#question ig

[im-in-love-with-bigpauly]

Quick question: do yall think the cameramen(or just anyone in the alliance) can have autism or adhd? Do you yall think the skibidi toilets can have it as well?

[h0wlthew0lf]

can someone tell me the new teachers names i genuinely dont know idc if its just ur headcanon

[quitlebee]

I don't think I've posted it here, here you go friends

If you don't think usopp doesn't use his privilege to sneak in some snacks for luffy and chopper then youre WRONG

[userjiminie]

jiminie got his wish, after all ♡ inspo. | interview | AYS cr. ouranxingg

[999999999inadream]

toby fox needs to add like a bit of narration in deltarune abt kris like "they themmed they/themily down the stheirs" cus i cant go on seeing them constantly get he/himmed in yt comment sections

[schemelin]

Palmer and Altairus

[spiralinaa]

raw. next question

[elizakai]

so apparently this drawing like. got eradicated by the tumblr void because the original post is gone…so here it is again bsisndn💔🙂‍↕️

[frogisanut]

gammastuck au !

au with my friend that goes something like "earth c kids discover glitched version of sburb and the codes goes so wild that caretakers and beta kids are switched so badly that these are completely different versions"

eM - "mom lalonde" mF - "bro strider" eN - "dad egbert" fN - "bec"

[kotdish]

I’ve always been a blu scout has freckles truther✊

[fermithesilly]

everyone’s doing swap AUs so. (I’ll do Shelly and Dandy later, I probably won’t do the others tho. Also I’m not doing anything with these characters I just wanted to design)

lalalaalalal some info about them

Pixel & Cipu

-They’re connected to the internet, and you can search up stuff on them

-They love telling random fun facts! Pixel likes to share wholesome uplifting info usually to cheer other people up, and Cipu always ruins it with morbid reality

-Dialogue idea

Luppit

-He resembles the planet Jupiter -His name is a reference to Jupiter’s old name (Luppiter)

-Instead of telling jokes like Finn he’ll tell other’s Zodiac signs, teach people how to identify constellations, and yeah just ramble about space

-His head is floating

Rocko

-It’s just anthro Pebble..

-Mute like Flutter but can still make dog noises

-please don’t ship him with anyone

Roodo

-He isn’t as loud and angry as Shrimpo unless you anger him enough

-He’s a beetroot

-His character was supposed to teach children about how healthy vegetables are but he takes it too seriously and just comes off as an angry dietitian😭

-He’ll start screaming at you if he catches you eating a dessert

[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.

[mukimokai]

they're married !! 🏛🌱

[anriflosdraws]

me when im in a being a xander defender competition and my opponent is david

[d3rpydoods]

Part 2 cause this dymanic works BOTH WAYS EYOOO😩👌👌👌- *gets shot*

[the-algid]

So it's understood that Kayne's name is Harlan's middle name. I believe most people assume that's just like an easter egg or an easy name. But I think Kayne specifically chose it cuz he's aware this is a podcast and he himself knows of Harlan and knowingly denoted himself with Harlan's middle name.

He is aware of the narrative and can actively manipulate it. I already think that he's aware of the episode titles, since he directly references Coda's name. Says the word Malevolent twice, once as Malevolent entity, which he's been called in non-canon stuff. And that Harlan is very sparing of how much out of canon stuff he's in (not allowing him to be chosen for Patreon bonuses, and have we ever heard him in spooky streams?)

I theorize that Kayne can in some ways step out of canon, and he is fully aware that this is a podcast, it's voted on and even Harlan's middle name. And Benevolent was him stepping outside of canon for a bit of fun. This also explains his attitude towards John & Arthur