Last time I checked in I was at 30ish/month in revenue for my digital marketing agency. Over that time I've gone from being mainly a FB ads agency to moving more into email, TikTok, and general digital strategy. I've done this mainly by being more selective with clients and guaranteeing results. I've also gotten more efficient with onboarding clients, delivering results quickly and setting a strong standard for communication with my clients, even if results are coming about slower than we talked about. Ask me anything, I'm looking for questions, advice and unforeseen roadblocks and to crowdsource some answers for other entrepreneurs. Want to add as much value as possible, as you guys have helped me more than you'll ever know. Here's a link to my last post that did well:

https://www.reddit.com/r/Entrepreneur/comments/nvujra/ive_run_my_own_digital_marketing_agency_now_for/

On 12/29/2021 3:31 PM, I wrote:

Is it not in my best interest as an investor to know where my money is specifically allocated?

"TSP informed me" The investment managers' securities selection model is proprietary and confidential; therefore, we are unable to provide you with a list of all the bonds and securities in which the F Fund invests. "Or what any of the other Funds invests in."

On 12/30/2021 10:52 AM, I wrote:

Hello again,

I am requesting more transparency than is being given. Blackrock invests my money because I have no other choice being Active Duty Military. Does this not portray any red flags that Blackrock cannot reveal to its investors the very formula or specifics about what and where they are investing countless number of service members/government employees money?

Where can I confirm that Blackrock is indeed taking 100% of my money as well as others and 100% ensuring that it is being invested in these funds? and not some off-shore investment, Reverse Repo's, Chinese Bond Market....or drowning Hedge funds caught in derivative market debt etc.

I speak not only for myself but for those that are being led blindly because an investing firm that TSP is with will not reveal that information yet continues to do as they please with my money?

How do I know that my money is sitting in these funds 100% of the time?

How do I know that my money is not being rolled up into securities to keep asset(s) afloat?

How do I know that my investment is 100% looking out for me as an investor?

Where is the protection in continuing to tell me that Blackrock's investing strategies are proprietary and secret?

Red Flag

Red Flag

Red Flag

-Concerned & Educated Retail Investor

I'm a 22yr old college student who serves full-time in a restaurant to afford my education. College education used to be an investment where you'd see a return in the form of a job/career. I think qualifications for private sector careers are drastically changing.

I read a tweet this morning regarding how Addison Rae had been hired and fired for becoming a UFC correspondent. I can't imagine the hundreds if not thousands of other applicants who studied years to get into a position like that. To go even further, the Tik-Tok influencer shared a bitter statement on twitter saying that she studied hard for three months to get that position.

Three months??? Are you kidding me?!

That's not even a full semester of college. Plus, this 20-year old girl already has a generated net worth of 2 million. It proves to show that landing the career you want is a who-you-know game, rather than what-you-know. I'm happy to see another young kid becoming successful, but seeing news like this makes me feel like obtaining certain careers are impossible. If qualifications for careers aren't based on a defined set of knowledge, than what is my degree really going towards?

Edit 1: I just wanted to say thank you all for the input. This was my first reddit post that generated a large reddit-community conversation and who would've thought it was made while sitting on the toilet waking up this morning.

After reviewing a lot of comments, I found an abundance of insightful information on why college is still relevant today. While I still feel that college holds less value than it once did, it still gives us important knowledge and networking options. When I pay too much attention to social media outlets, it tends to blur the line on how I perceive the definition of success. With that being said, I think success is truly up to ourselves regardless of a college degree or social media clout.

If so, let us please give a warm welcome to Detroit's newest WR1, 2 3 and 4

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Audio of first call to QTrade to DRS shares

The call has been edited to remove the "hold music" and personal info.

I debated and debated whether to share the audio but it is important for others to hear the resistance that I experienced; so I decided to share it so that you can hear/see how the narrative continued to change during the call and the changes in the email exchanges.

I'm frustrated in the call and tried very hard not to take it out on the rep doing his job. During the call I was trying to think clearly through the red mist.

I would like to say that the customer service agents are only doing their job and NOT in control of the narrative that they are required to spout. Despite my frustrations, the customer service at QTrade was professional and managed my concerns as well as could be expected. It must be tough to have to listen to so many people and have to tell them bullshit.

These exchanges both audio and emails are not intended to berate the service that was provided by the agencies or the individuals that handled the complaint. The individuals that I interacted with did a great job and are in a tough position.

My email follow up to the phone call

Their response to my inquiry that they didn't read.

My detailed response after having had such a poor initial experience.

I additionally sent a demand notice and included government agencies, lawyers and a national organization

The response from QTrade after my detailed response and they offered to pay for me to transfer my shares to another brokerage.

[ My response to the offer to transfer my share to another brokerage. ](https://preview.redd.it/o9rabf73bhu71.png?width=729&format=png&auto=webp&s=b5103cbc15cc72a5

##Scandinavian Development and Investment Agency

The Scandinavian Development and Investment Agency will be an agency of the Scandinavian Community, and is responsible for managing Scandinavian funds to developing nations across the world, as well as Scandinavian investments in these countries. Its function will not be economic, and the agency's primary goal is not to create a profit for the Scandinavian Community, but rather to improve living standards around the world and strengthen Scandinavia's position in the world. It will attempt to aid states which are in dire financial situations, through very-low interest loans and sizable grants. It will be based in Stockholm, and will receive all development funds from all respective members, in order to expand its reach. The budget for the SDIA for the fiscal year will be $100,000,000, with this set to increase to over $200,000,000 by 1970.

The SDIA will also act as an intermediary between Scandinavian businesses and enterprises and developing countries, ensuring that Scandinavian businesses are not put at a disadvantage, but also that Scandinavian companies do not plunder the country, thereby creating a sustainable and positive environment for enhanced economic and social cooperation. Should the SDIA find out a Scandinavian company is going against its rules, this company will be sanctioned by the relevant Scandinavian and national authorities, until the company complies with the rules.

Guidelines

• No slavery of any kind
• No forced labor of any kind
• No work days longer than 12 hours
• No children workers
• Fair wages and "acceptable" housing
• Access to health and education services
• Economic sustainability
• Active/"Nominal" cooperation with the locals
• Reinvestment into local communities.

We booked and End of Tenancy Clean with a company offering to come back and complete the clean for free if a complaint was made within 72h from their visit.

Given all possible information to the company, including square footage of property, number of rooms (specified TWO BATHROOMS), etc. They gave an estimate of 4h needed for the clean.

On the day of the cleaning (also our move out day) they only stayed 1h, and despite us asking both via email and in person to the cleaners directly to be notified at least 50/40 minutes before the job is concluded to have the time to come back to the old flat and inspect the work, they only let us know once the job was finished, meaning they had to leave and couldn't wait for us to go back and inspect the work (or lock the door even).

Once we actually got back we immediately noticed an entire bathroom was missed and we notified the company straight away, but by the time we had a response we were supposed to hand back keys already and proceed with the checkout.

On the checkout inventory it was obviously noted that a room was missed from the cleaning.

We hadn't realised before booking the cleaners that the letting agency wouldn't allow access to the property again to complete a job after the keys had been returned, as this information was only given to us in tiny text at the bottom of a long email, and we were dealing with a lot of frequent emails from them at this point.

Now the letting agency is refusing to let the cleaning company complete their work free of charge, a guarantee we paid extra to have, and is instead saying they will make deductions from our deposit to cover the expenses of the required cleaning.

Do we have any recourse with either the letting agency or the cleaning company? We don't think this is fair based on the fact that:

1. The cleaning company didn't give us a realistic chance to inspect their work, and had they done so while still on site we could have asked them to address the issue straight away and avoid this situation altogether.

2. The letting agency sneaked this pretty important information at the bottom of an email, where it was easily missed, and even when the 72h guarantee was mentioned to an agent who came for a viewing we were not told of this clause.

Can we dispute a deposit deduction for cleaning, based on the fact that we could offer a company doing the same work for free?

Alternatively can we realistically expect a refund equal to whatever deposit deductions we will ge

I'm not talking his pistons $17 mil /yr obviously, I don't ever watch Detroit so have never been that familiar with him as a player. But based on the eye test it's hard to imagine teams needing a second PG not being willing to sign him for $6-8 million a year for 3 years easy to wrap his career up. Whether his actual height is 6'2 or 6'3, with a 7'0 wingspan his "Ape Index" is at least equivalent to Donovan Mitchell and Kawhi's. Really a special player and we saw that yesterday. Thoughts?

Ok first off I know that everyone here took a risk and I want to respect that. Trust me tho I took a large risk myself, and did as much diligence as I could before jumping in. I was here from day 1, and will be here for the foreseeable future. That said, for those just learning or that did a YOLO (I have a special place in my heart for you crazy lads and ladies) you can goto CertiK.org and look up shibaswap. Not only that but there are 571,149 investment shields available for purchase. I know I know, you’re thinking why should you spend money on something else when they should just protect your interests and promise, at their expense of course, to do so right? Well, I’m sorry to say that will never happen. That’s not how a decentralized concept works; you have to take risk and do actual work (not saying anyone is against that, don’t hear me wrong). This is either an investment you can’t afford to lose, meaning go buy the insurance, or it’s one you can in which case buy it or don’t. Hope this informs some of the newbies!! I am in no way trying to downplay anyone’s concerns either, really hard to communicate tone via the internet. Good luck!!!