I have helped some people by guiding them about crypto investment since 2022 and this year is taking a toll on them, out of others, one has no real job and the other is stuck with some heavy responsibility at home, he has a job that can't be called a job, but I learned some lessons from the decisions they have made in the past, which I believe it's affecting the present as we speak.

1. There is something that is more important than investing or becoming a holder, that is a job secured, do not dare become a crypto investor or a holder if you can't feed yourself daily, in this condition you need the job more than anything, and this is what will determine the outcome of your long term holding.

2. Apart from Bitcoin, it is possible that most of the projects to hold won't do well in a few years, even the good projects with great utility can suffer in the hands of some obstacles, like lack of funds, unserious team, hacks, etc, unlike Bitcoin.

3. Risk what you can only afford to lose and have a profit-taking strategy in place, pumps won't go on forever, and no crypto projects keep pumping and pumping without some dump waiting to happen, so you are to secure some profits at least.

4. The chances that crypto will make you rich overnight are very slim, it's like gamblers who unexpectedly turn into millionaires without expecting it, but it is also possible to become a poor man if you don't know what you are doing, and seek knowledge always.

5. No matter how hard you try, some people will always be ahead of you, either close friends or family even in this crypto space, you shouldn't make harsh decisions just because your fellow brothers and sisters are doing better than you.

No one will exit this life alive anyway, so there is no point putting yourself In a bad situation all because you want to be a crypto holder, if you have to give it a try do it the rightful way, get a job, and gain the knowledge about crypto before risking your paid salary on any investment, I hope this help someone new on here.

Source: https://x.com/FabrizioRomano/status/1795425560484798708

So the deal has already been finalized, this was probably a good decision made by Chelsea. I cannot say for sure if it was a good decision or not because I have no idea how he is going to perform with Chelsea as a manager. If he is able to bring in good results then of course he is a great signing. But if he is unable to bring in good results or results that are expected, it is going to be a problem. Of course, Chelsea will have to pay compensation. But whatever happens, if he is able to bring in good results, I think it is going to be great for Chelsea. And I am pretty sure that he is definitely going to start better compared to how Chelsea started in the last season.

It has become increasingly common for friends and not-so-close "friends" to come and ask me to borrow money. I don't usually ask for the purpose, but some ask me because of betting at online houses.

The last time I lent money to a colleague, who I hadn't had much contact with other than at work for a short period, it was with great difficulty that I got the money back.

I don't know where people get the amount of money they think I have, they must think I look like a bank...

Who likes having to borrow money? Unless you are a loan shark and lend with collateral where the risk is almost zero, why lend money where you end up with a loss? 'cause in addition to no one paying you with interest, most never pay you on time, at least you will get your money back after repeated charges.

Some people even go so far as to ask me to borrow money for what? to bet!! What a joke. I answer briefly and bluntly that I don't have the money to lend for these purposes!

And the worst thing is that they ask me for small amounts, like $2, 5, 10$... I think that if the person doesn't have that money now, the chances of them getting that money to pay you are low. If the person is in need, it's easier for them to confess right away to see what I can do, because I'm not a bad person.

Do you usually lend money to relatives, friends, etc.? Have you ever felt bad about it, done it unwillingly?

And when they are female friends, do you lend them?

They know that bitcoin is not a scam. What you are seeing on Opay, Palmpay, Kuda and Moniepoint are directives from the CBN which do not know what they are even doing. I guess you saw information like:


What the banks are after is P2P trading. But I was wondering why commerical banks and other banks were not told to stop registering new customers and start displaying the warning.

P2P trading continues.

Is it crypto that makes Nigeria GDP to fall from $568 billion in 2014 to $252 billion in 2024? They have bad way of handling the economy but now they are lying that cryptocurrencies are contributing to naira devaluation.

My cousin who in time i asked to investment on bitcoin but has always had excuses that he'll invest later, sometimes he tells me that he's afraid to invest his money on the bitcoin due to the potential losses.
He had aslo told me that he's contented with his monthly salaries at then but now he has fall back to me that he's ready to invest because he has lost his job and it's becoming tough for him to meet up with his financial requirements.

This has someone living a luxurious life without undermining that his job is just temporarynand economy inflations could affect his savings.
Then I reminded him that the bitcoin investment isn't a get quick rich and for an individual who has bills and financial needs to respond to as responsibility, you must have an alternative source of income by which your bitcoin investment can only be fertilexbti yield profits when you invested and doesn't panic it to grow else he may end up selling his bitcoin at lost having me to be blamed.

So I've told him that I'm not involved if he gets to Invest at this time because I know he'd panic over the volatiles of the bitcoin market since he doesn't have  another source by which he can rely on earning income to process his financial needs. The choice is his to decide because if he had alternated his source of earning to bitcoin since I told him, the dividends of his bitcoin assets would had be reliable to him after much he may have made some profits from it. It'd had also served as means of savings and factor to encourage him to be economical with his luxury life which he doesn't have the potential to continuesly afford them

Even though they failed in the europa league but it doesn't deny the fact that if leverkusen was owning bundesliga and DFB pokal. It's more than enough for xabi alonso. There may be a lot of clubs will try to approach him as a new coach.
Invicible record by bayern leverkusen + two trophies. There is no a better result rather than this. Xabi deservesa lot of appreciation for all of his dedication to the club. Xabi was not only a coach but he likes a teacher for whole players of leverkusen

No reason for leverkusen to let him leave from the club that fast. We may be seeing xabi to stay there for several years.




Manchester city has been putting xabi alonso on its shortlist as a guardiola's successor.

Premier League I agree in these last decades is much stronger than the Spanish La Liga.Even in these last couple of seasons you will notice that in the Premier League the title fight is much more vivid than in Spanish La Liga,we had the teams fighting for it up until the last couple of weeks in the Premier League while in Spanish La Liga the title fight was already over many weeks ago and for me this is one of the key indicators that shows if a league is strong or not.

2 years ago, I did this for a year with only a small income but still struggled to allocate 10% of my income to Bitcoin. As time went by the income increased, I decided to increase the allocation from 10% to 30% until the peak of this year's ATH has provided significant profits. enough to create a dream home. I still hold the rest because for me investing in Bitcoin at any time has been an obligation from the start. There are no other options other than Bitcoin and an emergency fund. It has been proven that during long term investing we are able to feel the difference, especially from an economic perspective, both for basic needs in the kitchen and for going on holiday to the place we want to go.
It all comes back to investment discipline, the nominal amount issued is adjusted to your abilities. Don't feel left behind by other people because everyone's investment targets are different, make your own targets and once they are met, increase them according to the calculations that have been planned. As long as we have principles and discipline in investing, we will not deviate from the path. However, this cannot be separated from ensuring that the main income must be stable, or even if it is not stable, at least if you occasionally get income, it is preferable to increase investment assets.

I encountered an issue yesterday with a particular exchange that sends a verification code to my mobile number before withdrawal. I wanted to withdraw some funds from Kucoin, and due to my security settings, I had to first enter my trading password and then, hit the "send verification code" button, which is supposed to send a code to my mobile number. However, after hitting the button the first time, I didn't receive any code until the counter ran out. I repeated the same process about three times until I received a notification that I had exhausted the number of attempts and needed to try again in two hours. Frustrated, I left it and went to bed.

This morning, I encountered the same issue. I had to go to my profile and unbind the mobile number from the app. Now, I have to wait 24 hours to attempt the transaction again.

Has anyone else encountered this issue? What did you do?

Well hooooly cow, nobody expected this at all! United finished the season with FA cup, and they had one of the worst seasons they ever had this year, finishing the year with FA cup on a year that you considered terrible is beyond bonkers. I really assumed that City would be mad after UCL and would win this easily with a big margin. I really really did not see this coming, nobody did, a ton of people lost money on this bet for sure, it snot going to be that easy for people, but I am sure that bookies must be loving this lol. Think about all the money that was put to City to win, I am sure that billions were made just today from this game easily Sometimes we just get unlucky, it happens.

You can easily convert your Bitcoin to fiat using your calculator and after then the best way is to sell your coins on an exchange that is available in your country. There are different exchanges like coinbase, Binance, kucoin that offers these services. Don't get it all wrong these exchanges do not directly buy your Bitcoin or USDT they will match you with a buyer in the exchange through the P2P area there you will see merchants and their prices.  Although the amount of taxes depends on your country of origin.

Nobody knows the price that bitcoin will increase to this coming bullrun, but I am sure that it will surely get to $100k. It's just like it's already programmed to happen that way. With the way I'm seeing it, the bullrun will not end until bitcoin get to $100k and above. As for decrease when the bear market finally return, that's what I can't really tell, last bullrun when bitcoin got to $69k after the bullrun bitcoin dropped to $15k thereabout, so with $100k that we are expected to see this bullrun, the bear market will also bite hard when it comes.

I don't know how transparent and genuine other countries governments and their financial regulatory authorities has been with their citizens and the masses entirely, but speaking from experience, my late uncle who died during the the COVID-19 and left over $1,700 for the family in his bank account and after much processes the wife being the next of kin and the family as a whole has been unable to have access to the account and that is just how the money died off and only the government knows the fate of the fund til today.
In my country Nigeria, the government and the financial regulatory authorities has always kept hidden facts from us which would had been an added advantage to our knowledges and even contributes to precaution measures that we could avoid common mistakes that may seem insoluble or a long time to get solutions to it.

I recently came across this  https://youtu.be/s07NUfpPzSM?si=SY8wpCVbjgNHn2zy youTube video which a formal banker from Nigeria discloses about what the bank does not want us to know via how a next of kin would not be accessible to the benefitials bank account that if paraventurely the bank account holder dies, the bank will deny access from the next of Kin to the account if the next of kin is not an automatic signatory to the account or the account holder has not made a written will to determine the legitimacy of the next of kin.
So the bank would go a legal probate process to decide who gets the money.
Meanwhile... This legal probate in my country can take a very long time maybe years ahead to verify the processes which is definitely uneasy to meet up those tasks.
Even after the whole processes is being overcome, the next of kin would be demanded to pay huge sum of money for a legal fees to be able to have access to the account but meanwhile, the next of kin has been mentioned with all necessary requirements being provided during when the benefitial was on the bank account opening processes but the bank could not make the terms and conditions obviously for the account owner to take early awareness of it.

So this is assumed to be why the government and the financial regulatory authorities in my country has been fighting over cryptocurrencies facilitating crypto trading with the naira (#) on the Centralized P2P Exchanges.
The interest of the government is to control the centralized exchange with the forebeing of syphoning our Crypto funds.
Literally they also want to make away with our Crypto assets when we are gone and clearly stated and obvious, there is no next of kin attached to our Crypto Investments.
So, the government would want to also do away with them as they rebels us with the Centralized Fiats.

You can imagine how selfishly logical the governments can be? They tends not to let us know what is crucial and necessary but just concerned about how they can rebel the us.

Building a good investment portfolio is one key area I've come to learn of its importance and in building a good portfolio, the decision to diversify your investment option into different sectors is Always key and from what I've read both on the forum and off the forum, it seems the concept of diversification of your portfolio tend to tilt more to investing into Bitcoin and altcoin which somehow appears a bit one sided as i feel that building a good and ideal portfolio should cover not just the digital sectors but should necessarily touch other aspect of our lives.

So I'm led to share how I intend building what I termed "my ideal investment portfolio" and I hope I can get some contributions and criticism if it's necessary to possibly help me make informed decision.

So here's my Ideal investment portfolio
1 To invest in my craft: I believe this should be the most important investment I should make and it involves ensuring that I'm updated in my skillset and that I get the relevant certification that will keep me relevant in my carrier.
2.To Invest in my proposed tech academy for kids  : This has been a long dream that's still lingering due to finance but I'm working and hoping to build a tech academy for kids in my locality since it seems they are interested in it but aren't previledged to have tech firms that's nearby the locality. I intend HODling my Bitcoin for possibly one circle and then use the proceeds to invest into this projects as it's bent on helping the kids and teenagers in my locality to becoming technologically inclined.
3. To Invest in Bitcoin   : I'm cureent DCAing to stack up a good chunk of Bitcoin which will help achieve part of my tech academy project and also serve as part of my diversified investment option.
4: invest in people    : this obviously is one area I can't ignore seeing that I'm a beneficiary of the investment someone made in me that has built me this far. I believe that investing in people can give greater returns than most of the investment option we have here and there and that's what my proposed tech academy for the kids and teenagers hopes to do.
5. To do long term Investment in Bitcoin and real estate   : once my four year investment plan becomes a success, I believe it's best to now focus more on building a Bitcoin stack for the long run that will serve my retirement needs and also venture into real estate which seams to be a good retirement plan outside of the decentralized financial system.

This is my personal plan on how best diversification of my portfolio can work well for me and I'm open to any impute and recommendations regarding this.


Sir @JayJuanGee seems to be too good on this kind of analysis and I would have loved to see his impute here.
 

I have a younger brother who lives in the US and yesterday he told me about a call he received saying that he can get his lost coins back and all he needs to do is submit his wallet address.

Before saying that I am a fool, I know this is a scam, but I need to ask about what could possibly go wrong if he submit a wallet address? I did told him to submit a random wallet address that is empty with no single transactions in the past though but I can't stop thinking what this could lead to.

If you know their trick you can always be ahead of them and possibly be able to Warn others too, I am just wondering what they could possibly have in mind, I think they will track his transactions to know his worth. Or there is more? What do you think?

Just apart from Madrid winning it many times and of course allowing Dortmund who has just alone won the title just once in their life time which is back then since 1997, but if we are to judge from performance Madrid is to win the finals. From what I saw happened between Atalanta Vs Leverkusen in the EUROPA league final, I may have to clear my doubt and hoping that Dortmund still have a chance against Madrid. Finals like this is meant to be tough, so Madrid may find it very difficult to secure the win but even they still remain the favourites with the best possibility of winning.

I am very much in support of West ham changing their coach. This does not in any way mean that David Moyes is not a good coach. Moyes has done a very nice job in West ham United. I could remember when West ham was no a name in the English Premier League but today Westham is a good name. If not that this season was not favorable for the West ham team, I can remember that last two seasons and the last season was good for West ham. In fact in the European competition West ham went on beating throughout their group stage in the Europa League. The last two seasons, they also fought very well for top four which they maintained till the 11th hour when is slided. So this shows that David Moyes has done a good work in the Westham United club.

But then I am a believer of a fresh blood after some seasons. Honestly I really thought that day combination of Bowen, Muhammad kudus and Antonio would do a better work for West ham this season, but it did not turn out to be so. As sincerely believe that a new coach could do something better with these boys in the coming season.

On a scale of 1-10 I will say 9 out of every 10 are addicted to making more money even though not everyone attain this height at the end of the day. We live in an every hiking economic society. Prices of commodities keep changing as each day passes by. This has invariably triggered the addiction to more money as the usual earnings is no longer enough to maintain once life style.

Many have been forced into adapting to their current spending ability, others have deviced means to earn more so as to meet up others has choosen the looting method just to survive.

Based on this Ninety percent of people in every sector of life has higher chances of looting only that most people are not privileged to get the opportunity to carryout what's in their minds

Any investor who is selling his bitcoin investment for short-term profit is just messing up and delaying his bitcoin accumulation journey. That person can never buy back the same quantity of bitcoin he or she sold because bitcoin will not dip to the price that will make that person buy back the same quantity of bitcoin. Even if the person buys back bitcoin, he will not be making the same profit as the person who accumulated the same quantity of bitcoin with him and held it for the long term.

That is why it is good for people not to invest their whole money in bitcoin so that they will not wake up one day and decide to sell their bitcoin and buy a computer or something else. People should always invest in bitcoin with the money they can do without for a long time so that they will not think of selling their bitcoin to survive. The only thing that could make someone sell his bitcoin is when it is a life-threatening issue, and there's no other means to save the life of the person in question if not to sell your bitcoin to raise the money needed for the person to be alive.