I had this barber friend in a neighboring hood I lived a few years ago who is a very good barber and has his own barbershop. He does home service from time to time too. He’s really good so he has a lot of customers but at the end of the month he always struggles to pay the rent of his shop. I spent most of my free time with him at his shop so I know the number of customers that walk in for a haircut daily and I know what his rates are, so by calculations, he should be making enough money even after rent and other expenses required to run the shop. So one day when he complains about rent I asked him how much he makes in a week and he couldn't tell me an estimated number.
Long story short, I educated him on how to keep financial records and record every single penny that comes in and goes out of his business. I also made him understand how this can help him cut losses and make more profit.
The point of this whole story is that I have encountered a lot of people who have small businesses and don't even bother about keeping records in their businesses and this single reason could be a hindrance to growing your business.
No matter the kind of business you do, you should be able to know if you are making a profit or running at a loss. After analyzing a distant relative business I found out that she was taking money from another business to sustain another business. In the long run, both businesses will go under. Not only does a good financial record help minimize losses but it also helps lessen the burden of your taxes.
You don't have to be a big corporation before you keep a record of your daily financial transactions. And no, it doesn't have to be a perfect or standard financial record or statement. It could be done in any way you and the next person will understand. It should just include all the money coming into your business and all the money going out of the business in whatever form. At the end of the day, you should be able to know how much you made in total, how much you have at hand at the moment, how much went to your bank account, how much is in the hands of debtors, how much you owe for bills and to your customers or any other person or entity.
An accurate financial record helps you;
Know the progress of your business: It's through the financial record that you know if your little business is safe or about to go under. If your business is safe your records will also let you know how safe you are. When your records have enlightened you on the future of your business then you can now make a decision based on what the financial records show.
Identify income sources and reduce unnecessary expenses: When you look at your financial records at the end of the month and you see the business not heading in the desired direction, then you do something about it, You can either start cutting down expenses that are not necessary or identify the part of your business that generate the most income and put more focus on it.
Allows you to attain complete regulatory compliance: I stated earlier that an accurate financial record helps with your taxes. Of course, you have to pay taxes, but you can't do that accurately if you don't keep an accurate financial record and that might put you and your business in trouble with the regulatory bodies in the future. Not only does our financial record help figure out your taxes but it also supports the items written on your tax returns.
There are many more benefits of keeping financial records and I know it's not the most exciting part of your business but it is essential to your business. It doesn't matter how small your business is, be it, laundry, hair salon, boutique, online store, etc, always keep financial records.
I have always wanted to organize something like a free seminar and educate the owners of small businesses in my community about this but I'm a very introverted and shy person so I don't know how to go about it, please I will appreciate ideas.
Some of this sounds fairly obvious, the main one being keeping track of your finances - you must be on top of your incomings and outgoings if you want to identify whether your business is successful. It's key to also look at all the secondary expenses that you may overlook, like driving to and from the work premises can add up to a lot of money over time, so you better be paying yourself a salary that can cover that too. Not to mention, most people will have to submit financial records in the form of tax returns, both personal and for a business they run, so it's better to keep a running tally instead of letting it pile up into a huge job performed once a year. |
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Most of the time I play Blackjack & Dice. I have always noticed that when I bet a large amount I am a loser when it comes to Dice. Also in case of Blackjack when I bet big amount I get wrong card due to which I lose the bet. On the other hand when I bet small amount I win in case of Dice and if I bet small amount multiple times I win multiple times. In Blackjack, when I bet small amounts, I am always get good cards and win the bets. Thus the cycle continues. I have noticed that it is not an easy thing to withdraw from having achieved something great. I always gamble for fun with small amounts and lose them but I don't care. But I started playing blackjack yesterday with $1k and noticed that the casino sites are somehow cheating us. I lost my $1k yesterday. through Blackjack. What do you think about casino site algorithms? Are they cheating with us?
Surely in the scenario you've described, why would you not keep betting small - if you supposedly win off them, or just keep your betting pattern consistent. It's not like you have any control over the outcome of the game, you think that somehow controlling the bet amount means you can predict the outcomes. If you are betting bigger amounts and losing it is going to sting a lot more, so that becomes more memorable and your small bets become more cloudy. I think it's obscene to blow through $1,000 in a day on a website which tells you that the house has the advantage, it means that given a long enough time period they will take every penny of your money and they have done just that. |
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In my country i observed so many people doing rally and blame the government why the basic needs price rise and the salary is still very low and not enough for daily expenses, is this the effect of the Ukraine and russia war that makes the gas or crude oil so high at price and they pass the gas expenses to the product and it ends to very high price of the basic needs that make us very poor, I see government has a move to resolve the problem but many people are still blaming the government.
The government could potentially achieve this, countries like Norway with it's sovereign wealth fund - where oil money was directed into a big public purse instead of being sold of for pennies to private shareholders, are rather successful. However politicians are often short term, very egotistical and usually looking out for their own interests in the long run. Whether that means they have subtle bribery teased in front of them, like cushy consulting jobs after retirement or generous hospitality packages for smaller favors. The world of business is constantly trying to manipulate laws to increase their advantage, maybe by stifling competitors or deregulating at the public expense. |
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With how much CBDC's are being developed for use as a legal tender, do you think there is a future for gambling with CBDC's? Last year (2022), Macau which is popularly known as the gambling capital of the world due to it's booming casino business were planning to give CBDC's the status other accepted Legal tenders had. It raised the question of it this will prompt casino's in the city to begin accepting CBDC's for gambling? The government in Macau did not say when; The government has not established a deadline for when or which digital currencies will be accepted
But it is something to expect. If Casino's in Macau begin accepting CBDC's, It may prompt other casino's to follow suit especially in places where CBDC's already have the Legal Tender status. Gambling Capital of the World Macau to accept CBDC as Legal tenderIt sounds, as always, that this is in the most basic and early stages of becoming a possibility based on the information in that article. Anything connected to China is also going to be a grey area, good luck getting your money out if a company goes rogue or they simple decide not to pay you or a politician decides to change the law one day. The fact that China has banned Bitcoin shows they are clearly against the whole idea of cryptocurrency, which fits in with their theme of trying to centralize control of everything, which has been shown to fail many times throughout history. It will become an interesting story when a more free and structured government starts to allow this functionality. |
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Some will call this a stupid question 😅 but yea, it's just something that came to my mind today after giving a lot of thoughts about Bitcoin.
Is possible to open a personal savings account in the bank and always send money to that account and when you are ready to collect the money, bank will give it to you, my question is, is it possible to also creat a Bitcoin wallet and always send Bitcoin to it as a savings? if you do that for some year without going back to the wallet, will anything happen to your Bitcoin or the wallet?
There is nothing similar to bitcoin savings that I know of because it requires a rather sophisticated financial setup which is probably far too risky with the volatility cryptocurrency has shown. Essentially most banks offer a return on savings deposited with them by lending that money back out at higher rates, through relatively stable fiat currency transactions. The problem is that people tend to convert any Bitcoin borrowed directly to fiat currency, which means that if there is a problem with the borrower or the asset, like Bitcoin suddenly sky rocketing in value - it can cause all sorts of problems. Is the borrower expected to repay both the payment rate agreed but also the skyrocketed price of Bitcoin now they have to buy back into it with much more fiat currency. |
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I was recently browsing the internet on a topic as to why cryptocurrency gambling games are so addictive. This topic is not only about online crypto gambling please do remember this before replying. While going through multiple websites for my topic I found out that the online gambling industry has been growing rapidly. The growth has been significant as in 2021 the global online gambling industry size was recorded at $61.5 Billion, whereas it went up to $79.8 Billion in 2022. The rise as per my understanding is significant. While going through different websites I stumbled upon many websites which were about the top most played games in online casinos in 2021-2022. I have listed down the top 4 most played games below but my question is which one of these do you consider to be a game of skill or a game of chance? - Slots
- Balckjack
- Baccarat
- Poker
I think Slots is a game of chance and Poker is a game of skills. Do you agree? It's obvious and doesn't need much discussion - which games have people been able to master over entire lifetimes and turn a profit? It's basically only poker on that list, which still includes an element of chance but it can be overruled in the long run by skilled players. A truly skilled poker player can read others around them, subtly price up bets to determine value, bluff their hands if positioned perfectly and generally take many profitable steps. However blackjack (not including card counting which will get you ejected) will always favor the house in the long run, as the dealer will have a fixed play up to 16 or 17. Slots are a farce and nothing other than flashing lights, noises and graphics trying to visually impress. |
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I think you all noticed that the stock market went down again and this time it's because of Credit Suisse.
It is still one of the biggest banks in Europe so the European banking sector has some problems too.
Their bonds, CDS, everything is going down and it's bad news not just for people from Europe but for everyone cos this is international.
Credit Suisse had some problems in previous years but this time it's wild. They delayed their annual report and announced that they have weaknesses in internal control which is awful for the bank. And the largest shareholders started saying that they won't give any money to Credit Suisse. People are withdrawing from this bank for the last 3 months but now it's got even worse.
Because risk is getting higher, people move away from banks to invest in more stable assets. The US is helping banks to bail out depositors but banks still have to keep credit flowing which is pretty hard considering the loss of trust in this sector.
I think the best decision right now is to wait for what will happen next because it's pretty hard to predict where the market will move next.
"Waiting to see what will happen" is honestly the most terrible idea in times of panic, it needs to be treated immediately and decisively. Luckily the Swiss government stepped in to back the bank and then UBS was in a position to take it over, restoring an element of calm around the recent banking crisis. The real problem is how lazy central bankers and governments were, taking the easy ride by keeping interest rates low for so long, allowing cheap money to flood into all sorts of places while stable government bonds were sidelined. They looked really clever, but in reality they got away with doing very little when rates were sub 2% and were praised as genuises - it was bound to cause a disaster eventually, especially now raises are so fast. |
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here a small opinion by my thinking ,
it is obvious we will lose 90% of the time in gambling,
so, think an influencer referred anyone, who is very new to gambling and deposited some money in greed of the welcome bonus provided by casino, then he knew, to claim this welcome bonus he need to wager the required amount to claim the bonus, while wagering he won in starting and he was feeling very happy first day of gambling, and now comes, second day he logged into the site to wager more to claim bonus and after playing some time he lost some money and he started doubling the bet amount to recover his losses, and by doubling bets many times he busted his whole account and made balance=0, and if he is smart enough(many of new are very smart they deposit second time to claim bonus and recover their losses but, not that much smart there eyes become blind by seeing quick profits and losses they do not able to revise that 90% of the time i will lose at this gambling game) and he is smart and deposited second time by deciding that, i will wager the left required amount and claim the bonus then never ever will gamble, but this time also he losed all, then he is depressed and thinking in different way (thinking that i will deposit one more time, when i first tried i doubled my account so this time i will deposit something big amount then previous amount) then this cycle repeats many times , and after all he fall into depression may sometimes many people sell their house and cars and live very bad life and their family also suffer for his/their mistake,
You make a lot of bad points quite frankly. You talk about promoters not telling you the terms and conditions, yet they are plainly found on every single gambling span and can cover many pages of content. It is the responsibility of anyone who is spending money to read them and understand what they're doing, they often agree to this right there on the registration page but only complain when they don't beat the house. You also ignore the fact that everyone who takes part in casinos or gambling in general, thinks they are more clever than these huge companies and that they will somehow get a magical shortcut to massive wealth, that too is the definition of greedy. |
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Do you think social media is now becoming more a place for business than socializing, Could it be as a result of digitalization and things moving online or more people now starting business online because of need to somehow generate income or another source of income for self to survive the economic situations which is becoming tougher?
Social media companies are definitely trying to squeeze in as much advertising as possible to users, but in fairness they have to manage and pay for the upkeep of the site with at least a little profit expected too. However they are also fairly lenient and even encourage the trend of so-called influencers because it draws new visitors in to their site. It's good for the end user or even aspiring newcomers who have the opportunity to fill in new gaps in the market to establish their own brand. There is definitely more opportunity than ever before and once you get through the initial hurdle of establishing a base then it is pretty much a good income from that point if you continue publishing. |
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Gambling or betting is moving beyond just casinos and sports to other sectors of the economy. There is a thread here on betting for the 2024 United States election, and another one for the Oscars. I have seen people bet on movie characters and all sorts of things. This is not to say that they are addicted to gambling. I think we do it for fun, as a form of socializing. While thinking about it today, I wondered what the strangest bet I had ever had was. I remembered having a bet with my brother that he would give me $80 if I could eat 5 packs of 200g of instant noodles in less than 5 minutes, and if I couldn't, I would give him $90. What is the strangest bet you have ever had?
Personally it was betting on the most recent presidential election in the US for Biden and it was a little strange to see the bet settle so late after what should have been a clear outcome. Think the gambling company paid out after a few days but the bet sat in my account for another few months while all the legal wrangling was taking place through the courts. I even remember there were some pretty crazy odds against Trump winning his first presidential election campaign that would have paid off nicely if people took the chance on him at the time. Now though he is too tarnished, bitter and is unlikely ever to make it back successfully into that position again. |
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I don't know if anyone is thinking the same thing, Banks are collapsing and they want to regulate crypto? How is this going to be possible? How can a corrupt system brings a transparent regulation to the crypto space? I think that this regulation is a FAD, the aim behind this regulation is not about saving mankind from crypto rug pulls, I think the plan is to squeeze the life out of crypto because of the attention its getting.
If anything needs regulation, it is CENTRALIZED EXCHANGES only.
Your message is too open ended, there are over 200 countries out there each doing their own thing when it comes to cryptocurrency and they are definitely not all aligned. However if you're talking about countries like the US and Europe, they are already regulating cryptocurrency to some extent, long before these few banks started to fall over. Regulation is the only thing stopping the super rich from sapping every last penny out of the capitalist system, so you should be grateful that politicians are able to create and enforce these laws because the alternative is much worse. Cryptocurrency is definitely not perfect either and ignoring the bad point about it is arguably just as bad. |
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It is not like everyone is going after crypto gambling but after COVID-19 the business of online gambling has increased more than offline gambling. Although fiat online gambling users are more than crypto ones, they tend to visit an offline casino after a few online sessions as they miss the atmosphere of an offline casino.
Whereas cryptocurrency casino users would always be loyal & habitual which makes them more addicted to gambling than a fiat gamblers. Below listed are the three reasons which I think make them more inclined.
1. Immediate gratification:
One explanation could be the immediate and continuous enjoyment that bitcoin gaming offers, whether you win or lose. A cryptocurrency can be swiftly converted into fiat currency or other cryptocurrencies, as opposed to traditional gambling, which typically calls for cash or chips, what I am referring to here is offline gambling. This feeling of immediate satisfaction can increase excitement and encourage players to keep playing.
2. Anonymity:
The amount of privacy gained by gambling with cryptocurrencies is unbelievable! Non-KYC platform, which is common may make some people feel more secure since they can offer a level of secrecy and security that more traditional forms of gambling cannot. This sense of anonymity may make it easier for individuals to engage in risky or addictive behaviors without fear of being judged or identified.
3. Thrill of volatility:
We are all aware of how unpredictable the cryptocurrency market is, with prices varying quickly and erratically. Some people may become addicted to the "high-risk, high-reward" mentality as a result of this volatility. Even though it may result in severe financial loss, they may get high from taking chances and placing large wagers.
Do you guys think my assessment is to the point or do you think there are more reasons related to cryptocurrency gambling addiction? Please go ahead and reply to this thread. If you have a valid point that I think is related to this thread then I would add it to this topic.
None of these seem to be true, any more at least. It's ironic that you list "immediate gratification" yet state that cryptocurrency has to be converted from and to fiat currency, do you not seem the paradox there? You're adding an extra step which would slow things down on both sides of the trade, fiat casinos are way faster in that sense. I'm not sure that anonymity is necessarily a good thing either, because if you are allowed to be anonymous then chances are the casino owner will take steps to be anonymous too, that's all fine when things are going well, but you could wake up one day and find your balance has vanished into thin air. Volatility is also meaningless, because you are already gambling. |
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Why is there so much scarcity of money in different nations of the world, is there any crisis affecting UN's economy? People hardly meet up this days, the government has failed us, the banks are not working, companies and industries has reduced quality of products.
Is affecting so many countries in Africa, America and Europe, the rate of unemployment, insecurities and corruption is becoming alarming by day.
I hope we are save! The common masses are going through a lot in the street, is this kind of inflation era.
Why is money not in circulation please?
What do you mean "UN's economy"? Such a thing does not exist and you have to question whether you have any logic in your post at all. The United Nations is simply a forum where countries gather to share policy ideas and try to resolve disputes. It can also send out peacekeepers and do various other jobs with the support of it's members. What I find with posts like this, full of doom and gloom, is that the writers are at the very bottom of the job market and think that their misfortune applies to everyone. There is lots of money out there, but you have to know where to look, get creative with your ideas and resourceful with all the information that you can gather from the internet. |
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Today I was reading some most successful businessman and other such successful people that are millionaires and also billionaires like Bill gate, Mark Zuckerberg and Other Gamblers that became millionaires because of betting.
My point is that Normal people see only their Success but they do not know that How much dark secrets are behind this.
I want to tell you a story of Successful Businessman in country who is Real Estate businessman and Rich people love to Invest in their housing Schemes. But He Gets access to most valuable land whom he gets it by hook or crook. My mean he Is partially a landlord and he has Done high damage to the poor people and they have lost their homes.
And Normal people do not know these kind of Secrets behind all of this and also on Gambling thing where a very minority of people gets succeeded.
I know that a lot of OP will not agree with me and let's see what are your opinions.
You are jumping all over the place and don't seem to have much clue about your point. You seem to have confused risk taking by the people you name with gambling, however it is a trait that entrepreneurs have and need to go through in order to succeed. Most successful people are successful purely because they persevere, they identify and accept failures when they happen and move on to the next idea or tweak the original one that failed. Land barons do not fall into the same category, often they get such possessions handed down and they do no productive work for the rent that they seek - it's an entirely different class and should be shunned as they are leaches on society. |
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"186 US banks may still collapse in the near future."  In 2019, I made a thread on this forum entitled: Report: More Than 50% of the Worlds Banks May Be Too Weak To Survive A Recession: https://bitcointalk.org/index.php?topic=5195846.0. The topic of whether banks could survive economic downturn propelled by COVID-19 has been on my mind for the last 4 years. Perhaps now we are seeing some of the unfortunate fallout. The narrative of failing banks dates back to the economic crisis of 2008. And even further back to the banking industry becoming increasingly deregulated. It's hard to know what to believe at the moment, as there are other so-called experts who state that banks are much better capitalized in general compared to the 2008 crisis. No recession or crisis tends to be like the others, but the subprime mortgage crisis was a whole different beast and it's hard to compare. What I heard before was that central banks left rates low for far too long, instead of slowly ratcheting them up they had to rush a really sharp spike of rates and now we're seeing the fallout of that. It shows that even the policymakers make very poor decisions if it means they have a comfier job and they don't want to annoy the public. If there are any more bank failures it is going to create ever more jitters. |
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There are people like me who dislike KYC verification requirements from online casinos, and I always have two complaints about it.
1. Why the need for KYC.
2. Why pretend they won't ask for KYC, but ask for verification after a big win.
While my lack of knowledge has kept me away from several big online casinos in this forum, I decided to do some additional research in my spare time.
Some Facts Why KYC Verification is a Necessity For Online Casinos.
~Online gambling businesses have become more attractive since the Covid19 days, more money entered the gambling business, making the attention very noticeable, also a good opportunity for the law to go after them.
~There are penalties on online gambling necks too, they have to implement anti-money laundering procedures just to survive, many online gambling platforms faced the panel in the past and ceased to exist.
~You have no idea how much these companies spend per year just to be friendly to the law and pass criterion regulations and business procedures, it is called intense regulation, to avoid fines.
~The only way these people can avoid the mistake of allowing fraudsters into their system ( gambling platform ) is by having KYC and AML (anti-money laundering ) in place.
~If you see another way that I don't, do drop your comment, because people can't be trusted, they will pretend to be a random online gambler but they have other bad intentions in mind.
From now henceforth, my assumptions about KYC verification from reputable online gambling platforms have changed, I seek for answers and I find them, drop your opinions if you think I am wrong or you think this is not accurate enough.
I think the "Covid effect" where casinos got a bump from many people being bored and staying at home is well and truly over. It's business as usual right now and share prices have declined, so competition is more cutthroat than ever in this industry. That being said, KYC is essential for any decent casino because it will normally mean that they are in a stable jurisdiction which is more likely to protect your money and any winnings that might materialize. You definitely have to be wary of fake casinos seeking to harvest this sort of private information, especially now it's becoming more normalized, people might hand over sensitive documents like passport or driving licence information which can be abused further if it ends up in the wrong hands. |
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Bitcoin is a technology that makes our life easier. It does not melt in the face of inflation like fiat currencies. It frees us from the bondage of banks, as it allows us to transfer money without the need for third parties. It has great features.
- However, despite being a new technology, it has very high energy consumption. However, everyone would like it to consume less energy.
- Also, it has been known and traded for years but still has very high volatility. With this appearance, it scares new investors. Because everyone expected it to have a more balanced price performance.
- World history is full of wars. Perhaps we are living through one of the best periods in history. But because of us homosapiens, our world is very prone to chaos. Coins that do not have an armed force behind them, such as Bitcoin, may be a little unlucky in this regard.
I think these three problems may not be solved and these three problems may prevent bitcoin from being a reserve currency.
What do you think about the subject? Can you share some enlightening information for me?
It's highly unlikely Bitcoin or any cryptocurrency could ever achieve this status, not least because the USA gets a lot of perks from hosting this status and would put up an incredible fight before they relinquish it. They're more likely to ban cryptocurrency outright if the idea of this threat were to ever become real, that would naturally prevent it from happening as they are one of the largest and most dynamic economies in the world. There is another issue that is more likely to prevent it from happening - Bitcoin is too inflexible, sure you can go to infinite decimal places, but that kind of defeats the supposed "zero inflation" ability and the transaction ability is simply not fast enough, plus there will be the ever present danger of a 51% attack or other vulnerability. |
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From my understanding of wrestle mania WWE,I see it as a fixed fight,which there is an agreement of who will win the fight. Despite all these people still buy tickets to watch the fight. I don't see this as a transparent fight,but people still bet on this fight. Is it that they are ignorant of this fight fixing or they are addicted to gambling and just bet on whatever come across them. As a gambler will you bet on such fight,when you know that the fight is fixed and the outcome of the fight is not for real,or will you go ahead to bet for fun?
It's a bit of a dumb concept really, but the only people really pushing it are WWF themselves because they want to host the gambling side of it. There is a massive conflict of interest at the heart of this sort of gambling, because like you say - they define who wins every single match. You could argue it's like betting on a stage show which could have multiple endings, you're not betting on a random outcome or any type of player skill. It will be very misleading and could potentially be penalized in certain countries because they're taking rigging to a whole other level. If you're a true sports gambler then it would not interest you at all and you should simply warn people away from it. |
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To make myself clear, this thread is not about complaint or confusion. Actually, I am more than fulfilled to chase my financial goals. This question only comes when I stop to think about the deep meaning of finance-free. Whether you are young or old, man or woman, money is what keeps you live and live well in the world. Being financial independent and sufficient is everyone's dream. However, have you thought about the losses in exchange for the material gains ? When you barely make ends meet, you'll bust yourself to make more money; when you actually make a lot of money, you'll find yourself in a position that is either stressful or boring. I wonder the purpose of making money can be easily distorted and sometimes we tend to lose ourselves in pursuit of money, instead of happiness. Just a fleeting thought, no big deal.
You definitely need to find a fair balance and a happy medium if you've found the magic ingredients to financial success. You should definitely spend money on important things, like travelling or any hobbies, going for meals out or entertainment like comedy shows. There are some people out there who scrim and scrape every single penny, sometimes at the expense of the people around them, in order to be "financially free", however they then realize they are 45 years old with creaking bones and aching muscles, who no longer have the energy to do all the things they had dreamed of doing with this freedom. You need to live in the moment and explore all the beautiful things life has to offer, which is not all about money. |
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There's a lot of talk in my neighborhood about slot games. It's a little logical when I listen to each of their conversations saying that players will never win until whenever and players will win when they stop being players and become admins.
The sentence that players never win and will only win when players become admins has always been a big question mark. Does anyone know how to become a slot admin?
Admins? You presumably mean the owner of these casino sites which is quite different, they are the biggest winners because admin type roles will only be pulling a salary from being part of the casino staff. At the beginning of cryptocurrency the market was a lot easier to break into and that's how some early companies started on a very low budget. However nowadays you will need millions to get a casino to the point of being super successful and paying for itself. If for no other reason than the moment you are identified as earning a lot of money, you will become a target and have to pay a lot for security to fend off different types of attacks. You'll also need to pay out a lot in terms of welcome bonuses and advertising campaigns, otherwise it will take a painfully long time to become distinguished and in that time if you have found a unique selling point it will be copied. |
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