The Risks of Bitcoin

 The Risks of Bitcoin that investors need to be aware of

Risk one-The volatility of bitcoin

Everyone knows how volatile bitcoin is and those who invest in this will see the value of this cryptocurrency fluctuate quite dramatically. Unless you can cope with the rises and falls of bitcoin then investing in bitcoin is not for you. There is little to be gained if the loss of your capital is going to cause you to lose sleep. I cannot stress enough the importance of using your discretionary spending money to play the cryptocurrency market.

What is discretionary spending?

It is money which is spent on travel, eating out, entertainment, hobbies and sports.

You would never spend the rent money or money which has been set aside for your retirement on entertainment such as a day out at the races so you should not use that money for playing the cryptocurrency market either.

Risk two-Hacking

A company called "Cryptopia '' which was an online bitcoin trading platform held funds invested in Bitcoin. It was hacked into and all those with bitcoin invested with cryptopia lost their money. There were some sad stories concerning the large amount of money lost by some individuals.

It has to be repeated that you should never play cryptocurrency money with funds you cannot afford to lose or to place too many eggs in the one basket as many of these investors appear to have done.

The other thing I have to add is that the actual amount of money lost by cryptopia investors is likely to be grossly inflated due to the rising price of bitcoin. If someone invested $1,000 in bitcoin and this rose to $10,000 in a few years only for them to lose the lot. It will go on record that this person has lost 10k when in actual fact, it was just 1k they lost.

Risk three-Lost passwords

An Australian man is locked out of his bitcoin wallet because he cannot even remember his password. The website where he has his bitcoin will lock him out of his wallet permanently if he has made ten failed login attempts. He has made eight. He has over 300k in his bitcoin wallet.

The lesson here is to write down your password and keep it locked away in a safe place.

The other piece of advice is to diversify your portfolio so that if something goes horribly wrong you will not lose too much in one hit.

Risk four-Government controls

Governments have the ability to ban crypto trading; China has done just that. Several agencies in China have joined forces to ban what they describe as "illegal'' cryptocurrency activity. This is not to say other countries will follow suit but it just illustrates a point that governments do have the power to do this.

Risk five-Taxation

Two things in life are certain, death and taxes. You can be sure that at some point the taxman will want a piece of your bitcoin pie. Whether it be in the form of a Capital Gains Tax or the increased value of bitcoin. It should be remembered that if you are being taxed on the Capital Gains of your bitcoin then it may be possible to claim tax back on any capital losses. A good accountant will be able to advise you here.

Whatever form of capital gains you are investing in it should always be remembered that when there is the opportunity for capital gains there is also the possibility of capital loss Investing in cryptocurrency is risky therefore, it cannot be stressed enough that the money you invest in bitcoin must be money you can afford to lose.

Make My Own Website

Have you ever thought 'I would love to make my own website' but do not really know where to start? Have you started making your own website and given up half way through because the whole process just seemed too difficult and complicated?

If you do go on to make your own website this can be one of the most profitable things that you could ever do if you want to make serious money on the net.

However, if you are fairly new to the internet the whole process of making your own website can seem quite daunting and intimidating! I know, I have been there. When I first had the thought that I would like to make my own website I was really excited. My own website making me money as I sleep! But I was soon brought down to earth with a very big bump when I started to make my own website. It was down to information overload and not really being clear on what I had to do to make my own website.

Well, there is a secret to making your own website and getting it live on the web. What is this secret? It is to realise that learning about making your own website is a process and that you need to work through that process step by step tackling any obstacles one by one.

If you learn the skills involved and work through the process you will be successful. It is as simple as that!

As you gain skills, you will gain confidence. As you gain confidence, your dream of 'I want to make my own website' will become a reality.

Let me repeat that getting online with your own business is not that difficult. You have to follow the process and learn the skills needed. Oh, and one more thing you have to be persistent! Work on your website project every day. If you plan your work and work your plan consistently and persistently I promise you that you will achieve your ambition to make your own website. So keep the thought 'I want to make my own website' firmly in your head and it will soon become a reality for you.

More than that you will then be in a position to reap the benefit for years to come for both you and your family. So go on take the first steps and make your own website a reality.

Years from now you will remember the first time when you first thought 'I want to make my own website' with a smile on your face!

Hi, I am Cheryl Smith. If you would like to learn the process of building your own website business, you can access a superb, very easy to follow set of videos and ebook here that will take your hand from start to finish. The best part is that this wonderful resource is absolutely free! Go to  you will be amazed. I promise you!

Is a money making website really necessary? With so many ways to make money online giving free websites it does cause a person to question whether they should develop their own website or not.

I will briefly go over a few reasons why you either need to build your own money making website, or you need to hire somebody to do it for you.

1. Many business models such as network marketing and affiliate marketing provide free websites to their members. All you have to do is step back and do the math to understand there are thousands of people all promoting the same website. Do you honestly think this is a good idea?

2. From a competitive standpoint having a website of your own makes sense! With billions of websites on the Internet it is very competitive.

This already gives you plenty to compete with, but if you're using a replicated website you are also competing with other members just like you. You might as well limit your competition a little bit and stack the odds of succeeding more in your favor.

3. Making money on the Internet is as much about control as it is anything else. The sooner you begin to take control of your own success the faster you will become successful.

When you have your own website making money you control everything about it You get to decide what programs and products to market, how you're going to advertise them, the design of your website, and so on. Control is a good thing!

4. So the next natural question is how hard is it to build a website to make money with? The obvious answer is it comes down to how technical you want to be.

For example you can easily set up a blog and have a great looking website with very little effort. It definitely is true that today people are using their blog as their primary website.

5. Some people just do not have time and for that reason you should hire a freelance website builder. Or you may want to consider the blog concept and have them set up a blog for you.

Often times what a person does in their Internet business comes down to time or money. Having a money making website built for you is only half of the process.

What you have your website you need to start to advertise it can continue to add fresh content. Again you may want to turn to a freelance person to help you with some of these functions.

Hopefully this article has given you a few tips on whether or not you should build a money making website of your own. In my opinion the answer is yes.

Is Conflict an Inherent Factor of Religion?

One of the most difficult areas to get past in human relations is the idea that "my" religion or ideal is Truth and yours isn't. When someone says to you that your beliefs are all wet compared to his or hers, how does that make you feel? Historically, it has made people feel so bad that they have killed each other. This is not good.

If only there was a way where we could sincerely say to those who are not of our faith, "You're okay, even if you do not believe our way." Unless we find a way to honestly and openly do that, unless we as a nation find a way to say to other countries that they are okay just as they are developing, (as if we didn't have our problems as a young nation), then we will be in constant conflict.

If, for a moment, we can leave aside threatening and incendiary remarks, such as, "If you don't become enlightened, you will be reborn into suffering forever," "Unless you accept Jesus as your savior, you will go to hell," and "Allah is the only God, accept him or else," along with all the other claims of various religions (and the numerous branches of the various religions that separate us further, i.e., Catholic and Baptist in the Christian faith), what is there left to talk about?

If we have nothing left to talk about, then of course religion can justifiably be termed a vehicle of separation; something that has caused violence in the past and continues to be a destructive force in the present.

Some might say that their beliefs and principles are more important than any conflict, and that they are ready and willing to die for them. Okay, passion is an important factor, and if their religion or ideal sanctifies conversion by force, then one would be justified in their mind. I posit, however, that in the deep tentacles of all religions lies a universal love for all mankind, regardless of beliefs, and that conversion by force comes from man's ego.

In reality, we usually tolerate beliefs other than our own and generally smile and make nice to people of other faiths. But down deep, if we think that they are misguided and that we should save them, or resent the fact that they can't see the light and consider them inferior to ourselves, then we are two-faced.

Perhaps better than becoming two-faced is having it out with them; arguing about our religions until we are blue in the face, totally exhausted, and ready to strangle each other. At least we would be honest.

In my articles, I try to promote principles that apply to all religions regardless of beliefs. I do this in order to advance past narrow opinions and toward more universal love and respect for each other. I'm not always successful.

I try to see the end product of what a particular religion produces regarding the type of people that result. Are they only nice in a playacting way, closet bigots, or are they genuinely interested in others well being, regardless of the others beliefs?

I can't say that one way or the other is right or Truth, but I can say, as I look back at history, that one way promotes peace and the other conflict. Again, if conflict is your cup of tea, then I can't say that you are wrong, but I can say that conflict will create suffering for yourself and others. Also, I can safely, I believe, say that peace promotes ease and joy for yourself and others. Just look at a family in conflict compared to a family in peace. To playact peace is to pretend to be peaceful around your peers but scream at your kids or husband in Wal-Mart! This is also being two-faced.

What it all boils down to is whether or not strong beliefs are worth conflict. If you say yes, then your life will be in conflict. You can't have conflict with those outside of your immediate group without eventually having conflict within your group. It's never an outside influence that brings up conflict, conflict is already planted in your mind just looking for a target, and when the outside targets aren't there, the sharks eat themselves.

The question is; do you want to change your mind from one of conflict to one of peace? Don't answer too quickly; many people prefer conflict. Conflict, win or lose, boosts the ego and makes one feel that they are alive. Peace, on the other hand does not increase ego or support the notion of a person separate from everyone else.

In my articles, I mention ego or self all the time, because ego, not religion or ideals per se, is the central reason for our internal and external conflicts. The idea of "me."

So how can you change your state of mind of conflict? Can you keep your strong beliefs and resolve the conflict in yourself? That would be the best of both worlds.

I believe that we can do that, it's just a matter of calming down an ego that we have created and now must constantly shore up. This creates the fundamental conflict within ourselves, and has nothing to do with religion or religious beliefs, but everything to do with how we get along with ourselves, our group, and fellow human beings.

If ever there would be a universal religion, it would work toward resolving this problem of conflict within ourselves Regardless of what we believe or what books we follow, until we understand ourselves and how we interact with that little person inside our heads, all of our actions and ideas will be skewed.

But once we know ourselves and how we operate, we can then believe as we choose, while at the same time understanding and accepting the rest of humanity regardless of their beliefs, because we will know that we are all fundamentally the same.

What Is Thoroughbred Horse Racing?

Thoroughbred racing is amongst the most preferred type of horse racing in the world. It is often referred to as "sport of kings" due to its rich and royal history. This sport has a wide fan base spread throughout the world.

In this sport, a thoroughbred horse proprietor hires a coach for the training of his horse for a particular type of race. The training regime of each form of race differs. Thus, you need to decide upon the type of race you are more interested in. At the same time you need to consider the characteristics of the horse as well as the training regime adopted by the coach. If you are able to get these things right, then it will definitely help to improve your horse racing results. Thoroughbred horse racing is of several types including:

Maiden Race - It involves all the horses that haven't raced before. Basically, it is just a test race for the horses to see their strength, weakness and endurance. This is considered as amongst the most thrilling type of race due to the fact that it involves horses in their actual physical characteristics, without any training and strategy.

Allowance Race - In this, the experienced horses participate. However, the stakes are not as high as in bigger leagues. Generally, trained horses participate in this form of racing.

Grand Stake Race - It is one of the most popular and most followed forms of thoroughbred horse racing and it involves a lot of money. Fans like it simply because it's highly entertaining and at the same time gives you an opportunity to earn some handsome money. With right kind of information and adequate knowledge, you can easily improve your horse racing results.

Handicap Race - Theoretically, it is the most transparent form of horse racing, as all the horses that are participating in the race are handicapped based on their past performance in the events held before. It is also a hit among wagers as all the participant horses have got equal chances of winning.

Even though this sport looks very appealing as far as money is concerned, it is very much necessary that you pay attention to your horse racing results. You should constantly monitor the progress and ensure that you are able to achieve the desired results. You should seek as much information and knowledge on this sport as you can so as to improve your racing results.

There are many ways to enjoy and take part in the world of horse racing. I've owned race horses and groomed them. I've exercised my own horses and have also spent a lot of time deciphering the mysteries of a horse race as a handicapper. It's known as the sport of kings, but believe me, it is supported by the racing fans and bettors, many of them who make small bets, rather than just the elite who the sport supposedly exists for.

Without the money that flows through the race track the sport would be very different. The thoroughbred breed was originally developed by wealthy and influential people, but human beings have been racing horses for thousands of years, long before the thoroughbred breed was developed. That means, that while the modern thoroughbred racing we see today started as a rich man's sport, it has its roots much deeper in the human psyche and in our history and it is shared by rich and poor alike.

Rich or poor, people of both genders and of all nationalities will always want to race horses. Some do it for the love of the sport and to feel the thrill of the competition while others do it as a way to gamble and live vicariously through the experiences of the magnificent animals and brave and talented riders. The art of handicapping a horse race is an intellectual challenge that appeals to people who like intellectual sports and figuring out a good riddle.

The problem is that horse racing is expensive. While many do it for enjoyment, it costs money to feed and care for an animal that weighs a half ton. Vet bills and trainer fees add up quickly. Therefore, while some people who own race horses do make a profit, many do not. The same is true of people who wager on horse races. Everyone can't be a winner. The track has to take a fee from the pools of money that the bettors wager in order to run the race track and pay the municipalities their share of the profits.

While the owners pay a part of the fee for maintaining the sport, the bettors pay a fee as well. Who benefits? A few people who wager make a profit and a few who own the horses make a profit, but most people who are involved as owners or bettors are losers. The money they lose is the price they pay for the thrills and opportunities.

Employees of the race tracks make a living and the towns and states that receive money from the races benefit as well. On the other hand, those towns and states have to provide services, so it isn't all profit.

If you decide to become a horse player you better factor that fee and the expense of playing the races into your financial calculations If you approach the sport as both entertainment and a possible, though unlikely, source of revenue, you'll probably get a lot of enjoyment and a few genuine thrills out of your experiences.

It takes luck and sometimes hard work, however, to make a profit in dollars and cents. Your profit may be in the experience itself, but speaking as someone who has spent decades in the sport, I can truthfully tell you that time at the race track is time well spent.

Tips On How To Begin Making Money Online

How to Start Making Money Online

To start making money online, first of all, you need to decide on a business model. There are several types of businesses and opportunities online. What you need to do is decide which one of these opportunities you are going to pursue. Some of the most common online business opportunities today are affiliate marketing, freelancing, direct marketing, network marketing, and drop shipping. There are countless other opportunities out there but the ones we mentioned will give you better chances at achieving success. So choose one or two from them then start from there. In a lot of instances, you can combine several of them in a single online business. For example, you can set up a blog wherein you offer your freelancing services all the while promoting affiliate products.

Once you have decided on a business model, you need to try to learn everything that you can about it before you get started. One of the most common mistakes that people commit when making money online is that they go in very little prepared. They have no idea what they are doing or where they are going. With that said, it's very important that you educate yourself about the business you have chosen before you start building things. The more prepared you are during the initial stages of the business venture, the more chances you have in getting to your goals. Whatever business model or niche you want to break into; there are tons of resources online that you can use to learn all its nooks and corners. Most of these resources will be free.

When you think that you are ready to get rolling, you should get your own website. This is a very important step. Although it's still possible to make money online even without a website, having your own website will significantly increase the odds in your favor. You can accomplish more if you have your own website or blog. Getting a website these days is very easy. It can also be very cheap. The fees won't cut deep into your pockets. However, it's very important that you invest in reputable domain registration and hosting companies. They might cost more but they are worth it in the long run. You don't want your website to be going down a lot in the future, do you?

And the most important step of all in making money online, you must have online promotion skills. You should be knowledgeable about strategies like blogging, email marketing, video marketing, social media marketing and search engine optimization. These are the tools you need to spread word about your business.

Finding the right "guide to making money online"...

Trying to find the right "guide to making money online" for beginners can be a newbie's nightmare if you listen to all the "buy now" crap that bursts across your face when you're scanning the internet just to learn. The trick is to learn step by step how to earn money online, and follow that guide to a tee without getting sidetracked down a different avenue.

Why? Because the internet is full of different ways to make money online, and every one of them requires persistence! So if you find yourself drifting from one method to another, you're really just wasting your time and not getting anything done.

Your guide to making money online must first be aligned with the way you like to market...

There are several ways to market online, from practically free to extremely expensive. The thing you must remember is that the less money you spend, the more time you must prepare to devote to marketing.

Now, this isn't such a bad idea when you're looking first for a step by step how to earn money online guide, because, no matter how you cut it, you are in for a learning curve!

So my recommendation is to start learning without spending a fortune, because that way you can learn as you go and have fun with it.

Fun? How is learning how to earn money online for beginners fun?

Think of it as a video game. When you're first learning, you're just taking in a lot of information and finding the right strategy for you. And, once you've nailed it, you can sit back and let the jackpot deliver your success!

So what's the first step in my guide to making money online?

If you begin with a blog, your immediate cash outlay is very minimal. This way, you can practice your writing and video skills little by little. Don't wait until you "know everything" before you start.

Nobody knows everything, and marketing online is always a learning experience for all of us. The internet is just a means to exchange information for all of us, once you learn something, when you share it, you immediately are viewed as "the expert" in anyone's eyes who simply does not happen to know that one thing that you know!

And, you might have just learned it today and started blogging about it... and whala! You have just made a sale because somebody sees you as the expert!

What's the best guide to making money online for beginners? Blogging is a fun way to learn how to earn money online!

Once you get the hang of blogging, you can branch out from there. YouTube marketing is another "free marketing" strategy, and linking your blog posts to your YouTube videos is a great way to get more exposure and bring up the authority of your blog.

Just take it step by step towards successful online marketing As Marin Luther King Jr. said, "You don't have to see the whole staircase, just take the first step in faith".

Before you know it, you'll be knowledgeable on how to earn money on autopilot, and the best part is when you can help others achieve their success as well; that's truly rewarding!

Adventure Travel Destinations

Our world is a place that needs to be discovered, and thankfully, there are a few people who seek to have adventures while exploring the earth. The world has many adventure travel destinations which are located in every corner of the world. What is so interesting about adventure travel destinations is that in most cases, they have a unique, ancient history, yet, not many people have had the guts to go to explore them. Being amongst the few people who dare to visit such places in earth is courageous!

Most adventure travel destinations are located in Africa and Asia. Nevertheless, these continents differ in so many aspects. On the one hand, Africa has unpopulated areas where only ancient tribes may have lived, while in Asia we are talking about cities and villages which have a particular history. Africa's adventure spots are mostly located in Ethiopia, Kenya and the central Africa, while in Asia they are found mostly in Laos, Cambodia, Malaysia and Indonesia.

European adventure travel destinations are common mostly in Eastern Europe, including here Russian cities and especially villages. Siberia is another fantastic adventurous place, but it's definitely not for the faint-hearted! The Czech Republic, Slovakia, Hungary, Romania and so on also offer adventurous trips in various small and large cities. Balkans is also a perfect place to have adventures in Europe! South America is also a perfect place to have adventure traveling! I am not talking about the Amazon jungles, because that takes some bravery, but I'm mostly thinking of small South American villages, which are one of a kind!

People of all ages are choosing to seek out adventure on their vacations, and there are many destinations around the world offering for an amazing trip. What better way to truly enjoy yourself while also seeing the worlds most amazing natural wonders than on an adventure vacation? From hiking in the wilderness to scuba diving sunken ships in the Caribbean, adventure travel is the perfect way to satisfy your appetite for excitement.

There are many exciting adventure travel destinations and activities to choose from. Today, we are going to explore five of my favorite places to travel.

New Zealand

Located over 1200 miles from the coast of Australia, New Zealand is known the world around for its beauty. Majestic mountains, searing volcanoes, and sparkling blue rivers are what awaits you in this country. The most popular activities for travelers to New Zealand are skiing, rock climbing, trekking, and white water rafting. With so many options to choose from, it's easy to see why so many people enjoy visiting this country.

South Africa

This amazing country boasts some of the most exhilarating and exciting activities of anywhere on Earth. Its spectacular landscape and varied wildlife are the primary draw for travelers here. Nearly all of the worlds most wild animals call South Africa home, including Elephants, Lions, Rhinos, Cheetahs, and Giraffes. But that's not all, if you're an adrenaline enthusiast then take a jump off of Bloukrans bridge, at the highest commercial bungee jump in the world. As you can see, South Africa is the perfect place for an adventure off the beaten path and a vacation here is one you will not forget.


The largest of all the United States, Alaska is a land of extremes. Its remote wilderness has long been a favorite destination for active travelers and visiting here can be a life changing experience. From cross country skiing to kayaking through the iceberg filled Glacier Bay, Alaska has plenty of opportunities for the avid adventurer. Alaska is the perfect place for an exciting trip and while you're visiting here the last thing you'll be thinking about is how many new friends you've got on Facebook.

Costa Rica

The stunning tropical landscape of Costa Rica is a favorite destination for many. Its thick rainforests and varied wildlife make it the perfect place for nature lovers. There are many unique places worth exploring on a trip to Costa Rica, including the beautiful cloud forests and pristine sandy coastline. Travelers from all around the world make the trip here and for good reason. A vacation here is low on cost and high on entertainment making it especially popular for people affected by the ever increasing economic downturn.


Rich in cultural history, Bhutan is one of the most well preserved places on Earth. Home to the eastern portion of the Himalayas, this country is full of amazing natural wonders including some of the worlds tallest mountains Trekking, climbing, and biking are the most popular tourist activities in Bhutan, however experiencing the unique people who live here is another big draw for travelers. The region is dotted with mystical looking monasteries which will give you a peak into a life so vastly different from our own.

Each of these 5 destinations are unique and exciting adventures and they will all make for a memorable vacation. Whether you're looking for a family friendly adventure or a single person excursion, each of these places will provide the experience of a lifetime.


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