When we give importance and value to the money we earn we lavish it on every luxurious item that comes to mind. The first step to be fervent in setting a budget and sticking to it is by giving value to any amount of money we earn. For with value to our money all other steps to a healthy budgeting is seamless.

The solution to surviving this hostile economic time is having as many streams of income as you can handle and be efficient at it. A single income flow can be daunting and no matter how big the amount from a single source might seem like it is not a hedge to feel comfortable about. What if a an incident took place leading to the pause or totally stop of the source, what or where will you fall on for survival unlike when you're with a multiple income source?  Multiple streams is the only hedge to all the effect of the  economic recession we are currently facing.

Am also surprised by the statistics as you Op because I can't remember when last I heard any Nigerian talk about using this eNaria system throughout this year at least for someone that stays in the metropolitan area I have supposed to have heard one or two persons say they are using it but can't think of any.

People strongly subscribe to the use of PoS, online bank app transfer and ussd code for their transactions so to them they have no need for the eNaira which is why the government need to establish a broad publicity network across the country beyond how they are currently doing it because from my knowledge not even one-third of Nigerians know about the eNaira neither do they make use of it. Which is why am surprised by this tremendous upsurge figure rise given by this statistics.

If we talking about cashless economy we are already in it years ago and not that we're just entering.... The POS, mobile bank apps and more we use are all examples of a cashless economic system. The eNaira is just an upgraded part of the system.

Make usefulness of the surplus materials that have been provided through threads/posts and discussions in the different boards  by forum members in this bitcointalk community that you're privilege to be a member, there are certain social groups or forum's you will find yourself and you won't be able to catch up with wave of discussion's, a typical example is Reddit, a newbie to cryptocurrency in Reddit will feel totally lost despite having been their for months but here in Bitcointalk every discussion is simplified in well coordinated manner between members in each board.

Aside the forum the other platform I get crypto related updates is coingecko.com and bitcoinnews.com which are a place I'll recommend newbie's to constantly visit to read a few a current articles in addition to the materials found in the BTT forum. That's how you get knowledgeable to be able to also contribute meaningfully on the forum.

I don't think you would be having a problem with mods/admins deleting your thread provided the casino's you will be enlisting here in the forum are legit casino's with no legitimate reputation and scam accusation records and just like the first user said, if there are conditions in place that interested users have to follow to earn these bonuses please do well to make it known so people already have in mind what they are up for.

You can take a look into these links below for some clue:
https://bitcointalk.org/index.php?topic=39621.0
https://bitcointalk.org/index.php?topic=408265.0

Right now is not a great time to be selling your BTC, not primarily as a result of high gas fees charges but because we're now getting closer to the harvest as the halving approaches next year, so holding should be a priority for all bitcoin holders. Except in pressing situation where you have no option but to sell and use the money to solve your financial problem.

It is for this reason of unpredictable circumstances that can force us to sell that bitcoiners are encouraged to build and spread their tentacles into other sources of getting income flow and not just on bitcoin alone, doing this will make you hold to your expected plan.  I think the high fees rate of bitcoin transaction has been an encouragement to many holders to keep holding which support the saying that to every disadvantage there's an advantage in part.

No go help who you no supposed help oh, people dey wey you wey help them rise na that same people go be the tools wey go want bring you down tomorrow. Na make when it come for helping people you just gat know say no be everybody you go gat give help.

And one thing be say if you don't decide say you no want help person make you no go the still talk big big talk for the person front, no go the give am lamba and fake promises wey go the raise him hopes.

My two cents be say e good Wella to help people from grass to grace because the greatest development in life no be structural development but nah human capital development be the best investment for the future because we no know how tomorrow fit become for us and our children.

It is not to be used for fraudulent practices against the customer's but some casinos still go on scamming their customers despite having a valid license. Some of them do it in a cloak they may not exercise these scamming act outrightly like denying customer's of making withdrawal of their winnings, it could be done through probably unfair gaming system, technically taking advantage of their customers.

The issue with the government that have led to increasing number of scamming casinos including with those that have government valid license is that the government have felt so relaxed and reluctant to act with full force of the law against these erring casinos maybe due to the huge taxes they are receiving from the gambling industry. But it's left for the gambler to safeguard himself from being victimized by making used casinos that are well known for their long time reputation in the industry and not just only base on license validity.

For me calculating my losses and wins is what I dislike doing as a gambler I assume it will make me feel like am wasting money if my calculations shows that am losing more higher than am winning and on the other hand if the calculation turn out to be of high wins of profit over the losses it might persuade me to gamble the more whereby increasing the stakes from the usual.

I know I have had many winnings this year the beginning of the year was remarkable with lots of winnings though recently I haven't been that so lucky with my bets and it has made me slow down a bit with my gambling. I mostly bet on sports betting rarely with casinos so I haven't had a single win with any of those few casino games I have played before.

For this set I wouldn't categorize them as mentally unstable but people that are deficiency of reasoning and self determination, because like you said they take orders, follow orders accordingly as instructed and don't act except they are told to and for that other people see them as persons that can't decide for themselves therefore even when they try to take certain spontaneous decision for themself people will interpret it as unintentional because of their mental deficiency.

All am trying to cap in real sense is that mentally unstable people (demented person) don't take instructions neither do they adhere to it to go with. So those persons you @shishir99 is referring to as not mentally deranged or demented but are just deficiency of reasoning of their own. They are like dummy's.

I don't know what seem to be contradictory in my explanations to you.  I still hold my ground on this matter that the mentally unstable people can't work  except they are not really mentally unstable but are a depressive individual's or person's suffering from mental deficiency in such state of condition they can work to a limit but for mentally unbalanced persons am not sure. And if they are allowed to gamble if am to be fair they are humans too despite their condition so they have a right to take up human activities too but normal people won't feel comfortable around them because they wouldn't know what next action they can carry out as it rings in their head ignorant if the consequences of their actions.

 And for the record depression as you had defined as a mental disorder is actually not correct as you had defined it. According to the Wiktionar-Dictionary defined depression as  (psychology) In psychotherapy and psychiatry, a state of mind producing serious, long-term lowering of enjoyment of life or inability to visualize a happy future. There was no mention of a mental disorder.

We're all here to learn and it should also delight you to know that I have learnt new ideas from your Op post but that being said we still have to sharpen some edges and not agree to all things uniformly.

Almost every gamblers notably those that make use of online Casino's for their gambling have the notion that except from a license owned casino they don't use any  casino without a license, which I think is a cautious thing to do.

But have been wondering and wanting to ask, does a license guarantees that a casino won't scam it's customer's going forward.

There are a host of things in life that are easier said than done and this is one of it as Op has made it seem based on his perspective about gambling addiction. Everyone is talking about addiction whether hard drug or gambling addiction but not everyone has experience any of these addictions, therefore the manner and tone at which someone who have never been an addict will talk about it will be so different from how a former addiction or someone who had had an addict under his care would also talk about addiction.

Op is talking based on a surface level of thought and which at a surface it is a decision that had to be made at once and stick to it stopping it immediately but deep on the inside the battle it surpasses that school of thought from the Op perspective. Have op wondered why some gambling addicts will say today that aren't gambling anymore and after a week or two you see them back again. The addict's alone can't do it successfully they need relatives and friends support in encouraging them that it can be eliminated gradually.

The certification of a person to be said to be mentally unstable is not something that demands professionalism to know, for just by the abnormal behaviours and actions expressed by the individual it will be written all over him/her. What we can argument on about that needs a professional hand is only in the aspect of getting a cure it solution to the mental ailment.

Alright, they may not all be that violent but still normal people won't feel comfortable occupying same space with them knowing that this person has a mental health problem.  And one more thing @fiatless, a depressed person isn't same as a mentally unstable person, the two conditions are entirely a different health issues, so a depressed person can still work and not be violent but I don't think this can be true with a mentally unstable person. He's mental so what sense has he to work ?

There are challenges and obstacles within the business environment that could deter a person from continuing to run a company which you have mentioned few key factors to that effect and for many when they analyze and compare the weight to bear in becoming a successful business owner to that of just gaining the needed set skills and education to be gainfully employed a whole lot of people decides to be employed and be contented with any level of success they can attain under such status.

Moreso like you had mentioned "another person reaping you off" before you could even stand sturdy, as in, the competition alone has made a good number of person's with business ownership mindset to drop the dream because they couldn't match in the competition and the politics against those that have already gained a higher ground in that line of business over you.

I am that person with the habit of not intruding into people's affairs especially their private life as I strongly believe it doesn't concern except when they make the call there then I am keen to interfere. Perhaps, I cultivated this lifestyle due to bad experience's I went through trying to bother myself into people's business I wasn't called to, only because I felt I was trying to be a good fellow.

So in life minding one's business will holistically save you from unnecessary insults, and your mental health will have you to be thankful for. Best to utilize that energy you will wanna use uninvited into others business for yourself and see how tremendous you'll develop all round beyond what it is for you now. So Op, I agree with you we have to learn to be fully focused on our business maybe until when out input is sort for.

Not so many countries care about the negative effect that gambling is emitting in the lives of their country's citizens, what they most care about is to create a peaceful environment for the smooth running of those casinos operating on their soil in return for the high taxes (money) that are paid into their purse. If you are referring to nongovernmental organizations and civil liberty organizations rendering support in encouraging responsible gambling I can agree to an extent but for the government I don't think they fucking care anyway. The only restrictions I see from the government is 18+.

Op don't forget that those self-exclusion programmes aren't for free, in some cases you have to be granted a subsidy where you incur part fees to benefit from those programmes. So it's like a win-win from the government achieving from the gambling companies and also from those who fall into gambling addiction seeking for specialist/rehab support. Lol.

Newcastle actually started the season in a formidable form that saw them sitting in the top four of the EPL table but it's quite unfortunate to see that their form couldn't stand the test of time as they have been dropping form recently with each game played. It could be as a result of the injuries some of their key players are battling with and we hope they recover soon and get back to form with the team.

Another thing apart from a needed signing in bolstering the team's performance next year is that the Newcastle coach has to also go back to the drawing board and redraft his tactics as it is no more working for the team anymore maybe because other clubs has discovered its weakness. I won't fail to loud a big congratulations to Nottingham forest for their victory today at least it's a gradual walk away from the relegation zone which is the area almost every club is avoid by all means... What a boxing day hattrick from the Wood.

The merit system as I know was introduced in 2018 of which I got into the forum in 2022 which clearly indicates that I didn't experience how the forum was regarding to discussions/threads quality as at that time before the merit system but by the role and purpose of the merit system as established common sense alone will tell you that the introduction of the merit system  was to solve a recurring problem called spamming and low quality posting and it has made things much better in the forum than when it wasn't in place.

Simply put, If before when there was no meriting system was so great than now then there wouldn't be a need for enacting merit system. With the merit system spamming has been been reduced to it barest minimum as merit stands as a reward for quality delivery in posts/comments.

Anyone with a gambling tendency who's also investing in shitcoins is practically double his risks because shitcoins are no different with gambling... And I'll prefer sticking to actually gambling only after investing in bitcoin which is the real deal, instead of adding shitcoins in spite of the % used addition to the gambling risks increasing your potential losses.

Newbies should know that there is definitely no competition with the owning of bitcoin as it can only lead to an unhealthy competition with investor's investing beyond what they can afford to lose because they are racing to meet up with someone else they are competing against whereas their income flow is nothing compared to who they might be racing with. AFAIK, the only competition that exists with bitcoin investors is the competition against any potential challenges that may arise along the way to hamper the investor's initial long term investment plan forcing to sell at a loss. That where your competition lies and one potent way to win is having multiple income source stead of a single.

Every generation has their own advantages and disadvantages the times determined the life style of the people of that time but as development advance a lot things has to fall behind. if we are to make a non bias comparative analysis of the gen z and x we will find out that each of the key differences of the generation has its peculiarity and uniqueness, and an advantage conditions in gen x may not apply or fit into the gen z visa-viz.

Older people will tell you that life in their younger times was simpler, much natural with much of the diseases of today alien to them, with less economic hardship and peaceful co-existence. while young people of today will argue that technology today has made life less hard to deal with unlike times back with crude tools, communications now made easy etc etc. What i can say at this juncture is that the conditions of things are just a reflection of the time we just have to adapt.

Merry Christmas to all christain faithfuls, let not forget the reason for the season, make sure to celebrate and show love to all men (especially the less privilege around us) this season and after.

Wishing myself and everyone of you a Merry Christmas and a blissful new year in advance!