#Loss weight course

[theologyy]

Review: “My Investing Journey and Learning” by Carmen Mundt

Qualifications: I’m a journalist reporting on business, economics, and defense who’s been in the industry for 7 years — the last 3 have been at, debatably, the #1 business publication in the world.

Rating: 2/5 stars

Thoughts: I cannot believe I spent 39 euros on this.

This 39 page ebook provides incredibly basic information that can all be found in this article.

First: while the ebook is about 40 pages, it probably has about 10 pages of actual information in it, interspersed with inspirational quotes from Sheryl Sandberg and Warren Buffet, with some pictures of Carmen in Monaco.

There’s about 1 page of “introduction” from Carmen that talks about her upbringing and journey to university in London. I won’t comment too much on her personal story, but an important thing to note is that she says she came from a “traditional Spanish household” where her father was the breadwinner and her mother had no access to family finances. After the 2008 crash, her family couldn’t afford to send her to college. She moved to London, applied for a student loan, and began studying finance at a university while working part time.

Carmen very, very briefly mentioned her regrets as to her mother’s inability to access higher education, work, and family financial planning; she says she’d never want to be in that position. While literally only one sentence, I think it makes it clear who the audience for this ebook is: someone who has absolutely, positively, no idea about money.

(She also very, very briefly mentions “big changes in her personal life” that made a full-time job in finance “not sustainable,” leading to her move to Monaco. This is her only reference to George.)

The rest of the book very simply explains how to make a budget, set financial goals, invest in the stock market, and mitigate risk. The information was kinda factually correct, and was written in a coherent manner. I think that’s the highest praise I can give it.

Here’s the thing: like other reviewers have called out, I am pretty certain that Carmen didn’t write anything besides the introduction. Whole sections (and indeed the entire format of the ebook) were clearly ripped from the Female Invest introductory courses. (I spent 3 hours clicking through each course so I could find direct wording comparisons to make this claim. I really wouldn’t recommend it.) I do think she edited these sections, and she interjected a few personal sentences; but I believe that’s where her involvement ended.

From an expert perspective, a lot of the information is so simplistic as to be almost incorrect. This isn’t a “first day of Econ 101” ebook — this is a “freshman year of high school home ec class” ebook. (Did anyone else’s home ec classes teach budgeting, or just me?)

Here’s an example. In a section on stocks, Carmen/Female Invest writes: “Investing in stocks allows you to support companies and causes you care about while still making a profit.”

On a basic level, this is correct. Purchasing a stock technically means you’re buying a little bit of a company, and I guess therefore supporting it. But unless a company is IPOing, you’re buying those stocks from another investor — which means your purchase has no effect on the company. So it’s a little disingenuous to claim you’re somehow helping the company. The ebook is rife with this kind of thing.

Carmen pushed in her advertising posts that the Female Invest courses were a key supplement to her book. So obviously, I had to do those too. And holy shit, they were so much worse than the ebook. Some parts were blatantly incorrect on basic information (they claim markets are open 24/7, when most are only open 9am-4:30pm on weekdays) and have some of the most patronizing metaphors I have ever read. (One of the most egregious was comparing your investment portfolio to a pizza because “stocks, bonds, and ETFs” make up different “sizes of slices to make a whole pie”. This isn’t even an accurate equivalent — maybe a calzone, pasta, and pizza make up a whole meal? I don’t even know.)

I would not recommend buying this ebook unless you, too, were barred from even thinking about a stock by your traditional father. Even then, consider free sources.

A Disclaimer on disclosures: So, after @ohblimeygeorge sent me a reddit post also reviewing Carmen’s book that mentioned ad disclosures, I decided to dive into the regulations. In the U.S., influential advertising is regulated by the FTC — in the EU, it’s regulated by the EU Commission, which I believe Carmen would qualify under since she is a Spanish citizen who lives in Monaco. First, I looked at this legal brief on content monetization business models, and concluded that that the ebook likely falls under “affiliate marketing” as Carmen likely receives a percentage of each ebook sold through her link.

(An additional disclaimer: obviously, I don’t know the details of the deal Carmen has with Female Invest, but I’d think it unlikely that she isn’t getting paid for their collaboration. She mentioned in an Instagram story under her Female Invest highlight that she “tried purchasing equity but they were already too big for what I could afford” but “did buy a bit of their crowdfunding.” Since she doesn’t have equity, i.e. doesn’t own a piece of the company, it’d be weird if she was doing this for free.)

Back on topic. I next looked at this legal brief on advertising disclosures. It states that affiliate marketing must be disclosed: “you need to make sure your audiences understand that it’s advertising.” Disclosures can include hashtags and “mentioning” advertising in the caption. Carmen has not disclosed advertising in any of her Female Invest posts, and appears to be violating this regulation. (Interestingly, her only posts that follow disclosure requirements are her Tommy posts.)

It’s apparently not uncommon. An EU Commission study showed 80% of influencers in the EU do not properly disclose ads.

So, there’s that too.

[foolishlyzephyrus]

they did my boy klaus so dirty this season. literally all character development got abandoned mid arc

[tea-and-secrets]

i have a secret that might be related kind of to body image, can i ask for clarification before sending? is it negative body image, talk of eating disorders, what kind are we talking about? i’d hate to misunderstand and accidentally hurt u op!!

don't worry about me! the blacklist is to protect other people ^_^ <3

i take 'body image' to mean anything that has to do with weight/body checking, eating habits, negative body image..... things of that sort!

the blacklist is condensed to make it easier to read! as always, i use my best discretion :]

[longagoitwastuesday]

ngl it sort of pisses me off the way adults regard Gojo in Jujutsu Kaisen at times. Which could be a very interesting and poignant point in a good way if well written, but as it is it becomes mainly just frustrating and sad in a negative way.

Nanami saying Gojo never cared about anything or anyone other than himself crashes interestingly with Kusakabe saying the whole situation was just all his fault because he refused to kill Itadori. The students are very aware of those aspects of Gojo's personality, but overall they seem to regard him with way more kindness and fondness even when at their rudest, not truly coinciding with either Nanami's or Kusakabe's views.

[tiredtriedfailures]

i hate losing weight and i hate being chubby. i also love being chubby and i love losing weight. this might sound stupidly confusing but all trans people get it

[wolfiestarzz]

I hate seeing ads that are like "In one month you can be totally rebranded!" "In two weeks you can become unrecognizeable!" "Follow this short program and you'll loose fifty pounds!" "Follow this short program and you'll become a better person!" why are we so obsessed with doing everything quickly? do we always need to rush ourselves?

[verflares]

i feel like i could write an entire mini-essay thing on why draconification rules as a narrative thingy + why it, the dragons and the thematic of immortality/undeath are so relevant and impactful towards botw/totks characters and themes as a whole. like i WONT because it really is just text thats already there. but i could .

[jon-withnoh]

🙃

[snowandstarlight]

people in medicine tend to talk about procedures and tests they themselves have gotten and so it occasionally comes up that i got a brain mri in high school

of course when people ask why i have the stupidest urge to blurt out my medical history and how it sounds like a question from the peds shelf exam

'A 15 year old female with no significant past medical history presents with secondary amenorrhea for the past 6 months. She also notes an intentional 20 pound weight loss in that time frame. She cheers for her high school team and runs about 15 miles per week, although lately has noted pain in her feet that has limited her activity. What is the first test that should be ordered?"

[stressedjester]

The universe is trying to stop me from becoming a bear (my chronic illness is making me lose weight)

[anotherpapercut]

seeing people on here unironically talk about trying to lose weight gives me whip lash. I thought we all agreed that was a fruitless pursuit promoted by profit seeking demons who seek to destroy the body image of everyone on earth by fear mongering about fatness

[winglssdemon]

Omg

Weight loss does not automatically mean your body is eating your muscles and organs. The antivaxxer level of anti science on this site when it comes to weight loss is unbelievable.

Your body will only start "eating" your muscles if you're losing weight AND YOU DONT NEED TO AND ARE HEADED TO BEING UNDERWEIGHT.

WEIGHT LOSS CAN BE SUSTAINABLE. WEIGHT LOSS IS A VIABLE AND SOMETIMES A NEEDED OPTION FOR SOME PEOPLE.

HUGE REMINDER THAT THERE ARE TIMES WHEN WEIGHT LOSS CAN HELP DISABLED FOLK ESP FOLK WITH CHRONIC PAIN. It's not a cure-all but people with chronic pain experience large amounts of inflammation in the body and having excess adipose CAN cause inflammation just by itself. Compound that with extra weight on joints can make movement that may already be difficult even more difficult.

And while I'm on this rant, I'm SO sick of people acting like overeating and binging aren't disordered eating and also forms of self harm. I'm sick of the "body positive" activists who get SO mad that some fat people HAVE become fat through overeating and binging and want to talk about it. Like why can't those of us who gained weight through disordered behaviors actually talk about it? Why don't you talk about or let others talk about the fact that some people go from a restrictive eating disorder to a binge eating disorder.

Reasons Why I a Disabled Person decided to lose weight:

1. I knew I was eating too much junk food and not eating enough fruits and vegetables. So I started working on moderating how much junk food I was intaking and I have been trying really hard to make sure I choose healthier options.

2. My chest was/is too big. It was beginning to cause actual dysphoria issues along with the excess weight giving me constant shoulder and neck pain. Weight loss cannot be targeted at any specific part of your body, but overall weight loss can help you lose cup sizes.

3. The food was making my chronic pain worse. Many ultra processed foods are known to increase pain in people with chronic pain and it's been proven in multiple studies that eating a healthier diet can help decrease pain. It won't get rid of it, but it can help.

4. I was using food as a maladaptive coping mechanism. Stress eating is not actually helpful in the long run. Sure it makes you feel better while you're eating it, but once it's gone the problems, the pain, the stress is all still there.

5. I want to be able to use my crutches and KAFOs more often and having already lost a fair amount of weight, I can definitely 100% say that I have less difficulty using them than when I was at my heaviest. It's easier for myself to push myself in my wheelchair, and it's easier to propel myself in sled hockey. Among this, getting a bigger chair was just out of the question when I last ordered my most recent chair. The world is already so hostile to wheelchair users and spaces are already so narrow, it's easier to have a smaller chair if possible. Like we can talk all we want about how things need to be more accessible and universal design needs to be implemented everywhere so people in all sizes of wheelchairs esp those in power chairs, can get around easily without this being something to worry about, but at the end of the day, I want to be able to get through as best I can, and making sure I'm not going any bigger with my wheelchair is legit just something I have to do.

And you know what, even with all of these reasons, there's still the fact that people deserve bodily autonomy so if I want to safely lose weight for ANY reason, then that's my choice.

[aleatoryw]

i haven't really seen people talking about this on here, just on twitter, but there's a new drug (or rather a family of drugs) rolling out that's meant to treat diabetes... but is being taken by non-diabetics for weight loss purposes. this drug doesn't actually change anything about how your body works, it just suppresses appetite. obviously there are a lot of concerns around this - we have no long term studies! diabetics can't get it because dieters are buying it all! thin is gonna be in again! - but it's so wild that this is described as a "miracle weight loss drug" and not "an eating disorder in a bottle"

because the problem with an eating disorder isn't that you feel kinda hungry all the time. it's fucking organ damage from starvation. making the big flashing warning light of hunger go away is just a means to super charge this process. people who have started taking it (notably these are mostly already thin people willing to pay $700-$1000 a month to keep off ten extra pounds) say things like "i felt so normal because i wasn't thinking about food all the time!" as if thinking about food all the time isn't, again, a huge warning sign that you aren't eating enough.

but moreover.... fuck man. the users describe not eating less, but losing all interest in food, even food they used to love. restricting desire is no longer enough, it must be cut entirely from the body. that's how i used to approach food and eating when i was really depressed. i knew my cat was dying when she wouldn't eat the gravy i poured for her. it's almost sick to watch people approach hunger and pleasure that way, but sicker still to know the price is screwing over diabetic people, potential organ damage, $10K a year, and approximately ten pounds of your real human body.

[angelsdean]

thoughts based on this anon to @queermania

no but really they should’ve had jack have to kill Michael!dean and not be able to bc despite telling Cas he’d kill dean if it meant saving the world from Michael when it comes down to it he. Can’t :( that’s one of his dads ! And he knows dean wouldn’t fault him for doing it. He’s right when he said it’s what dean would want. Oh self-sacrificing dean. But jack can’t do it, so instead he uses up all his power and burns his soul to expel michael out of dean and kill him. And hey, sacrificing souls for family…that’s something dean understands too. He doesn’t Like it but he gets it. Then later, the parallel to this comes around when dean’s gotta kill soulless!jack but he can’t !!! Jack tells him it’s ok, he understands. Just like dean understood why he needed to be killed as Michael!dean. But that’s his kid!! So he tosses the gun away bc he doesn’t care if jack doesn’t have a soul, he’s still worth saving, still worth loving. He’s still family. And, god, they really do love in similar ways. Anyways dean gets down on the ground in front of kneeling jack and pulls him close, hugs him to his chest and says, “it’s ok, I got you, kid.” And THEN, chuck burns out Jack’s eyes while dean’s holding him, powerless to do anything. And dean shuts his eyes instinctively at the burst of light and he hears Cas’s anguished scream shake the world and he doesn’t want to open his eyes, thinks if he keeps them closed it won’t be real. Anyways, it all could’ve been done SO much better and for maximum grief and despair. Esp during the divorce arc to have them BOTH deeply mourning jack instead of having all of dean’s grief be focused on Mary which, tbh, didn’t really fit.

[shivmantrayogaandmeditation]