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1  Economy / Economics / Re: Growing Up in an Inflation World: A Teenager’s Challenge on: December 09, 2025, 09:25:07 AM
In many countries, teenagers don’t need to rely fully on their parents to afford basic needs. Instead of teaching us how the system truly works and how we can start earning early by learning skills, many parents believe education alone is enough even when the cost of living keeps climbing.
With a high rate of unemployment in some countries, school degrees can no longer guarantee a job after graduation. Many parents are encouraging their children to learn alternative skills even as they go to school. As a teenager, you shouldn't wait for your parents to do everything for you. You can learn several skills online and you will get their support.     

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Take phones as an example. The average teenager can barely afford a brand-new device in Nigeria today because of high inflation. Even older models that used to be cheap are now expensive.

Inflation may be something we can’t control, but learning skills early and understanding how the economy works can help teenagers adapt and survive.
When I see how desperate young children are to own phones, I begin to wonder what they need them for. Some of them want phones just for entertainment. I am sure parents will get any device for a child if it is needed for something productive.

Inflation is here to stay. Young people should focus on learning skills or studing course that offer oppurtunities to earn high pay. They should also acquire more than one skill that would help them get more than one sources of income. 
2  Bitcoin / Bitcoin Discussion / Re: Crypto Changed My Life during COVID! Sharing My Wins on: December 09, 2025, 08:57:40 AM
I almost hit my first million pesos (approx $18k) during that period, if not for the slow collapse of many coins and the fact that my dad got sick so I ended up using most of the money I saved.
Your dad would be proud of you for saving his life. Experience is the best teacher. Now you know that having an emergency fund is essential. Also, diversifying into Bitcoin after profiting from altcoins is a good idea.

P2P trading isn’t as enjoyable anymore, so I decided to use my capital to buy and hold altcoins, ETH, and Bitcoin as long-term investments.
I hope you carefully chose the altcoins you are keeping? Some of them easily lose value making hodling them very risky. Bitcoi has proved to be more relaible fo over a decade now. 
3  Economy / Gambling discussion / Re: Does prayers really work in gambling? on: December 09, 2025, 08:23:08 AM
In my opinion, that's a very foolish act because it won't work. From my perspective, praying for money through activities that are considered unethical and inappropriate, as most religions forbid or consider gambling a sin, and I don't think it will work.
Gambling can ruin your finances and can also potentially become an addiction, which will only make things worse, and I think it's very contradictory. So, it's better not to do it because it won't work. And you'll still lose if it's not for your luck, and the question is, when you keep praying and keep losing, will you blame your prayers and God for not giving you victory? Grin
Some religions don't forbid gambling. I have attended a religious celebration where one of the major programmes is gambling. Funds realised from the gambling activities are used to fund the church project and for charity. 

Not only gambling, but any activity or behavior could also ruin your life if not put under control. Food, alcohol, movies, games, etc, should be done moderately to avoid addiction. Some people assume that prayers could trigger luck; it might be true or wrong. It becomes foolishness when you only pray and don't do your own part.     
4  Economy / Gambling discussion / Re: La Liga (Spanish League) Prediction Thread 2025/26 on: December 09, 2025, 07:50:03 AM
The ref did what he felt was correct and from all that happened it wasn't the fault of the ref that caused them the game, right from the beginning you see how poor Madrid played, things they're suppose to do when they face a side that would give them problem was never made, go all out on a counter whenever they get an opening, something like that same energy they used against Barcelona it would have helped and knowing how stubborn Celta is should have made them to come prepared no matter the number of injured players they have. Now who are they going to blame since they lost that opportunity to get something in this game? Their next game will be similar to this very game.
It became obvious that Alejandro Quintero Gonzalez lost control of the game at some point. Fran García's two yellow cards and Endrick's red card are justifiable. Álvaro Carreras' second yellow card, which came because he told the referee, "You are terrible," should have been overlooked. The match is already tense enough that an experienced official would have calmed it down by overlooking some actions.

Another blunder was booking Jude Bellingham for coming into the game without permission after he went outside the pitch to clean blood from an injury. But it was discovered that the fourth official granted him the authorization to come into the game. The referee deserved to be cautioned for his loss of control.  
5  Economy / Trading Discussion / Re: Polymarket+Bot(My trading story) on: December 09, 2025, 05:42:28 AM
It's a long story, but I ended up promoting a polymarket.
I went ahead and built my own fully automated bot:
every cycle it opens and closes trades, sets stops and takes, and has been running without interruption for a few months already. The win rate is about the same ~70%, but I had to go through roughly six different strategies before I found something that actually works on a long distance.
They also promoted a trading bot that gives a 70% win rate. When people claim that bots are reliable, I don't believe it. Humans are better traders than machines.   

When it comes to crypto, it’s basically 50/50 with a 15-minute window. But things like expected value, take profits and stop losses still work there, and you can both lose the whole amount or make good money, so this format really suited me. The main thing is to take everything into account, because the chart itself is very similar to a real market.
There is no difference between your explanation now and gambling. The outcome of trading altcoins depends more on luck than knowledge. Most altcoins are pump and dump, so it takes luck to profit from them.   
6  Bitcoin / Bitcoin Discussion / Re: Bitcoin as a Christmas Gift? What do you think? on: December 09, 2025, 05:16:54 AM
Honestly, for me, I think it’s pretty cool that crypto is finally becoming a “normal” holiday gift. For years it felt super niche, and now younger people actually see it as something fun and meaningful to receive. Even if not everyone’s on board yet, the fact that almost half of Gen Z is excited about it shows how much the space has matured. Plus, gifting crypto is way easier (and way more interesting) than another pair of socks.
A gift is special if it is cherished by the receiver. If there is a relative or friend who desires to own Bitcoin, this idea is wonderful. They will end up appreciating the gifted Bitcoin because they have the desire to own it. It will be better to offer another gift if the person is not interested in Bitcoin and has no knowledge of how to keep it safe. Bitcoin is receiving massive adoption, yet some young people are not interested at all.

The beauty of this gift is that if the receiver keeps Bitcoin for a long time and make a good profit. Another benefit of such a gift is that it could ignite the person's interest in learning more about Bitcoin and accumulating the coin.
7  Economy / Gambling discussion / Re: Germany League - Bundesliga Prediction Thread on: December 08, 2025, 01:10:55 PM
The goals that Harry Kane has scored so far shows that if he stays longer in Bayern Munich he's going to equal the goals he scored for Tottenham within a short period of his stay with Munich. Kane is not stopping soon and since he is not injured we should be expecting more goals from him even in the champions League which should be their target now after dominating the German league. Winning the champions League is going to be a good achievement for them and Harry Kane will be happy to lift his first UCL trophy if that happens.
Harry Kane scored 280 goals in 435 games for Tothenham. He has scored 113 goals for the German side in 118 appearances. You sre right,  he is scoring more goals in few games in Bayern Munich. I was among the fans that had doubt that the English striker would flourish in German league. English players struggle to make much impact outside the EPL. Kane has performed far above expectations and his only impediment to achieving more is his age. He is 32 and may not continue in this form except he has thesame strength like Messi ans Ronaldo.
8  Economy / Gambling discussion / Re: Does prayers really work in gambling? on: December 08, 2025, 11:05:59 AM
However that single act of his has kept me wondering if really prayers can possibly affect positively or influence gambling activities in one's favour? So what's your take, do you think or believe prayers has a significant role to play in a bet or is not possible and shouldn't be given a trial.
Everyone knows what works for them. Religious people believe they can pray about everything and receive answers. In some religions, gambling is not a sin, which gives them the right standing to offer prayers for divine guidance and favour. I am not against anyone who wants to seek divine help before placing a bet, my reservation will be if they rely solely on prayers. You cannot substitute prayers for skills, research and analysis. Gambling is not forbidden by my religion, so I might decide to pray about my games. Nevertheless, prayer will not take the place of due diligence.
9  Economy / Speculation / Re: BTC will never to break 120$ before the next halving! Share your opinion.... on: December 08, 2025, 10:41:08 AM
The times from 2017-2023 are different from the time now. Don't forget that itcoin beat its $69k ATH before the 2024 shelving in April due to the ETF trading demand. There are certain things that are constant with Bitcoin, but Bitcoin is not static. The volatility goes both ways. The same way it can go down is the same way it can go up.
There are no certainties when it comes to the bitcoin price. You might be right, I doubt it, but you might be right, and you might still be wrong. We should know better by now.

I believe Bitcoin will get a new ATH before the next halving, except we have another FTX kind of saga. If all things stay constant, we will see another ATH. Bitcoin dropped about 30% and still made its way back to $90k. I don't think $120k is impossible for it.
The bull run started earlier than predicted because of the SEC approval of the ETF that led to so much hype. So it is possible that it would also end earlier than expected. Anyway, my expectation was that Bitcoin would have hit $150k before the end of the year. But the tariff wars, regional conflict and the US government lockdown affected the growth of the global economy. The trade war forced investors to move funds to safe-haven assets, which affected the crypto market.

We don't need to have a major setback like a big exchange going bankrupt or experiencing a hack to limit Bitcoin price growth. Another tariff war between China and the US will limit Bitcoin's chance of hitting another ATH.
10  Economy / Economics / Re: Everything you wanted to know about Bitcoin Strategic Reserve on: December 08, 2025, 09:49:35 AM
I saw an interesting news, where different countries are collecting Bitcoin and accepting Bitcoin as a strategic reserve for the country. But PSG is a football club, this football club is holding Bitcoin, it is certainly interesting that PSG is very different from the unique powerful football team because they have gained the most popularity in the country because of holding Bitcoin. PSG team is now not only known as a football team, it will also become the most known Bitcoin holding club in the country, and this PSG club plays the biggest role in spreading the news about Bitcoin among the fans.
This news is not recent since it was announced during the Bitcoin 2025 conference in Las Vegas in May. This is good for Bitcoin awareness since the club has close to 550 million fans globally. The good part about the fan base is that 80% of them are below 34 years, which is an attractive age for Bitcoin adoption. It's great to see one of the world's largest football clubs implementing a long-term Bitcoin investment plan.
11  Economy / Gambling discussion / Re: Corruption in national lotteries on: December 06, 2025, 12:34:01 PM
This sparked a huge debate in Greece. Could state monopoly lottery results be faked? And if yes, what should be the ramifications? State lotteries are to many people the most trusted form of gambling still.
Corrupt individuals can do everything possible to cover up. They don't mind destroying the reputation of an establishment just to legitimise a fraudulent activity. These findings have destroyed the goodwill of the Greek lottery that took so many years to build. Many people might begin to avoid betting on the lottery since there is a general perception that results might be rigged. It's so disappointing that people in government defraud citizens they took an oath to protect.
12  Other / Beginners & Help / Re: Why Danylo K. (21) was tortured and burned to death on: December 06, 2025, 12:04:24 PM
Well, it could probably be because they know he’s into crypto through some means and since he’s from a wealthy background just as the news claimed “the son of the deputy mayor of the Ukrainian city of Kharkiv” then it shouldn’t be that hard to tell he would definitely hold some tangible amount even if he doesn’t declare it anywhere. The killing part is brutal though, I hope those guys face some real consequences too.

The message still stands anyway… “privacy is important”, learn to keep one.
The two arrested suspects are Ukrainian, which means they might have information about the victims. Emptying all the money in his crypto wallet shows that they know he owns crypto. I also suspect they killed him because he might have recognised his attackers. This could also be politically motivated seeing that the victim's father is a deputy Mayor of a city in Ukraine. Torturing and finally burning him alive shows how wicked humans can be.

 It's another example of the risk of exposing your financial matters to the public or even friends and family. Financial matters should be private; people could go to great lengths to make money.

13  Bitcoin / Bitcoin Discussion / Re: When emergency hits. Will you sell your bitcoin or borrow and keep holding? on: December 06, 2025, 09:54:43 AM
Hello everybody, I have one big question to ask that I think many people face which is, we always hear people say here and on other platforms ‘you should never sell your bitcoin’ and HODL it forever but I don’t think it is applicable in real life because god forbid an emergency can come up with you like one’s child can get critically sick and the hospital bills are too high or you lose your main job and does not know what and where next to go for a rescue. At that kind of moment, what would you really do? Are you going to sell some part of your bitcoin to solve the problem or are you going to borrow from the bank or friends and keep your bitcoin because the price will go up later?
If the market is down, selling Bitcoin might lead to losses. An interest-free loan would be my first option if it is available. A low-interest loan might also be considered if possible. Life is more important than money; if selling Bitcoin is the last option, so be it. There will always be time to accumulate more. Situations like this might come up, that's why it is essential to have sufficient emergency funds in fiat.

If you lose your main job, you can always do side jobs like work as an Uber/taxi driver, work in food delivery, parcel delivery or in the worst case, work on construction. There is always a job to do and if you are not lazy, you'll always be able to feed yourself and won't spend your savings. I've noticed that many people want to only work good jobs and are willing to wait for months and years for such job while the time they waste gives them zero income. Btw some people can manage to not work for years but that has never been an option for me, so I have an allergy when someone says that there aren't jobs.
In some countries, these jobs you mentioned might not always be available. Some people might not be able to engage in some jobs due to health or other problems. However, it is unwise to keep selecting jobs when you have fewer options and need money to sustain yourself and family. Take any available job and keep anticipating a better one.  
14  Economy / Gambling discussion / Re: FIFA World Cup 2026 :Canada/Mexico/United States: Discussion Thread on: December 06, 2025, 09:14:28 AM
No matter how hard Neymar tries and wants to be in the world cup, I think he should not be called up. The reason is not about talent, of course he is very talented, but the reason is that he usually ends up with injuries every single time, and this dude needs a rest already.

He didn't have much time to rest because he was either injured or playing every single day of his career, and when you are injured, you do not just sit at home watching tv, I mean sure you do that too, but there are trainings involved. I think a few weeks where he just rests at home and does nothing is perfect for him, could make him come back a lot better. But I also know Neymar would want to go no matter what condition he is in.
Neymar still has the chance of going to the World Cup based on Carlo Ancelotti's response when he was questioned. This was part of his response
Quote
If Neymar deserves to be there, if he’s doing well, if he’s better than someone else, he will play in the World Cup, period.

The Italian coach made it clear that Neymar would have to prove to him that he deserves to be in the World Cup squad. This shows that the door is not shut on the Santos striker, let him be fit and show that he would add value to the team. No coach will want to bring in a liability to his team.   
15  Economy / Gambling discussion / Re: Is this statement right for sport bettors with near accurate results on: December 05, 2025, 07:19:37 AM
Betting consistently, with expected winning, even though you witnessed a few loses at early stage.

Or quiting once you notice an opposites results as against your expectations, to some consistent betting when at a losing stride is bad gambling behavior, but what do you think?
The number of wins or losses should not determine when you continue or quit. You decide to stop betting when you have reached your target for the day or section. In gambling, your expectations should determine how long you gamble. Let your budget be your guide. I will sign out or continue not because I experienced losses or wins, but because I have reached my limit. Some gamblers keep gambling because of a long winning streak and they end up losing all they have gained.  
16  Economy / Speculation / Re: Those who put small money into crypto, take out big money and vice versa on: December 05, 2025, 06:55:27 AM
The rule "Those who put small money (or nothing) into crypto, take out big money - those who put big money into crypto, take out small money (or nothing)" seems to be true both objectively - because it is much easier to invest small amounts due to market illiquidity, and subjectively - because the person who have put the great proportion of his wealth (or even borrowed money) into crypto is often forced to sell in bad times.

What do you think ?
You should give an example to portray your observations. This is the opposite of what happens in the crypto market. Investing more money entitles you to high returns if the market is profitable. You will also lose more if the opposite is the case. Institutions like Strategy have made more money from Bitcoin than retail investors like you and me. Do your research properly and stop this misinformation. 

Those who are selling in bad times and are only forced to do that, are doing the wrong thing. They have no clear path of plans for how long they're going to hold.

Also, they have bad choices of what they've bought. If they did bought Bitcoin, that's not going to happen to them if they're patient.

Well, being patient in general is going to save them from those frustrating sell offs because it stops them from panicking.
Having backup or emergency funds is essential if one wants to invest in the crypto market. The market is volatile; there is a need to make provision for uncertainty. Anyone who cannot be patient should not invest in cryptocurrencies. 
17  Economy / Gambling discussion / Re: Casinos Incentivize You to Climb “Tiers” on: December 05, 2025, 06:12:13 AM
We all know that most casinos have VIP levels like;

- Bronze
- Silver
- Gold

And other tiers.

Do you think though that this is a trap? As this creates a psychological trap, what I mean is that you might think of I'm already close to the next tier, so let me play more and obviously house edge will catch up on you and you lose more money.

You guys fall for this trick of playing more to achieved this so called VIP level?
I might not be correct, VIP status doesn't have any house edge advantage.

Climbing the VIP level has some privileges, like special bonuses, increased deposit and withdrawal limits. These benefits might be motivating people to attain higher ranks. I heard from someone that he wants to become a VIP because he wants to be invited to the casino's special events.

Only high rollers will have such ambition to climb the VIP ladder. I didn't spend much on gambling, hence I would easily overcome such trick or trap.     
18  Bitcoin / Bitcoin Discussion / Re: close the company or adapt on: December 05, 2025, 05:38:43 AM
it makes me think of how many companies are being pressured now to open their businesses for crypto or else they will shut down because crypto has become a competitive edge among the industry and if you don’t adapt, you’ll be left behind
Businesses can be forced to accept crypto if the country has made Bitcoin a legal tender. Refusal can attract sanctions, as in the case of El Salvador. Until the country relaxed its legal tender laws due to IMF pressure, refusal to accept Bitcoin was against the law.

Accepting crypto should not be forced on businesses because they might have genuine reasons for not adopting it. Making it an optional or alternative legal tender is ideal.     
19  Bitcoin / Bitcoin Discussion / Re: Will banks become obsolete in the crypto future? on: December 04, 2025, 07:40:17 AM
✔ Will banks slowly lose their power?
✔ Or will they evolve and stay essential in the future?
Curious to hear different perspectives from the community
The global economy depends heavily on fiat. Crypto is becoming popular and adoption is increasing, this cannot be seen as a sign of overpowering the fiat system. We cannot predict what the future holds; nevertheless, from my prediction, the crypto system will keep serving as an alternative to the fiat system.

Some banks have started offering crypto services to satisfy some customers. Banks are in business; they keep diversifying into different areas to gain more profit. So they will always evolve by tapping into new opportunities.
20  Economy / Gambling discussion / Re: Is casino regulation even worth it? on: December 04, 2025, 06:49:12 AM
Is this not selfish?
I have also been an advocate of gambling regulation because I want underage and vulnerable people to be protected from manipulative promotions. There is a need to seek measures that reduce child gambling and seek means to shield people with poor mental conditions.

Nevertheless, the point you have raised is important. If government agencies are only interested in making money from gambling establishments,.regulation is useless. The main function of these regulators should not be money but protecting citizens from sharp practices exhibited by some casinos. If they cannot fight for gamblers,  there is no need for regulation.
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