ok so i done some math
i done some mortgage calculators of a £100k property from 2003 to 2023(20year mortgage 6%) and also checked the average house price increase over 20 years to calculate how much a sell value for a 2003 £100k house would be today
well a £100k house mortgage ends up needing £168k of money handed over($68k interest), over 20years
the £100k in 2003 house would resell for £195k this year
leaving a £27k profit which after paying in £168k means only 16%profit over 20 years or 0.8% a year
now for inflation
2003 £168k = 840k walmart baked beans (20p each)
2023 £195k = 696k walmart baked beans (28p each)
if someone bought baked beans instead of a house in 2003 they would have bought more beans than they would if they bought a house, sold a house in 2023 and then bought beans
so yes real estate is a bad investment over the last 20 years it didnt hedge inflation
You're missing big parts of the picture. Firstly a couple years ago, and going back to around 2010, interest rates were rock bottom - around 2% for a long time. Which means your 6% mortgage figure is entirely worthless. Secondly, a house is not just an asset like gold that you buy and sit on hoping to flip for a profit. It is a home, it is a place of safety and rest, protection from the elements and a necessity of everyone. If you're not paying off your own mortgage to LIVE somewhere which is an essential fact of life, then you are renting and indirectly paying off someone elses mortgage. If you rented a property instead you have nothing to show at the end of it all. Property has gone up 10%+ some of those years, but the market fluctuates, there are some bigger winners than others but property absolutely is a solid investment - it doesn't need to be a gold mine. |
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If you walk into a casino with $200 and you start playing with that $200 and you win $200, get the hell out, you simply just doubled your money, take your goddamn leave, what do you think you wanna do? Win a million dollars? You will go home empty handed.
The next thing that rings in your ear is you can still win another or more, that's the devil whipsering, the art of gambling is knowing when to stop.
The only game where you have some power is in Poker, not the online one, this is the best game in casinos, as making profits off of bad players is possible.
As for Other games, You are at the mercy of the house.
No one actually visits the casino to have fun, you gotta trick the mind, I like to think of it has a fun night out and I am going to spend a few hundred dollars and have a good time and if I win it's a bonus, like I've said, you gotta trick the mind.
Always remember this, you are there to win a game where its statistically impossible to win at, it's not impossible to not understand this about gambling, a wise man once said, "if you want to make money with gambling, own a casino".
The fact that casinos operate for so long suggests that they are making a massive profit and by that conclusion most people do not take your first piece of advise. More often than not the mentality of a gambler, or someone just entering a casino for a bit of fun is, my budget is $x and I'm going to spend that much, my intention is to win but if I win I do not have an exit strategy. This behavior just leads to putting any "winnings" immediately back into the games, somehow thinking that they will win even more. There is a very clear line between a casual gamer, someone that can identify when to walk away either after losing a certain amount or gaining anything, and a problem gambler who will put every penny in because they lost any reasoning a long time ago. |
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South Asian countries such as India, Bangladesh, Pakistan, Afghanistan, Sri Lanka, some regions are economically very distressed. Bitcoin is an important topic for these regions. Some people in this region live very close to the poverty line. Due to which it becomes difficult for them to run parallel to the country. Through this platform the foreheads of the people of all these regions are being opened.
I think cryptos effect in these countries is rather limited, but then it is limited in most countries at the moment. The one really useful thing to people in these countries is how it can be used for overseas remittances, where family members are able to send money back that they earned to support families in these poorer countries. Crypto allows them to avoid scrutiny of sometimes unfriendly government financial authorities and also minimize transfer fees that can be very greedy from some banks. A lot of these countries will operate various types of black market as well, as the government is unable to effectively or without corruption provide certain services. However it often depends on having an internet connection which can be hard to come by in certain areas. |
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I was in argument with someone. His view is that people who gamble are those that what they have is not sufficient for them and so they try to make more money from gambling. He said if you have sufficient money to take care of your needs that you won't think of gambling. He made reference to some rich people, who don't gamble because they have sufficient money to even gift to charity but that those rich who still gamble are only addicted to it not just because of the money. Therefore, that the percentage of the rich gambling is very small compared to those in middle class and lower class.
So my question is, is the percentage of the rich gambling lower than the middle and lower class?
These are the most dangerous kind of gamblers, those who are doing it out of desperation. Gambling should be kept to a fun side activity, something you can do with a small budget solo or enjoy with a group of friends in an appropriate setting. Unless you are a professional poker player or working in an equally skill based game, you're never going to make enough money to justify time and money spent. You also need to understand the economics involved, because even as a pro poker player in America trying to make a living wage, you might be trying to hustle against people who are happy to be earning $3 an hour in certain countries which more than covers their expenses and is a very nice income for them. |
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If you dont adopt changes fast u stay poor
And it's not matter of your skills or your current wealth anymore not even anything else what we use to think it was important.
Im a about to tell something that you gona be thankful to me all your life.
CBDC are coming but the way you think and that's how the elite rich themselfes now after great RESET it doesn't matter you own property or you got 100k on ur bank your wealth will be depended on ur cryptocurrency assets.
What the central banks don't tell you guys is this that they don't use some unknown... blockchain its a lia big lia don't fall into that
The cbdc-s will be run on well known blockchains and that's how overnight many of you will become wealthy becouse well known cryptocurrencies value will go High fast after this.
And that's the biggest secret and they hide this in history the average people never acted wise ways becouse they never want to learn.
Also speaking about tokenization all your real estate Will be turned into NFT token that's the part of CBDC plan and it Will be well known blockchains not some unknown the stories what i tell you it's a Lia
I want to see faces of those guys ....who will be surprised and they been waiting for some central bank magical blockchain wich has no proven techical capability no track record and no evidence of utility so people get ready some of you will be poor Also the panic sellers but those who hodle Will be swhored with money soon
As i know wall st and finances Im pro i can tell that aave and uni are those who Will benefit most in upcoming federal reserv system system
So i want to see those guys who will say now btc not important the btc will be all over the world one of the main things
But who would listen you when it's time to listen? Like tje times noah...nobody listening really.
Now it's Same situation and those people who will be waiting some "ecb Christina lagerde kind of " magic blockchain will be very disapointed.
And yes world wealth and all the resources will be soon distrubuted to crypto holders and soon the great reset some of the banks will disapere Also and nobody don't bail them out becouse they are old and If they got no blockchain related system then they fail
That's how it goes off course only fed and central Banks knows wich blockchains but for main ones ethereum will be one used for real easte tokenization ...those nft play it's not joke people think it's some kids fun on opensea but it's not the big funds and instutions are actually in this so things Are about to getting very serious If u not in it's bad for you.
But yes i want to see those people who hope that central banks doing some unknown blockchains....i'll be laughing then becouse i know for sure things will go different ways becouse remember elite and rich people can't never tell others the truth it's your duty to use brain and find out and If not you don't deserve wealth
Grasping opportunity ties into what you've said as well, as you might be adaptable but you also need the courage to jump at offers as they are thrown to you. When you are younger you may get a lot of offers to do various jobs or start new ventures, you need to analyze them careful but be aware that because the world is so fast moving that opportunity might soon be gone never to return. If you get offered a chance at an interview for a job via a friend who thinks you might be a good fit and you've been lazy in life up to that point, you should go for it because you don't know if it will lead you to much better things in life. On the flip side, if you're doing a job for a while and it becomes too much of a chore, maybe you should start to look elsewhere because it might not be what you want to do with your life and you'll be happier chasing the thing you actually want. |
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Do you keep a record of winnings and losses in gambling? Many here will feel that this is waste of time and will also not let them enjoy the game peacefully. Do you also have same mentality?
Unless you're playing a serious game where you absolutely and mathematically can verify that you are getting an advantage over the casino or other players, it feels a little bit pointless to keep a track of wins and losses for gambling. On games like slots, you can simply watch your wallet deplete quite consistently and be sure that the whole game is engineered to clean you out, there is no doubt about that. You just have to remember that every gambling company is in business to make money and they make it from people like you. Even if you do gain short term success or figure out a way to beat them in something like sports betting, they will quickly adapt and stem the losses that they are taking in future. |
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I don't know who needs to hear this but you need to get insurance if you have assets that are your source of income and it can be insurable. This may not mean much to a lot of folks in developed countries because they're familiar with it, but a lot (and I mean a lot) of people in underdeveloped countries don't care about insurance.
I've read stories of people who were okay financially going broke because they have spent all they had to treat an illness for themselves, their children, or loved ones. I'm not saying insurance is our personal lord and savior, but it can help you in tight situations.
Around November last year, I volunteered to join a local and small NGO that was taking food, drugs, and other supplies to flood victims.
For context of how big the flood was, we used speedboats on roads and it was as though we were on a high sea.
Experts gave lectures on how to prepare for a flood and not wait for it to be too late. Some of the people we met told their stories.
We met one woman whose case I found very interesting.
She had a farm; a fishery and a poultry farm. The poultry was much bigger than the fishery. The farm was so big and established it made her thousands of dollars monthly in gross income. The flood took her by surprise, she was able to rescue some feeds and animals, but she lost so much of it.
Now let's ignore the fact that she was careless for not believing the warnings that a very big flood was coming because, in her words "In my 56 years of being alive and my 17+ years of doing this business, I've never experienced the tiniest bit of flood"
Let's focus on the fact that neither her farm nor a single thing on the farm was insured despite generating that kind of income.
Because of the damage we saw, the NGO started a campaign for the government to help these farmers with grants and loans so they can get back on their feet (but y'all know how politics gets). This allowed us to visit this woman at her farm. She's back on her feet, but it could take years to get back to what she was before the flood.
If her farm was insured, it most likely wouldn't have taken her that long.
There are many more people like this. A cab driver loses his care and he's back to square one because that's his source of income. Others get an illness that is expensive to treat and they go broke trying to pay for the treatment.
A husband and father die unexpectedly and leave nothing behind, leaving the wife to struggle alone to take care of the children. This takes a family that was comfortably a middle-class family to a lower-class family.
If you make money, get health insurance for you and your family, and insure your assets that are a source of income, businesses. Get a life insurance to secure your family's future.
There's a saying " hope for the best and plan for the worst".
It's not only good advice, sometimes it is downright mandatory and written into contracts. Like if you take out a mortgage or a large business loan, you will often be required to insure it against catastrophic loss, because the bank also wants to be sure that the asset they are funding will be covered in the worst case scenario. It can be tricky when you get into more tailored insurance, like income insurance, when determining whether it is the right choose. Most people will go through their 20's without any need for things like that, as the amount they are earning can often be low, however once you get into your 30's and beyond there are lots of dangers out there like redundancy or health risks, which get more important to protect against financially. |
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Psychic betting is placing bets based on the prediction of individuals or even animals because of the belief that they possess supernatural power to accurately determine the outcome of a bet. There is the true story of Fatih Ozcan[1] who helped his boss Hayati Kucukkoylu to win a $1.7 million lottery through the power of dreams. He claimed that he received the revelation about the Euro Millions tickets from his dreams. There is also Paul the Psychic Octopus [2] who is known to predict international football games correctly. He even predicted correctly that Spain would win the 2010 FIFA World Cup. Some persons also believe in the gambling predictions of religious leaders [3] to place bets. Some people believe that lunatics are possessed by some supernatural powers so they also depend on them for predictions.
There's little logic to placing large bets on such things. The things they "predict" are often simple 50/50 odds, and if they're only making these predictions in some cases every two or four years - like for political elections or the world cup, then it's easy to string together a few lucky wins. If you flip a coin, very it's possible to get one side several times in a row - all this is doing is stretching those flips across a decade or more. They will also smooth over or ignore the odd prediction, or even try to reverse engineer it out of existence, but the prediction is also often reliant on one persons interpretation as well. There's nothing supernatural or special about these things, it's just all the failures get filtered out and a few randomly lucky ones get showcased until they disappear. |
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We have seen that it has been debated that there are more A students who work for C students or there are C students who earn more than A students. Personally I don't believe any of this premise. What I believe is that it doesn't matter whether you are an A student or have a high IQ. Rather it's about having the courage to venture into unchattered territories, including taking calculated risk and making the most of the opportunities that lead to high income. In our society today and in the past, the people who have demonstrated audacity and capitalized on privileged advantages to undertake risky yet lucrative business ideas are the ones who end up being of great influence and earn more. Do you agree?
While I think anyone is capable of achieving success without going through higher education, there are certainly some obstacles in business that become more evident the higher you move up the chain. There is also an element of backing that if I have two candidates applying for a job, one has some qualifications from a medium tier university and the other has nothing but basic tier school grades, then I could hazard a guess that the university candidate may have more perseverance at the very least. However at a low level it is a very tiny factor because I've seen some truly awful university graduates entering the business world without a clue how to operate, so you need to judge everyone individually. |
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I was guilty of this when I was a teenager not on online casinos but in a popular game on Fiesta It is a color game using dice, I was introduced here by my childhood friend and I had a lot of losses with this game, I'm using my school allowance so every time I lose money I blame my childhood for leading me to this color game I do it in a fun way as if I'm just joking but deep inside I hate it whenever I lose. I struggled to fight the temptation but the excitement led me to play again and again.
How about have you at any time blamed the one that led you to gambling in your mind, or even told him face to face?
Maybe I was lucky and never had such an influence, but rather stumbled into it myself which perhaps led to it not being so addictive. There is so much content and gambling sites out there now, with so many different sources of advertising, that it's quite possible for people to bump into this without anyone else directing them there. However personally I'd never share or encourage anyone I knew to do it if I was there with them. Just because there is the potential to lose so much money and it can draw out certain addictive tendencies, plus people often feel bad after the initial rush subsides. Knowing that gambling sites will often throw a few wins to people at the beginning is an illustration of how manipulative they can get. |
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I noticed majority of the people in my area tend to spend more money then usual when they get their salary, like buying things they don't really need.
I said majority of people because my dad owns a grocery store, I have noticed that most of the customers tend to buy more stuff on the 1st and 10th day of the month because on these days they get paid in my country.
I already seeing this pattern on news or business related youtube videos, but I didn't think it was a big deal.
Now I realized that its very important to consider this behavior of people when making business decisions because it can have a big impact on the sales or finances.
I am surprised by it because in my family we usually buy only things we really need, I am starting to understand how other people's spending habits can affect the business.
Do you also find yourself spending more on you payday?, or you approach your expenses differently?
This has been going on for generations, people want instant gratification and don't want to think about the consequences of paying it back. All the products and services out there use advertising designed to tell you how happy you'll be if you just purchase item X, while glossing over or disguising the price of it "in 360 easy payments of $5". Many people will fall into these traps because the education system in most countries does not set people up well enough to defend against this very clever psychology of sales. The focus is too often on math in schools, when it should be on financial instruments and encouraging savings / investments. There is also a lot of hidden astroturfing going around these days which can make it even harder to tell honest opinions. |
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A few days ago, I posed a question in this forum, wondering if, as someone who engages in gambling, you've ever considered thought of giving back to the community if you ever had a successful gambling run. I carefully went through all the responses, maintaining keen interest and taking note of each perspective. Another aspect of the inquiry involves whether you would be willing to participate in crowdfunding for a fellow gambler who reaches out to the public through social media seeking financial support after they gambled with the funds meant for an important project like, investment, school fees, rent, marriage or any other thing. And what would you say to those who go ahead to donate to these gamblers out of a sense of empathy?
Your original question was pretty ridiculous and now you've added in another layer of stupidity? People who throw away their own money and end up crippled might deserve a shred of sympathy, however they need to take it as a learning experience that once they rebuild, never to go that deep down the hole again. However people who steal other peoples money will and should find themselves serving a jail sentence, because it is simple theft and it doesn't matter the reason. Would you "crowdsource" charitable funds for a thief? No, you would not, so why do you think throwing the word gambler into the mix would make it any better. It's not a thief that was trying to save a starving puppy, it was a selfish and greedy thief trying to enrich themselves. |
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I was looking at some statistics about FIAT money, taking the European Union's Euro as an example. When comparing physical money, i.e., banknotes and coins, bank deposits, a stark difference can be noticed. physical Euro money: ~1.5 Trillion Source: https://www.ecb.europa.eu/euro/banknotes/html/index.en.htmlAll while the Euros in bank accounts peaked at a total of 11.7 trillion, now 10.5 trillion Source: https://data.ecb.europa.eu/data/datasets/BSI/BSI.M.U2.Y.V.M10.X.1.U2.2300.Z01.EWhat does this mean? There's undeniable proof that central banks know with confidence that most of the money in existence isn't destined for usage by real flesh and bone humans. It's printed specifically to be used by governments, banks and mega corporations, that will never need to withdraw it from an ATM like a real person would. Central banks don't even have to "print" money anymore if they want to inflate the monetary supply. They can just add more digits to a bank account. Of course, increasing the monetary supply results in us, individual people, having to face higher prices which means our money is worth less. Many of bitcoin's detractors will often say that it's held by too few people. Well, look at "actual money" then. 85% of it is completely unaccounted for. Keep this in mind next time someone says anything about bitcoin. It's not "unaccounted for" it's precisely there in all the figures that you show. It doesn't need to be paper or coin based to exist, the electronic medium is just fine for storing money - it's the very basis that bitcoin uses to exist after all. Banks have worked this way for decades, if not centuries, where they take in deposits (savings) and lend out money based on that amount, to keep the money markets liquid. It only becomes a problem when people build up elaborate and fraudulent trading schemes but they all get figured out eventually. The world seems to function just fine with the current monetary structure and it's been using it for a long time, so it hardly seems broken. |
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Hi guys, coming through with a rather odd question this morning. So, i was looking up on Wikipedia the meaning of Money Laundering , and below is a quote of how the site defined the term "Money Laundering"Money laundering is the process of illegally concealing the origin of money, obtained from illicit activities such as drug trafficking, corruption, embezzlement or gambling, by converting it into a legitimate source. It is a crime in many jurisdictions with varying definitions. It is usually a key operation of organized crime.
So, after i saw that Gambling was mentioned or listed among the listed illicit activities through which money can or could be laundered, I can't help but wonder if gambling is actually an illicit activity. Wikipedia did not mention gambling being an illicit activity in their definition of gambling here, why then did they mention gambling as one of illicit activity through which money laundering can be carried out? Please check this out and share your thoughts. Poorly regulated gambling institutions, like any poorly regulated companies, can be abused by criminals to do things like money laundering. It's historically well known that casinos were abused for this purpose, just like any cash heavy business, but most countries with effective regulators have figured out ways to prevent these things. Such as requiring membership to play in the casino, which requires displaying a form of ID, which can then be cross referenced by government agencies to pick out any suspicious patterns. As long as this sort of enforcement is taking place then it becomes much harder to wash money through them. However one of the biggest casinos in Australia had a big case on this topic only a few years ago, so it can still take place. |
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I find myself pretty bothered by everything going on in the world. Have you ever noticed how it's so hard to come across positive news about the economy, whether it's in our own country or globally? It's genuinely disheartening. Every time we read, watch, or discuss something related to the economy, it's all about inflation, recession, debt, bankruptcy, companies downsizing, laying off hundreds of workers, shareholders firing CEOs, and the company's stock taking a nosedive. Can't we just catch a break and have some good economic news for once?
I guess it depends what country you live in, but in places like the USA and Europe we are at almost record lows when it comes to unemployment. That is a fantastic situation to be in, as the more people are are employed, the brighter future people have as they can support themselves. In that economic picture there is likely to be less crime like theft or burglary, as people have the ability to earn an honest wage. Inflation is also coming back down in these countries, which was a bit unsettling. These effects are often mirrored by other countries, as it gets better in the richest countries then the poorest countries tend to have an easier time too. Currencies are stabilizing again in most places, as they might have been a bit more volatile over the last few years. |
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Gambling is not bad after all but addiction is, gambling has been receiving a lot of negative reactions and feedback but gambling also has a lot of health benefits associated with it but you can only get these benefits if you are a responsible gambler and you have total control of what you wage and limit your bankroll
It's like anything in life, if gambling is done in moderation and as part of a variety of activities that offers entertainment to a person then it could boost their happiness. If it's legal in your country, then it is just another outlet that people might like to spend time on and in some cases try to become an expert, e.g. in poker. If you keep your spending levels low and under control, it can even be cheaper than some other activities like going to (very expensive) concerts or a formula 1 race for example. It's only when you start to do it too much that it can become a problem, because real money is involved and you often lose it, there can be an element of loss chasing that creeps in, you just need to be aware at the start. |
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when the rich say 'ill give 95% of my billion away over my lifetime' they do not mean if they have $1b today they will be at $50m at death. what they actually mean is:
they have $1b in a bank account at 6% interest
meaning it earns $60m a year.
they give just $50m yearly interest away for the next 19 years ... (totalling the $950m pledge)
yet keeping the $1b lump plus earning $10m of personal spending per year
also the % interest is usually more than 6% but they only give 5% to meet their humanitarian/altruistic hustle pledge
enjoy that thought next time the rich try to make it sound like they are going to give up their wealth for humanity.. because reality is they are not.
I've never really heard it put like that, it's always been "I'll give away x amount of my wealth during my lifetime" and not a fixed number like a billion. The reality is though that most billionaires may only donate after they die because they've become accustomed to reaching ever higher, it becomes a sort of accumulation competition and they feel like they're stuck in some global ranking. There may be the odd billionaire that worded it the way you suggest, but they're generally not stupid people and don't necessarily care to deceive anyone. Even if they were giving away that money while keeping their wealth, they are still making a massive charitable donation compared to the average person which should be applauded and encouraged. |
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How will you feel if someone you know or just a friend of a friend walk up to you and ask you to finance them in gambling in exchange for a portion of their winnings? Does this even make any sense?
Because the only place this makes a bit sense is the skills base niche like forex trading or crypto trading, how can gambling/gambler be financed?
Have you heard of such before? What is the end result if you have?
Why would you trust anyone to gamble better than you can when it's all about luck?
Is anyone doing this on here?
Someone explained this to me, and I believe he is already a victim because to me it doesn't make sense, I believe he is been used because he lacks knowledge about gambling, do you think my judgment is wrong?
It sounds like a catch 22 situation, why would a good and profitable gambler ever need backing from an outside source? If they were making a profit then they could find their own expansion, which just leaves scenarios where you are giving money away to bad gambler's or downright fraudsters. Some people may do this on a high level by backing certain very skilled poker celebs, but the average person won't have access to that or be interested in putting up the sums that they would need. There are a lot of delusional people out there who are happy to spend your money, just be wary. |
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There are many organizations and people in Asia are boycotting Israel's product because they're stand with Palestine. But I see it's really wrong because they mixed up both Western brands and Israel brands as they boycotting brands like: McDonald, Fanta, Garnier, Nestea, Starbucks etc. I'm not sure what's their reason to do that, but I take McDonald as the example, they boycotting McDonald because McDonald's franchise in Israel is supporting Israel. They forget if it's a franchise, it's not the McDonald's headquarter is supporting Israel. The franchise in other country has no relation with Israel, yet people boycott them. This can give effect to their own economy because the franchise will not make money to pay the employees, resulting salary cut or get fired, unemployment rate will increase. AFAIK there's only one brand, that clearly supporting Israel, after all it's your choice to boycott them or not. It's really not make sense to boycott franchise's product, if you want to boycott Israel's product, here are their brands https://en.wikipedia.org/wiki/Category:Israeli_brandsIf you want to support Palestine, find the trusted charity in your respective country and make a donation on there. Think smarter, don't ruin the economy in your country because of sUppOrTInG PaLEStinE by doing that. As you've identified, boycotts almost never work and especially not against big multinational organizations like McDonald's or Unilever. They have vast ranges of products which have reached a point of consistent quality and manufacture at a large scale where they can keep prices reasonably low for consumers. The poorest can often suffer in these scenarios because they really on goods from such companies at affordable prices. Most people these days have a very short memory as well and wouldn't be able to remember all the products to boycott all of the time, besides actually liking many of these brands. |
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I have noticed some individuals claiming to be successful in gambling. but, my personal experience with online gambling platform over the past 8 months has been consistently unprofitable I haven't broken even or made any gains. I'm curious if anyone in our community has actually achieved profitability through gambling. If yes, we can calculate that how much percentage of us are profitable. I know most of the people pay to win and deposit to recover previous losses. write in this format: Context:
[color=green]YES[/color] [color=red]NO[/color] Yup, however I'm primarily playing on fiat currency these days and only participate because they give free bets every day. I checked recently and am up roughly $700 over the lifetime of the account, just by being rather consistent. I also did matched betting a few years ago, when I was new to all the sportbooks and took advantage of many welcome offers. That would have netted me roughly $300 as well at the time for very little work involved. It takes quite a lot of discipline though and I can see how people can get sucked into the wrong side of gambling, where you end up chasing losses in a vicious downward spiral. |
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