#Loss weight course

[watkinsglen]

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

[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.

[emmaspolaroid]

objectively one of the funniest things that’s ever happened to me was the time i put on a documentary that sounded interesting and discovered that a specific woman was Very responsible for so so much of what is wrong with me

[rainyfestivalsweets]

2/11/25 Wt 195.

It is my lunchtime. The scale was high again and I am trying so hard not to reactively restrict more. Trying to stay high protein but manage calories.

So far:

Breakfast: grapefruit, 1 egg, 1 egg wh & a turkey link

Snack: banana & protein powder in coffee.

Lunch: soup, tuna melts on lc street tortillas.

A pot of coffee and a cup of this 5 mushroom brew.

It doesn't matter, just keep moving forward.

Keep going, keep going keep going.

KEEP GOING

We don't stop. We don't stop. We don't stop.

[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]

🙃

[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

[shivmantrayogaandmeditation]

[hereticallyeverafter]

I made a connection, you guys.

Tiktok thinfluencers are just Prosperity Gospel grifters.

[hairtusk]

i think starting monday i'm going to make a sincere effort to eat better and go for walks and lose a bit of weight again.

[ametamorphosisaddiction]

Exciting News: My Veterinary Journey, A Special Valentine’s Day & Lucy’s Incredible Transformation

[siko94]

https://tr.ee/eCk-TF_ZWf

We’ve all been there-setting big weight loss goals before a special event! We wish to lose 10 kgs in just 45 days, but is it realistic and healthy? In this video, we break down the science of weight loss, the role of calorie deficit, and what ACTUALLY works - without starving yourself or falling for unrealistic fitness myths!