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441  Economy / Economics / Re: A career - as an employee or a business owner which do you prefer and why? on: January 16, 2023, 01:56:15 PM
I prefer to be a business owner but if the job is paying a good amount of money then why wouldn't I take it?
I like to be a business owner because they hold their own time unlike being an employee they need to be on time.
And when you are a business owner even if you decide to take a leave or you would still have an income unlike when you're an employee when you leave or skip work it would affect your salary.

If the job is good paying job it is still good to stick to the job, part of the earnings from the job can be also used to establish a better business. Creating a business is a good form of building wealth because every job we found ourselves their will be a day we will all retire or resign from it. But the business will always be their after retirement of job.
The business will only be a source of income one can look up after retirement, plans for business is a good one for the future.
correct - if you are not landlord and you dont have other means to get some earning. Then surly you must keeep your job along with your side hussle.
442  Economy / Economics / Re: What is your biggest obstacle to achieving financial freedom ? on: January 16, 2023, 01:55:09 PM
It's you. The biggest obstacle to achieve financial freedom is ourselves. We cannot blame someone if we are not living lifestyle that we want, the only thing that we can only blame is ourselves. That's the truth in this cold world. Financial freedom is possible if we have desires and also plan on how we can become like that.

Dreams are just dreams if we will not work and seek opportunities in this world full of abundance. Our mind is limitless, people who don't grow are not thinking outside of the box. That is the reason why we need to think differently from others. There is knowledge that are not publicly available because some of it has price and that kind of knowledge that we should seeking for us to think outside of the box that can helps us to achieve financial freedom.

Exactly, we should not blame the situation, the government, or anyone else when we fail, the biggest obstacle is still ourselves. We fear everything and don't dare to step out of our comfort zone to take bigger risks to challenge us, we don't dare to face difficulties and don't expect to become financially free. If you only know how to blame others all day but don't accept the blame for yourself, you will forever be a failure.
Have you ever wondered why our friends succeed and we fail while we grew up together? My friends, many have succeeded, but I still fail, this is my fault not the government's fault, or my parents are poor, I didn't try my best.
My biggest obstacle is trusting blindly and believing what people have said is correct.
I have suffered so much and I have been looted so much ... I wish I would have never trusted selfish people
443  Other / Off-topic / Re: Mistakes Successful People Never Make Twice on: January 16, 2023, 01:53:04 PM
"People make the same mistakes all the time."

Some people say: "Mistakes" are actually a "mental activity" formed by the interference of two intentions. One intention is that you have to do this (disturbed intention), and the other intention is that you actually don't want to do it. thing (interfering intent).
It is very important that we can analyze the reasons for the mistakes more and avoid making mistakes again. Some people make the same mistake many times because of their own habits, leading to the same choice. Think about the problem from multiple perspectives. Success actually depends on an opportunity, but opportunities are reserved for those who are prepared.
successful people are humans too and they too make so many mistakes. But they learn from their mistakes and stand up tall
444  Economy / Economics / Re: A career - as an employee or a business owner which do you prefer and why? on: January 16, 2023, 01:52:14 PM
I prefer to be a business owner but if the job is paying a good amount of money then why wouldn't I take it?
I like to be a business owner because they hold their own time unlike being an employee they need to be on time.
And when you are a business owner even if you decide to take a leave or you would still have an income unlike when you're an employee when you leave or skip work it would affect your salary.
No one is going to make more than the owner if its profitable so as an employee we will get the basic salary of contract we signed up by the company and the progress of salary hike depends on our skills, productivity to the company but its safer because we will get minimum pay every month or week.

Being an employer or business owner comes with less physical task and more mentally stressful circumstances for example if you're a realtor then competitive one will try to overcome your success and they will keep doing it everyday so you have to work on it everyday if you don't want to left behind. And don't think being an owner means we can take leave whenever we want and expect to be in profits.
sometimes we think owner is menting so much money but that is not always true. Most of the time owner is  cleaner - dispatcher - runner and cashier.
So its not right to think owner is menting money and we are not getting money
445  Economy / Economics / Re: Use your money wisely. Invest or Deposit ? on: January 16, 2023, 01:50:38 PM
Why should one deposit his money when the option to take an advantage of investing with it is available, and it does not end only on investing but also on something worth it, an appreciable asset like bitcoin in digital cryptocurrency and not a liability, depositing money in the bank will add to depreciation of the value in it over time because inflation will overcome such value and the bank as well will always make their own deductions for charges, but when invested on a profitable asset, it will make more opportunities come of the money invested by realising some earnings than loosing part of the money gradually.

One can as well save in the bank and also use part of it to start up something like investing in a lucrative business that will bring in more capital, that's for those business creative minds because some will only choose to work and save without having any plans of growing the money into something much more productive.
Saving without making use of the money to start up something much more productive is like waiting for the saved money to increase on it's own. The mindset of an individual tells more if he/she would want to invest or just deposit.
I once made an investment and it was a scam and I lost trust in the investment to me everyone seem a scammer I would rather depist than investing
446  Economy / Economics / Re: What is your biggest obstacle to achieving financial freedom ? on: January 14, 2023, 03:28:58 PM
One of the biggest of achieving Financial Freedom has to do with once mindset, there is nothing impossible to achieve if you put your mind to it. So one has to be very positive when you want to get a change. The most most at times is not a problem when people have passion.

Secondly is failing to try new things, a trail and failure gives you a chance but not trying at all is as good as stupid. The environment and people you role with might also limit how you think and reacts.

One really needs a good mentor to help with guidelines with what to do ams what to avoid while trying to be financially stable.
I think my biggest obstacle is being too lenient and trust someone blindly and making blunders.
I have made so many mistakes in my life - and I promise next time I wont do that again - and something else happens and teach me a lesson
447  Other / Off-topic / Re: Mistakes Successful People Never Make Twice on: January 14, 2023, 03:24:57 PM
We always take the advice of successful people and apply it to ourselves, and I would like to ask if anyone here has become as rich as them thanks to their formula. For me, everyone's success is not the same, we should experience and draw lessons for ourselves instead of looking at others. There are many ways to succeed, our job is to find our own recipe for success, not copy someone else's.
We should try having a balanced life - work of ourselves - for our growth.
The best thing is as you have mentioned - that we should take advice from the successful people and work hard for our growth - this is so important.
448  Economy / Economics / Re: A career - as an employee or a business owner which do you prefer and why? on: January 14, 2023, 03:21:13 PM
I prefer to be a business owner but if the job is paying a good amount of money then why wouldn't I take it?
I like to be a business owner because they hold their own time unlike being an employee they need to be on time.
And when you are a business owner even if you decide to take a leave or you would still have an income unlike when you're an employee when you leave or skip work it would affect your salary.

If the job is good paying job it is still good to stick to the job, part of the earnings from the job can be also used to establish a better business. Creating a business is a good form of building wealth because every job we found ourselves their will be a day we will all retire or resign from it. But the business will always be their after retirement of job.
The business will only be a source of income one can look up after retirement, plans for business is a good one for the future.
But you never know when the boss give you a thank you letter for the services you have provided them.
Always have a side hussle so that you have something else to take care of when you lost your job, I was so honest to my job and it was paying me well. And the next day I was jobless. I spend 2 year working for myself. and I dont hunt for job anymore.
449  Economy / Economics / Re: MONEY IS THE MOTIVATING FACTOR, what do you think? on: January 14, 2023, 03:18:48 PM
Follow the money if you want to be wealthy; if you want to change the world, follow your passion. This is how I see the world.
You already know that pursuing your passion will ultimately lead to financial success, mental tranquility, and fulfillment.
Most often, following the money results in anxiety, stress, and depression. Because the person is more concerned with their money account balance, etc., rather than with slowing down and enjoying life.
His interactions with his family and friends will be impacted. Due of their lack of family time, wealthy, workaholic individuals frequently get divorced. They continue to work even while they are at home.

If we keep chasing money and ignoring everything around us, like family and friends, we will easily lead to depression. But if you don't make money, or the money you earn is not enough to take care of your family, they will also find a way to leave you, friends won't play with you if you don't have money. It sounds very painful but this is all that is happening in the world today. Money rules everything, people will never help each other if there is no benefit to it.
That is way balance is very important.
We should have balance between work and family - this is very important - I mostly give time to my family in the day since I work from home and when my kids are a sleep I work at night.
450  Economy / Economics / Re: Avoid running into financial ruin this Christmas! on: January 14, 2023, 03:13:24 PM

I also detest taking out loans either from banks or from friends and family. Personally, I won’t turn to banks whenever or if at anytime I’m in a financial crisis. Then again, I try as much as I can to avoid whatever would lead me into financial ruin and trigger the action that would lead me to take a loan. Having Loans are never healthy for anybody’s finances.
I think taking out loans is like a tube of toothpaste. Extremely easy to take one out and very difficult to put it back in.
I think one should not go to banks for the loan - I was once looted in the name of investment and the scammer wanted me to take loan from the bank which I did.
Everyday I wish to slap him hard on his face. But I have left it to God for the justice. Life is so hard and we meet such horrible people everyday.
451  Economy / Economics / Re: Happy New Year "residents" bitcointalk !!! :) on: January 14, 2023, 03:09:54 PM
My heart breaks for the innocent Ukrainians, especially the children who can't live peaceful life because of the war. I couldn't imagine the trauma and fear that they're fearing every day. I always pray hard every day for this war to end so innocent people don't have to suffer and no lives won't end because of those missile attacks each day. 2022 has been a challenging and tragic year for both countries but I pray that 2023 will be a year of peace for everyone. Happy new year, Op, let's hope for a better year. Never cease praying because good things are about to happen.
there are so many ills happening in the world - in Ukraine - in Palestine and in other part of the world. .  .
We always wish to see the dawn of peace and we keep wishing it and the new year comes again with the blood shed.
452  Economy / Economics / Re: Use your money wisely. Invest or Deposit ? on: January 14, 2023, 03:08:10 PM
Being observant and also taking time before jumping to any investment is barely needed, like what you said, it is your hard earned money that you saved and you don't want to lose it with a kind of investment with huge possible risk.

Though, with knowledge and good understanding about the market that you choose,
the chance to make something good in return is possible as well. More on your good
anticipation and good research before placing your money in any investment field.

Finding a good investment is also a very big job that people spend a lot of time on, and this is understandable when it comes to their money. A deposit shouldn't even be considered as an option to keep your money, it doesn't make much sense as you won't earn anything and other than that your money will not be with you when you might need it. Investing is not easy, that's why so few people do it, and do it right.

Doing it right is another thing. As you mentioned, finding the right investment is really tough, as we can't easily entrust our money with something that we are unsure.

You need to figure things out before jumping to any conclusion as a hard earned money
is something that is really important to you, and using it the right way only means that you
will try to grow and let it work for you.
Along with that there is one thing - we must invest on our growth too. One should invest if one has a good knowledge on it. 
Not always investment works. Sometime we are scammed and looted too. As I was done last year. I hate myself for being so dumb and not being able to understand what is happening to me in the name of investment.. Lost a good 5000$ I feel sorry for myself every day.
453  Economy / Gambling discussion / Re: Test Cricket Prediction and Discussion Thread [self - mod] on: January 14, 2023, 10:57:58 AM

Test series is already ended now we have first ODI today at Karachi which is already in progress.
After the loss of NZ home series the newly appointed interim selector Shahid Afridi career also ended.
He seems to be so arrogant and people are not much admiring him after he has become political. Finally the poor selection by the newly appointed selection committee.
454  Economy / Economics / Re: Use your money wisely. Invest or Deposit ? on: January 09, 2023, 05:24:12 PM
investment and deposit are very different and if you have large capital then my advice is to do both, maybe 50% to Investment and 50% again to Deposit,
because that is the best thing to do and the risk will be very small, you can have a healthy profit if you doing this.
especially in 2023 it is a very good time to invest in the world of cryptocurrencies before the price goes up again, and it is said that AI coin is the next bullish trend.

If you have a large capital, then doing both is better. You can deposit and save while investing and explore with trading. It can be profitable if you put more time into earning knowledge about the business.

Most of the time, those who explore and work with their own success are people who use their money
the right way, using it as an instrument to grow and let that money to work for you and convert more
addition by means of trading or investment, it's all up to how you manage your finances.
Invest only if you think you have good knowledge about the investment plan. Don't take the risk blindly
rather than giving money to a scammer or mugger - try to deposit it and stay contented in what you have
455  Economy / Economics / Re: Happy New Year "residents" bitcointalk !!! :) on: January 09, 2023, 01:43:13 AM
I would like to wish everyone a Happy New Year!

Happy New Year to you and your family and I pray that this war would never be you end, you shall live to tell the story of how you overcome. I felt your pains and that of the lost souls with the hope that everything would soon end.


Quote
To everyone who supported Ukraine - a separate big thanks, a huge thank you! May your kindness and help us return to you many times over!
From what I had been seeing on news and on TV, we all know that the Ukrainians are being affected by this war severely.
Innocent citizens are dying from bomb blast, starvation, poor medical services, bad water, insufficient food supply and many more which we might not understand the gravity of the war. I just hope this war will end soon.


Seeing this almost made me cry from those soldiers at the war front.
Many persons are passing through similar conditions.


May this year bring peace and happiness to the people all over the world.
Peace and health is much needed in this year and the years to come. We already have suffered so much due to COVID and war.
456  Economy / Economics / Re: Avoid running into financial ruin this Christmas! on: January 09, 2023, 01:40:33 AM
Christmas and New Year is a great time for a business that manufactures and sells Christmas (New Year's) products. 

Marketers are well aware of this and use various psychological tricks to encourage people to spontaneous purchases.  At the same time, Christmas advertisements appear on city streets very early - in early December, and sometimes even in early November. 

Giving Christmas gifts is a great tradition, but you should avoid spending too much money.

Happy New Year 2023!

Yeah, the holidays are always a good time for business as people are more inclined to shop more during the festive seasons.
Marketers who sell Christmas gifts, cards and Christmas apparatus start early to display their wares and trying to entice shoppers with so called discount prices. So shoppers with the mindset of having to do their Christmas shopping early and at a discount would grab the opportunity worth both hands.
They know only too well how to entice customers to shop more and part with their money for almost irrelevant things.
Depends on the type of business you are doing. I am not sure about other people but most of my friend didn't purchase much during these holidays.
People are not having much entertainment funds. so they stayed at home and ate homemade food and enjoyed it thoroughly 
457  Economy / Economics / Re: What is your biggest obstacle to achieving financial freedom ? on: January 09, 2023, 01:37:36 AM
A lot. Especially with the job, it's very hard to get a job nowadays when u only have little skill.

What do you expect? Will they leave people with great skills to employ some one with little skills. Whatever skills one is learning, one should try and learn fully. With your great skills, employer will be the one running after you.

I’m todays world, skills is a must have for todays job seeker as skills would obviously boost his application for any job. While skills are important, having a great educational experience and qualifications is also necessary in order to get a good job.
I think an employer could also hire an applicant with various educational qualifications and degrees and then spend some good money to train and equip the applicant with the skills necessary for the job. So while we strive to get skilled in whatever we do, it’s always great to have a college degree attached.
When you do have a degree then it is already that an disadvantage compared into those who have none but we know that it isnt really an assurance for you to have a successful life.If we do tend to look around

on which there are no degree holders do able to achieve or attain more or something than into those who had finished up college.Of course this isnt that right for those people to make it as an inspiration.
Its better to have a degree since you could really be having an option whether you do have your own day job and would find out for some side income with your other skills.
It would be depending on how someone would be using up their time efficiently and effectively.
After Covid - I realized one thing - its skill which sells.
Many high degree profile holder suffered so much but the skilled people survived and they did it well
458  Economy / Gambling discussion / Re: Test Cricket Prediction and Discussion Thread [self - mod] on: January 09, 2023, 01:35:21 AM
When politics takes a reliable place on the cricket board, it affects the players as well. You can be a good player, it doesn't matter how well you play, is not included in the national team if there is even the slightest doubt you have relationship with the opposing political parity. Even though you will not given a chance to play. Such images have also been seen on various cricket boards. There will definitely be changes in Pakistan cricket. As there is a new shift in responsibilities, there will definitely be a change in the game. The previous Test match between New Zealand and Pakistan was finished by draws. How much their game has changed will be seen in the coming days.
Political intervention into the sports activities can be seen much on the Asian countries. I'm not aware about the involvement of political pressure into Western boards. It looks like they've got separate authority that takes the responsibility and takes decision. For this reason we can see the best from them playing without pressure.

There is no doubt that it is apparent that the Pakistan Cricket board does not have enough confidence in their own players. Otherwise, I think a lot of test matches could have an end result. In order to achieve a draw, the Pakistan Cricket Board is simply going to prepare a batting pitch. If the shorter format is implemented, I hope that they will give their players a pitch on which they will be able to show their skills to their coaches.


The other test match between Pakistan and NZ will be starting in Karachi today.
I have not been able to  watch the match lately and I am more interested in knowing how did Pakistani people react - after NZ team came back to Pakistan after so many years.
459  Economy / Economics / Re: Every passing year seems progressively worse on: January 08, 2023, 11:52:39 PM
World is facing the worst economic situation. In this situation it is a must to stay positive, only then it is possible to stay strong and make ourselves progressive amidst the prevailing situation. Life won't be the same all the time. At times we need to be very active and keep ourselves challenging than just enjoying the feel of being lonely and missing out.
We must stay positive and work hard and save as much as we could!
I am not sure about other - but this year I aim to save as much as I could - this is the biggest goal of my life.
460  Economy / Economics / Re: MONEY IS THE MOTIVATING FACTOR, what do you think? on: January 08, 2023, 11:51:23 PM
Money can motivate you, demoralized you and also encourage you as long as you desired seing the consequences through handling money, we must not let money control our emotions, behaviors lest we ride on others or step on their toes, money creates value, but we need to position this value to our good advantage and this will make us to utilize it the proper way, money is not the root of all evil, but we humans.
if you ever get a chance to spend an hour on road side with out money and you are starving - we would realize how motivating the money is! But having said - I must mention my thought - one should not spend so much time in saving up for the other people or for their kids. I have seen children moving abroad and the parents property become the bone of contention for the other
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