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How to save money on a long-term period or an essay on black metal.
   This is the translation of my original article. The original is here:
https://bitcointalk.org/index.php?topic=4452770.0

I apologize for my English. This is not my native language and I have to use an automatic translator. But I think that you will understand my main thoughts.

Hello friends! Bitcoin is cool. I am an enthusiast of bitcoin and I hope for his growth. But periodically, all holders have to face problems. In this topic, I would like to share with you my idea (and experience) on how to keep the constant value of your money (and even multiply it by a percentage higher than inflation) over the long term. What do I mean by long-term? Period of time in the range from six months to several years and even up to tens of years. The latter is also possible (I think so), although, personally for me it is more of a theoretical interest.
Why is this relevant and how is it related to the cryptoworld? I think that you already guessed). It's wonderful to be a holder and a tractor) crypts on bull (and, especially, a long bull market), but from time to time come to us very different times. Yes, from time to time long bear markets come to us. As an exemplary example of such a market, you can cite the year 2014, when almost the whole year bitkoyn, and with it the rest of the crypt, basically fell.
   I foresee a similar scenario in the not-too-distant future; of course, after the cue ball is once again otzemunitsya (well, if it really happens).
   So, suppose that you are an investor with some margin of crypt. Let's say that you were able to correctly anticipate all the roller coaster growth and the beginning of the bearish crypt market. There are signs that this is serious and for a long time. You'll have to wait for turbulent times in fiat or its steeblechkan equivalents.
But!:
Will it be right to keep money in fiat on a long-term basis? (by default, we mean that the fall will be indefinitely - long, from six months to several years - the bitcoat cycles are stretched).
   Finite money for long-term storage has many drawbacks. Firstly, whatever they say, and Fiat - it's just pieces of paper and figures in the database (in the case of a non-cashier), not protected against rampant inflation (which, by the way, is very different from officially stated). Nobody and nothing can prevent the state from printing these pieces of paper and tsiferok as it deems necessary. A real example before our eyes is the depreciation of the ruble against the dollar in 2015 +/- 2 times and the subsequent price increase. In my opinion, only solid material assets (or bitkoyn can protect you from such devaluations, but it, as we agreed, in this case is in the hands of bears). Below I'll talk about this in more detail, and now a little about how I came to the conclusion about the effectiveness of saving funds in black metal. I came to this idea spontaneously - intuitively.
   In 2014, I thought about building a house with a garage, more precisely, first about the general extended foundation for them. For these purposes, I purchased a sufficient number of metal fittings. I bought with a decent amount of this excess, as I kept in mind another building object. After the construction of the foundation, the majority of the reinforcement remained, however, and the construction season was crumbling. For a while I forgot about my metal. He was lying on my plot in front of the future garage with a huge heap (tied up). I remembered about the valve only in 2015 after the devaluation of the ruble. And I was pleasantly surprised at the preservation of the value of my money))). I tried to test the remaining metal. After the announcement on Avito, several real sellers responded at once, which pleased me pleasantly. They were ready "right now" to buy up all of my armature.
Although the price I put even higher than the market ... it's by the way, eloquently speaks about the liquidity of black metal. This gave me serious food for thought and I ... changed my mind about selling, and used metal for construction on another of my real estate properties. But the very idea of keeping the value in black metal, as they say, has deeply sunk into my soul. I realized that in this capacity, black metal, perhaps, would plug the belt and gold and real estate and, even more so, cash (there were crypto accumulations at the time, but no one knew how long this "exhausting flat" would last) . Before the next crisis in the crypt (the current one I do not consider a crisis), I plan to decently recoup with black metal. Most likely in the form of reinforcement, it can be profile and round pipes, most running sizes)
   And now let's compare in order the black metal as a means of preserving value with cash, gold, real estate and, for example, antiques).
   1.) Black metal and cash
1. "Internal Value" (hereinafter referred to as the consumer value). Cash has no intrinsic value; they are unable to perform functions other than exchange (for other money, assets or goods). That is, theoretically they can depreciate completely (a fantastic scenario, but nevertheless). Black metal can always be used for its intended purpose in construction.
2. Stability of value on the long-term. In the long term, Fiat is gradually depreciating, black metal is not. It, of course, can rust, but we mean responsible dry storage indoors. The joke is that my armature was lying open for several years. It is a bit rusted, but no one pays any attention to it, the cost is preserved).

3. Compactness
Black metal is not as compact as various forms of fiat money, but it is not necessarily seen as a drawback. But it's not so easy to steal it). Compare that it's easier to steal: a bundle of banknotes (crack non-cash money) or a ton of black metal))).

2.) Black metal and gold.
Gold has many of its forms, each of which is not very convenient for long-term storage:
Gold bars (hemorrhoids with banks, registration, difficulties in selling back, state monopoly and seller bank, unfair prices for you.) If you store gold in a bank, you pay decently for storing your gold, as a result your savings melt)
- Investment coins. Again, you will trade with the bank in a way that is not profitable for you, because you are in unequal relations with it.
- Jewelry. The problem with the sale. There is no uniformity, each product is unique. A substantial part of the price contains the work of a jeweler, which your buyer can evaluate.
- Various forms of non-material gold ("paper gold", assets tied to gold, various derivatives on / from it) Intangibles here are the main minus.
Gold loses to black metal in practical use. In the regulation and limitations of its turnover. In too great a variety of forms and the absence of rigid unification (which could have a positive effect on liquidity)

3.) Black metal and real estate
Real estate loses to black metal:
1. The need to register transactions in a specially created for this purpose state institution
2. Real estate objects are too diverse and not uniform, which can make their sale more difficult. Each property is unique in its own way.
3. Black metal has a "volume flexibility". You can buy a little more or a little less in a fairly large range. The real estate object needs to either buy in its entirety or not buy at all ("take what is given")
4. Black metal is mobile)
5. Buying a property you "buy" and neighbors and infrastructure that may wish for the best and with what (and with whom) you have to put up. With black metal, this is not necessary.

4.) Black metal and antiques
Antiques can be uncomfortable for a novice investor. In it it is necessary to understand. It takes years to develop competence. This is a separate occupation. Again, internal heterogeneity and a huge variety of antiques can affect liquidity. In regions and small towns this direction may be undeveloped (and most likely not developed). The practical importance of black metal is much higher than that of antiques. I think that in a crisis this is manifested more strongly.
So, I briefly outlined the prospects for investing in ferrous metal. We can say that this is one of the ideal instruments that hedge the risks of crypto currency. But does black metal have drawbacks? Unfortunately - yes, more precisely, I would say, features. More precisely, I see only one feature - a disadvantage. For a resident of a city, especially a large one, owning an asset such as ferrous metal may not be very convenient). All the same, you need a garage, or some kind of storage space on the property rights or opportunities for free access. Friends, that's all. Write how you wait for the bearish long-term markets)

It is not easy to save money. Trust me, its not easy, especially when youre working on a job that pays you monthly and it happens that youre being owed some of the times just like they will do at our work place, they will just owe you to the extent they will ruin your plans of saving money. Sometimes they will owe workers up to three months before paying and by the time you solve your daily problems, trust me there will be nothing left to save. ☹️

Really its so difficult to save money , I worked in a privet company they pay me monthly basis . They act like they are resist me to find the new job and not pay in regular basis . So it is so difficult to serve with this salary and i don't have left anything to save . But we have great chance of here in crypto i think.If i able to earn much it will help us so to save a few gradually.

Many ways to save money, but lately i discovered to invest with bitcoin. That is the best way to save money, because your money gain big profitss someday.

i think bitcoin did not best investment for us.although it could give huge profit in short time, but we also could suffering our money.it has bigger risk if compare to another investment.