I have been a crypto enthusiast for some time now,thou I have lacked consistentency,but over the years I have seen people who have carved out good lives for themselves with crypto,either by direct or indirect investment.,as a result I wish to invest in crypto with cash,but with minimal knowledge,so I seek the help of this house in advise on which crypto to invest in currently as someone who is just getting to learn about crypto currency.

With the marketcap of crypto at near 2.5 trillion now..and I think that doesn't include NFTs right?
There is a lot of saturation but I am sure there are good projects launching.

Which crypto projects new ICOs or existing you are excited about? 

Any NFTs you like or ways of evaluating NFTs that you personally use?

How do you stay on top of the newest things launching and hearing about them?

I have heard good things about Terra and Arbitrum. Cheers thanks guys

Hello i just want to ask if i you guys also notice when the bitcoin rise there are also a lot of new projects come out and if bitcoin fall there are only few projects build, is it because some projects developer notice that most of the successful projects are build in bull market and most of the projects build on bear market are failed? Or they don't care about bull and bear market and they build thier project because the time is already been set?

In my country presently, we know how important cash has become, the government decide to renew our Fiat currency and it's not in circulation yet, for some reasons, some people believe that it was intentional because they don't want some bad actors to use Fiat to rig the ongoing election in the country.

But since all this mess have started, many people are suffering, and I as a person have no hold the new fiat Note because I can't get a hold of one yet, and just because many stores prefer Cash than digital transfer, this have make me see how important Fiat currency can be.

Some people will say that Fiat is trash and they keep all their money in stable coins, the truth of this is you are doing things wrong, the stable coins in crypto space are backed by nothing, they can vanish into thin air if the government doesn't want stable coins to exists.

I believe that all stable coins are easier to trample on by the government, more than other crypto projects in this space, Fiat has it's usefulness, let's stop deceiving ourselves, the first time I ever purchased Bitcoin I use Fiat and I believe this is the same as everybody on here, unless you mine your own Bitcoin or get paid in Bitcoin working online.

Do not trash Fiat yourself when it's actually needy, crypto and Fiat must co-exists until the government decide to go digital with Fiat themselves, and Fiat is not trash.

Well, I have to clarify that personally I have never had any loan or debt in my life so this thread has nothing to do with my experience but intends to find out how people in loan/debt deal with the problem. Let's say you take loans from a bank and sometimes for whatever reason, you can not pay the debt on time, then you borrow money from other channels. Sure this works for a certain period but later bad things may happen, you have to postpone the payment and struggle with finances again. Isn't this a vicious circle ? How would you deal with the problem ? I am all ears.

Is good to plan, don't live your life on a plata of Gold. The first time I had bulk money was during my higher institution days, as a student we know and hear too many things but only few chose to do something, opportunity of MMM, crypto currency and Achievers forum sorry mentioning them here came to me in school and I grasps it and as God may have it, I make a lot of money but the first thing that came to my mind was to buy car, I bought two cars, place one as a taxi and one private use as school big boy but non of this happen to play out well.

The Taxi cab had an accident and piece in bits and I sold it out auction price, same thing happen to the one I was using in school and it was a tragedy scenes, it was sold as Scrabs. I used the remaining money to live extravagant lifestyles, going out with friends, carrying girls to where we can't ordinarily afford bills, buying wears we don't need, gadgets and accessories we don't match our income or status but all this turn out against me. I lost almost everything, for two years after my school I could afford a dime, no job, no source income, I have nothing in my bitcoin wallets, life balls back to zero level.

Today I can boastfully said this not to impress you or give you a plan but is good to plan your life, know what you want per time, avoid impulse buying, avoid competition, avoid extravagant lifestyle, have a routine, draw your scale of preference, learn forgone alternative principles. Life on earth is short if you can't get it right, and life is hell if you're not living it right.

Recently bank like Credit Suisse and Silicon Valley bank are collapsing. People are switching their money to bitcoin. Is it the sign that more people are no longer trusting the bank and are moving toward to decentralized world?

Risk is something that definitely exists, and every easy thing also has its own conditions in it so that everyone who takes a loan needs to understand and comply with the rules so that they avoid risks they don't want. And if someone needs a loan and can use their personal identity card for that, then don't think too much about the benefits that can be obtained by those who serve you in providing loans. Because lenders are always aiming for profits through the services they provide.

If you're young and haven't inherited a property from your ancestors, chances are that you're forced to rent. Personally, I've been renting for over 6 years and have been living with my girlfriend for the last 4, sharing rent and utilities. Overall, we've both spent over €25,000 together, and after spending all this money, you're practically left with nothing and may be subject to looking for a new house at any moment.

The average rent for a one-bedroom apartment is between €300 and €400 at best; thus, I was thinking that taking a loan is as costly as paying rent per month, but after 15-20 years, you end up with a house. My main concerns are the following: First, if you're in a long-term relationship like myself, you can never be 100% sure that you'll be with that person in 20 or 30 years from now, which might prevent you from opting for a loan. Secondly, you need to be certain that the location or city of the property to be bought is convenient for future job offers and so on. Thirdly, because a loan is a many-year commitment, there's no guarantee that you'll be able to afford the monthly payment 15 years from now.

On top of that, finding the ideal house as a renter is almost impossible; there's a lack of housing, and rents are extremely expensive and unreasonable at the same time. We had a difficult time finding a house recently, and it's far from ideal. There is now a new government-funded loan program that is about to start, funding up to 75% of the loan interest-free while the rest is funded by private banks and is subject to a relatively low interest rate. This led me to think about taking a loan and purchasing an average two-bedroom apartment, but I have the concerns that I voiced earlier.

The founder of Tesla and SpaceX, Elon Musk, again stirred up the cryptocurrency market on Friday, leaving a seemingly harmless message about his new dog.

He said that he chose a nickname for his Shiba Inu puppy. His name will be Floki. In early May, Elon Musk first announced that he intends to take a Shiba Inu puppy. Then the cost of the Shiba Inu cryptocurrency increased by 68% in an hour.

After Friday's announcement by Musk, the Shiba Inu exchange rate increased by 26%, but later corrected. However, another thing is more interesting: 9 minutes after the appearance of Musk's post on Twitter, the Floki token was created on the decentralized Uniswap crypto exchange. Within an hour, its price increased by 795%, to $0.000000001100. As a result, the growth was about 3500%.

Do you think this is another attempt to influence the crypto market? Will the project be eco-friendly, because in the case of chia, everything was not so positive? There are already green projects on the market, for example, Crypton , for mining which only needs Internet access and a PC.

Is all the excitement around the project really a hype? Like chiahype and etc.?

second is very important, highly educated is also necessary.  So, it can be concluded that knowledge is very important in business because it can help entrepreneurs make better decisions, improve operating efficiency, avoid costly mistakes, increase credibility, and maximize profits.  If theory without hard work will also fail, so in my opinion the two complement each other.

I wonder if higher education will help for entrepreneurship?
I am more interested in how much theory will help in this, because during a long study we do not get practice, this will be possible only when we start doing business, until that moment we will not be able to know how much it will help us.

This can help us if we need a license, but in some cases it can be obtained without a higher education.

Statistically, 95% of entrepreneurs have a bachelor's degree or higher and I wonder, for those of you who are involved in entrepreneurship, how useful was higher education for you?