18-68 is a huge range. I don't think we can put all these people into one consideration. At 18 I had ko real financial plan for the future, that only came during my late 20s. University was very expensive for me and set me back many years financially. Before all these cost there was no real point in planning out the future. And even during university its hard to plan because you don't know how much money you will earn later.
The most important age to plan out future financial liabilities should be between 30-40, here we know how much money we make with some years of work experience and how much money we need to save for retirement. Doing long term financial planning at an age of 60+ seems not important to me anymore. At that age we leave the workforce soon, there is no real time left to make a lot of money for retirement.

It depends on how good the teacher is in my opinion. Nothing wrong with paying someone to teach us his skills. The only problem might be that he is a very good trader, but very bad teaching others. There are people who make the right decisions on his brain very fast, but struggle to explain how they reached that conclusion. If the teacher has a good track record of teaching beginners the arts of trading, I would probably go with him than teach myself. Teaching ourselves might be free but will involve a lot of more time. It is up to us to distinguish between bad trading ideas/strategies and good ones. It also depends a bit on the individual, there are some people who enjoy listening to others and learn faster that way. Than there are others who maybe have a different learning speed and enjoy more reading things at their own past. Both ways can make good traders.

There isn't really anything Europe can do short term. We are dependent on Russia for gas, there is no real alternative we can find in a few weeks. Also these are long term contracts with Russia, we can't just cancel them overnight. Same goes for Russia, they need the western money and will not stop the gas flow. Both parties in the contract want the gas to keep flowing. Putins rational behind this move is strengthen the currency, via increasing demand for Ruble. The German chancellor Olaf Scholz already said they will only pay in Euro or Dollars, but this doesn't matter. Gazprom is creating new bank accounts that will directly change the euros or dollars into Ruble.

Showing bets and odds without draws make it look easier for the bettor. You have only two options, either you bet on your team winning or your team losing. Enabling draw bets is for more sophisticated gamblers, but also a big income for the bookmakers. I read in an article that people tend to undervalue draws and overvalue wins and losses. So maybe bookmakers can increase that misconception even more if draws odds are not shown. In the end it's all about profitability. They must have the data which making more money, with or without the no draw bet.

Your 1. Point is the only real reason in my opinion why governments will not make bitcoins a legal tender all around the world. Politicians are usually in office 3-5 years and maybe get reelected afterwards. During that time politicians rely heavily on the control of money supply. In good economic times the budget is usually balanced and the country spends the same it generates through taxes. But there is usually no real surplus because why would the government reduce debt levels, just to help out future governments? It's better for them to make some tax cuts or give reliefs to some groups and guarante their votes for the next ejection. In bad economic times the government relies of printing new money, issuing new debt to cover any shortfalls. With bitcoins as the new legal tender all that wouldn't be possible again. There would be the need for a government to act much more financial prudent and long term orientated. For the people it would be a good thing, just not for the politicians. That's why they are trying so hard to limit and regulate crypto currencies heavily.

Servus Brotkruemmel, Herzlich willkommen hier im Forum.

Klar kann man noch was starten in der Crypto Welt, auch im deutschsprachigen Raum. Die Frage ist nur was genau du vor hast. Ein Café oder Restaurant zu eröffnen dass Bitcoins und andere Crypto Coins akzeptiert geht auf jeden Fall. Und bei Beträgen von 10-100€ musst dir auch keine Gedanken um KYC machen. Selbst wenn härter Auflagen kommen von der EU soll bis 1000 der Freibetrag sein. Die Frage hier wäre nur wie profitable ist es. Ich glaube nicht dass viele hier im Forum ihren täglichen Kaffee mit Crypto bezahlen würden. Ich persönlich würde immer mit Euros bezahlen um meine Cryptos zu behalten. Also ein Crypto Café klingt schon cool, würde sich nur mit der Zeit rausstellen wieviele mit Euro und wieviele my Crypto bezahlen.Falls du jetzt teurer Sachen wie Autos mit cryptos verkaufen willst da wird die Sache schon schwieriger.
Falls du jetzt dein eigenes Crypto Projekt starten willst und deine eigene Coin rausbringen möchtest, dann wäre ich etwas skeptischer. Programmieren ist auf jeden Fall die Voraussetzung, aber es ist ein sehr teures und arbeitsintensives Projekt. Es gibt schon soviele verschiedene Alt Coins dass die erste Frage ist, was würde deine Coin neues bringen um sich durchzusetzen? Einfach eine neue Coin rausbringen funktioniert heutzutage nicht mehr. Da gehört Werbung und weitere Begleitung nach dem Launch dazu.

RTP and House Edge are already advanced terms for a beginner. They both mean basically the same thing, how much money is the casino is going to keep for themselves and how much they return to the gamblers. The games we play at casinos all have a negative expected value for the gamblers - it's mean that if hundred of thousands of people are going to play a game 1 time than 51-55% of the players will lose and 45-49% are winning.
There is not the one best casinos out there for all games, first you need to decide what games you like and what you want to play. For example, are you more into Dice, Roulette, blackjack or slot games? If you found your favourite games than you can look for the best casinos offers. Try out FortuneJack, they have a large variety of games and always nice promotions.

It's not only USA that is facing high inflation rates, Europe and Russia have the same problem. All around the world prices are going crazy this and last year already. Its mainly construction materials, food and energy prices than rose a lot in the last 12 months. That's why most currency face the inflation pressure. The war in Ukraine accelerated the need for a non USD based trade currency for Russia. Rubble might be one option but its very volatile right now. The Chinese yuan might be another option but I don't think Russia will accept that. For their energy payments they now require money to come in Ruble because they can't deal much with Euros or Dollars anymore, and its a good way to stabilise the own currency. Trade between Russia and China will not be in USD. Also yesterday Russian foreign minister was in India to make more biliateral trade without using USD. I don't think we will we see another currency to take over the world number one trading currency, but what we do see is a more biliateral trade between countries in their own currencies. The US Dollar will lose it's importance over time.

Slowly getting hyped for the Worldcup, even though I don't like it's being played in Qatar. Too many people died building the stadiums and politically the country shouldn't be supported through such a big event. But of course I will still watch and bet on the games. The group stage drawings was really nice, there is no knock out group were some of the big teams have to fight early one. There should be nice odds for picking the champion already now.

Looking at the groups, group A seems the easiest, Netherlands should definitely manage to get through. Group B will be easy for England to advance. Group C are Argentina and Mexico my favourites. Group D France of course and probably Denmark. Group E Spain Germany I hope. Group F Belgium, Group H Brazil and Group F Portugal. I don't expect any of the favourites to be eliminated during group stage.

Abschlussarbeiten in der Crypto Welt unterstütze ich immer gerne, bin zwar noch bis Mittwoch im Urlaub danach mache ich deine Umfrage aber mit Vergnügen. Erinnere mich noch zu gut dran wie schwierig es war für meine Abschlussarbeit  genug Teilnehmer für die Umfrage zu finden. Statistische Auswertungen werden hier bestimmt gerne von vielen gelesen. Musst nicht deine komplette Arbeit hochladen, aber eine Zusammenfassung wäre klasse. Viel Erfolg und hoffentlich gibt's eine 1.

Sounds like a nice April fools story  please show us your mathematical proof, I want to see that. Honestly, who in his right mind would give a trading bit 20k USD? First of all, why you need 20k? Can't you just run the bot in smaller size, like start with a few hundred USD. If it's really risk free you should be really quickly at your 20k USD in profit. Also why sell it? You just get rich yourself.

I think it's too early to worry much about it. It's important to stay informed and watch the new legislation coming into play. It could definitely be very damaging for the crypto community in Europe and limit our abilities to send crypto money freely. But they EU voted a few days ago on an outright ban of cryptos, which luckily didn't get a majority. So if politicians can be persuaded against any crypto ban in the future with tighter regulation than so be it. Who knows if this will get through all the national governments without any amendments. At the moment they propose the limit to report is at 1,000 EUR. Anybody who wants to fly below the radar has just to do many 999€ transactions. But maybe the limit will be raised before it becomes law. For cash the limit is at 10,000€ to be reported. Also there could be some loopholes for us in the future. Best to wait and observe.

I agree, placing bets on simulated games without knowning if they are real or fake is very risky. We need to think before betting our money away, just because a bookmaker offers some odds doesn't mean that it's a fair game we gamble on. The thing with simulated games is that they offer a bigger variety of games to bet on. So in periods of breaks due to season holidays or breaks because of other issue, like covid lockdowns, we can still enjoy betting. Simulated games will full randomness involved are fair for every players. There is no edge to be gained, everybody has the same odds and it all comes down to who is lucky and who is unlucky.

Today is Complexity playing against AGO as part of the ESL Pro League Season 15. Should be a sure win for Complexity, their team is still very competitive and AGO has not a good track record lately. Then on the 1st April Astralis is playing against AGO, should be another save win for Astralis.
For Monday there are more ESL Meisterschaft 2022 games, BIG is playing against Sissi State Punks. Should be a nice match but I expect BIG to win this one, the last two times the teams played each other BIG won. I might be a bit biased because I really like BIG, for me they are still favourites this year. Both teams have roughly the same points, but group A fit Sissis was easier than group B for BIG.

Now it's getting a bit ridiculous between Jake Paul and Conor Mcgregor. Jake Paul says now he will knock out Conor in the first round. That's crazy to be honest. First he wants to lose weight to make the fight more fair, then he said he wants to fight in the Octagon under UFC rules and now a fight that is over in one round. Jake Paul might be younger and more fit, but Conor McGregor has all the MMA experience. The fight will definitely go longer than one round. Can't wait for it to be finally happening, going to be a very big event.

https://www.marca.com/en/ufc/2022/03/26/623f5b7922601daa3b8b457f.html

I agree there needs to be other methods than just sanctions. The sanctions against Russia are already very hard and hurting a lot of people. I would say that the exclusion from the SWIFT system was the most severe sanctions for the average citizen. The Russian crypto casinos are just a small part of the gambling industry. Do we really need to sanction all parts of the economy?
Right now it seems that there could be a ceasefire achieved between Russia and Ukraine. A status of neutrality together with international guarantees could do the trick. Russia is already pulling troops out around Kiev and want to reduce the bombarding. I hope this war will end soon so that the sanctions can be lifted and Ukraine can start rebuilding its country.

Awesome news, the Football World Cup is the biggest sport event world. Fans from all around the world are going to watch this event. For a company like crypto.com who are looking for international platforms to advertise and promote this is the ideal event. Super bowl might have been better for the American Market, but with the Worldcup you can reach even the smallest countries.
Only problem is that usually the Worldcup is in spring/summer, now its going to happen in winter. In many countries there were huge public viewing opportunities and even the stadiums had build up screen to show the matches in an awesome atmosphere. I wonder if with the bad wester on December we will have less viewers than if the games were earlier this year.

I think that a good RTP is important for a casino to keep their existing players happy and engaged. If the RTP is too low that players will go bust too fast and leave the casino. There should always be a way to make our money back. So if I had to choose between promotions and RTP I would go with higher RTP. The problem here is of course that casino profit margins will be lower and with less money spend on advertising less new players join the casino. The promotions through the advertising campaign might be only for new players, which is a bit sad. Maybe to compensate the lower RTP the casinos could include existing players into their promotions.

Hungary is not really reflecting Europe. There is a huge difference between Hungarian politics and the politics of the European Union. For the last few years has Hungary changed their laws to control all aspects of the country better, what is in violation of the open mind and ideas of the EU. The government should not be able to control all the important areas of a country, but that's exactly what Hungary is trying to do. No wonder they are crying for a ban on cryptos. The freedom and independence behind cryptos is what makes Hungary scarred. I wouldn't worry too much about it, they will not get a majority.

I have no idea how big cheating is on the chess world, but I would expect it to be very small in the higher levels. Once you reach IM or GM rank everybody knows each other. The people have been playing chess since their teens and played against each other in many tournaments. It's not like one guy just using cheat software for 2 weeks and becoming a new chess professional. That's why the ELO system is so important. I think that online only players with a long track record can play each other. The potential backlash from cheating, like ruining your career, being banned for life from chess tournaments and paying a big fine should prevent anyone professional to do such a think. For small online chess tournaments with no professionals I think that betting on it is no real option because of the cheating risk.