It applies to people who live in excess. For the rest of us I don't think budgeting alone is the problem.

I've seen people be well off under a $400 dollar per month salary from where I live. I've seen people who could barely make ends meet with their extravagant $1500 earnings per month (For reference, I live in the Philippines so stuff is still relatively cheaper here compared to the rest of the world). I've witnessed people who upgraded from a higher salary grade be well off, I've seen people who still can't save up enough. It all boils down to situation. Sometimes you can be the most frugal person on the planet and that wouldn't be enough if you're getting paid peanuts, other times you could be given the whole world on a platter and you'd still end up broke by the end of the month cause you just don't know how to manage your finances well.

I say frugality has its limits, but so is your salary. find the right balance between the two and I'm pretty sure you'd be able to make it by the end of the month with a net gain moving forward.

There are certain spots in this forum that the mods will let you advertise these sites, but you can't just post it willy-nilly everywhere or else you'd risk getting your post deleted, and worse, your account getting banned. It's a simple concept really that everyone here has to follow. You could also look into advertising your site through signature campaigns in this forum which you could check here bitcointalk services tab. Once you're done with checking, gauge your choices and decide whether cut and dry advertising is what you're going for, or you wish to make this into a full-on career for other people with the guaranteed benefit of getting clicks and backlinks to your site.

The narrative that switching to renewable energies is going to be a very expensive ordeal is nothing but propaganda spread by fossil fuel companies to discourage people and countries from ever looking at renewable resources as a good alternative or replacement. Studies have been made in the past that specifically states no jobs nor careers will be displaced from the switch to renewable resources, and of course, while the switch will cost large amounts of money, they are sustainable enough that in a few span of years they could easily pay off themselves from the profits that this will yield, all of this with the added benefit of not destroying the environment at the same damn time.

In order to pay off a debt, you first must of course, give something in equivalent that would pay off such debt, countries could go for an exchange of resources, countries could mine or yield whatever they can collect from their territory that would be of value and preferably something that the country they would pay off is lacking. In the case of Japan they could literally pay off their debts with their vast amounts of resources, maybe even products that the lending country could rebrand as theirs although that would seriously hurt their economy.

The fact of the matter is that a country couldn't just pay their debts in one go even if they want to, paying off a debt will cause issues to their economy which may lead them to take out an even bigger loan.

It's a common truth in this industry. It doesn't just happen because of the SEC or whatnot. For a lot of reasons a well-thriving shitcoin/altcoin could be flagged by the exchange it was listed on. Scam/Fraud flags, among others could be grounds for an exchange to stop the trading and in some cases even delist a coin. It sucks especially for early birds who are looking to earn a quick buck but at the same time most of these flags are found out to be true, so people are kept safe from putting their money on projects that are not in the business of giving you the profits and other features that they promised in the past.

Anyway, of course SEC is also to blame for this in part since their crackdown on crypto, but for the most part it's all good.

You can't force people to like what they hate under justifiable grounds.

The fact that these people had all the rights to put down bitcoin and be scared or hate it is enough grounds as it is to actually just leave them be since everything that you would do/say with the aim of putting bitcoin in a better light or crypto for that matter will be considered as you coercing them into investing again. In my opinion the only surefire way we could attract these people back into the game is to actually just wait until bitcoin is in a better state price-wise. This may hopefully stoke their confidence into investing to bitcoin and cryptocurrencies again but we can't force nor suggest and advice them to invest again in crypto. Losing your money over a trade is something, losing it to theft is a much harder pill to swallow.

heard of stories in the past of certain crypto users getting flagged on their banking app after declaring that their funds came from crypto earnings (even if it's from trading so make it make sense lol), so this narrative of unionbank being "crypto-friendly" is something that doesn't sit right with me. Got a couple of friends who lost a reliable banking provider all cause they won't accept crypto funds, so why be crypto-friendly now when you can just double-down on the hate against crypto, they did it anyway with the banning of crypto-borne funds and profits in their platform anyway.

And while to some this may come as good news, I'm not particularly stoked about it either, we have more reliable trading applications and exchanges on the market now, there's probably nothing different that's going on with their trading platform, could be even worse cause of fees.

Unless explicitly stated that the general public can't use cryptocurrencies anymore, everyone can pretty much use it as much as they please.

This will hold up in the court of law too, where technicalities rule. So even though "crypto is practically banned" for usage in the country you're living in, since they didn't explicitly say you couldn't use cryptocurrencies anymore you're still pretty much in the green. Of course you can't just go out telling people you're investing in crypto anymore, that would be belligerent and stupid, but at the same time you're not necessarily prohibited from using it, so invest as much as you want, gain profits as much as you can, and worry about the rest of the details later. I swear if things go south and you get arrested for using crypto under these bylaws you could get away with it scot-free under technicalities, which is why you might think people aren't aware of the law. They know how it works for the most part, they just don't go out there telling people about it.

Desperation for people and government mostly.

For the most part, people will remain with what's comfortable for them. For a while people are happy with the MBS (mortgage-backed securities), when things went to shitter everyone panicked and agreed that something like MBS shouldn't be done anymore not for any reason. People agreed to not have anymore world wars after the second war obliterated Japan's cities. It's through these desperate measures that we see the most change in legislations and how the government attacks things.

With crypto it couldn't be any more similar. For a while they are letting it run free, some countries even supporting it, but when things go south and government finds out how it undermines the profit streams of the richest, they are trying to circumvent the process and ban it. yet another sign of desperate times calling for desperate measures.

I don't think it's really that important, I'd argue that if you're going to buy a wallet with codebase that could easily be edited it's much better to just buy a wallet from a provider or use your hard disk instead. Cause you're putting yourself at a bigger risk of losing your money to bad actors and hackers. Plus when it comes to "open-source" you can't really do much to verify it besides take the developer's word for it. There's no way for the consumer to confirm whether a program is an open-source until they actually work upon said program.

Don't worry about the trivial details anymore, just make sure you buy a self-custodial wallet and for the most part of your crypto journey, that's going to be enough.

I don't understand why people are always coming up with the crypto is anti-fiat comparison. At best cryptocurrencies is anti-capitalism, but never did anyone specify that crypto is against the use of fiat.

Come to think of it, outside of El Salvador and any other country on the planet that uses bitcoin/crypto for payments and transactions you could never find any place that doesn't require you to pay with fiat for goods and services, try giving them bitcoin and see how sour their faces turn into once you say that to them lol. Crypto is your leverage, it's what you use to make sure your fiat's never losing its value against inflation, with the added bonus of turning a profit at the end of it. Fiat is what you use to transact and remain alive in this planet. If you single out crypto cause it's great and you can use it for transactions what you'd only end up with is yet another fiat in the making. It's time to stop comparing crypto and fiat cause these two work hand-in-hand, not against each other.

You already said it. Knowledge without application is useless, application without proper information with what you're trying to invest your money in is dangerous. The best you could do for yourself is to arm it with the proper information that will help you navigate it with pure logic and without bias, so you can't be swooned nor influenced by anyone to make choices that are not yours. I would admit way back then I was easily influenced by peers who are also in the crypto scene. "Buy this, invest in that coin, drop that coin and buy this instead". And while I admit that I earned a good amount of money from that ordeal, it's still a risky ploy that could've costed me my whole holdings if not for the fact that they know what they are talking about. Regardless, this lack of proper knowledge about bitcoin encouraged me to take it seriously and learn more about it. Which paid off greatly and in dividends too!

Getting to the top is a mental strain to many too, cause if it's not the paranoia of losing it all, you'll be hit by the imposter syndrome creeping into you questioning if you even deserved what you have right now. In any case I say just do your thing and don't let it distract you from keeping at what you do. Clearly there's something you're doing that's making enough difference to yield you profits, this fact alone is great enough an evidence to prove that you really got what it takes, regardless if it's trading, investing, or whatever you're in in the crypto world for. Bro casually giving out here the worst possible advices lol. Gambling isn't something you should take even if you're looking for an easy-money strat. More often than not even if you're the luckiest bastard on the planet you won't win anything that counts as "substantial" and you'd be kicked out of all the casinos on the place before you even get to your first million. The rest of your statements are true tho, especially with taking things one step at a time. That's true and epic.

in principle they are. On one hand we got Banks who are all for the "saving of the denominations of money that you have" which means if you want to save up let's say, 1 million dollars, you can best believe your money, as long as you don't touch it or do anything to it, will remain to be 1 million dollars even after years have gone by. It's a little counterintuitive to some people as it may drive you to think that "there's no difference between saving your money in the bank" and saving it under your bedsheet covers, but what you're really after when you entrust your money in a bank is the sense of security and insurance.

On the other hand, crypto is there to save the value of your money. Say you wanted to invest 1 million dollars in crypto, if things go well and they often do, not only are you going to just have 1 million bucks lying around, you'll most likely have more money after the whole ordeal as it yields profits, and of course, ensures that the value of your money from years ago is retained no matter what.

Nobody knows for sure. But I think timing the refund at this opportune time when the people's confidence with bitcoin is just recovering is a good one, as it puts them at the crossroads of cutting their losses and cashing out of their investments, or holding on to it until they actually get something out of their money. What happened with Mt. Gox isn't something that they warranted at all, so I don't think they got bad rap from this despite the fact that people lost confidence in bitcoin, so despite the notion that this may refund may push people who lost their money back then to cash out and take their losses, given the fact that they'd probably return loss money based on 2014 charts with consideration to inflation and all that, this may just push people to just hold it for the meantime.

Too many topics revolving around the iPhone 15 and Bitcoin, I don't think it's that monumental to talk about in multiple threads to begin with.

yeah sure bitcoin was cool very profitable and people have earned money from it by the millions when it pumped in value and all that. iPhone was an awesome piece of pseudo-luxury tech that people have been crazy about over the past few decades already but I don't think it warrants too many separate discussions only for us to come up with the same answer: iPhone 4 is the most expensive iPhone by bitcoin chart standards, phones depreciate in price overtime and the better "investment" is with bitcoin, and all that generic stuff. We got more important things to talk about like the fact that Mt. Gox lost over 800 thousand bitcoins in a single snap of a finger, as well as other heavier headlines than this. Why are we wasting our energies?

No data is really safe cause even if you keep yourself secured from virtual calamities, you're not safe in any way whatsoever against natural ones. I say that the best thing you could really do for yourself if you want to reliably secure your funds through a self-custodial wallet is through purchasing dedicated cold wallets which are easier to carry with, meaning you can tote them wherever you go whenever you want to. Of course you still run the risk of losing it to a pickpocket, or just random happenstance but then again, between not being able to access it anymore and being able to access it still through the help of online support or something I'd choose the latter.

Anyway, no data is safe, everything will be deleted eventually. We got the sun who's going to gobble the planet up in approximately 5 billion years from now to blame for that.

That's the least of your issues. I think this is legitimate, there's no reason why it shouldn't be after all.

Regardless if he has a position in the government, it doesn't make it any less amazing that someone from their country took the initiative to introduce bitcoin and hopefully bring it to the public in a manner that sells it as a helpful aid especially as we transition towards a more digitalized work landscape. This positions Nigeria at the forefront of the change despite not being on the most advanced part of the world. I want to see more updates about this monumental move towards adoption and of course a better life for every Nigerians as we transition to web3.0

bitcoin knowledge is the acquisition of information, investing is a different thing and could be considered as actually applying what you have learned in the real world. Sure there are ways you can get around this, one could be demo accounts that emulate the market status and all that, but the self-gratification and glory that you would feel from actually earning money from your investments/learnings is inarguably indispensable, it beats any form of feeling in the world as a trader.

It took me a while to actually muster the courage and invest, I've been eyeing the market for a while way back in 2015, it took me a couple of months to actually buy bitcoins for myself/hold whatever bitcoins I have at hand.

Rule of thumb is that you should only invest what you can afford to lose. I think everybody knows that by now. In any case, for anyone who's earning a comfortable and competitive salary grade, I say you should put in anywhere between 1-10% of your total earnings in a month on bitcoin if you're looking to invest using DCA. And this goes for whatever type of DCA strategy you're into, whether it's bi-monthly, monthly, or every other month. The whole point of investing in DCA anyway is to just make sure you have a stake at a valuable asset like bitcoin without breaking the bank by putting in a large amount of money in one go. Once you're able to do this, all you ever need to worry is how much more you could invest in, but for beginners who are just starting to dip their toes into crypto, I say you invest this much and you're good to go.