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Smartcat holders, go and Claim your Mint cat NFT if you haven't.

📣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💎

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 👇

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.

#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.

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

🚨 What's Next for $Core DAO? 🚨 25 July 🎯 $CORE New Announcement 🚀

🚀 Your Mobile Phone + Telegram = Crypto Machine! 📲💸 💀 BTC and ETH mining is dead. It's the era of **mobile mining**! 💥 How we will become rich very soon 👇🧵 💡 How to find a good project for farming on your mobile phone? 🌟 Try using Tapps Center http://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

🔥 Kamala Harris scheduled to address Bitcoin conference '24

Don't dull yourself here . Be seriously serious with the Catizen Join here and be mining it now : https://t.me/catizenbot/gameapp?startapp=r_1312_1209017

STOP Farming Overhyped Airdrops! I've discovered a hidden gem that rewards users with generous airdrops. Act fast, time is running out 🧵👇 Introducing ANT-TonAi ($ANT). It’s the first of its kind and truly unique. Join now, register, and start tapping in immediately: https://t.me/anttonecosystem_bot/Anttonaibot/?startapp=1019882264

DOGS Principles🐶 Do you like to wait? Neither do we. Here are the key things about the upcoming $DOGS listing: 🦴No locks or vesting 🤑Community owns most tokens 🏴‍☠️No investors 😵No new supply. Ever. 😎Telegram-native utility ❤️TON Blockchain Stay hungry, stay tuned🦴

$OGC Tokenomics ✅ Total supply : 1billion ✅ Distribution : 100% to community ✅ *Liquidity* burning for inactivity part of burned tokens returned to mining pool, another part was gone for Market Makers and pre-launch pools 📌 Mining Ratio 1 : 1 📌 No vesting 📌 Daily claim and partner apps rewards released instantly after one pass KYC 📌 Team rewards unlock immediately your members pass KYC NB: KYC will be done on listing exchanges. Go and register with the Bitget , do kyc

Introducing Swisstronik + Submit Email for Update Raised $6.5M in private seed round. ​ Introduction Swisstronik is a cosmos L1 cost effective KYC supported blockchain which brings together TradFi and DeFi while remaining decentralized. Submit Email Visit: https:// swisstronik. com/ (removed space auto delete)😕 Input Email and DONE!