Hey, Openex Network has once again postponed the $OEX claiming and TGE date. 😒
❌ First $OEX claim date was in April
❌ Second $OEX claim date was today, 25 July 🎯
🎯 The new postponed date is 25 September
Tag, share, and comment ✍️ on what you think about the $OEX delay.
#OEXCommunity #OEX #OpenEx #Listing #Bitcoin #EthereumETFs #SidraFamily
❌ First $OEX claim date was in April
❌ Second $OEX claim date was today, 25 July 🎯
🎯 The new postponed date is 25 September
Tag, share, and comment ✍️ on what you think about the $OEX delay.
#OEXCommunity #OEX #OpenEx #Listing #Bitcoin #EthereumETFs #SidraFamily
😁3👎1👏1
#Catizen and #HamsterKombat follow in the footsteps of Notcoin 😺🐹
☑️ Catizen and HamsterKombat launched their Pre-Market on several exchanges. #Notcoin began the same way, its Pre-Market started on Bybit ~2 months before the listing
☑️ Notcoin promised listing till the end of April but was forced to postpone the launch date.
As a result, the $NOT trading started on May 16. $CATI and $HMSTR should be launched by the end of July, but most people think that their TGE also will be postponed
☑️ I hope that Cat and Hamster will not disappoint the Community and distribute large airdrops of more than a billion, as $NOT did 🤑
Copied.
☑️ Catizen and HamsterKombat launched their Pre-Market on several exchanges. #Notcoin began the same way, its Pre-Market started on Bybit ~2 months before the listing
☑️ Notcoin promised listing till the end of April but was forced to postpone the launch date.
As a result, the $NOT trading started on May 16. $CATI and $HMSTR should be launched by the end of July, but most people think that their TGE also will be postponed
☑️ I hope that Cat and Hamster will not disappoint the Community and distribute large airdrops of more than a billion, as $NOT did 🤑
Copied.
👍3🔥1
I know you might feel too lazy to go through this post, but it could change your life forever. If you keep wandering from one post to another looking for that 100x, take a moment to sit down and read this. Trust me, it's worth it.
If you want to make more money, you need to understand the language of money.
Here are 21 money terms everyone should know:
1. Net Worth
Your net worth is the total value of all your assets and debts.
You can have a net worth that’s:
- Negative
- 0
- Positive
The goal is to build a positive net worth by:
- Saving
- Investing
- Paying off debt
Net worth = Assets - Liabilities
2. Income
The amount of money you make.
Income can come from your:
- Job
- Side hustle
- Rental property
- Stock market portfolio
The average millionaire has 7 streams of income.
Start building yours today.
3. Asset
Anything that has a positive value toward your net worth.
Assets can come in many different shapes and sizes:
- Gold
- Cash
- Patents
- Real estate
- Investments
There are 2 types of assets:
- Depreciating
- Appreciating
Build appreciating assets.
4. Appreciating Asset
Appreciating assets increase in value over time.
Examples include:
- Real estate
- Collectables
- Precious metals
- Stock market investments
Invest in appreciating assets for long-term growth.
5. Depreciating Asset
Depreciating assets decrease in value over time.
Examples include:
- Most cars
- Clothing
- Electronic equipment
Most of the depreciation happens in the first year of buying the asset.
6. Liability
Liabilities are debts you owe & count AGAINST your net worth.
Liabilities include:
- Car debt
- Mortgage
- Student loans
Not all liabilities are bad.
But make it a priority to pay off debts with high-interest rates.
7. Compound Interest
It can work for you or against you.
For you:
- Investing
You start earning interest on the money you’ve saved and the interest you earn.
Against you:
- Any type of debt
Unpaid debt can spiral out of control because of compound interest.
8. Simple Interest
Simple interest is not as good as compound interest.
Compound interest:
- Your initial savings & interest earn money
Simple interest:
- ONLY your initial savings earn money
- Any interest earned does not earn money
Compound is better than simple interest.
9. Budget
Budgets help you figure out how & where your money is going.
To create a budget, track every cent:
- How you made it
- How you spend it
Then categorize your spending as:
- Needs
- Wants
- Wishes
Spend on your needs and save/invest the rest.
10. Fixed Expenses
Fixed expenses will probably fall into your “needs” budgeting category.
They are often non-negotiable expenses.
Examples include:
- Rent
- Utilities
- Internet bill
- Health insurance
Plan to make space in your budget for fixed expenses.
11. Variable Expense
Variable expenses often fall into your “wants” or “wishes” category.
They often change from month to month.
Examples include:
- Vacation
- Dining out
- Gas money
If you don’t need it, then save it and invest it.
12. ROI
ROI is the return on your investment.
It measures how profitable an investment is.
Net return / cost of investment
However, time is not taken into account.
An investment with a 50% ROI over 15 years may not be as good as an investment with a 20% ROI in 1 year.
13. Dollar Cost Averaging (aka DCA)
DCA is investing a set dollar amount or Naira on a regular and recurring basis.
It’s automatic, like investing in your 401k every paycheck.
DCA helps you become a disciplined investor by removing your emotion from the picture.
14. Index Fund
Index funds track a market index and are either ETFs or mutual funds.
Market indices include:
- S&P 500
- Russell 2000
- Dow Jones IA
Index funds:
- Are low cost
- Give you diversification
- Won’t outperform markets
15. Fiduciary
If you’re ready to hire an investment professional, look for a fiduciary.
Fiduciaries are required by law to do what is in your best interest.
If you want to make more money, you need to understand the language of money.
Here are 21 money terms everyone should know:
1. Net Worth
Your net worth is the total value of all your assets and debts.
You can have a net worth that’s:
- Negative
- 0
- Positive
The goal is to build a positive net worth by:
- Saving
- Investing
- Paying off debt
Net worth = Assets - Liabilities
2. Income
The amount of money you make.
Income can come from your:
- Job
- Side hustle
- Rental property
- Stock market portfolio
The average millionaire has 7 streams of income.
Start building yours today.
3. Asset
Anything that has a positive value toward your net worth.
Assets can come in many different shapes and sizes:
- Gold
- Cash
- Patents
- Real estate
- Investments
There are 2 types of assets:
- Depreciating
- Appreciating
Build appreciating assets.
4. Appreciating Asset
Appreciating assets increase in value over time.
Examples include:
- Real estate
- Collectables
- Precious metals
- Stock market investments
Invest in appreciating assets for long-term growth.
5. Depreciating Asset
Depreciating assets decrease in value over time.
Examples include:
- Most cars
- Clothing
- Electronic equipment
Most of the depreciation happens in the first year of buying the asset.
6. Liability
Liabilities are debts you owe & count AGAINST your net worth.
Liabilities include:
- Car debt
- Mortgage
- Student loans
Not all liabilities are bad.
But make it a priority to pay off debts with high-interest rates.
7. Compound Interest
It can work for you or against you.
For you:
- Investing
You start earning interest on the money you’ve saved and the interest you earn.
Against you:
- Any type of debt
Unpaid debt can spiral out of control because of compound interest.
8. Simple Interest
Simple interest is not as good as compound interest.
Compound interest:
- Your initial savings & interest earn money
Simple interest:
- ONLY your initial savings earn money
- Any interest earned does not earn money
Compound is better than simple interest.
9. Budget
Budgets help you figure out how & where your money is going.
To create a budget, track every cent:
- How you made it
- How you spend it
Then categorize your spending as:
- Needs
- Wants
- Wishes
Spend on your needs and save/invest the rest.
10. Fixed Expenses
Fixed expenses will probably fall into your “needs” budgeting category.
They are often non-negotiable expenses.
Examples include:
- Rent
- Utilities
- Internet bill
- Health insurance
Plan to make space in your budget for fixed expenses.
11. Variable Expense
Variable expenses often fall into your “wants” or “wishes” category.
They often change from month to month.
Examples include:
- Vacation
- Dining out
- Gas money
If you don’t need it, then save it and invest it.
12. ROI
ROI is the return on your investment.
It measures how profitable an investment is.
Net return / cost of investment
However, time is not taken into account.
An investment with a 50% ROI over 15 years may not be as good as an investment with a 20% ROI in 1 year.
13. Dollar Cost Averaging (aka DCA)
DCA is investing a set dollar amount or Naira on a regular and recurring basis.
It’s automatic, like investing in your 401k every paycheck.
DCA helps you become a disciplined investor by removing your emotion from the picture.
14. Index Fund
Index funds track a market index and are either ETFs or mutual funds.
Market indices include:
- S&P 500
- Russell 2000
- Dow Jones IA
Index funds:
- Are low cost
- Give you diversification
- Won’t outperform markets
15. Fiduciary
If you’re ready to hire an investment professional, look for a fiduciary.
Fiduciaries are required by law to do what is in your best interest.
👍5
They put your interests ahead of their own - even if it doesn’t benefit them financially.
16. Asset Allocation
Asset allocation is when you diversify your money by investing in different asset classes.
Asset classes include:
- Cash
- Stocks
- Bonds
- Real estate
- Commodities
-Crypto or stablecoins
The riskier the asset allocation, the higher the reward (and possible loss)
17. Asset Location
Asset location is a tax alpha strategy that minimizes taxes by holding certain assets in certain accounts.
Take advantage of different accounts:
- Taxable
- Pre-Tax
- After-Tax
Example: You may want to hold higher growth assets in tax-advantaged accounts.
18. Risk Tolerance
You choose the amount of risk in your portfolio.
Ask yourself:
- How much upside do I want?
- How much value am I willing to lose in a recession?
- Can I sleep at night with a 20% portfolio drop? 50%?
Know yourself so you don’t sell when others are fearful.
19. Expense Ratio (EP)
This is often a hidden fee.
An EP is the fee you pay to invest in a fund.
A low EP is often less than 0.10%.
Don't let the "small" fee fool you.
A fund with a higher EP could cost you $100,000's over decades of investing.
20. Tax-Advantaged Accounts
Accounts with tax benefits.
Pre-Tax - (aka traditional) your contributions are deducted/not taxed, but your withdrawals are taxed (in most cases)
After Tax - (aka Roth) your contributions are taxed, but your withdrawals are tax-free (in most cases).
21. Gross vs. Net Income
You have to know the difference.
Gross - 100% of the money you make BEFORE you take out expenses, taxes, etc.
Net - The money that’s remaining AFTER you take out taxes, expenses, etc.
The number that matters?
Your net income = your take-home pay.
Thanks for reading!
If you found this thread helpful:
1. Join the Coderstech Academy this morning at 8am for the live training session on this and for more insights about personal finance
link : https://t.me/MyBinanceA
2. Share , tag others and comment ' YES " on the post so it can help more people 👇
16. Asset Allocation
Asset allocation is when you diversify your money by investing in different asset classes.
Asset classes include:
- Cash
- Stocks
- Bonds
- Real estate
- Commodities
-Crypto or stablecoins
The riskier the asset allocation, the higher the reward (and possible loss)
17. Asset Location
Asset location is a tax alpha strategy that minimizes taxes by holding certain assets in certain accounts.
Take advantage of different accounts:
- Taxable
- Pre-Tax
- After-Tax
Example: You may want to hold higher growth assets in tax-advantaged accounts.
18. Risk Tolerance
You choose the amount of risk in your portfolio.
Ask yourself:
- How much upside do I want?
- How much value am I willing to lose in a recession?
- Can I sleep at night with a 20% portfolio drop? 50%?
Know yourself so you don’t sell when others are fearful.
19. Expense Ratio (EP)
This is often a hidden fee.
An EP is the fee you pay to invest in a fund.
A low EP is often less than 0.10%.
Don't let the "small" fee fool you.
A fund with a higher EP could cost you $100,000's over decades of investing.
20. Tax-Advantaged Accounts
Accounts with tax benefits.
Pre-Tax - (aka traditional) your contributions are deducted/not taxed, but your withdrawals are taxed (in most cases)
After Tax - (aka Roth) your contributions are taxed, but your withdrawals are tax-free (in most cases).
21. Gross vs. Net Income
You have to know the difference.
Gross - 100% of the money you make BEFORE you take out expenses, taxes, etc.
Net - The money that’s remaining AFTER you take out taxes, expenses, etc.
The number that matters?
Your net income = your take-home pay.
Thanks for reading!
If you found this thread helpful:
1. Join the Coderstech Academy this morning at 8am for the live training session on this and for more insights about personal finance
link : https://t.me/MyBinanceA
2. Share , tag others and comment ' YES " on the post so it can help more people 👇
👍3
📣Event Alert
🎮Glad to be invited by CoinMarketCap for a chat on our visions & plans with our #TON friends!🔥
📅When: 24 Jul, 3:00 PM UTC
📍 Where: CMC Live
YESCOIN is cooking 🔥 Hope you're mining hard
Join if you haven't
https://t.me/theYescoin_bot/Yescoin?startapp=DmCqDd
You won't want to miss the alpha💎
🎮Glad to be invited by CoinMarketCap for a chat on our visions & plans with our #TON friends!🔥
📅When: 24 Jul, 3:00 PM UTC
📍 Where: CMC Live
YESCOIN is cooking 🔥 Hope you're mining hard
Join if you haven't
https://t.me/theYescoin_bot/Yescoin?startapp=DmCqDd
You won't want to miss the alpha💎
👍2
Do you wish to receive an airdrop? I know you do.
It's still early, so make sure to complete daily tasks and earn points while you can.
The more points you accumulate, the greater your allocation—it's as simple as that!
As you mine it, you can withdraw it. No stories at all, and the listing is coming very soon.
To withdraw, use this contract address: Bonkacoin
CA: CQypd6aNEJpVhcKqmf5knLcGpfPAMtaBusz7vd25d9Ny
Add Bonkacoin to your Solflare Wallet for a fast and seamless transaction. (Use Solflare wallet.)
I've personally confirmed the withdrawal process, so no need to hesitate. Join in on the fun!
AIRDROP LINK: https://t.me/BonkaAirdropBot?start=1019882264
It's still early, so make sure to complete daily tasks and earn points while you can.
The more points you accumulate, the greater your allocation—it's as simple as that!
As you mine it, you can withdraw it. No stories at all, and the listing is coming very soon.
To withdraw, use this contract address: Bonkacoin
CA: CQypd6aNEJpVhcKqmf5knLcGpfPAMtaBusz7vd25d9Ny
Add Bonkacoin to your Solflare Wallet for a fast and seamless transaction. (Use Solflare wallet.)
I've personally confirmed the withdrawal process, so no need to hesitate. Join in on the fun!
AIRDROP LINK: https://t.me/BonkaAirdropBot?start=1019882264
👍1🥰1
🚀 Your Mobile Phone + Telegram = Crypto Machine! 📲💸
💀 BTC and ETH mining is dead. It's the era of **mobile mining! 💥
Here's how we'll become rich very soon 👇🧵
💡 How to find a good project for farming on your mobile phone?
🌟 Try using Tapps Center: tapps.center 💰
I found this mining app interesting. Join our partner mining app and you are still early! 🚀
👉 Join Now: https://t.me/Privaca_bot/privaca?startapp=1279273625
Complete missions, invite your friends, and unlock powerful tools to boost your mining game.
Let’s level up and watch those earnings soar! 📈✨
#TON #Partnership #CryptoBoost
💀 BTC and ETH mining is dead. It's the era of **mobile mining! 💥
Here's how we'll become rich very soon 👇🧵
💡 How to find a good project for farming on your mobile phone?
🌟 Try using Tapps Center: tapps.center 💰
I found this mining app interesting. Join our partner mining app and you are still early! 🚀
👉 Join Now: https://t.me/Privaca_bot/privaca?startapp=1279273625
Complete missions, invite your friends, and unlock powerful tools to boost your mining game.
Let’s level up and watch those earnings soar! 📈✨
#TON #Partnership #CryptoBoost
$DOGS listing in August almost confirmed 🎉
Guys, are you checking daily or not? 🚀
Drop your referral link ✅
New User Claim 🛄: https://t.me/dogshouse_bot/join?startapp=vRJMjUA-Tcejg3yzlWwJFQ
#DOGS #notcoin #Airdrop
Guys, are you checking daily or not? 🚀
Drop your referral link ✅
New User Claim 🛄: https://t.me/dogshouse_bot/join?startapp=vRJMjUA-Tcejg3yzlWwJFQ
#DOGS #notcoin #Airdrop