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861  Local / Ekonomi, Politik, dan Budaya / Re: Paylater dan Pinjol, mempermudah atau Menjebak? on: January 18, 2024, 06:44:25 PM
saya memiliki pandangan seperti ini gan. hutang hanya akan memberikan manfaat ke pemberi hutang jadi kepepet sekalipun jangan pernah berhutang. lebih baik diam dan mengelola nafsu untuk mengurungkan niat membeli barang yang sebenarnya itu konsumtif dan nilainya juga selalu turun tiap tahunnya belum lagi bunga yang gila-gilaan diterapkan para pemberi hutang.
jadi pinjol apapun itu mempermudah mereka meraih kekayaan dengan mereka menjebak customer atau calon customernya dengan iming-iming barang yang lebih cepat mereka dapatkan dibandingkan dengan menabung terlebih dahulu untuk membeli barang tertentu dengan tunai.

Kalau menurut saya, orang tidak mungkin bisa menahan untuk berhutang dalam kehidupan sehari-harinya meskipun dia tidak berniat untuk berhutang pasti suatu saat dia akan melakukan hal itu, dan berhutang menurut saya itu hal wajar dan sah sah saja asalkan dia tanggung jawab sesuai janji untuk mengembalikannya.
didalam perhutangan orang kaya dan orang miskin adalah sama saja tidak ada yang mampu membatasi dan melarangnya, karena itu hak pribadi, jika tidak ingin menimbulkan resiko besar ya sesuaikan saja badget hutangnya sesuai kemampuan diri sendiri agar tidak kebingungan atau kesusahan jika pada saatnya harus mengembalikan.
Kalau membicarakan hak atau tidak, jelas itu semua hak pribadi mereka masing masing dan sebenarnya kita juga tidak dirugikan ketika mereka meminjam uang atau tidak. Namun ini adalah bentuk kepedulian kita, karena ketika mereka merasakan kesulitan hal itu juga berpeluang terjadi pada kita.
Sekarang utang sudah menjadi kebiasaan hampir dari semua orang, saya tidak yakin berapa persen orang yang tidak terlibat sama sekali dengan utang, baik itu dengan nominal yang kecil atau nominal yang sangat besar. Mereka memang harus bertanggung jawab dengan apa yang mereka lakukan, sebelum mereka melakukannya mereka harus mempertimbangkan secara matang apakah mereka akan bisa mempertanggung jawabkannya atau tidak.
862  Economy / Gambling discussion / Re: La Liga (Spanish League) Prediction Thread 2023/24 on: January 17, 2024, 03:21:55 PM
I can't understand how Girona played in week 20 and how they ended up with a draw. They didn't play like they usually do and Almeria were successful in their strategy. The team that has been strong and even they can beat Barcelona and also Atletico Madrid but they can't beat Almeria who are at the bottom of the table.
Indeed, in this case we cannot predict because anything can happen. No matter how big the difference between the teams playing, the difference is not a guarantee that the strongest team will win. Girona have shown us that.
863  Economy / Services / Re: [OPEN]Signature Campaign Dexsport.io ⚡ The First Decentralized Betting Platform on: January 17, 2024, 02:17:06 PM
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864  Economy / Services / Re: [OPEN] Duelbits.com | Signature Campaign ~ Full Members+ | Up to $70/Week on: January 15, 2024, 11:31:50 PM
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865  Bitcoin / Bitcoin Discussion / Re: What if authorities launch a tax for owning bitcoin? on: January 15, 2024, 10:57:19 AM
The government can't tax us in any way, because they already focus taxes on our local centralized exchanges. So as long as we hold Bitcoin in private wallets, for whatever reason the government cannot touch it or even impose taxes. That's why it's called decentralization which cannot be controlled by any party. Don't misunderstand crypto taxation, because the regulations that have been established, for example my country's local centralized exchange already has a legal license to operate including taxes. Where did they take it from? You may know that when trading there is a taker and maker system where the percentage is determined, how much goes to the exchange and how much goes to the state treasury. So we no longer need to think about taxes on private property.
866  Economy / Gambling discussion / Re: La Liga (Spanish League) Prediction Thread 2023/24 on: January 15, 2024, 04:30:53 AM
I believe Barcelona already known about their weakness and need for improvement with their not too good performances in La Liga and their current ranking. As a current championship holder, they have to do better because they are defending their title in this season. They actually fell behind Real Madrid and more surprising, behind Girona and Atletic Club.

This defeat in Supercona is bad for Barcelona but they must move on from this defeat. Sacking Xavi will not be a smart decision because it will cause chaos in Barcelona. Xavi actually helped them to improved, got chances to play in Champions League and even won La Liga. Generally, his contributions for the club are very big and should be recognized. He is building their squad with many young players who are future of Barcelona and need time from Barcelona and Xavi to grow up.

In La Liga, Barcelona chances of being able to defend their title are uncertain. This season the race for champions can only be pursued by Madrid and Girona, but there was a moment where Girona couldn't prove it again against Almeria, where Girona only shared the points. Having faced Almeria several times has been Girona biggest difficulty. Head2head both still belong to Almeria.

I know that Xavi has made a big contribution to Barcelona achievements, but currently his relationship with Laporta is a little strained because there are policies that are not mutually beneficial. Xavi demands that the club's financing be paid attention to. Meanwhile Laporta cannot fulfill this due to messy finances. For the next season Xavi will be increasingly doubtful about leading Barcelona.
867  Economy / Gambling discussion / Re: La Liga (Spanish League) Prediction Thread 2023/24 on: January 15, 2024, 03:46:46 AM
But perhaps it is time to achkowledge that we had the amazing luxury to watch El Clasicos when it was still Ronaldo against Messi. But now there is no Ronaldo and Messi anymore and what was the chance that the Clasico would still be as exciting? It was doomed to be less exciting when those two players were gone.

Barcelona can't get onto another, a higher level, but I consider the whole Barcelona team not strong enough. Gundogan is not the same in Barcelona. They have creative players, but they lack perseverance. Other teams understand that this Barcelona team has weaknesses. The times are over when their opponents thought that there is no chance to beat them.
Madrid big win made Barcelona realize that their quality now needs to be improved. Vinicius hat trick could be a big asset for Madrid to look at the Domestic League competition as increasingly promising. The first half belonged to Madrid, while in the second half Barcelona had control but could not make Madrid rear defense falter. What was very unfortunate was that Barcelona back line was very weak, especially Kounde made many blunders, instead of implementing the offside trap, Madrid managed to escape. Rodrygo and Vinicius are very free in Barcelona's defense.

I suspect that because of this defeat, Xavi is said to be in danger of being fired. Being able to score 1 goal for Barcelona is a bad achievement.
868  Economy / Speculation / Re: Bitcoin ETF Approval; Price dumps, what Next? on: January 14, 2024, 12:46:21 PM
I also think a lot of people do not realize what are actually happening when "Bitcoin" are transferred over to a platform that are manipulated by Fiat whales. The traditional Fiat trading platforms are the playground of the super rich and they have the ability to manipulate markets with insider trading and also "circle jerk" information sharing that can be used to influence markets and even currencies. (Just Google on how Banks colluded to manipulate currency values)

These guys knew well in advance that these ETFs would be approved, they bought early and they are "selling" and making profits. They also know that there will be a "correction" phase and they will use those profits to buy low again and sell when it is high. Bitcoin has entered the regulated arena of the Fiat whales, where you get f#$ked by their centralized and controlled systems.  Roll Eyes
That's how comfortable it is to be whales who can easily play a role in the market in and out of making profits, while we can only watch because we have Bitcoin handles and don't expect a big miracle to come suddenly after the ETF is approved the price will soar and make a profit. But whatever the situation and the turmoil of price  manipulation we as retailers are confused. Luckily we entered the Halving phase and didn't expect too much from this ETF whose impact was normal. I will stay focused on what the Bitcoin cycle has become regardless of whether  the ETF is having an impact or not the fact is that the whales are able to buy at whatever price they want.
869  Economy / Gambling discussion / Re: Premier League Prediction Thread 2023/2024 on: January 14, 2024, 12:34:20 PM
Everton have somehow lost their excellent form in their defense as they had conceded a total of 8 goals in their last 3 English Premier League matches played. I think it will be very difficult for Everton to keep a clean sheet today when they play against Aston Villa despite having the advantage to play this match at their home stadium. I guess there is a high chance for Everton to continue their losing streak.
Everton setback after sanctions makes the situation demanding to escape the relegation zone definitely difficult. However, Everton had time to improve their performance in several matches but were still unable to control the situation like before the points deduction. Maybe their target is just to focus on staying away from the threat of being thrown into Caste 2 of the Premier League this season. Now they will face Aston Villa demanding to get 3 points at home which is not easy, Aston Villa, who was eliminated from their position in the runner up standings, wants to take it back from Man City. Being sandwiched between giant clubs is certainly the biggest test for Aston Villa to be more equal.

I anticipate the match between Manchester united and Tottenham today and my pick is for Manchester united to win but then I'm very much aware that Tottenham in recent times are back on their feet and are playing really well but then traveling to old Trafford may be a disadvantage for them because the red devils will try to defend their home as they have lost so much at home this season but I'm very sure Tottenham Will be able to get at least a goal before the end of the game today..
Man United must be able to maximize their performance at Old Trafford and not waste any more opportunities. Tottenham are still quite strong even without Kane if the opponent is only Man United, this match depends on the Man United players whether they will lead the game or whether Spurs will control it. Because as hosts Man United is more favored with its own field. Ideally like that but we can't be 100% sure.

Honestly, I was amazed to see Man City's comeback which amazed me to see De Bruyne absent for so long due to injury, as soon as he arrived his aura was immediately different, I don't know whether he is the best midfielder in the world at the moment. He is also more handsome after a long injury and also smarter.

Maybe that's the difference between world class players and other players, he can lift Man City from falling behind through goals and assists from De Bruyne. As soon as De Bruyne came into midfield, the lively duo of Kovacic and Rodri started flowing forward with classy goals and classy assists. It is not surprising that De Bruyne plays the role of King of Assists in the EPL.
Really turning things around in a situation of being left behind means Man City is now in an advantageous position. Moreover, they are back in 2nd place in the standings, only 2 points behind Liverpool. This will be an interesting end to the season where Man City will again be aggressive in defending the trophy. For Liverpool, it seems they need to create distance because if they lose 1 match, the top of the standings will automatically be taken back. Regarding the match against Newcastle, I think it is more than enough to prove that De Bruyne return is able to make Pep Guardiola's playing strategy more effective, starting from building attacks, exploiting gaps, to being able to read the direction of the opponent's movements. Newcastle showed extraordinary resistance, even though they lost they were at least able to completely control the first half.
870  Economy / Gambling discussion / Re: ⚽ Football Transfers Speculation, Odds and Predictions on: January 14, 2024, 12:12:48 PM
Since returning to Spurs a few days ago, Reguilon now appears to be heading back to another EPL club and Brentford is interested in making a loan offer for Reguilon. I thought that after spending half a season with Manchester United, Reguilon would still be in coach Ange's plans and it seems that didn't happen and instead Spurs are opening their doors again to other teams if anyone is interested in him.

Currently it is reported that it is not Brenford who are interested but there are several other teams who are also competing to get Reguilon. Spurs have definitely agreed to this loan status and now the decision is in the player's hands to determine his future career. I think if that's the best then Reguilon should seek more experience at another club before becoming a mainstay for the Spurs squad.

Source: https://twitter.com/FabrizioRomano/status/1746461400372011193
This season in the eyes of coach Ange, Reguilon is not on the target radar, meaning he is considered not suitable for implementing the strategy. It's no wonder why, after being returned by Man United, Ange immediately made an offer to other clubs who were  interested. This means that Reguilon has to return to adventure in a way that is not very  profitable for him. Or perhaps more precisely EPL clubs have no intention of accepting Reguilon signature, he can migrate to another Domestic League in Europe.
871  Economy / Gambling discussion / Re: Know when to stop on: January 13, 2024, 12:30:56 PM
* Stop when you are now feeling as is you can't do without gambling.

* Stop when you have a big winning, by channeling the money somewhere else so you won't lose it back to gambling.

* Stop when you are not even winning at all, it's not your thing.

* When your losing is weighing you down, stop and restrategize .
Immediately control your mental state after experiencing a crushing defeat, at least rest yourself and remain a healthy gambler.

Take control of your winnings and enjoy some of the money to buy what you need. Risk management after a big win usually wants to increase the bet. In fact it will trap you into an initial situation where the balance becomes Zero.

Always have a betting allocation, If your allocated funds for today have run out then follow the rules. Always wait for your next allocation according to the schedule you have made.

When you start gambling, it means that from the start you are ready to lose and in any way, if in the end it becomes a burden, it means you have misdefined entertainment. Entertainment means wasting money, money that has been prepared to be lost.
872  Economy / Gambling / Re: JustCasino.io | Get the Best Crypto Casino Experience on: January 13, 2024, 12:18:02 PM
Welcome to the forum

Newcomer casino JustCasion has launched a signature campaign promotion to start its positive day on the forum. Good choice you made, hopefully we can see how far this casino has progressed on the forum, you have enough time do you have more to offer besides focusing on the signature campaign? We will definitely look forward to getting to know justCasino.

I haven't tried exploring this casino yet, maybe in the future I will take the time.

BTW, usually I always wait for reviews from
@GamblingBro, but unfortunately he hasn't been active since December 7th.
873  Economy / Speculation / Re: Bitcoin ETF Approval; Price dumps, what Next? on: January 13, 2024, 11:57:42 AM
As the title suggests, we have all been waiting for this period for a long time, and it has finally here, yet the price of BTC remains low despite the high spot ETF Bitcoin trading volume. We were led to expect that the price would increase upon SEC approval, but the contrary is now happening.  What now?
This is just a matter of selling power and buying power so you can determine which one will have the highest volume after the ETF is approved. I also thought there would be a significant increase but in fact it was slightly beyond expectations. Maybe some people who hold Bitcoin already have a sales target but on the other hand until now we are waiting for the ETF big breakthrough, what impact it will bring and in which direction they want to take the Bitcoin price. How can it not be confusing when  the most anticipated ETF approval does not have the impact we imagined. but we have to be a little patient, because everything requires a process that could surprise us when we wake up and see the price of Bitcoin. In my opinion bearish market sentiment is being put to good use, whether we realize it or not, this moment seems to support institutions buying  at cheap prices.
874  Economy / Economics / Re: People don't understood btc etf exacly on: January 12, 2024, 11:51:17 AM
Bitcoin Spot ETFs will increase demand on bitcoin and naturally with supply and demand principle, price will increase with time.

Because supply is the same, demand is bigger, more capital will flow in Bitcoin market, price must increase in long term. If you can understand its long term growth, you must have strong hands to hold your bitcoin. Consider that you hold it as a long term investment, forget about short term news, short term trading, holding will help you to increase your portfolio value.

Just invest with own money, don't sell everything you have to invest because you will not afford to lose everything with your investment.
Despite the ETF approval, whales are actually withdrawing their Bitcoins from exchanges in droves, if you look at the transactions based on @whale_alert on yesterday's ETF announcement date, it makes a lot of sense not to just hand over their Bitcoins to a new institution. I don't know if there is a correlation, but I believe Bitcoin withdrawals to unknown wallets have been prepared since learning of the SEC decision. Interestingly Bitcoin prices are currently trending stable above $45K - $46K, but we will see demand become more aggressive in the next few days/weeks. To be sure, as long as large and retail shareholders  remain firm in their stance prices can continue to rise and rise even before the halving occurs. This is just my personal  assumption about what happens after ETF approval. Anything can happen in a volatile market.
875  Economy / Gambling discussion / Re: ⚽ Football Transfers Speculation, Odds and Predictions on: January 12, 2024, 11:16:11 AM
@hyudien to be fair to Tottenham they have coped very well without Kane and ups and down happen with all the clubs so it’s normal for them to lose few games however they have made a smart move by getting Timo. Lastly I don’t believe that we should judge them so soon maybe let’s wait till the end of the season because I feel their form will improve and Timo also would like to make a point by proving his doubters wrong that he can’t perform well in the premier league.
Of course, let's look at Timo Werner, with his track record which is not that surprising, he is now challenged to be much more reliable in the most difficult competition in the world. The Premier League can be an opportunity but it  can also be a trap for players who find it  difficult to develop. So you can just hope for the improvement that Spurs want to show but don't expect too much. The most important thing is to  build teamwork in a fairly short time, namely the middle of the season, where Timo Werner does not  have time to adapt but must immediately show his suitability.
876  Economy / Gambling discussion / Re: A brief advice for the newbie gamblers. on: January 12, 2024, 10:55:18 AM
We countlessly experiences new gamblers on daily basis in the gambling boards. Not just in this platform of
a mere gambling discussion but in a reality of gambling. So briefly, I call to your attentions the newbie gamblers to be aware that>>>
"Responsible gambling is cordially adhered by your audible alertness to realize that temptations as irresponsible gambling is inspired by your desperacies of making profits or recovering your losts".

Fellow experienced gamblers, your brief contributions would also be valuable.

It's a bit difficult to understand, but I will try to describe the meaning according to the direction of your thinking.

So actually there is nothing we can prevent other than just being able to give a warning that when deciding to gamble, you just need to make sure that you use money that you are ready to lose and you have to be able to control your emotions well. this bet. Beginner gamblers always like new experiences and challenges despite being given advice, because it's their money so we can't do more and it's better not to get involved beyond our responsibilities which is just a warning.
877  Economy / Gambling discussion / Re: ⚽ Football Transfers Speculation, Odds and Predictions on: January 11, 2024, 12:58:56 PM
Tottenham's squad have been trying but they've not really been trying extra, even though they're at a good spot on the EPL table. Since Kane's exit from the team, it's utterly being difficult to find an almost near intensity that matches that of Kane. Well they've got a new player on loan for themselves in person of Timo Werner for Leipzig. Well let's hope his 2nd time in EPL would mean a lot for Tottenham.
Tottenham condition after being left behind by Kane was able to appear extraordinarily convincing in the EPL but that was only temporary, now Tottenham existence seems to no longer be of concern to the top EPL teams because after their performance dropped drastically, Tottenham is no longer on the threat radar. In the transfer market, Tottenham is again trying to improve its front line because relying on Son and Richarlison alone is not enough. So the big hope is that the recruitment of Timo Werner can provide a breakthrough force on the front line to replace Kane. Although I'm not sure it can be finished in a short time because the EPL is already a quarter of the way through.
878  Economy / Gambling discussion / Re: ⚽ Football Transfers Speculation, Odds and Predictions on: January 11, 2024, 06:54:16 AM
I think playing football at Real Madrid means playing under a lot of pressure. Joselu did his best during that time. But we all know that Real Madrid should have a better striker. We also know that Mbappe will join Real Madrid next season when he becomes a free agent and that's why Real Madrid didn't sign a striker. Real Madrid risked a season without a striker for Mbappe. Real Madrid are very lucky this season because Barcelona are not able to compete with them and Girona are very inexperienced.
Girona showing their strength, you comment about the incompetence and how are inexperience they're but still yet, they are competing with Real Madrid for the first position on the league table, that alone proofs they're in excellent shape to withstand whatever pressure coming their way. Aligning with your words, you seem 100% confident of the predictions regarding the movements of these players. As for the fact stated out, playing for Real Madrid is very much consider to be under pressure because Real Madrid is an elite club and they will want the very best from their players in all circumstances.
This season Girona plans are very mature and structured, have clear targets, are supported by all elements of the players and Michel has studied many of the opponents' strategies. So if you pay attention to each match, Girona enjoys their game, is able to appear calm and finish with the maximum score. In my opinion, Girona is worth watching since they were in La Liga in their first season, but most of us wouldn't notice, including myself, who don't think they are a threat. Now it is proven that La Liga had an unexpected candidate from the start, just imagine no one expected Girona to come this far.

Bayern Munich is about to lose their superstar paler and it's a piece of bad news for this team especially when we know they should they are in the situation in which they are racing with Leverkusen and losing any power and their players will definitely damage the team.
Joshua Kimmich had some offers from other teams but he didn't want to leave the team, but recently Joshua Kimmich was unhappy at Bayern Munich because not get enough support from this team and that's why Joshua Kimmich is even about to leave and thinking about his other offers.


I am quite curious about Bayern Munich regarding this player, because if one of the parties feels that Kimmich feels a little isolated or, more precisely, does not have support, of course Bayern will provide clarity. This club is in the hunt and I agree with you that the race with Leverkusen should put the internal problems between players behind them and return to their main goal in the Bundesliga. Then Kimmich emotional situation will definitely be uncomfortable, usually this will disrupt stability, we'll see the final decision because Bayern still really needs Kimmich services to finish this season optimally.
879  Economy / Gambling discussion / Re: La Liga (Spanish League) Prediction Thread 2023/24 on: January 11, 2024, 06:31:06 AM
amazing match between Atletico madrid and Real madrid in super cup. Yes, with the exchange of goals, it really becomes exciting and now we can see that Real Madrid and Atletico Madrid are really strong teams and of course Ancelotti succeeded in making a good strategy which finally produced results, namely victory for Real Madrid, of course Real Madrid felt satisfied because managed to score 5 goals against Atletico Madrid.

Yes, Barcelona's next match will be against Osasuna, of course I think Barcelona will have great potential to win against Osasuna because I personally see that their ranking in Laliga is certainly very different, and also if you look at their last 5 matches, of course Barcelona is superior because Barcelona managed to win 4 matches and 1 The same. However, in their last match in LaLiga, of course the resulting score was not much different because it resulted in a score of 1-2, so in this super cup semi-final match, I think Osasuna will appear confident. and I don't think Xavi will underestimate Osasuna because Osasuna is the 2022-2023 Copa del Rey runner up. I can't wait to watch the match.
This is what Madrid should be wary of. When they have found the ideal composition the performance that we are really looking forward to can create a feeling of enthusiasm to get up, attack, beat the opponent until the last minute. I think Atletico Madrid will learn a lot from this match because Madrid showed a scary game. We are very entertained satisfied and amazed  to see how Ancelotti has full confidence in his players to turn things around. In this match both teams played well  because from the start of the first half the tension of the game immediately started buying and selling attacks.

Barcelona is also expected to win the match because Osasuna is in quite bad condition, but it is possible that if Osasuna players succeed in qualifying, it will be the only ticket to be able to fix the problems within the team. Unfortunately we want to see Barcelona qualify and at the top of the Final, the 2 big teams who have long been competing to show who is the best this season will win the trophy.
880  Economy / Speculation / Re: Buy the DIP, and HODL! on: January 10, 2024, 02:53:16 PM
Of the 5 out of 10 people who are  able to make decisions the age range  is between 20-30 years. Meanwhile parents feel that storing assets in a risky place cannot guarantee that one day they will be accessed and they need to have someone  they trust to manage them.

I don't know how you might have talked and explained to people that they had to end up clearly defining it as being risky and avoidable to investing. These were all what we conceived at the very beginning of our Bitcoin journey, forgetting that those risks can be well managed. I think the first step to make them find interest in Bitcoin is by spreading the knowledge first not just tying to convince them into buying at first, most humans are hard to convince except you provide well detailed information of how they can overcome the risk, everything we do is sorrounded by risk and so Bitcoin is not exempted.
You need to understand more deeply the differences in understanding between parents and young people who are able to think creatively when storing their assets safely along with the seeds of recovery. Because we are talking about investments where your assets have to be withdrawn from the exchange to a cold wallet. So I will focus on the 10 people mentioned above, including parents with varying  levels of understanding. So I will not force them to make a decision based on anyone's pressure. Investment is about choices  so you can't dictate to anyone. Furthermore the information I convey certainly does not  necessarily go straight to the core investment points  because we  have material with a customized method of delivery to the audience. It has become a technique if you understand Bitcoin then to convey it to other people it is necessary to use  language they understand as simply as possible by making comparison examples with everyday  life that they often encounter. Portions with their respective levels.

Talking about risks, for older people what I get most is that they want to get investment guarantees for retirement, for health and inheritance guarantees. Even though for me Bitcoin could be a solution, because they don't have anyone close to them  who understands investing  in Bitcoin and tend not to give trust to other parties, they choose to think for a moment. The old man is not far from being forgetful, risking storing  the seeds of recovery in random places etc.
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