I don't have a credit card as I think that when you take loans just for your needs and wishes, it is a path to poverty. If you want to become financial free, you should pay off all your bills and create passive income sufficient for paying your month expenses. On the other hand, I am not against loans that are used for business or studying and you have take it on favorable terms.

I know that many big projects are waiting for "crypto winter" to launch, so I think that there will be some good projects on presale during crypto market crash. Early investors, who haven't escaped from this market, would definitely benefit a lot then. Nevertheless, there will not be such a big number of scams and new iDOs in general as there will not be so many people who are ready to invest.

I would recommend you to invest in Polkadot. First of all I need no notice its innovative technologies. It uses several payment channels instead of one. It provides this chain with an ability to run several transactions at the same time. Polkadot is a blockchain that gives place to other Blockchains to launch on it, while usually blockchains support only Defi-projects. There will be a lot of hype around it in the nearest future because of parachains' auctions what also must increase its price.

I am against of all digital state currencies. They will still be under control of the government. The main idea of cryptocurrencies is decentralisation and uncontrollability from authorities, but digital euros, rubles, yuan will be under control, so what will be the difference between CBDC and just non-cash money?Only the platform of usage. CBDC will be on blockchain instead of bank account.

I was brought up in a very religious family. I was always taught that money is an evil so we mustn't try to earn more. Personally I don't support this point of view as money is a tool to get something that you need and want. As I live in this world, I have a choice either to be poor and unhappy, or to be rich and be more happy. I choose financial freedom as it opens me and my family a lot of opportunities.

Such high gas fees are certainly unreasonable. That's why I have switched to cheaper chains such as tron, BSC and Polygon. They have developed ecosystems like ethereum, but at the same time fees are less than 1-2$ for a transaction.
Unfortunately, it is impossible to have your money back when the transaction have already been confirmed. So it is very important to check all data (receiving address, gas) before signing.

In terms of CheckDot, I think that this project is worth investing. It has a big marketing campaign as almost in all threads here, this project is being discussed. It will give real utility to the crypto market and crypto community as it will pick up information about different projects. This way it will be easier for us to find information and maybe there will be less people who lose money on scams or just bad projects.

I see that twitter is interested a lot in crypto. Twitter has already introduced a bitcoin tip service that allows users to send other users tips on their content using BTC. In addition to that, Twitter is creating its own cryptocurrency team, aiming to become part of a decentralized Internet. In the short term, the company is actively exploring ways to create content for cryptocurrencies and "decentralize social networks". The company is making quick and confident steps in the direction of blockchain, apparently they want to be in the top before it becomes mainstream among social networks.

You make a terrible mistake. If you lose your cold wallet, you will not lose your assets because as long as you remember your seed phrase, you can recover your coins in a new cold-wallet. In terms of exchange wallets, it is too dangerous.  Even reliable exchanges can have some vulnerabilities and problems. For example, Binance has blocked the accounts of some users after a technical error caused by the Dogecoin update.

When you are going to swap and choose coins that you need. If you scroll the page you will see all details of this swap. There is a row "route" where this chain is shown. For example, you want to exchange NU to DAI. There will be a chain of NU>ETH>DAI. To get the most advantageous price for swapping you can use DEX aggregators (1inch), that will show you how to swap for the best price.

If we are talking about long-term prospects, I think that we consider only two options: Dogecoin and shiba inu. The rest of meme coins are either scams or are unlikely to get the same popularity. Personally I think that dogecoin has more chances as it is being promoted by Elom Musk. Dogecoin developers have released the update recently that will improve security and reduce commission. Dodge's main fan, Elon Musk, noted on Twitter the importance of this update.

Everything is gained with experience. When you have seen a lot of projects you will feel if this project is fair and have good prospects or it is a scam. The most reliable thing is certainly a smart contract as developers can say what they want on their web-site. Nevertheless, if you open a smart-contract, you will find out everything so the best way to avoid scams it is to learn how to read smart-contracts.

I am so sorry about this. I think you know that if you send tokens to platforms or blockchains that are not supported them or confuse standard, your tokens will be lost on the address where you send them. Actually, Gat.io is a centralised exchange, so you can try to connect with support, but I am afraid that you have to forget about them.

To build your capital, you have to spend time first. So you should investigate projects and participate in pre-sales, bounties, airdrops, because when we talk about investment, it is better to invest a big capital if you want to have tangible profit. The best token now is certainly Polkadot as because of start of Parachains it will be a trend until February 2022.

Arbitrage trading is a good strategy as it is a common situation that prices differ in different exchanges. Nevertheless, there are market-makers and different robots who exercise this and I don't think that you can overtake them and  make deals faster. What is more, one transaction can take a lot of time and money so you had better consider all risks and try to do it several times and then you will see.

If your capital allows you, it is a good strategy to divide it into parts and sell some Bitcoin. This way you will lock-in some profit especially if you have 2x and more. But you shouldn't sell off all Bitcoin. Then, when there is a bear market you can buy some bitcoin again and continue holding. But on the other hand, if you haven't got a big profit yet, you had better wait more as in the long term Bitcoin will be much more expensive.

I see your point of view, there are so many scams on binance smart chain that you lost any hope to find something worthy. Actually, it is probably true that it is difficult to find something good on this chain. It is cheap so developers can easily launch their tokens there, what is more, it is popular and there are many users. I used to see many projects-clones of Puncakeswap that appeared every day and then they closed in one week.

This market lives cycle by cycle. After bull run there is must be a bear market. Taking into consideration an upcoming crises in the world and default  of Evergrande, I think that there will be also big drawdowns on the crypto market. What is more, there is the term "crypto winter" when everything calm down and volumes are very low so the whole crypto market is in hibernation.

I see that there are more and more people and companies that see obvious advantages of Bitcoin and crypto in general and start adopting it. It is a way to save and multiply your money. It is a way to establish business processes in companies. Those who ignore crypto and consider it to be a scam lag behind the time.

It is better not to trust the keys to someone. The best thing is if you know your keys by heart, but actually, it is not very secure as you might forget and if you are the only person who knows the keys and something happens to you, all your coins will be lost. Personally I put down all my keys just on paper. I don't store the full seed phrase, there are some mistakes, so it is really difficult to hack my wallet even if you get this sheet of paper.