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1  Economy / Economics / Re: Can everyone be business minded? on: Today at 09:39:12 AM
People talk about specific characteristics that makes a person fit for being a businessman but my question is, can everyone be a good businessman? Can everyone turn their mindset to one that is always business minded?

One of the characteristics of a good businessman is being able to take risks. For those who are always anxious, is building a business already out of the picture for them? or do they still have hope?

Probably because of the social media starting a business is just the thing that you need to start to when you want to be a millionaire or something I really thing that everyone can be a businessman if you just put everything on it and never give up, I mean almost everyone these days are already entrepreneur, and I thing everyone should be since selling something, starting your own company, sales is just the way in order to multiple your money.

There are always things to learn, and when it comes to business there are a lot of things as well that you need to learn or experience in order to do run it, and still even having experience and knowledge doesn't mean your going to be successful, meaning it include luck as well, and of course it still depend on you, I've seen a lot of people losing there business but not giving up starting all over again, probably 5 business until they hit the jackpot on there business and become billionaire.

I would say yes everyone can be a business minded and become a entrepreneur it is just a matter of mindset, are you optimistic? and you willing to do what it takes etc.
2  Economy / Services / Re: [OPEN]Changeum.io - Lightning-Fast Instant Crypto Exchange | Review Campaign on: October 01, 2025, 05:15:19 PM
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3  Local / Pilipinas / Re: Crypto taxes sa Pilipinas, nagde-declare ba kayo ng gains? on: September 30, 2025, 05:57:07 PM
Hindi ako aware dito since hindi naman siya nirerequied ng BIR to an extent so kumbaga makakalusot ka kung gusto mo, pwedeng hindi ka magbayad dahil hindi naman basta basta matatrack yung mga transactions na yun unless siguro sobrang laki ng kinikita mo dito sa cryptocurrency and madaling makita lalo na kung hindi pasok sa income mo ang pumapasok sa bank account mo, so pwedeng maquestion ng bank and pwede mong sabihin na galing sa trading yun etc.

Siguro wala namang magdedeclare ng crypto gains niya sa ngayon sa BIR dahil matataxan ka nga naman, hindi naman mahigpit alam naten yan.

Unang una hindi naman kalakihan ang kinikita naten or gains naten dito meron sigurong iba na malaki pero hindi naman lahat tayo ganoon, hindi malinaw ang rules pagdating sa cryptocurrency more on kopya lang ito sa ibang bansa so more on assume lang madalas tayo na bawal ito may tax etc.

Sa tingin ko sa ngayon hindi pa dapat ito pagusapan dahil hindi pa naman ganoon ka gamit ang cryptocurrency dito sa bansa naten, madalas mga investors lang kaya hindi malinaw ang mga rules, kung lalagyan ng tax ang mga user sa isang exchange wala ng gagamit lalo ng mga exchange nayan, pero to some extent naman nagbabayad pa rin naman tayo ng tax kapag gumagamit tayo ng mga exchange since legitimate naman ung ibang exchanger dito sa bansa naten, and sila na mismo ang nagdedeclare ng profit and kumikita sila, so parang nagbabayad na rin tayo dahil tayo din naman ang nagbabayad ng fees o tayo ang dahilan kung bat sila kumikita.
4  Bitcoin / Bitcoin Discussion / Re: Do you consider bitcoin as a currency or as a digital investment asset on: September 30, 2025, 10:02:40 AM
Lately I have been thinking……..what do people nowadays consider bitcoin to be: as a digital asset for storing value and investment or as a currency which was the initial purpose of its creation.

I did a bit research and found out that the perception of bitcoin vary among different individuals.some consider bitcoin as an investment asset, other consider it as a currency and some people consider it as a revolutionary financial tool.
The majority of people consider bitcoin as an investment asset and they Hodl their coins for a long run. The other who consider it a currency keep it for their transactions and some business also accept Bitcoin as a means of payment.



Open thread: What is your type of perception about bitcoin; do you consider it as a currency or as an investment asset or both?

There are people that look at Bitcoin as a investment that is something that is going to give them some kind of return since the market is skyrocketing in the past years, but at the same time In my years of investing I encounter some people and even heard a lot of them people that doesn't even consider cryptocurrency like Bitcoin as a investment since it is the riskiest of all of the investment the you could do. Don't get me wrong this people where probably just conservative and not risking there money on something that they is not statistically going to give return, as we all know cryptocurrency is probably the most volatile investment that you could make. They where more like invest on 401K, invest on mutual funds kind of guy that is going to make you financially free and debt free, if you are familiar, I listen to some of the Dave Ramsey shows.

Personally, I consider bitcoin as a investment since from the very start it is all about investment because the market just keep on increasing its market price, and I make a lot of profit on it personally, but as a currency it is a digital currency but it wasn't really use as a digital currency because of its volatile market price, I already make some kind of topic in the past about it, where Bitcoin is not yet ready to something or become a digital currency that everybody is going to use but technically you could use Bitcoin to pay someone but it just wasn't convenience enough like cash or digital banks. So I think Bitcoin is the best for now if you are going to look at it as a investment and make profit on it.

5  Economy / Economics / Re: Why are majority of people really poor? on: September 29, 2025, 09:56:35 AM
Most of the common reason is lack of knowledge and wrong mindset, I mean we can say that majority of the people stay poor just because they have the poor mindset, spending everywhere and not really thinking about there financial or thinking on how they are going to become financially free on there life.

I mean from the very start there was no actual school that teach about our finances, so most of the people need to learn it by there own and that's probably why there are a lot of people that get trap in the rat race because from the very start they are already program or think that they need start working after they graduated to something like a corporate company in order to survive and from that it is just a matter of survival. There are a lot of hard working people that work so hard but cannot get out of the game just because they don't have the knowledge, so In my opinion what we really needed here is some kind of school that teaches finances in order to teach people how to handle there finances.
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8  Other / Beginners & Help / Re: Malware stealing crypto on: September 27, 2025, 11:02:23 AM
Lately i have read lots of news having lots of variants of malware being release, from just a software having malware in it, to messenger, telegram discord, stealing credentials, before its only data now its the money straight from wallets with funds, browser, reading some malware are just being rented as a service and then using by bad people, having percentage of the loot they get, we are now dealing with this kind of attacks that is more of a pandemic in digital world.
What are you're thoughts about it? are we gonna seeing more of this in the near future?

I read an article where the crypto account was hack because he was trick to download a steam games, which is verified games by steam, and as i remember the stolen around was around 130k$ something like that. In terms of malware, viruses etc. there are a lot of new one and hackers and inventing new ways as well of how they are going to get that access on our computer, all the hackers need is to have access on our computer and then they could probably easily access all of your account on your computer and drain all of your account completely.

There was no actual way around it since there are new methods every time so you just need to be aware of it, and know how you are going to protect your self or know how your computer security works, as long as you know it its not going to be easy to be hacked, I mean its not really that easy that's why most of the time people that don't have any idea or doesn't have any knowledge is the one that mostly get hacked.

Most of the time all you need to remember is don't click any links that you don't know, don't download anything that you don't really know, and also don't easy be fooled by the emails, there are mostly links on emails.
9  Local / Pilipinas / Re: Stablecoins vs. credit cards alin pipiliin nyo jan? on: September 27, 2025, 10:17:13 AM
Parehong magkaiba ang gamit kaya pareho ko din itong ginagamit sa magkaibang paraan, stablecoins ginagamit ko din itong investment since mataas ang interest rate niya sa mga exchange, syempre hindi malaki ang imbak dahil nasa exchange pero tumutubo pa rin ito, pero ang pinakagamit talaga neto sa akin ay parang cash ng iyong mga cryptocurrency kung gusto mong magbuy and sell pwede mong isell sa USDT something like that para hindi maapektuhan ng market ang pera mo.

Sa credit card naman usually ginagamit ko sa mga bills, grocery, etc. pero hinihiwalay ko ang pera sa cryptocurrency at sa trabaho ko, then bayad din agad para hindi magkaroon ng interest or penalties. And pagdating sa payments masmagagamit mo ang Credit cards mo kaysa sa USDT, malamang walang store na tumatanggap ng stablecoins as payment, meron siguro sa mga online stores pero iilan ilan lamang ito.

Parehong useful and pareho ko itong pipiliin.
10  Local / Pilipinas / Re: BSP ₱500k withdrawal rule, laban ba talaga sa corruption? on: September 24, 2025, 11:00:31 AM
Wala namang tulong sa corruption ang ginawa nila parang lalo pa ngang humirap para sa atin dahil lalong humigpit ang withdrawal limit, pero alam ko naman meron na talagang mga ganitong rule sa pagkakaalam ko sa Unionbank medjo mahigpit talaga sila.

Naalala ko dati may friend ako sa crypto na nagwithdraw ng malaking halaga and naging red flag siya sa bank kung bakit magwiwithdraw siya ng ganung kalaki and dati medjo hindi pa naman napaguusapan ang crypto noon kaya medjo red flag din sa banko lalo na uso ang mga money laundering sa cryptocurrency or pagsinabi mo na galing iyon sa cryptocurrency or Bitcoin investment.

Isa lang itong sa mga pakulo nila para masabi na may ginagawa sila kontra sa corruption kumbaga para lang may mapost sila na may ginagawa sila.
11  Local / Pilipinas / Re: Bitcoin Could Reach $200K by Q1 2026 Ano sa tingin nyo posible kaya? on: September 16, 2025, 11:09:01 AM
Base sa nakalap ko na balita ito daw ay mangyayari ngayong desyembre ngayong taon pero depende pa rin kasi yan sa pangkalahatan na istruktura ng crypto. Pero marami na din ang nagsabi na sa unang kwarter ng taong 2026 mangyayari yan. Pagka nagyari yan napakarami ang matutuwa at gaganda ang buhay. Pwede naman kasi talaga mangyari and pwede din na hindi kapag hindi pa handa si bitcoin na bumulusok sa ganyang halaga. Kayo ano sa palagay nyo? kasi 3 months na lang december na kaunting panahon na lang yan

Kumpara dati ay marami ng mga institusyon ang naginvest sa Bitcoin kaya hindi malabo na lumagpas na sa 200k$ ang presyo ng Bitcoin, ngunit para saken masyadong mataas na ang inakyat ng market and sa experience ko magkakaroon at magkakaroon talaga ng drop in the coming months, ang estimate ko dito sa October possible ma reach ang highest market price ng Bitcoin at pagkatapos dun ay maaaring bumagsak na ito, sariling analysis ko lang naman ito kaya yung mga nabili ko na Bitcoin noong around 45K$ parang ang presyo ay nagtakprofit na ako ng almost half na.

Ngunit for sure dahil na rin sa mga news like mga cryptocurrency reserve news ng ibat ibang bansa ay malaki ang pwedeng maging pagbabago ng galaw ng market naten, pero sobrang risky neto dahil kahit anong sabihin pa naten ay mabilis ang galaw ng presyo ng market so always take profit pa rin lalo na kapag ganito na mataas ang presyo, alalahanin naten na nakaraang mga buwan lamang ay sobrang laki ng kinaibahan ng presyo ng Bitcoin ngayon kaya possible magbago ito sa maikling panahon lang.
12  Local / Pilipinas / Re: Baguio Mayor plans to explore Blockchain technology on: September 15, 2025, 11:11:11 AM
With all the talks about government using blockchain technology, it looks like a Mayor from Baguio plans to explore blockchain technology. According sa article, plano ni Mayor Benjamin Magalong na gamitin ang blockchain para e secure ang "government documents, including financial records, infrastructure reports, and other technical data.". Basically, kaya gusto nya gawin to is to make his Governance in Baguio more transparent to the public.

source: https://bitpinas.com/regulation/baguio-blockchain/



Para saken maganda ito kung maiimplement naten itong blockchain sa gobyerno dahil nga naman nakapublic ang lahat ng mga transactions, so madaling matatrace ang mga transactions and malalaman agad naten kung mayroon mangcorruption na nangyayare pero ang kinakatakot ko lang talaga dito ay baka hindi din naman ito maging epektibo lalo na sa sitwasyon ng gobyerno naten ngayon.

Harap harapan na ang corruption dito sa bansa naten ang kinakatakot ko dito kahit na nakapublic na ang mga transaksyon ay harap harapan pa rin nila itong nanakawin at isisilamang sa iba, tulad nalang sa nangyari sa mga flood control projects, alam naman naten na hindi lang mga contractors ang may kasalanan jan maraming mga may posisyon ang kumukuha ng cut o sila na mismo ang nagbabayad upang makuha ang pera ng mga projects. Pero kahit ganun masmagiging mahirap pa rin sa kanila kung maiimplement ang blockchain technology sa gobyerno.
13  Local / Pilipinas / Re: Bitcoin new all-time High! on: May 27, 2025, 06:06:07 PM
Dont forget to take profit mga kabayan, sa mga susunod na buwan we could probably expect the peak of the market sa tingin ko mga October pero make sure to take profit kahit maliit kahit ngayon pa lang dahil for sure possible lagi ang corrections sa ganito ka taas ka market kaya ako nagsesell na ako agad kapag nahihit ang all time high ng small percentage ng mga investments ko. I could probably hold naman for long term but sa experience ko masmadaling maghold kapag may liquidity ka and nagtatake profit ka dahil hindi lahat ng portfolio mo ay naiipit.
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15  Local / Pilipinas / Re: Bansa nating kulelat sa pag adopt kay Bitcoin. on: May 21, 2025, 06:42:42 PM
Sa tingin ko naman normal na yan dahil lagi naman tayong hule pagdating sa mga bagay bagay sadjang mabagal lang talaga gumalaw ang gobyerno naten, and maraming mga walang kwentang bagay silang pinagtutuunan ng pansin kaysa dito. Sa tingin ko naman dahil bago pa ito sa ibang bansa at nagsisimula na ito sa kanila ay magkakaroon na rin naman ng idea ang gobyerno, sa tingin ko naman may ganitong plano na rin talaga sadjang hindi lang talaga ito mapagtuunan sa ngayon ng pansin.

Marahil siguro obserbasyon muna ang mangyayari sa ibang mga bansa, ganyan naman tayo halos lahat ng magagandang bagay na nagwork sa ibang bansa gagayahin naten yan, so possible na rin ang mga cryptocurrency na batas sa mga susunod pa na taon.
16  Local / Pilipinas / Re: Possible or Feasible ba ang solar electricity sa Bitcoin mining? on: May 20, 2025, 06:01:02 PM
Feasible naman ito i think, marami na akong nakikita ngayon na buong electricity nila ay solar electricity na or solar power na, and no problem na sila marami na ngang mga kompanya na nagooffer ng mga ganitong solar power electricity ang pagkakaalam ko halos 3-5 years din ang ROI bago nila mabawi ang investment nila sa kuryente pero, dahil mainit dito sa ating bansa sa tingin ko ay malaking technology talaga itong solar power sa bansa naten ang magiging isang magandang gamit ito lalo na sa Bitcoin mining.

Siguro sa electricity ay wala tayong magiging problem as long as makakapagharvest tayo ng solar energy, ang problema naman dito ay mainit ang lugar naten na sigurado kakailanganin naten ng cooling system sa mga mining sites dahil naglalabas yan ng matindin init, hindi tulad sa ibang mga bansa na sadjang malamig na talaga, sa palagay ko masokey ang ganoon lugar kaysa sa atin na sadjang mainit na. Kaya sa tingin ko maspipiliin ng mga malalaking miner na magmina sa malalamig na lugar na, kaya magsolar power at magmining dahil in the end of the day kailangan mo parin palamigin ang mga units.
17  Local / Pilipinas / Re: Isa na namang Bitcoin related scamming group sa Pinas (Cebu City) on: May 19, 2025, 06:31:34 PM
Actually, Sobrang popular ng ganitong scam scheme sa India since sila talaga pinaka malaking BPO bago pa unti2 na lumakas ang BPO sa atin.

Matagal ng gawain yan kahit sa ibang bansa na mangsscam gamit ang pagpapanggap na company popular jan yung mga bank credit cards and other subscriptions.

Sa tingin ko nga jan ay operated dn yan ng international syndicate tapos dito lang sa bansa natin dahil wala tayong death penalty.

tama ka jan madalas talaga sa India kahit yung ibang youtuber na ganito ang content madalas India ang mga scammers na gumagawa neto, actually kakanood ko lang netong video bago ko makita itong post na ito sa thread and nagulat din talaga ako na meron din pala neto dito sa bansa naten dahil sobrang obvious neto, and for sure alam nila sa sarili nila na scammer ang trabaho nila sa mga ganitong kompanya nakakagulat lang dahil sobrang laki ng kumpanya nila na parang mga grupo talaga sila, parang BPO lang.

Siguro ganito rin ang galawan nung mga scammer sa telegram, yung magpapalike lang ng shopee,lazada, temu page then sasahuran ka through gcash ng 120pesos then gagawin mo lang ang task mo after nun makakapayout ka kapag tuloy tuloy ang pasa mo ng task, syempre kikita ka sa simula at isesend talaga nila ang pera sa account mo sa gcash, pero after nun hihikayatin ka nila na maginvest kapag naginvest ka dun na makukuha ang pera mo, napaisip tuloy ako dahil yung mga nakakausap ko doon na scammer ay mga filipino din dahil marunong sila mag tagalog siguro ganito rin ang setup nila.

Nakakahiya lang dahil alam mong scammer ang trabaho, di ko maisip na may mga pilipino din pala na gagawa neto tapos mayroon pa silang employee of the month nakakatawa, siguro mukang palaki talaga ang bigayan sa kanila kapag nakascam sila.
18  Local / Pilipinas / Re: Kailan kaya tayo mag election through blockchain? on: May 18, 2025, 06:50:42 PM
Ito talaga ang kailangan naten para maiwasan ang mga dayaan kase kung titignan sobrang daling madaluto at sobrang daming problema ng election lalo na ang comelec sa pagdating sa technology, kung ganito ang magiging technology naten pagdating sa eleksyon sigurado na magiging maayos ang madaling maeexpose ang mga problema o dayaan sa eleksyon, pero for not mukang hindi naman naten nailangan dahil lantaran ang pandaraya sa botohan kahit sa ibang mga lugar napapanood naten online na literal na gumagamit ng dahas ang mga may kapangyarihan para lang manalo, may mga nabalitaan pa ako na binabaril kapag binoto mo ang kalaban ng isang makapangyarihang tao sa isang lugar. Kung titignan din naten ang mga ginagamit sa comelec ay sobrang outdated din talaga ito kumpara sa ibang mga bansa.
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54 - Asuspawer09

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