Yeah this! The day that casey neistat started advertising nordvpn, I lost a lot of interest in his content.
I personally don't mind creators advertising VPNs, but just be honest about it. Don't pretend like it's your favourite VPN you've always used, and it's the bestest, most secure, will make you super safe..
If they'd say like, I've been paid to advertise xyz VPN, I've tried it for a few days, works as advertised. I can watch my US Netflex while traveling out of the US, or whatever. But keep in mind, instead of just your ISP knowing where you browse, now the VPN providers knows, and is probably selling your data.
Like, cut the bs.
Damn Youtubers really make alot from affil links? I think I've only like once or twice used a link in the description.
I usually don't bother, because nearly always the links in the description arn't relevant to the video. Just an ad link, and generic, my camera xyz links to some amazon page which usually out of stock/gone.
I always thought Youtubers made the bulk of their money with brand deals (like Honey), and some from youtube ads + light sprinkling on top from afill links.
LinusTechTips recently did a video on their revenue sources: 55% from merch, 21% from video sponsors, 12% from YouTube AdSense, 7% from their own video platform, and only 3% from affiliate links.
I guess for creators with a much smaller merch business, affiliate links would be twice as big a portion.
Well, what do the end users care. So long as they get there honey $$. Yes, sucks for the real referer, and youtube creators doing the promoting (though they probably got paid more directly from Honey to do the ad then they would've gotten from there affil links).
Though, like what was exposed, Honey does a poor job for the end user too. There are other cashback sites out there doing what Honey claims/does, but passes on more to the end user. Though they're all taking the referral $$ from the real referer, if there was one.
For those few living in NZ, I've made a site that lists all the bank saving rates (and TDs), and ranks them by best to worst.
This is mostly intended for people who know what they're doing. So don't just pick the highest and roll with it. Higher return usually comes with more risk.
Also, the biggest banks usually have the worst rates, this also goes for Kiwisaver, don't put your Kiwisaver with a bank, it'll do poorly compared to the lowest fee options we got in NZ. e.g. InvestNow (Foundation Series funds) / Kernel / Simplicity.
Still needs some work, like showing which rates are variable, or extra high risk.
Pretty quickly hacked together, to be very utilitarian, and practical. Don't see ever making money on it, made it more for me.
Re your investing question, I'm not OP, but gone pretty deep into retirement investing. If you belief is that the US will continue to outperform other countries then S&P500 (VOO) is your best option.
If however you're not sure the US will outperform other countries, then VT (world) is the best option. It'll automatically rebalance as countries have larger/smaller GDP etc. Thus VT is the safer option.
And then there is the question if you'll sleep well being 100% stocks (be it VOO or VT), if you don't then you may need to have a split of stocks and bonds. Bonds will usually "smooth" out the ride, but at the cost of returns. But if you sell your 100% shares when stocks tank, which they will (like now), then you won't get the best return from being 100% shares. (aka, you can't time the market).
Also, there are a bunch of things you can do to maximize your tax efficiency when investing for retirement. Depending on the country your in.
I didn't look into what exactly joshuakennon company does, but appears to be active investing in value companies. But statistically speaking, most companies trying to beat the index (active investing) under perform it long term (and usually charge high fees for the pleasure). Maybe these guys are the exception, nobody will know, till it's too late.
Thus passive/index investing is the safest long term bet. (e.g. VT or VOO being the lowest cost ETFs for those types of investments)
Edit, checked there disclosure PDFs, sounds like you're paying a pretty high on-going fee for financial advice, and for them to buy VOO for you, for example. They seem to offer Passive investments, but also the fee is well above say Vanguard.
They're also not very forthcoming with how well there "value investing" does, compared to others offering the same or an index. Kinda a red flag.
If you want investment advice, see an adviser who charges a flat fee for your meetings with them, this is fine, but don't go with anyone (like these guys) who charge a % portfolio fee, every year. They will be the ones getting rich, not you.
I grew up without TV, computer, Playstation etc in a fairly rural area. It was great most of the time, till I had to go to school. I spent most of my time at home or around the farm, and my 2 other siblings. Very rare to see others outside our fam. And if anyone did visit I would hide from them, not knowing how to interact with them.
I never learnt how to socialize, and was very shy as a kid (and still am to a degree). I was even afraid to enter shops, and would only go into ones I had been to before with parents, if I had to. Wasn't till my early 20s that I built up enough courage to enter new stores without intense fear.
I started off at a school which I was bullied allot, never learnt anything, eventually was pulled and put into a traditional state school where I did much better (but far behind other kids). Though still bullied a bit, but teachers there actually cared, most bullying didn't last.
But once I got to High School (and to a degree primary) having such a different upbringing to all the other kids made it very hard to make any friends. Or have anything to in-common to talk about.
It also made parts of learning in school harder, because teachers would talk about xyz pop culture that 99% of kids knew about (e.g. popular movies), and I was just like.. what, I've never seen that.
The last 1-2 years of school once I was allowed a computer I had no self control, and binge watched SOO much tv/movies, in an attempt to catch up to kids my age, and have something to talk about. It would take many years to get it mostly under control.
I think for my kinda upbringing to work, you need to live somewhere where everyone is doing it too, otherwise it's a painful upbringing for the kids, which effects them for life, in a bad way in my case.
Maybe there is a middle ground to take here that would work better, idk.
Psychological problems can still be a result of upbringing.
In the GPs case, a lack of commonality with “regular” folk due to zero access to electronic devices, which lead to intense fear interacting with “regular” folk.
> pretty clear from the GPs post that they took steps to integrate
I didn't get that at all.
I'm telling you that I spent all my time with TV, computers, and video games and as a result did not learn how to socialize well until much later. If you think simply knowing the details to a popular TV show is going to win friends, at least in my case you'd be wrong.
If you're a kid that's going to get bullied/shunned, the specifics don't matter. Change them and the bullies will pick on something/anything else they can find.
Yes, the original anecdote was simplistic. Most “anecdata” is.
However your response that their social anxiety wasn’t a result of their upbringing, and then expanding that with the evidence being your own anecdote, is far more simplistic and somewhat uncharitable too.
You might be correct but you might also not. However you know less about the situation that the commenter (obviously) so I don’t really see how you can confidently assert anything about their condition.
And that is why I responded the way I had. It’s not saying you are definitively wrong; just that you know far too little about the specifics to make assertions.
this is interesting because on the surface i ad a similar upbringing but a very different outcome. now this was a decade or two earlier. internet didn't exist yet, but we had no TV, no car, and i didn't have a single friend until i entered university. i was also bullied (mildly).
but that's where the similarity ends. i was proud of how we lived. i didn't want to be friends with kids who had nothing in common with me. i deliberately distanced myself.
i got access to computers in highschool and spent a lot of time there. i got access to the internet at university and i got a TV.
somewhere in between i learned that i didn't like to waste time with mindless TV watching and i developed a discipline to study the TV guide to decide ahead of time what i wanted to watch. and i still do that. now everything is online, but i deliberately pick what and how much i want to watch. most of the time. i wish i could say what it was that gave me the feeling of not wanting to waste my time. but i have no clue.
anyway, to your key point:
I think for my kinda upbringing to work, you need to live somewhere where everyone is doing it too, otherwise it's a painful upbringing for the kids, which effects them for life, in a bad way in my case
or if you raise your kids in such a way that they don't want to have friends (in my case it wasn't deliberate, just circumstances), it's less painful, but it also affects them for life in an equally bad way.
i think a middle ground would be to teach the kids mindful watching of TV/youtube, playing games, etc. it takes discipline to be a good role model though.
The US is a rich country (compared to Vietnam), so I'd have thought they'd have the resources to automate much of the process of making healthy meals, and thus cheaply. Yet here we are.
I used to live down the hill from 1, and 99% of the time could hear nothing. But on a lucky day when the wind was in the right direction and right strength, you could just hear a faint woosh woosh woosh.
Personally I liked the sound. But we only had 1, so maybe different with many more. Though never heard the wind farms I've stopped by.
Thanks! But I get the impression that with Kokoro, a strong CPU still requires about two seconds to generate one sentence, which is too much of a delay for a TTS voice in an AAC app.
I'd rather accept a little compromise regarding the voice and intonation quality, as long as the TTS system doesn't frequently garble words. The AAC app is used on tablet PCs running from battery, so the lower the CPU usage and energy draw, the better.
I personally don't mind creators advertising VPNs, but just be honest about it. Don't pretend like it's your favourite VPN you've always used, and it's the bestest, most secure, will make you super safe..
If they'd say like, I've been paid to advertise xyz VPN, I've tried it for a few days, works as advertised. I can watch my US Netflex while traveling out of the US, or whatever. But keep in mind, instead of just your ISP knowing where you browse, now the VPN providers knows, and is probably selling your data. Like, cut the bs.