Так это тебе просто повезло. Оказалось бы подруга твоя стервой какой, фиг бы ты чего отсудил в суде (ну максимум половину квартиры, как совместно нажитое в браке). Это пришлось бы доказывать фиктивность сделки и, самое главное, кому? Стороне второй сделки, которую первая прикрывает. Ляпота! Хотелось бы я посмотреть на реакцию судьи, когда бы ты начал ей втирать про то, что это на самом деле твои деньги были уплачены, а квартиру ты записал на жену, чтобы, например, не светить доходом и не платить налоги. А вообще, за двушку (зачеркнуто) девушку нужно было держаться все конечностями и зубами. Красотка!

Где ты еще такую теперь найдешь?

But here's the problem

Even in military and under an oath, obeying an unlawful order can result in criminal prosecution. In other words, you are legally responsible for your actions even following from direct orders of your chiefs. Then, why are you to be held fully accountable for your wrongdoings since 17 years of age in matters literally concerning the lives of other people, but you can't be considered having the capacity to manage your own affairs in such trivial matters as alcohol consumption until you turn 21? Doesn't make a lot of sense if you ask me

As much as I want to agree with you, there's nothing more permanent than temporary

This is not my observation, and it has been tested in ages as it has strong grounds, even if it sounds more like a joke. Okay, your colleague closed his business as he thinks for some time only, until the dust settles and the sun shines bright again, as it were. So far so good. But how will he know that it is the right time to open up again if he is no longer in the biz? And when that time comes, how can he be so sure he will have an inclination to continue? The point is, if he really were into this thing, he wouldn't shut it down. But if he is not, it will be hard to restart. To sum it up, keep us posted

I can't say that I disagree with these ages

But it still looks ironic that you can't drink legally in the States until you are 21 years old. However, you are eligible to join the US military when you are only 17 years old. Where's the irony here, you may ask? The irony is that you can technically start killing people when you are just 17 but you can't consume until you turn 21

Let me state at the start that I mostly agree with you

If we proceed from an objective definition of luck (in simple terms, a fortunate or beneficial accident, with the emphasis on accident, i.e. a random event), you are 100% correct, and no one can be lucky forever. With that said, though, you may still appear as extremely lucky to the outsiders, and it means that you know something which others don't know, and you can use that knowledge to your advantage. Then things that are considered random are no longer random to you personally. In that way, you will become an insanely lucky man as seen and evaluated by your peers, seemingly despite all odds

If you haven't looked into this topic, it may be the right time to read it

Well, at least read the part about how CBDCs may turn out beneficial for cryptocurrencies down the road. The utter irony is that the more the governments crack down on cash, with CBDCs or other tools, or all available means combined, the greater number of people will be using cryptocurrencies (Newton's third law applied to finance). And the mother of all ironies would be when crypto emerges as a single winner in the cash wars that central banks are going to unleash upon us

Кто все эти люди?

Правильно, это люди, которые удачно поймали волну на хайпе скорого краха доллара. Хазин даже книжку успел выпустить, типа крах империи доллара, ага. Интересно, он сам верил в то, что писал? Понятно, что теперь им веры нет, но, наверняка, они что-то до сих пор продолжают втирать доверчивой публике. Возможно даже совершенно противоположные вещи. Как говорится, куй железо не отходя от кассы

This scenario is certainly possible

However, it won't be Bitcoin's fault. The point is, you can't actually say that it is Bitcoin that acts mean. If it goes below 3k, it will most definitely be due to some external event affecting the whole economy. For example, the infamous March 12 crash was due to a stock market crash, and Bitcoin only followed it. Of course, it showed pretty clearly that the cryptocurrency market is not a thing unto itself or entirely disconnected from the external world

Курс рубля от ставки рефинансирования зависит мало и очень опосредованно

А вот от чего он зависит напрямую, так это от курса нефти (и, в меньшей степени, газа). Чем меньше стоимость нефти в долларах, тем меньше будет валютная выручка отечественных экспортеров. А поскольку у нас в стране мало чего производится родного, и даже то, что производится, фактически состоит из импортных комплектующих, которые за деревянные нам никто не продаст, то падение курса нефти неизбежно приводит к падению рубля. Экспортная выручка падает, а платить за импорт все равно приходится в долларах (как вариант, в евро), и через курс рубля балансируется торговый баланс страны -- за счет обычных граждан, разумеется

И это мы еще не упомянули эмиссию вообще ни чем не обеспеченных рублей, которая зависит лишь от прихоти вождя и того, что ему на ухо нашепчут

Man-made doesn't make it fake

As a biological weapon, any "artificial" virus or bacterium should be more contagious, more resistant to treatment and disinfection, and overall more lethal than its more "natural" cousins. That's the whole point. In this sense, Covid-19 fits the dismal picture perfectly. Whether it is actually man-made or someone in China was just unlucky to eat an infected bat as per reports, remains a matter of future investigations

If you are a social Darwinist (a kind of), you would be right. But you would be right even in respect to small pox and plague that killed people in millions but they still didn't threaten the survival of human race. It could be argued that any disease kills only the weak and the old making the society more resilient to this infection in the future ("the survival of the fittest"). According to Nassem Taleb, this is the exact mechanism which makes humanity antifragile

Disclaimer: I do not necessarily share or endorse such views

It was meant as a pun. Don't take it too seriously



In light of collapsing economy, JPMorgan plans to lay off several members of Congress

But any merchant knows his figures

He knows that, say, 70% are paying in hard cash and the rest with plastic. Sound accounting says that a) he can't ask more from those who pay with cards, and b) he can't lower his margins lest he should get thrown out of business. This leaves him with only one avenue to follow that would let him escape this rip-off, and that is to socialize the card payment costs, then privatize the gains (if there are any)

Strongly agree with this view

It is not set in stone there'll be a working vaccine at all. And all that money will be wasted. Well, not wasted in the sense of lost but condensed in the pockets of a few. More and more it looks like we are going toward collective immunity provided there is one with this type of virus. But one thing is sure, we will find that out before they come up with something tangible in terms of effectiveness (not even speaking of safety)

If you don't want to sound patronizing (smells like a lot of irony), avoid using the word dude in your posts when speaking to a fellow member (mate seems to be a good substitute, just in case)

But you may choose to disagree, of course

There's another point worth mentioning

If we agree that the current dynamic looks pretty much like mid-late 2009, we mustn't discard what happened a few years later. That is to say, we should also envisage a crash followed by another decade of painful consolidation through most of 2020's


Somehow, I thought you should have sold out at the peak of a historic uptrend and bought back at the bottom of a downtrend no less historic in order to actually beat inflation. Then no questions would be asked, indeed

If you had to make a choice between World Peace or all of Bill Gates money, Ferrari of what color would you buy?

I'm not sure your calculations are correct

Note that I don't necessarily say they are wrong. I just don't understand how you arrived at 20% to 40% of profit margin being eaten up by the payment system. To make life easier and calculations simpler, let's consider the charge at 1% exactly. So how did you get 20% out of a 5% profit margin? Like 5% of profit out of 1000$ transacted amount is 50$, and you pay 1% which is 10$, or 20% taken from 50$ of profits, right? To me, it doesn't look like a correct approach to calculating costs

As I see it, if you should include the costs of using Visa or MasterCard in the price of goods and services you offer as they are just costs like any other, regardless of the actual payment method your clients might use. Then your profit margins should remain more or less intact. In other words, you will have to close the shop if you are going to pay so much out of your profits provided everyone pays with Visa or MasterCard, of course. What am I missing here?

IT isn't looking very promising these days

The space is massively overcrowded, and the decision to move to something else seems to be a right choice, especially when you are still young, say, under 35 years old. Indeed, there's no rule without an exception, and if you are offering some local services (I dunno, maybe network stuff or in-house developing) or taking a very specific niche (you know, without "the cheap Hindu element in it", yet), then you should probably stay. For a few more years, wasting the precious time of your life, until it is too late to change your career path

In the second half of the 19th century morphine was sold freely in pharmacies, and so what?


Casinos can be as dangerous

If you had participated in the gambling section before you put on the Wolf.bet signature, you would have known that there was a thorough, in-depth discussion on this matter. And to say that opinions varied would be an understatement of the century (of this century already). The only thing in which casinos are better than drugs is that their negative impact even in the worst of cases doesn't destroy your body beyond repair unless the damage is deliberately self-inflicted, of course (read, there is always an opportunity to reverse the damage)