Category Archives: general

Bitcoin Erases Year’s Gain as Crypto Bear Market Deepens

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Just a little more than a month after reaching an all-time high, Bitcoin has erased the more than 30% gain it registered since the start of the year. This decline comes as enthusiasm over the pro-crypto stance of the Trump administration fades, coupled with a recent cooling of high-flying technology stocks that has dampened overall risk appetite.

The dominant cryptocurrency fell below $93,714 on Sunday, pushing its price beneath the closing level seen at the end of last year. That period marked a rally in financial markets following President Donald Trump’s election victory.

Bitcoin had soared to a record $126,251 on October 6. However, it began tumbling just four days later after unexpected comments on tariffs by President Trump sent markets worldwide into a tailspin.
https://www.bloomberg.com/news/articles/2025-11-16/bitcoin-erases-this-year-s-gain-as-crypto-bear-market-deepens

Peter Schiff Warns of MicroStrategy Bitcoin Model Risks, Challenges Saylor to UAE Debate

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**Schiff’s Criticism: MicroStrategy’s Bitcoin Bet Under Fire**

Gold advocate Peter Schiff has raised serious concerns about MicroStrategy’s aggressive Bitcoin strategy, calling it unsustainable and predicting a potential halt in debt issuance and a sharp drop in the company’s stock. This criticism comes as Bitcoin (BTC) has dropped over 20% from its $125,000 peak, reflecting broader challenges for the crypto market. In contrast, gold has demonstrated notable strength, holding above $4,000 per ounce and achieving a $30 trillion market capitalization high in October, according to TradingView data.

Recently, Peter Schiff accused MicroStrategy of being a “Bitcoin fraud” and publicly challenged CEO Michael Saylor to a debate in the UAE. In this article, we explore the ongoing rivalry between BTC and gold amid rising treasury risks.

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## What is Peter Schiff’s Challenge to Michael Saylor Regarding MicroStrategy?

Peter Schiff’s challenge stems from his ongoing criticism of both Bitcoin and MicroStrategy’s strategy of aggressively accumulating BTC. On Sunday, Schiff charged MicroStrategy with operating a fraudulent business model, claiming it relies on issuing high-yield preferred shares to income-oriented funds—shares he asserts will never deliver the promised returns.

Schiff invited Michael Saylor to debate these issues at Binance Blockchain Week in Dubai, scheduled for December. In a detailed social media post, Schiff explained that once fund managers realize the yields are unsustainable, a mass sell-off could occur. According to Schiff, this would prevent MicroStrategy from raising additional debt, potentially sparking a downward spiral for the company’s stock and its Bitcoin holdings.

Furthermore, Schiff has challenged Binance co-founder Changpeng Zhao to debate tokenized gold assets, highlighting his steadfast preference for traditional safe-haven investments over cryptocurrencies.

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## Why Does Peter Schiff View MicroStrategy’s Business Model as a Fraud?

Peter Schiff bases his fraud accusations on MicroStrategy’s continued dependence on debt and equity issuances to fund its Bitcoin purchases, resulting in the world’s largest corporate BTC treasury. According to Schiff, the “high-yield” preferred shares entice investors with the promise of steady income, but these payouts are ultimately dependent on ongoing capital inflows—not actual profitability.

He warns that if investors become disillusioned, it could trigger a wave of selling, crippling MicroStrategy’s ability to sustain its strategy. Supporting this skepticism, MicroStrategy’s multiple on net asset value (mNAV)—a key metric comparing its stock price to its underlying Bitcoin holdings—dipped below 1.0 in November before recovering to 1.21, as noted by the company. Typically, analysts view an mNAV of 2 or higher as healthy for treasury operations.

MicroStrategy’s stock price has fallen over 50% since July, now trading around $199, highlighting the vulnerabilities that Schiff points out. Financial analysts echo these concerns, noting that MicroStrategy’s fortunes are tightly linked to Bitcoin’s volatility, increasing risks in bearish markets.

All of this unfolds as the broader crypto sector faces significant headwinds. Bitcoin has retreated more than 20% from its October all-time high above $125,000, including a flash crash on October 10 that erased tens of billions in market value. By contrast, gold has maintained its $4,000 per ounce support—trading recently at approximately $4,085—after peaking at $4,380 in October and briefly pushing its total market capitalization above $30 trillion.

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## Frequently Asked Questions

### What Impact Could Peter Schiff’s Predicted ‘Death Spiral’ Have on MicroStrategy’s Bitcoin Holdings?

If Peter Schiff’s “death spiral” scenario comes to pass, MicroStrategy’s vast Bitcoin treasury (worth billions) could come under immense pressure. A halt in debt issuance would restrict new BTC acquisitions and might even force the company to liquidate some holdings during price lows to meet obligations. This could further depress MicroStrategy’s stock and shake investor confidence in corporate crypto strategies.

### How Are Current Market Trends Favoring Gold Over Bitcoin in 2025?

As of late 2025, gold’s stability above $4,000 per ounce is providing investors with a much-needed hedge against economic uncertainty. In contrast, Bitcoin’s volatility—currently trading below $99,000—reflects wider sector corrections. Many investors now favor the reliability of gold, which recently reached a $30 trillion market cap, as a safer alternative to BTC’s more volatile profile.

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## Key Takeaways

**Schiff’s Bold Challenge:** Peter Schiff’s debate invitation to Michael Saylor at Binance Blockchain Week highlights the deep divide between gold traditionalists and Bitcoin proponents.

**MicroStrategy’s Vulnerabilities:** With an mNAV at 1.21 and stock down 50% since July, MicroStrategy’s reliance on unproven yield strategies signals caution.

**Asset Class Contrast:** Gold’s price stability above $4,000 per ounce sharply contrasts with Bitcoin’s 20% drop from its highs, reflecting shifting investor preferences in unstable markets.

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**Conclusion**

Peter Schiff’s outspoken criticism and debate challenge underscore a pivotal moment in the ongoing battle between gold and Bitcoin as alternative stores of value. With MicroStrategy’s business model under scrutiny and market trends favoring safe-haven assets, the debate over crypto versus gold is as heated as ever. Investors and observers alike should watch these developments closely as we head further into 2025.
https://bitcoinethereumnews.com/bitcoin/peter-schiff-warns-of-microstrategy-bitcoin-model-risks-challenges-saylor-to-uae-debate/

Two LPGA friends announce their retirement at The Annika

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Two days after her own retirement, Elizabeth Szokol returned to her home course, Pelican Golf Club, to watch good friend Caroline Inglis say her own goodbye. The two friends, who were grouped together in the first two rounds, are the latest thirtysomethings to move on from the LPGA in what has become a common trend.

Szokol also had another friend, Cheyenne Knight, on a FaceTime call so she could see the finish on Sunday at The Annika driven by Gainbridge at Pelican.

“I think it’s a mix of emotions. It’s definitely bittersweet,” said Inglis. “Sad to go and be done after so long, so many years on LPGA Tour, but excited for the next step. It’s definitely the right decision for me.”

Inglis, 31, joined the LPGA in 2017 and earned $1.1 million over the course of a career that included three top 10 finishes. Back injuries have plagued her professional career and flared up again over the summer. When a job opportunity presented itself to work at the Oregon Golf Association, Inglis felt it was the right time to make a change.

Szokol, who lives locally in the Tampa Bay Area, planned to make dinner for all who came to celebrate the two friends.

“I’m so proud of (Elizabeth) and everything she’s accomplished,” said Inglis. “I told her, I hope you’re proud of yourself as well. And I feel the same way. We may not always accomplish all the things we wanted to, but we’re out here and at the end of the day we’re with the 150, 200 best women golfers in the world, so it’s pretty cool.”

Szokol, 30, joined the LPGA in 2019 and won the Dow Great Lakes Bay Invitational with Knight in 2023. She has nine career top 10s and $1.8 million in career earnings.

“It’s hard to believe it’s been nine years playing, which is pretty crazy,” said Szokol on Friday. “It was great to retire at home, a golf course I’m a member at and had so many family and friends out today. So it was pretty special.

“Would’ve liked one more putt to go in, but that’s all right. I can look back at a successful career.”
https://sports.yahoo.com/article/two-lpga-friends-announce-retirement-201123204.html

“Can’t wait for Dillon Gabriel hate watch today”: NFL fans react as Shedeur Sanders arrives for Ravens vs. Browns Week 11 game

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Shedeur Sanders arrived at Huntington Bank Field on Sunday ahead of Cleveland’s Week 11 showdown with Baltimore. The rookie quarterback is currently serving as the backup to fellow rookie Dillon Gabriel.

The sight of Sanders entering the building sparked reactions from fans on X. One fan wrote, “Can’t wait for the Dillon hate watch today!” Another added, “Today is the last day of this Dillon Gabriel experiment. Next week, my boy is gonna get to it!!!”

Some fans expressed frustration with the team’s quarterback situation. One commented, “Honestly I don’t want him to play for this team anymore. This team is trash & toxic, I’d rather him just traded and released.” Meanwhile, others sympathized with Sanders. “I feel bad for Shedeur, the Browns are never gonna let him start. I hope next season he goes to another team and balls out just like Baker (Mayfield),” one fan said.

The fanbase’s sentiments are indicative of larger questions surrounding Cleveland’s quarterback direction. Regardless of the starter, one fan bluntly stated, “Regardless of QB, Browns suck.” Yet another expressed optimism, tweeting, “Let’s get it then.”

### Coaching Staff Faces Rising Pressure on Quarterback Decision

Cleveland Browns coach Kevin Stefanski recently shifted offensive responsibilities to coordinator Tommy Rees, aiming to reset a scheme that has struggled with consistency. There is growing discussion across local media about whether the team should prioritize long-term development or attempt to spark immediate improvement by turning to Shedeur Sanders.

Mary Kay Cabot of Cleveland.com wrote on Sunday, “I do believe there will come a point when Sanders will start some games for the Browns this season, but I think they’d like to see fellow rookie Dillon Gabriel for a few more weeks now that offensive coordinator Tommy Rees has taken over play calling.”

### Baltimore’s Defensive Resurgence Adds Complexity

Baltimore’s defensive resurgence adds another layer to the quarterback debate. According to Ravens defensive coordinator Zach Orr, their preparation included work for both quarterbacks. Orr highlighted that Sanders could be used at any point during the game.

The former Colorado Buffaloes star continues to wait on the sideline while Dillon Gabriel holds the starting job. Coach Stefanski has praised Sanders’ preparation and work ethic but has not indicated any timeline for possible playing time.

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Stay tuned as the Browns’ quarterback situation continues to evolve in the coming weeks.

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*Check out the latest Baltimore Ravens schedule and dive into the current Ravens depth chart for the 2024-25 NFL season.*
https://www.sportskeeda.com/nfl/news-can-t-wait-dillon-gabriel-hate-watch-today-nfl-fans-react-shedeur-sanders-arrives-ravens-vs-browns-week-11-game

Dozens ride through Miami in annual Best Buddies Challenge

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MIAMI (AP) — Dozens of cyclists took to the streets of South Florida on Saturday for the Best Buddies Challenge, a charity ride aimed at supporting people with intellectual and developmental disabilities.

Riders launched from the Four Seasons Hotel Miami early Saturday morning, embarking on a route that wound through some of the region’s most historic and scenic areas. The annual event, limited to just 50 participants, offers a Tour de France-style experience complete with police escorts and course options stretching up to 100 miles.

Best Buddies founder Anthony Shriver helped kick off the ride from the front row. “We’re having a lot of fun, a lot of action, beautiful in South Florida today for the Best Buddies Challenge here in Miami,” Shriver said. “Raising hopefully five, six million dollars for Best Buddies programs all about inclusion, acceptance, finding jobs and friendship and leadership opportunities for people with intellectual disabilities.”

The nonprofit organization, with chapters worldwide, focuses on creating opportunities for individuals with intellectual and developmental disabilities through employment, leadership training, and community engagement.

This year’s challenge featured star power on the course, including Olympic cycling champion Bradley Wiggins, seven-time Grand Tour winner Alberto Contador, and world triathlon champion Leanda Cave.

After hours on the road, riders crossed the finish line to cheers, greeted by what many described as ideal weather conditions. “We had perfect weather; it wasn’t hot, wasn’t humid — such a positive attitude from all the riders,” said Shriver.

The bike challenge is one of several major fundraising events for Best Buddies. Shriver emphasized that South Florida continues to play a significant role in the organization’s mission. “Amazing support from this South Florida community,” he said. “So many people and companies step up year after year to invest in our program of inclusion and acceptance.”

The ride concluded with the 27th annual Best Buddies Gala, a star-studded evening featuring local business leaders, sports figures, and celebrity guests. Hip-hop artists Ja Rule and Ashanti closed out the night with a performance for attendees.

The Ansin Foundation is a proud sponsor of Best Buddies.
https://wsvn.com/news/local/dozens-ride-through-miami-in-annual-best-buddies-challenge/

These 25 Republicans could demolish a GOP scheme to save themselves

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Republicans are obsessed with taking your health care away. This spring, they cut $1 trillion from Medicaid, all to give massive tax handouts to billionaires. For the last month and a half, they shut down the government rather than prevent premiums from doubling on average for 24 million people in the Affordable Care Act marketplace. And they “won.”

The number of uninsured Americans is about to skyrocket, which is exactly what Republicans want. It is what they fight for every day: to steal your health care.

These cuts are devastating for seniors, who rely on Medicaid to pay for nursing homes and other long-term care—services typically not covered by Medicare. They are also disastrous for Americans aged 50 to 64, many of whom depend on the ACA marketplaces and will face the largest premium increases. Many will have no choice but to drop their health insurance and pray they don’t get too sick before they turn 65 and become eligible for Medicare, literally gambling with their lives.

Even if you’re not on Medicaid or the ACA, the Republican cuts will make your health care worse. Without the Medicaid dollars they need to survive, hospitals and nursing homes across the country are already closing their doors. Far more will close in the coming years, with rural areas and inner cities hit hardest.

The hospitals that remain open will have to cut staff due to lower revenue, even as their emergency rooms are flooded with newly uninsured patients who have nowhere else to go. That means if you get hit by a car, you’ll likely have to go to a hospital farther away and wait longer to see a doctor. All thanks to Republicans.

The only people in America whose health care isn’t about to get much worse are billionaires, who can hop into their private helicopters to see their private doctors.

Democrats are demanding that Republicans back off their draconian health care cuts. That’s what the just-concluded government shutdown was all about: Democrats refusing to vote for a budget that doesn’t fix the coming health care apocalypse.

Some Democrats thought Republicans would come to the negotiating table and figure out a health care fix, if only out of political self-interest. But Republicans are ideologically committed to destroying health care at the behest of their billionaire donors.

House Republican Leader Mike Johnson is refusing to bring an extension of the ACA subsidies—which would prevent premiums from skyrocketing—up for a vote. This refusal is why House Democratic Leader Hakeem Jeffries has put forward a discharge petition to obtain a three-year extension of the ACA subsidies.

If the petition gets 218 signers, it forces a floor vote which also needs 218 votes to pass. There are 214 Democrats in the House. That means we need only FOUR Republicans to cross the aisle, and we can get the subsidies to pass the House, putting pressure on the Senate.

It comes down to these 25 Republicans, who are in extremely tight races and whose constituents are getting hammered by spiking premiums and disastrous Medicaid cuts:

– Juan Ciscomani (AZ-06)
– Kevin Kiley (CA-03)
– David Valadao (CA-22)
– Darrell Issa (CA-48)
– Gabe Evans (CO-08)
– Cory Mills (FL-07)
– María Elvira Salazar (FL-27)
– Mariannette Miller-Meeks (IA-01)
– Zach Nunn (IA-03)
– Bill Huizenga (MI-04)
– Tom Barrett (MI-07)
– Nicole Malliotakis (NY-11)
– Tom Kean Jr. (NJ-07)
– Mike Lawler (NY-17)
– Mike Turner (OH-10)
– Brian Fitzpatrick (PA-01)
– Ryan Mackenzie (PA-07)
– Rob Bresnahan (PA-08)
– Scott Perry (PA-10)
– Andy Ogles (TN-05)
– Monica De La Cruz (TX-15)
– Rob Wittman (VA-01)
– Jen Kiggans (VA-02)
– Bryan Steil (WI-01)
– Derrick Van Orden (WI-03)

Republicans are betting that by dividing Americans against each other, they can duck the blame for the health care apocalypse they created. Let’s prove them wrong.

That starts with flooding the phone lines of these Republicans and protesting outside their offices to demand they save our health care.
https://www.rawstory.com/health-care-costs-2674296374/

Jayden Daniels’ mother Regina expresses disappointment after Commanders’ late-game debacle in 16-13 loss to Dolphins

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Jayden Daniels was ruled out for the Washington Commanders’ Week 11 game against the Miami Dolphins.

The matchup, held in Madrid, Spain, ended in a narrow 16-13 overtime loss for the Commanders.

Daniels’ absence was a significant factor in the team’s performance during this closely contested game.
https://www.sportskeeda.com/nfl/news-jayden-daniels-mother-regina-expresses-disappointment-commanders-late-game-debacle-16-13-loss-dolphins

No. 7 Oregon hosts No. 17 USC

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**No. 17 USC (8-2) at No. 7 Oregon (9-1), Nov. 22 at 3:30 p.m. EST**

**BetMGM College Football Odds**
Opening Line: Oregon by 13.5
Against the Spread: Oregon 4-5, USC 5-5

**How to Watch:** CBS

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### Key Stats

**Oregon Offense**
– Overall: 475.4 yards per game (11th in FBS)
– Passing: 241.8 yards per game (56th)
– Rushing: 233.6 yards per game (8th)
– Scoring: 39.0 points per game (7th)

**Oregon Defense**
– Overall: 235.4 yards per game (3rd in FBS)
– Passing: 127.3 yards per game (1st)
– Rushing: 108.1 yards per game (20th)
– Scoring: 13.7 points per game (6th)

**USC Offense**
– Overall: 488.9 yards per game (5th in FBS)
– Passing: 298.1 yards per game (10th)
– Rushing: 190.8 yards per game (28th)
– Scoring: 38.2 points per game (10th)

**USC Defense**
– Overall: 344.1 yards per game (47th in FBS)
– Passing: 198.3 yards per game (43rd)
– Rushing: 145.8 yards per game (63rd)
– Scoring: 21.7 points per game (41st)

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Both teams excel on third down conversions. Oregon ranks 14th in the FBS, converting 49.2% of the time, while USC ranks 8th with a 51.7% conversion rate.

On penalties, Oregon averages 41.9 yards per game, ranking 20th in the FBS. However, Oregon’s red zone defense struggles, allowing opponents to score on 94.4% of trips, placing them 132nd in the FBS. In contrast, USC’s red zone offense is highly efficient, ranking 9th and scoring on 94.0% of red zone opportunities.

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### Team Leaders

**Oregon**
– Passing: Dante Moore – 2,190 yards, 21 TDs, 5 INTs, 72.8% completion percentage
– Rushing: Noah Whittington – 623 yards on 76 carries, 5 TDs
– Receiving: Dakorien Moore – 443 yards on 28 catches, 3 TDs

**USC**
– Passing: Jayden Maiava – 2,868 yards, 18 TDs, 6 INTs, 66.8% completion percentage
– Rushing: King Miller – 719 yards on 99 carries, 5 TDs
– Receiving: Makai Lemon – 1,090 yards on 71 catches, 8 TDs

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### Last Game Recap

Oregon defeated Minnesota 42-13 on Friday, Nov. 14. Dante Moore led the Ducks with 306 yards on 27-of-30 passing (90.0%) for two touchdowns and no interceptions. Noah Whittington contributed 72 rushing yards on eight carries and one touchdown, plus two receptions for 10 yards. Kenyon Sadiq added 96 yards on eight catches with one touchdown.

USC won 26-21 over Iowa on Saturday, Nov. 15. Jayden Maiava threw for 254 yards on 23-of-32 passing (71.9%) for one touchdown with no interceptions. King Miller rushed for 83 yards on 19 carries, while Makai Lemon caught 10 passes for 153 yards and one touchdown.

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### Next Games

– Oregon plays at Washington on Nov. 29.
– USC hosts UCLA on Nov. 29.

*By The Associated Press*
https://mymotherlode.com/sports/college-sports-general-news/10193691/no-7-oregon-hosts-no-17-usc.html

Experts Behind Historically Accurate BTC Model Shares Near-Term Prediction ‬for Crypto Market ⋆ ZyCrypto

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Experts Behind Historically Accurate BTC Model Share Near-Term Prediction for Crypto Market

Analysts at Weiss Crypto have offered a measured outlook for Bitcoin’s next market phase, pointing to liquidity trends as a key signal for what comes next. Their model, renowned for accurately forecasting Bitcoin’s multi-month corrections, now suggests that the bull market may be nearing exhaustion—although it is not yet entirely over.

According to the firm, global liquidity, particularly from Asia, has long been one of the most reliable predictors of Bitcoin’s short-term corrections. However, it has never precisely forecasted a four-year cycle top. Historically, Bitcoin has either peaked alongside liquidity, as in November 2021, or months before, as seen in 2013 and 2017.

Weiss Crypto noted, “If Bitcoin begins to deviate from liquidity with an 84-day lag, we must check whether Bitcoin has begun following liquidity in real time.” That pattern, they say, is precisely what’s unfolding now.

Despite this caution, Weiss maintains a neutral outlook on Bitcoin, unchanged since late August. The model would only turn bearish if BTC closes a week below $96,000.

“The bull market isn’t necessarily over,” the report adds. “This has been a strange four-year cycle. Which means the next down phase may not resemble a traditional bear market and there’s still gas in the tank.”

Liquidity is projected to improve again in 2026, potentially setting the stage for the next growth wave.

At the time of writing, Bitcoin trades at around $94,261, down 1.77% over the past week and 16.15% in the last 30 days, according to CoinMarketCap. The global cryptocurrency market cap stands at $3.18 trillion, down nearly 18%, while Bitcoin’s dominance remains near 59.5%.

Meanwhile, market anxiety is high, as revealed by a Fear & Greed Index of 25 (Fear), with BTC currently 20% below its all-time high.

Market analyst Joe Consorti believes this…
https://bitcoinethereumnews.com/bitcoin/experts-behind-historically-accurate-btc-model-shares-near-term-prediction-for-crypto-market-%e2%8b%86-zycrypto/