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1  Local / Politics and society (Naija) / Re: Balancing Financial security and Bitcoin Accumulation on: September 29, 2025, 05:53:11 PM
but if someone skips the step of building an emergency fund first, they could be forced to sell their Bitcoin
It's not a most that you are to build your emergency funds first before you can hodli your investment for long. Don't make it look as if emergency funds is the top priority of starting your bitcoin investment. Anyone that doesn't have an emergency funds but has a discretionary income should not wait to build his emergency funds first but should start his bitcoin investment right away.

Your emergency funds can be built when you have started your bitcoin investment simultaneously with your bitcoin investment, that doesn't mean that you will be hit with a real life emergency immediately you buy your first bitcoin. It's wrong to pile up fiat that has no instant use when you can simply put that money into bitcoin and build your portfolio for the future. It takes up to one year or more to build up an emergency funds of three months of your expenses, will you be waiting all this period as a no coiner.

That will be the wrong decision anyone that's just starting his bitcoin investment will make because you are a no coiner and you are still happy to remain as a no coiner for no reason when you can get the fuck out of the no coiner level first before anything. Delay is dangerous because bitcoin price and time waits for no one which is the main reason why buying bitcoin and building your bitcoin stash should be your first priority because it's an investment that has the capacity to multiple your funds overtime.

I hate whatever strategy that involves waiting because it can discourage you from starting immediately and limit the quantity of bitcoin that you are suppose to accumulate for your future.

The main point is that the money that a person has left after his expenses, if it is guaranteed to come regularly in same amount at same time  is called discretionary income and if there is no guaranteed  of its regular arrival at same amount it is called discretionary funds.
Discretionary income and discretionary funds means the same thing. What cash inflow that comes in your hand provided you did not borrow it or someone gave you to hold is called income.

Nice lesson! I like the fact that you spoke about automated savings, for emergency funds accumulation, because with manual savings alone somebody might go broke once, as things to spend on will always exist.
How to save? How much is your monthly income? Let's say your monthly income is 30000 Naira. Divide that salary into 3 parts. Give 1 part to your family, and 1 part to your children and buy furniture. You can keep the remaining 1 part for savings. If you keep it this way, you will see that one day the amount of Naira will be large, then you can withdraw that Naira and do something with it!
The poor remains poor because they save fiat in the bank and it loses its purchasing value overtime making it a wrong way to keep money. The rich invest into bitcoin or other investment that will generate profits for them overtime instead, of keeping it in the bank. Be wise an put your saving into bitcoin and safe the value of your money from depreciating due to inflation.
2  Economy / Gambling discussion / Re: Italian League Prediction Thread (Serie A) on: September 29, 2025, 05:19:15 PM
Parma vs Torino

25 minutes, zero shot and their total pass is half from Torino.

I think Parma isn't a poor team, they can afford to spent few million for a player, but I'm surprised they want to sign a coach without any experience. His statistic on Parma, 0 win from 4 match. I think Parma need to sack him ASAP otherwise they would enter relegation zone.
Parma have already taken the lead  on the 36th minutes of the match with a penalty kick from M. Pellegrino. The penalty was gotten due to a hand ball by Cyril Ngoge. Parma is on the lead and the first half is almost coming to an end. The match is on the 45th minutes with three added minutes.

Will Torino be able to equalize this goal before the half time whistle, I don't think that is possible despite the pressure that they are mounting on Parma defense. The first half has come to an end with a 1-0 lead from the host.
3  Bitcoin / Bitcoin Discussion / Re: Some Bitcoin questions I have for the OGs on: September 29, 2025, 03:05:33 PM

1. What are people using address prefix finder for?
Maybe, you are talking about the types of bitcoin address format. Legacy address is an old bitcoin address but it's less efficient compared to the rest. The address starts with 1xxxx and uses P2PKH.
Nested Segwit prefix is next, this address format allows old wallet address to send bitcoin to a SegWit address using P2SH wrapper. The address prefix starts with 3xxx and uses P2WPHK
Native SegWit format is the best because it's more efficient and cheaper when using it for transactions which is why you need a wallet that supports Native SegWit. The address prefix starts with bc1pxxx. Lastly is the Taproot upgrade was done on bitcoin on November 14,2021. It's address prefix starts with bc1pxxx. It enhances privacy and security for complex transactions.

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2. Can I lose my BTC if I don't upgrade the software always?
No but it might make your wallet more vulnerable since it will lack the new features that has been made in the new version in terms of security and privacy. This is why you are advised to always upgrade your wallet software to the lastest version.
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3. Can I make money running Bitcoin node?
Only through mining and mining is very expensive. You must run a node as a miner. However, running your own personal node will help the network to be remain decentralized and give you more privacy.

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4. Now that there is ongoing massive adoption for Bitcoin, if everyone holding including the government how will scarcity plays out without a price ceiling?
Demand and supply is what due trigger scarcity. Bitcoin is only 21 million in supply and in every four years, the halving event which reduce the miners reward into 1/2 will definitely trigger the price of bitcoin to shoot up overtime because more people are adopting and increasing their bitcoin stash overtime.

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5. Can Bitcoin function offline without the Internet?
No, Bitcoin is a digital currency and needs the internet to keep the nodes running.

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6. Can Bitcoin maintain it's full decentralisation and security while making more than 10 transactions?
Of course, provided that you are using a self custody wallet.

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7. If Bitcoin can't fully decentralized from the government haven't the decentralisation failed?
Bitcoin is censorship resistance and beyond the power of government to control. It still maintain the decentralized nature despite all the effort that the government is putting to see how they can control bitcoin adopters and users through KYC but not the network.
4  Economy / Gambling discussion / Re: Gambling discussion❌ Advertising ✅ on: September 29, 2025, 11:14:59 AM
Hello every one, I guess I'm not the only one who noticed that a place where we once know as a forum for discussing about gambling and making our selves better in gambling, Is now an advertising forum, I came looking for discussion that will enlighten me as a gambler, but to my greatest surprise I can't see non.
Yes advertising is part of it but it has now overweight the true purpose if the forum. Which in my own perspective it's wrong, I think measures  should be taken to minimise the rate of at which we make advertisement in the forum.
This is a gambling board so what do you expect. Every board has their own area of discussion. You cannot go to the technical board or bitcoin discussion board and start discussing about gambling. Gambling is legal here in the forum, I don't see why that's a problem to you because as far as I know we still have non gamblers in this forum that don't give a fuck about the ads.

This is a bitcoin forum and any service that uses bitcoin is allowed to come here and advertise their brand for promotion. Apart from mixers. Do you have any problem with the gambling ads, because I don't understand what you are looking for. You're new here and have to take the forum the way it is because it has been like this for long.
5  Economy / Gambling discussion / Re: Italian League Prediction Thread (Serie A) on: September 28, 2025, 07:06:25 PM
Milan 1-0 Napoli

What an outstanding goal from Milan to take the lead early on the 2nd minutes of the game. Pulisic did a great assist to make that goal come through. Saelemaekers did a fantastic finish for his club. I hope that Napoli can put themselves back in the game because Milan looks tactical than them.

The match is on the 17th minutes and Napoli is still quiet without any beautiful strike yet.
6  Other / Beginners & Help / Re: Reasons to use only Discretionary Income for Bitcoin investment. on: September 28, 2025, 06:19:04 PM
Whichever way you are comfortable with your Bitcoin investments, stick to that method as long as its going to continue to increase your threshold. If it's discretionary income that works for you, continue with that method and if it's money from work you do budget, continue with the method. Some days ago, celebrated having more than 1 Bitcoin using money from plastic waste, he has been doing it for years and it has paid off him, that's not a discretionary income but he did made it.
Majority of people discretionary income comes from their income. Any amount of money that you will not be needing for long can be considered to be your discretionary income. That man that picked plastic and bought bitcoin bit by bit till he was able to accumulate up to one bitcoin did that with his discretionary income from the plastic sales if not he wouldn't be able to hodli for long.

Although is not everyone that have this understanding or I can called it good information by investing their discretionary income into Bitcoin to gain more in further time, but it's good to invest in Bitcoin and understand the right time to trade it because it's not all about investing but also know what you investing for, most people spend money what's not necessary and profitable at a moment
It's good that you buy enough bitcoin gradually with DCA method and hodli for up to a circle before you should think of selling. If you want to be a day trader, you will run at loss because the market is filled with uncertainties.
7  Economy / Gambling discussion / Re: Premier League Prediction Thread 2025/2026 on: September 28, 2025, 05:50:05 PM
Arsenal made a come back from one goal down and score two goals in the late minutes of the match to smatch all three points from Newcastle after an endless action throughout the 83 minutes. Merino equalized the goal with a header and Gabriel gave his club the victory on the 90+6mins with a header. This shows that only a header can outsmart Pope when he is on the post.

It will be a painful defeat for Newcastle because they thought they could win Arsenal with their tight defense but Arsenal found a way to overcome that and won the game.

The match ended Newcastle 1-2. Arsenal
8  Economy / Gambling discussion / Re: Premier League Prediction Thread 2025/2026 on: September 28, 2025, 05:04:42 PM


Arsenal have built a strong squad this season. However, we have not seen Arsenal play well against the renowned teams of the Premier League. We have seen Arsenal's defeats against Manchester City and Liverpool. And today against Newcastle, Arsenal's performance is not as good as expected. Despite several strong attacks, Arsenal's players could not score any goals. In another match, Newcastle took the lead through Nick Woltemade's goal in the 34th minute. The first half is probably going to end 1-0. It will be very difficult for Arsenal to secure a victory by scoring two goals in the second half.

I will only give a bad assessment if they also lose in their next match, although in this match against Newcastle United, Arsenal were behind to Nick Woltemade's goal, and I see Arsenal having a chance to turn the game around.
It wasn't difficult for Arsenal to equalize in the second half.
Arsenal only lacked finishing, and the arrival of Gyokeres is expected to improve that.
Newcastle is playing better in the second half than what they played in the first half. The game is balanced and not one sided. Newcastle is desperate to win this match and that shows in their defensive line. Gyokeres keeps missing his chance because Newcastle defenders ain't giving him no space.

Timbre got fustrated when he saw that his ball was stopped by Pope when he thought that he has already scored the goal. If Arsenal cannot break the deadlock, Newcastle will double their lead
9  Economy / Gambling discussion / Re: La Liga (Spanish League) Prediction Thread 2025/26 on: September 27, 2025, 04:46:52 PM
Shocking the game is now 5:2 in favor of Atletico Madrid and leaving Madrid likely to dropping from top of their league table, this results coming out from various league this weekend are quite shocking this weekend, and now in the La Liga, Atletico Madrid vs Real Madrid game isn't left out as we continue to witnessing this suprising results this very weekend. A very interesting game and incredible performance by Atletico Madrid.
I didn't see this coming because I underestimated Atletico Madrid. I did not expect such a poor performance from Real Madrid is the second half and I was disappointed towards them because I lost my bet. This is an opportunity for Barcelona to take the lead if they win their match tomorrow against Real Sociedad.

A brilliant and impressive performance from Atletico throughout the match. They made proper use of all the chances that they had to score five goals. Two in the first half and three in the second half.
10  Economy / Gambling discussion / Re: Premier League Prediction Thread 2025/2026 on: September 27, 2025, 04:15:46 PM
The Crystal Palace vs Liverpool game is currently playing  the way we expected, and even though Liverpool is dominating the game, I am quite sure they won't win Crystal Palace in the second half. If Liverpool makes use of their opportunities in the second half, they might be lucky to earn a point against Crystal Palace.
Crystal Palace is gradually becoming a thorn on Liverpool's and some other big teams flesh. They unexpectedly beat Manchester City in the FA cup finals, they beat Liverpool in the Community Shield and right now they are currently winning the champions 1 - 0. An early goal from the home side separates both side as it stands, Liverpool in other to get something from this fixture needs to step up their game.
What a painful defeat for Liverpool as Nketiah stole all three points from the champions on the last minutes of the match to end it 2-1. Crystal Palace has ended Liverpool unbeaten this season. Crystal Palace is the only club that is till unbeataben and have defeated Liverpool twice this season.

What a great moment for Nketiah. Liverpool should respect Crystal Palace because they are better than them when they clash. I knew it that would be very difficult for Liverpool to achieve all three points in this match. Football is unpredictable and full of surprises
11  Economy / Gambling discussion / Re: La Liga (Spanish League) Prediction Thread 2025/26 on: September 27, 2025, 03:07:42 PM

 I love that the match is very tough although Real Madrid was poor in defence and gave Atletico a chance to score the first goal, they've corrected that error by equalising, Real Madrid still remains more favoured to win this game, they just have to be more careful and defend properly so Atletico Madrid won't get more chances.

 Kylian Mbappe is in a very good form this season it seems he really wants to correct last season's error cause he's scored 7 goals so far in 6 matches it's a very good stats and if he can be fit for a while he could outscored other attackers to win the golden boot this season, anyways Real Madrid just made it 1-2.
Yea, it's quite an interesting ongoing first half. The match is currently, in favor of Real Madrid because Arda Guler has scored the second goal for Madrid with a sharp strike. The goals was scored on the 36th minutes by Guler.

What a game, what a Madrid derby as goals keep raining into the back of the net. Sorloth has done it for his team with a header to equalize the goal on the additional 90+8 minds of the game. So much thrill and astonishment.

A. Madrid 2-2. R. Madrid.
12  Economy / Gambling discussion / Re: Premier League Prediction Thread 2025/2026 on: September 27, 2025, 02:16:44 PM
Looks like it's time for Liverpool to drop point if they are not careful. Sar has opened the scoreline with an easy goal to take the early lead on the 7th minutes of the game. This is the first time that Liverpool have conceded first since the beginning of this season.

Crystal Palace has been a threat to Liverpool. A beautiful safe from Alisson to deny Crystal Palace from doubling their lead. I don't know what's happening but the game is on pause currently.

Crystal Palace 1-0 Liverpool.
13  Economy / Speculation / Re: Buy Buy Buy or Sell Sell Sell? on: September 26, 2025, 05:36:57 PM
Yes, that's definitely right. It's best for an investor to observe when to buy and have the right knowledge.
Investors who are still in their accumulation stage does not need to observe the market before he can buy bitcoin, neither does a brand new investor wait for a proper time to by bitcoin by observing the market because there is no best time to buy bitcoin, just buy anytime that you have your discretionary income available and have a long-term investment mindset by setting a bitcoin target for yourself. If you want to observe the market and buy when you have the right knowledge you will be wasting time and missing out the chance of buying immediately and start growing your bitcoin investment.

It's difficult to understand the price movement of bitcoin which makes waiting irrelevant and a waste of time because it will limit the quantity of bitcoin that you will accumulate in the long run. There's no need of having the right knowledge of bitcoin or the market before you can get started, only the basic knowledge of bitcoin and your discretionary income is enough for you to start your bitcoin investment while you learn as you invest for a broader knowledge.
14  Economy / Speculation / Re: Buy the DIP, and HODL! on: September 26, 2025, 03:31:34 PM
Buying aggressively with reserve funds will never be the right decision. Because if the price drops in an emergency and to deal with that emergency, you may have to sell Bitcoin at a loss. First, dividing your funds into 3 levels is the best and wisest thing to do. Such as cash fund, reserve fund, emergency fund. If you build your funds in this way, then you may be able to deal with your financial crises very easily.
we give ourselves too much financial conditions when investing in bitcoin which is not that important. Who told you that buying bitcoin with your reserve funds is not the right decision and that whomever that buys bitcoin with his reserve funds will sell at loss when an emergency arises.

One of the major purpose of having a reserve funds is to use it for bitcoin purchases whenever there's a dip so that you don't miss out the dip. Emergency funds is for a real life emergency and shouldn't be tampered with only when there's a real life emergency. However, you can also tap first from your reserve funds to take care of a real life emergency before use your emergency funds but that doesn't mean that reserve funds in not to buy bitcoin at the dip.

I just bought some fraction of bitcoin today with part of my reserve funds and that doesn't mean that if I exhaust it, I wouldn't refill it back.
15  Economy / Gambling discussion / Re: UEFA Europa League 2025/26 Season on: September 26, 2025, 10:39:08 AM
It was not an easy win though but they secured the 3 points which is necessary. This is just their first game of the Eropa cup season and I'm hoping for them to get a better improvement in their next game. Maybe Aston villa took Bologna for granted that they failed to prepare way better, and if that is the case, I believe they will do very much better.
Aston Villa didn't take Bologna for granted instead, they were too confident in themselves. Look at how many chances that was missed in the first half. Aston Villa had several opportunities to double their lead but they failed. Watkins got a penalty for himself and still lost it. I was shocked to see that he played the penalty straight to the direction of the goalie.

Villa should be happy that Bologna has no good finisher, if not they would have equalized the goal and share points with them. However, Aston Villa got their first victory and I believe it should motive them to play better in their domestic games because they have broken the yoke of defeat.
16  Economy / Gambling discussion / Re: How easy it is to be addicted to gambling? on: September 26, 2025, 10:13:52 AM
How do you know you are addicted to gambling

You will start acting abnormal and put gambling first before anything else. You will always wany to gamble wherever you are at work, church, meetings, at nights without sleeping. It means that you are addicted. However, some people don't examine themselves to see if anything is wrong, until people tell them that they're addicted. The moment you use money for important things or borrow money to gamble be careful, because you are close to getting addicted.

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Can an addicted gambler work himself out of that addiction without help from anyone, if yes, is it still addiction
If only he is determined to stop gambling. Addiction is addiction. Some gamblers prefer to stay addicted and continue chasing their losses hoping to win in the long run. While some give it up the moment they realize that they cannot achieve their dreams through gambling.
17  Other / Politics & Society / Re: Teachers Should Know the Difference Between Correcting and Bullying a Student on: September 26, 2025, 09:42:41 AM
It depends on the class that the child is. Any student that is dull and shows all seriousness to learn will always be on a good conduct in class so that, he can understand what his teacher is saying and ask questions to know more. He might even go later after class to seek for more explanation from the teacher. No teacher will bully such a child.

However, some students are only in the class to make jest of the teacher about how he speaks, his cloths or one thing in order to distract the class and get the teacher angry, such students should be bullied if corrected several times and fail to stop. Teachers are been paid very little compared to what they contribute to the society, therefore, parents should teach their lads how to respect their teachers and be friends so that, the children wouldn't lack behind.
18  Economy / Gambling discussion / Re: La Liga (Spanish League) Prediction Thread 2025/26 on: September 25, 2025, 08:47:02 PM
Barcelona's wobbly start to the new season seems very confusing to me.This team has truly lost their team spirit. Instead of learning to fight, they are now showing weakness as we can see from their performance against the Real Oviedo team today. Such an act by the champions against an average team does not really convey a positive identity, we thought they would organize themselves over time and come up with a plan to defeat Real Oviedo easily. Hansi Flick's team will face an embarrassing situation in today's match as their two best attackers are already missing from the squad. Maybe it is largely true that Barcelona should learn from the level they have fallen to, they are not being aggressive enough now.
The first half ended with Barcelona trailing by one goal.
It was quite an interesting first half, with Barcelona's dominance beyond doubt, but Oveido did well to take advantage of the situation with quick counterattacks. I think it worked quite well, especially with three shots created and two on target, which really showed that they were focused on taking advantage of the situation.

Now, in the second half, Barcelona still has a very good chance, even though they are currently trailing by one goal. However, on the other hand, there are still some conditions that could make things a bit more complicated for them if they continue to perform as they did in the first half, because honestly, Oveido is playing quite tactically. they prefer to defend and park the bus, hoping for three points or, if not, one point would be enough for them, so they will focus more on defense in the second half.
Barcelona needs to find a way in order for them to breakthrough Oviedo defense if they want to equalize the goal and win the match because they had a lot of chances in the 18 yard box of Oviedo but none of the balls was able to pass through the defense into the goal post.

I believe that the second half will be in favor of Barcelona because they have won quite a few game from one goal down this season. Their opponents oviedo is not as strong as them which is another advantage for them. I hope that Barcelona will not drop point with this game.
19  Economy / Gambling discussion / Re: French Soccer League Predictions and Discussion Thread (Ligue 1) on: September 25, 2025, 07:16:50 PM
It's very difficult for clubs to repeat the feat the next day. However, Paris Saint-Germain is an excellent team that will certainly earn its respect, but I also think they won't even manage to reach the final again. They got there thanks to a bit of luck.
Repeating the same feat in the Champions League is indeed very difficult, although not impossible, as it has also happened to a team like Real Madrid. However, for a team like PSG, it will clearly be very difficult to reach the final or win again there, because the competitive tension there is very different from that in Ligue 1. So PSG only has a chance to win Ligue 1 repeatedly every season, but not in the Champions League, where every team will always play their all-out to win.
One important thing we should pay attention to is that every season, several other big clubs improve their performance by recruiting new players who can help strengthen their team's performance.
If Paris Saint-Germain wants to win the Champions League again, it's highly unlikely, as many more experienced clubs can knock PSG out at any time.
Meanwhile, as far as I know, Paris Saint-Germain hasn't recruited many good players this season, making it difficult to expect this club to win the Champions League again.
Only Real Madrid have been able to win the Champions League back to back. Apart from them no other club has done it. This is why I don't think that PSG can defend the title because they cannot be in the same form like last season. Many clubs have improved their performance by by additional players to strengthen the team. I believe that PSG will find it difficult to win some big teams that they defeated last season.

I would have loved to see a different club entirely winning the title this season.
20  Economy / Speculation / Re: Buy Buy Buy or Sell Sell Sell? on: September 25, 2025, 02:51:26 PM
What are the basics that the newbie needs to learn about bitcoin before getting started?
Beginners do not need to have a degree to invest in Bitcoin, as someone mentioned above, how to buy, which wallet is safe, about long-term holding, etc., gaining knowledge about these topics will be enough to invest in Bitcoin. And they can start investing by following the DCA method. They can start like this and gain more knowledge later.
New investors think that they need to know Bitcoin in depth first, but the real priority should be understanding their personal finances, such as cash flow, backup funds, and determining the size of their initial investment position. A few minutes of chart analysis is enough to get a basic understanding of Bitcoin. It is wise to start with small positions and gradually build up confidence and investment as you learn. This is why DCA strategy and proper financial management are essential. So that it is possible to continue investing regularly.
Yes of cause you don't need to know everything about investment before you start investing
It's a process of learning, you can start with a little amount of money first then as time goes on as you begin to learn more about the investment you can be invest a larger amount of money
But before any one starts at least they should know the basic things about the coin like but at the dip and hold

But just starting without knowing any thing concerning the coin is just gambling.
But I'll personally answer it more flexibly this time. Ithink learning about Bitcoin before investing and learning about it after starting are probably the same, with the only difference being the timing. So, is there anything wrong with either? I don't think so. Both are perfectly good, and neither is inherently bad. Learning something before jumping in is certainly a wise decision . Just like swimming in a deep pool, to be able to swim, you have to learn first. It's impossible to jump in without knowing how to swim. So, perhaps that's how it feels to learn about Bitcoin before investing.
I know that no time is late to start your bitcoin investment no matter the price of bitcoin at that moment but don't you think that it's better for you to start earlier when you have your discretionary available with the basic knowledge of bitcoin. Instead of trying to have a good knowledge on bitcoin before starting. I don't see someone who has wasted some period of time in learning more about bitcoin to be in the same shoes with someone who only had the basic knowledge of bitcoin and started immediately.

Mr A that was busy wasting time in the name of learning might not be able to buy bitcoin at the price which Mr B bought. Mr B might have gone far in his bitcoin accumulation size and Mr A was busy having fun being a no coiner when he can be learning and investing at the same time. Mr B will have  more experience in the market on how bitcoin works and how to control his emotions by using the right amount of money from his discretionary income and at the same time set up his emergency funds.

Mr A, might have all the thoery knowledge but Mr B will still do better than him because he learned more by experience and will be able to avoid mistakes that he has done in the past. In the long run Mr B will have more bitcoin than Mr A.
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