Keeping all your money in one bank account is one way to keep earning and not be able to save or invest for future purposes. even though you're earning as much as 500k in this Nigerian economy if you don't pay yourself an amount that will serve the purpose of your upkeep while keeping the rest in another account or converting it to an asset you can't touch easily regardless of an emergency, you might continue earning 500k for years and yet achieve nothing from it.

So here is the take; from whatever amount you're earning, still pay yourself a salary from it, with time, even though it's not much you will adapt to using it for your upkeep while you use the other portion for an investment of your choice.

Preferably, it's best that immediately you receive your pay, you either auto deduct the amount for your upkeep into your spending account while the rest goes immediately to your savings account or is converted to an asset of your choice either a digital asset like Bitcoin or any asset you so desired.

Remember that it's too easy to spend any amount of fiat in a few moments but very difficult to touch the wealth you stored in Bitcoin or another asset.

we've seen cases upon cases where the EFCC molest and assault innocent citizens on the road and in several locations just because they assume them to be what they are not. If you ever try to speak up you risk being tutured as though you're a criminal. Apart from this cases, there had been cases where they just break into some estate where they suspect to be internet fraudstars handout and arrest and molest even people that aren't into fraudulent stuff. Our security agencies need to learn how to do better while handling issue so it wouldn't be a case of careles molestation before even finding out if you're guilty of what you're being accused of.


the thing with them is that once there boss notice that the case has gone viral and has caught the attention of the public, they just do away with whoever is involved so and clean thier reputation from whatever mess it could cause them. Let's hope that this is not a mere media showoff that is used to distract online people while the pepertraror of the act is left to carry out her daily activities comfortably.

COVID 19 is a mere pandemic that doesn't have the gravity that comes with a serious war but even at that, it disrupted alot of sectors and led people to struggle seriously before Getting things done or even doing any form of financial transactions as banks where shut down and what was only possible was the use of POS in local areas combine with the mobile banking system that was also available. No one is praying for serious cases of war that could lead to the bombardment of major bank building which could lead to a temporary closure of banks to minimize lost. But in reality, those kind of things aren't impossible to happen.it can happen and if it does happen, since we already have the knowledge of Bitcoin and it use, it's going to be much easier to use it in such instance.

Bitcointalk profile link: https://bitcointalk.org/index.php?action=profile;u=3613412
Current rank: member rank
BTC Address for payout: 1EAdaDC3umEatJLT62SST92amdKaSrWpNg

From basic economic principles, if you have a higher capital, you will certainly have higher returns compared to starting with a smaller capital. If you're just chasing returns or expecting a huge profit margin but pay slight attention to how much you use as your capital, even when you make a profit, the extent of your profit will largely depend on how much is your Capital.

                                                       REMEMBER
                                                       50% profit on $1000 is $500
                                                         5% profit on $100,000 is $5000
                                                          THE IMPLICATION IS;
Don't chase bigger returns, chase more capital. This is also applicable to How much you invest in Bitcoin and how much profit you can get from it.

When COVID came and it became impossible to hold physical meetings, zoom gained relevance and became the solution to what would have caused major problems for most companies.

war can lead to a total shutdown of banks and all financial institutions causing even those that have money inability to use their money. We saw a slight fraction of it during the scarcity of the naira and we know how bad it was and that it can get worse should banks stop functioning totally due to war.

We don't pray for war but we can't assume it can never happen so we should prepare for the worst while hoping for the best and keeping part of our investment in Bitcoin will be a sure option.

If you have Bitcoin and banks stop functioning, it's just simple to make transactions through it pending when things will go back to normal and the Bitcoin can be converted back to cash. This is the reason why it's good that even people in the market environment know about Bitcoin so they know its numerous advantages and how it can come through for us in times when our banking system can't work again.

Do you want to know the excesses religion has helped to control in the society? Looking at a society without religion is almost the same as assuming we can cope without the government. Apart from certain religious views that looks at killing as obedience to what they believe in, religious people generally have a good moral view about humanity which has helped to reduce crime in the society.

                           Nigeria local board.
Link 1. https://bitcointalk.org/index.php?topic=5498785.msg64239980#msg64239980
Link 2. https://bitcointalk.org/index.php?topic=5500634.msg64240104#msg64240104
Link 3. https://bitcointalk.org/index.php?topic=5500634.msg64240483#msg64240483
Link 4. https://bitcointalk.org/index.php?topic=5500647.msg64240751#msg64240751
Link 5. https://bitcointalk.org/index.php?topic=5499806.msg64208356#msg64208356

even though it's yet to be officially made a global means of exchange, when you're considering the most reliable medium through which you can carry out international transaction, Bitcoin is the surest and most convininece means to bank on. In the next ten years, we might not be certain that Bitcoin will get accepted as a global legal tender but at that, it's going to serve as the most viable digital asset that's used in not just storing wealth but also creating wealth.

update the spreadsheet sir, mine has reflected.

You can't compare the kind of judgement you get from human to what's obtainable with the use of AI. The advantage we know from it use is that it's faster and more accurate with an already programed information that has been verified before but when it comes to solving real life problems, artificial can't beat original intelligence.

There are several technical questions you will ask most AI and they will fumble big time and basically, what ever information you're getting from it is from human in some ways but you can't tell how far the human mind can get to in terms of being creative and providing solutions to real challenges. AI has it advantage and is very useful in the workplace and with it, some of the position we normally would assign to human can be left for it which will go on to reduce cost but that's never to say that you can trade AI for human.

as necessary as this is, most of us don't have the luxury of setting all this in place while we accumulate our Bitcoin. Most of these emergency funds and reserve funds are ideal strategies that if followed would give you the best accumilation journey but we know that in the practical context, most persons don't have any reserve funds that's going to serve it function when emergency sets in or use it to buy some extra Bitcoin when there is a correction in the Bitcoin market.

The urge to use our savings for luxury would always come and as a typical Nigerian that has a lot of self entitled people around us, it's easy to spend it on people who will keep coming for help. Those who live a competitive lifestyle with their mates are the most likely to misuse their reserve funds to prove to people around them that they aren't doing badly in their finances.

When you're too cautious of getting the best rate you end up endangering yourself to falling into scammers' hands. But why should Palmpay allow customers to delete transaction history in the first place when they know that it's always a normal thing to have multiple transaction issues that can easily be sorted out should it remain on the person's dashboard?

Some of these developers don't understand that users are the lifeline of their business and as long as they no longer feel comfortable with the app, it's way easy to get an alternative source in a split second.

Their value isn't all that low and I don't think that they are undervalued. With some substitutes that's in the market, it's certainly affecting the price of silver and gold and that's one reason why we've not witnessed a serious shift in its price.

You can easily find a lot of materials that are coated with an inferior metal or element that has almost the same look as silver and you can buy it at a much cheaper rate which goes on to reduces how much people value these precious metals.

We're living in a global era where Information spreads across the world much faster than most of us thinks. You could be surprised to know that someone in a remote African villages knows quite much about the US presidential election way more than the actual citizens and this is what the information age we're in has helped us to attain.

Anyone that has a mobile device and knows about financial system should have in one way or the other known about Bitcoin and cryptocurrency. The issue is that although Bitcoin has spread around the world, it hasn't gotten to a stage where you can easily transact with it in local market for so many factors. Business people don't HODL there money but rather prefer it to be in liquid and flexible form such that they can use it for business purpose whenever they want to. For daily business transaction, fiat does better job compaired to Bitcoin so although it has gotten to all the part of the world, it's not yet gotten to the position where it can become a legal tender that's usable for most business activities.

don't know the region you're based in but if the place is close to an engineering campus, you could get into with the lab technician and have it installed for you. In my college days, we installed it directly from school because of how unsafe it is getting a cracked version from the net.  Most guys that are into any typical design course usually have it on thier system and you can check it out from them. I had mine on my device but since I wasn't using the device, I gave it out to a relative who's far from me at the moment. Maybe someone might be able to help here.

My Utopia Review
I always go through app reviews before downloading it and some end up not meeting the standard of the reviews. After going through these reviews and trying the Utopia app  I must say that this is a very good app with a simple interface yet completely centered on ensuring that the privacy of users isn't joked with.

I loved the fact that while using the Utopia AI, you get a safety prompt that reminds you that you've got to be cautious of how you share your sensitive information while using the app which guides you on the necessity of privacy.

should Bitcoin serve as a source of income? Bitcoin isn't a source of income, we know it's volatile and by that, it means that if we invest or save up in Bitcoin, we will get some profit from it but that's not the role of Bitcoin in today's world. You have to take care of your finance and ensure that you're not doing bad financially before getting started in your Bitcoin investment.

Looking at it as an alternative source of income means that you've not invested into Bitcoin and just taking mere theories. Real Bitcoin investor have there lives 90% figured out before they eventually takes investing into Bitcoin s a necessity. If you're looking out for a stream of income or you already have one and looking for an alternative stream of income, then you shouldn't venture into Bitcoin In the first place. Bitcoin was created just like the money with an advanced future that's decentralized which helps in solving some limitations we faced with the use of the fiat. If you can't cope with creating wealth through the use of fiat, it's most likely that the use of Bitcoin wouldn't do you any better.

I can bet that some persons don't understand what the OP meant by "the best way to make Bitcoin fail is to believe that it success is guaranteed.. it's not true that they want Bitcoin to fail, what they are likely saying is that Bitcoin will fail if we assume that Bitcoin cam succeed on it own or that Bitcoin success is 💯 guaranteed and that it can't fail regardless of what happens. Though Bitcoin has stayed long and has proven beyond some reasonable doubt that it's far from failing, we have to be sincere enough to know that it's not 100% guaranty that it can't happen. I guess that's why he's suggesting that we keep buying and supporting Bitcoin as core Bitcoin enthusiast.

I know that risk is a common factor with every investment option but what I'm trying to say is that how you look at a thing determines how you will value it or take care of it. Factors like losing your seed phrase or losing your investment to hackers are things that are common to all investments but you can easily control them.

It's just like you're telling someone like Tony Elumelu who is the founder of UBA to invest in the bank with an amount he can afford to lose. Does it make any sense? It's almost going to make him look like someone who's not serious with the bank and not someone ready to create something out of it. If I'm investing in Bitcoin or buying land, I'm looking at the prospect of what I'm buying and that's what will help me to put in much resources into it, but if I already have the mindset that I'm investing in something I can loose at any time, the first thing it does to me is that I become too cautious not to invest too much so if it eventually fails, I won't be all that hurt. In the case of Bitcoin that's more profitable when you've bought more Bitcoin, can you comfortably buy more Bitcoin if you're buying the amount you can afford to lose?