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Hello TGF team, It's time for a new contest here in TGF. This time I want to see all the folks good with referral marketing that can help you bring new people on TGF. Prizes: $100 for the 1st prize, $50 for the 2nd prize, $30 for the 3rd place, $10 for the 4th and 5th prizes. The 4th and 5th places will be extracted through a raffle from the people that didnt won the first three places. Duration: 09 May 2022 - 09 August 2022 (3 months) Rules: The person that reffers the most members to Top Gold Forum till 09 August 2022 will win. For a refferal to qualify and be counted as valid they should make at least one valid post (not spam) in the community. To register in the competition you should: 1) post in this thread, 2) grab your unique referral link (step by step guide here) and 3) start promoting. You can promote your link using paid to click sites, blogs, magazines, social media sites, telegram, etc. You can use our banners listed here. Everything is accepted as long as it's not SPAM, paying members to register or putting our brand in jeopardy. If we receive SPAM complaints we will have to disqualify you so please play by the rules. Weekly I will post the top here so we will know how we stand. Support and Questions: Do you have questions or you need help to get your referral link or help to promote TGF? Let us know in the forum here or send me a personal message and I will gladly help. This is my refferal link: https://topgoldforum.com/index.php?app=rsystem&reff=1 and thats how yours should look like but will not have 1 at the end but your unique user id. Good luck and let's bring some new members on TGF!!!

Hello, dear TGFers, Before anything else, I will tell you that's one of the most important posts you would read here on Top Gold Forum. Please do not ignore it. You will thank me in a couple of months. If you are a regular TGFers you know that since 2020 we are preparing ourselves, as a community, to face the global financial crisis which is already here. I've managed to do well in the '08 crisis and also learned a lot of things that helped me see the upcoming crisis and prepare accordingly. So without further ado, I'm going to list 10 things I suggest you doing it to stay safe and why not, make a profit, in these troubling times. 1. Make sure you and your loved ones are healthy and safe. That's the most important piece of advice I can offer you and you should not take it lightly. It's important to make sure that you and your family, your close friends and your loved ones take care of their health and safety. 2. Take care of your expenses and reduce the non-essentials. If you haven't done it already you should have a close look at your monthly expenses and cut the things that are no longer essential. I did this in 2020 right in the middle of the pandemic and I was shocked to see how much money I was spending on things that I could easily cut or reduce. Just to give you some examples: Subscriptions to online tools and services I barely used. Also, I could downgrade my mobile phone payment by around 60% by switching to a smaller plan and the TV subscription with around 30%. So take a look sharply at your monthly bills and start ASAP reducing or cutting what is not essential. 3. Lower your debt or try to remain debt-free. This is important. As the interest rates are rising a lot you'll pay much more for your loans. Also, the banks and lending companies will become ruthless in getting their money back. That's why you need to lower your debt as much as possible and make sure you are paying the loans on time. If you are or you can easily become debt-free would be awesome. 4. Make sure you're not easily replaceable. This applies to you even if you're employed or a freelancer. During a financial crisis, many companies reduce their working force and the first ones that get laid off are persons that are not essential to the business. So ensure that you bring value to your employer or to the businesses you are working with. Become better, learn new things, and automate as much as possible of your work to have competitive rates. 5. Have 6-8 months of expenses covered. Just in case you get laid off or you simply do not get any more work as a freelancer you should have AT LEAST 6-8 months of expenses for your family covered. I recommend even having 12 months of expenses covered. I know this sounds too much but remember that we don't know how tough the crisis will be. Keep some of your savings in hard cash just in case the banks are going to limit the withdrawals. It's not SCI-FI, it happened before in the 08 crisis in Greece and Cyprus. 6. If you plan to sell anything, do it now. If you plan to sell your house, your car, or some assets you own, I recommend doing it ASAP. That's because soon there wouldn't be so much money in the markets and the interest rates will go up so people will be reluctant to purchase things that are not essential or are overpriced now. 7. Educate yourself - Learn new skills In the 4th point of this list, I've told you to ensure you're not easily replaceable. What I want to emphasize here is that in a recession companies look for ways to cut their costs. And one thing to do is through automation. Besides automation, there are new industries that rise now like blockchain, web3, digital healthcare, electric cars, etc. So don't be afraid to reinvent yourself for the jobs and opportunities of the upcoming years. 8. Develop multiple income streams (side hustles, money-making opportunities, etc) Having multiple income streams ensures you that will still make money even if lose your primary job or income opportunity. In times of financial crisis relying on only one income stream is risky. You may lose your job, your stock investment may plunge in value, etc so make sure you have a couple of income streams that are in diverse industries. I recommend checking the money-making opportunities here in TGF and choosing one or two that fit your skills and your risk profile. 9. Keep your eyes wide open for opportunities A financial crisis it's not only about hard times but also about opportunities. Netflix, Airbnb, Uber, and a couple of highly successful companies of today were started in the 08 crisis. On top of that the stock, commodities, and other assets were at good discounts. As Buffet says "be fearful when others are greedy and be greedy when others are fearful". In a financial crisis, most people are fearful and sell their assets at great discounts. That's the time when you can get them at a fraction of their true value. 10. Pay attention to SCAMs The last piece of advice that I want to share with you is to pay attention to SCAMs. That's because in troubling economic times the criminality rises sharply and there are many that want to get rich by stealing others' hard-earned money. So research everything, and don't fall for promises that are too good to be true. 11. (Bonus) Have a plan It's mandatory to have a plan and stick to it if you want to be well in these troubling times. If you don't have one you will be easily distracted by the news or the events that rise. As long as you have your plan you can adjust it easily but make sure you do everything in your power to reach your goals. Conclusion And there you have it: 10 things + bonus that you should do to do well in the following financial crisis. To recap, this is what you should do to prepare yourself: Take care of yourself and the health and security of your loved ones; Cut or reduce your debt and your expenses that are not essential; Have money aside in case you get laid off and for investments and opportunities that arise; Learn new skills, and become better at what you do; Develop multiple income streams; Pay attention and do not fall for SCAMS; Have a plan! Even if you have not prepared yet, it's not really too late if you start taking action now. What about you? Are you prepared? What actions would you take to be safe in these troubling economic times? Let me know by posting in this forum and let's all learn and prepare

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what a amazing topic...really inspire with your post.

Hey These are some really nice tips. Also one thing i would like to add his please do not try to gamble with crypto, stocks and any other markets as during these times the market is very volatile and thus its best to stay way from all these markets and once the dust settles look to buy as the prices will be low and would be good time to buy.

@XtraProfit glad that you find the topic useful. Keep us updated with your preparation. Unfortunately I think there will be a couple of dificult years ahead.

Very good topic, I will try to follow the steps and prepare myself

@DailyMoneySaving I'm glad I could help 🙂

@MrDennis that's an awesome article with many actionable pieces of advice. Was a great read. thank you Regarding the measures that I took to prepare for the recession was to cut my bills and putting some money aside in case something bad happens.

Thank you @MrDennis

Hello @stock999 , It should but I better test first and get back to you with the results to make sure. Later Edit: Just tested: Unfortunately, only the link to the homepage works. Here is the short version that works: https://topgoldforum.com/?app=rsystem&reff=MEMBER_ID

Can i add the referral parameter '?app=rsystem&reff=<my_user_id>' to the end of any link(i.e the link of any page, or topic, or post) of the forum? Does it work in this way? Or, does it work with ..index.php page only, as in your example?

That's awesome @WebGoldMiner. I have great plans for TGF and I will share them in a separate message to the community but to give you some insights involving inviting more companies AND several ways for members to make money here on TGF 🙂

I will start inviting some friends 🤑

@EuChangeLTD, @XtraProfit, @DoubleCycleBiz folks if you need help with affiliate marketing tips just let me know. I'm here to help so we can succeed together.

Very well I have already got some referrals, some friends I hope to get more

I should think🧐

I want to participate in this contest.I will start promoting topgoldforum soon to my friends and online contacts.