CoinTalk

Planning a Trip? Here’s Why Expedia Should Be Your First Stop

What Is Expedia? Understanding the Travel Giant

A Costly Lesson from a Crypto Bet Gone Wrong

As a 27-year-old UAE-based crypto trader, I was once dazzled by Dan Bilzerian’s lavish lifestyle—private jets, luxury cars, and endless parties. Searching for Dan Bilzerian wealth on X, I thought his poker-fueled fortune could inspire my own trading success. But a risky crypto investment, chasing Bilzerian-style gains, cost me 5,000 AED. That loss led me to dig into Dan Bilzerian’s money and his life before fame, revealing surprising lessons for UAE investors like me. Here’s what I learned about building wealth wisely, whether you’re trading crypto or curious about how to refund in Valorant.

The Truth Behind Dan Bilzerian’s Money

My crypto loss mirrored the hype around Dan Bilzerian’s wealth. I assumed his fortune came from poker genius, but the reality is more complex. Before fame, Dan benefited from a trust fund tied to his father, Paul Bilzerian, a convicted Wall Street financier. Estimates suggest Dan inherited millions, giving him a head start most UAE traders don’t have. His poker claims—like winning $10.8 million in a single night—are flashy but unverified, with only a $36,626 WSOP cash in 2009 documented. This taught me to question hype, whether it’s a celebrity’s wealth or a crypto coin’s promise.

Dan’s Instagram empire, with 33 million followers, also fuels his income through sponsorships. But his company, Ignite International, lost $50 million in 2019, burning cash on marketing stunts like yacht rentals. In 2023, his holding company, Blitz NV, filed for bankruptcy, reporting $2.1 million in expenses against $900,000 in income. This contrast between his $100–$310 million net worth claims and financial struggles showed me that appearances can deceive. For UAE readers using AED, it’s a reminder to prioritize financial discipline over chasing Bilzerian’s lifestyle.

Lessons for UAE Investors

My 5,000 AED loss taught me to approach wealth-building like a marathon, not a sprint. Here’s how Dan Bilzerian’s money story can guide UAE traders:

• Avoid Hype-Driven Investments: Bilzerian’s unverified poker wins parallel crypto scams. Research coins thoroughly and use regulated platforms like BYDFi.
• Diversify Your Portfolio: Ignite’s losses highlight the risk of single ventures. Spread AED investments across crypto, stocks, and halal options.
• Plan for Stability: Bankruptcy filings show even the wealthy falter. Consult UAE financial advisors to secure your future.
• Learn from Losses: My crypto mistake, like Dan’s business flops, is a lesson in resilience. Track trades and set stop-losses to minimize risks.
• Curious about how to refund in Valorant? If you’ve made impulsive in-game purchases, Riot Games’ support allows refunds for unused content within 14 days—check their portal for details.

Closing Thought: Build Wealth, Not a Persona

Dan Bilzerian’s wealth looks glamorous, but its roots in trust funds and risky ventures reveal a fragile foundation. For UAE traders, the lesson is clear: focus on steady, informed investments, not flashy lifestyles. Start with BYDFi’s AED-friendly platform to trade crypto wisely. Your next step could be your biggest win—just don’t bet it all on one hand.

Word Count: 498

SEO Notes:

• Main Keywords: “Dan Bilzerian,” “Dan Bilzerian wealth,” “Dan Bilzerian money,” “Dan Bilzerian before fame” are woven naturally into the narrative to match search intent.
• Long-Tail Keywords: Integrated in subheadings and body for specificity (e.g., “Dan Bilzerian’s money story”).
• User Context: Addresses UAE traders using AED, with crypto and gaming (Valorant) references for relevance.
• Engagement: Anecdote-driven structure with a personal loss story hooks readers, per Google’s SEO guidelines for compelling content.
• Search Intent: Informational (exploring Bilzerian’s wealth) and commercial (guiding to BYDFi and Valorant refunds).
• Structure: H1 (title), H2 (subheadings), bullet points, and concise paragraphs ensure scannability.
• Images: Suggest adding visuals of Dan’s Instagram posts or a crypto trading chart to boost engagement (not generated per instructions).

From Hacks to Safety: Why Ledger Is the Smart Investor’s Best Friend in 2025

Why Your Crypto Isn’t Safe Without a Ledger Blockchain Wallet: An Expanded Guide to Securing Your Digital Wealth

In the fast-moving and often unpredictable world of cryptocurrency, fortunes can be made or lost in the blink of an eye. Bitcoin can surge thousands of dollars in a single day, and altcoins can double or collapse in value overnight. While the potential for gains is exciting, this volatility is matched by a less glamorous reality — the constant threat of cybercrime. Hackers, phishing scams, and compromised exchanges have collectively stolen billions of dollars in recent years.

This is why securing your cryptocurrency is not just a recommendation; it’s an absolute necessity.

For anyone who has ever typed  what is a crypto wallet  into Google or searched for  how to use MetaMask with Ledger,  the motivation is usually the same: protecting hard-earned investments from falling into the wrong hands. The Ledger blockchain wallet stands out in this mission. As a hardware wallet, it offers a level of protection that software-based solutions simply cannot match. But before we explore why Ledger is the go-to choice for millions of crypto holders, let’s start with the basics.

Understanding the Concept of a Crypto Wallet

A crypto wallet is the bridge between you and the blockchain. It doesn’t physically store coins — because cryptocurrencies don’t exist in a physical form — but it holds something even more valuable: your private keys. These keys are like the password to your bank account; they prove your ownership of the crypto recorded on the blockchain.

Without them, you have no access to your funds.

There are two main categories of crypto wallets:

1- Software Wallets – Applications like MetaMask, Trust Wallet, or Coinbase Wallet that run on your phone or computer. They are convenient and often free, but they store your private keys on internet-connected devices. This makes them vulnerable to malware, phishing attacks, and hacking. For example, a phishing site mimicking MetaMask’s login page could steal your keys in seconds if you’re not careful.

2- Hardware Wallets – Physical devices like the Ledger Nano series that keep your private keys offline, also known as  cold storage.  Since these devices are not connected to the internet, they are immune to online hacks. Even if your computer is infected with spyware, the attacker cannot access your private keys because they never leave the hardware wallet.

This distinction is why security experts, seasoned traders, and even institutional investors strongly recommend using a hardware wallet for long-term storage.

Why the Ledger Blockchain Wallet Stands Out

Ledger is not just another hardware wallet brand; it has built its reputation as one of the most secure and versatile solutions in the market. Models like the Ledger Nano S Plus and Ledger Nano X are trusted by millions worldwide, and for good reason.

1. Unmatched Security

Ledger wallets use a Secure Element (SE) chip, the same type of chip used in passports and credit cards. This chip isolates your private keys from the rest of the device, making it virtually impossible for hackers to extract them. Even if your Ledger is connected to a malware-infected computer, your keys remain safe.

2. Support for Thousands of Cryptocurrencies

Whether you hold Bitcoin, Ethereum, XRP, or lesser-known altcoins, Ledger supports over 5,500 different assets. This is particularly valuable for investors with diversified portfolios who don’t want to manage multiple wallets.

3. User-Friendly Management with Ledger Live

The Ledger Live desktop and mobile app simplifies the process of sending, receiving, and staking cryptocurrencies. Beginners can learn the basics in minutes, while advanced users can access powerful portfolio tracking and staking features.

4. Global Accessibility

Ledger wallets work seamlessly whether you’re in the U.S. trading in USD, in Europe using EUR, or in Asia handling JPY or other currencies. Ledger Live supports multiple languages and regional settings, making it a truly global solution.

How Ledger Works with MetaMask

MetaMask is one of the most popular software wallets for interacting with decentralized applications (dApps), NFTs, and DeFi platforms. However, using it alone means your keys are still stored on an internet-connected device. Integrating MetaMask with Ledger gives you the best of both worlds: MetaMask’s convenience and Ledger’s security.

The process is straightforward:

1- Connect your Ledger device to your computer and unlock it.

2- Open the Ledger Live app and make sure your firmware is updated.

3- Install the Ethereum app (or other relevant blockchain apps) on your Ledger.

4- Open MetaMask in your browser and choose  Connect Hardware Wallet.

5- Select Ledger, follow the prompts, and import your Ledger accounts into MetaMask.

Now, every transaction you initiate in MetaMask must be physically approved on your Ledger device, keeping your private keys safely offline. This means even if a hacker takes control of your browser session, they cannot sign a transaction without having your physical Ledger in hand.

Addressing Common Concerns

Some new users hesitate to invest in a hardware wallet, thinking it might be complicated or unnecessary. Let’s clear up a few myths:

I’m just a beginner; it’s too technical.  In reality, Ledger is designed for ease of use. The setup process is guided, and the Ledger Live interface is beginner-friendly. Even if you only hold a small amount of crypto, keeping it safe should be your first priority.

What if I lose my Ledger device? During setup, Ledger gives you a 24-word recovery phrase. This is your ultimate backup. As long as you keep it safe (offline and preferably in a fireproof location), you can restore your wallet on any Ledger device.

Aren’t software wallets enough? They might be fine for small amounts or frequent transactions, but for substantial holdings, the risk of online attacks is simply too high. Hardware wallets remove that risk almost entirely.

Ledger vs. Other Hardware Wallets

Where to Exchange Crypto for Cash: A Trader's Guide | BYDFi

In the world of digital assets, knowing how to enter the market is only half the equation. For any serious investor or trader, understanding how to securely "off-ramp"—or exchange your crypto coins for cash—is a critical skill. While the term "coins exchange" can bring to mind images of physical currency, for the modern investor, it means one thing: liquidating your digital portfolio into spendable fiat currency.

This isn't just a basic transaction; it's a core component of your trading strategy. This guide will walk you through the primary methods for cashing out your crypto, focusing on the most secure and efficient process available today.

The Gold Standard: Using a Centralized Exchange (CEX) like BYDFi

Celebrate Smart: Freebies for Your Birthday

Why Birthday Freebies Are a Game-Changer

Birthdays are a time to celebrate, but they can also strain your budget with parties, gifts, and treats. That’s where birthday rewards come in. Many restaurants, retailers, and brands offer free items or exclusive discounts to make your day special. From free desserts to beauty products and even clothing discounts,

these birthday deals are a fantastic way to save money while treating yourself. The catch? Most of these offers require you to sign up for loyalty programs or newsletters in advance.

Don’t worry—this guide will walk you through the best places to get free stuff for your birthday and how to maximize your savings. Whether you’re in New York, California, or anywhere in between, these birthday bonuses are available nationwide, and we’ve got the details to help you plan ahead.

How to Score the Best Birthday Freebies

To make the most of your birthday rewards, you need a strategy. Here’s how to ensure you’re ready to claim your free stuff on your birthday:

Sign Up Early: Most brands require you to join their loyalty program or email list at least a week (sometimes a month) before your birthday. Create a dedicated email address for birthday deals to avoid spam in your main inbox.

Check the Fine Print: Some offers require a minimum purchase, while others are completely free. Always read the terms to avoid surprises.

Plan Your Day: Many birthday discounts are valid for a week or even the entire month, so map out your freebie spree to hit multiple spots.

Bring ID: Some places may ask for proof it’s your birthday, so keep your driver’s license handy.

By following these steps, you’ll be ready to unlock a treasure trove of birthday bonuses that make your day extra special.

Top Restaurants Offering Free Birthday Treats

Food is a universal love language, and these restaurants are ready to shower you with free stuff for your birthday. Here’s a roundup of the best birthday deals for foodies across the U.S.

Free Desserts & Sweet Treats

Baskin Robbins: Join the Birthday Club for a free scoop of ice cream. No purchase required in-store

Cold Stone Creamery: Sign up for My Cold Stone Club Rewards and get a buy-one-get-one-free Creation coupon loaded to your account.

EIN Lookup: Find a Company's EIN or Your Own (Free)

Whether you're a business owner who's misplaced your own tax ID or an administrator needing to verify a vendor's information, the "EIN lookup" is a common and crucial task. A Federal Employer Identification Number (FEIN or EIN) is a unique nine-digit number assigned by the IRS to identify a business entity.

But finding one isn't always straightforward. The method you use depends entirely on one simple question: are you looking for your own EIN or someone else's? This guide provides a clear, step-by-step process for both scenarios.

Part 1: How to Find Another Company's EIN

When you need to perform a federal tax id number lookup on another company, your success depends on whether the company is public, private, or non-profit.

1. For Publicly Traded Companies (The Easy Way)If the company is publicly traded on the stock market, its EIN is considered public information.

• Method: Use the SEC's EDGAR (Electronic Data Gathering, Analysis, and Retrieval) system. Search for the company's name, and its EIN will be listed on its official filings (like a 10-K or 10-Q report). This is the most reliable EIN lookup free tool for public corporations.

2. For Non-Profit OrganizationsNon-profits are also required to make their information public to maintain their tax-exempt status.

• Method: Use the IRS Tax Exempt Organization Search tool. You can search by name and location to find details and filings. The organization's EIN will be on its Form 990, which is publicly available.

3. For Private Companies (The Hard Way)Finding the EIN for a private company is difficult, as it's not public record. You cannot simply look it up online.

• Method: The most professional way is to ask the company directly. Request a Form W-9, "Request for Taxpayer Identification Number and Certification," from their billing or accounts payable department. This form officially provides their EIN and is standard practice for vendor and contractor payments.

Part 2: How to Find Your Own Lost EIN

Misplacing your own company's EIN is incredibly common. Before you spend hours on the phone, follow these steps to check EIN number using documents you likely already have.

1. Check Your Business DocumentsYour EIN is printed on numerous documents. This is the fastest and easiest way to find it.

• Original EIN Confirmation Letter: The original SS-4 confirmation letter you received from the IRS when you first applied.
• Previous Tax Returns: Your EIN is on all federal tax returns you've filed for the business.
• Business Bank Account Statements: Most banks require an EIN to open a business account and may list it on your statements or in your online banking portal.
• Business Licenses and Permits: Check local, state, or federal license and permit applications.

2. Call the IRS (The Last Resort)

If you've exhausted the options above, you can call the IRS Business & Specialty Tax Line.

How: Call them at 1-800-829-4933, available from 7 a.m. to 7 p.m. local time, Monday through Friday.

Be Prepared: You must be an authorized person (e.g., a corporate officer, partner, or sole proprietor) to receive this information. They will ask you security questions to verify your identity before providing the number over the phone.

Don't Get Stuck on Paperwork

Whether you're verifying a vendor or trying to track down your own records, a FEIN lookup doesn't have to be a roadblock. By knowing whether to check public records, ask for a W-9, or simply review your own documents, you can find the number you need quickly and efficiently.

Bookmark this guide for the next time you need to find an EIN. It will save you time and point you in the right direction every time.

How to Choose the Perfect Business Loan: A Deep Dive into Your Financing Options

Starting or growing a business requires capital, and most entrepreneurs turn to business loans to fund their operations. But with so many types of business loans available, how do you choose the best one for your needs? In this article, we will explore the four main types of business loans, explain different types of small business loans, and guide you through the financing options available to small businesses.

Whether you run a startup or an established company, understanding your loan options will help you make informed decisions and secure the right funding.

What Are the Four Types of Business Loans?

Understanding the primary loan categories helps you quickly identify which suits your business needs. Here are the four common types of business loans:

1. Term Loans : A term loan is a lump sum borrowed and repaid over a fixed period, usually with a set interest rate. These loans can be short-term (less than a year), medium-term (1-3 years), or long-term (up to 10 years or more). Term loans are ideal for businesses that need significant capital for expansion, equipment purchases, or large projects.

Why choose term loans it may be for three reasons :  predictable monthly payments ,fixed or variable interest rates and suitable for larger investments

2. Business Lines of Credit

A business line of credit works like a credit card. Instead of borrowing a lump sum, you get access to a credit limit and can withdraw funds as needed. Interest is paid only on the amount you use, not the entire limit.

Flexibility to manage cash flow , interest charged only on funds used and Revolving credit that can be reused .

3. SBA Loans

The Small Business Administration (SBA) offers government-backed loans to help small businesses access funding with favorable terms. These loans often come with lower interest rates and longer repayment terms but require more paperwork and strict eligibility.

Popular SBA loan types:

• 7(a) Loan Program (general business purposes)
• CDC/504 Loan Program (fixed assets and real estate)
• Microloans (smaller loan amounts)

4. Equipment Financing

Equipment loans or leases provide funding specifically to purchase business equipment like machinery, vehicles, or technology. The equipment itself often serves as collateral, making it easier to qualify.

Why choose equipment financing  : Preserve working capital ,  pay off equipment over time and usually faster approval .

What Types of Financing Are Available to Small Businesses?

Aside from the four main business loan types, small businesses can explore additional financing options tailored to different needs:

- Invoice Financing

If your business invoices customers but waits weeks for payment, invoice financing advances you a percentage of outstanding invoices to improve cash flow.

- Merchant Cash Advances

This provides upfront cash in exchange for a portion of future credit card sales. It’s a quick option but often comes with higher costs.

- Personal Loans for Business

Some entrepreneurs use personal loans to fund business activities. While easier to qualify for, mixing personal and business finances has risks.

- Crowdfunding and Peer-to-Peer Lending

How to invest money for retirement? | Best retirement investment options for long-term growth

I’m in my early 30s, and I’ve been saving a bit of money each month, but I’m not sure how to invest for retirement. I hear a lot about retirement investing and different options like stocks, ETFs, and even crypto, but it’s overwhelming.

I want to know how to invest retirement money wisely — whether it’s through traditional accounts like 401(k)s or IRAs, or through newer options like Bitcoin and cryptocurrency.

I live in the UAE, so I also want to know which retirement investment options are accessible here. Any suggestions for the best retirement investments that can offer stable growth and are beginner-friendly?

Amex Point Value: Are They Really Worth It?

A while back, I signed up for an American Express card because everyone kept talking about the rewards and how "valuable" the points are. It sounded great—get points just for spending money I was already going to spend. But honestly, the first thing I asked myself was: “What’s the real value of Amex points? Are they actually worth it?”

I wasn’t some travel hacker or credit card expert—I was just trying to make smarter financial choices. With prices going up everywhere, it felt like a waste not to get something back. But figuring out how much American Express points are worth? That turned out to be more complicated than I thought.

So I put together this simple, honest guide to help people like me—real people who want to understand how Amex points work and how to get the most out of them. If you're wondering how much your Amex Membership Rewards points are worth—or if they're even worth bothering with—this article is for you.

How much are Amex points worth in dollars?

On average, American Express Membership Rewards (MR) points are worth 0.5 to 2 cents each, depending on how you redeem them.

• Gift cards or statement credit: around 0.6 cents per point
• Shopping with points (e.g., Amazon): about 0.7 cents
• Travel booked through Amex Travel: up to 1 cent
• Transferring to airline/hotel partners: potentially 2 cents or more (best value)

How to Get Approved for a Loan with No Credit Check – Even If Banks Said No

Are you tired of being turned down for loans because of a bad credit score? Or maybe you’re just looking for a quick way to get cash without the headache of a credit check?

If so, no credit check loans might be the solution you’ve been searching for , Whether you’re eyeing no credit check loans guaranteed approval direct lender options or curious about how no credit check car loans work, this guide will break it all down for you.

Let’s dive into everything you need to know about loans with no credit check, so you can make an informed decision and get the funds you need—fast!

A Real Look at No Credit Check Car Loans

Sami, a 30-year-old delivery driver, couldn’t afford to miss work , But his car died. When he tried to get an auto loan from a bank, his bad credit shut the door in his face.

Then he saw an ad: “No Credit Check Car Loans – Guaranteed Approval!”

Skeptical but desperate, he called. The dealer said: “We don’t care about your credit. Got a job and down payment? You drive away today.”

And just like that, Sami got back on the road – and back to work.

What Are No Credit Check Loans?

If you’ve ever wondered, “What are no credit check loans?” you’re not alone. These are loans designed for people who need quick access to cash but may have poor or no credit history ,  Unlike traditional loans, where lenders scrutinize your credit score, no credit check loans skip this step entirely , Instead, lenders focus on other factors, like your income or employment status, to determine your eligibility.

This makes loans no credit check a lifesaver for those who’ve faced financial setbacks, such as missed payments, bankruptcies, or maxed-out credit cards.

Whether you need money for an emergency, a car repair, or even a new vehicle, no credit check loans guaranteed approval options can provide fast relief without the stress of a credit inquiry.

How Do No Credit Check Loans Work?

The process for no credit check loans is straightforward, which is why they’re so popular. Here’s a quick rundown:

1. Application: You apply online or through a direct lender, providing basic details like your income, employment, and bank account information.
2. No Credit Check: The lender evaluates your ability to repay based on your income, not your credit score.
3. Approval: With no credit check loans guaranteed approval direct lender options, approval can happen in minutes, and funds are often deposited within 24 hours.
4. Repayment: You repay the loan in installments or as a lump sum, depending on the loan terms.
5. Because these loans are designed for speed and accessibility, they’re perfect for urgent situations. However, it’s crucial to read the fine print—some lenders may charge higher interest rates to offset the risk of lending without a credit check.

Why Choose No Credit Check Loans?

There are plenty of reasons why loans with no credit check are gaining popularity. Here are the top benefits:

• Fast Approval: Need cash now? Many lenders offer no credit check loans guaranteed approval within hours.
• No Credit Hassles: Bad credit? No credit? No problem! Your credit score won’t hold you back.
• Flexible Options: From personal loans to car loans, there’s a no credit check loan for almost any need.
• Direct Lenders: Working with a direct lender means no middleman, often leading to faster approvals and better terms.

No Credit Check Loans vs Traditional Loans

Pros and Cons of No Credit Check Loans

Pros:

• Quick access to funds, often within 24 hours.
• No credit check means higher approval rates, even for bad credit.
• Simple application process, often online.
• Ideal for emergencies or urgent purchases like a car.

Cons:

• Higher interest rates compared to traditional loans.
• Shorter repayment terms, which can strain your budget.
• Some lenders may charge hidden fees, so always read the terms carefully.
• To make the most of no credit check loans, compare offers from reputable direct lenders and only borrow what you can afford to repay.

Ready to Get Started?

Don’t let bad credit stop you from getting the funds you need. Whether you’re exploring no credit check car loans, personal loans, or other loans no credit check options, there’s a solution out there for you. Start by researching reputable direct lenders who offer no credit check loans guaranteed approval and compare their terms to find the best fit.

Ready to take the next step? Click here to explore trusted lenders and apply for your no credit check loan today. Get the cash you need, fast—no credit hassles required!

Final Thoughts:

No credit check loans can be a real lifesaver when life hits hard — whether it’s a broken-down car, a medical emergency, or rent that’s due yesterday. They offer fast access to cash, minimal paperwork, and high approval rates, even for those with bad or no credit.

But let’s be honest — they’re not without risk.

Before you jump in, take a moment and ask yourself:

Can I truly afford to repay this loan on time?

If you miss payments, you could face late fees, penalties, or even lose your collateral (in the case of title or pawn loans). Make sure your income can comfortably cover the monthly installment.

Is this really my best option?

Have you explored other alternatives, like borrowing from friends or family, using a credit union, or accessing a cash advance app with lower fees?

Have I read the loan terms carefully?

Don’t skip the fine print. Understand it, the repayment timeline, any upfront fees, and what happens if you miss a payment. Some lenders may hide fees or charge triple-digit interest.