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501  Economy / Economics / Re: Passion for skills. on: January 21, 2024, 11:32:36 AM
Skill is very important,  skill is something that you can develop and it becomes a powerful too that will always be with you and will generate money for you as long as you exist on earth. When one have a good skill and handle it very well it is easy to go anywhere and survive without bothering how to start up life. Skill is something that you can always look up to, job can fail, job can end but skill will always be their. We should try to get advanced in our skill, it will take one along way.
Skills are something that we must deepen, you are right that we may lose our jobs and so on, but we will never lose our skills because it is something that is inherent in us. Skills can bring money, skills can also create jobs that might help others. As humans we will definitely have different skills, so that's what we should explore.
I believe that there are skills that come from talent, there are skills that are born because of hard work and diligence in learning them, so for me it is impossible if someone does not have skills if that someone works hard. Those who always complain that they don't have anything to show for it means that they don't want to work hard.
502  Economy / Gambling discussion / Re: Germany League - Bundesliga Prediction Thread on: January 21, 2024, 11:17:19 AM
Bayer Leverkusen coachXabi Alonso is the front-runner for the club, he's pleased as his side wins for the 15th time this season in the Bundesliga. They are on track to win the Bundesliga title, have put on a magnificent performance, and are poised to make their opponents look inferior. I'm disappointed in RB Leipzig since they failed for the second time this season to become the first team to end Bayer Leverkusen's winning streak. RB Leipzig was very close to winning both games, but tonight they conceded an injury-time goal that changed the outcome, atlast Bayer Leverkusen smiled.
Bayer Leverkusen's match tonight was full of surprises because in the final minute, a young player aged 22 named Piero Hincapié managed to score a goal in the extra minute, which ultimately led Bayer Leverkusen to win and get quite a good additional point at the top of the standings. The difference in points between Bayer Leverkusen and Bayern Munich is very large, and it seems that this season's Bundesliga can already determine who will be the winner.
An exciting match was shown by both teams and Leverkusen managed to win the tight match. Leipzig surprised with a quick goal, the 1-0 score lasted until the end of the first half. In the second half Leverkusen tried to find a quick equalizer and they managed to do so in the first 2 minutes of the second half. Leipzig could have taken the lead again, but Leverkusen didn't wait long to let Leipzig take the lead and 7 minutes later they managed to equalize again.
Going into stoppage time I thought it would be an even game for both teams, but Leverkusen scored the winner which must have been very painful for Leipzig. Leverkusen winning again, that's amazing.
503  Economy / Gambling discussion / Re: Italian League Prediction Thread (Serie A) on: January 21, 2024, 11:02:11 AM
Very important win for As.Roma today as they were looking for a victory for quite some time and if I'm not mistaken , this is their first victory on 2024. Also , with this victory the team will most likely get a morale boost ( + DeRossi being a badass who won't permit a lot of things to new players but also the youth ones ) so that's why I do think As.Roma will start a winning streak from here.
I know AS Roma would win against Hellas Verona because every AS Roma player will want to impress their new head coach so that they will have playing time at AS Roma. The win against Hellas Verona has taken AS Roma back to their winning ways after they failed to win their last three matches in the league.
Their quality with the new coach has not really been tested because they are facing a team that is inferior to them on paper. But it was a good start for De Rossi as he won the match on his first trip with AS Roma. That could be a boost for the mtches they will have after this match.
De Rossi must be able to take advantage of the time he receives to make AS Roma even better, I realize that the time he has is really narrow, but it must be a stage for him that with a narrow time he can bring AS Roma even better than before.

Juventus will be meeting with Lecce today. I see this match as an easy win for Juventus. Juventus are undefeated in their last 15 league games and Lecce have recorded only a win in their last 15 matches within Serie A. I think Juventus should secure 3 points here.
Juventus, Inter and Milan are now occupying the top positions in the Italian league and in terms of points they are ahead of the other teams by a large margin.  So now there will be a fight between these 3 teams.  Inter plays very well, they are very different from other teams, because of which they are in the 1st position of the points table for a long time.  Now if Juventus get 3 points now they will be top.  Because they were only 2 points behind Inter, now they will be 1 point ahead of Inter.  This is very happy news for Juventus.
Juventus must be able to make the match bear fruit still sweet results, because seeing from the opponents they will face they are still very far ahead of everything. Lecce's only advantage in this match is that they will play as the host, that's all. Juventus also really need a victory to stay on track, if they win this match they have the opportunity to shift Inter Milan at the top of the standings, yes at least before Inter Milan play their match, because Inter Milan are scheduled to have a delayed schedule in this 21st week.
504  Economy / Gambling discussion / Re: La Liga (Spanish League) Prediction Thread 2023/24 on: January 20, 2024, 07:53:24 PM
In Spanish League Villarreal vs Mallorca match between two teams today neither team could win. Both teams scored 1-1 which led to a draw. Villarreal team led by 1 goal in the first stage of the game. Villarreal team player A. Sørloth in 45+1 minutes.  Go ahead by scoring. Then Pepe Reina got 1 red cards in 62 minutes. On the other hand J. Llabrés scored 1 goal in 90+1 minutes to draw the match. Villarreal team had more chances to win today's match but didn't play well at the end of the game which led to a draw.  .
Villareal failed to maintain the 1 goal lead they managed to create in the first half, all because of negligence made by their defense line in the 91st minute, fortunately I didn't place a bet on this match, I doubted that Villarreal would be able to win even if they were host for this match. There is also something that I'm annoyed about with Garcia Toral, why didn't he play Capoue from the start, I think Capoue has a lot of initiative as a midfielder, unlike the others, this draw means that Villareal and Mallorca only compete with narrow points.
Mallorca were lucky enough not to lose the match, as they were able to equalize late in the game. I think Villareal deserved to win given the way they played, but this is football that can't be predicted even though they played better than their opponents. Had they not lost a player and had to play with 10 men, I'm very sure they would have been able to secure 3 points.
Villareal must be very disappointed with this result because they dropped full points when they were already at the end of the game. This result makes no change in the standings, they are still in the same position, Villareal in 14th position and Mallorca in 15th position.
505  Economy / Trading Discussion / Re: Why people mostly fail in trading on: January 20, 2024, 01:26:41 PM
Trading is not a get rich quick scheme as most newbie think, it's more difficult that we all can imagine, but their is always a way to navigate your way in trading so  as to come out profitable.
The main reason why most trader fail in trading is that they are not trained in the craft, most experience traders as they call their self don't even know how to identify the least support and resistance, talkless of knowing how to react when they see some certain chart pattern or candle stick pattern.
They only see what is produced by professional traders without seeing what the process has gone through. If they see the results obtained by others then it will clearly create thoughts in their brains that trading is easy and can be a way for them to quickly get rich. Not to mention they see influncer influencers who only show profits, I'm sure most of them have never seen how someone lost money because of the trading they did.
Trading is not as easy as it seems, without thorough knowledge, they will lose money in a matter of a few seconds. Indeed, when someone is too eager to make money quickly, they will lose logical thinking.
506  Economy / Economics / Re: Financial education and why it should be a priority. on: January 20, 2024, 12:56:55 PM
It’s not just schools that are responsible to teach us  financial education but it should also start at home. By saving small amount at a young age, we are already train on how to manage our finances so that we can be more responsible in managing our finances when we grow mature individually. Schools and home are responsible to teach us financial education, and harness our skills when we are already building our own source of income.
Well right, home should be the first school for everyone, parents should be able to set an example for their children, because children will definitely see their parents' habits and they might follow what their parents do. after that let them be independent to find something to do so that their finances do not become bad in the future.
The environment will also greatly influence behavior, including in terms of finance. because from what I see now many people fail because they are in a bad environment, not only in terms of finance, but in any case.
Not not allowing them to be in any environment, but parents should be able to give advice on which environment is good for them.
507  Economy / Gambling discussion / Re: Premier League Prediction Thread 2023/2024 on: January 20, 2024, 12:39:27 PM
Arsenal vs crystal palace will going to be a tough match but many people will feel it will not going to be a tough match based on the position Arsenal are in the premier league, and they are still playing at home with crystal palace. One thing people need to understand in this match is that crystal palace will do everything possible to ensure they escape relegation, because they are very close to it, but draw match can happen if they can mark Arsenal players very well through out the match. Brentford will lose against Nottingham forest because no matter how prepare they prepared in this match to use home advantage, it will be difficult for Nottingham forest to allow Brentford to defeat them than to make the match end draw 1-1 for both team to share the points.
Arsenal can't afford to make the same mistakes in this match, they need to get up quickly and win the match if they want to still be in the race for the title this season. They are 5 points away from the current leaders, that's because they got 3 unsatisfactory results in the last 3 matches, first they got a draw, then then they had 2 consecutive defeats.
Crystal Palace is below them, and at this time Crystal Palace will be a guest team, they must be able to utilize it well. Arteta must be able to get his players to be in high confidence to be able to win in a match in their favor.

Liverpool, who will visit Bournemouth's home, will definitely still be the favourites. Because even though Liverpool don't play with all their mainstay players, Liverpool are still stronger than Bournemouth. Last week Tottenham were also able to beat Bournmeouth so there is no doubt Liverpool will also be successful in winning tomorrow's match.
Liverpool need a win to keep them at the top of the standings, because if they lose it is not impossible that Manchester City will be able to take over their position in the standings. They get an arguably easy opponent this week, so it shouldn't make it difficult for them to get a win, even though they play away from home in this match.
But they must remain wary of Bournemouth because they also have a good record in the last 5 matches by being able to record 4 wins and only feel 1 defeat in the last match. They have the potential to make it difficult for Livepool.
508  Economy / Economics / Re: Logic of life on: January 19, 2024, 10:21:16 AM
So, before you can move from earning $100 dollar monthly to $1000 per month,
   One of the major thing you must scale up is your knowledge.
Knowledge is really crucial because that's how you can gain skills to use for improving yourself and to expand your resources to earn money. Sometimes one don't have to be a degree holder in order to succeed. Because even if you didn't finish your studies, but you're still learning through self studying (since it's already available online) that would be a big help to gain knowledge.

Experience will also play a vital role for self-growth. This way, you can maximize your chance to look for more opportunities for a better career since your mind is filled with knowledge and experience as your keys to reach your goal.
Knowledge, when matched with experience, is an invaluable asset in life. Many people who may have a lot of theoretical knowledge but they lack experience will also hinder them, because sometimes the theory is not always in line with what happens in the field. Likewise, experience is not balanced with knowledge or balanced with learning from mistakes it also creates the oportunity we will face the same problems. This is because knowledge and experience will complement each other and live life, both play an important role in the life we live.
509  Economy / Gambling discussion / Re: UEFA Champions League 2023/24 Season on: January 19, 2024, 10:00:14 AM
Manchester City last season can’t be compared to this season after what they’ve faced in this season that caused the a setback in the league. Most of their talented players that will move the team to the next level are out on injury for a very long time and it affected their games very well. Now that they’re back, I anticipate that they’ll be having a smooth season henceforth and improving their rankings on the standing ahead to finish in a better position.

But I don't think City will be able to back to back Champions this season. Injuries to key players will greatly affect their performance even though they have recovered from injury. City is currently not as strong as last season. I think Real Madrid will get the treble winner this season. They have already won the Supercoppa Espana, then they are huge favorites to win La Liga. And they are the best team and have a big chance to become champions in my opinion. They appeared very solid and had a winning mentality even though there was a lot of pressure on them after Benzema left.
It is always difficult to predict who will be able to win the Champions League every season, defending chmpions Manchester City have also shown a setback, yes even though it is not a very far decline, but still their superiority is no longer visible this season. On the other hand, many teams are starting to improve, Real Madrid is not like last season, they have made many improvements this season and it is a real threat to any team when Real Madrid is in a very good state.
I wouldn't rule out Manchester City defending the title, but to be honest it's very difficult to do. It's not as easy as you might think.
510  Economy / Gambling discussion / Re: Germany League - Bundesliga Prediction Thread on: January 19, 2024, 09:45:41 AM
The odds are reduced because Darmstadt doesn't stand a slight chance to win Frankfurt that are in close competition for the top four this season. Darmstadt in the relegation zone and I don't thing they can be able to poses any threat to Frankfurt.
Eh, I've seen many top 4 teams fail to beat a team in this season's relegation battle. Liverpool vs Luton for example, just shows football is unpredictable. Didn't Girona draw at Almeria too in La Liga? I don't think the Bundesliga is that different even though some people call it a farmer league or whatever. It would be hilarious if the opposite happened, emotion is part of the game and a good coach can definitely inspire a team struggling to stay afloat to get some points here and there.
The standings are too big a difference between the two teams that will compete, but that does not mean Darmstadt has no chance. Well we can see in another league that also features a surprise, Girona could not win when dealing with the bottom dwellers.
Regardless, Frankfurt are worthy of being on the betting list, I love it when the odds are bigger, because I can include them in my multi-betting list.
I expect that to make this match interesting, they will play offensively so that they can show the buying and selling of attacks throughout the match. Because if one of them plays defense, it will probably be a monotonous match.
511  Local / Bahasa Indonesia (Indonesian) / Re: [HELP]Bantuan untuk menaikkan Rank (Newbie s.d Hero) V.2 [UPDATE] on: January 19, 2024, 07:31:16 AM
Selamat sore, hari ini di hari Jumat yang berkah ini, saya ingin kembali mengajukan postingan untuk direview oleh rekan rekan semua.

Berikut postingan yang saya ajukan

512  Economy / Gambling discussion / Re: Italian League Prediction Thread (Serie A) on: January 18, 2024, 06:36:14 PM
In a few hours there will be a semifinal match in the Italian Supercoppa between Napoli v Fiorentina and yes, even though this is a semifinal match, to be honest I not have a good prediction to determine which team will win this match. Because after all, Fiorentina in their last match in Serie A also played badly against Udinese and at the same time or at this moment, at least Napoli is also in a bad trend. Moreover, Osimhen is also currently playing for the Nigerian national team which is currently taking place in the Africa Cup of Nations between Ivory Coast v Nigeria.

With considerations like that, at least there is no definite guarantee for Napoli and Fiorentina to win within 90 minutes. But indeed, considering that at this moment Napoli is not completely good compared to Fiorentina then yes, at least Fiorentina still has a good chance of winning. But still, regarding the final score I might be more confident about under goal result, because it doesn't look like there will be many goals scored in this match.
We will always base a match on their performance in the league, because from there we can see their performance more thoroughly because the league runs and has a schedule every week, as well as the match between Napoli vs Fiorentina in the Supercoppa Italia semi-final. Napoli are at a disadvantage because one of their mainstays is not in the squad, Osimhen, they also have a performance that is not much better than Fiorentina.
I agree it's hard to predict, but I prefer Fiorentina to win this match. They look better prepared than Napoli, and I think they'll take a narrow win over Napoli.
513  Local / Ekonomi, Politik, dan Budaya / Re: Diduga data KPU-204 juta di retas hackers dan di jual di Dark Web senilai 2 BTC on: January 18, 2024, 06:13:45 PM
Apakah pertahanan negara kita selemah itu sehingga bisa gampang untuk diretas oleh para hacker?
Apakah mereka tidak pernah belajar dari kesalahan sehingga hal yang sama terus berulang?
Sebagai salah satu warga negara merasa sangat dirugikan karena pemerintah kita tidak bisa menjaga privasi dari warga negaranya. Meskipun mungkin kabar ini tidak bisa dikonfirmasi kebenarannya, namun tetap saja hal ini membuat kita sebagai warga negaranya khawatir.

Hal ini juga menyangkut pertahanan negara, negara kita selalu mudah untuk dicuri budayanya, kekayaan alamnya namun juga mudah untuk mencuri data data warganya. Intansi yang terkait harus bertanggung jawab akan hal ini, mereka harus memperbaiki sistem agar tidak mudah untuk di retas, mereka harus menjaga privasi dari warga negaranya agar tetap aman.
514  Local / Ekonomi, Politik, dan Budaya / Re: Bagaimana tolak ukur Suksesnya Pemilu? on: January 18, 2024, 05:48:25 PM
Suksesnya pemilu diukur dari bagaimana lembaga yang terlibat dalam pemilu menjaga kode etik sebagai penyelenggara pemilu. Peserta pemilu yang terlibat seperti partai politik atau perseorangan (independen) dituntut harus berintegritas, mereka harus taat dan patuh pada aturan-aturan yang ditentukan dalam pemilu.

Peran rakyat sangat menentukan suksesnya pemilu, tingkat partisipasi masyarakat yang lebih aktif dalam menyambut pesta demokrasi ini akan menentukan nasibnya untuk lima tahun kedepan, siapa yang akan menjadi pemimpinnya berada ditangan para pemilih. Masyarakat harus memiliki integritas dalam memberi hak pilihnya yang menjadi wakilnya di parlemen, ketika yang terpilih pemimpin adil yang bisa membawa perubahan pada tingkat ekonomi masyarakat, mereka telah berhasil menjalankan tugasnya dalam pesta demokrasi dengan menyukseskan pemilu melahirkan pemimpin yang jujur dan adil.


Ya persentase partisipasi rakyat salah satu ukuran apakah pemilu itu sukses atau tidak, sebab semakin tinggi partisipasi rakyat itu menandakan rakyat menaruh harapan dan kepercayaan kepada para calon yang maju untuk menjadi wakil rakyat. Jika partisipasinya rendah, menurut saya itu menandakan bahwa rakyat menurun kepercayaannya terhadap para wakil mereka.

Untuk pemilu tahun ini saya cukup khawatir, sebab pro kontra terjadi bahkan sebelum penentuan calon. Saya dalam hal ini netral dan tidak bermaksud untuk mendiskreditkan pihak manapun, namun keputusan MK pada saat itu yang meloloskan salah satu calon untuk maju di pemilihat Presiden dan Wakil Presiden menimbulkan pro kontra. Ya banyak yang menganggap ini adalah politik dinasti sebab yang dipermasalahkan itu merupakan anak dari Presiden saat ini.

Oh ya tidak terasa kurang dari sebulan lagi kita akan tepat berada di hari dimana pesta demokrasi akan terselenggara. Saya berdoa semoga semua berjalan dengan sangat lancar untuk mewujudkan Indonesia yang lebih baik.
515  Economy / Economics / Re: Financial education and why it should be a priority. on: January 17, 2024, 12:32:00 PM
The fact of the matter is that you don’t need to strive to earn a lot of money, but you should learn the process of investing in order to make a profit and free up more personal time. That's the point. Many people, like you, do not understand this. If you spend your whole life earning money, your financial needs will never be solved. Remember this. You need to work not with your hands, but with your head. Only then will you have decent capital.
No need to work hard to earn a lot of money?
I don't agree with what you are saying here, although it may be true that investment will bring a decent profit, but how can we invest without working hard? there must be money for us to invest, right? although we may have money to invest, but also keep in mind that in investment it will take a very long time to take profit. and in that long time where can we fulfill our daily needs without having to work? if you know how, please tell me.

On the other hand, I agree that we also have to work with our heads, which I usually call smart work, but for me it must also be balanced with hard work. I think both should go hand in hand.
 
516  Economy / Gambling discussion / Re: Premier League Prediction Thread 2023/2024 on: January 17, 2024, 12:00:03 PM
Yesterday West Ham lost in the FA cup against a team playing in a much lower division than the Premier League and that for me was a really big surprise result.A team from the Premier League who happen to have won not long ago the Europa Conference League to lose to a team playing in a lower division.That shows that West Ham is truly in a volatile performance in the Premier League.
I thought West Ham would recover in the second half, but Benrahma's red card turned the whole order upside down. Unfortunately, after this moment, nothing was achieved other than waiting helplessly against Bristol. They don't care much about the FA Cup, but it must still be sad for them to lose to a team in the lower league.
It was a very disappointing defeat, as it came against a team in a lower competition than them. If I'm asked if they deserve this defeat, then the answer is that they do, because in the game they are not so good and even the opponent can play better than them. Maybe the red card could be the reason for their defeat in this match, but still by chance when they were still playing with 11 players in the first half they did not show anything better.
West Ham must evaluate their defeat in this match, because if this continues it will be a threat that comes from within themselves when in the Premier League.
517  Economy / Gambling discussion / Re: La Liga (Spanish League) Prediction Thread 2023/24 on: January 17, 2024, 11:36:40 AM
Xavi as a coach must be responsible for Barcelona's current poor performance, but management must also provide support to bring in new players in this transfer market to improve the quality of the team, otherwise Barcelona will not be able to win any titles this season.

In a situation like this, there are many who are beginning to doubt Xavi. Although I think Barcelona have not been as bad as Man United in the EPL meaning Barcelona are still on a pretty good path. Although indeed 2 defeats in the match at the Elclasico many speak of Xavi having failed. Remember the change from Koeman, Xavi was very instrumental. He shaped Barcelona until now, and this period I have not said Xavi should be replaced with a new coach. But some people may think differently, rumors of selling some players to buy new players do not seem to be the right solution. This is because the players sold are regular players who perform quite well.
Xavi picked up Koeman's ruins well. He even made Barcelona champions, but sometimes changes are necessary. Even if you make the team a champion, after a while the change may be good for the team. It is not easy for any coach to achieve the exception of being a long-term manager like Arsene Wenger. Of course, if Xavi manages poorly, it can change.
I have my own views on Barcelona's decline in form. He started when the team was in the doldrums and he managed to build up to the championship last season, it was a very difficult task, but he did it. Now the problem is that they are starting to decline again and Xavi has to bear all alone? I think it's unfair to Xavi, because the management itself cannot provide facilities for him, such as in bringing in the players Xavi needs. Has the management been able to fulfill that? My answer is no. I'm well aware that the coach will be the first to take the blame, but we shouldn't turn a blind eye to the fact that his difficulties also come from the management itself.
518  Economy / Gambling discussion / Re: Germany League - Bundesliga Prediction Thread on: January 16, 2024, 04:20:20 PM
Leipzig team is strong in home matches. Despite losing 1-0 against Frankfurt in their last home match, their performance was very good, and Leipzig had won their previous four home matches. So Leverkusen will have to play very carefully if they want to secure the three points. Leipzig's attack is also quite strong. They scored 38 goals in 17 matches. If Leverkusen's defense makes a mistake in this match, Leipzig's players will take advantage of this opportunity. I would say 50-50 for both teams to win this match. Although Leverkusen are top of the table, they cannot be considered favourites. Leverkusen has the possibility of losing points in this match.

True, Leipzig is one of a strong team when they play at home.
In this season they only lost once in 8 games at home, even Bayern and Stuttgart are not able to get 3 points there.

It will be interesting to watch this match, there must be many goals because Leverkusen will play attacking and Leipzig is good with counterattack.
Also Leverkusen will host Bayern on Feb 11th, a very very important match for both sides.
This season anyone who faces Leverkusen must have a higher spirit to be able to beat the team that has not been defeated until week 17. Playing at home is an advantage for Leipzig, yes one of them is a team that can be strong when playing at home. This will be a very interesting match and I am sure they will present a game that is easy to watch. Playing defense is not a good choice for Leipzig because they need goals to win, as well as Leverkusen, they will appear to attack to be able to maintain their winning record and also maintain their position in the standings. I think these two teams will be able to score goals, and a draw is a great opportunity in this match.
519  Economy / Gambling discussion / Re: UEFA Champions League 2023/24 Season on: January 16, 2024, 03:59:55 PM
With KDB's return, Man City's mentality is getting better. He has a very good game-changing vision. It cannot be denied that KDB is one of the best midfielders in Europe currently.
Especially if he plays together with Haaland, he is a very real threat to other clubs. So far at the same level as them are the defending Kings Real Madrid and Bayer Munchen.
These three teams are the favorites to win the Champions League this season, because they have the greatest chance and their experience has been proven.
In terms of experience, the three teams have different levels of experience in the Champions League and I think there will be interesting competition between the three teams this season in the Champions League. Moreover, with the return of Kevin De Bruyne to the Manchester City squad for the remainder of this season, there will certainly be a good incentive for the Manchester City team itself to compete again with other big teams in the Champions League, especially with the two teams you have mentioned.
A complete squad without any of your players who cannot be played is a dream for the team in the Champions League, because with a complete squad they can implement their best strategy played by each player. The return of Kelvin de Bruyne is something that Manchester City is eagerly awaiting, yes because he is a player who has been the key to their game, especially in running attack creators.
Manchester City want to be able to defend the title they won last season which was also their first title during the Champions League, so they will appear all out in every match.
520  Economy / Economics / Re: How to stay poor! on: January 16, 2024, 03:43:07 PM
Yes you are right, something that is forbidden will be easily remembered, and that is proven by the many rules that are broken for example, not just in this context, but across the board. For people who take a glance and don't delve deeper into what the OP is saying, they might protest. But if it is explored further then there is a figurative meaning here so that we think more.
Sometimes it is the comfort zone that prevents us from getting out of the poverty zone, they become afraid and in the end have pessimistic thoughts, that's what we have to fix first. Because I also think that mindset is one of the important factors to avoid poverty.

Most of the time when it comes to financial management then people do really fail on this one. Why? they are really that focusing on things which arent supposed to be
focused or put some importance. People would really be just focusing on things on which they do know that they could really be able to have without
even minding on what would happen in the future.
I personally always keep 3 things in mind in this case, which are primary, secondary and tertiary needs, I just make sure my primary needs are fulfilled and I don't think too much about the other 2 needs. Clothing, food and shelter are things that I have to fulfill and maybe investment is now one of them that I discipline in my life.
You are right that many people do things that are not really necessary and urgent, one of the causes is the environmental factors around them. sometimes they have prestige which in the end forces themselves to do something unnecessary and sooner or later it will hamper them in terms of finance.
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