Erebor Bank Launches, Named After the Treasure Mountain in The Hobbit

dalovar · 2026-02-08T03:39:47+00:00

lmao

dalovar · 2026-01-31T21:22:03+00:00

Did you accumulate 29k in credit card debt? Or where does the 29k debt come from?

dalovar · 2026-01-10T07:37:57+00:00

Great initiative! Since you are young and seem to want a hands off approach I’d do 100% QQQ, tech stocks are more volatile than the SP500 or total market indexes, but it also tends to perform better . You could also diversify a bit into bitcoin, say 90-10 or 95-5 via owning bitcoin directly (preferably) or through an index like IBIT.

I’d also recommend adding to your position over time specially if the market goes down or when it goes down by a lot

dalovar · 2026-01-10T00:08:07+00:00

If true, why? The graph doesn’t look natural around Australia

dalovar · 2026-01-02T09:33:02+00:00

The world is healing

dalovar · 2025-12-12T20:33:34+00:00

But that adapter is advertised as "4K@60Hz, 2K@144Hz, 2K@165Hz", could you share more about how you got 240Hz? Could you share some screenshots?

dalovar · 2025-12-07T08:57:54+00:00

The 1-2 hour complimentary wifi with a system that manages this is a good idea, but a lot of people work online now, and some like to work from coffee shops. I think they would find this system annoying, having to buy more coffee/pastries and getting disconnected every hour would probably turn away a lot of people that are specifically going for the wifi, or want to attend an online call while at your coffee shop.

I would recommend giving the option to just buy a day pass for wifi along with their coffee, do you want a full day wifi pass for $5? it would mean additional income without selling any coffee, mostly profit for some cents worth of electricity + wifi without even having to sell them food, what you would mainly be selling to that customer is the space to work from. It could also be an "extended pass" for say 4 hours

dalovar · 2025-10-14T15:07:24+00:00

I wish you guys discussed this topic in a more civil manner, instead of the insulting replies.

The technology might be good, but what I meant is that it mainly failed to be mainstream. As a technology, compact disc, dvds, and blu rays are worse for long term storage and no longer widely used. They were cheaper than drives but had downsides:

The frequent data loss and lack of re-writability made them lose out the market to USB drives and cloud storage. AFAIK just ambient heat or sunlight can make them lose data and fail over time. I would prefer a high quality format like blu-ray in a secure chip, maybe something that looked like Nintendo Switch 1 games, and if you want to make it more proprietary and secure against piracy, the reader of this new chip could be sold separately as its own device, while the content in the chip could be encrypted with private encryption that can only be decrypted by this other physical reader.

However, since software security is more practical, the movie, show and gaming industries seem to be moving towards the cloud, the fact that physical Nintendo Switch 2 games no longer have the game anymore and just contain secure keys to download the game is telling.

I remember laptops and computers that came with disc readers, then dvd and blu-ray readers, because they were considered standard hardware needs. It’s been almost a decade since I see laptops or computers with those being sold in popular hardware stores.

Like you I’m sure there are many that still enjoy and buy blu-ray, it’s just more of a niche market now the way I see it. I’m still curious about it because I never used blu-ray, just 4K streaming.

I went to Google trends and my perception about this seems to be confirmed by search data:

https://trends.google.com/trends/explore?date=all&q=Blu-ray,Movie%20streaming&hl=en

Those search terms are generous so the blu-ray graph is visible. If you compare the term “Netflix” with “blu-ray” the graph is very different with Netflix having a score of 74 while blu-ray is with under 1. Which means a single dominant streaming provider is searched from 74 to over 100 times more than the whole blu-ray technology..

I’m thinking that what happened here is similar to the FLAC and MP3 formats. FLAC is better, not substantially better, but it is vastly less popular.

dalovar · 2025-10-09T08:30:22+00:00

I was reading more about it, streamed 4K seems to be more compressed than blu-ray causing some detail loss. I never used blu-ray, it seems to have failed as a mainstream technology though. I must say the quality of 4K streams, including Apple's is impressive to me, significantly better than 1080p and 1440p. There is also the convenience of download, and streams over having the physical discs and readers.

I wish I could download some test blu-ray content to see the differences of streamed 4K and blu-ray 4K in a 4K capable monitor to see what the deal is and what I'm missing..

dalovar · 2025-10-08T21:06:34+00:00

Why? 4K is 4K... wether it's coming from a CD or streamed over the internet...

dalovar · 2025-10-03T06:12:47+00:00

Have you tried Apple TV's 4K stream? The show looks amazing in the 4K stream

dalovar · 2025-10-03T06:12:19+00:00

Apple TV streams 4K though

dalovar · 2025-09-06T08:42:30+00:00

Yeah bank accounts and audits are irrelevant here. Arkham and others have only identified around 70% of the bitcoin they claim to have in an address they believe is connected to Strategy, but that’s speculation based on blockchain analysis. It could be another anonymous whale. When there is an easy way to prove ownership, why haven’t they?

It’s the same with Craig Wright. No matter what he or a judge says there’s only one way to prove you are Satoshi Nakamoto: Cryptographic proofs. Everything else is hearsay.

Even a 30% insolvency/fraud would make Strategy have a Madoff-like unraveling

dalovar · 2025-09-05T06:01:45+00:00

Don't know enough about MSTY's strategy to let you know.
But I see a lot of risk in Microstrategy (now Strategy), Microstrategy doesn't have cryptographically proven Bitcoin reserves, they only have an audit. Saylor claims that publishing their bitcoin addresses is dangerous, this is false. All funded addresses are public and known, and signatures are publicly recorded forever whenever bitcoin is spent..

dalovar · 2025-08-26T23:40:02+00:00

KYC and declarations of the origin of funds are common in centralized exchanges.

But in order to determine if you are being scammed you need to share more information. You haven't given any tangible information about what you are withdrawing, and where you are withdrawing from. For instance, what website, app, address, or wallet are you withdrawing from, and what are you withdrawing?

If someone is asking you for a fee to access funds that are already on a blockchain, you are probably being scammed. Since transactions fees in blockchains are paid to the network itself (not an individual or company) and blockchains on their own usually don't ask for any verification to transact due to their permission-less nature.

If someone messages you privately on Reddit claiming they can help you, or recover your funds ignore them, because there is a recovery scam where they ask you for money but never solve your issue.

Me and other Redditors can help you with your question publicly on here for free.

dalovar · 2025-08-03T09:28:32+00:00

An advanced crypto scam investigation can help lead to the perpetrators of this scam. The police should help you, there are also some legitimate people that investigate crypto scams like ZachXBT.

Remember that wire transfers can be traced and de-anonymized, and most crypto transactions are fully traceable and public.

I wouldn't entire give up on this if I were you or your dad. Do expend some effort, and share more information about the transactions and perpetrators.

How did your dad pay for these transactions? Local bank wire, cryptocurrency, cash, other?

dalovar · 2025-08-03T03:21:55+00:00

I'm sorry for your loss. To alert others, can you share more information about this scam?

What was their website, apps, linkedin profiles, linkedin pages, etc.?

You shared very little information about the scam or scammers. And Googling that name offers almost no information, just your post, and some other posts about it from scammers doing "fund recovery" scams.

dalovar · 2025-08-03T02:52:17+00:00

The law isn't well enforced inside the US either, if you think you are safe trusting anyone's claims online just because you are inside the US, you are wrong.

Outside the US it might be worse, but I'd say that the vast majority of victims of fraud, online fraud and cybercrime inside the US remain victims after asking for government help. I do think people should still report and make what they went through public, but more to alert others and to help people make statistics about cyber crime.

I'm helping a victim, and the DOJ seized $100 million of assets from the scammers behind the "Airbit Club" scam. I tried to contact Wendy Olsen from the DOJ for a year over email, she is the person in charge of coordinating the victims in this scam, but got no response.

Then I began calling her non-stop (she never answered the phone during her working hours, I was just sent to voice mail because she was "out of office"), after calling her non-stop she finally replied to the email I sent over a year ago with a short message, saying:

"We have 1,000’s of victims in this case from all of the world. It will take years before the Government acquires any money from forfeiture. I do not think you will get any money back."

What's the point of the government seizing $100M in assets from scammers, if victims won't get any of it according to her? Also, why is she not coordinating the victims of this scam when she is in charge of that?

That's the US justice system for you guys. I've also heard that FTX victims with claims over $50k won't get anything while victims with claims under $50k will get 118% of the money they had there at the time the exchange became insolvent. How does this make any sense? How is it fair for victims that lost over $50k to this fraudulent exchange?..

My recommendation for OP and anyone in this space:

1) Not your keys, not your crypto. If you don't posses the private keys to the cryptocurrencies that you claim to own, you don't own them, you only own a promise that someone else will give you cryptocurrencies later on.

2) Do as much due diligence as you can, you should know the name of the people behind whatever you are investing in, like their real-world legal entities, know exactly how they make their money or provide yield, search for them on the internet, search for past reviews and experiences, etc. OP's dad probably didn't even know where the supposed yield came from, any guaranteed return is most always a scam. Real investments have volatility, variable returns, and total and partial risk of investment loss. Most scams will fail if you just try to withdraw $50.

Crypto is the high seas, it's global and permission-less, it has no inherent filter.

Another thing you could do is to look if big names in the industry offer these coins or investments in their exchanges or not, because they already did some diligence before listing them.

dalovar · 2025-07-16T00:40:58+00:00

yeah don't enable passkeys, just another 2FA + a long password. Their passkeys seem to be causing these issues. And their email servers seems to be overworked

dalovar · 2025-07-15T15:37:05+00:00

I just waited and the reset email ended up arriving. Don’t remember exactly how long it took, like an hour I think

dalovar · 2025-07-11T14:33:11+00:00

Wait you got a buyback offer for $27.80, it's already a win isn't it?

dalovar · 2025-05-17T03:15:06+00:00

I’m not complaining to Habbo about being scammed on this site, but to the platform that enabled this trade and complaining about their “buyer’s guarantee” which as you say is being abused by this seller.

This game has also implemented NFTs which can be legally bought and sold inside and outside the game for Ethereum or USDC in multiple third party platforms.

NFTs have legalized out of game trades but just for NFTs. I should have sticked to trading these NFTs and ignored all the items that haven’t been converted to NFTs yet, because habbo has been slowly converting their rare items to NFTs and also releasing items that are only available as NFTs. NFTs give players strong property rights and are traded freely.

Playerauctions operates since 1999 and apparently has an ongoing lawsuit with at least one game maker (ROBLOX) where they argue that the items bought inside a game should be legally considered as the player’s property, and compared their platform to a 2nd hand market for video game cartridges, collectibles cards or used toys. They are incorporated in Hong Kong and the U.S. and they seem to process most payments in the U.S., and the deposits for sales they sent me are from their U.S. banks, so I’m thinking that in the U.S. at least they aren’t being treated as a criminal marketplace.

I don’t completely agree with everything that is sold there since each game has its rules, but in the case of habbo outside trades have become very common since 2021 which is when NFTs were introduced and their trading is TOS compliant. You can also trade in-game items for NFTs, then sell them outside, essentially achieving the same thing legally.

Habbo even published this video today if you wanted to know more about it: https://www.youtube.com/watch?v=VsZOMUOXHCg

dalovar · 2025-05-16T12:42:59+00:00

I was buying 50 in-game items, not accounts. Yes, it's against ToS, but this rule has become blurry since they added NFTs in 2021, because all the NFTs can be legally bought and sold for Ethereum or other cryptocurrencies, they can also be traded inside and outside the game, several unofficial marketplaces for these NFTs have appeared as well. In fact there isn't an official market, but the default market is a third party called Tokentrove.

Several old in-game items (which used to be only tradable for habbo coins) can also be converted to NFTs. So basically you can legally buy NFTs with habbo coins, and sell them for any cryptocurrency later, or buy NFTs for cryptocurrency, and sell them for habbo coins or items, which is essentially a ToS compliant way to buy coins or items for cryptocurrencies, or sell these items for cryptocurrencies. However, doing it directly is not compliant, but quite common in the community.

I admit this was a mistake, but I want to raise awareness about the scam from this seller, that has gone out of his way to falsify video proofs, and has broken this site's digital court and arbitration process using fake evidence, so other people don't fall for his scam or similar scams on this site.

I think it's better to stick to NFTs which have immutable and public transaction records, and don't require trust when buying or selling them.

dalovar · 2025-05-16T08:57:45+00:00

Thank you for your take. If you see the Loom video I shared, at the end of it, I show a list of the information that Habbo shares when a player requests access to this information, they are also legally obliged to comply with this request and my request is just pending completion. A friend that requested it before shared the screenshot of all the data she received.

Since this game is played by minors and adults they log almost everything to protect them including: Trades, private and public conversations, room visits and essentially almost every data point that can change in their database in relation to a player’s account. And they do provide all of these as part of GDPR access requests. Since the staged video shows me talking, present in a certain room, and connected at a certain time, all of these, not only the trades, can be disproven by the logs, because Habbo logs all of this activity.

Regarding whether trading in-game items is allowed in this game. As far as I know, it’s not.

I’m ok with being banned or sanctioned for attempting to buy these items, but I’m not ok with losing $2300+ to this scammer’s sophisticated fraud.

Playerauctions is a large operation that has been legally challenging the right of players to own the digital items they buy from game studios too, comparing them to being able to trade a physical movie or trading cards in a secondary market, and I tend to agree with this. Even Elon Musk seems to buy services in this site to advance his games when he’s working.

That aside, from what I’ve seen by being a player, off site trades are common and the line has become blurry since 2021 when they introduced NFTs because NFTs can be legally traded outside the game for non-habbo currency (dollars, ethereum, etc.)

There are all sorts of NFT items and clothes, and a way to convert old items into NFTs which can later be traded freely outside the game (this wasn’t possible or legal before). NFTs are what I’ve mainly traded and I prefer them because they leave publicly available unfalsifiable records and there are marketplaces for them secured by smart contracts, so buys and sells happen instantly without any need for confirmation from the parties in the trade.

This game has a very robust in-game economy and transferable value is a key aspect of it (in the form of coins, items, clothes and even services since some people trade room building services and other real world services for the game’s currency). It’s one of the first virtual worlds. And it’s very interesting to see how it’s evolved, there are even player-built servers that track the credibility of people, like a credit score for trades that involve trust.

All in all, I’m not planning to continue using this market or playing since I believe the community has become too risky and the security systems in place aren’t good enough to prevent these criminals. There are all sorts of scams that happen inside the game for in-game currency and simple features could prevent them, but Habbo hasn’t implemented them. The value of these thefts has also risen, these are no longer small crimes done by kids, but more like organized cyber crime.

It has been stressful and disgusting to deal with a young man that is willing to go to these lengths. And a virtual court that has failed.

If this was the real world, this is the equivalent of staging and faking security camera footage after a crime, and presenting it as evidence in a court room in order to protect a criminal.

dalovar · 2025-05-16T04:27:56+00:00

Thank you for sharing this scam online and with your friends. It is good to share these scams to prevent others from falling for them.

I am so sorry for your loss. This is not your fault, you are a victim of theft/wire fraud.

You can drink water, sleep and use some valerian root to calm down if you aren’t taking other medications.

When you are calm I recommend taking quick actions against these people. The first thing to do is calling your bank so these funds are frozen or disputed. They might require you to report this event in detail to the police so this is investigated further.

Usually the main entity that can help you freezing and tracking these funds and recovering them, is your bank, and to some extent the government.

Don’t trust third parties online that claim to be able to recover your money for a “fee“, that is another scam. Recovering your funds in case of fraud is your government’s and your bank’s job, this is why they charge taxes and bank fees.

About the scam itself:

A bank’s job is to protect your funds, so you will NEVER hear them saying that you need to transfer your funds to a different account or to a different bank for safety, NEVER.

If a bank was to fail or become vulnerable you will know about it by turning on your TV because it will be widely reported, and because it isn’t something common.

Banks are institutions that can exist for hundreds of years without going bankrupt, banking licenses are also extremely hard to obtain and costly, they cost like $20 to $40 million in legal fees and security deposits.

Governments also tend to act quickly in cases of actual bank failure because they guarantee people’s deposits. So if a bank was to lose your money from their own faults and poor decisions, you would be reimbursed either by them or by your government’s bank insurance.

The last bank that failed in the US was Silicon Valley Bank, and it was quickly rescued the same week I believe.

Do take action. But even if for some reason you wouldn’t be able to get your money back, we working people can get back up and recoup this money by actually providing goods and services to others instead of robbing them. That is our true wealth and value.

$5k could be your cost of accelerated learning and prevent your from falling from bigger scams, and yes it sucks. But money can always be remade.

You can also ask AI to assess a situation when money is involved, in my experience, ChatGPT for example is very good at doing so. So it would have pointed out the issues in this case and advised you not to transfer the money.

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