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.
There are so many different situations you need to find the setup that works for you. Some people get lucky with a flat share with friends at a fraction of the market rate, others get trapped with the worst housemates out of necessity yet still pay high amounts due to the local area, some people who buy a house pay stupid interest rates because they do no research while others are running optimum finances that make a mortgage the best option. It can be hard to find the ideal house as a buyer because your budget is often fixed at the limits of what you can afford, many people start off with buying a flat which comes with the possibility of problems you identified as a renter. |
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Have seen few discussion in this board about odd providers limiting user accounts, I assume they must be tracking user's accounts across multiple casinos by email address, kyc is triggered later.
My question is, would it be possible to circumvent such imposition by simply using different emails while registering on different casinos?
If the KYC is active for any casino then they might definitely target winners, as perhaps they are the most likely to withdraw funds. Any reasonable casino or sportbook should be quite open and upfront about the requirements, but they often walk a fine line - in order to get customers spending they try to reduce barriers as much as possible. If a customer deposits a small amount, loses it and never returns it might be onerous to require such information. However if you are a regular visitor then you should be asked for it and if you want someone to blame, it's the financial regulators of your country that are trying to stop criminal money entering or getting "washed" in these high risk companies. |
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- Lost $$ on rivian EV investment
- Doubled fulfillment center overhead on their warehouse expansion over roughly the past 2 years
- Demand for amazon web services declined
- Amazon is buying one medical for $4 billion
I had no idea amazon owned a large percentage of rivian. For those who have never heard of rivian EV trucks, they could be head and shoulders above the tesla cybertruck in terms of features and design. There have many amazing features and have to be hands down the best EV truck on the market. The main issue they face is being built as luxury vehicles priced below their material value and cost of construction. Could amazon recover and be a buy? I'm not certain their growth potential under current circumstances could translate to a worthwhile number of percentage points. Rivian was a one off cost that has now been written off, sometimes these new projects can fail but at least they tried. They definitely did over expand during Covid but as long as they are sensible with trimming operations back, there is a lot of slack and savings to be made in future if they continue their cost cutting plans. It seems like a step into the medical sector might potentially be a very lucrative and perfect fit considering their extensive logistics chain that can move these high value items to customers. While I am not a fan of Amazon as an end customer, after seeing them crush many smaller competitors due to predatory pricing, I cannot help but think the Amazon share price is looking cheap right now. |
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Currently we offer level-up bonuses for our VIP and rakeback. However, due to popular demand, we are looking to implement weekly and monthly bonuses as well. Do you guys happen to have any recommendations for a formula we should use in determining what an appropriate weekly/monthly bonus should be? We would love to hear feedback from all bitcointalk members! Hope you guys have an awesome and safe New Years!  -Punt Management I don't know how they do it but one casino & sportbook that I use will regularly offer 5 to 10 free spins on various slots per day, provided you check out the various pages within the site that they are posted across. Maybe not profitable for the sportbook if everyone took advantage of them, but can only imagine that it just sucks the majority of players back in to spend it all and more on the site. They also offer a regular weekly "select football matches that have 3-4 goals" and if you select 6 correctly you win $200 in free bets, by some miracle I managed to win that top prize after a year of playing it. Besides that, offering amazing odds on one game a week is also a decent way to get me betting. |
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I have been in a job I detested and although I somehow managed to stay at it for up to 4 years, I didn't even for once let go of my passionate hobby and other passive streams of income I was interested in at the time.
Today, one of my passive interests pays more than my salary. My mind has been yearning for a resignation, but opinions of others and family bears the message of patience with the job I so much detest for reasons ranging from inflation to fear of the unknown.
If you were in my shoes, what would be the best advice you would give yourself and adhere to in this instance?
It absolutely depends on the circumstances and how much additional work your "passive" income entails. Some people call things passive income when they are not quite auto-pilot but they are very lightweight bits of work that don't add much stress to your week. You must also remember that depending on what your passive income is, it can change rather rapidly due to conditions outside of your control - for example a change in the law might make it easier for competitors to flood the market or a major company might spot what you're doing then try to push you out. If you truly detest what you're doing to the point you wake up sad every day then it might be better for your mind and longer term health to move elsewhere, not every job might be so terrible in your profession. |
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Gambling is getting more popular, just at the US casinos produced almost 55 billion dollars in revenue during 2022, an amount which surpassed the previous record that was established last year, and since any trend going on the US is most likely taking place all over the world it seems safe to assume the same is happening at many other countries.
Have you noticed this as well where you live? Are cryptocurrency casinos experimenting the same kind of boom as fiat casinos?
From what I recall, betting used to be more more restricted across the USA until relatively recently when a lot of laws were relaxed and different states started competing to host these sort of companies. It's similar to cannabis laws in that way, there has been a surprising relaxation of the rules and there is a lot of money in taxes to be raised for the most accommodating local governments. It might hit a point where there is a bit of pushback but it seems like politicians and supreme court judges are concentrating on all the wrong things lately. Either way it looks like this trend will continue for a while and these US companies are likely going to start hoovering up overseas companies at some point with these huge funds available. |
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Is money the real root of all evil in today's society
Quote
I do not think so, it’s like saying we don’t need money, but money sustains life. It will always depend on how you used your money. There are many meaningful things you can use the money for; e.g., building hospitals, feeding the homeless, building schools, a fund to teach people, charity workhelpingelp technologsupportingort the government in enhancing its citizen's way of living, and other many things you can do with worthwhile money. I have read about “the love of money”, it talks about every behavior of an individual, not money itself that as the source of all different types of evil and distress. Money is ethically neutral; I believe there is naught wrong with money or the ownership of wealth. But, once the money starts to control a person that is when the trouble began. People being controlled by money will feel superior and takes pride in power which leads to greediness and obsessions of an individual. He or She will enjoy the luxury of life, they will use their money to dictate and control other people for his or her will. Money is a necessity that is why people do fraud, insult, kill, and do bad things to have it. Hence, it is not “the money” but “the love of it” that is the root of all evil.
No, money is often blamed but it is the people who control it that end up causing unnecessary hurt and misery. We have many billionaires out there who are hoarding so much wealth that could be helping millions of people every day, yet they will never use anywhere near the amount of money that they've accrued. They often just end up passing it down their family to often undeserving generations who squander it further. I don't know the answer, because capitalism seems like the best system, but ensuring redistribution of wealth seems only fair and making sure they cannot use their massive bank accounts to lobby (often simple bribery) for changes to the law to further favor their empires. |
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Have you guys tried tailing high rollers with their bets on sports and electronic sports? Because today I tried doing it just for an experiment and I took a bet on 5 games even without knowledge about them. I didn't put too much money into it because like I said, it's just for a trial. It didn't end up well and these are the results. 4 losses and 1 win.  I copied the bet of users who are mostly playing above $1000 per bet. Some 1 Ethereum and the other with 0.1 BTC if I remember it right. So I thought, these gamblers are not joking about their bets, they must have researched hard and knew who has the highest chance to win or the end result of the scores. Question: Has anyone been successful in doing this? I know it's not right to bet on a game without knowing about it, I am just curious if someone does this kind of strategy. You have to be extremely careful when following people on the internet because you don't know what is driving them or what their personal circumstances are. You might have a spoiled kid who's parents have given them an allowance of ten thousand a week, who simply throw up some bets on a twitter feed and pretend like they pick winners (then subtly delete losers later on, to give a false impression). Then you might have shills working for these casino/sportbook companies trying to discreetly drum up new business with a form of (pretty lousy) advertising. Then again, you might come across 1 out of a 1,000 people, who if you still have any money left by this point, might genuinely win 51% of their bets but you're probably not going to copy them long enough to make it worthwhile - there can be huge variance in such betting. |
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Iran and russia want to issue a stablecoin?! This world is becoming crazier by the day.
I would guess their first kneejerk reaction was to simply use gold. Then they realized if they digitized it. They could simply move digital funds from one account to another account. Which is easier and more efficient than shipping heavy piles of gold across long distances. But then who would cover development costs of what could easily become a multi million dollar project? Then they realized, if they used free open source code from crypto projects, they wouldn't have to pay software development costs and would only need servers to run it and personnel to maintain it.
So it seems that crypto and stablecoins may become a natural progression for corporations and nations of the world who are attempting to solve basic and fundamental problems of economy. Such as developing and deploying financial systems to facilitate transactions denominated in gold. Rather than starting from zero and building systems upwards to achieve basic and fundamental financial tasks.
It's not crazy from their perspective. They've been cut off from world trade because anyone who trades with them is almost possibly going to incur the wrath of trade sanctions from some of the richest countries in the world. A multi million dollar cost is a pittance if it allowed them to open up a new trade route that could result in hundreds of millions, billions or ultimately trillions worth of trade. Unfortunately they both suffer from a huge deficit of trust, even between themselves, that bills will ultimately get settled or that their wider economy is well managed not to implode. That is the underlying problem that a cryptocurrency will not solve, the same incompetent people are still in charge and don't want to change. |
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My curiosity drove me to research and create this topic. Covid -19 saw the proliferation of online casinos and the statistics of have been increasing by the day. Today, my intention is to with you some interesting facts about online casinos. Some you may know while others you may not know. I hope you learn a thing or two.
FACT 1: The First Online Casino Hit the Web in 1994
It’s hard to believe that online casino gaming has been around for more than 25 years, but that is in fact the case. Developed by Microgaming, a company undoubtedly ahead of its time, the first online casino popped up just about 100 years exactly after the first slot machines started making their way onto the casino floor.
FACT 2: At any time, 1 in 10 internet users is gambling.
11% of internet activity worldwide is made up of gamblers using online casinos.
FACT 3: Roulette is “the devil’s game.”
Roulette is sometimes called “the devil’s game” because the total of all the numbers on the wheel is 666 hence it is often associated with the devil’s supposed number.
FACT 4: In some places, citizens can ONLY gamble online.
There’s at least one place in the world where residents are banned from gambling in person, but they can still get their kicks online. That place? Monaco. Yes, Monaco with the glamorous, world famous casinos that feature in James Bond movies. It seems only tourists and superspies get to step inside that elegant world.
FACT 5: Online gambling and gender
Online casino gamblers are predominantly male. It is considered that about 11% of those people who access the Internet actively use gambling websites. Annual statistics say that over 80% of the people in the online casinos are going to be male. Of course, this does incorporate all forms of Internet gambling, so betting is also included. Another interesting fact is that gamblers tend to be over the age of 30 years, and this serves them well because gambling problems are predominantly in the younger male gambler who is 7.5 times more likely to become addicted and have a financial crisis than their female counterparts.
I must add that this is dependent on the location. For example this research suggest that more than half of all active Swedish players are women
FACT 6: 90% of slots players opt for online casino gaming than at land-based casinos
Only 10% of punters choose to play slots at a land based casino while 90% of the players choose online casinos. This means that it is more interesting to play games online.
FACT 7: You can tip the dealer in online live casino games
Just like in land based casinos, some operators like Evolution gaming provide the player to tip the live dealer in appreciation for good service in case they wish to do so.
FACT 8: Most Popular Game
Not only are slots almost exclusively played online these days, but they are also the most popular game. Perhaps the rules of table games such as roulette and craps are too hard to get the hang of or maybe people just like the mindless fun after a long day in the office. But whatever the reason slots are by far and away the most popular games to play.
What other interesting facts about online casinos do you know?
Those are some pretty interesting facts and didn't know a few of them. You need a passport if you want to enter a casino in Monaco - other forms of identity document like drivers licenses are not accepted and you'll get turned away. I imagine that Monaco residents are either super rich and hold dual citizenship if they wanted to skirt that entry rule, or they can simply pop over the border into Spain or Italy to find that bit of excitement. I find it fascinating that so many people are drawn to online slot games because they are so clearly rigged to favor the house. I guess they are the most popular because most elements are controlled by the casino and they don't have potential third party issues like collusion and other forms of cheating to handle. |
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Just like TV station shows, where we have certain shows or movie series that are designated or referred to by some set of people are feminine shows or series. For example, in my own part of the world where I come from, TV station like Telemundo, Telnovelas etc. They're mostly regarded as TV stations meant for the feminine.
Now bringing this home as it concerns gambling, I ask, you as a gambler are there gambling games or sports that you think that such gambling games or sports are supposed to be mostly engaged in by a particular gender (as it suits such gender more), and why?
Mind you am not saying that gambling is gender-centric in anyway.
I think as with many things in life, you can gain insider knowledge by participating and there are definitely some sports that are moreto women even if that is shifting every year. You'll find things like netball, beach volleyball and synchronized swimming have more women in - but then comes the question of whether these sports even receive much betting activity. We're already starting to see many more sports start to filter through on to betting sites with women's football games making common appearances depending on the site. It's nice to see such barriers broken down in the modern era, because there is still a lot of unfairness in things like wages and yet when it comes to football they can play a much better game with lower drama (that's what I saw when watching the women's world cup anyway) |
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The massive awareness to keep bitcoins for as long as possible promotes people to develop the attitude of saving, just like saving money. Do you agree with this that people who are very good at saving money become very good at keeping bitcoins when they finally start doing cryptocurrency? Or do you feel that there is no similarity between keeping bitcoins and keeping money?
People who can afford to save Bitcoin's in my experience already have a fairly stable fiat currency setup and were saving money elsewhere before jumping into cryptocurrency. People that have enough excess money to start spending some of it on speculation or "investing" have reached the point where they are financially stable compared to others who live paycheck to paycheck or fall deep into debt. There are similarities in the behavior, however if you go to sleep one day with a $100 dollars, there is a relatively high likelihood that the things it can buy when you wake up are similar. The same is true with Bitcoin, however it has much higher swings and volatility in comparison. |
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A charitable casino means a casino limited to a building, or portion of a building, a) providing equipment, management and personnel for the purposes of conducting a non- profit casino, where a portion of the net income benefits various charities; and b) operated by a provincially licensed charitable management company. I am familiar with charitable events but this is my first time to hear about charitable casino. The funds realized are used for relief aid, counternarcotics assistance, helping to people fighting with a cancer, and many other good causes. As a matter of fact, I will be participating in one this weekend to raise funds for people displaced by conflict in my country. My mindset is just to have fun. However, I will try to win but then if I lose, I will know it will be a cash assistance for those in need. My budget for this is just $300. Did you know that there are other casinos that donate a part of their revenue to do some good in this world? - Betoncharity: It is just an amazing that from 4 up to 40 percent of the Betoncharity.com house win go towards charity. That said, we are that shocked by their generosity as we do imagine the declared 4 societies claims on resources: - Red Crescent & International Red Cross; The Institute of UCSF Aids Research; Foundation called Make-a-Wish America; the American Cancer Society.
- Paf: The Finish oriented organizations, with the best kind of promo – “Play among friends”-, have been calling poker, slots, and more of live and online casino players for help towards the Red Cross, including supported welfare associations for children, since 1966.
- RehabBingo: Not many people suspect it is the RehabBingo.com as a big help and an important sponsor of the Rehab group to fifty thousand disabled people with different physical and intellectual deformities across Ireland. And to be completely honest, their offering isn’t bad!
- CaptainCharity: Among the rest, we’ve discovered CaptainCharity by the address CaptainCharity.com, the organization shares 50% of the profit with 10 institutions, and later it is planned even more societies, which are chosen by players above ever. As far as we can see, it’s like the world of gambling is moving to the people advantage.
Have you played in a charitable casino or will you consider doing it? It doesn't sound like a very clever or well thought out idea. The whole thing sounds like it would be heavily opposed and not in any way welcomed by charities because in reality gambling is the source of a lot of suffering for many people with very few winners not outweighing that fact. If people wanted to give to charity, their are much more effective ways of doing it than via what many would consider a vice for pleasure and entertainment, putting down a small amount with the hope of winning a much bigger one. However the other end of the spectrum, the extreme addicts, can end up in all sorts of miserable situations which are often what charities are trying to solve in the first place. It's like cigarette companies sponsoring a healthy sport like football - there is clearly an ulterior motive. |
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I never understood how wealthy and successful men can sound so negative at times: This isn't the first time Munger or Berkshire Hathaway chairman Warren Buffett, also known as the "Oracle of Omaha," have gone after crypto with Munger even going as far to say that he wished crypto had “never been invented." For successful billionaire investors to say they wish crypto had never been invented. This sounds serious! Is crypto a big deal for them? Why would such be the case? I get that millennials, generation Z and the youth demographic love crypto and have been known to throw their money at it in the hope of someday becoming millionaires. Warren Buffett and Charlie Munger want investors and the youth demographic to throw all their cash at stocks instead. To keep stock indexes rising and make berkshire hathaway a more profitable venture. Buffett and Munger are upset all of the liquidity directed towards crypto, isn't being thrown at things they own to make them richer. But what would they do if they had additional billions at their disposal? Would it make a significant change to their lifestyle, net worth or holdings? What if Warren Buffett and Charlie Munger both had $200 billion dollars more than they have now. Wouldn't they be saying the exact same thing, doing the same thing they are right now? In which case, why be upset when it wouldn't have a noticeable effect on their lifestyle or standard of living? In a free country he is entitled to have such an opinion but really at his age should not be able to dictate laws or general government direction. By their own admission Warren and Charlie missed many good ideas in the tech sectors because they made their wealth without relying on this sector and they never wanted to learn it either. They can certainly express their opinions on whether they think it is a good or bad thing, along with the reasoning, but should not be making calls like this. It's better for their business if they keep out of politics like they have for most of their lifetimes and focus on enjoying the later years in life. There is definitely room for improvement in crypto, but bans rarely help and stifle progress. |
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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.
There is only one good type of loan to take for most people and that comes in the form of a mortgage. People might take a small loan when they're younger and inexperienced, or simply have limited means to support themselves through tougher times, however it is better to stick to positive balances than go into debt. I don't think people get addicted to them at all, they are mostly taken out of ignorance, greed or desperation which is usually connected with the higher interest rates. The best way to avoid it is educating yourself about financial matters are early as possible and trying to build up some form of savings if you can, which act as a buffer against financial shocks. |
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Hi guys! Long time lurker, first time poster.
I've been researching a lot into the marketing of running crypto casinos but have always been curious about where these casinos source their greatest affiliates. In the fiat and global in-person casinos - the biggest high-rollers are generally sourced by junkets & big agents who accommodate these players with complimentary benefits. I presume that there are many of these types of agents that bring in a hefty percentage of a crypto casino's gross volume. Where would we be able to find these types of agents & affiliates in the online gambling realm?
Many thanks!
Since we're on these forums and probably focused on the crypto realm, the first place to find people with promoting talent is to look at all the signature campaigns running here and figure out who are the most proficient at running them. They are the closest thing to the agents that you've described. However generally you have to throw a lot of money at a casino and grow it to a big enough size through advertising that the high rollers start to drift your way through word of mouth rather than trying to hunt them out. The owner of a casino slowly building up a group of high rollers that they wine and dine, maybe accompanied via a (usually glamorous) team of VIP agents is the way it goes. However you build this team up piece by piece as you expand, not expecting one person to drive all your profitability. |
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Interesting points all around. Despite the ban, China has continued to be the second largest Bitcoin miner in the world as of January 2022, hinting at a large crypto community still existing in the country. According to official data, mainland China customers accounted for 8% of the collapsed crypto exchange FTX despite the country’s ban on crypto trading.
Some local crypto enthusiasts even believe that China has never really banned individuals from possessing or trading crypto. With crypto emerging as the "legalize and tax it" version of legalizing cannabis of decades past. Could china's economy significantly benefit from approving and regulating crypto, rather than resorting to hardline policies more closely resembling outright bans? In past years, we were bombarded with countless news articles claiming china would emerge as the next global superpower to dethrone the united states and takeover as the #1 nation in the world. Now that economic slowdown has encompassed the globe. Can china achieve its lofty ambitions, without harnessing emerging technologies like crypto to boost its economic potential and tax revenues? Could there be criticism made against china for handicapping themselves by outlawing things which might only give them an economic advantage over the long term? As global debt climbs for nations of the world, everyone appears to be scrambling to harness new sources of capital, credit and liquidity. Crypto is emerging as one large global market and method for achieving these goals. The Chinese government makes some strange policy decisions, often only to benefit party members at the expense of everyone else, but casting a look back they imposed this ban during a period of time when energy was getting more expensive and was heavily polluting. Miners were growing private profits for the few at the expense of public health and the ability for the wider public to access cheaper electricity. Then there is also the political side, where the ability to store funds outside the tentacles of the dictator Xi Jinping meant that people were less susceptible to pressure and could escape if things got too dangerous or express opinions they might otherwise have to hide. |
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Have seen few discussion in this board about odd providers limiting user accounts, I assume they must be tracking user's accounts across multiple casinos by email address, kyc is triggered later.
My question is, would it be possible to circumvent such imposition by simply using different emails while registering on different casinos?
What you've probably also seen or should have, is how often this type of abuse gets caught. Why should anyone here encourage you to commit fraud against these casinos? If you have to ask this sort of question then I can guarantee that your accounts are going to get frozen and you will lose any deposited funds, then undoubtedly come here to complain when they catch you breaking the terms of service. If you don't agree with the terms of service of a site, then don't use it - simple. They use many more methods than just an email address to determine if you are trying to cheat them and that's all you are - a form of cheater which is never a good thing. Learn to play fair or you will waste your time in the long run. |
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Tesla, an automobile company was holding more than 1.5 billions in 2021 but lost it in the year 2022 when we had the bloodbath. Since Tesla had its image connected with bitcoin as well as reputed automobile industry it was definitely forceful decision to sell it all in the long run.
But, they did it playfully and saved as much as 64 million dollars in profit when bitcoin shown its volatility waves. Tesla also trimmed almost 10 percent of profit from the company itself to balance out it.
The important lesson: No matter if you are individual OR big company you have to have perfect timing for buying and selling. Moreover, you need to know proper strategy to play (no matter how many fouls it would do) but you have to save up your investments and make profits.
What a strange rollercoaster and example of how Elon's herd of followers, which has since been falling greatly, could be manipulated into buying anything that he wanted to hype at the moment. Bitcoin did benefit somewhat from his wild tweeting and getting Tesla involved in it, but he might have done more harm in the long run. Basically when Twitter started to signal (even if it was 3 months after the event) that they were divesting from Bitcoin, you would instantly see it followed by a wider exodus. If Elon had done his research beforehand on environmental impacts instead of coming up with a deceptive trading idea, based on getting people to pump it up due to his tweeting that was not covered by securities laws or at least not enforced at the time, he made some short term profits. |
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I am strongly in favour of desktop applications or even web based, as I think that phones are usually to small and I do not really trust much the apps, but there seems to be many people who would rather use their phone. Is that because they do not have access to a desktop computer? It may also be a regional issue, the same as people that do not use a browser?
I guess phone based apps can work for certain gambling situations like simple slot games or placing small sports bets. However I've had bad experiences with them in the past when playing things like poker where small, fiddly controls that don't allow for the maneuverability of a mouse/keyboard combination have caused a few mistakes. Whether it is betting too high, being unable to properly select the bet you want or even folding a great hand by accident due to clumsy finger placement - it simply felt impractical to long term success. Similar mistakes can happen when choosing sports bets where smaller text can make it hard to distinguish the right bet that you want to make, like accidentally choosing total goals instead of total corners, then not noticing until afterwards. |
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