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81  Economy / Economics / Re: Church Business on: April 02, 2024, 07:13:01 AM
Church is a religious place for the followers of the biblical Jesus Christ to worship and praise him
Of recent church is one of one the fastest growing business in this part of the world. Church business is so lucrative that every body wants to go into it and are opening churches
Infact the rate at which GOD is calling people into the ministry is what gave me concerned as I have been waiting for the same call but is not forth coming, before the advent of this present evegelical move people who where associated with the church where termed church rats but today that statement has changed as it is now the church rats that are giving food to the outside rats
Infact pastor's have become so rich that they now own private jets and millionaire, the way our economy is going opening a ministry is now a sure away of moving away from economic hardship
Guys let discuss what do you think about this, are these pastor's really being called or they are just looking for a way out of economic hardship

Unfortunately, some individuals exploit religion for financial gain. They may sell products or services using religious justifications to manipulate those who place trust in religious leaders. It's important to remember that these are isolated cases and don't reflect the true values of most religions, which often teach principles of compassion and selflessness.

This misuse of religion occurs across various faiths.  In today's world, we have access to vast amounts of information. It's wise to be discerning and verify information before blindly accepting anything, even if it comes from a religious leader
82  Economy / Economics / Re: Lock your bank balance on: April 01, 2024, 06:33:05 AM
In my country, until the mid-2000s, the Postal institution enabled its savers to partially or completely freeze their balances for a specific period of time, provided that the freeze on the amount would not be lifted regardless of whatever reasons, even in if the person’s death. This product was not available in banks as I recall, but since the 2000s this product has been completely abandoned. When I think about the concept, I find it very useful and it can serve the financial institution and the saver as well, especially those who want to secure their savings so that they never think about using it. I think that there are many reasons that might encourage a person to do this according to his assessment of his needs in the medium and long term. The financial institution will also benefit from the liquidity that it will accumulate from the frozen balances, in addition to the possibility to impose fees for the service.

I know that it is possible to secure a deposit in the bank with any type of asset, but with the possibility of permanent disposal of it, meaning that its owner cannot ask the bank to lock it.
What I would like to ask is whether this product exists in the banking system of your country and why, in your opinion, are there central banks that do not allow it? Also, is this possible on online virtual banks?

My personal expectation is that this will be possible with some small local banks or state postal institutions. I also expect that this is not allowed in other laws because I have not heard of it much.

In my country, we have Fixed Deposit Accounts (Deposito) that offer higher interest rates but lock funds for set periods (usually 1-12 months) with penalties for early withdrawals. For less restrictive options, online banks like Jago offer "tabungan terkunci" (locked savings) with more flexibility, such as lock periods as short as 14 days.

I believe the concept of completely freezing funds long-term is not widely used for several reasons. Firstly, it reduces banks' ability to lend to businesses and individuals, potentially hindering economic growth. Secondly, frozen deposits could worsen a crisis during economic uncertainty if banks struggle to meet customers' withdrawal needs during a potential run
83  Alternate cryptocurrencies / Altcoin Discussion / Re: Stablecoins or Fiat? on: March 29, 2024, 06:49:14 AM
When planning to protect yourself against volatile crypto market prices, which type of currency do you prefer? A stablecoin, or a traditional Fiat currency (USD, EUR, JPY, etc)? Why did you make that choice? Would you prefer holding either currency long-term? Or crypto is better for that?

Your input would be greatly appreciated. Thank you. Smiley

I'll use a combination of both. Stablecoins offer convenience for quickly re-entering the crypto space for trading or investing. I'll keep some fiat currency as an emergency fund since crypto prices can be volatile. If I need money urgently, I don't want to be forced to sell crypto at a low point. For long-term investing, I'll also diversify between both. It's wise not to put all your eggs in one basket, and the future is uncertain – I can't guarantee that cryptocurrency will always be a viable option.
84  Economy / Economics / Re: The benefits of risk taking on: March 29, 2024, 06:35:17 AM
Risk is when a person is exposing him/her self to dangers, possibility of incurring loss or misfortune
So many people run away from business opportunities just because they fear they will run into loose and didn't want to take such risk
I have come to the realization that the word risk is part of life and that it is better you take part in it than not
From history it has been said that the great entrepreneur and business men/woman where all risk takers when you take risk you throw your self to the real of possibilities

Yeah, that's absolutely true! I agree that risk is an inherent part of life, and to achieve success, we need to become calculated risk-takers. However, it's crucial to distinguish between recklessness and calculated risk-taking. It's important to understand that not all risks are created equal. Success lies in assessing potential risks, developing mitigation strategies, and making informed decisions that align with your goals and risk tolerance.

And in my opinion.  Starting with smaller, calculated risks and gradually increasing them is a smart way to ease yourself into a risk-taking mindset. This allows you to gradually build your risk tolerance and gain confidence in your own decision-making abilities.
85  Economy / Economics / Re: How does one know and join the right community after a job loss? on: March 29, 2024, 06:19:01 AM
If along the line you suddenly loss your job for one reason or the other and now you have to rely on whatever wits and skills you have to survive with a family, instead of trying to look for another job and be doomed to misery, supposing you have some skill of sort that has been hidden and waiting to be explored, how do you hone such a skill, so much so that you earn from it?

You can learn many skills online from resources like YouTube, TikTok, Reddit, and other websites. To determine if your skills are ready for  work, research job postings on sites like Upwork and Fiverr. Find postings related to your skills and simulate offering your services as if you were responding to a real client. If you feel confident in your ability to deliver, then your skills are likely marketable.  Remember, besides developing your technical skills, it's essential to learn how to market yourself effectively.


My question is that, how does one go about joining the right community to fulfil a dream after a job loss?
How does one know the right persons to follow and community to join to help them achieve their dream or purpose in this life?

It can be tricky to know for sure if you've found the perfect community, but a good sign is a focus on give-and-take. If you actively contribute by sharing your skills and knowledge, and receive help and support from others in return, that's a positive indicator.  However, since finding the ideal fit takes time, trust your gut! If a group or person makes you feel pressured, undervalued, or like you're not good enough, it's okay to move on. There's no pressure to stay in a community that doesn't feel right.
86  Alternate cryptocurrencies / Altcoin Discussion / Re: What is your favorites altcoins these days? on: March 28, 2024, 05:47:50 AM
Mine was BNB, ETH, RNDR, ARB. What about you guys? What do you keep following or watching these days? and why?

As usual, my primary focus is on ETH. Its consistent position in the top two speaks volumes. However, I'm actively exploring other top altcoins to diversify my knowledge.  I've been away from the crypto scene for a while, so there are new concepts like memecoins that I need to understand. Still, I believe a sensible strategy is to invest the majority of your funds in established top 10-20 altcoins, while dedicating a smaller portion to riskier, newer projects.
87  Alternate cryptocurrencies / Altcoin Discussion / Re: IslamCoin Project on: March 28, 2024, 05:37:50 AM
IslamCoin Project

1. **Sharia Compliance:** IslamCoin is a digital currency built on the principles of Islamic finance, avoiding any form of riba (interest).

2. **Justice and Transparency:** Utilizing blockchain technology ensures fairness and transparency, allowing users to monitor all financial transactions transparently.

3. **Environmental Sustainability:** IslamCoin employs energy-efficient blockchain techniques, reducing its environmental impact and making it a sustainable option.

4. **Donations and Zakat:** IslamCoin facilitates receiving donations and zakat through the designated wallet address "TCe1raXGoLREFLEtSc3Hwkf9mxfU95rHmN," ensuring transparency and reliability in the use of these funds.

5. **Independence:** IslamCoin is designed to be entirely independent of any other currency, making it a standalone and freely developable option.

IslamCoin aims to provide an innovative financial solution that aligns with Islamic values, intending to promote Sharia principles in the digital finance world.

I'm not very comfortable with altcoins that use religious names.  It feels like they're using religion to attract investors, and that doesn't sit well with me. Religion is sacred, and its name shouldn't be used casually for business purposes.

I think a better approach would be to use a unique name but use the religious principles the altcoin is based on. However, the explanation should be clear enough for the general public to understand.

Speaking of which, I found two altcoins named IslamCoin: Islamic Coin (ISLM) and Islamicoin (ISLAMI).  These similar names are confusing, and neither seems to have a strong price or trading volume.

However, ISLM's roadmap for Q2 2024 does have some interesting aspects.  These include launching a gold-pegged stablecoin with the collaboration of top UAE banks and enabling borderless e-commerce in several countries.
88  Local / Bahasa Indonesia (Indonesian) / Re: BAGAIMANA NASIBMU JIKA FORUM BITCOINTALK TIDAK ADA ⁉️ on: March 28, 2024, 12:37:18 AM
Saya sangat tertarik ingin mengetahui apa tanggapan anda "jika forum bitcointalk tidak ada".
Seperti yang saya ketahui bahwa forum ini sangat sempurna bagi para pencinta dunia cryptocurrency, bagaikan ladang ilmunya crypto di forum ini, semua ada di sini.
Mungkin visi dan misi pendiri forum ini Satoshi Nakamoto(2009) telah berjalan sesuai rencananya.
Untuk saling berbagi pengalaman dan ilmu bagi para member forum ini dan tentunya bertujuan agar dunia cryptocurrency lebih di kenal lebih dalam lagi bagi orang di seluruh dunia.
Bagi saya sendiri bisa bergabung di forum ini saya sangat bahagia karena dari forum ini saya bisa mengenal cryptocurrency lebih dalam lagi, dan saya sangat mengapreasi admin dan member forum ini yang selalu welcome membantu memecahkan setiap masalah yang di tanyakan.
Dan saya yakin melalui forum ini anda semua bisa meraih kesuksesan, dan bisa mendapatkan pundi-pundi penghasilan setiap harinya.
Yang ingin saya tanyakan apakah jika forum ini tidak ada, apakah anda akan bisa berdiri seperti saat ini?
Dan bagaimana ungkapan terima kasih anda tentang forum ini?.

Sumber: https://en.bitcoin.it/wiki/BitcoinTalk

Tanpa forum ini, mungkin semangat saya untuk mencari penghasilan secara online takkan pernah ada. Di sini, saya merasakan sensasi menghasilkan uang online dengan nominal yang lumayan, setara atau bahkan lebih tinggi dari pekerjaan offline pada umumnya, dalam rentang waktu yang cukup masuk akal. Grin

Sebelumnya, pengalaman saya mencari uang di internet hanya sebatas recehan. Saya mencoba PTC (Paid To Click) seperti Neobux, captcha seperti Kolotibablo, dan berbagai survei online. Mendapatkan Rp 100.000 dalam seminggu pun sudah terasa syukur. Saya juga sempat fokus blogging untuk AdSense, namun prosesnya terasa lama untuk mencapai penghasilan yang signifikan hehe  Roll Eyes.

Setelah rutin mengikuti bounty di forum ini, ketertarikan saya untuk belajar freelance di platform seperti Upwork mulai tumbuh. Meskipun pada akhirnya, saya selalu kembali ke forum ini. Grin

Awalnya, memang karena uang. Namun, seiring waktu, rasa penasaran saya terhadap cryptocurrency semakin besar. Pergerakan harga yang tidak terduga dan teknologinya yang luar biasa membuat saya terpesona. Ditambah lagi, tren cryptocurrency berkembang sangat cepat, dan forum ini selalu up to date. Setiap kali hiatus dan kembali lagi, rasanya seperti kembali ke masa awal saya mengenal cryptocurrency.
89  Alternate cryptocurrencies / Altcoin Discussion / Re: Can governments crack down on crypto? on: March 27, 2024, 01:05:52 AM
  • Can crypto continue to thrive without the support of governments?
  • Do you think governments can suppress and restrain the crypto market with their power?
  • If you were the head of government, would you accept or reject the crypto opportunity for your country?
1. In a purely technological sense, yes. Decentralized cryptocurrencies will function regardless of government approval. However, widespread adoption and mainstream integration require a degree of government acceptance and regulatory frameworks.
2.While significantly disrupting the market is possible, complete suppression is unlikely. Bans and restrictions can force activities underground, spur P2P markets, and push innovation to find workarounds. However, governments can certainly hinder growth and mainstream accessibility.
3.My view would be to embrace the innovation with caution. Establish a regulatory framework that balances consumer protection with the potential for technological and financial advancement. Aim for regulation that ensures safety and taxation, while encouraging innovation. Rejection stifles growth, while a complete free-for-all invites chaos and exploitation.
90  Alternate cryptocurrencies / Altcoin Discussion / Re: How fast can one achieve Crypto millionaire status with meme coin? on: March 27, 2024, 01:00:42 AM
Can we truly become Millionaires with meme coins?

It's possible, but highly unlikely. The vast majority of people investing in meme coins lose money, or make modest profits that are nowhere near life-changing amounts. While a few early adopters of specific coins have seen ridiculous gains, they are outliers of an exceptionally risky investment strategy.
If you're exploring meme coins, do so with extreme caution. Only invest what you absolutely can afford to lose, do your research, and never let the potential for "becoming a millionaire" cloud your judgment.
91  Other / Off-topic / Re: Who can you trust more to handle your business, man or woman? on: March 27, 2024, 12:27:17 AM
Am sure many arguments have ensued from the disparity in management that both gender, the man and the woman, can bring to the table as regards managing a business to scale heights of progress.
While a man is preferred for some, in order cases, the women are more favorite to handle top management positions due to their multitasking ability or dedication to vision of the company that's unwavering.

* If you intend to start your business or you already do and are looking for the best candidate to fill the top management position, would you trust a man or a woman to handle the affairs of the business?

* What reasons would you suggest are right, for picking and trusting a particular gender to handle a top management position of your business?

Let's discuss!

I believe the best candidate for a top management position should be selected based on their qualifications, experience, and alignment with the business's goals. The key qualities I'd look for in a top manager are strategic thinking, effective communication, problem-solving acumen, and a genuine passion for the business's mission. These qualities can be found in individuals of any gender.
92  Alternate cryptocurrencies / Altcoin Discussion / Re: Why not try out a less popular but promising token? on: March 26, 2024, 06:37:44 AM
cost? scam? believe? Data cocoon room? This is probably why we are afraid to buy new token. So, starting tomorrow, I plan to take the first step to learn about an unknown token. Everyone is welcome to recommend, and the flag is here. Grin Grin

Cryptocurrency is inherently volatile and high-risk, and less popular but promising tokens carry even greater risk. If a token has low demand, its survival is questionable even if it offers promising features. While you might invest hoping people will eventually recognize its value, the majority of these tokens don't survive.  Many people won't be interested unless the developers make significant marketing efforts.  Therefore, always do your own research and only use money you can afford to lose.
93  Alternate cryptocurrencies / Altcoin Discussion / Re: investing a money on: March 26, 2024, 05:40:59 AM
Let's assume we have a) $5000 b) $10000 c) $15000 to invest, what do you suggest?
Well, it's just a hypothetical situation if I had the money like you said:

$5,000: Allocate a smaller portion (20-30%) to a lower-risk established coin like Bitcoin (BTC) or Ethereum (ETH). Invest the remaining amount (70-80%) in a basket of 2-3 mid-risk projects with established use cases and some track record, such as Chainlink (LINK), Polygon (MATIC), or Polkadot (DOT).

$10,000: Maintain a core holding (15-20%) in established coins. Allocate a larger portion (50-60%) to mid-risk projects like the options above. You could also consider a small allocation (10-20%) to a high-risk, high-reward project after thorough research. Remember, high-risk projects have a higher chance of failing but also the potential for significant gains.

$15,000: Maintain a core established coin holding (10-15%). Allocate a larger portion (40-50%) to mid-risk projects. You can explore a slightly larger allocation (20-30%) to high-risk projects, but prioritize in-depth research and understand the potential downsides.

Since I have limited budget, the majority of my investment would not be focused on Bitcoin. Additional tips: Always DYOR (Do Your Own Research), don't invest more than you can afford to lose, and avoid FOMO (Fear Of Missing Out).
94  Alternate cryptocurrencies / Altcoin Discussion / Re: Dead Coins: Over 50% of Cryptocurrencies Have Failed on: March 26, 2024, 05:07:41 AM
https://www.coingecko.com/research/publications/how-many-cryptocurrencies-failed
"How Many Crypto Coins Have Died?
Over 50% of all cryptocurrencies have died. Of the over 24,000 cryptocurrencies listed on CoinGecko since 2014, 14,039 have died.

Most dead cryptocurrencies came from projects launched during the 2020 - 2021 bull run. 7,530 cryptocurrencies from that period have died, accounting for 53.6% of all dead cryptocurrencies on CoinGecko. Over 11,000 cryptocurrencies were listed on CoinGecko during the previous bull run, with ~70% having shut down since."

___
Officially, only 50% are scam and unsuccessful projects

Honestly, these figures are a bit scary.  It really makes you realize how brutal the crypto market can be. Seeing over half of all listed cryptocurrencies classified as 'dead' is a real wake-up call. Especially considering the surge of projects launched during the 2020-2021 bull run, it seems many may have been rushed out without a clear plan for long-term success.

This is a crucial reminder for all of us to be extra cautious before investing in any new crypto. Definitely don't let the hype cloud your judgment! Do your due diligence - research the team, the technology, the tokenomics, and the community. Otherwise, you might just be throwing your money into the next 'dead' coin.
95  Alternate cryptocurrencies / Altcoin Discussion / Re: Which coin is more profitable? on: March 25, 2024, 04:17:29 AM
Just one bitcoin
Bitcoin is the most profitable crypto to all investors. Bitcoin is the first digital asset to hit the crypto market. In fact it was more profitable for its early investors.

While Bitcoin is widely recognized as the pioneer of cryptocurrencies and has historically shown significant returns, it's important to avoid making blanket statements about profitability. The cryptocurrency market is highly volatile,  and profitability depends on factors like your investment timing, risk tolerance, and the overall market conditions. Other cryptocurrencies might outperform Bitcoin over specific periods, especially newer projects with innovative use cases. It's essential to conduct thorough research and diversify your portfolio rather than relying solely on the performance history of a single coin.
96  Alternate cryptocurrencies / Altcoin Discussion / Re: Crypto is not the future, it is the present on: March 25, 2024, 04:10:18 AM
And you, what do you think, please share your views:
  • Do you think we have reached the crypto era?
  • You think crypto is the future, or crypto is the present?
  • If crypto is the future, when will that future come?

[1].I'd say we're in a transitional phase. Crypto is gaining widespread attention and adoption, demonstrating its potential to shape the future of finance and technology. We're not yet in a full-fledged "crypto era" where crypto is integrated seamlessly into everyday life, but we're definitely beyond early-adopter stages.
[2].I believe crypto is both the future and the present. It holds immense potential for reshaping financial systems, enabling new forms of ownership, and facilitating decentralized transactions. However, it’s also already making its mark with growing acceptance and practical use cases.
[3].Predicting the timeline is difficult. Mass adoption will depend on factors like:

  • Regulation: Clear, supportive regulations will foster trust and mainstream use.
  • Scalability and Energy Efficiency: Crypto networks need to handle larger transaction volumes at lower costs and with a reduced environmental footprint.
  • User-friendliness: Simplifying crypto interactions is key for widespread adoption.

The full potential of crypto might take years or even a decade to fully realize.
97  Economy / Economics / Re: The impact of war on global economy. on: March 25, 2024, 03:47:52 AM
1. Increase in the national GDP is least likely to be caused by a war.
2. Oil is considered the most crucial resource in modern warfare.
3. War affects the stock market by causing a decline in stock prices.

What do you guys think? Is this true or false?

1.Generally true. Wars often lead to destruction of infrastructure, disruption of trade, and loss of human capital. While there can be short-term boosts from defense spending, sustained economic growth is unlikely during a prolonged war.

2.This is largely accurate. Oil fuels military vehicles, ships, and aircraft. Disruptions to oil supplies can severely hinder military operations, making it a vital strategic resource.

3.True, but it's a simplification. Wars introduce uncertainty and instability, leading investors to become risk-averse. However, specific industries like defense and oil may see their stocks rise due to increased demand.

Overall, your statements reflect common effects of war on the economy, but it's essential to remember that  the economic impact of war is always complex and depends on the specific conflict, its duration, and the nations involved.
98  Economy / Economics / Re: Impacts of your national economic and the fiats values to your bitcoin holding on: March 23, 2024, 06:55:28 AM
While our national and economy rate is differed, so also the value rate of our traditional currencies differs in values too.
So does it affect your Bitcoin holding? And does it also affects your bitcoin value tradiing rates?
To me and the other average citizens and investos from this side, it's very much negatively effective at the moment as we've been struggling to meet up financial challenges due to excessive cost of goods.
My economic system is very down and the value of my traditional currency is very low comparing to USD. This has caused me excuses not to accumulate more of bitcoins to my holdings than expected.
At this juncture, I'm being optimized to wider my sources of income just so I can let my bitcoin assets stay untouched while it grows in values as I continues to hodl.
This is really panicking and tormenting to temper with my holding but I'm stressing out with excessive economizations just to reach my goal of Investing in this bitcoin industry.

Meanwhile as the fact that my fiat in value is being depreciated to the USD, that's the more my increments to trade and exchange my bitcoin assets is also appreciated.
So on the other side, it's assumed that I'm earning my bitcoin investment in the USD rates which is very much valuable during a trading exchange of my bitcoin to my fiat. That is just where my confidence in investing in this crypto market lies.

Who's on this same circle with me? What similar or unique situation do you've to share with us?

I feel you completely. The rising cost of goods due to our weak currency is a major challenge. It's forcing me to diversify my income streams. Thankfully, with internet access still affordable, I can look for remote jobs or bounties that pay in strong currencies like USD or even crypto. However, the global job market is incredibly competitive . Here's a tip: consider using generative AI tools to help you with your current work. By automating some tasks, you can free up time to pursue those extra income opportunities.



99  Economy / Economics / Re: Farming and it importance to the economy on: March 23, 2024, 06:41:32 AM
Farming is an agricultural practices that involves the cultivation of crop's and plants for the consumption of man either in commercial or subsistence ways

Unfortunately farming is now seen as a thing of the poor that no one wants to go into, even the government is not doing enough to support farming activities
Food is a very important aspect of society that any society that wants to make progress is a society that has eaten very well , infact the economic super powers are society's that have attained food security
Farming activities helps a nation economy grow as scarcity of food will lead to inflation of prices of food in the market
Government should do everything to make sure that people go back to the farm and create the right environment for farming activities

They can do that by granting interest free loans, Education of farmers and giving out fertilizer to farmers
Farming is an important aspect of every economy
Let discuss guys what do you think about farming to economy

While your points about loans, education, and resource support for farmers are crucial, I'd like to add a few more ideas. Governments must also invest in infrastructure like roads, storage facilities, and market access. This will enable farmers to efficiently sell their produce.  Additionally, combating climate change by supporting climate-smart agriculture will make farming more resilient in the face of environmental challenges.  Finally, public campaigns promoting a positive image of farming are essential to attract a new generation to this vital profession.

One example of such a campaign could utilize social media, television commercials, and educational programs to showcase the journey of food from farms to our plates. It could highlight the hard work and dedication of farmers, the technological advancements in agriculture, and the importance of sustainable practices. By presenting the positive aspects of farming and its vital role in society, this campaign could inspire a new generation to consider a career in agriculture.

Of course, this is just one example, and the most effective campaigns will likely involve a multi-pronged approach.  However, the core message remains the same: we need to value and support our farmers. A strong agricultural sector is essential for a healthy society and a thriving economy.
100  Economy / Economics / Re: Ignore Financial accountability to your detriment on: March 23, 2024, 06:24:38 AM
If we are interested in making the best use of our earnings and investments, the place of financial accountability can't be overemphasized. It is one of the major reasons why some people will have lots of money in their account this month and the next month you see them struggling with finance.

 When you see a rich man who suddenly becomes poor or an average man who never grew above his current financial state, it's basically because they possibly weren't accountable for the money that was coming into their hands.

Being financially accountable entails that you delegate what your income would be used for and ensure you follow it up to the latter. It is one way that helps you plan well for your future since you can probably work on setting a particular amount out of your income that will probably go into short or long-term investment depending on what you want to achieve.

If you've not figured out how to hold yourself accountable financially, you shouldn't even think about making any real investment because it won't take time before you exhaust all the money in your hand and take your investment immediately. It involves discipline, proper planning, and the ability to stick with your plan. Big firms do it and if you take it seriously, even though your income might be little, the proceeds of the income will amaze you.

If you don't take your financial accountability seriously and want to allow everything to fall into place by chance, you will learn a hard lesson the bad way.

I agree with your points, and I'd like to add a few suggestions to enhance financial accountability. Firstly, utilizing tools like budgeting apps or spreadsheets can be incredibly helpful in staying on track. Secondly, having specific financial goals (like saving for a down payment or building an emergency fund) will keep you motivated to stick to your financial plan. Finally, it's important to remember that learning financial accountability is a process; making mistakes is normal. Being kind to yourself as you learn adds sustainability to the practice and helps you stay committed long-term.
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