Saving requires high discipline and discipline can be formed by getting used to it little by little. but when inflation takes place sometimes we find it difficult to manage finances. because we need to adjust the needs that must be purchased. because the goods we usually buy will certainly increase due to inflation. so the funds to save sometimes become reduced. because now we need to spend more money for daily shopping. because the price of basic necessities continues to increase.

every coin price that is pumped is very risky for a dump to occur. so I think the pump that happened to LUNC won't last long. but LUNC looks to do a healthy pump. so the possibility of dumping will not take place quickly. even if the LUNC coin will go down then I think the decline will be slow. but now after Do kwon's arrest then I think it's very risky to get into LUNC. better to be safe.

I'm not sure to get into the LUNC coin. because it's too risky. but when the arrest warrant was issued by the South Korean government against Do Kwon, I actually felt strange about the LUNC coin. because yesterday the LUNC Coin actually rose again and the pump looks very healthy and positive. so I assume that behind the LUNC pump is not directly influenced by Do Kwon. but indeed from the belief of the community itself.

Sometimes panic is easy to affect the performance of our brain. so that our minds and analyzes become dull. and it is like you said that it is patience that must be applied when panic comes. although holding back is something difficult. but at least we have to be patient until our minds become clear again to make decisions that will be taken. because if we make decisions when panicking. then the decisions we take can be wrong or wrong decisions. because it is not based on careful consideration of the results of the analysis of a clear and calm mind.

totally agree with your opinion about building entrepreneurship. Opening your own business is difficult at first. because in addition to financial capital is a constraint. but the most important capital is expertise and courage in taking steps. because when we step into the entrepreneurial zone. then from there we get out of the comfort zone and safe. and it takes a lot of courage. then only people who dare to take risks are always successful in building entrepreneurship. Opening your own business is called high risk because you will not have a fixed salary like working in an office. our income depends on our success or failure in building the business itself. if we fail then the loss is obtained. but we still have an advantage in terms of lessons from the failures that we experience. so that when we start again, we already know where the mistakes that made our previous efforts failed. that is why it is said that Experience is the best teacher. In addition, the capital that must be owned by a businessman is mental capital and mindset capital. because often mental will be tested a lot in business and in entrepreneurship.

For me Gold is only suitable for Asset storage and Asset value keeper. like savings. for investment will not bring too much profit.
but bitcoin is very suitable for investment. just enter when the market is bearish like now. and when the bullrun market comes then we can see our portfolio grow. but for gold it can also be for investment but it takes a longer time. because 1-5 years will not be too much change in the price of gold. so I say gold is more suitable for maintaining and storing the value of assets or used as savings.

Somehow I feel CBDC is not really needed. because its value will be equal to the value of the country's currency itself. and can only be used in the country itself. because when we go to other countries. then we have to keep converting CBDC coin to CBDC coin in the country we are visiting. isn't that the same as ordinary money. which can be transferred via m-banking (mobile). our money is in the bank but we can transact anywhere via m-banking on our mobile phone. isn't that practical? and if go to another country. then we just exchange our money into the money of the country visited. and even then it can be done only through internet transactions or m-banking. without having to hold money in hand.
So what is the difference between CBDC functions and ordinary currencies that can be used practically anywhere through m-banking transactions?
maybe I'm talking like this because I don't really understand the difference in function between the two. and the advantages between the two.

but I think people need a currency that can be spent in every country without having to exchange it first. such as Bitcoin. if bitcoin is accepted in every country then the transaction will be much easier. or with other altcoins.
I have to learn more about this CBDC. because I think that way due to my lack of knowledge. and that's what people who don't understand like me say. please correct and later I will read it. because I want to learn.

correctly. When we do agriculture, the land is not too large. then it is still possible to use organic fertilizers produced by themselves, such as fermented animal urine for spray fertilizer and fermented manure for sow fertilizer. But organic fertilizers have limitations. because we cannot possibly mass produce processed organic fertilizers ourselves. so when we farm in a large area. then the need for fertilizer must be very much. while organic fertilizers are difficult to make in a short time and difficult to make in large quantities. unless there is a special industry that makes it. as in Indonesia, there are now many companies producing liquid fertilizers. with low prices but the quality is not less competitive with chemical fertilizers.
but if you have to keep buying fertilizer. then the profit will still be small. especially coupled with the price of crops that decline during inflation. fertilizer increased but agricultural yields fell. This is what is happening in some developing countries. this can trigger farmers' protests against government policies. whereas the agricultural sector is the sector that the government should pay the most attention to. because the lungs of a country are in the agricultural and livestock sectors. related to food. but I see in developing countries the government does not pay attention to the farmers. they pay more attention to the construction of high-rise buildings. construction of the office sector and toll roads. while the agricultural sector is always marginalized. even though the food crisis can bring down a country.

Mild flooding to severe flooding will all have an impact on the economy of the area.
even electricity will be cut off in the flood-affected areas. so that there is no short circuit and so that electricity does not hit the water which can cause people to be electrocuted. night conditions will be a scary night when the flood and the power goes out. then it is certain that shops and all types of business will be stopped. even the delivery and receipt of goods will be hampered. so the price spike will be very high. well, if the flood is at a catastrophic level, it destroys everything that the flood passes, such as gardens and rice fields, houses and all community property. then the economy will definitely be paralyzed there. and even worse what must be considered is that the impact is not only a matter of the economy but the survival of human life itself aka life. HR will be reduced. famine will spread. financial loss can no longer be calculated. which means we can not underestimate the occurrence of flooding. because it affects all sectors of life.

Recently I read a lot of biographies of successful people. because that's how I am. I like to motivate myself by reading stories from people who have been successful.
then I found several factors in determining a person's success. and surprisingly high IQ and high school in prestigious universities are not included in these factors. The name of the person who put forward the determining factors for success was an author of a book entitled millionaire mind, namely Thomas J. Stanley, Ph.D.

The factors that he mentioned are:
1. Honesty (Being honest with all people)
2. Hard Discipline (Being well-disciplined)
3. Easy to get along with (Getting along with people)
4. Having a supportive spouse
5. Working harder than most people
6. Love for what you do (Loving my career/business)
7. Leadership (Having strong leadership qualities)
8. Competitive personality (Having a very competitive spirit/personality)
9. Living regularly (Being very well-organized)
10. Ability to sell ideas (Having an ability to sell my ideas/products)

And I also found that the idea and definition of success according to rich people and successful people who are already famous in the world. Take Bill Gates for example.
Bill Gates defines success as Happiness. he does not measure success based on the money he has earned. Instead, he measures every achievement by his own happiness. isn't that simple? yeah it's simple. because a successful life is happy. that is when we can feel happy even though it's in ordinary moments and in ordinary conditions.

Growing crops for yourself and your family will actually be quite easy. because it certainly does not require a large area of ​​land. This is different from farming where the produce is for sale. Of course it requires a large area of ​​land as well as extra energy and high capital.

if you grow crops for yourself and your family, using chemical fertilizers will still be affordable. because buying vegetables and grains from the market will still be more expensive than growing yourself. but if we can grow plants with our own processed compost, it will be much more efficient.

but for large-scale farming it will require large amounts of fertilizer. so of course it will be difficult to make organic fertilizer on a large scale.

unless there is an agricultural group that cooperates in making it.

I'm liking the waves coin these days. because I started to see the history of the price movement of this coin. and what surprises me is that this coin can always reach ATH. and now the price I think is quite cheap. so maybe I'll think about investing in Waves. and expect to profit when the market has become positive or bullish. but I still have to investigate it further. because I don't want to suffer big losses in the future.

for Luna classic (LUNC) it looks like the pump this time is not a pump by chance. but there is indeed good news in the LUNC community. because as we know that the LUNC coin has been held by the community. so it depends on the community itself. but so far the event burn tax has been approved by many exchanges. if you want to know more you can read the news on CMC. for 0.1 I guess it will take years. because seeing the supply in circulation is so large that it is impossible to implement in the near future.

It's actually quite difficult to know which bounties are good or not. Bounties that have high potential or not will be difficult to find. I'm still a beginner so I don't know much. but at least I'm sure that a good manager will choose a good bounty project. so the reputation of the manager can be used as a reference here. because a conscientious manager will definitely not accept a project arbitrarily. because it could damage his reputation if his campaign project turned out to be a scam.

it is very likely to happen. x10 x100 x1000 already many altcoins can do that. but usually such coins will also be easy to dump quickly. the risk tends to be higher. and to benefit of course we have to be one of the earliest to enter into the new project. because if we enter at the end of course we will only get a loss or maybe a thin profit.

ETH the merge is indeed a lot to look forward to. even many are looking for information on google search. so don't be surprised if Google displays a time countdown to the merge event. but it could also be because Google recognizes the Ethereum The merge event.

I personally think. ETH will not be able to overtake bitcoin. at least for now. but we certainly don't know in the future. and it looks like the current increase in the price of ETH looks like the usual hype in general. because before the merge event. but ETH seems to have a lot of support from the government even if we type ETH in the google search field. then a countdown will appear to the merge. which means Google recognizes ETH.

I would like to inform you sir @irfan_pak10. About my account has been upgrade rank from JR member to Member. I hope you  update my Rank in sphreadsheet. Thank you very much.
and I have changed my signature from Jr member to Member signature.

true success for me is when i am able to achieve my dream and can enjoy it with my family. and able to share with others. create a harmonious life and make my life colorful and full of happiness. because actually we have a dream is because we think that if our dream is achieved then we will be happy. so success for me is happiness. because the hard work we do to achieve something is because we expect happiness in it.

I am a person who likes to raise animals. and what I feel in the current state of the economy I don't mind raising animals. The animal I keep is a cat. Their treatment does cost a hefty amount of money. but because this is a hobby and pleasure then spending money for pleasure is commonplace. But when the impact of inflation is increasingly felt. I also prefer not to buy food for my cat. better feed them what we eat. thus becoming more cost effective. but if we talk about recession then all industries will definitely be affected including the pet industry. because sometimes we are forced to reduce our hobby of pets a little when the economy is like now.