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61  Economy / Economics / Re: Saving one third what you earn monthly is not that hard, isn't it ? on: May 08, 2023, 09:09:46 AM
Of course it's nice if we have passive income from saving, there are many saving options that we can choose to get passive income, of course it takes a lot of capital to reach this passive income position, but if we start from small things and we do it regularly for a long time then we will be successful.

Saving is a very important thing in life and it doesn't only apply to those who have passive income. Because those who don't have passive income also have to save even though it's still very difficult for them when they want to do it, especially for those who already have passive income.

It's definitely easier to save the amount of money they want each week or month, and I personally also make savings for the time being in case of a hard time or a sudden large need. That is, I don't dedicate it to being successful even though I also don't stop fighting to be successful in my life.
Sometimes many people think that saving is not important but to be honest it really helps,
saving is not for now but for the future besides that we also never know what will happen later,
regardless of whether saving or not is a choice.
Rather than saving putting that money into good use is much more important, for example investing it into something that has store value. Here in our country, working on jobs with not that high enough salaries can not even help you ot sustain your daily expenses that is why most of my fellow citizens here find side hustles online or even on their community in order for them to have what we called savings and investment.
62  Economy / Economics / Re: Save your environmental economic cycle on: May 06, 2023, 05:51:51 PM
If you are a person who has money to shop for daily needs, I suggest you buy from merchants around you instead of shopping online whose stores are far from your place. This must be done to turn the wheels of the economy in your neighbourhood and save them from bankruptcy, at least you give them space to live.
I try to buy things that are available in the nearest stores in my area, if they are of the right quality. Even if it's a little more expensive, it's still more comfortable for me because I can try them on and see the quality. I almost always buy food near my house, I understand that it is important for them and it is also convenient for me, because I can always buy fresh products from a seller I know and I am sure that he will sell me only fresh products, and will tell if something is not worth buying today.

If I need something that these stores do not have, then of course I will buy it on the Internet. Before I read your post, I didn’t think about what and where to buy, it happened as if by itself, because it’s convenient.
You humbly think that's what it is but for those who are earninf profits or merchants but, did they think the same about it? Nowadays everything can be bought using online methods since it is all the option we could have for those countries who lacked those wants and needs, and although some of you who will criticize those decision due to various reasons, but it is up to the person to decide what he prioritize.
63  Economy / Economics / Re: does bitcoin help in your economy? on: May 06, 2023, 11:59:14 AM
The question is whether when you benefit from bitcoin, you can help your economy and your family?
It's a rhetorical question, similar like asking "if you make money, do you become poor?", "if you learn Bitcoin, do you understand about it?", "if you create a new account in this forum, do you have an account?" doesn't make sense at all, if you get profit it's obviously it will help your economy.

To be honest any people who invest in Bitcoin aren't losing, most people are lost because they're trader and don't want to hold it at least for four years long.

I understand what you're saying now. Yes, it's true that investing in Bitcoin has helped many people improve their economic situation. However, it's also important to note that investing always carries risk, and not everyone who invests in Bitcoin will necessarily see a profit. It's important for investors to do their own research and understand the risks involved before making any investment decisions. Additionally, trading can be a very risky activity and requires a certain level of skill and knowledge to be successful, which not everyone may possess.
Also to add to that statement, the effectiveness of the trading strategy varies depending on the person. Which means, what's effective for me doesn't mean it's effective for you too. The risk is there even if you turn a blind eye on that, but you also need to know what methods are effective for you to generate income. A lot of people keep saying that you should get another source of passive income but the problem is, can anybody apply those suggestions? I think no, it also depends on each person's opportunity and his location. Not because you are given the same opportunity to earn from that, doesn't mean they can also earn from that. Always keep in mind there's always a loser in terms of trading. One side wins, while the other lost.

We could say base on the percentages that there are quite a few people who changed their life due to crypto, but we must also consider that there some who are facing silent battles due to losing in crypto.
64  Local / Pilipinas / Re: [Question] Bitcoin to Fiat alternative on: May 06, 2023, 09:55:15 AM
Para sa katanungan mo po may alam akong kaunting custodial wallets na nag susupport ng fiat locally

Abra - I don't know if reliable pa ba yan ngayon kasi dati ginagamit ko yan

Coins.ph - marami nga lang issues regarding KYC pero hanggang ngayon maayos naman gamitin

Gcash - Bago pa lang ito at supported ang Bech32 kaya okay rin pang convert ng fiat.

Sana makatulong itong suggestion ko, pero if possible po try nyo gumamit ng alt coins na may cheaper fees like XRP bago nyo itransfer if ayaw nyo sa malaking fee ng BTC since napansin ko rin nung nakaraan na mataas ang fee at halos kada araw congested ang network ng bitcoin.
65  Economy / Gambling / Re: Land base slot vs Online slot RTP on: May 06, 2023, 04:23:46 AM
Gamblers have different course to play with either a landbase casino with some physical location or to focus there gambling online. I think the chief of them all is how to prove that, they ate being served a provable fair game. No one wants to gamble at a table or screen where the odds are 51% against you. Nope, you want things 50:50 and that's how it's should be.
This becomes the issue for most between Landbase and Online casinos and matter the theories put in place to give gamblers comfort and earn trust, there obviously would be some doubt on what is being sold to them.

Be it as it may,
Am more comfortable with online gambling as it really do give me comfort, you can switch games with ease, fund and make withdrawals with ease and you do that without having to care about nothing else in your immediate environment.

people have their own preferences. whatever it is, just take advantage of what they offer to you. some are still into land-based casinos playing slots as the experience is quite different over online casinos. however, if you want to play at the comfort of your home without no one bothering you, you can very well play on your laptop or desktop. at the end, it is all a matter of preference here.
but do remember, some of these traditional gamblers still stick to physical casinos as they are used to it. so these land-based casinos will still have their loyal patrons. most younger gen may prefer the online casinos for so many reasons.
I understand that people have different preferences in terms of gambling, while others prefer physical or IRL slots, there are some like me who doesn't have access on physical slots near me. I remembered back then there was one that was acknowledge by our local government, but at that time I was still underage and my parents wouldn't let me play due to the fact that it was still gambling and they're afraid that I'll be addicted and would skip my studies due to that. When I reached the certain age where I'm already considered legal, it was no longer there and was removed by the authorities, so it's safe to say that I haven't touched slots in my whole life although I had fun watching those people who played those machines way back years ago. Right now though, it's a different story since there have been lots of slots online popping out everywhere and I got the chance to play from time to time.
66  Economy / Games and rounds / Re: [RAFFLE] Utopia - P2P Ecosystem | Free Bitcoin Raffle Weekly 💎 Round 11 on: May 06, 2023, 03:00:50 AM
Bitcointalk Username: karmamiu
Utopia Public Key: 18A557F40CE0C9050BB20CCB32637893382F85C6881DB3B8A6547DCD13392110
BTC Address: bc1qexulsxaeumzzt4ncaynltagrduuay3tf9vm4uv
Message Deep Link (Chat link): https://utopia.im/d53b4431fd604e2f0261792444797aa4?tid=1327544674331431557
Slot No: 01
67  Economy / Services / Re: [OPEN] 🔥🔥🔥 COINSLOTTY SIGNATURE CAMPAIGN – 100$ p/w, funds escrowed 🔥🔥🔥 on: May 06, 2023, 02:40:52 AM
Current amount of posts: 773 including this one
EARNED merit in the last 120 days: 86
BTC Address for payouts: bc1qexulsxaeumzzt4ncaynltagrduuay3tf9vm4uv
Native German speaker: No

Just trying my luck here  Wink
68  Bitcoin / Bitcoin Discussion / Re: Bitcoin doesn't give you instant 100 percent profits on: May 06, 2023, 02:22:58 AM
I just draw out this post due to some post I have been reading across here and it annoys me seeing people or newbies always asking after a platform to give them $100 daily, $50 daily and so on without them even coming to think about how it works or not.

Basically the goal of one of Bitcoin's missions is not to make people rich either fast or in a slightly slow motion in the sense of investing continuously in the long term. maybe for those who said the OP is related because they might be people who have not been involved in the crypto world of course they assume like that, they expect $ 50-$ 100 in a day and target $ 3000 in a month it is natural when they think with a mindset that doesn't know about cryptocurrencies fully.

And we assume that bitcoin will indeed be able to change the lifestyle and point of view of everyone and also about their knowledge of technology and digital investment that is good and right with clear enough references, Bitcoin can provide wealth for those who manage it with optimal management and as much as possible.
Way back before 2017-2018, this was the method being used by those hypers to attract new users to bitcoin. Later did they know that they will lose more money instantly than gaining if they are not careful. People are attracted by the fact that they can earn instantly while sitting only at home scribbling on their phones or gadgets, but at the same time they also hate the idea of gambling since most countries deemed it illegal. The reality is that, investing into bitcoin and other forms of cryptocurrency is closer to gambling than any other. Yes, other investments can also have risks and could also be considered a gamble, but the people who are victims of this hype neglect that there is so much volatility on this asset compared to other store value assets.
69  Local / Pamilihan / Re: [NEWS] GCrypto is now available to selected users on: May 06, 2023, 12:52:39 AM
~snip
Masyado kasing kumpyansa ang coins.ph dahil na nga sila yung pinakasikat dati na service provider ng crypto wallets sa pinas. Inaakala nilang wala silang magiging kumpetensya in the future at sa tingin ko isa na ring dahilan ang pagpressure ng gobyerno sa kanila dahil na nga baka gamiting pang launder yung platform nila.

Nasubukan ko nga palang gamitin yung Gcrypto nung nakaraan at nakita ko na Bech32 na pala ang kanilang sinusuportahang wallet, unlike sa coins na wala man lang silang other option at yun lang older version pa ng bitcoin address ang pwede mo lang gamitin.
70  Bitcoin / Bitcoin Discussion / Re: Bitcoin mixing is NOT money laundering, per se on: May 05, 2023, 12:24:34 PM
Indeed, Bitcoin mixing and money laundering are two different things. But the problem here is that the line that separates both is very thin. Plus the fact that the goal of these two are somewhat the same which is hiding traces or origins of the funds through a variety of ways. Thus, giving the government and authorities the sweet excuse to pin down such services as much as they can. It doesn't even matter whether the reason is just or only for the sake of personal gain of certain individuals. As long as there is a chance for it to be used by criminals, the authorities and government will always take advantage of their justification of protecting the people to give Bitcoin mixing service providers a hard time in every way possible. The only thing we ordinary people can do is to support these type of services in our own ways and look for workarounds that would help us keep as much as we can of whatever control and privacy there is that we still have left.

Centralized mixing services don't stance a chance against the government. But with non-custodial (decentralized) mixers, that's another story. These will be the ones that will ultimately survive as governments will be unable to take them down for good. But be aware that you can still get targeted by the government if it discovers you are using a decentralized mixer.

After all, governments don't want you to gain true privacy and finacial freedom. Therefore, we should expect tougher days ahead for crypto mixers and privacy coins alike. As long as decentralization wins, there should be nothing to worry about. Just my thoughts Grin
Is what I wanted to say just like how @Similificator described, the difference between those two are so thin that it is enough to be mistaken as what we commonly call illegal by government standards. We arr all aware that mixing wasn't made by the purpose of doing something illegal, but it has to be expected that it can be exploited due to its nature or the process as how it works. We are also aware that those who had bad records before mixing are the ones causing massive problems while dragging those innocent users on their way.

I still believe that it all depends on how the user wanted to use the platform not that a platform was initially like that, and to be more precise their major customers like what happened at CM are the ones doing those laundering activities, and even if they will revise their own rules, they will probably lose credibility since what they had promised is different than what they can afford to deliver.
71  Bitcoin / Bitcoin Discussion / Re: Why is the transaction fee and mempool congestion increasing ? on: May 05, 2023, 06:46:58 AM
I have one of my tx stuck from a few days. I paid 5.98sat/vB in fee thinking the fee rate would come down soon, my bad.
Tx: https://mempool.space/tx/428784a3370461b0504a2cae425c297cd5194fcf96501f2375b1b1cd9d810334

So most likely I will have to wait 14days for this to get dropped and get back to my wallet.
As there is only a single output, and the transaction is not opted in to RBF, then the only realistic possibility to speed this transaction up would be for whoever owns the receiving address to utilize a CPFP transaction. I am assuming that the receiving address does not belong to you, so this is not an option unless you can convince the receiving party to do so.

Why did you not opt in to RBF? Silly not to, especially when the mempool is as it is. RBF would allow you to bump the fee at any time. As it stands, your options are to either wait for the mempool to empty down to 6 sats/vbyte, or if that hasn't happened within 14 days, then you correct in saying your transaction will drop.

I thought it was due to some congestion, but it was this case. Now that I think about it, the other week during lenten  season it also happened where my transaction was stuck for 3 whole days, while yesterday I had noticed that the fees are high, I thought I just needed to ignore it since it isn't very relevant and I am also in a hurry doing somrthing and forgot later that day.

Bumping your transaction was also recommended to me the other week if ever I still couldn't find my appropriate block and get stucked. I guess I should be trying that tomorrow if ever I get stucked again.
72  Economy / Gambling discussion / Re: The madness of gambling addicts. on: May 05, 2023, 04:21:51 AM
They will look for money from anywhere to use it to gamble. Gambling addiction can lead to crime because of the urge to have money that will later be used for gambling. If the person doesn't get help soon, he will get worse and may borrow money from other people to gamble. If that happened, he could get into even bigger trouble especially if he couldn't repay the loan. If we see a member of our family experiencing gambling addiction and we know, we must immediately help him so that it doesn't get worse. So he can immediately cure his gambling addiction.

But how do we help them? I mean, when we see a relative or friend that's a gambling addict, how do we help this person?
Just saying "help them" is not helping without actually knowing what to do. Because if I'm being honest, if I see a gambling addict, I won't know how to help him. It's not like I can just tell them to stop and they will stop. Addiction is way deeper than that. It's hard to get rid of an addiction.

Gambling addiction if not managed always ends up putting the addict in debt no matter how rich they may be because if it gets too deep it will get to a level that where you will have to borrow to gamble and slowly it begins to get worst.
Other than giving them your full support once they acknowledge they are addicted to gambling and they decide to do something about it there is not much you can do, because even if for every single person around them is incredibly obvious that they have some gambling issues, if they do not take the decision to change by themselves you will never be able to help them, and this is what can be so exasperating for the family members and friends of an addicted person, as they are completely powerless to help their loved ones and they have to watch them wasting their lives for years until they finally decide to change.
I wholeheartedly agree with your opinion there my friend. Nobody can help them but they themselves, if someone is on the verge of collapsing due to addiction, he or she should realized that he has already stepped into something with no return. I also think the the stages of grief could be apply on this situation since one should be able to accept that he is addicted before voluntarily asking/seeking for help to his closest one or someone he could trust. I have seen so many people forcing their loved ones inside the rehabilitation and in the end there is not that much improvement since they couldn't accept that they are addicted while adding the fact that they felt betrayed by how their families forced them inside to change as if they are being abandoned. From what I have observed just like alcohol, out 10 who were being rehabilitated, there are only 3 in most cases who changed while the rest came back to their old habits or stayed inside the center. Although it is not that accurate prediction I know for sure that it is not the main solution for addiction.
73  Economy / Gambling discussion / Re: Can Chat GTP destroy poker on-line gambling??? on: May 04, 2023, 11:49:22 AM
  -   I have no idea to be honest, although often when I see AIs on various social media platforms that they include in the ads that appear,
I don't have any interest in it.

Also I doubt it will break the poker play game here in the crypto space. It seems impossible to happen in my opinion. But I'm not underestimating the AI, it just gets really noisy at times like this.
There is also no credible source yet that it can actually destroy the gaming platforms, and as what I can see based on the results so far, it is also understandable that gamblers and regular users are full of axiety to this information spreading alone about AI dominating the economy, but as what I have understood so far, AI can be trained or depending on how it is designed will show the effects or benefits from the program. As of now, it is not yet clear whether we can trust that hypothesis since that answer came from AI too as what I had investigated in the past and due to it's inconsistent nature, I cannot also guarantee whether its effects can greatly impact all fields on our economy not only in gambling.
74  Economy / Services / Re: [CFNP] SINBAD.IO [Mix Your BTC Quickly] Signature Campaign | Up-to $150/w on: May 04, 2023, 11:21:13 AM
~snip
Payment received thanks for the hardwork as always. Cheers to all of us.

This is really a fun way to incorporate competitiveness at the same time motivating the participants to keep trying harder. You really are the man Royse. Have a great day ahead.
75  Bitcoin / Bitcoin Discussion / Re: I won £50 - should I use it to buy Bitcoin? on: May 03, 2023, 08:51:37 PM
If you are not guilty uaing that money then you should buy it, that is your decision to make. Alrhough I also believe that good things are coming this year in terms of market prices, let us also not forget that everything can happen and changes are bound to happen no matter what we say. So it is best that we are still careful.

I had also once won an amount and I trier buying crypto with that amount and kept it separately just in case.
76  Economy / Economics / Re: using credit card on: May 03, 2023, 07:41:48 PM
A person won't have any trouble paying off his balance at the start of the month as long as he can use his credit card responsibly. However, most people who use credit cards assume that they can easily pay off the balance, which leads them to make unnecessary purchases. In that situation, he didn't consider how much he would eventually have to pay. If he didn't notice it, it would be an issue since he would end up accruing debts that he wouldn't be able to pay back.

When we feel that we still have a balance to use, we usually forget ourselves and we are lulled by that comfort, in the end usually someone who has a credit card will be in a bind because they can no longer afford to pay bills every month. I think this is a kind of trap, indeed we will definitely find it easier when we have a credit card, the problem is from the convenience that problems will come. Especially if we can't control the money we use to buy something, it will get us in trouble later. I personally prefer not to have a credit card, because it's risky in my opinion.
If I have another option to pay for the bills without resorting to credit card then I will choose that rather than the card. As what mostly credit companies used scoring to determine whether you are a good creditor or not, it is also another form of disguused benefit so that users will have to use credit card more often to make their scores good, and that is one of the traps being set in order for them to gain more users.
77  Economy / Economics / Re: Are you ready to spend crypto when market is down on: May 03, 2023, 06:25:32 PM
Money in general is useless if one cannot use it. I don't think it is still appropriate to save money if you are not willing to use it. For what purpose are working our ass off everyday if we cannot enjoy the fruits of our labor? Not only even in times when the market is down but for all the time. I have learned few years ago that it is useless enough saving money if your health is already at risk, and that is how I changed my perspective towards finances.
78  Bitcoin / Bitcoin Discussion / Re: How can we help to Bitcoin education? on: May 03, 2023, 05:27:22 PM
Whether we help spread awareness or not, bitcoin will still shine through even if we don't touch them, it's just only that people are still not ready on how the technology works and omly certain countries are willing to accept the risks included on it. Just like how AI was only a pigment of our imagination decades ago, and now look at where we are today.
79  Local / Pilipinas / Re: Paano Ka Ba Manghikayat o Mag educate Sa Mga Kababayan Natin on: May 03, 2023, 02:58:13 PM
Usually kasi sa mga naririnig ko lalo na yung mga nagrerecommend mag invest into altcoins sinasabi nilang "the more na marami ang coins na nabili mo, mas mabilis kang magkakapera nyan lalo na kung aabot ng piso kada isang coin", which is may punto nga naman at marami talaga ang hindi magdadalawang isip na bumili ng sandamakmak na coin.

In regards naman sa investing ay hindi ako yung tipi na manghihikayat ng iba para lamang makapag invest kasi kadalasan mga lumalapit sakin nagtatanong kung paano ba ito, ganyan, ganun, sinasabihan ko na once na mag iinvest kayo iexpect nyo nalang na patapon na pera nyo dahil para lang kayong nagsusugal, wag nyong i expect na mananalo kayo. Pinakamainam na paraan ay wag nyong gamiting pang invest ang perang sahod nyo mula sa stable source of income nyo, mas maiging humanap ng side hustles at yun yung gamitin nyong pang invest.
80  Local / Pilipinas / Re: Epekto ng Crypto at Bitcoin sa Ekonomiya ng bansa on: May 03, 2023, 10:33:01 AM
I don't take signature campaign as a job since short term lang naman kadalasan ang nag e-exist dito so to bad for us if we really on this at tsaka di din naman kalakihan ang pay rate so maganda lang talaga sya as side income. Siguro kung makakakuha tayo ng mas malaki pang project gaya ng makakapag trabaho tayo sa isang bigating platform at babayaran tayo ng desenteng halaga siguro dun palang talaga tayo makakatulong sa ekonomiya ng bansa since required na siguro tayo nyan magbayad ng tax.

Yung pag exchange ng usd to php ay maliit lang impact nun at yung other job type na nagbabayad talaga ng malaking halaga ang may malaking impact.

I agree with you. As someone who has participated sa mga campaign signatures since 2017, maganda ito for side-income pero if you are going to make this as your main source, then ang daming potential problems ang maari mong ma-experience.

As a rule of thumb, wag dapat tayo mag rerely on something that is not consistent especially if dito nakadepend ang ating livelihood. Kaya treat signature campaigns as extra income either for short or long term investment, if needed.

Pero napaka laking blessing ang mag participate dito. Imagine, one can potentially earn an rxtra $280-$300/month dito at the convenience of your home.

Ang mahirap pa dun kung dun ka lang aasa ay magugutom ka talaga lalo na pag nag end na ang iyong campaign at mahirapan kang makapasok since napaka higpit ng kompetesyon since marami rin ang walang campaign ngayon. Kaya mainam talaga magkaroon ng another side hustle para kung mawala man yan ay may pag kukunan ka pang iba at di ka mahihirapan habang naghihintay makasali ulit sa isa pang campaign.

Magandang opportunity talaga ito kaya dapat pangalagaan natin ito at palaging e satisfy ang manager sa pamamagitan ng pagsunod sa kanilang rules para di tayo matanggal sa campaign nila.
May iba din kasi na iniiwan nila ang kanilang mga trabaho o yung main source of income nila para mag focus dito sa forum which is choice din naman nila yan. Ako kasi hindi ko basta-basta tinuturing na stable source of income itong forum dahil alam naman natin na inconsistent ito at malaki ang chance na kapag nag rely ka dito baka hindi ito maka suporta sa pang araw-araw mong kailangan.
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