Currency exchange aventura mall

Upwork earnings calculator for your local currency (useful - for now!)

2023.03.22 17:31 jamesmundy Upwork earnings calculator for your local currency (useful - for now!)

Upwork earnings calculator for your local currency (useful - for now!)
I've put together a tool to quickly calculate how much you'll pay in Upwork fees and convert that into your local currency which hopefully some people will find useful.
Upwork Fee Calculator converting from US Dollars into Euros at today's exchange rate.
When I started building this I wasn't aware of Upwork's plans to change their tiered fee structure which will make calculations significantly easier but I've also added the ability to input your hourly rate and quickly calculate the number of months/weeks/hours you think the job will take so I hope it will still remain useful after the change.
Here's a link:
Any feedback from Upwork users would be great :)
Upwork Fee calculator showing how to calculate your total rate for an hourly job
submitted by jamesmundy to Upwork [link] [comments]

2023.03.22 17:27 Bahattingkck Lunatics Token is going Luni!

Lunatics Token ETH

Transparency & safety is Number one for our Holder!

6% rewards in $WBTC for the first 48 hours

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Multichain Wallet Fiat on/off ramp.
Allows users to securely store, send, and receive digital currencies such as Bitcoin, Ethereum, and many others features.

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Crypto banking refers to the use of cryptocurrencies for traditional banking services such as deposits, lending, borrowing, and payments.

We Are Lunatics and we will Never Stop and continue Building!

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Including AMA's, Calls, Ad's, Press Releases etc.
submitted by Bahattingkck to CryptoMoonShots [link] [comments]

2023.03.22 17:25 SigmaSixShooter Tipping and Cash (Do I need Pesos, or will USD work?)

Will be staying at Xcaret Arte in April and I feel like I read somewhere there is a new law where everything has to be in Mexican Pesos?
I'm mostly curious around tipping though. Did you guys tip the hotel staff (or park staff at things like Xel-Ha), and if you did, how much, and was it in USD or Pesos?
I'd like to go to my bank before our trip and exchange any currency there to avoid the rip off rates at the airport, just not sure how much actual cash I need, and if it needs to be in Pesos, or if USD will work.
submitted by SigmaSixShooter to Xcaret [link] [comments]

2023.03.22 17:25 cranialnervous We may be shooting ourselves in the foot and hampering bitcoin adoption if we don't change course quickly

The recent uproar around changes to the UCC seems are the result of a fundamental lack of understanding of commercial law, and we may be shooting ourselves in the foot and hampering bitcoin adoption if we don't change course quickly.
Texas Blockchain Council, Bitcoin Today Coalition and Bitcoin Policy Institute are now coordinating to try to correct misperceptions being advanced by some in the bitcoin space around the impacts of recently proposed UCC amendments being voted on at the state level.
The crux of the UCC issue is very well laid out by Carla Reyes in her recently released paper: Emerging Technology's Unfamiliarity with Commercial Law - "Far from advantaging CBDCs, the 2022 UCC Amendments promote stability and predictability in commercial transactions involving cryptocurrency."
If you read nothing else in the paper, please focus on this paragraph. The bottom line is that these UCC amendments actually enshrine bitcoin's core tenets in state laws around the country, while doing nothing to advance CBDC adoption.
If you are going to reach out to your state legislatures, please read Carla Reyes's paper first and gain an understanding of the issue.
You can view Carla Reyes's paper online in your browser by following this link and I will also include a copy of her paper below.
Over the course of a three-year, collaborative process that was open to the public, the Uniform Law Commission (ULC) and the American Law Institute (ALI) undertook a project to revise the Uniform Commercial Code (UCC) to account for the impact of emerging technologies on commercial transactions. The amendments, approved jointly by the ULC and ALI in July 2022, touch on aspects of the entire UCC, but one change has inspired ire and attracted national media attention: a proposed revision to the definition of “money.” The 2022 UCC Amendments alter the definition of “money” to account for the introduction of central bank digital currencies, such as the Bahamian Sand Dollar, and create a separate asset classification category for cryptocurrencies such as bitcoin — controllable electronic record. Opponents of this change state concern that the UCC seeks to “ban” cryptocurrency or otherwise advantage central bank digital currencies and disadvantage cryptocurrencies. This essay examines this dispute over the 2022 UCC Amendments, and argues that it stems from a misunderstanding of core commercial law concepts. Ultimately, it seems, diminishing familiarity with commercial law — a side effect of expanding reliance on emerging financial technology products — stands as a key obstacle to the enactment of a legal changes designed to give the objectors the very legal effects they desire.
Cryptocurrency stories of woe have dominated the news cycle since May 2022. Some of this news coverage reveals the general public’s lack of familiarity with commercial law concepts. For example, when a ruling in the Celsius bankruptcy determined that certain customer deposits belonged to Celsius, and, relegated customers to unsecured creditor status, the world generally seemed shocked. Well, everyone seemed shocked except commercial lawyers. Those lawyers familiar with the Uniform Commercial Code (UCC) and its interaction with the Bankruptcy Code might have predicted such an outcome, and, indeed, had they been consulted, might have helped prevent it. Unfortunately, as the regular use of checks and other negotiable instruments dwindles in favor of emerging financial technology products, commercial law familiarity also diminishes.
In a somewhat twisted turn of fate, emerging technology’s unfamiliarity with commercial law now threatens the adoption of key commercial law changes designed to improve the use of emerging payment mechanisms in commerce. This essay examines the proposed 2022 UCC Amendments6 and recent claims that the Amendments seek to “ban” bitcoin and facilitate the adoption of a controversial asset called Central Bank Digital Currency (CBDC). The essay argues that such claims rest in a failure of emerging technology’s advocates to understand commercial law terms of art and the purposes they serve in the UCC. Far from advantaging CBDCs, the 2022 UCC Amendments promote stability and predictability in commercial transactions involving cryptocurrency.
Recent concerns that the 2022 UCC Amendments push a pro-CBDC and anti-bitcoin agenda9 stem from a deep cultural and value clash between proponents of bitcoin and proponents of CBDCs. By way of brief background, bitcoin is a cryptocurrency intrinsic to the Bitcoin network. Introduced by Satoshi Nakamoto in 2009, the Bitcoin blockchain protocol provides a mechanism for recording electronic transactions through a distributed adversarial network in which it is computationally impractical for any party or group to retroactively modify transactions. Bitcoin enables the cryptographic demonstrability and relative permanency of each digital transaction, facilitates direct peer-to-peer financial transactions without intervention by a third-party intermediary, and incentivizes network support and security by issuing new bitcoin, subject to a cap, according to pre-determined rules coded into the network. Bitcoin is a medium of exchange laden with a variety of values, including preferences for: deflationary monetary economics, privacy, autonomy, and freedom in financial transactions.
These values stand in stark contrast to many of the technical and cultural elements of proposals to create CBDCs. The Board of Governors of the Federal Reserve System (FRB) defines CBDCs “as a digital liability of the Federal Reserve that is widely available to the general public.” Even while lauding potential benefits of CBDCs, such as convenience, safety, and liquidity, the FRB also expressed concern for potential negative effects. In particular, many worry that CBDCs will increase government financial surveillance, restrict financial autonomy, and potentially disincentivize savings, among other economic implications. Ultimately, as a result of these issues, the face-off between bitcoin and CBDCs acts as a battleground over important value and political differences.
While this value-laden and politically-tense debate over the nature of money and alternative payment mechanisms brewed, a variety of stakeholders began a completely unrelated, deliberative, and open process to amend the UCC considering the last decade’s technological advances. One key issue posed by emerging technology centered on improving the commercial law rules for digital assets such as bitcoin.
A variety of lenders secure loans using cryptocurrency as collateral. As early as 2014, commercial lawyers and scholars pointed out the potential limiting effect of existing UCC provisions for the negotiability of encumbered cryptocurrency. Under the existing UCC provisions, bitcoin (and other cryptocurrency) is a general intangible. When a lender takes general intangibles as collateral for a secured loan, the lender may only perfect its security interest by filing a financing statement in the relevant filing office. As discussed in further depth below, bitcoin’s treatment as a general intangible caused two problems for those lending against bitcoin as collateral: (1) crypto-native lenders lacked an optimal method of perfecting bitcoin collateral, and (2) bitcoin users could only ensure they received unencumbered bitcoin by conducting a search in the Article 9 filing system.
First, crypto-native lenders expressed concern about filing financing statements for fear of reducing the privacy interests of debtors. Lenders worried that third-parties could ascertain when a debtor owned cryptocurrency (including, say, bitcoin) and had perhaps borrowed against it. Debtors sought more privacy than that. As a result, some lenders began taking “control” of the bitcoin collateral by, for example, taking the bitcoin into a wallet the lender controlled. While this was good for gaining access to the collateral upon default, under the existing UCC, that lender, without filing a financing statement with the relevant filing office, remained an unperfected secured creditor. Such status, of course, would pose a problem if the debtor defaulted to another, perfected, secured creditor, or if the debtor became insolvent and filed for bankruptcy. In either case, the crypto-native lender with control of the bitcoin but no filed financing statement would lose in a contest for the value of the bitcoin collateral to a secured party who filed a financing statement or to the bankruptcy trustee. Second, treatment of bitcoin as a general intangible imposed a severe limitation on the negotiability of bitcoin. An onward transferee of bitcoin could never be sure without searching the filing system whether the bitcoin they received was encumbered or not.
Many initially think the answer to the problem of treating bitcoin and other cryptocurrencies as general intangibles lies in making bitcoin “money” under the UCC. Under the UCC “money” receives treatment as super-negotiable; a recipient of encumbered money from a debtor takes it free of a security interest granted by the debtor. However, ultimately, this solution remains suboptimal. Making intangible bitcoin “money” for UCC purposes is problematic because a security interest in “money” can only be perfected by possession. Possession in the UCC is a physical, tangible concept. You must be able to hold a thing in your hands in order to possess it. So, if you make bitcoin “money” for UCC purposes, you make it impossible to perfect a security interest in bitcoin, which is worse for lenders than classifying bitcoin as a general intangible — at least as a general intangible, an actual way to perfect a security interest exists.
The 2022 UCC Amendments offer nuanced resolutions to these issues. First, the amendments create a new category of asset for UCC purposes (and for UCC purposes only). That category of assets is called a “controllable electronic record” (CER). A CER “means a record stored in an electronic medium that can be subjected to control under Section 12-105.” In an innovative move, the technology agnostic 2022 UCC Amendments defer to the technical system of the CER to determine what constitutes control as a technical matter, so long the person who has control obtains: (1) the power to enjoy substantially all the benefit of the CER; (2) the exclusive power to prevent others from enjoying “substantially all the benefit” of the CER; and (3) the exclusive power to transfer control of the CER.34 Notably, exclusivity is not lost if it is shared by agreement (or by technology — such as multi-signature arrangements).
This definition of “control” serves two purposes: (1) it serves a definitional purpose — namely, not all electronic records are CERs, just those capable of being subject to the defined term control, and (2) lenders who take cryptocurrency, including bitcoin, as collateral, may now perfect security interests by control.36 Indeed, the amendments make control the preferred method of perfection for CERs over filing. This, of course, is exactly what existing industry players had already been doing — just without the legal benefits they would have wanted under the existing provisions of the UCC. The 2022 UCC Amendments seek to bring the law up to speed with what bitcoin-native secured lenders thought was best all along. Additionally, the 2022 UCC Amendments provide that if a purchaser of a CER (such as bitcoin) is a qualifying purchaser, the purchaser will benefit from a take-free rule; the purchaser gets an unencumbered CER. In this way, treating bitcoin and other cryptocurrencies as CERs resolves the two prominent problems lenders taking bitcoin as collateral face under the existing UCC provisions.
Far from favoring CBDCs, the 2022 UCC Amendments seek to facilitate the negotiability of CERs such as bitcoin. Without such rules as the take-free rules, bitcoin and other CERs would be at a disadvantage to CBDCs in terms of negotiability. Instead, the 2022 UCC Amendments preserve the negotiability of bitcoin and other CERs in a way that should better enable individuals to freely transact in bitcoin without worry that they are taking the bitcoin subject to a secret lien. This represents an extremely important change to commercial law rule for the maintenance of bitcoin and cryptocurrencies as freely transferable bearer-like instruments.
As the 2022 UCC Amendments were being drafted and debated, El Salvador adopted bitcoin as legal tender. Arguably, El Salvador's move made bitcoin “money” under the existing UCC. Of course, this presents a problem because no lender can now perfect a security interest in bitcoin. Recall that “money” must be perfected by possession and possession is a concept for tangible things you can hold in your hands. The existence of intangible bitcoin as “money” does not fit within that model of perfection by physical possession. Further, some countries already developed CBDCs like the Sand Dollar. The Sand Dollar, as e-currency authorized by the Bahamian government, clearly falls under the UCC’s existing definition of “money,” leaving lenders with no way to perfect security interests in Sand Dollars or other CBDCs, because possession, as a physical concept simply does not work.
Further, as a form of legal tender, many expect CBDCs to integrate with the existing banking system, and the existing UCC rules already account for how to perfect in collateral like a deposit account (namely by control, defined in a different way). Notably, even El Salvador’s adoption of bitcoin integrates with the existing banking system similarly to CBDCs. El Salvador implemented its adoption of bitcoin as legal tender through the Chivo wallet, a custodial wallet that does not give users control over their private keys. The 2022 UCC Amendments could have taken its cue from the El Salvador implementation and required that perfection of bitcoin and other cryptocurrency take place via a custodial wallet provider or deposit account. The 2022 UCC Amendments opted for a different approach. Namely, to address the likely integration of CBDCs with the existing banking system while also attempting to honor the decentralized nature of cryptocurrencies and blockchain protocols like that found in bitcoin, the 2022 UCC Amendments kept the CER category for bitcoin and created a separate concept of “electronic money.”
“Electronic money” includes any “medium of exchange that is currently authorized or adopted by a domestic or foreign government,” but excludes “an electronic record that is a medium of exchange recorded and transferable in a system that existed and operated…before the medium of exchange was authorized or adopted by the government” (like El Salvador and bitcoin). Notably, this change does not preference CBDCs, but instead deals with unique issues. Namely, if electronic money is credited to a deposit account (which in UCC-speak means a bank account, and could include an account at a central bank), then the normal deposit account perfection rules will apply. If the electronic money collateral is not credited to a deposit account, then a security interest in electronic money could be perfected by control. As a practical matter, because of the nature of CBDCs, the default method of perfection in electronic money in practice will likely be by perfection of deposit accounts. It should come as no surprise, then, as to why treating bitcoin like “electronic money” and folding it into the definition of “money” would be sub-optimal. Namely, such treatment would likely encourage recentralization of bitcoin holdings through deposit accounts or intermediated securities accounts. Such recentralization would be a step in an incredibly wrong direction. Rather, enabling maximum party autonomy by allowing individualized control over a CER to act as a method of perfection for bitcoin and other cryptocurrencies represents a more beneficial approach, as signaled by the fact that crypto-native secured lenders employed this approach before the 2022 UCC Amendments project began. The separation between “electronic money” and CERs, far from somehow favoring CBDCs, respects existing commercial practice and the decentralized nature of bitcoin and other cryptocurrency.
The worries raised about the UCC including CBDCs in the definition of “money” while excluding bitcoin center on a concern that other laws might copy the definition for other purposes. In this regard, the private law nature of the UCC plays an important role. The UCC is not regulatory in nature, and the definition of “money” in the UCC has no direct impact on the definition of “money” for other legal purposes such as in taxes, anti-money laundering, money transmitter regulations, security regulations, commodities regulations, or even which mediums of exchange serve as U.S. legal tender. The definition of “money” in the UCC serves a narrow commercial law purpose: to provide predictability and stability in commercial transactions relating to a specific type of medium of exchange. The unique and decentralized nature of bitcoin and other cryptocurrency require a different approach to enabling stable and predictable commercial transactions involving those assets.
The 2022 UCC Amendments seek to preserve the decentralized nature of bitcoin and other cryptocurrencies, enable secured lenders to enjoy legal benefits of their existing commercial practices, and by protect the negotiability of bitcoin by allowing onward transferees to take bitcoin and cryptocurrencies free of existing encumbrances. Without an understanding of the role that the definition of “money” plays in the UCC, however, bitcoin’s proponents may miss the opportunity to support a law that respects some of bitcoin’s core values. Although unfamiliarity with blockchain-related terminology often motivates sub-optimal legislation and regulatory schemes for cryptocurrency, smart contracts, and other emerging technology, this battle over the 2022 UCC Amendments stems from the opposite: unfamiliarity with commercial law among proponents of emerging technology. Emerging technology’s language wars, it seems, run both ways.
In the case of South Dakota, while the governor’s rhetorical response reflects well on her political judgment, this proposed bill does not, unlike the Governor and others claim, tilt South Dakota toward a CBDC purgatory. Nor does it restrict Bitcoin’s adoption. It’s actually bullish for Bitcoin.
How this misunderstanding has metastasized through political discourse — from state governors to Bitcoin-friendly Congressmen — deserves its own deconstruction, but I’ll leave that to others.
The bill in question — based on an update to the Uniform Commercial Code — not only expands definitions and protections for Bitcoin, but actually creates a legal mechanism for recognizing self-custody and for the protocol’s inclusion in traditional lending, insurance, and commercial transactions.
In a sense, it’s an upgrade to existing commercial law that would allow Bitcoin to be used as collateral for all future financial contracts. It’s “not your keys, not your coins” in commercial law.
Not only would this bill protect your Bitcoin in any commercial transaction, but it would also better define and protect ownership of your Bitcoin in a bankruptcy scenario like FTX, Voyager, or BlockFi.
More at
submitted by cranialnervous to Bitcoin [link] [comments]

2023.03.22 17:22 Julenssx Currency exchange fee

Hi everyone, new to the sub
As a European investor, I've been paying this fee for months now every because I invest in the US market. Over time, these fees are adding up and significantly eating into my investment returns.
Sadly I can only invest a small amount each month, so it takes quite the bite, is anyone else having this issue. If so, have you found any cheaper alternatives to paying these fees?
Thank you in advance for your input!
submitted by Julenssx to interactivebrokers [link] [comments]

2023.03.22 17:17 Hiei80 The Daily Dogelon - Wednesday, March 22nd, 2023

The Daily Dogelon - Wednesday, March 22nd, 2023
Onwards and upwards, Martians. 🚀🚀🚀
Very fitting as we climb over this week's hump! 🧗
Regardless, you've got two more entries of The Daily Dogelon to look forward to. 📰

Getting on with it...

🙏 So it goes:

Life happens.

You've done more than enough so far, dear Indie Devs. ❤️
On behalf of our proud community, we salute you and your well-earned break. 🏆
For the last few months, week after week, we basked at your ingenuity. 👁️
You spent time and effort so generously, and the community remains grateful. 🙋‍♂️
Here's to you, yet again. Take your time, Dogelon and the Martians aren't going anywhere! ✊

⚔️ And here's to all of you, who put in the work.

Always engaged.

The fuel that our project runs on, is our unyielding spirit. 🔥
The faith in our mission, the commitment to our vision of the future. ☄️
We aspire to represent the best of humanity. That's how we transcend it. 🦸
And when all is said and done... We can just find joy in the sleekness of our pup. 🐕
Dogelon Mars symbolizes all that, and more. Keep it shining brightly, one day at a time. 🏋️

👇 Now, let's take this puppy to the stars:

✔️ CoinMarketCap - Vote Up
✔️ Coingecko - Vote Up
✔️ Coinsniper - Add to watchlist
✔️ Stocktwits - Add to watchlist
✔️ Coinbase - Add to watchlist
✔️ LiveCoinWatch - Heart
✔️ Follow official Twitter
✔️ Follow Dogelon Warriors
✔️ Follow Dogelon Warriors Instagram
✔️ Follow Dogelon Warriors Facebook
✔️ Follow Dogelon Mars Instagram

Solace can be found in...

⚜️ The Daily Dogelon Gallery ⚜️

We build upwards here.

Keeping it classy.

He had you at check from the first move.

It's all coming together...

We got your back bro!

Here are some ELON exchanges 📊 for your convenience:

ZT Global

WATCH OUT FOR SCAMS and verify with our legit channels:
Follow our official accounts 📱 for all the latest updates and announcements along with breaking news 🚨 for #DOGELON!

Here come those waves 🌊
submitted by Hiei80 to dogelon [link] [comments]

2023.03.22 16:50 letsexchange_io Smooth Love Potion Prediction 2023, 2025, 2030

Smooth Love Potion Prediction 2023, 2025, 2030
Blockchain-based games are a new trend that took the crypto industry by storm. The play-to-earn (P2E) gaming model used by most of these games allows users to earn in-game assets that can be exchanged for cash. So far, one of the most popular and successful P2E games is Axie Infinity.
Inspired by Pokémon, users can breed, raise, collect, and trade Axies, NFTs representing fantasy creatures. In this game, players are rewarded with Smooth Love Potion (SLP) tokens, which can be used to breed new Axies. Users can also cash out their SLP holdings if they prefer.
But how profitable is it to hold SLP tokens? Are they suitable as an investment? We will answer these and other questions in the following SLP price prediction for the coming years.

What Is Smooth Love Potion (SLP)?

SLP is an ERC-20 token that players in the AxieInfinity game can earn as a reward. Players can use this utility token for breeding Axies, NFTs representing digital pets with unique traits and capabilities. Breeding an Axie has an initial cost of 100 SLP. But the price increased gradually, depending on how many Axies the player has already bred (with a maximum of seven Axies). Breeding the seventh Axie costs 2,100 SLP.
As expected, a player must spend some time playing the game to earn enough SLP tokens to breed their first Axie. In most cases, a player must win 15 competitions to accrue the necessary tokens. Alternatively, players can buy SLP on the open market (crypto exchanges) to get a head start. There is no cap on the supply of SLP tokens.

SLP Live Price Chart

As of March 19, 2023, SLP traded at approximately $0.0029. CoinMarketCap ranks SLP as the 239th most valuable cryptocurrency by market capitalization. Other relevant data for the previous date are summarized in the table below. Take into account that these data are continuously updated. Hence, you must consult an SLP live price chart for the current values.
Coin Name
Smooth Love Potion
Coin Symbol
USD Price
Market Cap
24h Trading Volume
Total Supply
42,388,980,911 SLP

Smooth Love Potion History Price

SLP launched in January 2020 on Uniswap at around $0.03. It was one of the pioneering P2E tokens in the market. But despite the excitement from its development team, the SLP price dropped below $0.01 in February of that year. Despite some price spikes, SLP ended trading at $0.003 on June 20. However, on July 8, the SLP token reached $0.19. However, it was a short-lived run. On July 12, SLP traded at approximately $0.02. It ended the year at that price level.
Things dramatically changed for SLP in 2021. At the beginning of February, the SLP price showed an uptrend. This token traded above $0.10 on March 14. On May 1, the SLP price reached its all-time high at $0.4191. But on May 22, the price dropped to $0.116. There were two remarkable price runs in July of that year, in which the SLP price went above $0.30. However, this token could only keep that value for a short time. It ultimately ended 2021 at approximately $0.027.
2022 was not a good year for the SLP token. The crypto winter and a change in the game’s mechanics led to a bearish trend for SLP throughout the year. This token’s price was around $0.002 on the last day of 2022. In 2023, the SLP price has shown slight signs of recovery. As of March 19, 2023, this token traded at a little less than $0.003.

Smooth Love Potion Crypto Prediction

SLP Price Prediction 2023

Although Axie Infinity was a hit, SLP failed to maintain its success during the brutal crypto winter of 2022. However, experts remain optimistic about the future of this token. BitcoinWisdom and PricePrediction expect the average and maximum SLP prices in 2023 to be $0.004. For its part, DigitalCoinPrice is slightly more optimistic, predicting an average and maximum price of $0.006. Hence, if you invest in SLP at the current trading price of $0.003, you could have a maximum gain of +100% this year.

SLP Price Prediction 2025

In 2025, PricePrediction expects the average SLP price to be $0.008, with a possible maximum of $0.009. For its part, BitcoinWisdom forecasts an average price of $0.009, with a potential maximum of $0.01. DigitalCoinPrice predicts average and maximum prices of $0.01. It means you could reap a maximum gain of +233% in 2025 if you invest at the current trading price of $0.003.

Smooth Love Potion Price Prediction 2030

Price predictions for the distant future rarely have a consensus. That is the case with the SLP price in 2030. BitcoinWisdom predicts an average price of $0.023, with a possible maximum of $0.024. For its part, DigitalCoinPrice indicates average and maximum SLP prices of $0.029. PricePrediction is significantly more optimistic, forecasting an average SLP price of $0.057 in 2030, with a potential maximum of $0.067. You could get a maximum gain of +2,133% in 2030 if you invest in SLP at its current trading value of $0.003.


Axie Infinity popularized the P2E gaming model through which players could earn cryptocurrency by playing a blockchain-based game. This game's popularity peaked in 2021 when many people in developing countries turned to Axie Infinity as their source of income. Unfortunately, this game's popularity significantly declined due to the drop in rewards. Hence, the future of the SLP token is uncertain. However, such a risky investment could yield good returns in the long run. If you want to invest in the SLP token, allows you to buy this digital asset at competitive rates. Besides, you can exchange more than 2,300 digital coins and tokens easily and without hassle.
submitted by letsexchange_io to LetsExchange [link] [comments]

2023.03.22 16:36 Vegetable-Cobbler734 Risk topic: The evolution, impact and insights of the Credit Suisse event

Risk topic: The evolution, impact and insights of the Credit Suisse event
01 Credit Suisse's history of events
CreditSuisse (hereinafter referred to as Credit Suisse), founded in 1856, is an investment banking and financial services company dealing with personal and corporate financial services, banking products and pension and insurance services. CreditSuisse is the fifth largest global conglomerate and the second largest bank in Switzerland, with branches in more than fifty countries worldwide. Traditionally, Swiss banks include Credit Suisse, National Bank, and UBS Group (UBS merged with UBS AG in 1998), leaving only two large Swiss banks, Credit Suisse and and UBS AG.

Credit Suisse event development history at a glance: freezing three feet, not a day's cold


Former advisor forges clients' signatures for illegal gains


"Surveillance scandal", alleged espionage


"Surveillance scandal", resignation of COO and CEO


Greensill collapses, Credit Suisse closes $10 billion fund holding its bonds
Archegos plunges, Credit Suisse loses $5.5 billion
Involved in Mozambique corruption scandal, fined $475 million


Reports net loss of CHF 1.7 billion for fiscal 2021, profit warning raises market concerns
Convicted of helping Bulgarian drug cartels launder money
Announces three-year restructuring plan incorporating $4.2 billion
Saudi National Bank acquires $1.4 billion stake in Credit Suisse, becoming the largest shareholder with 9.9% of the shares
Data breach of 18,000 accounts with over CHF 100 billion in hidden wealth involving several serious criminal customers
Over CHF 110 billion withdrawn by depositors in the fourth quarter

February 9, 2023

Reports fiscal 2022 loss of $7.6 billion

March 14, 2023

Shares plunge 30% after claiming "material weaknesses" in FY 2021 and FY 2022 reporting process

March 15, 2023

Saudi National Bank chairman says refuses to assist Credit Suisse in increasing liquidity
Swiss central bank says it will provide liquidity to Credit Suisse if necessary

March 16, 2023

Announces it will borrow up to CHF 50 billion from the Swiss central bank

March 20, 2023

Credit Suisse faces up to $10 billion a day in depositor withdrawals for nearly a week, sources say
UBS reached an agreement with Credit Suisse and the Swiss central bank to acquire Credit Suisse for $3.23 billion
Credit Suisse's 16 billion Swiss franc AT1 bonds written down to 0 on the same day as required by Swiss regulators
Some Asian banks' AT1 bonds dive sharply, hitting the biggest drop of 20%
UBS five-year credit default swap widens to 175 basis points, highest level on record
Saudi National Bank confirms it lost nearly 80% of its investment in Credit Suisse, more than $1 billion

02 Pros, Cons and Potential Impact of the Credit Suisse Acquisition

As one of the world's systemically important banks, the bankruptcy of Credit Suisse would have enormous secondary damage, which in turn would affect the entire financial system. Potential solutions for Credit Suisse include takeover, closure, spin-off and nationalization. on March 19, 2023, the Swiss government held a press conference in which UBS AG (UBS) acquired Credit Suisse for 0.76 Swiss francs per share at a total price of 3 billion Swiss francs, with substantial losses for all shareholders who previously held Credit Suisse shares. The Swiss central bank committed to provide up to CHF 100 billion in emergency liquidity loan support to the merged bank, while the government provided a CHF 9 billion guarantee for potential losses on the assets taken over by UBS. Some market participants have commented that the proposal is the most reasonable of all possible options, but there is a risk that the proposal does not treat investors fairly.

In general, the advantages of bank mergers as a potential solution during a banking crisis are: first, increased stability: bank mergers can potentially increase the stability of the financial system by creating larger, more diversified banks that are better able to withstand financial shocks. Second, it reduces risk: by merging, banks can reduce individual risk exposures by diversifying their portfolios and spreading risk across a larger entity. In the case of the Credit Suisse acquisition specifically, the key was to stabilize market expectations. Bankers and the government hope that the Credit Suisse case will demonstrate the central bank's and the government's protection of the banking sector, which in turn will allow investors who are still on the sidelines to re-enter banking stocks, stabilizing market expectations and putting the current crisis on hold.

But whether the Credit Suisse acquisition can achieve its expected effect is controversial. The day the acquisition was announced, UBS's five-year credit default swap expanded to 175 basis points, reaching a record high. As a result of Credit Suisse's discounted deal, Saudi National Bank confirmed that it lost nearly 80% of its investment in Credit Suisse, more than $1 billion. In addition, the combined UBS Group would have total assets of more than $1.5 trillion, and the excessive asset size could pose a risk to Switzerland. The acquisition could also have a negative impact on the Swiss job market, with the merger of the two banks likely to result in some 10,000 layoffs.

More controversially, Credit Suisse's CHF 16 billion AT1 bonds were written down to zero as required by Swiss regulators. under Basel III, common equity tier 1 capital (CET1) is the first capital to be written down, followed by additional tier 1 capital (AT1) and Tier 2 capital. However, in the Credit Suisse case, the common shareholders' equity at the top of the write-down order was protected to a certain extent but AT1, which was relatively at the bottom, was written down in full, which was inconsistent with the loss-absorbing order stipulated in Basel III, which triggered significant volatility in the AT1 market. According to Bloomberg Industry Research, no other bank in Europe, except Credit Suisse and UBS, has provisions that allow full write-downs of AT1 while retaining some value for equity investors.

Credit Suisse AT1 capital is basically CoCo debt (contingent convertible debt). This bond variety was created in the aftermath of the 2008 financial crisis to meet the capital requirements for banks set out in Basel III, introduced in 2010, as a financial instrument to protect the capital adequacy of banks. When a bank meets certain triggers, such as the CET1 ratio dropping to a certain level or being unable to continue operations (Point of Non-Viability (PoNV)), CoCo bonds will be forced to stop paying interest and converted into shares or written down to improve the bank's capital adequacy ratio. It is the lowest-rated class of bank bonds, offering attractive returns in boom times and bearing the brunt of threats when banks run into trouble. According to data compiled by Bloomberg, Credit Suisse Holdings Inc. has 13 outstanding tranches of CoCos bonds worth $17.3 billion, denominated in Swiss francs, U.S. dollars and Singapore dollars. Such bonds represent slightly more than 20% of its total debt. The largest number of U.S. dollar-denominated CoCo bonds, including $2 billion of perpetual bonds that could have been redeemed in July this year, and $2.25 billion of bonds with a first callable date in December.

Swiss financial regulator FINMA said in a website announcement that the acquisition would trigger a "full write-down" of Credit Suisse's AT1 bonds to strengthen the bank's core capital because of the unconventional government support. The trigger for Credit Suisse's CoCo bonds is a CET1 < 7% or a viability event. According to media reports, Credit Suisse's capital adequacy ratio is well above the 7% threshold that triggers the write-down of AT1 bonds. As of the end of 2022, the bank's CET1 ratio was 14.1%. This trigger is thus likely to be the occurrence of a survivability event. Prior to this, in 2017, junior bondholders of Spanish bank Banco PopularSA had their bonds written down by around €1.35 billion following the bank's acquisition by Banco Santander, when the company's shares were also written off, while regulators forced the cancellation of its CoCo bonds, but on a much smaller scale than Credit Suisse.

After the news was released, the market reacted sharply, once triggering market panic, European shares fell more than 2% at the beginning of the session, double-digit plunge in bond yields in Europe and the United States, some banks in Asia and Europe AT1 bonds jumped sharply, hitting the largest drop of 20%, safe-haven demand made gold rise above $ 2000 for the first time in a year. Credit Suisse European and U.S. stocks both fell more than 50% to a new low, UBS European shares fell 16% after turning up, but the cost of one-year CDS credit default swaps hit an eleven-year high. Large U.S. banks turned down in late trading, First Republic Bank fell 50% intraday and multiple meltdowns to record lows.

After the bankruptcy of Silicon Valley Bank, the U.S. banking industry has seen deposits moving from small and medium-sized banks to large banks, and there are media reports that small and medium-sized U.S. banks with assets of less than $250 billion are responsible for 80% of commercial real estate loans, 60% of industrial and commercial loans, 50% of real estate mortgages, and 45% of consumer loans. The Credit Suisse incident is bound to increase market concerns about the banking sector in Europe and the United States. The Fed's balance sheet expanded by about $300 billion in recent weeks after the Fed launched its Term Financing Program (BTFP). On Sunday the Fed and six other major global central banks announced coordinated action to enhance the supply of liquidity in permanent dollar swap arrangements. The U.S. is also reportedly studying ways to provide guarantees for all bank deposits as a "pre-emptive plan" for an intensifying crisis. European banking regulators reassured the market that equities would take losses ahead of AT1 bonds. The Bank of England said AT1 bonds will be paid in order before equity investors and after Tier 2 capital (T2) bonds.
03 A review of the comparison with the global financial crisis in 2008

The Credit Suisse incident has become the current "Bear Stearns moment" overseas. In the 2008 financial crisis, Bear Stearns was acquired by JP Morgan Chase, but the subsequent crisis could not be stopped, followed by the collapse of Lehman, which eventually triggered the global financial crisis. How will the global banking industry risk transmission go this time? Let's first review the transmission path of the 2008 financial crisis, which was a global crisis triggered by the collapse of the U.S. real estate market. The crisis began in the United States and quickly spread to the rest of the world. Here is a review of the transmission chain of how this crisis unfolded:

  1. Real estate bubble: At the beginning of the 21st century, low interest rates and lax lending standards led to a real estate bubble in the United States. The U.S. housing market peaked at the end of 2006, and from 2002-2006, total U.S. residential real estate market value increased from $16 trillion to $23 trillion, and total residential real estate market value rose from 110% to 150% of GDP. Home prices soared and many people bought homes they could not afford.

  1. Asset securitization innovation & subprime mortgages: Based on home loan mortgage-backed securities (MBS), more complex CMOs and CDOs emerged. to hedge against default risk, CDO issuers bought credit default swaps (CDS), and insurance agencies were sellers of credit default swaps (CDS) and assumed the corresponding risk. Asset securitization has led to increased mortgage funding, and increased investor demand for mortgage-related securities means that some borrowers with poor credit histories can also obtain loans. In addition, investment banks have continued to innovate with lower minimum down payments and declining interest rates, resulting in variable rate mortgages, interest-only mortgages and negative amortization mortgages. in 2003-2004, U.S. subprime mortgages accounted for only 6% of total mortgages, while in 2005-2006 this percentage rose to 20%. According to CNN, in 2006, the U.S. subprime loans amounted to $640 billion, about twice as much as three years ago, subprime mortgages accounted for 20% of the total size of the U.S. national mortgage market, financial companies, hedge funds in the hands of subprime mortgage-backed bonds worth $1 trillion.

  1. Real estate market collapse: As interest rates continued to rise from 2003-2006, home prices plummeted and many homeowners defaulted on their mortgages when the housing bubble began to burst in 2007-2008. 2. Asset securitization innovations & subprime mortgages: Based on mortgage-backed securities (MBS) for home loans, more sophisticated CMOs and CDOs emerged. in order to hedge against the risk of default, the CDO issuers buy credit default swaps (CDS), and insurance institutions are sellers of credit default swaps (CDS) and bear the corresponding risk. Asset securitization has led to increased mortgage funding, and increased investor demand for mortgage-related securities means that some borrowers with poor credit histories can also obtain loans. In addition, investment banks have continued to innovate with lower minimum down payments and declining interest rates, resulting in variable rate mortgages, interest-only mortgages and negative amortization mortgages. in 2003-2004, U.S. subprime mortgages accounted for only 6% of total mortgages, while in 2005-2006 this percentage rose to 20%. According to CNN, throughout 2006, the U.S. subprime loans amounted to $640 billion, about twice as much as three years ago, subprime mortgages accounted for 20% of the total size of the U.S. national mortgage market, and the total value of bonds collateralized by subprime mortgages in the hands of financial companies and hedge funds reached $1 trillion.
4, bank failure: a large number of banks and other financial institutions invested in these complex derivatives suffered huge losses. April 2, 2007 was the starting point of the "subprime mortgage crisis", this day, the second largest subprime mortgage institutions in the United States New Century Financial Corporation filed for bankruptcy protection, in March 2008, JP Morgan Chase to $ 236 million to buy Bear Stearns Bank, to avoid the burst of financial assets. On September 15, Lehman Brothers filed for Chapter 11 bankruptcy protection, an important U.S. investment bank that had invested heavily in the real estate market and owned a large number of assets such as mortgage securities (MBS) and derivatives, but these assets rapidly depreciated in value after the housing market collapse. The huge size of the liabilities in these balance sheets made the company unable to pay its debts in a liquidity crisis, which eventually led to the bankruptcy of the company and triggered the outbreak of the global financial crisis.

  1. Global financial crisis: The bankruptcy of Lehman Brothers caused a great impact on the global financial market and triggered the global financial crisis. The bankruptcy led to the disintegration of confidence in other financial institutions, rising borrowing costs, tight market liquidity, and the risk of bankruptcy for many companies and banks. Governments and central banks around the world took a series of measures to mitigate this crisis, such as launching massive bailout programs, lowering interest rates, and providing financial assistance. However, these measures did not fully resolve the financial crisis, and the U.S. and global economies fell into recession in the following years.

The global financial crisis had a profound impact on the development of the global economy and financial market system: First, the crisis highlighted the need to strengthen financial regulation to prevent excessive risk-taking and ensure the stability of the financial system. Since then, governments around the world have introduced new regulatory requirements to increase transparency, limit leverage, and reduce systemic risk. The second is the contagious nature of the financial crisis, which showed the interconnectedness of financial markets and how problems in one part of the world can quickly spread to other parts of the world. This has led to increased international cooperation and coordination among regulators and central banks. Third, the crisis demonstrated the risks associated with complex financial instruments, such as synthetic CDOs. hence the need for greater emphasis on transparency, risk management of financial products. Fourth, the importance of liquidity in the financial system. When credit markets froze, it was difficult for firms to get the financing they needed, which exacerbated the economic downturn. Since then, central banks have introduced measures to increase liquidity in the financial system during the crisis. Fifth is the role of government intervention. The crisis proved the need for government intervention in the economy in times of crisis. Governments around the world provided fiscal stimulus and implemented accommodative monetary policies to stabilize their economies and prevent further recession.

04 The impact and insights of this Credit Suisse incident

First, the global financial system is under increased pressure from systemic risks, and risks are still being transmitted. From a market perception perspective, the direct impact of the Silicon Valley bankruptcy was limited to some regional banks in the U.S. The impact of the Credit Suisse incident on the global financial markets and economy was of a different magnitude. The much-discussed full write-down of approximately $17 billion of Credit Suisse AT1 bonds triggered a widespread sell-off of AT1 bonds in Asia-Pacific and European markets, with financial institutions with heavy positions suffering large losses. Despite the rebound in AT1 bond prices in Asian markets on Tuesday, it is feared that investors' confusion and anxiety over the order of AT1 liquidation will not be fully dispelled. This market of up to about $275 billion may face a deep freeze, which will no doubt also trigger market concerns about the health of the global banking sector on a wider scale and will hit more financial institutions, and it is difficult to say that the market turmoil will end.

Confidence is the cornerstone of a properly functioning financial sector. From the credit market, the market is generally expected to see a contraction of credit, which will accelerate the emergence of the U.S. banking sector credit inflection point, will also make the Federal Reserve's decision more difficult, the market recession expectations in the rise. From the financial market, the Silicon Valley Bank incident superimposed on the Credit Suisse incident, the banking industry in Europe and the United States have to switch to the crisis mode, the risk of spreading the trend. The transmission chain of the U.S. subprime crisis is a real estate default → MBS prices plummeted → CDO prices annihilation → financial institutions collapse, and the banking crisis is likely to develop along the chain of interest rates rose sharply → market value loss → deposits and other liabilities outflow sharply → liquidity risk outbreak → collapse, be acquired, the U.S. government policy on the expansion of the scope of deposit insurance landing remains to be seen, at least until then The problem of regional banks in the US will continue. Investors are concerned that losses from rising interest rates + liquidity problems will eventually trigger asset quality problems for financial institutions.

Past research has shown that financial crises are contagious, with financial market correlations increasing significantly in crisis mode and volatility spillovers. Although from the current market volatility, in addition to the U.S. bond market volatility has hit a new high since 2008, foreign exchange, stocks and other markets volatility rise relatively small, but need to be alert to the European and American banking crisis is not handled properly, may trigger a global financial market tsunami and global cross-border capital flows dramatically, be alert to the formation of China's financial market impact.
Second, the reputation of the Swiss banking sector has been hit again, and the cracks in the international monetary system have deepened. The Swiss banking industry has been criticized in recent years for helping the rich to avoid taxes. Since 2007, 85 Swiss banks have been fined a total of $5 billion for helping U.S. bank clients hide their wealth, including Credit Suisse, which was fined $2.5 billion in 2014 for helping wealthy Americans avoid taxes. Some of the practices of Swiss banks during the Russia-Ukraine conflict have caused customers to worry that the nature of their banking industry is changing again. Credit Suisse alone has frozen some CHF 17.6 billion of Russian assets, or about 33% of all assets of Russian natural and legal persons in Switzerland, according to the Swiss daily newspaper Le Journal. A large number of deposits of non-Western clients are accelerating out of the major Swiss banks. Credit Suisse, for example, had an outflow of CHF 123.2 billion for the year 2022, and in the fourth quarter alone, customers withdrew CHF 110.5 billion in funds from Credit Suisse. And this anti-conventional decision by Swiss regulators to write down the full amount of AT1 bonds hit the market so hard that the ECB had to step in to emphasize that the EU's order of indemnity criteria are not set by Switzerland. And this incident made the Saudi National Bank, which took a stake last year, lose 1.1 billion Swiss francs in less than 15 weeks, sounding another alarm for the acquisition of problematic financial institutions across borders.

The West's financial sanctions against Russia in recent years have raised concerns about the reliability of the dollar as an international reserve currency, and the Swiss banking sector's involvement has called into question its adherence to the principle of neutrality. Against the backdrop of a century of unprecedented change, the cracks in the international monetary system are deepening and the financial order is undergoing intense restructuring in the wake of the crisis. The recent increase in gold purchases by central banks and the continued rise in the price of gold are a reaction to the distrust of the existing international monetary system. The multipolarization of currencies may be an important direction in the future, and the RMB will play a greater role in the construction of the new pattern due to the gradual improvement of the Chinese economy, the increasing depth of the market and the expanding use of overseas. The historic window for the RMB to increase its internationalization and become a more widespread settlement and reserve currency may be emerging.
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2023.03.22 16:36 ANewOriginalUsername When traveling overseas, is it better to use and swipe my card or would it be better to bring cash to exchange and only pay in cash?

So I'm currently in a position where I'm able to save up money every year to go on one international trip by myself.
On the one hand, I'm told exchanging for hard cash would be better as I won't be hit by Fees and exchange rates every time I swipe my card. However I don't want to travel around with a relatively large amount of money in my pocket that could be stolen or lost.
So I'm just curious, would it be better to just draw out a bunch of money and then exchange it for whatever local currency I'm traveling to, or can I survive off using my (FNB) card?
Just to add when I tall about spending its almost solely going to be on food and the odd souvenir nothing that will result in thousands of Rands worth of spending per day
submitted by ANewOriginalUsername to PersonalFinanceZA [link] [comments]

2023.03.22 16:34 bunbunchum Legit Website?

I’m going to Korea in 2 weeks and was wondering if anyone has used Creatrip, specifically for foreign currency exchange? The rates for USD to KRW currently looks better if I exchange money in Korea than my local bank, and even better with the Creatrip exchange rate. So if anyone has heard of used Creatrip or know the current best foreign exchange, would love to know! Thanks
submitted by bunbunchum to koreatravel [link] [comments]

2023.03.22 16:19 RROD93 Money and Why You Should Love It Out Loud

"You think that money is the root of all evil? Have you ever asked what is the root of money? Money is the tool of exchange, which can't exist unless there are goods produced and men able to produce them. Money is the material shape of the principle that men who wish to deal with one another must deal by trade and give value for value. Money is not the tool of the moochers, who claim your product by tears, or of the looters, who take it from you by force. Money is made possible only by the men who produce. Is this what you consider evil?"

Ayn Rand

Money is great! Do not let anybody tell you otherwise. Make your peace with it before you ever consider becoming a trader … allow yourself to be motivated by the prospect of acquiring more of it.
Money is freedom. Money is providing for your family, providing for your community should you want it. Money is time, time for you to spend with whom you love, doing the things you love, even if that means spending more time making more money.
If you think about whether you want to make money, then you need to give value for value. You need to provide a service, a product, an idea … put in simple words, you will need to help other people.
Should there be no one interested in your help, then you get no money. Should your service, product, idea … prove to be of no value, then soon enough you'll run out of people to help.
Should you try to sell illegal services, products, ideas, then soon enough the authorities who've been entrusted to protect the values you/your representatives voted to protect, will catch up on you and prevent you from keeping on violating those values. Yes, 'The Wolf of WallStreet' is great, 'The Peaky Blinders' are great, all these American gangster movies and series are great but have you ever wondered what is the time span these movies cover? What happened to their glamorized protagonists soon enough?
Bezo, Elon, Gates … These guys end up becoming arrogant pricks and no one should have all that power. Well. Do not forget that these guys have made their fortunes legally, by providing value for value … they helped a lot of people, it only turned out that these were really a LOT of people. Were these people ever forced to buy Teslas or use Amazon? Like they are forced to pay their taxes? Their employees … were they ever forced to keep on working for Tesla or Amazon? Money is freedom, freedom is money. Hasn't Elon just lost a truck load of money over the last year? More than you can even begin to imagine?
The free markets, although despised by a great deal of the population, are the greatest ever mechanism devised to allocate resources in harmony with our inherent and fundamental desire to be free human beings, to decide for ourselves, to work on our own craft, to want more or less … and to respect everybody else's equal freedom in the process.
Do you really despise Elon Musk? Then stop buying from him. Do you really despise Jeff Bezos? Then start walking to the mall to make your purchase. Should everybody else think like you, then I can tell you soon enough they will get stripped out of a great deal of their fortune if not all. Do you work for any of them and you feel you are not paid enough? Then quit, find another job, start your own business like they did.
We are nowadays standing roughly on 10000 years of recorded civilization. We've tried to motivate people to work, to produce, to exchange value and help each other by other means. Forced laboslavery? Thank God it failed. Government authority/police enforcement/government paternalism/ communism? Thank God all of these failed. Excessive taxes, excessive obstacles for the free practice of trade and private enterprise? Thank God these failed … It's just a shame that all of these took so many revolutions, blood, death and sacrifice to get overcomed and replaced for more liberal regimes.
You can't force people into producing sustainably, you can't squeeze people into paying taxes to starvation sustainably … What you can do is to stimulate them to produce by rewarding them to produce or to serve other people with products or services that other people value. How can you tell if other people value whatever you've got to sell? They'll barter, they'll pay for it. Those numbers you see in your bank account, those pieces of paper you hold in your wallet are just tokens for that value. Tokens for you to carry and exchange for things of value to you, instead of carrying goats, wheat or whatever with you. And guess what, should you be good at providing that value, then the market / other people will reward you even more for doing what you do. Conversely, should you either not produce or serve things of value, then soon enough the market will tell you that you need to produce something else. Should the market suffer intervention that will prevent you from being rewarded for providing value … then soon enough you will stop providing that value. Your good will can take you only so far.
Don't hate the player … and don't hate the game. It is designed to help you should you have a strong appetite for helping other people … or should you have a strong desire to simply help yourself … Does the difference really mean, as long as you help?
How about traders? Those vicious, malevolent, greedy creatures. Money won't lie. They have a very important role to play. They finance the companies with winning products and management. They provide liquidity and assume the risk which some entities don't want to … enabling these entities to focus on the risks they want to assume. They punish the companies which are not helping society or the economy with their products …
Or they fail to do any of the above and soon enough they are expelled from the markets … by the markets themselves.
Does it really matter what's behind their intentions? Does it really matter whether all they want is to make more money or just to help finance a good company?
Money speaks the truth over the long run. Money is freedom. Money is just a tool. Do not be the person who whines if you don't have or if the maleficent traders and entrepreneurs have 'too much' of it. Just go out there and help other people with your time, talent, idea, product, service … soon enough you'll have should you be playing in a free market environment or the closest possible.
Do not hate the player … and do not hate the game.
Ruben / Tenacious Tribe
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2023.03.22 16:16 CartographerConnect9 £1.5K build for Cities skylines!

Hi Guys,
Im trying to build my first ever PC and i want it catered as much towards the city building game Cities skylines, CS2 is also coming out this year so it will need to be future proofed for that too. If anyone could help with this would be great im really struggling.
Main things it needs is: High CPU clock speed minimum 32GB RAM with good speed Decent graphics card so its future proofed for CS2 Needs to play on 1440p
Please keep in mind im in the UK where parts are more expensive than US and currency exchange can affect price.
Thanks and let me know
submitted by CartographerConnect9 to PcBuild [link] [comments]

2023.03.22 15:51 Ohrfeigenbaumchen Nubeva Technologies (TSX-V: NBVA OTC: NBVAF) releases their latest quarterly results with revenue increase of more then 1000% from last quarter and positive net income.

Nubeva Technologies (TSX-V: NBVA OTC: NBVAF) releases their latest quarterly results with revenue increase of more then 1000% from last quarter and positive net income.
Nubeva Technologies (TSX-V: NBVA OTC: NBVAF) has released their latest financial statements with a revenue increase of more than 1000% over last quarter and total comprehensive income of $163,073 compared to a total comprehensive loss of -$818,023 in the previous quarter. No further dilution of shares is believed to be necessary by the management (link to the press release here).
Who is Nubeva?
Nubeva is a pioneering technology company that is dedicated to developing cutting-edge solutions to combat ransomware, a significant and growing threat to the global economy. Their patented Ransomware Reversal solution enables ransomless description of attacks for faster, easier recoveries without paying criminals.
For more information visit their homepage.
With three 7-figure, multi-year contracts announced in the last four months, total current assets exceeding 3.6 million, predicting no further dilution for shareholders and just becoming cashflow positive for the last quarter, Nubeva Technologies could become the next big thing.
We live in exiting times. GLTA.
submitted by Ohrfeigenbaumchen to Canadapennystocks [link] [comments]

2023.03.22 15:48 Ohrfeigenbaumchen Nubeva Technologies (TSX-V: NBVA OTC: NBVAF) releases their latest quarterly results with revenue increase of more then 1000% from last quarter and positive net income.
Nubeva Technologies (TSX-V: NBVA OTC: NBVAF) has released their latest financial statements with a revenue increase of more than 1000% over last quarter and total comprehensive income of $163,073 compared to a total comprehensive loss of -$818,023 in the previous quarter. No further dilution of shares is believed to be necessary by the management (link to the press release here).
Who is Nubeva?
Nubeva is a pioneering technology company that is dedicated to developing cutting-edge solutions to combat ransomware, a significant and growing threat to the global economy. Their patented Ransomware Reversal solution enables ransomless description of attacks for faster, easier recoveries without paying criminals.
For more information visit their homepage.
With three 7-figure, multi-year contracts announced in the last four months, total current assets exceeding 3.6 million, predicting no further dilution for shareholders and just becoming cashflow positive for the last quarter, Nubeva Technologies could become the next big thing.
We live in exiting times. GLTA.
submitted by Ohrfeigenbaumchen to Baystreetbets [link] [comments]

2023.03.22 15:18 Competitive-Edge-685 Lunatics Token is going Luni!

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submitted by Competitive-Edge-685 to u/Competitive-Edge-685 [link] [comments]

2023.03.22 15:11 Crypto_Kingdom_1 Clear Roadmap & Doxxed team & Audited smart-contract

The Starzz ecosystem is shaking up the sports and entertainment industry by utilizing blockchain technology and a pioneering decentralized autonomous club (DAC) concept. The objective is to enable Champions by acknowledging their biggest fans, unlocking fresh monetization opportunities, and enhancing the lifetime value of every fan through actively including them in the decision-making process through voting with unique Champion tokens. Moreover, fans will finally have a say in the decisions and future of their favorite Champions as well as a degree of engagement with them that they have never had access to.
This holistic ecosystem includes 4 core modules:
Supporterzz Platform: The central hub where all the action goes down - fans and Champions can connect with each other like never before before.
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submitted by Crypto_Kingdom_1 to Coinbase_Referrals [link] [comments]

2023.03.22 14:59 bestchange_pr Raoul Pal predicts bitcoin will rise to $50,000 this year

Texas Senator Ted Cruz has introduced a bill that would ban the Fed from issuing its own digital coin to retail customers. The politician believes that his initiative will prevent the authorities from using the digital asset to spy on citizens.
According to the senator, it is necessary that the policy of the US government in the context of digital currencies protect the privacy of users and promote the development of technology. Unlike, for example, bitcoin, the cryptodollar can become a tool for spying on the operations of individuals, the politician fears.
“The federal government does not have the right to unilaterally establish a central bank digital currency. This bill is designed to ensure that the authorities do not try to centralize or control cryptocurrencies, but rather allow them to flourish in the United States. We must empower entrepreneurs, not stifle their financial freedom,” said Cruz, whose initiative was supported by several other senators.
Analysts at Goldman Sachs consider BTC the best asset of the year. They noted that the cost of bitcoin against the background of other large assets for an incomplete quarter had shown the most serious growth.
In absolute terms, the exchange rate of the main crypto coin has increased by 51% since the beginning of 2023. The price of BTC has crossed the $28,000 mark. Experts expect that bitcoin will continue to grow. Goldman Sachs also believes that the value of the first cryptocurrency is increasing against the backdrop of a likely easing of monetary policy by the Fed in the near future.
And Real Vision CEO Raul Pal predicts bitcoin will rise to $50,000 this year. According to him, excellent conditions have now been created for BTC, like gold, to acquire the status of a defensive asset. And this will contribute to the growth of the value of the cryptocurrency in the near future.
“I think the number of price slippages will be noticeably greater than people expect. Therefore, up to $50,000, the price of bitcoin can reach faster than most people expect. This year or within 12 months? It is quite likely,” said Raul Pal.
He also stated that the interest of large investors and ordinary people in digital assets will grow.
submitted by bestchange_pr to bestchange [link] [comments]

2023.03.22 14:50 Exex_com HOW TO START TRADING ON EXEX🚀

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2023.03.22 14:34 Gestobersenpai [OFFER] 50$ with Uphold - 40$ from Uphold & 10$ from me(WORLDWIDE)

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submitted by Gestobersenpai to signupsforpay [link] [comments]

2023.03.22 14:32 ohsosweet10 Anyone like to keep some foreign currencies? What do you do with it?

I had 1100 Philippine Peso left from last time I was in Philippines, which amounts to about $20. I didn’t see the need to have it exchanged on my way back to US so I just kept it, which I’m glad I did because whenever I see it in my wallet, it reminds me of how fun my last Philippines trip was. Then my coworker gave me a red envelope for the Lunar New Year and I put my PHP there for good luck.
I also had some Canadian coins that I kept in my wallet after my trip which got mixed with my US coins. That time, I also had some PHP coins too. I Several years ago, I went on a date with a guy and we went to an arcade. I was fishing for quarters but kept coming up with the foreign coins. Guy was like, “why do you have pesos and Canadian coins?”, and I said, “Well, I was just in those countries”. Made the “love to travel” line on my dating profile worth it lol!
When you have small currencies left over after your travels, what do you do with it? Keep it in your wallet? Put it in a scrapbook? I’d love to hear what you do with your foreign currencies! Even better if you could share some stories of your travels related to the currencies!
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2023.03.22 14:32 waveform06 On Binance, Solana, and Helium’s Bright Future

The mission to wireless ubiquity has not changed and will not be deterred

On March 17, Binance announced it would delist the Helium (HNT) token from its exchange. Although this development might initially seem discouraging for the dedicated community members building on the Helium network, we choose to view it as an opportunity to not only educate our community and the wider crypto ecosystem about the state of the Helium Network, but also to reaffirm our unwavering commitment to realizing the future of decentralized wireless.
Firstly, HNT is still widely available to the general public on several industry-leading exchanges including, OKX, Bybit, KuCoin, and Community members can still access their tokens, swap them, transfer them to a different wallet, and convert their local currency into HNT through a robust global infrastructure across multiple platforms. For the safety of all participants in the Helium ecosystem, we encourage all Binance customers to take custody of their HNT using the open-source Helium Wallet app or migrate to one of the many other venues that currently support HNT.
We’re also excited to confirm that the migration to Solana is now set in stone for April 18, as decided by a group of technical stakeholders from the Helium community. No more votes, no more discussions, no more postponements. It’s happening on April 18.
The migration was always going to be the dawn of a new era for the Helium Network, which will be able to achieve greater scale and power multiple types of wireless networks. That vision has never changed. Rather than building both a blockchain and a wireless network, the migration allows the Helium community to double down on its core mission of a ubiquitous wireless network. Solana offers the ability to power thousands of transactions per second and is composed of a massive ecosystem of developers, applications, and integrations.
This migration offers the unique opportunity of making HNT natively compatible with other platforms within Solana’s ecosystem, adding even more utility for HNT, MOBILE, and IOT token holders. To make the process smoother for the members of the Helium community, we have published migration guides that can be accessed here.
One of the major features of natively running on Solana is that community members can be active participants in the Solana DeFi ecosystem with their HNT, MOBILE and IOT — anyone can buy, sell, and lend their tokens permissionlessly on platforms like Jupiter, Orca, Raydium, Kamino, and more. By participating, Helium community members earn a percentage of the transaction fees: people-powered finance for a people-powered network. In addition, Helium community members can actively participate in on-chain governance using Realms and directly drive the future of the Helium network.
We are also pleased to announce that all Helium smart contracts on Solana have been audited by the highly reputable security research firm Sec3, formerly Soteria, which has validated the security and reliability of the Helium ecosystem. We take the safety of our community very seriously and are proud to have undergone this rigorous auditing process, which you can find here. The Helium Foundation is in close contact with Binance and continues to educate them about important security updates like Sec3, the network’s core initiatives, and the development roadmap in the spirit of collaboration and full transparency were they to reconsider their decision.
Finally, we would like to extend our gratitude to the amazing community that is building industry-defining projects on top of the protocol. Together, we will continue to push the boundaries of wireless technology and bring the benefits of the decentralized, peer-to-peer internet to the world.
submitted by waveform06 to HeliumNetwork [link] [comments]

2023.03.22 14:20 G_Piggiez Where do source Oxford needle #10 in Canada

On Amazon the Oxford needle seems to be priced twice as much as it is posted in other places in the States (accounting for currency exchange). If you're in Canada, how do I get my hands on a normally priced Oxford needle #10? Thank you.
submitted by G_Piggiez to PunchNeedle [link] [comments]