eggs, and vegetables...I'm not saying their prices haven't increased, but in my opinion they haven't increased significantly.

It is true that every region has significant food needs because each region is also able to produce significant food products, both in volume and in quality. For example, here in my country, each region is known for producing different food products, some are known for producing rice, and some for fish and other seafood. Such a thing is the reason why local trade happens, our region exports foods that are produced here to other regions while other regions do the same to our region. In most cases, locally exported products have higher prices, like in my area, seafood has higher prices while in the area where my mother lives rice and meat costs are higher. However, when inflation hit, it seemed as if it didn't matter what your area is rich in, all prices of food and necessities skyrocketed and what I usually spend for a month's worth of groceries is now being used to suffice 2 weeks' worth of food.
1366  Economy / Economics / Re: People keep talking how weak dollar and how bad usa economy getting on: September 01, 2023, 05:59:12 AM
I agree with you. I think it's the best that way. If the BRICS can be strong then it will make the antithesis of the USD. Such conditions might be good because there is no absolute power, but it could also trigger a third world war

In my opinion, it is more or less true that the new currency pioneered by the BRICS group will affect world trade, foreign direct investment and investor portfolios and this also has the potential to cause geopolitical turmoil, one thing that is visible is that this process will take a long time and require years of cooperation. years that ultimately phased out local currencies.

It will surely take years for any changes to happen as per anything that has to do with BRICS. However, it should not be ignored that BRICS is a big change, and applies such difference especially now that countries who is a member of this group have the drive and muscle to say that they are a part of BRICS and is backed by them. Granted, the US has the history and the dominance for years that will not be easily taken down. Despite some unstable relationships that some countries have with the US it cannot be questioned that they are still heavily dependent on the US in terms of security and trade, not to mention the USD. The real threat, however, that BRICS have against the US is the 40 countries that showcased their interest in joining the group. However, that will even take years to have an actual effect if those 40 countries actually get in.
1367  Economy / Economics / Re: Is market manipulation a common occurrence everywhere? on: September 01, 2023, 05:07:58 AM
Yes of course, literally anything that can be manipulated is manipulated, at least to some extent.  The crazy thing is "back in the day" when the stock market wasn't as robust as it is now, market makers use to be able to move stocks easily with just a simple /somewhat non-sizable trade.  Today most stocks are also owned in funds (mutual funds/ETFs/dark pools/hedge funds etc) so manipulation is a bit more difficult, but it's still happens.

Bitcoin is no different, big time heavy hitters can and do manipulate bitcoins price..though it's hopefully only getting harder and harder to do as more bitcoin is mined and more buyers spread the wealth.

I agree, there is always manipulation with anything that can be manipulated. In market manipulation, there are two techniques that people use to apply this. The first one is called Pump and Dump wherein the price of security artificially is infiltrated and then the manipulator sells out which causes followers to only be left with overvalued security, this technique is mostly used on stocks with micro-market capitalization. The other technique is called Poop and Scoop where the price of a stock is artificially deflated then the manipulator will buy the undervalued shares which causes them to have profit. As for currency, there is also what we call Currency Manipulation, which I'm sure some of us are already familiar with. It is manipulation that is not considered illegal but is heavily frowned upon. It is a manipulation controlled or executed by authorities like the Central Bank. Trading partners may also choose to apply sanctions on currency manipulation by deflating or inflating the value of their own currency under the floating exchange rate system.
1368  Economy / Economics / Re: Business failure among small-scale entrepreneurs on: September 01, 2023, 04:35:03 AM
I think the biggest reason why start up or small business fail is because the competition that very tight. even some big investors invest to a company and let the company spend their capital only for advertisement, promotion, discount and etc. even the company is not making any profit every single year but the company value or price in the stock market is rise. those investors gain profit from it. it create huge entry barrier for start up business that prevent them to get market share. fortunately expert said that this method is not work anymore. at least it is what happen in my country.
Competition surely plays a big role in business failure, especially when small-scale entrepreneurs face big companies that have more resources and already have a well-established name and status in the business industry. Moreover, these big companies are backed up by good investors which only adds to the challenge.
In today's era, promotion or marketing is the thing that must be prioritized to attract more customers. And yes, at this step, more capital is needed to fund the promotion and marketing. And those who lose in promotion and marketing are the ones who will slowly experience defeat. So it is not surprising that many companies are starting to go bankrupt. But in the end, the quality and comfort provided by a company to customers must also be prioritized. Because of course consumers will stay and become regular customers if they feel comfortable. Currently in my country the online shopping platform companies that are most widely used because of their convenience are Shopee and Lazada. They make customers satisfied with their services. And the promotions they do never stop. They realize that promotion is important in the digital era.

It is indeed very important to ensure that a good promotion or marketing is at work for a business to maintain good status. Having a good marketing plan welcomes various benefits for businessmen, whether they are new or are already well-known in the industry. In fact, according to Bradley (2019) in his article entitled The Importance of Promotional & Marketing Strategies posted in Chron, there are three significant benefits that a good promotional and marketing strategy brings. First, promotional and marketing strategies allow businesses to understand and have a better connection with their clients and customers as by having the right marketing plan can lead your business to the right demographic to have better access to your target clients and customers. Second, promotional and marketing strategies also lead businesses to have better development of financial goals as financial goals are correlated to sales targets. Lastly, promotional and marketing strategies assist in strategic planning.

To have a better understanding of these points here is the article: https://smallbusiness.chron.com/importance-promotional-marketing-strategies-57205.html
1369  Economy / Economics / Re: What did elon do wrong in Twitter on: September 01, 2023, 03:26:49 AM
Wait a minute I used to think online is the next generation if your not going online your toast but elon musk just lost funds in Twitter trying to take it fully online. He sacked almost all the employees ,replaced them with bots and now he is trying   to sell it . Don't mistake me I'm not trying to criticise the dude but i don't get why this happened for real his plan was nice trying to reduce cost of work . But what went wrong
Twitter usage is really going down I think the app is more boring . What do you think we all know elon this might be another business Strategy right Undecided
His mistake was buying Twitter to begin with, Twitter already had problems and it needed an expert to try to revive it and make it competitive again, instead Elon bought it and for him it was his new toy he could do whatever he wanted with.

And while some decisions were what you can expect a new owner to do, like reducing the number of employees in order to become more profitable, there are many other movements that were questionable, and as such it would not surprise if at some point he had to sell for a loss.

Twitter was indeed already getting problems and a lot of issues from its users way before Elon Musk decided to buy it. For example, there was the brewing community of alternative accounts posting 18+ contents that can easily be accessed by minors just by seeing retweets from pages they follow. Moreover, there are also increasing numbers of scammers and hackers that filled Twitter, causing a lot of accounts to be deleted.

However, when Elon Musk bought Twitter, he did not even address these already existing issues and problems but instead made changes that received mixed reactions from the platform's users. Some of these changes include having the paid verification plan (premium Twitter account) that allows paying Twitter users to own the blue checkmark in their profile, have prioritization in conversation and search, post longer videos in 1080p quality, and more. Another significant change was his policy of banning links to other social media platforms like Instagram, however, this policy was immediately removed due to backlash from millions of users. Lastly, and probably the biggest overall change, is the rebranding of Twitter to X. Some users find the new look cold and impersonal, as the bluebird and former UI design of Twitter looks friendly, fun, and warm, while the black and simple X one shouts cold and too professional.

Now, I'm sure Elon Musk did think about these changes before he applied them, having his own reasons for even coming up with these ideas. However, from the backlash he is getting from a lot of users, I believe it was indeed better if we had built his own social media platform from scratch instead of buying Twitter that a lot of people already have an established opinion and experience using.
1370  Economy / Economics / Re: How to avoid over expenses and have discipline on: September 01, 2023, 02:29:13 AM
I've learn a lot in finance how im going to save and invest my money because of cryptocurrency I start to change my mindset and stop just spending my profit, I start to listen to a lot of financial podcast that could help me how to be dicipline and budget my salary and investment at the same time.

One thing I learn is to always keep track of your expenses, sometime when we have rhe money and it just quickly disappear because of our spending and we are not aware that we already doesnt have the money, it is just because we are not keeping track of what we buy. We i started to do it I always manage and keep the budget on. One of the best advise that i get is simple not to buy what you cant afford as well as, invest more than spending, if your going to do that i could guarantee that your going to have a great savings and finance.

I agree with you and I like how different this is from others' answers about keeping a budget. See, tracking expenses is different from keeping a budget. More often than not, tracking the expenses we make (may it be on a daily, weekly, or monthly basis) allows us to have a better start when we start doing our budgeting. According to BCA's web post tackling the benefits of tracking expenses, keeping track of how much you spend, what you spent it to, and why provides 5 general benefits to us. First, it allows us to what our expenses are generally used for like is it for necessities, luxury, or health expenses. Second, it allows us to have an idea of the general average of our daily, weekly, and monthly expenses as it is vital for us to know if we are spending more than what we normally do during some days. Next, it helps us identify necessary and unnecessary expenses, basically showing us if we are wasting money by buying things we don't even need or end up not using. Additionally, as I stated earlier, tracking expenses helps us make financial planning or budgeting easier as it already gives us an idea of how much we usually spend, how much money we need, and how much we should be able to save or invest. Lastly, it gives us an idea of where our limit should be as we already have a general knowledge of our average expenses, hence if we overpass that we can easily stop or limit ourselves.

Source (web post): https://www.bca.co.id/en/informasi/Edukatips/2023/03/20/03/57/manfaat-mencatat-pengeluaran-yang-perlu-kamu-ketahui
1371  Economy / Gambling discussion / Re: I can’t cope on my own. What do you think I should do? on: August 31, 2023, 11:57:14 PM
Changing a bad habit is truly hard and a lot are struggling too, so don't worry you are not alone here. You are in fact much better than to the most of us because you have stop playing gambling even for some months. If you think you are losing too much again, just do the same thing which is to stop gambling after some months.

Now about the Telegram group, maybe you need to try availing their VIP since you said you already earn decent profits from their free trials. There must be a basic membership there. You can go on it first and if things are still great, you can choose to upgrade it on the next tier and so on for an even better benefits. Good luck !

Acknowledging the fact that you are already addicted to gambling is actually a great step in moving towards a life without gambling. This is the part where a lot of addicts fail: recognizing that what they're doing is already damaging them and not really helping anything to better their situation. Sure that there will be relapses and getting back to old habits, but taking the first step is always the hardest thing to do no matter the activity is.
1372  Economy / Gambling discussion / Re: Has your Responsible Gambling had any of these Effects on You? on: August 31, 2023, 11:50:12 PM
This is not a case of being addicted to gambling. There are people who are actually in control of their gambling habits or addiction. For instance, they do not gamble beyond their budget; they commit an hour or two to gambling per week or twice per week and strictly adhere to it, among all other things. We have heard and read stories here and out there about how gambling ruins lives, careers, relationships, throws people into debt and more. But my question is, could this be happening to everybody? Has your responsible gambling habit had any positive effects on your relationships with your spouse, kids, parents, and others? Has it improved your finances and helped you stay out of debt? Has it improved your mental health and well being in anyway? Has it been able to help you meet an urgent need? Let's discuss.

I did this for almost 2 years regularly, and I'd say that it helped me kill time and nothing else. I am a very frugal person that strictly adheres to my spending budget, and never did I go over my $20 set budget in dice weekly. I also allot an hour or two every Saturday on gambling, and I have complied to it regularly and have never exceeded on those hours I mentioned. I guess what it taught me the most is practicing my self-discipline. I stuck to it every step of the way and until now, I carry that self-discipline no matter the activity or schedule is.
1373  Economy / Gambling discussion / Re: Importance of Gambling to the society on: August 31, 2023, 11:42:02 PM
This board has a lot of topic that comprises with the negativity about gambling addiction. Let’s change it for now to support the casino we are promoting here.

Gambling is important to the society because it provides huge taxes that government use on hospitals, infrastructure and other projects to help its citizens. Monacco country is popular with their casino but they don't allow its citizen to play. This shows how important gambling in their country because they still allowed to operate it even though they don't want citizens to be involved.

In our country, Our lottery use the proceeds to donate on the health center that provides free health service to our citizens.

Even if gambling commonly view as negative by commoner. Many didn't notice how big is the contribution of gambling to the society.


Reference for this topic: https://harbert.auburn.edu/binaries/documents/center-for-ethical-organizational-cultures/debate_issues/gambling.pdf


What is the benefits of gambling to your society?
There are quite a lot of good things that can be achieved by a country when the gambling business in that country is well supervised by them (like the country of Monaco that you mentioned) because gambling activities have become a favorite of many people even in countries that prohibit gambling.  Even though the income from gambling taxes in our country is not large enough, many of the casino business here donate to orphanages and people in need by distributing food or clothing on several occasions.  Gambling cannot be eradicated from human DNA today, banning gambling will only make illegal gambling grow.

Countries with a successful gambling industry are actually hotspots for gambling tourists, and that hits two birds in one stone. It improves tourism, creates jobs, and also improves the gambling industry. Gambling is not necessarily a bad thing if you look at a wider perspective, and it only becomes a problem if. you're looking at it at an individual scale. IMO gambling helped create a lot of industries and helped the public by means of posting taxes. It's just that we're focused much on the micro scale of things hence why we vilify gambling so much.
1374  Economy / Gambling discussion / Re: Slots with the purchase of bonus games - is it good or bad? on: August 31, 2023, 11:20:06 PM
Bonus games are actually a good implementation as it gives the gambler a few chances in getting profits for a limited time. In vanilla slots, you are straight up battling against your chances and that, IMO, is something that will give you a smaller window of winning compared to the bonus games. IMO casino games including slots are a lot more 'forgiving' with the RTP system and bonus games compared to the platforms of old.
1375  Economy / Gambling discussion / Re: Hypothetical Question on: August 31, 2023, 10:45:54 PM
I wouldn't take a loan from the bank, but perhaps from close friends and family in order to increase my bet size and claim the free money. Though for sure if it's a 100% guaranteed win, the odds will be extremely low or even close to 1 to which only those who have huge bets will profit. I'm also sure that the oddsmakers also know about this and will surely be shifting the advantage to those whom they work for, so it's only a worthwhile bet to those who have deep pockets, for sure.
1376  Local / Altcoins (Pilipinas) / Re: Globe at Smart papasok sa mundo ng NFT? on: August 31, 2023, 07:15:22 AM
Well, hindi rin ako sigurado sa development na ito. According sa article na ito ng Crypto Adventure nitong June 2023, may potensya pa rin na mag grow at develop ang NFT since tumaas ng tenfold ang number ng NFT holders ng past years, exactly 12.62%, o around 4.3 million ng April. Ang NFT lending market din ay nagkaroon ng magandang pagbabago o increase ng first quarter ng taon (January to March) na umabot ng halos $25 million. At isa pa sigurado rin naman na nagkaroon ng study muna ang Globe at Smart bago gawin ang desisyon na ito at mukhang may mas malawak na plano pa sila regarding dito. I guess we'll just see in the next few months, at sana maging maganda ang mga pagbabago na ito at resulta.

https://cryptoadventure.com/community/articles/nfts-in-2023-are-still-a-thing/#:~:text=NFTs%20are%20certainly%20still%20a,platforms%20and%20investment%20methods%20evolving.
1377  Bitcoin / Bitcoin Discussion / Re: What are your reasons for adopting cryptocurrency? on: August 31, 2023, 06:49:58 AM
I am a student, I was looking for a way to make money or grow existing capital. I was initially thinking that crypto is something digital money where I can invest my money and it will automatically  grow in 2×,3x in less time.
After after registering on this forum my view is totally changed on cryptocurrency and bitcoin.
You need to ask that question to major people who doesn't understand anything about crypto. Like anonymity, decentralisation, blockchain, etc.
And we cannot ignore 'for making money'

Well, that is definitely the most common misconception that a lot of people have for Bitcoin and cryptocurrency in general -- investing will give profit that will grow around 2 to 3 times the money initially invested. This is also why there is a negative image and idea surrounding crypto because people think and feel like they were scammed or fooled when they did not get the profit they expected to get in such a short amount of time, which is actually a result of them not learning and doing their own research about how the system actually works.

Glad that you realized this early though, happy that the forum helped. Just always remember that the opinions, suggestions, and advice being given here in the forum that you want to apply to your own decisions, actions, and self should always be backed by either your own research or their credible resources, that way you'll be confident to know that you are not just getting random spills.
1378  Bitcoin / Bitcoin Discussion / Re: Machine Learning and Bitcoin on: August 31, 2023, 06:19:35 AM
Not gonna lie, your post made me really curious despite not being too into and curious about Artificial intelligence (AI), but your post really got my attention so I did some research and maybe this will help answer your question in a way. First, the connection between AI and blockchain is mainly about improving technologies to detect suspicious activities and improve security, which makes a lot of sense. Moreover, this connection will also implement or develop tools for market forecasting.

So, essentially, the connection will be more on improving blockchain security which is very important for us.

Here's the source I found, in case you want to read it yourself and find a better explanation: https://b2broker.com/news/how-ai-will-affect-cryptocurrency-market/
1379  Economy / Economics / Re: What Actually Drives People/Gov to Adopt New and Bold Decisions on: August 31, 2023, 05:53:27 AM
What Actually Drives People/Gov to Adopt New and Bold Decisions
It is not only the government that do hesitate to make or implement new decisions. It is the nature of man to always continue with what he knows how to do whether it is bringing the best result or not. Man by nature hates changes, especially when they don't know the outcome of that change.
This is the reason why even in organisations and families, it takes an extra mind to implement any decisions.  We are willing to rely and continue doing what we know how to do without having issues.
We, including myself, are fond of the familiar. Comparable to ordering the same dish every time you dine out. Why? Because we recognise it and enjoy it

But here's the problem - and I've witnessed this in real estate, businesses, and everywhere else - there is a fear of the unknown. Now, it's not completely baseless; it has some foundation. In organisations and families, a constant equilibrium exists, correct? You are balancing the known with the unknown. But, and this is where I believe we part ways, I believe that the unknown can sometimes be... exciting? A challenge? You choose the term

However, decisions are difficult. People have made countless decisions. But perhaps the time has come for us to view change not as a dark cloud, but as a golden opportunity pounding on our doors

I do agree with you. The thing is both ways have pros and cons. For example, if we decide to stay with what we are comfortable is (which let's be real here, a lot of people do due to the safety we feel from being familiar with it and knowing what's to come) then there is the cons and risk of losing an opportunity that brings a change that could have made things better. However, if we decide to take the risk of change and welcome it, there is the negative side of bad outcomes and danger that could have been avoided if we just stick with what we know.

Hence, in this situation wherein it is difficult to make a decision by choosing, analyzing, and laying out possible outcomes for both gives a better understanding of the options you have.

Nonetheless, I'm sure there are other factors that influence people's decisions on whether or not they wanna stick with what they know or learn something new.
1380  Economy / Economics / Re: Bad economic situation makes bitcoins more difficult to keep. on: August 31, 2023, 04:59:09 AM
At the end of the day, it is your bitcoin, it is your property and it should be your decision how you will handle it. If you feel and think that your coins should stay where they are now is the best way to do then go ahead, no one knows your financial capacity and state more than you do. And I agree with you, Bitcoin and the system is a slow and steady process, we all want to make a profit off it after all.
"We all want to make a profit" But the problem is that not all can HODL long enough to make it happen but these people can try trading instead or short-term investing by starting to buy at the dip. If we badly need a money but we are still at a loss if ever we will sell our Bitcoin's, it's better to think of other ways first to have a money.

Maybe we can sell the item that we rarely use? Or we can also take a loan? But if only we learn how to budget and save up and maybe add another lite job to earn an extra income, we won't end up like that. We should not put the blame on the bad economy or on how our government runs it. The problem is only us.

As much as there is a certain degree that the government is responsible for our financial situation such as the lack of job opportunities and low income for public and government workers (which is a whole new discussion, I am very hesitant to touch since it is different in every country), we are ultimately responsible for our own situations. It is our actions, decisions, and even lack of those that lead us to where we are. See, the problem is, most of those who are putting the blame on others like the bad economy and government, are those who are letting themselves be stuck in a bad situation, letting themselves just be there and believing that there is no other way out as their initial plan and ideas did not work or resulted to a negative outcome. Moreover, these "complainers" (as I'd like to refer to them) do not find ways to acknowledge and solve the problems but instead, let the problems devour them and find other means to blame and run away from their responsibilities. The key to ensuring that you are able to move forward, despite the hurdles that outside factors bring (including unexpected situations) is to stick up for your decisions and actions, even if they bring more problems and negative outcomes, if you take responsibility for these you will learn to solve them one by one and find a way out of them and turn bad results to opportunities.
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