5 Simple Ways to Invest $100 (and Grow it to Six Figures)

I need to vent about the changes to the flea market.

This patch the flea market has been increasingly getting ruined and this final change where you increased the price of listing (even if it is just temporary) is what has made me snap. I am not going to mindlessly get angry because that helps noone. Also before the comments get bombarded with "2019 player, We NeVeR uSeD tO hAvE tHe FlEa MaRkEt" from a bunch of old players. I myself am an extremely old player and have been playing since january of 2017 in the CLOSED alpha. Here is my forum profiles oldest posts as proof for this as I have been actively giving my opinion on the game since day 1 because I loved the game from the first video I saw from it. It is the game I have sunk the most hours into since the DayZ mod and I play every single patch and am far from a "casual" player, sinking hundreds of hours into every patch.
The flea market combined with the hideout was the best combination of changes this game has ever received from a gameplay perspective. The game is in BETA so to me, economy doesn't mean dick. It will constantly get affected and for me, aslong as it is "good enough" to test everything then I don't care so I am going from a gameplay perspective.
Map improvement: The flea massively improved the gameplay because now you didn't need to rush the same 4 places per raid since a crap tone more loot now had a purpose. Back before the flea, everyone likes to ignore this part but noone gave a shit about looting duffle bags. Noone looted barter items or anything of the sort because there was no incentive too. Why would you spent 30 mins looting every duffle bags to get maybe 20k in shitty items when you could just run resort 15 raids back to back in that time and stuff a couple bitcoins up your bum? This was an issue everyone bitched about constantly and BSG finally made this no longer and issue by introducing the flea and the hideout. Idk if this was intentional, but it happened and seeing it happen was glorious because now it unlocked THE WHOLE MAP as a potential money source. And you could now bring in gear and still make money by not rushing straight to the same 4 loot spawns. This led to people having more spare money and thus massively reduced hatchet running. You think it's bad now, it was absolutely atrocious pre-flea market.
PMC engagement. We could now sell the gear of people we killed for a price actually worth taking it for. The traders give you such a piss poor amount of cash for stuff outside of bitcoins and such, that selling high level armor to them and such didn't feel even remotely worth it. They sell m1a's for over 100k but only gave you 30k for one? They don't buy broken armor, so you spent 100k to repair it just to find out they only give you 120k for it when they are selling it for well over 200k. Why would anybody do this? It made no sense? With the flea, we could actually sell these armors, guns ect. that we don't want to people who do want them so now more people are more likely to bring in this gear since they can get it for a decent price, and you are inclined to get that gear from a PMC. Now, why would I ever go kill a mosling? He can 1shot me through 150k armor if he has some ammo in that isn't hard to get, meanwhile when I kill him I can't even sell his silencer, scope or main gun on the flea to people who want them. Instead of getting 70k for killing one of these players, I now get 20k. And I sure as fuck aint going to be risking my 300k loadout to a 1shot bodyshot from billy no brains to get a 20k loadout.
Why stay in the raid anymore?. General Sam said it best, people would go into a raid. Find something worthwhile that would pay back their loadout and then go and PVP. If I find a LEDX in a raid, what is my incentive to stay in that raid? I might get a kill on a mosling for his 20k gun or I can just b-line it to the exit avoiding any gunfight at all to exfil with my multimillion rouble item. And since these items are rarer since you need to exfil with them, that just drives the price up giving us more of an incentive to exfil with them and avoid any gunfight. I see it in all my raids. Noone PVP's anymore outside of scavs. People find a lightbulb that pays back their mosin they brought it and they just run to the hills. I find myself doing it aswell so now this game has turned into a "who can avoid all gunfight the best" simulator. When PMC loot cannot be sold for dick, and you lose potential thousands each time you die then what is the point in fighting? This also promotes doing the pre-flea loot runs since even if you die with a bitcoin, it still sells to traders for a decent amount.
Off Meta guns are pointless. Another great thing the flea did is weapons people don't often use would be massively lowered in price to what traders want for them. This is because if someone killed a PMC using this off META gun, they would sell it on the flea since they want to keep using the META guns. This made those of us who don't want to use a no recoil m416, M4A1 or M1A happy since we could get the weapons for a reasonable price. Now, they have no choice but to sell these guns to vendors massively decreasing the stock and shooting the price sky high. The ash-12 is one of those guns. I love this gun. It's fucking terrible for the price of the round, the recoil ect. but it is the most rewarding and fun weapon in this game to me. It forced me to play a playstyle I otherwise wouldn't. You could previously get these for 60k, the mag for 20k, silencer for 20k and the ammo was 600 a shot. Extremely expensive for how niche it is, but I was willing to pay the price for fun. Now however since the FIR on guns was put in place, just to buy one with all the attachments taken off it is 120k. Why in gods name would I pay way more for a gun to actively put myself at a disadvantage. Why would anyone pay near enough 180k to run a gun that is audible even silenced across the sawmill, has very limited range, half the optics don't work, the round is inconsistent and has recoil through the roof? Now this could be improved by you guys manually going through every off META weapon and making the prices actually sensible, but that is extremely time consuming and needs alot of hours per weapon used to know how useful it is.
The economy is fucked. People for some reason had an issue with people buying attachments and selling them for 1k roubles more than the traders. I have no idea why they had an issue with this because what we have now is infinitely worse. I found a shotgun choke in a raid and thought "hmm, not worth much but I guess I'll grab it". Little did I know it was going for 280k a pop. For a fucking shotgun choke.
https://preview.redd.it/5z7o3n3om3751.png?width=1920&format=png&auto=webp&s=c62654783dfd9581d3b34576bd645865de4f1ced
Now, IDK about you guys. But I'm pretty sure having to pay 289k for a choke for a shotgun is alot worse for the economy than paying 6k on an up marketed price. This can be seen across any item that is needed for a quest that was once something simple. It makes these items unusable.
Completely fucked the casual players. This ties into the prior point, but I am not a casual. I am as far from a casual as you can get and I don't think every single aspect of the game should be catered to these people like alot of people. I want tarkov to stay difficult because that's why I enjoy it, everything can be taken at a moments notice. My duo partner however is a casual, so I get to see how each change affects each side of the playerbase. Issues that may not really touch me, massively slap him in the face. This game always had an issue where players with a bunch of time on their hands were so advanced compared to those who didn't that it was basically impossible for them to play. The flea bridged this gap. Those with less times had to pay more for items that people were reselling, but they could actually enjoy the game. This has flown straight out the window since now, the cost for certain items is so high there isn't a hope in hell of them using it without gear fear. The only reason my duo can play this patch is because I have so much money and stuff that I can supply him shit when he needs it so he doesn't have to come in with a shitty vepr. And yes, you can kill a dude in class 5 armor with a shitty gun, but the odds are so stacked against you that even experienced players can have trouble doing this letalone those who aren't the best at the game as is. The flea helps these players by making it so they can actually get decent items. I have also seen the arguement of "you shouldn't always run the gun you want", I'm sorry but this is the dumbest excuse I have ever heard since 99% of these people will run meta m4's that they can run whenever they want because they can buy that shit from the trader. You money is what dictates what you can and can't run and this is what dictated them before. They paid more for stuff which gave them an incentive to level up the traders, but actually gave them a chance to get to the higher traders. Having to run a vepr for weeks on end because thats the only thing you can afford to have access to sounds about as enjoyable as playing without 1 hand.
The flea listing price. I have seen botches for issues for this game in my time playing it, but this has to be the single most ridiculous botch I have ever seen. You make it so we need to exfil from raids to sell shit on the flea. This massively lowers the number of these items on the flea while the demand is at an all time high since there are so many players. Anybody could've guessed the prices were also going to skyrocket just like the shotgun choke. And now items that should be expensive like dfuel have listing fee's so insane because the listing fee seems to be going off of the trader purchase price which as discussed, is already stupidly low.
I'm just incredibly irritated about how something that improved the game 10 fold is being nerfed and nerfed to the point of it being basically pointless. I know that it has improved some things like making surviving mean a hell of a lot more, but the negatives for me out weight the positives by a country mile. The pouches were a great mechanic in this game no other had at the time or has that imrpoves gear fear so much. But when it is nerfed time after time affecting the entire playerbase for the 1% of people that abused it then there is something seriously wrong IMO. You guys said yourselfs in a podcast that you would start buffing other styles of play rather than nerfing all, please put this into practice.
submitted by JCglitchmaster to EscapefromTarkov [link] [comments]

Transcript of Bitcoin ABC’s Amaury Sechet presenting at the Bitcoin Cash City conference on September 5th, 2019

Transcript of Bitcoin ABC’s Amaury Sechet presenting at the Bitcoin Cash City conference on September 5th, 2019
I tried my best to be as accurate as possible, but if there are any errors, please let me know so I can fix. I believe this talk is important for all Bitcoin Cash supporters, and I wanted to provide it in written form so people can read it as well as watch the video: https://www.youtube.com/watch?v=uOv0nmOe1_o For me, this was the first time I felt like I understood the issues Amaury's been trying to communicate, and I hope that reading this presentation might help others understand as well.
Bitcoin Cash’s Culture
“Okay. Hello? Can you hear me? The microphone is good, yeah?
Ok, so after that introduction, I’m going to do the only thing that I can do now, which is disappoint you, because well, that was quite something.
So usually I make technical talks and this time it’s going to be a bit different. I’m going to talk about culture in the Bitcoin Cash ecosystem. So first let’s talk about culture, like what is it? It’s ‘the social behaviors and norms found in human society.’
So we as the Bitcoin Cash community, we are a human society, or at least we look like it. You’re all humans as far as I know, and we have social behaviors and norms, and those social behaviors and norms have a huge impact on the project.
And the reason why I want to focus on that point very specifically is because we have better fundamentals and we have a better product and we are more useful than most other cryptos out there. And I think that’s a true statement, and I think this is a testimony of the success of BCH. But also, we are only just 3% of BTC’s value. So clearly there is something that we are not doing right, and clearly it’s not fundamental, it’s not product, it’s not usefulness. It’s something else, and I think this can be found somewhat in our culture.
So I have this quote here, from Naval Ravikant. I don’t know if you guys know him but he’s a fairly well known speaker and thinker, and he said, “Never trust anyone who does not annoy you from time to time, because it means that they are only telling you what you want to hear.”
And so today I am going to annoy you a bit, in addition to disappointing you, so yeah, it’s going to be very bad, but I feel like we kind of need to do it.
So there are two points, mainly, that I think our culture is not doing the right thing. And those are gonna be infrastructure and game theory. And so I’m going to talk a little bit about infrastructure and game theory.
Right, so, I think there are a few misconceptions by people that are not used to working in software infrastructure in general, but basically, it works like any other kind of infrastructure. So basically all kinds of infrastructure decay, and we are under the assumption that technology always gets better and better and better and never decays. But in terms of that, it actually decays all the time, and we have just a bunch of engineers working at many many companies that keep working at making it better and fighting that decay.
I’m going to take a few examples, alright. Right now if you want to buy a cathode ray tube television or monitor for your computer (I’m not sure why you want to do that because we have better stuff now), but if you want to buy that, it’s actually very difficult now. There are very little manufacturers that even know how to build them. We almost forgot as a human society how to build those stuff. Because, well, there was not as high of a demand for them as there was before, and therefore nobody really worked on maintaining the knowledge or the know how, and the factories, none of that which are required to build those stuff, and therefore we don’t build them. And this is the same for vinyl discs, right? You can buy vinyl disk today if you want, but it’s actually more expensive than it used to be twenty years ago.
We used to have space shuttles. Both Russia and US used to have space shuttles. And now only the US have space shuttles, and now nobody has space shuttles anymore.
And there is an even better counter example to that. It’s that the US, right now, is refining Uranium for nuclear weapons. Like on a regular basis there are people working on that problem. Except that the US doesn’t need any new uranium to make nuclear weapons because they are decommissioning the weapons that are too old and can reuse that uranium to build the new weapon that they are building. The demand for that is actually zero, and still there are people making it and they are just basically making it and storing it forever, and it’s never used. So why is the US spending money on that? Well you would say governments are usually pretty good at spending money on stuff that are not very useful, but in that case there is a very good reason. And the good reason is that they don’t want to forget how it’s done. Because maybe one day it’s going to be useful. And acquiring the whole knowledge of working with uranium and making enriched uranium, refining uranium, it’s not obvious. It’s a very complicated process. It involves very advanced engineering and physics, a lot of that, and keeping people working on that problem ensures that knowledge is kept through time. If you don’t do that, those people are going to retire and nobody will know how to do it. Right.
So in addition to decaying infrastructure from time to time, we can have zero days in software, meaning problems in the software that are not now exploited live on the network. We can have denial of service attack, we can have various failures on the network, or whatever else, so just like any other infrastructure we need people that essentially take care of the problem and fight the decay constantly doing maintenance and also be ready to intervene whenever there is some issue. And that means that even if there is no new work to be done, you want to have a large enough group of people that are working on that everyday just making it all nice and shiny so that when something bad happens, you have people that understand how the system works. So even if for nothing else, you want a large enough set of people working on infrastructure for that to be possible.
So we’re not quite there yet, and we’re very reliant on BTC. Because the software that we’re relying on to run the network is actually a fork to the BTC codebase. And this is not specific to Bitcoin Cash. This is also true for Litecoin, and Dash, and Zcash and whatever. There are many many crypotos that are just a fork of the Bitcoin codebase. And all those crypos they actually are reliant on BTC to do some maintenance work because they have smaller teams working on the infrastructure. And as a result any rational market cannot price those other currencies higher than BTC. It would just not make sense anymore. If BTC were to disappear, or were to fail on the market, and this problem is not addressed, then all those other currencies are going to fail with it. Right? And you know that may not be what we want, but that’s kind of like where we are right now.
So if we want to go to the next level, maybe become number one in that market, we need to fix that problem because it’s not going to happen without it.
So I was mentioning the 3% number before, and it’s always very difficult to know what all the parameters are that goes into that number, but one of them is that. Just that alone, I’m sure that we are going to have a lower value than BTC always as long as we don’t fix that problem.
Okay, how do we fix that problem? What are the elements we have that prevent us from fixing that problem? Well, first we need people with very specific skill sets. And the people that have experience in those skill sets, there are not that many of them because there are not that many places where you can work on systems involving hundreds of millions, if not billions of users, that do like millions of transactions per second, that have systems that have hundreds of gigabytes per second of throughput, this kind of stuff. There are just not that many companies in the world that operate on that scale. And as a result, the number of people that have the experience of working on that scale is also pretty much limited to the people coming out of those companies. So we need to make sure that we are able to attract those people.
And we have another problem that I talked about with Justin Bons a bit yesterday, that we don’t want to leave all that to be fixed by a third party.
It may seem nice, you know, so okay, I have a big company making good money, I’m gonna pay people working on the infrastructure for everybody. I’m gonna hire some old-time cypherpunk that became famous because he made a t-shirt about ERISA and i’m going to use that to promote my company and hire a bunch of developers and take care of the infrastructure for everybody. It’s all good people, we are very competent. And indeed they are very competent, but they don’t have your best interest in mind, they have their best interest in mind. And so they should, right? It’s not evil to have your own interest in mind, but you’ve got to remember that if you delegate that to others, they have their best interest in mind, they don’t have yours. So it’s very important that you have different actors that have different interests that get involved into that game of maintaining the infrastructure. So they can keep each other in check.
And if you don’t quite understand the value proposition for you as a business who builds on top of BCH, the best way to explain that to whoever is doing the financials of your company is as an insurance policy. The point of the insurance on the building where your company is, or on the servers, is so that if everything burns down, you can get money to get your business started and don’t go under. Well this is the same thing. Your business relies on some infrastructure, and if this infrastructure ends up going down, disappearing, or being taken in a direction that doesn’t fit your business, your business is toast. And so you want to have an insurance policy there that insures that the pieces that you’re relying on are going to be there for you when you need them.
Alright let’s take an example. In this example, I purposefully did not put any name because I don’t want to blame people. I want to use this as an example of a mistake that were made. I want you to understand that many other people have done many similar mistakes in that space, and so if all you take from what I’m saying here is like those people are bad and you should blame them, this is like completely the wrong stuff. But I also think it’s useful to have a real life example.
So on September 1st, at the beginning of the week, we had a wave of spam that was broadcasted on the network. Someone made like a bunch of transactions, and those were very visibly transactions that were not there to actually do transactions, they were there just to create a bunch of load on the network and try to disturb its good behavior.
And it turned out that most miners were producing blocks from 2 to 8 megabytes, while typical market demand is below half a megabyte, typically, and everything else above that was just spam, essentially. And if you ask any people that have experience in capacity planning, they are going to tell you that those limits are appropriate. The reason why, and the alternative to raising those limits that you can use to mitigate those side effects are a bit complicated and they would require a talk in and of itself to go into, so I’m going to just use an argument from authority here, but trust me, I know what I’m talking about here, and this is just like raising those limits is just not the solution. But some pool decided to increase that soft cap to 32 megs. And this has two main consequences that I want to dig in to explain what is not the right solution.
And the first one is that we have businesses that are building on BCH today. And those businesses are the ones that are providing value, they are the ones making our network valuable. Right? So we need to treat those people as first class citizens. We need to attract and value them as much as we can. And those people, they find themselves in the position where they can either dedicate their resources and their attention and their time to make their service better and more valuable for users, or maybe expand their service to more countries, to more markets, to whatever, they can do a lot of stuff, or they can spend their time and resources to make sure the system works not when you have like 10x the usual load, but also 100x the usual load. And this is something that is not providing value to them, this is something that is not providing value to us, and I would even argue that this is something that is providing negative value.
Because if those people don’t improve their service, or build new services, or expand their service to new markets, what’s going to happen is that we’re not going to do 100x. 100x happens because people provide useful services and people start using it. And if we distract those people so that they need to do random stuff that has nothing to do with their business, then we’re never going to do 100x. And so having a soft cap that is way way way above what is the usual market demand (32 megs is almost a hundred times what is the market demand for it), it’s actually a denial of service attack that you open for anyone that is building on the chain.
We were talking before, like yesterday we were asking about how do we attract developers, and one of the important stuff is that we need to value that over valuing something else. And when we take this kind of move, the signal that we send to the community, to the people working on that, is that people yelling very loudly on social media, their opinion is more valued than your work to make a useful service building on BCH. This is an extremely bad signal to send. So we don’t want to send those kind of signals anymore.
That’s the first order effect, but there’s a second order effect, and the second order effect is to scale we need people with experience in capacity planning. And as it turns out big companies like Google, and Facebook, and Amazon pay good money, they pay several 100k a year to people to do that work of capacity planning. And they wouldn’t be doing that if they just had to listen to people yelling on social media to find the answer. Right? It’s much cheaper to do the simple option, except the simple option is not very good because this is a very complex engineering problem. And not everybody is like a very competent engineer in that domain specifically. So put yourself in the shoes of some engineers who have skills in that particular area. They see that happening, and what do they see? The first thing that they see is that if they join that space, they’re going to have some level of competence, some level of skill, and it’s going to be ignored by the leaders in that space, and ignoring their skills is not the best way to value it as it turns out. And so because of that, they are less likely to join it. But there is a certain thing that they’re going to see. And that is that because they are ignored, some shit is going to happen, some stuff are going to break, some attacks are going to be made, and who is going to be called to deal with that? Well, it’s them. Right? So not only are they going to be not valued for their stuff, the fact that they are not valued for their stuff is going to put them in a situation where they have to put out a bunch of fires that they would have known to avoid in the first place. So that’s an extremely bad value proposition for them to go work for us. And if we’re going to be a world scale currency, then we need to attract those kinds of people. And so we need to have a better value proposition and a better signaling that we send to them.
Alright, so that’s the end of the first infrastructure stuff. Now I want to talk about game theory a bit, and specifically, Schelling points.
So what is a Schelling point? A Schelling point is something that we can agree on without especially talking together. And there are a bunch of Schelling points that exist already in the Bitcoin space. For instance we all follow the longest chain that have certain rules, right? And we don’t need to talk to each other. If I’m getting my wallet and I have some amount of money and I go to any one of you here and you check your wallet and you have that amount of money and those two amounts agree. We never talk to each other to come to any kind of agreement about how much each of us have in terms of money. We just know. Why? Because we have a Schelling point. We have a way to decide that without really communicating. So that’s the longest chain, but also all the consensus rules we have are Schelling points. So for instance, we accept blocks up to a certain size, and we reject blocks that are bigger than that. We don’t constantly talk to each other like, ‘Oh by the way do you accept 2 mb blocks?’ ‘Yeah I do.’ ‘Do you accept like 3 mb blocks? And tomorrow will you do that?’
We’re not doing this as different actors in the space, constantly worrying each other. We just know there is a block size that is a consensus rule that is agreed upon by almost everybody, and that’s a consensus rule. And all the other consensus rules are effectively changing Schelling points. And our role as a community is to create valuable Schelling points. Right? You want to have a set of rules that provide as much value as possible for different actors in the ecosystem. Because this is how we win. And there are two parts to that. Even though sometimes we look and it’s just one thing, but there are actually two things.
The first one is that we need to decide what is a valuable Schelling point. And I think we are pretty good at this. And this is why we have a lot of utility and we have a very strong fundamental development. We are very good at choosing what is a good Schelling point. We are very bad at actually creating it and making it strong.
So I’m going to talk about that.
How do you create a new Schelling point. For instance, there was a block size, and we wanted a new block size. So we need to create a new Schelling point. How do you create a new Schelling point that is very strong? You need a commitment strategy. That’s what it boils down to. And the typical example that is used when discussing Schelling points is nuclear warfare. So think about that a bit. You have two countries that both have nuclear weapons. And one country sends a nuke on the other country. Destroys some city, whatever, it’s bad. When you look at it from a purely rational perspective, you will assume that people are very angry, and that they want to retaliate, right? But if you put that aside, there is actually no benefit to retaliating. It’s not going to rebuild the city, it’s not going to make them money, it’s not going to give them resources to rebuild it, it’s not going to make new friends. Usually not. It’s just going to destroy some stuff in the other guy that would otherwise not change anything because the other guys already did the damage to us. So if you want nuclear warfare to actually prevent war like we’ve seen mostly happening in the past few decades with the mutually assured destruction theory, you need each of those countries to have a very credible commitment strategy, which is if you nuke me, I will nuke you, and I’m committing to that decision no matter what. I don’t care if it’s good or bad for me, if you nuke me, I will nuke you. And if you can commit to that strongly enough so that it’s credible for other people, it’s most likely that they are not going to nuke you in the first place because they don’t want to be nuked. And it’s capital to understand that this commitment strategy, it’s actually the most important part of it. It’s not the nuke, it’s not any of it, it’s the commitment strategy. You have the right commitment strategy, you can have all the nuke that you want, it’s completely useless, because you are not deterring anyone from attacking you.
There are many other examples, like private property. It’s something usually you’re going to be willing to put a little bit of effort to defend, and the effort is usually way higher than the value of the property itself. Because this is your house, this is your car, this is your whatever, and you’re pretty committed to it, and therefore you create a Schelling point over the fact that this is your house, this is your car, this is your whatever. People are willing to use violence and whatever to defend their property. This is effectively, even if you don’t do it yourself, this is what happens when you call the cops, right? The cops are like you stop violating that property or we’re going to use violence against you. So people are willing to use a very disproportionate response even in comparison to the value of the property. And this is what is creating the Schelling point that allows private property to exist.
This is the commitment strategy. And so the longest chain is a very simple example. You have miners and what miners do when they create a new block, essentially they move from one Schelling point when a bunch of people have some amount of money, to a new Schelling point where some money has moved, and we need to agree to the new Schelling point. And what they do is that they commit a certain amount of resources to it via proof of work. And this is how they get us to pay attention to the new Schelling point. And so UASF is also a very good example of that where people were like we activate segwit no matter what, like, if it doesn’t pan out, we just like busted our whole chain and we are dead.
Right? This is like the ultimate commitment strategy, as far as computer stuff is involved. It’s not like they actually died or anything, but as far as you can go in the computer space, this is very strong commitment strategy.
So let me take an example that is fairly inconsequential in its consequences, but I think explains very well. The initial BCH ticker was BCC. I don’t know if people remember that. Personally I remember reading about it. It was probably when we created it with Jonald and a few other people. And so I personally was for XBC, but I went with BCC, and most people wanted BCC right? It doesn’t matter. But it turned out that Bitfinex had some Ponzi scheme already listed as BCC. It was Bitconnect, if you remember. Carlos Matos, you know, great guy, but Bitconnect was not exactly the best stuff ever, it was a Ponzi scheme. And so as a result Bitifnex decided to list Bitcoin Cash as BCH instead of BCC, and then the ball started rolling and now everybody uses BCH instead of BCC.
So it’s not all that bad. The consequences are not that very bad. And I know that many of you are thinking that right now. Why is this guy bugging us about this? We don’t care if it’s BCC or BCH. And if you’re doing that, you are exactly proving my point.
Because … there are people working for Bitcoin.com here right? Yeah, so Bitcoin.com is launching an exchange, or just has launched, it’s either out right now or it’s going to be out very soon. Well think about that. Make this thought experiment for yourself. Imagine that Bitcoin.com lists some Ponzi scheme as BTC, and then they decide to list Bitcoin as BTN. What do you think would be the reaction of the Bitcoin Core supporter? Would they be like, you know what? we don’t want to be confused with some Ponzi scheme so we’re going to change everything for BTN. No, they would torch down Roger Ver even more than they do now, they would torch down Bitcoin.com. They would insult anyone that would suggest that this was a good idea to go there. They would say that everyone that uses the stuff that is BTC that it’s a ponzi scheme, and that it’s garbage, and that if you even talk about it you are the scum of the earth. Right? They would be extremely committed to whatever they have.
And I think this is a lesson that we need to learn from them. Because even though it’s a ticker, it’s not that important, it’s that attitude that you need to be committed to that stuff if you want to create a strong Schelling point, that allows them to have a strong Schelling point, and that does not allow us to have that strong of a Schelling point.
Okay, so yesterday we had the talk by Justin Bons from Cyber Capital, and one of the first things he said in his talk, is that his company has a very strong position in BCH. And so that changed the whole tone of the talk. You gotta take him seriously because his money is where his mouth is. You know that he is not coming on the stage and telling you random stuff that comes from his mind or tries to get you to do something that he doesn’t try himself. That doesn’t mean he’s right. Maybe he’s wrong, but if he’s wrong, he’s going bankrupt. And you know just for that reason, maybe it’s worth it to listen to it a bit more than some random person saying random stuff when they have no skin in the game.
And it makes him more of a leader in the space. Okay we have some perception in this space that we have a bunch of leaders, but many of them don’t have skin in the game. And it is very important that they do. So when there is some perceived weakness from BCH, if you act as an investor, you are going to diversify. If you act as a leader, you are going to fix that weakness. Right? And so, leaders, it’s not like you can come here and decide well, I’m a leader now. Leaders are leaders because people follow them. It seems fairly obvious, but … and you are the people following the leaders, and I am as well. We decide to follow the opinion of some people more than the opinion of others. And those are the defacto leaders of our community. And we need to make sure that those leaders that we have like Justin Bons, and make sure that they have a strong commitment to whatever they are leading you to, because otherwise you end up in this situation:

https://preview.redd.it/r23dptfobcl31.jpg?width=500&format=pjpg&auto=webp&s=750fbd0f1dc0122d2791accc59f45a235a522444
Where you got a leader, he’s getting you to go somewhere, he has some goal, he has some whatever. In this case he is not that happy with the British people. But he’s like give me freedom or give me death, and he’s going to fight the British, but at the same time he’s like you know what? Maybe this shit isn’t gonna pan out, you gotta make sure you have your backup plan together, you have your stash of British pound here. You know, many of us are going to die, but that’s a sacrifice I’m willing to make.
That’s not the leader that you want.
I’m going to go to two more examples and then we’re going to be done with it. So one of them is Segwit 2x. Segwit 2x came with a time where some people wanted to do UASF. And UASF was essentially people that set up a modified version of their Bitcoin node that would activate segwit on August 1, no matter what. Right? No matter what miners do, no matter what other people do, it’s going to activate segwit. And either I’m going to be on the other fork, or I’m going to be alone and bust. Well, the alternative proposal was segwit 2x. Where people would activate segwit and then increase the size of the block. And what happened was that one of the sides had a very strong commitment strategy, and the other side, instead of choosing a proportional commitment strategy, what they did was that they modified the activation of segwit 2x to be compatible with UASF. And in doing so they both validate the commitment strategy done by the opposite side, and they weaken their own commitment strategy. So if you look at that, and you understand game theory a bit, you know what’s going to happen. Like the fight hasn’t even started and UASF has already won. And when I saw that happening, it was a very important development to me, because I have some experience in game theory, a lot of that, so I understood what was happening, and this is what led me to commit to BCH, which was BCC at the time, 100%. Because I knew segwit 2x was toast, even though it had not even started, because even though they had very strong cards, they are not playing their cards right, and if you don’t play your cards right, it doesn’t matter how strong your cards are.
Okay, the second one is emergent consensus. And the reason I wanted to put those two examples here is because I think those are the two main examples that lead to the fact that BTC have small blocks and we have big blocks and we’re a minority chain. Those are like the two biggest opportunities we had to have big blocks on BTC and we blew both of them for the exact same reason.
So emergent consensus is like an interesting technology that allows you to trade your bigger block without splitting the network. Essentially, if someone starts producing blocks that are bigger than … (video skips) ,,, The network seems to be following the chain that has larger blocks, eventually they’re going to fall back on that chain, and that’s a very clevery mechanism that allows you to make the consensus rules softer in a way, right? When everybody has the same consensus rules, it still remains enforced, but if a majority of people want to move to a new point, they can do so by bringing others with them without creating a fork. That is a very good activation mechanism for changing the block size, for instance, or it can be used to activate other stuff.
There is a problem, though. This mechanism isn’t able to set a new point. It’s a way to activate a new Schelling point when you have one, but it provides no way to decide when and where or to what value or to anything to where we are going. So this whole strategy lacks the commitment aspect of it. And because it lacks the commitment aspect of it, it was unable to activate properly. It was good, but it was not sufficient in itself. It needs to be combined with a commitment strategy. And especially on that one there are some researchers that wrote a whole paper (https://eprint.iacr.org/2017/686.pdf) unpacking the whole game theory that essentially come to that conclusion that it’s not going to set a new size limit because it lacked the commitment aspect of it. But they go on like they model all the mathematics of it, they give you all the numbers, the probability, and the different scenarios that are possible. It’s a very interesting paper. If you want to see, like, because I’m kind of explaining the game theory from a hundred mile perspective, but actually you can deep dive into it and if you want to know the details, they are in there. People are doing that. This is an actual branch of mathematics.
Alright, okay so conclusion. We must avoid to weaken our commitment strategy. And that means that we need to work in a way where first there is decentralization happening. Everybody has ideas, and we fight over them, we decide where we want to go, we put them on the roadmap, and once it’s on the roadmap, we need to commit to it. Because when people want to go like, ‘Oh this is decentralized’ and we do random stuff after that, we actually end up with decentralization, not decentralization in a cooperative manner, but like in an atomization manner. You get like all the atoms everywhere, we explode, we destroy ourself.
And we must require a leader to have skin in the game, so that we make sure we have good leaders. I have a little schema to explain that. We need to have negotiations between different parties, and because there are no bugs, the negotiation can last for a long time and be tumultuous and everything, and that’s fine, that’s what decentralization is looking like at that stage, and that’s great and that makes the system strong. But then once we made a decision, we got to commit to it to create a new Schelling point. Because if we don’t, the new Schelling point is very weak, and we get decentralization in the form of disintegration. And I think we have not been very good to balance the two. Essentially what I would like for us to do going forward is encouraging as much as possible decentralization in the first form. But consider people who participate in the second form, as hostile to BCH, because their behavior is damaging to whatever we are doing. And they are often gonna tell you why we can’t do that because it’s permissionless and decentralized, and they are right, this is permissionless and decentralized, and they can do that. We don’t have to take it seriously. We can show them the door. And not a single person can do that by themself, but as a group, we can develop a culture where it’s the norm to do that. And we have to do that.”
submitted by BCHcain to btc [link] [comments]

My wife (32F) is threatening to leave me if I (30M) don't get what she considers help for my depression. This isn't the first time she has threatened to leave me.

This is going to be a long post.
I met my wife online 8 years ago. We lived across the country from each other and kept a long distance relationship going well, and go the opportunity to see each other every few months for weeks at a time. We would fall asleep on Skype together every night, text each other throughout the day, and phone each other when we had time to talk or wanted to play games together. In 2013 after a year and a half of dating I asked her to marry me and she said yes.
I was overjoyed! I had spent my highschool years as the guy that everyone avoided because my mother had been sending me to therapy for over 10 years for issues that may have been real at the time of my childhood, but regressed as I grew into adulthood. I would routinely take a cocktail of 8 different medications in the morning and before bed, and my friends are the time would better describe me as a zombie over a functional human being. I had issues holding conversation, would regularly space out, could not perform sexually, and could not get good grades in college. After I got married to my wife, we got an apartment together, and I stopped my medication cold turkey of my own volition.
I was a new man, I no longer any of my previous issues and I felt free and full of life. I never resented my mother because she only had my best interests in mind, and was not doing sending me to therapy and keeping me medicated for her own peace of mind. My parents gave me a great life growing up and gave me everything I ever wanted, being from an upper class household, they bought me a brand new car for college, anything I wanted growing up, and would support me financially on almost anything I wanted within reason. My college was fully paid for and I went to one of the best private schools in the area while growing up. I had been to every continent in the world, visited tons of grand architecture and theme parks, and seen so many wonderful things, and I was looking forward to sharing that life with my new wife.
My wife did not have the upbringing I did. She was the second oldest of 6 children. Growing up, she did not get any luxury. From having to work a summer job to buy her own school supplies and clothes, to dealing with an elder brother that sexually assaulted her every month while her parents slept, to a junkie father that would work odd jobs only to get money to get high, and a mother that worked 3 jobs to keep a roof over her children's head, her child hood was not easy. Her parents got divorced when she was 17, after being together for 23 years. Her father never gave her any love despite her efforts, she would regularly make love notes and lunches for him growing up, only to find them crumpled up and thrown in the trash and never responded to. Her elder brother would force her to give him oral at least a few times a month from the age of 15-16 while everyone in the house was asleep. Her father left and had no contact with her since she was 19, only showing back up in her life for our wedding, just to disappear again. He hasn't spoken to her in 4 years now.
Before we got married, I flew out to meet her, and we packed up everything she owned and put it in her car. We drove 2900 miles across the US to move her into our house with my parents, and after we got married, my parents paid for us to get an apartment near their house. We were so happy! After we moved in together after getting married, we both were young, only 23 and 25. We worked fast food and don't have a lot of money, surviving on only a hundred dollars of food a month. But, because we were together, everything was ok.
Or so I thought. My wife has constantly struggled with insecurity since we got married. We made sure when we got married that we would keep our finances separate. She was a bad money manager and didn't want to "ruin me" like she had ruined herself. She would break down sometimes for no reason begging me not to leave her, and I have never done anything to make it seem like I was. My parents decided that since I had gotten married and was doing OK, they were going to give me part of my inheritance up front. I took this money to pay off all our debt, I paid off half her student loans, and I would take care of any issues that came up for her that she couldn't handle without complaint. She crashed her car, I helped her buy a new one, she couldn't pay a bill, no problem, I've got her covered. Anything she felt she couldn't handle, I was always right there to support her.
Near the end of our first year together, my wife for some reason had reached the end of her rope. If we didn't move out of the big city where she didn't have any friends or know how to get anywhere, she was going to leave me. It wasn't me, but she said was devastatingly homesick, and said she couldn't live here any longer. She had made a real home away from her parents at her college town, and her best friend of 6 years lived there, who had supported her through thick and thin. Despite my aversion to this at first, I could tell that moving back home where her best friend lived and what was familiar to her was important. After 2 weeks of talking about it, I agreed to move with her back to what she considered home. My parents were planning to move around this time as well, as they no longer had any children and we're looking to downsize their home. So, for her, I left my hometown of 25 years, and all my friends that I grew up with.
My parents gave me money for us to buy our first house, and another 30 thousand on top. My wife and I found a nice 3 bedroom, 2 bathroom single family home, and bought it outright with cash. Because there was money left over, we used that for moving costs, and I began searching for a job I knew I would enjoy, while living off the interest on my savings. We were working on having a child and I knew that a kid was going to be expensive, so I was trying to make sure we had the money to support our child, and I could still make my wife happy.
In 2015, 2 years after we moved into our house, my wife said she was going to leave me again. Despite her only ever needing to pay her bills (she had gotten herself into more credit card debt), despite her crashing another car and me paying a $5,000 down payment to buy her another new one (she had to get a loan out), despite me spending time with her every night and never going anywhere without her, taking her on trips and little date nights to make her happy, she was threatening to leave again. A month after her telling me this, my father passed away from early onset Alzheimer's. I was having a rough few months.
We were having trouble conceiving and she was having severe body confidence issues. She was convinced that before I left her for someone else, she was going to have to leave me. Since we had gotten married, she had gained over 100 pounds, and I had never made an issue about it, other than showing concern for her health (her family has a history of diabetes and heart disease). She said that despite me continuing to support her in all her hobbies (she likes dancing and volunteering at the pet shelter), me not having a job was stressing her out because she wasn't sure that I could keep helping her. Despite my reassurances, she believed that I was going to leave her for someone better, and that she needed to leave before I did. No re-assurance I gave her would stop her from believing that I was going to be gone the next time she came home from work.
She started self harming. When she was younger, she frequently thought that the reason that her mother was never around, her father left, her brother abused her, was all her fault. Hurting herself made her feel like she was being punished, and that her sins were being forgiven. Her church growing up was very abusive. They would make people stand up in front of the entire congregation and "confess" their sins in front of everyone. When she had premarital sex with her first boyfriend, she almost killed herself after when her mother found out and made her "confess" to the congregation. She hospitalized herself with a suicide attempt after this happened, and has never respected her mother since.
I called up our PCP and told her that my wife dseperately needed help. After an appointment, blood work, and a CT scan for the issues with concieving, she was diagnosed with Severe Depression, Insulin Resistance, and PCOS. She was put on medication and around this time I had found a job, so I told her that she could cut back on her hours and I would start helping her with her bills. We also started looking for a therapist for her. She started going to the therapist and she seemed a lot happier. We were having fun with friends again, and she felt like the happy, bubbly woman I married again.
In early 2016, we got great news! We were pregnant! Because I was making enough money at the time to pay her bills and mine, she was able to only work 20 hours a week through her pregnancy, and then her job gave her 6 months leave when the baby was due. While she was a few months along, she unfortunately got into another car accident, and so again, I helped her buy a new care, this time a minivan, because she wanted it for our kids. She was going to pay for it again, because she said she was tired of me paying for everything for her again. I have no issues with this as I never have, because whenever I try to pay for something, she doesn't let me.
When we had our child, I had saved up enough money to start my own business. Using the money I had saved, I started up a computer system building company, and servicing the local area, I was able to be home a lot more than working my job, and still make the same amount of money. The business started doing extremely well, and I hired a few employees and a friend of mine to work for me, letting me spend more time with my wife and newborn daughter.
Then, we started having problems again. My wife was in a lot of credit card debt from not managing her money ($30,000), and she had been hiding it from me. She was having issues breastfeeding our kid and would break down for hours at a time over not being able to do it. She was diagnosed with post-partum depression and started going to a different therapist. I wasn't making enough money for paying for our insurance, electrical, car payments, taxes and the credit card debt she had built up. I was upset, but it's extremely uncharacteristic for me to get mad about money, because I have always had money. I offered to use our house savings (we were saving up for a bigger house to have more kids) and pay off her debt again. She said no.
She decided she was going work full time again. I helped her get a debt consolidation loan for her cards, and she began working full time while I took care of our daughter.
This was in the beginning of 2017.
Towards the middle of 2017, our life was going great. My business had taken off, and I was making $10,000 dollars profit a month. I had gotten early in on cryptocurrency back in 2013, and was riding high on the bull run from Bitcoin. My company made crypto mining machines due to having a ton of stock from system building, and we were selling those for record amounts. My wife had cut down to part time because I could afford the extra to help her bills, and she could spend more time with me and our daughter. Things couldn't of been better.
Then in 2018, the crypto market crashed. My cryptocurrency that had been worth almost $500k crashed down to $60k of value in the span of a month and a half. I had to start selling it to pay off debt the company had taken on to expand, or else it was going to hurt me more. But I kept holding onto the majority of it.
I kept my business running, but things were winding down because the crypto run was over. We were operating on razor thin margins. In May of 2018, I stopped paying myself while still running the business to make sure I could keep paying my employees. I was still getting a stipend from investments every month in the amount of a few thousand, so I could afford to not pay myself. I was still taking care of my daughter, but my wife had to go back up to full time. I started looking for jobs, figuring with my 2 associates degrees and my master degree, I could get a good job easy.
In the beginning of 2019, I found out my wife had gotten another $25,000 of credit card debt she was hiding from me. She was eating out daily, bringing home for us to eat, and telling me she was making enough money to afford it. She was now up to almost $45,000 of debt, not including her car. I was upset. I told her she can't keep spending money like we have millions. My business wasn't going well, and we needed to cut back our spending so we can get a bigger house to have another kid like she wants. She broke down again.
She admitted she had a money management issue. She locked all her credit cards up in the house safe, and she agreed to only spend money off her debit card.
Then, the trade wars hit. Our stock account took a huge hit, and because I didn't have strong hands, I sold, at a loss of almost $55,000 dollars. Our stock brokerage trading account that had almost 70k of assets was only worth around $15k dollars. I no longer had the money to cover paying off my wife's debt in an emergency.
In April of 2019, we just received our income taxes, due to my losses from last year, and reduced income, we were due back a large amount. I had unfortunately cut down the business to only myself working for it, as the company still had debt that was used a few years ago to expand to pay off. I still have kept the business operating, unable to pay myself for close to a year now, having to sell crypto to cover bills when business wasn't good enough.
The first day of May, I took this money and put it back in the stock market, but due to weak hands again, I lost 60% of it again before the markets rebounded. The trade wars had taken a ton of my wealth again. Our brokerage account was now worth less than $10k, and I withdrew the rest to put it into my checking account.
Over the past 6 months, I've had to sell off all my remaining cryptocurrency. I have none left. I have to continue running my business in it's dilapidated state, only making enough to pay the bills at the end of the month. I have gotten down to my last $5,000 in cash, and my monthly inheritance stipend, barely pays the bills for the house.
All of the money my wife makes goes to paying off her credit card debt, her student loans, and her car payment. When she comes home, she sits down and plays video games while letting our 3 year old run wild and destroy the house while I sleep. We are trying to potty train, but that's not going well, and when I'm sleeping, our daughter will routinely use the bathroom on the floor then smear it on the walls. My wife will not always notice, and I will wake up having to clean up shit off the walls.
I have been breaking down nonstop. I cannot handle the level of stress I have been having. I have interviewed for 12 jobs in the past 6 months, and not gotten hired. I have applied to over 30. I have lost over $100k of our savings in the past year alone. I never get to see my wife because when she is working, I have to take care of our daughter, and when she gets home, I have to sleep so I can make sure I'm able to work while they are sleeping, because I am unable to work while they're both awake. I make it a priority to make sure I spend a few hours with my wife and daughter a day, so they have time with me.
My wife has not been a responsible adult for months now. She doesn't do her small part of the chores, which is simply do the laundry every week. Every week I take out the trash, clean up the yard, do all the dishes, cook dinner daily, vacuum the house daily, clean up my daughters shit and piss off the floor daily, clean up the mess that my daughter makes when she's playing. We recently found out my daughter is going to need speech therapy. Our house looks like a disaster zone. Our PCP said the speech therapist will come to our house to make it a more "secure environment" for our daughter to get help in. I'm terrified that we're going to get social services called for the state of our house and lose our daughter, but I physically cannot keep up with keeping it clean by myself, because every time I clean something, something else gets destroyed because my wife doesn't watch our daughter.
My wife will throw trash on the floor in the house. She won't pick up dishes. She won't clean up the toys or help our daughter do that when I'm sleeping. There is shit caked on the wall in the nursery because almost every day I can't find it all and clean it all up when my daughter is awake.
I cracked. I cursed at her for the first time in my life. She broke down, she said she's been so stressed and she's trying. I understand how it is to be stressed, I'm stressed too, but I said we need to try harder for our daughter. I told her I don't want to lose her.
Then 2 weeks ago, a text sent late. I'm sure everyone heard about the Verizon bug where texts got send late. You can read about it https://www.theverge.com/2019/11/7/20953422/text-messages-delayed-received-overnight-valentines-day-delay
I had an old text get sent that said "Do you still need me?"
My wife thought I was going to commit suicide.
She said that if I don't get help she's going to leave me and take our daughter with her. She didn't believe me when I showed her the text issue. She says I've been having depression issues for months, and that she's been asking me to get help. She said her therapist has been telling her for months that I need to go get help, and that the idea to threaten to leave me was her THERAPIST'S IDEA, because that threat has MOTIVATED ME BEFORE. This made me extremely upset. I tell her the same thing I did every time, unless they are going to give me a well paying job or hand me a million dollars, therapy is not going to help me.
But I need advice. I love my wife. I have no reason to leave her. In the almost 8 years we've been married, I've never told her I was going to leave her. I pointed this out to her, she still says she can't trust me when I tell her that. I told her why am I being punished for her insecurity. I have done nothing but try to give her a great life. Yes, we've been having a hard time with money for the past year, and I've been very frustrated, but all couples have issues throughout their relationships. She says she doesn't want our daughter growing up hearing her daddy talk about suicide and her maybe hear that.
I'm just trying to figure out how to handle this. I have friends telling me I should leave her. I don't see why I should. I love my wife. I would never leave her, and I feel like now she needs help again. She has gotten happier in person or at least it seems so, but her therapist telling her to threaten me to make me take action seems like a flag for her therapist. But she likes her therapist and likely wouldn't listen if I asked her to find a new one. I asked her to get therapy when she was severely depressed because she didn't seem like the woman I fell in love with anymore. Maybe part of her has come back, but the woman I fell in love with wouldn't be so irresponsible with our daughter, and wouldn't ignore her chores like she does.
I just don't know what to do. I'm scheduled to see our PCP in Janurary for depression, but I don't think it's going to go like she expects, and she hasn't set any expectations of what she's expecting me to get out of this. She says I'm not the man she married any more, but of course I'm not when I'm broke and at the end of my rope with trying to find a job. I feel like anyone would be frustrated and upset if they were in the same position as me. Every day I wake up, work for my failing business that doesn't pay me, take care of my toddler while my wife works, and never get to do anything fun with my family because we have no money and no one will hire me.
I just don't know what to do. I don't want to lose my wife. I have sacrificed so much for her. I want to make her happy. I want my daughter to not have a broken family like my wife had and grow up happy. After her threatening to leave me again, it feels like she doesn't need me anymore. It hurts me severely that she can say that so easily after everything I have done for her. I know she is stressed, and I feel like her saying she's going to leave me helps her cope somehow. I'm resenting her still seeing the same therapist, giving her advice on her home life off my wife's singular perspective. I just don't know what to think anymore.
I want to make the people I love happy.
submitted by ThrowRALovemywife to relationship_advice [link] [comments]

Just Hit $300k NW! 26 Years Old. $82k Income. Here's My Story.

Hi guys. I've been a subscriber and lurker here for over 5 years and one of my favorite things to read are the "how you got to where you are" stories. I told myself that once I hit $300k, I'd tell the first ~5 years of my FIRE story. I hate lack of transparency and ambiguity, so I'll try to be as open as I can. I tried to include everything that I would want to know if I was reading someone else's post. Feel free to ask me any questions.
There is a TLDR at the bottom of this post. You probably want to read that first to see if you're interested before investing your time in conquering this wall of text.
Also, you can skip the wall of text below about my childhood/college/relationship stuff if you're just interested in the "numbers". I just wanted to include this background to provide context and credibility.
EDITS: 1) Added a little more explanation in the budget section about spendng $200/month on food for 2 people since that has been a recurring question. 2) Added a section on my post-FIRE aspirations since that was another question that people kept asking.
TLDR: Hit $300k net worth at age 26. Frugal, middle-class upbringing. Got a full scholarship to top in-state university. Worked 2-3 jobs every week while attending college to pay for living expenses and saved the rest. Got degree in business. Graduated with no debt and $60k saved up. Parents gave me $10k as a graduation gift. Made $55k/year at my first full-time job after college. 4 years later I currently make $82k at the same company. My monthly budget is ~$820/month. I have been dating my SO for 9 years, living with her for 4 years, and I'm getting married to her in a couple months. She's dead-set on the FIRE path as well. #blessed
submitted by aFinancialWreck to financialindependence [link] [comments]

Weekly Update: Parachute Townhall, Welcome $GET to ParJar, Uptrennd reaches 50k members, Fantom on IncognitoChain... – 6 Dec - 12 Dec'19

Weekly Update: Parachute Townhall, Welcome $GET to ParJar, Uptrennd reaches 50k members, Fantom on IncognitoChain... – 6 Dec - 12 Dec'19
Hi Parachuters! As part of 2 of 3 from today's rapid catch up series of pending updates, here’s your week at Parachute + partners (6 Dec - 12 Dec'19):

As mentioned last week, Cap and Ice hosted a townhall to talk about where we are at and where we are heading along with ample feedback and Q&A from the community. We covered a lot of ground: "value hypothesis for ParJar, Product Market fit, and our growth approach for 2020...performance of two key PAR utility metrics, staking and gas, and how we see growth for each in 2020...questions from the community and reviewed upcoming community initiatives". Click here to catch up on all that happened. GET Protocol’s $GET token was added to ParJar this week. Belated Birthday wishes to Doc Vic from Cuba. Jason lost a 5k $PAR wager with Cap on Victor’s age. Haha. Congratulations to Martha for winning this week’s Parena. As per the latest Fantasy Premier League (#FPL) update shared by LordHades this week, he is still ruling the charts at the top with NovelCloud and Alexis hot on his heels. From next week, "You can now view your first opponent in the 2019/20 FPL Cup on the My Team page - under Leagues". While you slay those miles with the Parachute Running Club (which has done 44 miles so far BTW), here’s a podcast to listen to. Cap’s recommendation: "It's geared towards people building products - but super super useful to think about any products you use. Skip to like 9 minutes in to skip through all the advertiesments ". Yes, I know. Cap wouldn’t be Cap without typos. Typos FTW!
Parachute townhall
Parachute-themed shirts designed by Doc Vic and Alejandro on Doc’s birthday. These are sick!
If you want to see yourself on the Parachute world map, make sure to enter your location here. The entries are anonymous. In this week's Parachute Fantasy Football League update, Hang is in the first position followed by Clinton and Andy. Connor made it to the playoffs and is now in 4th position. So it means farewell to Nilz, Ken, Kamo and Cap from this season. CoD mobile players, don't forget to join the Parachute WarZone hosted by Doc Vic from Cuba. I hear there's $PAR and $AMGO to be won! The TTR Hat Contest ended this week with some solid entries running in the lead. Epic creation Wendell! In this week’s creative prompt by Jason, Parachuters had to “do 3 nice things for a total stranger”. Basically, be a true blue Parachuter 😊. For this week's Two-for-Tuesday, Gian made it free-for-all. No theme. Post music as you wish and win 500 $PAR. Cool! Benjamin and Charlotte hosted trivias in TTR this week. Those were loads of fun! Andy announced the start of a College Football Bowl Game Pickem contest in Parachute. 100k $PAR prize pool. Doc Vic hosted another round of Champions League wager this week in TTR.
So much epicness in one picture. Jose, you are a genius!
Andy's Advent Calendar journey continues
Catch up on the latest aXpire update and 20k AXPR burn here and here respectively. As you would already know, instead of pitting both startups against each other, XIO decided to accept both Opacity and Uptrennd into the incubator program and opened up staking for them. This marks the official launch of the XIO Blockchain Incubator and it’s been a roaring start with USD 7k worth of tokens locked up in one hour and Opacity portal getting oversubscribed in no time. Video instructions for staking can be found here. Read up on the startups here. In three days, the total staking crossed 1M XIO levels. Insane! That is a great metric to measure performance. How does the $XIO token play a role in all this? The crew explained in this tweet thread. And with that a series of related discussions got off starting with the possibility of self-nomination for startups. Have a sub-100 CMC project that you think should be part of the incubator? Don’t forget to tag them. Plus, a cool 25k $XIO giveaway was launched. Remember, meaningful conversation is always welcome at the incubator and more often than not, they get rewarded. Check out the latest update on the Birdchain App SMS feature along with an expanded list of supported countries. Silent Notary reduced the $LAW token requirement for running a Masternode from 100M to 20M this week. Russian research company sudexpa.ru also gave its vote of confidence to Silent Notary in terms of its immutability. Wibson Marketing Manager Fi Scantamburlo attended the Latin American Bitcoin Conference Uruguay to speak on Data privacy, monetisation and how Wibson helps achieve these. Opacity now allows shared file preview for uploaded docs.
Shared File Preview on Opacity
Fantom's foray into the Afghan Ministry of Health's efforts to fight counterfeit drugs and other public health initiatives were covered by Forbes this week. Last week, we shared that Sikoba's e-voting platform, Itugen, which is based on Fantom’s Lachesis consensus was released. This week, they published its technical whitepaper. With so many moving parts in the project and so much happening all around, a recap is always a welcome refresher to catch up. $FTM got listed on South Korea’s Coinone with a $KRW pairing. It was also integrated with the IncognitoChain project’s pDEX with a $pUSDT pairing (remember, Harmony was added to the same platform a few days back?). IncognitoChain allows cryptos to be transacted privately using sidechains including those coins/tokens which are not privacy-oriented. Fantom also launched a developer portal and technical documentation ahead of the XAR Network mainnet release. The interoperability bridge is out as well. This allows both ERC20 and BEP2 token holders to move their tokens to the XAR Network. The wallet allows both staking and delegation. For the guide to joining XAR Network as a validator node, click here. A simple guide to staking on XAR Network can be found here. The team also sat down for an AMA with COTI this week. Blockchain Magazine’s interview of Michael was published. Continuing with Uptrennd’s 24 Days of Celebrations started last week, this week they hosted an Escape Room contest and Photo contest. The latest $1UP tokenomics update can be seen here. After 11 months, the platform now has 50k users across 177 countries. Wowza! And wicked stats on the engagement metrics as well. Jeff’s interview with Crypto Beadles came out this week.
A few entries for the Uptrennd Photo Contest
Click here and here for the latest District Weekly and Dev Update from District0x. In case you missed this week’s Dapp Digest, you can watch it here. Aragon fans will be in for a treat since it features Aragon Co-Founder Luis Cuende as a special guest. Remember, we had discussed last week that the Shuffle Monster Raffle had crossed a 10k $SHUF pool. Turns out it got to 13k+. Wow! The latest Hydro developer update is a comprehensive roundup from the entire ecosystem. VCC Exchange listed $HYDRO with a $BTC pairing. Hydro’s security tokenisation protocol, Hail, moved to mainnet this week. The team travelled to Boston for MassChallenge Fintech. Hydro will be hosting a Banking-as-a-Service happy hour next week to talk on how they are building solutions in the BaaS space. For starters, don’t forget to read their article on blockchain applications in finance. The team appeared for an AMA with Apache Traders which also featured a 45k $HYDRO giveaway. Digital payments platform VoPay is now partnered with Hydro for end-to-end payment solutions using Hydrogen API and other Hydro tools. Hydro’s smart contract was audited by Callisto and passed their test with flying colours except for one "low severity" issue. The result: "The contract can be deployed". CTO Tim Allard was interviewed by Ethereum Network Nigeria as part of their Ethereum personality chat series. For the latest update on the community explorer Frost, click here. In Pynk’s first guest blog post, community member (or, Pynkster) Alistaire Wallace talks about what the coming year could hold for Pynk and its community of predictors. Check out the transcript of Sentivate’s AMA with tehMoonwalkeR here.
Sentivate’s new office in PA is shaping up quite well
This week at OST was all about the Pepo app: from angel investor Kartik to Rocket NFT’s Alex Masmej joining the platform, accelerator The Fledge using Pepo Conversations to power community-sourced improvements to businesses, Home for the Holidays Challenge to explain crypto/blockchain to relatives (with a total USD 2k in Pepo coins in prizes) and a “best lifehack” bounty posted by Jason on the app. If you’ve missed all SelfKey news from the past month, you can catch up from the November progress report. Also, did you know that the group Legion of Doom which was once considered to be the most capable hacking group in the world was in a long drawn feud with Masters of Deception in what is now known as the Great Hacker War? Learn more info like this from SelfKey’s latest article on hacking groups. Constellation CEO Ben Jorgensen will be speaking at the Crypto 2020 Summit. If you’re attending, make sure to say Hi. Arena Match announced a trading competition on DDEX with 4M $AMGO tokens to be won. Lucky Bluff Poker will be sponsoring next week’s Arena Match Raffle. The latest Harmony update compilation from the whole team can be found here. In the latest Pangea statistics (Harmony’s experimental staking game to test the limits of its tech), the average staking position is 1.8M $ONE with 75% of participants operate nodes themselves while the rest use delegates. Plus, check out the newest upgrades here. Honest Mining announced mainnet support for the native $ONE token swap. $ONE is also in consideration for listing on Binance US. The token was listed on Pionex this week. The Intellishare website registration and login functions will be down next week for a scheduled upgrade. Also, $INE traders make sure to keep a note of WBFex temporarily disabling the $ETH trading pair. Jobchain’s $JOB token got listed on Bilaxy exchange, P2PB2B exchange, SWFT Blockchain wallet and SWOP.SPACE exchange. The project was also given an A+ score by Xangle. Congrats!

And with that, it’s a wrap. See you again soon with another weekly update. Bye!
submitted by abhijoysarkar to ParachuteToken [link] [comments]

How can I best prepare my children financially?

USA! Throwaway for obvious reasons.
Recently (today), my wife gave birth to twins. I am very happy, but I feel that there is a great opportunity here to best help them 15 years down the track.
I feel that if I do nothing for them, they will be mad.
I am 28, my wife is 29. My job as a remote CTO in a funded startup with a valuation of 50 million pays 240k. I am a founder so I have significant ownership stake. My wife is not working as she has been pregnant. Previously she was a personal trainer earning 100k/year. She is planning to return in 6 months.
Right now we live in a really low COL place. OKC. Before this I have lived in SF, where I exited 2 startups previously. This is the reason for my high net worth.
My assets:
1 house in OKC (zillow say worth 400k) we own with no mortgage.
1 house in SF (zillow say 3.1m) we own with no mortgage.
1 apartment in SF (zillow say worth 800k) we own but rent out for $3500/month
1 honda accord with 170k miles (no car note)
1 street triple motorcycle (roughly 6k)
1 ford mustang gt no note
1 tesla model x no note
800k in fidelity zero (i think? not 100% sure on the product)
400k in vanguard
400k liquid split in two accounts for FDIC
50k robinhood slush fund
10k in bitcoin
1m in current startup equity (2 years till vest, but it could go to 0, who knows)
My liabilities: 10k to my older sister who was the first investor in my first startup. i would like to pay her 10x this but she refuses to accept any money. does this count as a liability?
Current monthly budget:
$2000 internet (because I'm a remote worker this is vital for my job security. It's a 2gbps dedicated line with redundancy built in)
$1500 food
$2000 lawyer
$500 power
$500 gas
$1000 insurance combined
$200 phone combined
$1500 fun money
$1000 amazon gift cards for employee motivation
I think this is it. I'll add more if I forgot.
So my question is, how do I best prepare my (2) children for their financial future? I think I have a real opportunity to set them up for life. Which assets do I liquidate to do this? I am in the dark here.
How are my assets structured? How is my budget looking?
My financial knowledge comes from lurking here and occasionally talking to my companies CFO. I don't have a personal accountant or anything like that.
Thanks for the help!
submitted by scoffee99 to personalfinance [link] [comments]

How to get past giant failures in life?

Backstory: Ever since I was 9 years old, all I wanted was financial freedom which would allow me to just be able to dive head first learn anything I wanted. If I need tutors I can hire them. If I need books i could buy them. I loved to learn and apply what I learned. Esicaplly, since I grew up relatively poor and my dad not willing to buy/spend any money on me or my older brother(let’s call him S). Whereas my oldest brother, A, was the prized jewel of the family and my dad gave him everything.. I think the last time he bought me something was 5th grade. Ever since then, I always saved my money and never told anyone how much I had. To put into perspective, I had around $13k saved up in 8th grade. I flipped electronics via craigslist; mostly gaming consoles. Also, I began importing fake beats and fake expensive brands and sold them in school as fakes. People didn’t care since they were the highest quality fakes, therefore no one could really tell their fakes when they wore the clothes. Later on that year, S left high school years to go to CC against my dad wishes and my dad turned his back on him. Me being his brother he asked if he could borrow some money from me. I gave it to him since he’s my brother and I wanted a better relationship with my bro. He needed it more than I did.
Then in 10th grade (2014), the family found that when A was not in uni. Even though for the past 3 years, he was telling us that he was and showing my dad fake transcripts and having my parents drove 100+ miles to his dorm every weekend just to bring him food. Once A told my family about his uni situation, he went crazy, became a horrible person, and got a huge amount of credit card debt. Let’s just say looking back on how he is, I wouldn't be surprised if he tried selling our mother or something. This destroyed my dad. He has never been the same and took his hatred for my brother out on the rest of the family. Later on that year, A calmed down and began acting somewhat normal. My dad paid off all of A’s credit card debt.
During this time(2014-2016), S and I grew a small e-commerce business to 0-300k+ in gross monthly revenue and pretty health net margins of around 43%. We reinvested every dollar. At the time I wasn’t 18, therefore S was on all the legal paperwork. In the business, I was obsessed; it was like playing my favorite MMORPG all over again. There would be days where I wouldn’t sleep just so I could work because I loved it so much it didn't feel like work. When classmates were studying for AP exams. I was closing $10K+ worth of orders weekly from suppliers in China. (which is pretty cool in hindsight, never thought anything of it at the moment) Some of these suppliers became really good friends of mine. After high school(2017), I even went to one of their weddings, it was insane (they spent $1mil on the wedding) and was my first time in China. I met so many of the suppliers I had been talking to for years. They all thought I was in my 30s. I have deep voice lol. I put the business in front of school went from having a GPA of 4.83 to 3.6. At the time, my dad made some bad investments, lost all his savings, and lost his job for a year and a half. Therefore, the business was keeping the family afloat. We had expenses of 6k a month. Therefore, the salary we pulled out of the company was pretty much covering 100% of the families expenses.
After high school, I was supposed to go UCLA for bioengineering but withdrew since I didn't really want to do it and did mostly for my Dad to show him we are not like my A. I wanted to work on the business but S didn’t want me to and wanted me to go to college. So when the time came to have my name on the company legal documents, he didn’t allow it. He forced me to sell my equity for 57k( he would pay after 6 years) and leave the business or I would get nothing and still be forced out. The betrayal really hurt. I hate leaving things unfinished there was much more to do and we could’ve sold for at least 3mil. Earlier this year the business fell apart due to mismanagement and S is in 25k in debt. He still tries to be my brother and get me to help him since we still live in our parents house.
At the time(2015) I had learned about bitcoin and other cryptocurrencies, I bought 8 BTC at around $300 ish and 2k ether for around .7ish cents each since it was cheap. I told A about crypto and him being a tech nerd; he fell in love instantly and wanted to be a part of it. He wanted to learn to trade cryptos and he didn’t have any money forthem. So he asked if he could use my wallet to trade. I thought he was back to being my oldest bro again. So I said why not you manage my crypto wallet and especially it meant getting my brother back. I would have never guessed in 10 trillion years how big cryptos were gonna get. I never really thought about the wallet again and A would give me quarterly updates on it. Then last NovembeDecember(2017) when cryptos had a huge bull run. When BTC hit 13k and ether hit 1k. I told A it’s time to sell everything since that would a life-changing amount of money. He said know let’s wait its gonna go higher and he told me he had been managing it great so far so why was I not listening to his advice. Me being a bit naive and greedy; I agreed. When ether hit 1400, I told him now its time to sell no matter what. I came to find out he had lost all the ether in some scam a couple months before the bull run and sold the BTC without telling me. Then went AWOL and blew $100k+ and got two misdemeanors and felony and racked $40k in credit card debt. At the time, I wasn’t bummed out too much about the money. (was like winning the lottery; can’t really replicate it) I was 10x more pissed off that he went crazy again. And blamed myself for being blind and naive.
Sorry for grammatical and spelling errors on mobile
I think I’ve been severely depressed for the last year and a half. I don’t like to do doing anything (even though I want to), I don’t wanna talk to anyone, I have no energy, and I’ve been sleeping way too much. Today I’m 20 years old, I'm in a worse position from when I was 13. I have 2k left. The mental pain of knowing that everything I had to go through ended up being for nothing and if I had not let it slip through my hands, my life would be so much better kills me everyday.
Trying to look at the bright side. Currently, I’ve been enrolled in a community college for 3 semesters and have half-assing my way to A’s. I’m majoring in computer science and I’ll be transferring next year to some UC, most likely. When I started the business (2015) I had $20 prepaid flip phone from Walmart and all my classmates had smartphones (super embarrassing at the time) and used a old Fujitsu laptop I got from a garage sale for $25 and no car. Now I had an iPhone X and a $2k MacBook Pro and a great and efficient car, Prius. Downgraded the iPhone to iPhone 7 and laptop to a great cheaper windows machine since I got a great offer flip those for a couple 100 bucks more. I’ll use the extra money to grow capital.Curretly am looking for a part-time job to further grow capital. Let me know if you have any ideas :)
How do I not let what happening/happened to my family affect me? How can I just focus and forget about the past or not let past experiences/hardships hover in the back of my head all the time?
Thank you so much for reading!
submitted by LordStinkyMeow to Advice [link] [comments]

I have more money coming in than I need. How am I doing?

I've been following /personalfinance for about two years. I've only recently entered a situation where I don't exactly know the best way to proceed, even based on what I've been reading. I've learned a ton, and now, fellow redditors, I really could use your advice because I recently got a nearly 50% raise and feel like I've got too much money that isn't working for me.
I read a little bit ago that the best views are tables depicting assets, debts, income, and regular, budgeted expenses. I'm trying that format, so I hope that this isn't too difficult to follow, or TMI.
29 year old male software engineer in the American rust belt.

Assets

What Amount
Total $236,507

Investments

I started saving for retirement in 2012.
What Amount Where Comments
Roth IRA $18,193 Vanguard 100% in Target Date 2040 (VFORX), 0.18% exp ratio. Already fully funded for 2014.
Employer-tied Traditional 401(k) $15,129 Fidelity 100% match to 5%, 1% automatic. Fully utilitized, so depositing effectively 11% of paycheck. 100% in Target Date 2045, 0.13% exp ratio. Employer contribution paid in December (probably gives away my employer, haha :-/). This means ~$460/mo from me, so $5520 * 2 + $1104 = $12,144/yr growth at the moment. I just got a large raise, so my current balance doesn't really reflect the current contribution rate yet.
Stock in my bank $3,500 Held in certificate Quarterly dividends are 10¢-15¢/sh and reinvested. Super long.
Other stocks ~$2,062 e*trade $5,481 in unrealized losses from bad choices ~2009-2010. Virtually untouched since then. Probably should be selling these off in $3,000 chunks for tax deductions because they're not likely to recover anytime soon. Two Greek shippers and an dotcom company that is now a penny stock.
Subtotal $38,884.00

Liquid assets

What Amount Where Comments
Savings #1 $15,002 e*trade Negligible APR, historically my emergency fund account. < $2 in interest in the five years I've had the account.
Savings #2 $26,839 My bank 0.1% APR, backup savings, or "holding area" so that bonuses and whatnot stay out of my checking calculations
Savings #3 $5,592 My bank 0.1% APR, tax cache account (so that I always have enough for property taxes). Excess trimmed yearly into holding area.
Checking $4,190 My bank Non-interest-bearing, usually kept above $2,000 and funds exceeding $5,000 moved to backup quarterly
Bitcoin $12,000 TheCloud ~20 BTC. Holding, replaced when spent
Misc other cryptos ~$1,000 TheCloud Holding
Subtotal $64,623

Real assets

What Amount Where Comments
House $108,000 Home, silly Zillow estimate*. Likely to stay until at least 2016, probably 2018, unless something unexpected happens (major income, kids shudder, etc.).
Car $8,000 Home, silly 2009 hatchback, purchased 2008. 90k mi. KBB estimate*. Girlfriend is primary driver, ~60 mi/day.
SUV $17,000 Home, silly 2006 luxury, purchased 2014. KBB estimate*. 118k mi. I'm primary driver, ~10 mi/day.
Subtotal $133,000
* I know Zillow & KBB aren't terribly reliable sources of information, but they are close enough for illustrative purposes.
I've got some other reasonably expensive assets that haven't been appraised (musical instruments as old as 150 yrs with historical value) or will depreciate (computer stuff, nice TV, etc.)

Debts

What Amount Remaining APR Min. Pmt Actual Pmt Where Comments
House $67,653 3.75% $580 $800 My bank 15-yr starting Sept 2011
SUV ~$17,000 2.99% ~$280 $1,000 Shady bank 6-yr starting May 2014
Appliance $680 0% $25 $130 Sears Credit card, 0% for 12 months, will pay off within.
Total $85,333 $885 $1,930 monthly
I handled the financing on the on the SUV very stupidly. The loan is through a semi-shady bank that has no web site and does not mail statements. I have no evidence that my payments were made except for ACH debits, and I have no idea what my real balance is!
I'm planning to take out a home equity loan through my bank (5 year, 2.99%) if the second mortgage interest deduction will save me more than the cost of the HELOAN origination fee (~$100) and the cost of early termination of the car loan ($195 until 12 months, $145 after) over the next 18-24 months.
$38,000 student loans paid off in 2012, after only 4 years, average APR 5.75%. Booyah. Had some big, unexpected bonuses that helped a lot.

Income

What Amount Frequency
Job $2,992 Twice per month
Total $5984 monthly
This is after taxes, 401k contribution, long-term disability (66% salary for life), insurance, etc.
Performance or profit-sharing bonuses are unpredictable. I do have an incentive bonus that will net me $24,000 pre-tax on May 30, 2015. This is guaranteed as long as I am still an employee of my company. My position is very secure: I'm more likely to quit out of "do something else with my life" than I am to be laid off or fired.

Expenses

Many are exact, but some are budget amounts. It's pretty obvious based on what it is.
What Amount Monthly (average for periodic) Periodic? Comments
Food $400 Monthly Two people who eat pretty heathy and like nice steaks and shrimp and organic shit. This budget item actually hasn't changed since I was making half what I am now four years ago. Fuck Whole Foods, though. Buy local.
Restaurants $400 Monthly This has had a 200% rise in the past few months, because I got a big raise. We have no problem cutting this back if we had to.
Property Taxes $480 ~$4,800 yearly ~4.8% of assessed value. Moved to tax cache monthly. ~$4,800 yearly. Ouch.
Home insurance $66 $800 yearly
Mortgage $800 Monthly See debts.
SUV loan $1,000 Monthly See debts.
Store card balance $130 Monthly See debts.
Heating Gas $100 Monthly Usually under except Jan-Feb, which is $200+.
Electric $120 Monthly Very accurate average.
Water $50 Monthly Average
Refuse $12.50 $150 yearly Treated as irregular expense
Vehicle Gas $150 Monthly This will go up, because I've not had the new SUV long enough to understand how much more than my old SUV it uses.
Cellular $82 Monthly Two lines
Internet $100 Monthly 150/65 FiOS. Two year contract expires in July, so likely to shoot up. We don't have cable TV and are fully capable of saturating the pipe.
Netflix $16 Monthly Subs for me and my parents
Domains $20 ~$240 yearly I own too many of these.
Amazon Prime $7 ~$84 yearly Convenient for how much I buy on Amazon
XM $6 $72 yearly Just call and threaten to cancel every five months to get the lowest rate
Free Software Foundation donation $10 Monthly Do it. I give to some other orgs irregularly.
Total $3,949.50
My parents take care of my vehicle insurance as my birthday and Christmas presents. I'll be taking that over in 2015, so that'll add $900 semi-annually, or ~$150/mo.
At current payment rates,
I may snowball/avalanche these payments at times, to accelerate my mortgage payoff by up to four years, as long as I've fully funded my retirement accounts.

Financial Goals

How am I doing?

What can I be doing better?
Is there something that I'm missing?
I feel like I'm doing pretty well, but I could be doing better. Continuous improvement is a large part of my life, so applying it to my finances is an logical step. I've made some mistakes playing with stocks, but learned a lot in the process.
Pat me on the back, or slap me upside the face with a harsh stick of reality.
submitted by AWildRaiseAppeared to personalfinance [link] [comments]

Bitcoin In 2019 - My Prediction Bitcoin Will Hit $40k to $100k in 2018 - Here's Why THE STARS ARE ALIGNING FOR A MASSIVE BITCOIN BREAKOUT - TIMING IS EVERYTHING!! $100k Up For Grabs - 2 Giveaways - LIVE - Open Source ... Bitcoin Price Prediction  How likely it can hit $100K ?? (Very Likely)

“Bitcoin currently is priced at 2.5% chance of being worth $100k or .25% chance of being worth $1m.”. Even though Lingham is highly optimistic about the price of Bitcoin, he doesn't have a timeline as to when the premier crypto asset will begin its ascent and reach its destined financial heights. High-profile Twitter accounts hacked in Bitcoin scam; Twin gets life for killing man over fantasy cards worth $100K. February 13, 2014 / 3:17 PM / CBS/AP which is about 300 miles northeast Another way to consider growing your $100 into a lot more is to invest in yourself. By that, I mean invest in yourself to learn more about how to grow your skills, and eventually your net worth. You can do this in a number of ways. Purchasing books to learn about investing or business ownership; Taking online courses to learn a new skill Moon is $100k over the next 5 yrs. We're still in a Cessna that's sitting on the runway. level 2. $40,000 per coin seemed to be the ballpark several of them came to for the true "worth" of 1 Bitcoin after only marginal widespread adoption. the distance between earth and moon is 238,855 miles. So 238,855 USD is the logical moon target. A few Quadrillion dollars' worth in today's terms, at least. That would put each bitcoin worth multiple millions of dollars. Of course dollars won't exist by then but you could buy a really nice mansion with a couple of lambos in the garage for one bitcoin by then for sure. Maybe a Yacht parked in your own harbor, too.

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Bitcoin In 2019 - My Prediction

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