The Corona virus can't end the world , from history in time past the world has battle so many tough and deadly virus and deseases. The world is capable of defeating the Corona virus and I believe it will surely end.
I believe that we're heading towards the end of the pandemic, now with vaccines and new medicine being researched, I believe that towards the end of 2022, we'll practically have beaten Covid-19. Although, there are still countries, mostly 3rd world ones, which have extremely low vaccination rates, due to a shortage to them, blame their governments I guess. |
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When there is pain, we will want relief. And so we look for remedies. That is what's happening with the world. The cause which is covid has affected more than just the people it infects. Which is why leaders are going crazy looking for remedies to rud the world of this pain. Although there are quite a lot of varieties when we talk about conspiracies behind this pandemic, I won't dive into that. The main thought is that the world is desperate and would rather care looking for the solution that waste time pointing fingers.
The government is considering another lock down as the covid 19 pandemic surge high in this weekend countries in the UK have recorded higher number despite the vaccine. There are thousands' of cases here in Greece too, more than we used to have, however, the government is trying to avoid a full-scale lockdown. To be honest, despite the great number of cases, I believe that there isn't a budget to spend for Covid-19 repercussions, thus, they'll try to do whatever it takes to avoid it, by taking other preventive measures. |
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What's your thought about credit cards? Do you consider them a banking fraud, just to trick you to spend money you don't have, or a useful tool if used correctly? Do you have one yourself? In my case, as a student, I was issued a university card, which features a low yearly fee but also a considerably low credit limit. However, I often use it to pay bills in interest free installments (Car insurance for instance) and my gas expenses, which provide a decent cashback (I'll fill up my car once or twice a year for free).
On the other hand, there are quite a few shops here that also offer interest free installments, that way, I was able to purchase a bicycle for my girlfriend, when the budget was quite limited.
The trick on credit cards is to use them wisely, not spending more than you can afford, always pay in time, otherwise you'll get a huge interest on your balance, while at the same time, you're building a credit score.
What's your take on this? Are you against credit card usage?
Trust me if you know how to use a credit card wisely and smartly, it's just free money that the Banks are lending you for 60 days or so. But if you are not financially wise and don't know how to manage your credit cards wisely they will ruin your financial status, not only will you end up paying very exorbitant interest rates but also will be spoiling your credit scores at various instances and not only this you will be tricked into spending much much more than what you have especially if you are being offered the facility of EMI where you can split the expenditure into monthly payments, this mentality of living paycheck to paycheck is really bad and credit cards are the prime reason people get stuck in them. I know for a fact that most people aren't using them correctly, I've even seen it from my environment. It's definitely not free money, but I get what you mean, via credit cards, you're basically given an interest free loan, provided that you're careful enough when using them. I've also managed to postpone doses, by buying something the last day of the month, right when the monthly bill is issued. We don't have the credit score system here, I've mostly seen it in the USA if I'm not mistaken. |
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~snip~
~snip~ What's your thought about credit cards? Do you consider them a banking fraud,
How could this be a fraud? What is the fraud in offering you a credit card? I'm not considering credit cards a scam nor a fraud. On the contrary, however, there are quite a few people who blame credit cards and banks for their wrongdoing, they are a great tool if used correctly. As you've already mentioned, credit cards are enabling you to pay pay a relatively small amount of money each month, rather than wait to save enough to buy it in advance. |
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I am not against it per se. Some authors, like Dave Ramsey, are totally against them.
Credit cards are a very profitable product for financial institutions. I have sometimes wondered how much profit they make from people who end up deferring payments, and therefore paying interest, but it is not information that can be easily found by doing a google search.
Regarding the stores that offer free installments, it is because they know that you end up spending more than if you had to pay cash.
I have a credit card but very rarely use it, to pay for air travel if I go on trips and things like that.
They are definitely a very profitable tool for financial institutions, since most people do not know how to use them properly and end up paying thousands in interest. I haven't missed a single payment in particular. On the other hand, installments are a way of trucking you into buying something more expensive, since you won't immediately notice the difference in price. You need to be persistent on what you're looking for and stick to that. |
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What's your thought about credit cards? Do you consider them a banking fraud, just to trick you to spend money you don't have, or a useful tool if used correctly? Do you have one yourself? In my case, as a student, I was issued a university card, which features a low yearly fee but also a considerably low credit limit. However, I often use it to pay bills in interest free installments (Car insurance for instance) and my gas expenses, which provide a decent cashback (I'll fill up my car once or twice a year for free).
On the other hand, there are quite a few shops here that also offer interest free installments, that way, I was able to purchase a bicycle for my girlfriend, when the budget was quite limited.
The trick on credit cards is to use them wisely, not spending more than you can afford, always pay in time, otherwise you'll get a huge interest on your balance, while at the same time, you're building a credit score.
What's your take on this? Are you against credit card usage?
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I haven't bought anything of worth with Bitcoin, only used it in the past, to purchase digital goods, now I'm trying to hoard as much as possible. I was never keen on using my Bitcoin, since quite a few years have passed since I used them for purchasing, anyway, back in 2015, I purchased two Minecraft accounts, for a considerable amount of Bitcoin.
To be honest, I'd rather have spent $25 for the original thing, with a simple credit card, rather than Bitcoin.
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No one is going to make you a manager in his business, just because you graduated with something relevant, many years are likely to pass, doing lesser jobs and being a simple employee, till you can gain a significant position in someone's business. On the other hand, building your own from scratch isn't that simple, nowadays, everything is online, and automated, you'll need to be persistent and most importantly, innovative to succeed, which will take quite a few years, if it ever happens.
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So many anti bitcoin laws and policies that seek to undermine the existence of bitcoin have been made by government and countries all seeking the centralization of currencies within it region and since bitcoin is a decentralized digital currency most government are against it.
Crypto is here to stay, and no amount of regulation will stop the anonymity. Those regulations you're talking about are mostly geared towards Exchanges and trading platforms. Even if custodial wallets are regulated, you still have the option to create your own wallet in different forms. Having your monetary assets stored and secured in a harddrive is such an interesting reality that crypto has come to offer. I don't think any government would regulate your harddrive. While it's practically impossible to regulate cryptocurrencies, governments may actually impose tax measures to anyone dealing with crypto and exchanges in general. As a result, we'll have a hard(er) time cashing out earnings in fiat. Despite us being all about crypto and Bitcoin, eventually, we'll all have to turn some of them at least, into fiat, which might result in profit loss and declaration of income, if more regulations take place. |
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The subject of money in particular is controversial, speaking for myself, I'm working a regular job, getting paid above average each month, while also doing some online work such as signature campaigns and staking coins on various platforms. I'm making enough money to make ends up and on the plus side, setting aside a decent sum of money from my salary, as well as any other amount earned online, is set aside as savings.
Earning above average doesn't mean that you are going perfect to secure your life to lead like how you are doing even after retirement because in almost all the countries, below average people are in more number which drags the per-capita into lower side. If you are going to reduce your requirements after retirement then your current earnings may match your requirements. You must invest up to 20% of your earning into something which will be getting you higher interest than the inflation rate of your country. Otherwise, your standard of living may get affected after retirement. Financial stability in my view is, earning and multiplying money in a way that we do not need to scarify anything due to inflation rate. At the same time we need to remember that stable financial level will upgrade us to higher standard of living over the time. It is widely known that the more money is earned the more money is spent by people, which means that someone that earns above average money is not really financial stable as now they have a huge mortgage and they have to pay for other stuff they bought on credit, so to me one of the most important things we must avoid is to buy things on credit, if you can avoid that and still save an invest money then sooner or later you will reach the financial stability you were looking for. I've got a credit card as well, however, I believe that they are a great tool, if you know how to use them. Mine is pretty limited due to being a student (I'm now considering applying for a higher credit card limit), I mostly use it for gas expenses (it gives a decent cashback on each transaction) and bills that can be paid in interest free installments, such as, car insurance, taxes and so on. |
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I wasn't really concerned before I made this thread, the other users here warned me about the dangers of leaving a computer unattended, especially to a technician. I wasn't too concerned about my Metamask wallet, since it's encrypted and requires my password, the Bitcoin one though was at a higher risk.
Thinking back to it, i shouldn't have handed my laptop without removing the HDD, which was merely a two minute job.
Yeah, my personal rule set is never include your hard drive with the laptop when you're offloading it to someone else. You don't know what people's intentions are, though most will likely be innocent, and wouldn't even think about checking for previous data. Then, the more, and more they use it the less likely it becomes to recover anything substantial. If you are purchasing old hard drives it is usually enough to wipe the hard drive via a format, and not worry too much about malicious code. Though, there is a small amount of risk involved with that too. If you're offloading your own computer, and the hard drive has to be included for whatever reason, then I would recommend writing 0's to it, with multiple checks. You can do this within Linux or you can use a program like DBAN if you wish. Thanks for your feedback, it's definitely a concerning matter, to be honest, I didn't even think about checking the hard drive, when I bought this refurbished laptop, (HDD was used, so I would probably find something if I was willing to), but it didn't even cross my mind to snoop into someone's files like that. I haven't made up my mind yet, on whether to sell it or not, but I appreciate your feedback regarding the HDD overwriting. |
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Interesting discussion here. I have had cases like this where users were concerned about the possibility of unauthorized duplication of data.
as far as I know, it was enough to do low-level format, then 100% disk capacity is filled with some garbage (usually pornography) and this cycle is repeated two or three times depending on the level of paranoia.
I wasn't really concerned before I made this thread, the other users here warned me about the dangers of leaving a computer unattended, especially to a technician. I wasn't too concerned about my Metamask wallet, since it's encrypted and requires my password, the Bitcoin one though was at a higher risk. Thinking back to it, i shouldn't have handed my laptop without removing the HDD, which was merely a two minute job. |
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Is the world now safe against the corona virus, what do you think?
Nope.  https://ourworldindata.org/coronavirus-dataNote that the disclaimer relates primarily to the problem of under-reporting. We can also look at the data for excess deaths, irrespective of reason.Did you contribute to make the nice but fake graph? Anyway New Zealand government protesting in front of government with the Haka War Dance Story is they are not happy with dictator Jacinda Ardern and her two-tiered society https://twitter.com/i/status/1458121183040348165It's simple statistics, I don't get what's fake about the total number of deaths. This graph is from Johns Hopkins University, but who am I to judge you? Of course, you know better, yet, while any of your claims are some unrelated links, often from conspiracy websites. |
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The main reason why I really prefer cryptocurrency is that money can be transferred from one part of the country to another part easily without the use of third-party, currently in some countries now if you are trying to make international transactions its always discouraged due to country policie but with the help of bitcoin and cryptocurrency in general transactions can now be made internationally with less stress and less transaction fees compare to fiat.
I support you in that motion, money that they had to pay me from Canada, they sent it through Bancolombia, and from Canada there was no problem, the problem occurred in Colombia because they called the account holder, they began to ask him about what reason they sent the money, that the direct transfer option was not activated, what are the origins of that money, the truth is that it was done at that time that the same bank returned the transfer to Canada, it took 15 days in that unsuccessful process. When the money arrived at the Bank in Canada, the person sent it through BTC and it was immediate, then from there it was much faster to take it to fiat, obviously in Venezuela people do not know much about BTC, but when Zelle falls or eliminates , I think that BTC transaction volumes will increase remarkably. Well, that's a controversial issue, I've seen some services promising such kind of international transfers/services, but not sure how well they perform. In such instances, cryptocurrencies are probably the ideal way of transferring money, fast and most of all, anonymously, providing that both ends know how they work and how you can cash it out. |
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many in my country as a youtuber, and they on average have a fantastic income. if we know how and are famous people, it seems easier to become a youtuber. this is technological progress, especially during a pandemic like today, of course, working from home is the main choice, and there are also my friends who actually quit their jobs to run their online store businesses, and currently they live quite well. You don't need to be famous before you start being a Youtuber or content creator, but you just need to have the skills and creativity to turn videos into great shows. One more thing I want to say is that you must have an interest in the work you do. For example, if you are a lover of crypto or something related to it, you can channel that talent on a blog or video. This is very promising because people will continue to try to learn about crypto by reading and watching explanation in a content. Make sure all the information you load is not misleading false information. While I love the idea of being a content creator, it's something that has become overly saturated, due to it being flocked with people claiming to be Youtubers. Only a tiny percent stand out of the crowd, you'll need to be overly charismatic and offer something unique, while at the same time be persistent at what you do, requiring a ton of patience to get through the tough stages. On top of that, earning money through it could take years of hard work, monetization isn't an easy thing. |
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The world has been safe from corona viruses since the 1930s.
Clearly untrue. Even if for some inexplicable reason you think COVID-19 isn't deadly, are you really saying that if for example you contract MERS, you are guaranteed to survive? Also what relevance does the 1930s have? We've lived with coronaviruses for thousands of years, probably millions, before we were even modern humans. It's not like they suddenly burst into being when FDR brought in the New Deal, or when Hitler invaded Poland. I'll tell you with confidence, the world is as safe from covid19 as it is safe from butterfly virus. You haven't heard about butterfly virus? Yes you haven't, it doesn't exist, just like covid19 doesn't exist. Corona virus is just a story made up by government for selfish gains. It's over a year since the outbreak of the mystery virus, yet no one have been infected or seen and infected person. The cause of the virus remains unknown, its origin is vague, its mode of transmission is unrealistic, the cure is still not unconfirmed. Yet new cases and recoveries are recorded everyday. I simply can't understand from where this is stemming from, you're talking nonsense, with the confirmed cases and deaths surpassing 250 million and 5 million respectively. It's disrespectful of you to make such bold claims without any scientific proof to back it up, not even a source, and even if you had one, it would probably be from some fairy tale conspiracy website. I know people who have been infected with it, and even a few who died by it, making such claims isn't helping anyone and is definitely the wrong attitude to overcome this pandemic. |
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I am from Philippines where everything has a value added tax hahaha. It sure is an income that is why it is taxable and crypto has becoming mainstream here and a lot of people are earning big time that is why they are looking on how to capture taxes on it.. The only challenge to tax authorities is how they gonna track the income earned and if it will be classify as capital asset or ordinary asset as it has a different tax computation. I see, I'm from Greece, not much has been done here about cryptocurrencies, they were pretty unknown to the mass till the last few years I'd say at least. Since there isn't any kind of direct taxation for cryptos, I've already managed to deposit a decent sum of money in the past, without getting it taxed. If you're careful enough, there might be a way to avoid it altogether, they don't really bother from where it's coming from here. |
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I agree on this, infact in my place, the government is now looking on how to capture the taxes that should be paid on income from cryptocurrencies. But they have yet issued guidelines on the classification of cryptos and the computation of the taxes to be imposed. I was happy as my country was an early adapter to cryptos but they also want their fair share and soon they'll be collecting it. Where are you from, if you don't mind me asking? Similarly, here, there isn't any legal framework against cryptocurrencies, they are now planning to implement new laws but nothing has been heard about it for quite a few months. However, if I were to convert all my coins to fiat currency and then deposit to a bank, I'd have to declare them as income, since it's a decent amount of money, and get taxed at least 24% for it. Definitely not happening. |
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...
Financial stability is also about being resilient to economic crisis when it happens, and as history shows, they do happen regularly, so in a lifetime a person would experience multiple of them.
I think you are right, financial stability is about being resilient to changes, and things can change pretty fast! I guess the only way to be prepared is to diversify... to have something from everything, so when the "weather" changes you have something valuable for trading! And for sure you are right that in a lifetime each of us experiences multiple crises, so it's always a good thing to think ahead! Of course, saving for rainy days is possible only if your income is higher than your expenses! And many people in the world struggle with that... I'd say the ability to adapt to the upcoming changes is possibly one of the most challenging skills of our generation. The world is rapidly changing, and we already faced it with the Covid-19 pandemic, or with the financial crisis in 2012, while there are plenty of other noteworthy incidents as well. On top of that, and this conclusion is stemming from my nearby environment (friends, colleagues, acquaintances), not all people are capable of saving money. Not because they are not earning enough, but due to their inability to handle their finances. |
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Just like @LoyceV said, remove the HDD before giving the device to someone else. If they ask why the HDD is missing, you could say you need the data for urgent work and ask them to use their own HDD/USB drive for testing.
I am not sure many laptop allows for an easy HDD removal, even more without breaking warrant (Mac User anyone?). Also,even if I haven’t any wallet in it, just having access to my email a malicious user could do extremely dangerous actions. Basically, when to give your laptop to an external technician, you are trusting him not to rip you off. Maybe it’s worth asking him to assist in person to your repair, so that you don’t leave him with your datas alone. This could be counterproductive for opsec reasons anyway. The main reason I bought a refurbished laptop was firstly, because it was cheap, and secondly, they are easily accessible. I do not even need a screwdriver to take the back out. On top of that, in case something breaks, it's easily replaceable, even if we're talking about a full replacement. |
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