In the next five years, it is likely that AI will begin to reduce employment for college-educated workers. As the technology continues to advance, it will be able to perform tasks that were previously thought to require a high level of education and skill. This could lead to a displacement of workers in certain industries, as companies look to cut costs by automating processes. While it is difficult to predict the exact extent of this trend, it is clear that AI will have a significant impact on the job market for college-educated workers. It will be important for individuals to stay up to date on the latest developments in AI and to consider how their skills and expertise can be leveraged in a world where machines are increasingly able to perform many tasks. I'm personally skeptical on the ability of machine learning/neural networks to fully replace humans. I think it's more likely that it will boost productivity by performing the more simple and routine tasks, but there will still be the need for human touch. People will lose jobs because now a professional will be able to do the work of 2 professionals, but AI won't do the work of all professionals. It's definitely fascinating to see what this form of AI is able to do, but I also am skeptical about the ability for it to replace many jobs. At the very least there will be people needed to validate the output and potentially formulate what actual information/scripting/data extraction is needed to achieve the end job most effectively. At the end of the day it is often just plagiarizing information and combining many different sources to achieve it's end goal. For more up to date information it also needs feeding and much of the important data going in (e.g. news and developments) is being created by people. There will definitely be a few jobs lost to this sort of automation right now but it's hard to judge who will be most affected. |
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You know how casinos have set certain slots to only pay a certain amount to a winner, it it also possible that casinos are using an algorithm to limit how much it can payout for players coming from certain locations to avoid being dragged into legal disputes if a player is paid big money and the local authorities want to know the source and the alike?
This is not going to be a factor in any normal casino operation. In that scenario the entire blame and required explanation would rest on the shoulders of the player, the casino would not have liability in that scenario. Casinos often ban entire countries if the rules of the country stipulate that gambling is illegal and KYC sort of verification enforces it to indirectly protect the players. I don't know of any countries that have a threshold that says, if you win over this monetary amount we will take certain legal actions against you - they're either all against gambling or not. A person breaking the law and evading registration restrictions would be the only person to blame in this scenario. You also slightly misrepresent the power that prosecutors have because that sort of overreach and dictating what companies do elsewhere is not the norm. |
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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.
You've given a picture of one scenario, but there are so many different variations it is impossible to give a definitive answer to such a question. You mention the level of rent, but you don't mention the salary you're on. There is a suggestion that housing costs should be around a 3rd of your income maximum, but if you're making 3,000 euros a month (a random example) then you'd be way ahead on such a low rent. You could put that money into other investments, to make your money grow, or simply save for a deposit to eventually buy your own house. Renting is not always a waste, it can give you a freedom to move around which can be especially useful when you're younger and allow flexibility in following jobs. |
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There is this thing about shopping and airlines that when you check and forget, they send you bonus or discount for your possible shopping/trip. Same holds true for casinos, if you just register and leave they will send you some bonus to get you started playing.
Not only that, but in certain countries you'll find that many casinos will offer you daily free games which can actually stack up to a sizable amount of money if you just take a short amount of time out of your day to sweep through them. Consistency is often the only key you need, as I've made a few hundred over the last couple years by doing this on a regular basis. After a while a casino/sportbook might get sick of your free loading and decide to ban you from these type of games, but I've been lucky with a few other sites that have allowed it for a long time. Combine that with the maybe once a week super competitive sports offer and it's definitely easy money if you use your brain. |
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Saudi Finance Minister Mohammed Al-Jadaan said on Tuesday that the kingdom is open to trading in currencies aside from the US dollar in order to “improve trade.”
“There are no issues with discussing how we settle our trade arrangements, whether it is in the US dollar, whether it is the euro, whether it is the Saudi riyal,” Jadaan told Bloomberg at the World Economic Forum in Davos, Switzerland.
Why it matters: Jadaan’s comments are the latest indication some Middle Eastern states are moving away from the US dollar — albeit slightly. Last year, The Wall Street Journal reported that Saudi Arabia was considering pricing oil sales to China in the yuan.
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I believe that there will be no change in the issue of petrodollars without the occurrence of a world war, and from there we must ask what Saudi Arabia wants to make such a statement. I see that there is an attempt to pressure Saudi Arabia against the United States. We also remember: Relations have been strained after the killing of journalist Jamal Khashoggi and many things that make the relationship between the two countries need a negotiation session. Saudi Arabia is not blind to the power that China is slowly accruing around the world and it's almost always a good financial opportunity to diversify your income. America gets to wield a lot of economic and political leverage by being the dominant reserve currency of the world, but the Saudi Arabian leadership are trying to reduce the potential for outside pressure. They currently have a fairly good position because they are often backed as the counter to Iran in the region, however the Saudi government sometimes does some extremely reprehensible things like the killing of the journalist in the Turkish embassy. America will no doubt keep this in mind with who they choose to support in future but everyone is playing their own geopolitical game. |
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https://nypost.com/2023/01/15/gambler-loses-massive-1-4-million-bet-on-chargers-jaguars-game/One bettor wasted a massive $1.4 million wager after betting on Los Angeles before the Jaguars mounted an epic comeback to beat the Chargers 31-30, according to Action Network’s Darren Rovell. It seems that a gambler has loss this massive amount (1.4 million USD) playing a bet with an odds lower than 1.01! (exactly 1.008) I think there are several lessons here: - there is not easy bet! even lower odds there is always a risk. - it's really risky playing an huge amount. This not helps gambler because the risk is much much higher then rewards! - gambling is not easy at all! it's really hard achieve a profit even for easy games! what your opinion about this gambling issue? did you had experience similar experience? how a good gambler should avoid such mistakes? There are few times that you might actually cheer the casino and these situations might be one of them. Somebody had $1,400,000 in their bank account and decided to risk it for the chance of winning around $11,000. Most people could live their entire lives off $1.4 million without ever even touching the principal, if they invested it wisely in something simple like an index fund. If you lived away from a major city there are plenty of towns where you can rent cheaply, or I guess take a little chunk out to buy your house. However someone presumably had such massive wads of cash laying around that they gave up this huge sum for almost nothing - really tough to have any sympathy for them, at the very least I hope it steers them clear of gambling in to the future. |
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The following actions are basic steps in budgeting:
- Track your expenses and income for one month
- Create the categories that fit your life
- Set some short-term and long-term financial goals
- Cut certain areas to make those financial goals possible
- Adjust your budget according overtime.
Even if I take all of these steps, "unexpected expenses" still throw off my budget for me. I will keep track of all my spending and costs, create a budget, and begin adhering to it, but before you know it, a huge unforeseen expense will ruin everything, leaving me discouraged and not budgeting for a while. This usually occurs when I spend excessively in one category or another and realize that the budget isn't working, at which point I give up.
Suggest ways to deal with unexpected expenses?
If you're not running an emergency fund alongside your budgeting (which is a great skill that many people do not use properly) then you are probably not doing it correctly. It's recommended to have at least 3-6 months worth of salary stored in an easily accessible location, although this is often impractical it is getting easier with interest rates going up. This can be used to buy important things like unexpected house repairs and should be replenished via your budgeting as soon as possible. Once it is "full" then you can start pushing money to other savings or investments. It can give a great peace of mind but generally the younger you are the less likely you are to need so many months worth of cash doing little. |
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I have a discussion with a close relative about online gambling and he said something that about how he hate gambling online because it's too addictive, he claimed real life casinos are better and less addictive because he will have to drive down to Las Vegas to gamble or drive down to a local casino and this still takes some physical effort and it discourages many people from frequenting gambling.
He said with online gambling it's available on through mobile phones and you can play at any time, this means no shortage of gambling around the clock and no shortage of losing money as well, you can easily pull out your phone and gamble with any free time, a bit compulsive and too accessible.
What do you think about this claim? Is he right or wrong?
It's definitely a good point to be made, even more so in relation to crypto casinos that can be funded without having direct access to something like a debit card which often are only given to people who at the very least are over 16 - potentially allowing minors to engage in gambling if no other KYC checks are performed. It is also a lot like a wild west where there is no unified self exclusion program that is joined across all online casinos and would allow someone to really get a grip on their spending if their self control was limited. Such a self exclusion program is also unlikely to ever materialize because firstly, there are too many countries in the world to enforce such a law and secondly, any casino in a jurisdiction that did not enforce it would instantly get an advantage of drawing in all players who have self excluded but lost control. |
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We know the US dollar is the world-accepted banknote and can be used as a medium of trade. In the crypto world, Bitcoin is the most popular and the highest-received currency with incredible value. Different nations have authorized bitcoin for transactions and multiple of them are sentiments. Its approval is slowly expanding day by day. Do you think bitcoin will be the commander of the world’s currency market like the US dollar in destiny?
While many people see Bitcoin as the lead, in actual fact it seems to be the follower to what is happening in the main economies of the world. You could see this for yourself if you were paying attention to the interest rates, it was no coincidence that when cheap borrowing started to get more expensive, that the most risky assets were the first ones to drop. All that cheap money was creating a bubble of speculation which drove Bitcoin up to the high price it hit. Even before the latest disasters like the Russian invasion of Ukraine, you could tell that companies were starting to wobble with profits and consumers were starting to rein in their spending as the years of excess give way to the years of bust. Bitcoin rid the wave, some people made lots and others got burned. |
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One fairly common complain among gamblers is they are allowed to make a deposit at casinos and lose their money without any issue, but if they happen to win and they want to make a withdrawal then they are hit with a KYC request almost immediately, Tonybet a fiat Estonian casino was fined more than 400,000 pounds for this practice and it seems the regulators are now interested in making reforms to the laws and force casinos to also make checks on those gamblers which have lost a lot of money. If those new regulations are passed they will affect not only fiat casinos but cryptocurrency casinos will have to eventually follow them as well, do you agree with this idea? Would you like to see casinos to be fined more often for the practice of only asking for personal information from winning gamblers or do you think this will have a harmful effect on their finances? Source: https://www.theguardian.com/society/2023/jan/18/tonybet-fined-regulator-online-betting-id-checks-termsWhat's perhaps a bit weirder is the fact that it's an Estonian online casino getting fined by the UK. I wonder if there is a comparative case being brought in Europe or Estonia - if not against this casino then any others. It does seem like a pretty underhanded way for these companies to perhaps claw back some of the money from winning customers, while also limiting barriers to depositing for losers. If a customer has lost a lot of money and a KYC request comes up, it might just be enough of an obstacle to stop them from ever adding more money to the site, so it is definitely a valid complaint. Let's hope the fine is put to good use in pursuing even more casinos who use such abusive practices. |
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Hello All
I hope that on this day all of you are always healthy and can still carry out activities as usual with great comfort, because here at the end of Indonesia where I am experiencing flooding due to continuous rain for the last 12 hours and causing puddles in several villages that are very close with the outskirts of the city as well as being very close to the river. Usually we say that rain is a blessing for farmers, but excess water is a disaster for everyone so that it hampers the activities of all local residents and will obviously greatly affect their economic cycle.
Some of the residents' land belonging to farmers around here have been flooded and hopefully the rain will stop soon and the puddles can recede soon and I hope the local government will be able to handle this properly soon. Because at the beginning of the year we always feel excessive rain and that really suits the weather here where the rainy season here always occurs at the end to the beginning of the year.
As an ordinary person, I also feel the impact of this because when the floods hit, people who usually sell snacks on the side of the road also cannot carry out their usual activities because they are all busy looking after their own homes and those around them. Hopefully this does not happen at your place and especially elsewhere in Indonesia.
It's sad to see any country hit by these freak weather events, unfortunately as a collective whole humanity are slowly ruining this planet and over population plays a big part in it. Nobody knows where the limits are when it comes to the right population level and if there was less waste it could probably cope with more than it does now, however we are doing so much damage right now there will be a point where it is irreversible. We are driving species to extinction through activities like deforestation, we are helping to acidify the ocean while also over fishing, we create so much unrecyclable waste it is crazy and these are just a few of the problems. As the world continues to heat up, again driven by human activity, we are likely to see more and more extreme events like these. |
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The DA’s office said the victim asked Argueta to claim the prize on his behalf to remain anonymous, promising $50,000 of the prize.
Argueta, who lived in Virginia at the time, agreed to claim the prize on the victim’s behalf and drove to New York to receive the winnings.
At the time, though, the New York State Gaming Commission was not accepting winning tickets in person, so Argueta mailed the ticket to the commission on Nov. 13, 202, instead.
Within weeks, Argueta reportedly went to deliver the NYS Lottery paperwork to her cousin, which said the price winnings totaled $20,000. Along with the paperwork, she handed her cousin an envelope with $13,436 in cash, and said the rest was held for taxes.
The victim found a press release from the NYS Lottery website saying Argueta claimed the $1 million prize and received a lump-sum payout of $537,440 after taxes, the DA’s office said.
The DA added that the victim called Argueta, who said she did not have any more money and if continued to call her, she would take legal action. In May 2022, Argueta forfeited $317,857.13 in winnings from her bank account, which were returned to the victim. [1] https://nypost.com/2023/01/22/texas-woman-pleads-guilty-to-stealing-cousins-1-million-winning-scratch-off-ticket/The valuable lesson that can be learned from the story above is that if you want to remain anonymous for your lottery winnings, do it yourself, and don't entrust money-related matters to other people (even if that person is someone close to you)if i were am victim, i will not reconcile with that cheating cousin, unless she returns all my winnings that she has used, how about you? This actually turned out to be a much more pleasant ending than you usually find in such situations. The authorities must have moved relatively fast to freeze the funds because there is many ways they could have tried to hide it if they knew what was coming. I find it ridiculous that they would hand over a winning lottery ticket or not even do the most basic level of research before doing so, then they would have known what was at stake up front. It's laziness in a way, not that the end result of theft was justified by it. I hope the person who stole the money also served a bit of jail time on top, because it still seems like they spent around 40% of the funds. There is definitely no redemption between family members after this. |
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I am a 32 year old male living in Australia.
Today I purchased some fresh fruit, a loaf of good bread, good quality milk and 2kg of chicken drumsticks for my German Shepherd (he eats human food only) and the cost was close to $50.
I feel this is the first time in my adult life I have genuinely noticed the rising cost of goods and services especially groceries.
Petrol is over $2.10 a litre and my water and electricity bills have also increased by about 15%.
I really feel bad for the elderly pensioners in this country. They are definitely struggling.
I would be curious to read of the experiences others around the world are having in regards to their cost of living.
Inflation certainly has taken off in the last year in my country too, you can see lots of food has risen 30-100% in the supermarkets. Those with a higher than average income are the lucky ones most easily able to weather the current storm, but it would be really tough for the lowest earners to try to keep up with these rises. It definitely is not reflected correctly in the official figures though, as many of the core items are rising the most. There are also far less decent offers around and even the most basic staples like fruit/veg/milk has been affected. I guess it just shows how the global supply chain works when times are peaceful, energy prices stay down and food production is steady. |
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If you don't knao what a royal flush is, well, that's the best poker hand, and it looks like this:
Is the best straight mixed with the best flush, from 10 to A... and if you ask me what's the odds on that hand I would say 0.0032%. almost the same odds as x999 on Plinko.
And here comes the question. Had you ever hit that hand?
I remember I did 1 time in my life, and that's too lucky. I'm sure is almost impossible for anyone to hit it, you really need to play a lot of hands or be lucky as hell to get a royal flush, and that's why I'm starting this thread, let's see if someone else has got that hand in the past.
Don't think I've ever seen one except in the rare occasion that you might find them among Youtube videos of professional poker tournaments, they are simply very rare and you also have to bear in mind that you will not even see all of them if you're playing in tight games - oftentimes you might have the whole table fold to you even with the best hand in your possession. It's part of what makes poker such an enjoyable game though, seeing such rare and unexpected hands come up, but also trying to figure out if your opponent is holding them against you. Playing them in the optimum way is a large part of the challenge, even when they come up just a few times in your life. |
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DO NOT CREATE AN ACCOUNT ON DUELBITS IF YOU DONT WANT TO BE ASKED FOR KYC AT THE TIME YOU WANT TO WITHDRAW
THEY LET YOU CREATE ACCOUNT... DEPOSIT... BET... NO SIGN OF KYC ANYWHERE... UNTIL YOU WANT TO WITHDRAW YOUR FUNDS
It is your own fault that you have not read the rules that allows them to impose KYC on any customer at any time for any reason. There are a lot of people who like to multi account these sites unfortunately and one of the only ways for them to stop such activity is to look for unique identity documents. It is slightly lame that they do not force it at the point of deposit but they are clearly trying to reduce the amount of obstacles in the way of betting. They should definitely allow you to return at least the deposited amount without KYC, but I can understand also why they don't. |
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So I discovered a bug affecting a mode of play at OwlGames casinos that results in certain games rewarding more money than they should. I tried to report it to OwlGames but was told that they have no bug bounty program and to "enjoy the bug" (not kidding). (of course their docs say that any "exploit" can result in not being paid out, but it's not an exploit if it's simply how things run under the given conditions - not that that would stop them from screwing someone over I'm sure) Their poor attitude certainly doesn't do much to make me want to help them out anymore although that was my intent. But since it is only certain games, from 1 provider, should I try to contact that provider instead? It's possible I imagine that it's not just OwlGames that might possibly lose money to the issue, though I really don't know. I guess since these are casinos, losing a couple hundred to a few players every few days that would otherwise not have won anything maybe is just a drop in the bucket. But I found it so strange that they immediately just alerted me that they have no bounty program. Aren't casinos supposed to be pretty protective of their money even if they have a ton of it?  Anyone else have any experiences of trying to report issues like this? I want to be rewarded for my time verifying the issue without taking advantage of it and alerting someone about it, too, so I'm also just worried about giving the info out and having them come up with some excuse like "oh it just needed a restart it's fine now, that's not a bug." That is some very bizarre behaviour from the casino and if they are encouraging you to use the bug then you can effectively create your own reward. The sad part is someone could be actively exploiting this right now and draining away active player funds if it is profitable like you suggest. It's not normal and most casinos would jump at the chance to plug any gaps for all sorts of reasons. Definitely a good idea to stay away as a player if it's true. |
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how to deal with inflation according to my community:
1. Save money
2. Prepare for an emergency
3. Looking for additional income
4. Consumption of domestic products
5. Start investing and saving
that is the way in my opinion to overcome inflation in society. then what do you think? Is this way possible to overcome inflation?
While these are sensible tips for any time of life, in reality unless the whole country or world does them it won't help. However this can actually backfire and make things worse, if people stop spending then companies have to cut back which means job losses and you can end up in a dangerous spiral. Not only that but the current causes of inflation - Russia invading Ukraine - caused food and oil/gas supplies to drop. Which is beyond the control of the average consumer. |
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ChatGPT is all the rage at the moment. I’ve seen that people are asking it to predict sporting events. Would you leave gambling decisions up to artificial intelligence? Do you see any potential drawbacks for outsourcing your bets to a software program? Has anyone here tried this yet? Do we need someone to put together a thread of ChatGPT predictions to see how accurate they are? Any other thoughts?
There are companies out there who specialise in this sort of thing, but unless the ai has up to the minute inputs of news (like the top striker in a football team got injured the day before the match) then it'd not going to be especially effective. It is only as useful as the data it's been fed. Otherwise you might as well just gather statistics and come to more up to date conclusions based on relevant data. |
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Greetings, esteemed community. Could you help me advise? I've seen a lot of topics on the forum about crypto or bitcoin casinos, but I need clarification on their point. As I understand the crypto casino involves paying in different cryptocurrencies, and the bitcoin casino involves only bitcoins. How to choose a casino, is there a criterion for this, or do you just go to any casino and play? It's a rash move without preparation. Also interested in a payment system, which is recommended to play in such casinos? Or just a suitable crypto wallet? I apologize for my silly questions, but I want to understand everything once and for all.
You should have a look at say five of the most popular ones here (the ones with the most responses to their thread, but definitely ignore 1xbit/1xbet). Then start looking for the features that you will be using the most - the slot game variety, whether they offer live table games for you to play or if you prefer to place all your bets with the sportbook, how the odds compare between them all. If you are into sports betting then small improvements in the odds can make up money over time and outweigh any other promotions. Try to avoid getting suckered by loyalty or VIP type setups, because they encourage you to keep playing when you've already lost a fair amount. Definitely make sure you take full advantage of welcome bonuses and read the instructions thoroughly before signing up to maximize them. |
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You think we have seen it all but get this. 3AC is basically trying to generate funds to launch an exchange called GTX. So pretty much its like GOX + FTX = GTX combined. At first I assumed this was a joke but it was posted on WSJ https://www.wsj.com/articles/founders-of-bankrupt-three-arrows-capital-plan-trading-platform-for-distressed-crypto-debt-11673889546So they basically want to trade an exchange which trades creditor claims. So since many are owed MtGox, Celcious, FTX claims they can sell their claim for pennies on the dollar and get some money back NOW instead of waiting a few years. MtGox claims I think were something like 20% back in 2015. The more evidence of the company being solvent then obviously the higher the claim will be. However.... Not only is this being run by 3AC, which we all know aren't the most honestly due to their collapse. Another reason is how can you sell these claims exactly? DO you give your email+password+2fa and sell it like that? How does someone prove how much funds you had on FTX since the website is down. No idea how this is even possible. Crypto getting weirder and weirder everyday. They sound like a bunch of snakes quite honestly, while it sounds noble they are likely just trying to extract additional money from people who have potentially lost a lot. Like many administration type solicitors, it often works in their interest to drag out the creditor negotiation process as long as possible and racking up fees while sending endless reams of pointless paperwork to clients - often burning off what little value might be left in such companies. Such high profile failures are quite rare and often the end result is they failed because large (like 80-90%) chunks of user funds have evaporated, so if you imagine such a small amount is left you'd be lucky to get paid 1% of your initial amount upfront with all risks involved. |
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