Most of the people complain that they are not able to save sufficient money in order to pay the monthly installments. The primary reason behind this is uncontrolled spending habits. It is more common in younger generation who has started earning recently. These people get tempted by discounts and wholesale offers and end up buying things that they do not even require. It is very important to cut down these expenses so that you can save some money. It will help you to pay all the installments in time so that you can live without any tension.

Debt can come with a number of problems. There can be a number of reasons behind the bad credit history of a person. Some people just loose their jobs and are unable to pay off the loans. On the other hand, bad credit may result from emergency situations like medical needs that put extra burden on the person. If you are having a bad credit history, it would be difficult for you to get approved for a credit card. No bank would like to provide the credit card to a person with bad credit history as it involves risk.

I agree to this , in my opinion also April to May is the best time to invest because:


1) In April there is tax filing in USA and most of the people are then ready to invest for the next financial year. This means that demand will increase after April and thus the prices are also expected to shoot up.

2) You should remain invested till November - December and then withdraw. December is again festival season and many people might be selling their holdings to arrange money for party and other stuff.

Ripple has got a number of advantages like:

1) It has already got partnerships with banks like Barclays, JP Morgan, Bank of America, UBS, Standard Chartered, Santander and American Express. The developers are trying hard to add more banks and companies to this list.

2) All the ripple transactions are peer to peer which makes it more secure. In case of other coins , there are some chances of failure as well.

That is a good website  to find information about the exchanges where a particular coin is listed. It only lists reputed exchanges and thus users can trust the website.

Personally, I invest only in the coins that exchange in my country has got listed. There are about 10-15 of such coins in total and it is sufficient for me. I am not in favor of investing in more than 4-5 coins as it becomes really difficult to handle so much work. To invest and make profit, you also have to follow the news related to that coin.

Signature campaigns here offer fixed weekly amount to members and I do not think that it is affected by the total number of members participating.

For instance, for members the pay is like $20 for making 25 meaningful posts in a week. And this pay remains the same whether there are 20 participants in the campaign or the 50. One of the better ways to judge potential profit is based on the length of the campaign. There are some signature campaigns which are running here for years and it makes sense to apply for those.

I am also investing in alt coins like Ripple.

Ripple has got many advantages like:

1) The transactions are really fast. Currently a transaction takes only 4 seconds to process, in case of other coins this is in minutes or hours.

2) The transaction fee in case of ripple is also way less in comparison to other coins. The transaction fee is about $0.004 per transaction only.

3) Best thing about this coin is that it has already got a number of partnerships with different banks worldwide.

I am also not worried about the market going green as prices are affected by demand and supply and it is unavoidable. However, I am more concerned about the current stand of my government related to bitcoins.

They have still not made any clear announcement regarding crypto currency in my country which results in lot of confusion in the mind of investors. I would not be surprised if they just announce it as illegal one day without giving us any time to withdraw. That is the only reason stopping me to hold my investments for too long.

It was recently reported that he is charging money to mention crypto projects on his Twitter handle. So his intentions on making positive statements about crypto are quite clear now. I suggest people not to fall for the advice being given by so called experts.

It if your hard earned money and thus it is your responsibility to do all the research before investing it any project. Do not get affected by this exaggerated claims or misleading figures without any base.

Not necessary, they have already developed sections like alt coins. We have got so many members here that this can be used for any relevant issue. For instance, suppose all crypto die and we have some other alternative taking place of crypto. The admin had to just change the name of sections here and buy a new domain. The forum is then ready to go.

It will already have so many active members ready to explore the new option and discuss about it. It would beat any new forum doing that from scratch.

It is  a good suggestion but the problem is that this can be abused here a lot by creating multiple accounts. The merit system is able to fight against this because new users do not get any merits to abuse at all. Also, the default merits of even higher rank members is spent by now so we are equal.



Use ignore option for such users. On an online forum , you will meet different kinds of people, some you do not want to interact to.

Glad that you realized this was a joke in 16 days. It must be fun playing April Jokes on you then.

That reverse psychology worked in this case. People try it in different ways but it still works:

1) They break a forum rule and then ask the admin to delete if the post is violating any rule. From inside they know that they are violating the rule, there is no need of making that post if they know that they are breaking rule.

2) A reverse of this is some people post messages on walls like do not throw garbage here and others do the opposite.

Claim merit points ?

That is wrong choice of words and can be misleading for new members. There is no way , you can claim any merit points here. You are right with the quality part though. A user has to  make good quality posts here and then he can expect merit points from other members. There is still no guarantee of getting merit points as it is up to the members reading the posts and the current available merit points they have. So even if you make exceptional posts, there is no way to claim any merit points for them.

Hard to get what you are asking here exactly but let me try. Are you asking about how to increase your activity ? This requires you to make posts in different activity periods. Activity period is of 14 days and you can see all activity periods start and end date here

https://docs.google.com/spreadsheets/d/12saLhlUoqIdairxzuSPu6EYGrt7FN2lOstO1yDjCEbA/edit#gid=1324892580

Maximum you can get in one activity period is 14 activity. Thus suppose you make 16 posts in current activity period. Your activity will be 14. Once you make a post in next activity period , it will become 16+1= 17.

Pray to god that you do not get negative trust for this. Even the person who is at the receiving end is at danger.

However, it is still difficult to digest that someone can do this accidentally:

1) Currently, when you send merit to a person, it opens a new window and you are asked about merits to send and then to confirm this. Accidental here means you are doing the same mistake twice.

2) This can still be understood if it is your first time or was done when merit system was implemented. But after so many days, it is hard to believe.

I do not think that US government will do this. Some of the countries like India have made an statement that they are thinking to launch their own crypto but I do not see much potential there because:

1) Thy are calling crypto bad and thus banning bitcoins. Then if they launch own coins, who will have trust on this hypocritical attitude.

2) Since, they are banning other crypto, what will their coins compete with. I think that it is because of comparison and competition only, bitcoin gained so much popularity.

Frankly speaking, I have not read even one in my life. But again, this is mainly because, I do not invest in number of alt coins . I like it to play safe and thus invest only in top 10 coins based on market capital.

There is no need to read whitepaper for those coins as they are already being trusted by some many people worldwide. However, I always follow the news related to the coins I had invested in as it affects the prices and thus my potential returns also.

What will happen to the campaigns that were paying users for sharing details of their projects using those keywords ? If this is happening for sure, then a lot of users will loose their accounts. I think that this is really illogical on the part of Twitter to introduce such rules. Now they want users to make Tweets as per the companies interest.

This will result in people moving from Twitter to other platforms.Recent reports already suggest that Twitter is dying.

I agree to this, it has already got a number of associations made with leading banks and this is a confirmation of the fact that it will always be in circulation. Other coins are growing just based on speculation but the people behind ripple are doing real work.

Also, we should observe that the current price for Ripple is just $0.5, it is an absolute bargain at this prices. Some people count giving coins to banks in discount as demerit but it it required to boost growth initially.