What is the best affiliate marketing program for college

Affiliate Programs for College Market

Which affiliate programs are aimed at selling products/services to college students?
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Affiliate Programs for College Market

Which affiliate programs are aimed at selling products/services to college students?
submitted by HackActivist to AffiliateMarket [link] [comments]

Mentor help

Hello I’m looking for a mentor to point me in the right direction . I’m trying to create a website and app and teaching my self how to code I just don’t know where to start or how to start I have big plans but my plans don’t matter unless I make the first step and I really just don’t know .
submitted by chris2forbs to mentors [link] [comments]

Med School: Why and why not Ateneo School of Medicine and Public Health (ASMPH) — an honest review

Hi! I have been sneaking around Reddit and Twitter for a few days now, and most threads that I saw are queries about comparing ASMPH to other med schools and seeing which one is “better”. In my personal and humble opinion, I would like to believe that there is no “best med school”; rather, I’d like to think that there is a “best med school for you”. This means that each medical school does things in very different and distinct ways, and it might be up to you if these distinctions or how they run the school would be preferential to you.
So in light of this, I’d like to share the pros and cons of what it means to be an ASMPH student. Just to be clear: 1) I am an ASMPH graduate and a medical doctor, 2) I think fondly of my time in school, 3) I am not paid to promote ASMPH in any way, and 4) there are some things in the school that I do not like (compared at least to the other posts that I saw which zealously ”defend” the school lol). I will be brutally honest and sincere about my review, so my advance apologies to readers who will find some comments “radical”. I made this thread with my own efforts to dispel (more of KILL) misperceptions hounding my school for a long time: “being babied”, “spoiled”, ”hindi naman magaling sa clinicals”, and etc.
To clarify, I am using my own experiences from my time as a student, and as this thread will age, some of the things written here might not be true anymore the older this gets (hence, future ASMPH students are welcome to contribute their experiences by commenting below!).

Why ASMPH? (PROS)

Strong helping culture
Traditionally, medical schools emphasize the virtues of “excellence” that got misinterpreted (by some weird reason) into the lines of the Machiavellian principle: “Only the strongest will survive”. Hence, you may hear the usual med school horror stories of “fierce competition”, ”I will fail you all”, and “do it all by yourself”. I am glad that I have not encountered these horrors, because the school has designed a system which cultivates helping each other thrive. There is the mentorship program, in which doctor-mentors help students identify their strengths and weaknesses in their medical training, and work on it. The “Pugad Agila” organization is there to support not just the board takers who are preparing for their board exams, but the students themselves in preparing for major examinations. Believe it or not, people in the school are seemingly ”transformed” to help one another: in my time, all the med students who are PTs (physical therapists) made extra review classes for Anatomy, the nurses bonded together to create mini modules for Physical Exam, the Med techs will teach extra classes of Pathology and Microbiology, and the RPharma will give classes of Pharmacology to students for free. The ones which had rigorous backgrounds of Epidemiology will offer classes to students who are not exposed to the Public Health Sciences concepts. Even the registered (bio)chemists will lecture Biochem and try as best as they can to make the concepts more understandable and student-friendly! The older generations of ASMPH students also generously would “pass on” their lecture transcripts of years’ worth of lectures to the new generations of students who will come in, and no one is spared from this generosity (compared to other med schools which are preferential, let us say, to their frat or sorority members). This culture of helping each other out regardless of anything and everything, I think, is the greatest pro that ASMPH has to offer, and I think that so far, no other med school has emphasized this as their core strength (others would emphasize a “long tradition of excellence”, “reputation”, etc). I strongly think that this culture of helping, togetherness, and unity is what is needed in our health organizations especially in the Philippines, which by far are obviously swamped by partisan politicking, “power-tripping”, and blame-throwing — a culture which MIGHT have origins from the subcultures cultivated in traditional med schools.
I also have to add here that some students who do not perform well/score low in examinations are treated not with rejection (compared I think to other med schools who are more than happy to kick out underperforming students), but with extra support from the admin and the student body. The school recognizes the value of its students and not just based on their performance or grades alone. Review classes held by better-performing students are held for free in light of removal exam weeks for students who needed them. This however does not mean that the school would deliberately lower its standards by making the exams easier for students to pass. However, the school recognizes that there are many factors that determine a student’s ability to perform well in examinations (e.g. mental health, financial issues, others), and it does try to strive in eliminating negative factors that hinder a student from performing well academically.
Rigorous Academic Curriculum in Basic + Clinical Sciences AND Working Feedback Mechanism
I have to say that the curriculum presented by the school is very rigorous in structure and in application, and it is very flexible and adaptive. Each module has been integrated into Systems, which really facilitates relatively easier learning since you can already apply your concepts from Anatomy to Physiology, or Pharmacology to Pathology (because the subjects are grouped together in a systems fashion). Aside from the weekly major exams (more or less), there are other avenues of learning as well like the Student Group Discussions (SGDs), where students are given a case to analyze and discuss, and the (in)famous Team Based Learning (TBLs), in which the students are given multiple extra readings from various CPGs and resources on top of the lectures, then solve a case right in front of the preceptor and take quizzes. Each subject is taught by different professors who are experts in their own fields, and more often than not, no single professor handles more than one lecture per module, which makes examinations more challenging (since no patterns of how questions are asked and what questions are asked can be established), hence making this a very effective ground of ensuring that the curriculum is rigorous in itself. However, others argue that this might disrupt the flow of repeating information in a spaced out fashion (which is necessary for true retention btw), and perhaps lumping related information into one module will deplete opportunities for certain information to be repeated in shorter periods, making it harder to remember in a long-term manner (ex: lumping Biochem altogether in the first part of First year Med will make it harder for the Atenean Board Taker (5th year Med) to recall Biochem concepts because these are not frequently revisited due to the Modular Set-up).
In the Clinical Sciences (Clerkship and Internship), there were some hits and misses in the training at least in my time. But overall, I think that it was great that we were exposed to both the Private and Public Health institutions, because both function differently. In the private setting, we were able to learn ideal management (since our patients do not have financial constraints) and observe topnotch, highly-respected physicians on how they practice their bedside manners and deal with cases involving with very high profile patients. Contrary to popular belief that students are not allowed to handle patients in private hospital settings, we actually do handle a LOT (the school’s partner hospital hosts the LARGEST amount of patients seen nationwide in the ER setting, private hospital-wise) and do it first-hand (especially in the Emergency Room and in the Internal Medicine Wards). In the public hospital setting, we are also first-line in terms of dealing with patients (e.g. history-taking, clinical skills, IV insertions, Foley insertions, ECG interpretation, delivering babies and suturing perineums). On top of these responsibilities and shadowing physicians, we are required to meet with selected faculty and staff and present case discussions on a regular basis in order to reinforce our learning. The beauty of being exposed on both private and public fields, however, is when you are forced to innovate your knowledge from the private setting and adjust it to the public health management, or when you bring your adeptness in your clinical skills acquired from the public health arena to the private health institution. In a way, both health systems benefit from your respective exposures, and you gain a holistic insight on how to deal with patients ranging from the richest of the rich to the poorest of the poor.
Furthermore, we were tasked to assist our residents and consultants to help in accomplishing numerous paperwork properly (tons and tons of them!), the basic framework and the most important cornerstone of hospital practice, for without it (or it being deficient or substandard), the practice of the consultant, the resident, and subsequently the medical student, will be highly endangered (read: medical lawsuits).
The feedback mechanism, despite it being taxing and hassle for most students, is absolutely necessary for the curriculum to be improved. In my batch at least, we were able to kick out (seriously) profs we felt that were not lecturing well enough, which I think is something that other med schools do not have. We also had our share of bad doctor-profs who just read from their lecture slides and (worse) copy some of their slides from online lectures — but the feedback mechanism successfully weeded them out, which (I hope) encourages most of our profs to make sure that their lectures are good (and worth the tuition we paid).
Insanely supportive Faculty
The core faculty of the school, despite being heavily decorated (eg. presidents of their affiliate specialties, numerous recognitions and awards), are very supportive of the student body, and are OPEN to subjective criticism and feedback, which I think is not that present in other med schools (MDs from other med schools are more than welcome to disagree!). I remember this incident wherein our batch decided to write a letter and express our negative sentiments towards a certain module (will not say what because this will provide a clue to which batch I belong to haha), and instead of venting their ire to the students, they proposed a meeting where we can discuss our grievances and suggestions without any fear of any forms of retaliation. Another incident would be when a classmate of mine proposed a change of dress code for graduation wherein students should be allowed to wear whatever they are comfortable with as long as it is decent (i.e. not limiting women’s clothing to dresses), which was supported by the administration. I have not heard of such degree of freedom in any other med school, which is why I laud our faculty for their efforts to be open and inclusive.

Why NOT ASMPH? (CONS)

No Labor Payment (at all) regardless of Hospital Setting
Whereas other interns earn (albeit minimally but still) allowances or stipends, ASMPH interns do NOT earn anything despite doing labor-intensive work inside the hospital. The partner institutions tend to justify and rationalize this treatment as “deserving“ for trainees (e.g. not just for medical students but for residents and fellows as well, who receive bare minimal salaries in the private setting) because the skills and clinical acumen that will be gained in training is deemed to be “sufficient compensation”, but I beg to differ and disagree. The amount of time and labor spent by medical trainees (regardless of being a medical student or a fellow) inside the hospital SHOULD be reflective on the amount of compensation (or hazard pay) that the hospital administration should give, since it is but fair and just labor. I would argue that hospitals, especially ASMPH’s partner institution, The Medical City (TMC), have the capacity to subsidize its trainees well because a) most of them are tertiary, profitable, top-earning hospitals in the country, b) Medical trainees run the hospital and make it alive, sacrificing more and doing more than the consultants, wherein some (not all, to be fair) usually just claim their slice of the pie, and c) Medical trainees are solely responsible for managing health data of all patients, which should ideally be managed by everyone involved in the set-up. To add salt to these wounds, an intern (medical trainee) from a hospital abroad who does only 8 hour shifts earns at least $170 (est PhP 8,000) PER DAY (source: https://www.youtube.com/watch?v=ZijqVV1NqYQ) compared to an ASMPH intern who earns NOTHING in 24 hour shifts, and subsequently compared to an average Philippine Medical Intern who earns PhP 5,000 - 7,000 allowance PER MONTH. Older MDs would dismiss this and might call this as “demanding” and “typical of millenial mentality”; I would call this as it is and would like to request for some form of justice. Most hospital administrators, or I daresay the investors of healthcare system who are mostly businessmen and are non healthcare professionals, are more than willing to opportunistically abuse the willingness of medical trainees (not just doctors, but nurses, midwives, etc.) to improve their training with minimal or no compensation, because this is what is tagged as “most profitable” or “minimal cost” for most companies in a business perspective. Others would argue that ”the time of the young doctors to earn and reap their rewards will come when they become consultants”, but I will ask: what if that time will never come? I think of all the medical trainees who valiantly suffered and died in the battlefield because of COVID-19 — their supposed promised reaping of reward, even hazard pay, never came.
However, I would like to point out that this issue does not concern ASMPH solely, but involves the partner institutions in which it is affiliated. Furthermore, this problem of labor exploitation is not exclusive to ASMPH’s partner institution (although I would argue that we feel it more since we technically receive nothing — MDs from St. Luke’s please help me out), but rampant in hospitals that belong to the Philippine Health Care system in general.
Note: I would have inserted exorbitant tuition fees here, but it would not have contributed that much significantly to the discussion since all non-state sponsored medical schools have more or less the same tuition fees. The only difference is that ASMPH still pays tuition during its Internship year (along with St. Luke’s), partly because of the Professors that still give lectures and examine case presentations, and for the Boards Review (hence the reason why Ateneans have their own exclusive section for the PLE Boards Review Season — which is honestly a big, big Pro)
MBA: Friend or Foe?
Most students from other universities would comment that the MBA component was added in the spirit of “profitability” and learning more refined ways on how to earn more — and was tagged and branded as counterintuitive to the nobility that a medical doctor is supposed to possess (I am looking at you, selected students from UP 🙃). However, I would like to clarify that the MBA was crafted in order for us future physicians to be adept in managing health systems and organizations, which would undeniably involve financial management (eg. how would you manage a hospital’s finances and allot budget to medical equipment?), strategic management (eg. given the COVID-19 situation, how will your outpatient clinic sustain operations in the next 5 months?), and marketing management (eg. given that everyone is scared to go outside their homes, how would you market your hospital to be safe from COVID-19?). In an ideal set-up, these concepts and exercises should guide the med student thoroughly on how to apply all of these in the medical setting.
The main con of the MBA program is that most of its professors (except for maybe two, because both are physicians and MBA holders) and subsequently, their classes, lack exposure in the Medical setting (i.e. Hospital Administration, OPD management, and Public Health Systems Management), and more often than not, most examples that they could provide involve fields other than medicine (eg. banking, economics, construction, advertising). I see this as a con mainly because despite having benefits of seeing how management works on a different lens (hence making you more interdisciplinary in a way), I think that practicing these concepts in the medical field at least in the classroom setting and learning these from someone who is equally adept in both medicine and management would enrich the knowledge and appreciation of how intertwined both of these fields are as a holder of a dual MD-MBA degree, and not a haphazardly constructed, disjointed one. Furthermore, there are concepts in MBA which makes sense in a corporate setting but might be unethical or unacceptable in the realm of Health (eg. sacrificing quality of health care access for patients in order to invest less assets and accumulate more profit). Therefore, it would be up to the student to apply these concepts on his/her own. Thankfully, students may have the opportunity to apply all of these concepts and skills once they make their Final Strategic Management Thesis Paper, because you may opt to select any field you like to study on. In my case, I was lucky to have gotten a hospital as my focus-subject, therefore I managed to learn about Hospital systems and management on top of the MBA concepts that I learned. Hopefully, with new batches of MD-MBAs that are being produced, this con could be changed by the school in due time.
A definite con during my time (which was thankfully changed, thanks to feedback!) was having MBA classes despite being from hospital duty (which meant no sleep but we still had to endure classes) — that was one of the most unproductive classes of my life and I never wanted to go through any of that ever again (I still passed the subject, but I really never gauged if I learned well).
Public Health: Lacking or Sufficient?
This section might be of great concern to those who are looking forward to exploring ASMPH as an arena for expanding their Public Health skills (hello, Health Sci majors!). At this point, I need to disclose that I was a Health Sciences Major myself who had a decent fluency in Public Health (Basic Epidemiology and Global Health) prior to entering ASMPH, and I know some classmates of mine back in college (especially those who took Health and Developmental Studies) who looked forward in going to ASMPH for more advanced public health courses, only to find themselves disappointed as they went through the curriculum. Some of them eventually quit and went on to pursue Masters in Epidemiology or in Global Health elsewhere. Hence, some students in undergrad might hear swirling hearsay that ASMPH ”lacks the Public Health component or aspect”. This is perhaps mainly due to the fact that most of the lessons and discourse on Public Health in ASMPH, at least when I experienced it, were quite on the basic level — a reiteration of the courses we already went through in college as HSc majors. To be fair to the school, these kinds of discourse and topics are not experienced or tackled by people with other Bachelor degrees (eg. BS Psychology, BS Biology, etc.), and hence a repeat of these courses in Med school is deemed necessary to even out the disparity of knowledge among its students. But it would be safe to say that as of this writing (since no announcements have been made yet anyway), ASMPH does NOT offer courses that cater to advanced branches of Public Health such as Advanced Epidemiology (which would involve crazy mathematics such as those being used in monitoring the COVID-19 pandemic), Global Health Surveillance, Global Health Politics, and etc. A query was made about this (hence an open forum), and the reason why this happened is because the school does not have the faculty or the experts to teach the said subjects (so far).
However, this does NOT mean that ASMPH discounts Public Health. The school’s curriculum still satisfies the minimum requirements of what a medical doctor needs to know regarding Public Health (eg. Basic Epidemiology and Statistics, Health Awareness and Communication), and the main thesis paper of ASMPH students during their second and third year has Public Health in its core. The school also established the ASMPH Public Health Council, which is an org that engages Public Health discourse in the school and invites lecturers and key experts to discuss socially relevant Public Health issues. The CEIP program, which is a specialized program designed for medical students interested in managing health in a community setting, was established in hopes of strengthening the Public Health core of the school. However, the need (or should I say, demand) for advanced branches of Public Health subjects still remains, and this is something that the school needs to work on.
Conclusion
So to sum it all up, ASMPH is more or less a good medical school with supportive admin and staff, ”No Atenean Left Behind” culture and conducive learning environment, and a rigorous training program for future medical doctors. Despite its non-compensatory internship and partly context-devoid and disjointed MD-MBA curriculum, its openness for improvement thanks to its working feedback mechanism and its ability to provide a holistic overview of private and public health sectors would definitely give a nice edge to its students and to the future batches of Atenean doctors to come.
With that, A M D G *mic drop\*
P.S. Comments, discussions, and queries are welcome in the Comments Section below. :)
submitted by B9C2AF25DD to ADMU [link] [comments]

Build to learn - tame your shiny object syndrome.

It sounds simple, yet, it's challenging.
"Build to learn."
It's a fantastic tool for chaotic minds.
A way to benefit from your shortcomings.
If you ever fell for the shiny object syndrome (chasing new cool thing, instead of focusing on the present project), then this is for you!
And the best part - you can turn it to your advantage!
Turn it to build momentum, to become a better, wiser, fuller person.

When you fell for the shiny, new, better idea, you could've gone through the guilt and growing anxiety for not finishing things.
For some of us, this could end up in depression oand quitting the whole "maker" realm.
In this post, I will provide you a valid solution to make the most out of the shiny object syndrome. If you have it, at least you can get something positive out of it.
The method, disguised under many names, sometimes called "build to learn," "build to fail," "ship to learn," is meant to make the most of your nature of jumping between the projects.
It's also a way for you to grow as a builder and founder.

I first started flirting with the idea independently - then, I found out that there is a micro-movement of sorts doing the same.
Two main places are hubs for this, New York and Silicon Valley. Only there you could try to hack success and look for possible anomalies to benefit from, and still get support from your social circles!
It's evident that financial capital (New York) is much less flexible about it (cross the border and you are gone) than Silicon Valley (cross the border, let's hire him, he might know something we don't).
And then, culture and social conveniences are limiting this movement elsewhere, causing people to quit.
Sadly - if you are from outside of those areas - how can you explain to people around that success is not your goal, and failure is acceptable?
It's easy to treat people trying this method like fakes or daydreamers.
When you go to college and spend 3-5 years learning, then you are a smart person.
If you do the same, but in real life, you might be seen as an outsider.

Let's get to the point, though!
The idea is quite simple but might be tricky to pull it off.
It's based on you abandoning the goal of achieving success while focusing on educational aspects.
To create projects that you will stretch and experiment to gain knowledge with a slight chance of success.
So next time you see great opportunity, instead of wondering how you can ride it to the top, wonder what you can get out of it short term.
Will it give you more knowledge?
If so, then how?
Is it worth "educational" wise?
Will you learn new tech/marketing/business knowledge that would be difficult to obtain otherwise?

The worst part of working on a project and then quitting it is to get nothing from it.
Sure, we can read a lot of post-mortems, but many say the same things. They ignore the whole process and often end up in a cliche, like "a startup doing exactly this opened at the same time."
And how can you learn from reading the same things over and over?
Going through the process while closely observing everything that happens is key to extensive experience.
Practical knowledge always beats the theoretical.

"Build to learn" is about being practical - using theory as a ground, and then build using practical knowledge.
But instead of building a castle, or a palace, we create a set of small constructions first to learn the basics.
Once we can handle the basics, we move to more advanced stuff.
Sooner or later, we will be building the mentioned castles!
If you think you might end up building dozens of projects in search of your success story, you might accept that instead of lying to yourself, and get the most of it.
There is nothing worst than wasting your talents on something meaningful.
Try to push forward; you might finally realize what your real goal is. What's behind your deepest intentions.

"Build to learn" is meant to fuel your creativity, not to kill it.
The first step of it is to put a clear goal:
"I build this to learn."
Assume that trophies and achievements are secondary goals.
After all, every major player like Mark Zuckerberg, Steve Jobs, or Richard Branson started with small projects (sometimes failing), then used the knowledge to build something big!

Force yourself to break your ego-infused box and look outside of it, to see what are real reasons for you to fail. Learn and keep trying to understand the events happening around you.
You might find out the shortcomings that were unnoticeable!

With this reasoning, don't be afraid to keep trying (as long as you won't bet everything on it). Fail, embrace the knowledge you get from it, grow your own self, and be a better person.
Don't fall in the trap of glorifying the failures though - praise the experience instead.
Don't build another shiny project to be the next unicorn company. When you are ready to make the next big thing, you'll know it (and feel it). There will be no guessing, no wondering (at least in the way you see now). There will be calculation and logic behind it.

"Experience is simply the name we give our mistakes." - Oscar Wilde.

World culture is critical of repeatable failure, even for a good cause.
Fail once - at least you tried, fail twice - you are a fool.
The social pressure is probably the most challenging part of this method.
If success (or at least how people perceive success) is not achieved, you will be labeled as an outsider or even a loser.
Missing a common goal (becoming wealthy) is perceived as an overall failure.
You cannot really translate the perception of failure to make it look normal.
You risk getting your close ones to be skeptical and even cynical of your journey. In extreme cases, I know situations where close circles would turn aggressive against the "rule breaker."
The more "failures" you "achieve," the more negative the overall attitude of the society around you will be.
It's not an easy road, but it's fruitful, to say the least.
You can achieve a level of understanding, where you will see ALL the mechanics behind the money-making machinery.

There are some risks when doing this method (as with everything).
Do it for not long enough, and you can get overconfident and biased.
Do it for longer than you should, and you will need months to get out from the trap of setting yourself impossible challenges.
Out of around dozens of people following this method (that I knew directly that is, I assume there are thousands globally), only a few completed it.
Some of them quit due to social pressure (even from their partners). They still got something out of it, and all but one run a small business now (they are unable to scale/grow though).
The rest created profitable companies, often one of the key players in their industry.
From the original group, I was the one that took the longest to complete the road. This is because of the opportunity given to me. My partner was studying, so I did not need to focus on sorting our life as of yet. And I felt that I needed to learn more (programming, viral growth) and to make sure that my ego is under control. I needed more time because my whole life was bumpy, and I thought that some scars could affect my business sense.
I did miss a deadline, though, where I could complete this process without the substantial side-effects.
I knew from conversations with others that by doing this method for too long, you would need to unwind. I thought it would take 2-3 months, but I am in my 9th month, and I feel that I need 2-3 more. Don't get me wrong, I still make money online, but focusing on a small project that's growing slowly is critical to prepare myself mentally for starting massive projects.
I am working on Almost Cake, which quickly turned into my full-time job.
Almost Cake is a reanimation of one of my old build-to-learn projects that performed well. This is another excellent part of this method - you have a set of field-tested projects, where some might prove to be moneymakers when you decide to come back to them.

It took me a few years, and over 30 projects completed to get where I am now, but as said, I did the extreme version of it.
One of the guys that now run a massive operation did 4 "build to learn" projects and spent 1,5 year before he moved ahead (he had some business background though).
Another person with no business experience and with no business-oriented parents completed it with 7 projects and 3 years. He now runs a company that's one of the USA's leading players in his niche.
So, it's hard to say how long you need this run, but the timeframe should not be of the importance here.
The whole point of this method is to tame yourself and start getting somewhere with yourself.

The key concerns of "build to learn" are:
-Can you finish the project before you get bored of it? Don't invest in long term projects, when you have a track of abandoning them. You don't need to ship the product or make thousands of dollars. Focus on your initial goals first.
-Can you determine small goals before starting to work on the product? Can you identify a few realistic things you want to get out of this project?
-Will working on this project help you to move forward in a space you want to? If you will learn things you don't feel you need, then maybe it's better to focus elsewhere for now.
-Do you really need to work on the project, or should you turn around and do something completely different? Something that is far beyond your comfort zone?
-Do you have significant chances of achieving your goals with this project? Try not to pursue goals that you assume you will fail. You need to take care of your mental health and not put to much strain on it.

Using the "build to learn" method should not become an excuse for you failing to ship. Either you build to learn, or you build to achieve something. You should never go in the middle of the project and say, "just kidding, I was doing it to learn."

Sure, if you are already in the middle of the project, then change your goals. But don't do this for future projects. Otherwise, you might lose the ability to ship ever. You will always be hiding behind the "it was just a project" excuse.

So here is an example of goals I would set for myself when working on a project:
-learn about the branding niche
-create a solution that relies heavily on JavaScript (whenever possible)
-build a simple theme from a scratch
-research affiliate programs for monetization, learn more about making money as an affiliate
-try to get your first conversion

And that's that. I will follow achievable goals, focus on growth, and learn. All the goals are somewhat easy to achieve so that I won't get stuck somewhere.
Once I get through those goals, I can either continue with the project or scrap it for another shiny object without feeling guilty.
And down the road, I will get to the moment when I will say "enough" and build something great.

I hope this can help people that are jumping projects often and cannot settle. I managed to settle on Almost Cake, which is a transition project (for the next few months until I will start slowly working on something big). I encourage everyone having difficulty sticking to one thing to start writing a list of small goals whenever starting a new project. Good luck!
submitted by bartboch to Entrepreneur [link] [comments]

College Results of an Asian Shotgunner in Biz+CS

Background:
Asian Male Cali (rip)
Stats:
Act: 36 (36M/36E/3635S)
Sat Subject Tests: Math 2(800) Physics(800)
GPA: 3.93(UW) and 4.4(W)
AP Exams: 14 (Including this year) Mostly 5s
ECS:
Marketing Operations Company Director
BoFA Leaders Internship Program
Successful Affiliate Marketing Business
Business Efficiency Implementation Int’l Research Publication through University (redacted) and Presented at Conference
Mid-Scale Successful Watch Business (High 5-figure with manufacturing comp in China)
Part-time VP of Summer Boarding Institute
Founder of Non-Profit Org in collaboration with UNICEF to fight water scarcity in Somalia
Class President (2y)
National Business Dev. Qualifier (X1)
School Board Member
Varsity Tennis
Team Startup Pitch - Home Water Conservation Device (Fail)
Other basic stuff
Essays: CA: (8/10) Supps(7-8/10)
Business Administration Major (Finance) most schools with Business School and CS some
RECS: First one (8/10) Second (7-8/10) Supp Rec: 9/10
Schools I Applied To:
Reaches:
UPenn (M&T) Wharton (ED) Deferred — Waitlist
Harvard : Reject
Yale: Reject
Brown: Waitlist
Cornell Dyson: Waitlist
Carnegie Mellon: Accepted
NYU Stern: Accepted
Dartmouth: Waitlist
Duke: Waitlist
Stanford: Reject
UChicago (EA): Deferred — Waitlist
MIT (EA) Deferred — Reject
Targets/Semi-Reaches:
UC Berkeley: Accepted
UCLA: Accepted
GTech: Defer — Accepted
Safeties:
UCSB: Accepted
UCSD: Accepted
UCI: Accepted
UCD: Accepted
Hofstra: Accepted
Will be attending Carnegie Mellon in the fall, one of my top choices! My takeaway: For people aiming to get into a few of their reaches, the shotgun method can work well as I was beyond ecstatic to have been accepted to a couple of my reach schools. Also, I was unfortunate with the amount of waitlists loll.
Stats only matter so much. Who you are and what you have to offer to a campus is what truly matters. Use your essays to show that, and don’t do extracurriculars for the sake of having better ones. Pursue every activity because you have a passion for it, not to impress some AOs.
The truth is if you are an ORM, you are already at a disadvantage, so make sure you craft solid essays. And at the end of the day, it all comes down to luck if you have a solid profile. No one can guarantee admission into any school. And piece of advice for underclassmen: don’t be cocky when it comes to college admissions. Instead, expect the worst and hope for the best.
Good Luck.
submitted by throwawayresults to collegeresults [link] [comments]

Why Has Riot Decided To Stop Grassroots High School Competition?

On March 9, 2020 Riot Games announced new guidelines on its Community Competition Guidelines. Basically, how independent companies and groups can organize and host tournaments for League of Legends. Among other guidelines changed were new guidelines on how organizations can run tournaments specifically targeted at the university and high school levels.
I am the tournament director for one of the longest running high school tournaments in the midwest for League. Myself and the organization that I work for made it our goal 4 years ago to make esports as easy to transition from the high school level to the collegiate level as it is for traditional sports, and to begin down that path we looked to start with League: the number one, most played esport around the world. We've given hundreds of thousands in scholarship money to the top performing teams of our competition and have done so with no cost to enter for the schools. At the end of the day the only thing they pay for is their transportation to our live event where the top 16 teams play for the top prizes. Last year we had nearly 64 teams from Michigan, Illinois, Indiana, and Ohio compete in a 3 month long season, with the best the midwest has to offer. One of our finalist teams this past year featured a top 50 rank challenger player who just won the title as the Best Yasuo 1v1 player at this years Last Breath Invitational beating out the likes of Voyboy and Yassuo. This has been an incredible experience for not only my team of tournament officials, but also for all of the high school athletes that have competed in our tournament over the last four years, some of whom have been actively recruited to different colleges in the area based on their performance in this competition.
This was looking to be a great opportunity for the continued growth of midwest esports athletes until Riot Games updated their guidelines. As of yesterday (when this post was made) the following rules, among others, were added for tournaments that are specifically targeted towards High Schools and Universities:
  1. Competitions must start and finish within 14 days.
  2. No more than 16 schools may participate in a given Competition
  3. Competitions may not be sponsored or sanctioned by an esports governing body.
  4. The name of your event cannot use the following words: Varsity, Season, Championship, Post-Season, League, or Playoffs.
Needless to say my organization currently does all of the following except we are not sanctioned by any governing body instead using the rules laid out by Riot Games in their official tournament rules released in 2015.
Now it is my knowledge that Riot Games has recently entered into a partnership deal with PlayVS, an esports competition platform that is trying to market itself nation wide as the Official Platform and League for High School and College Esports. The cost for participation is $64/player including any subs; making the barrier of entry for high schools that don't have the full support of their school board that much more difficult. As of writing this post, PlayVS currently only services 14 states (Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Georgia, Hawaii, Kentucky, Massachusetts, Mississippi, Rhode Island, and Virginia) with a championship. These are the only states that entered into a deal to use PlayVS to support all of their high school competitions. Reading you may notice that not a single of my midwestern states are listed here.
This decision to cut out the grassroots organizations and competitions leaves many of my competitors without an official competition to look forward to each year, a competition to excite more high schools to offer esports as an official program/club of the school, a competition to allow the students to market themselves to the ever increasing competitiveness of making a collegiate team and playing competitively at the next level.
I cannot understand why Riot would make this decision when not even a third of the nation is on board with this.

TL;DR Riot has made new competition guidelines that make it near impossible for organizations to operate a tournament for high school athletes. The only option remaining for these students is to utilize a model that is recognized in only 14 states that does not offer a championship for those states not officially affiliated with them.

EDIT: I understand that community tournaments have been exploited in the past, so I am completely understanding of the change to those rules. These are specifically rules that are directed at High School and Collegiate tournaments.
Under these guidelines there is a section that specifically calls out these competitions: https://developer.riotgames.com/policies/na-tournaments
submitted by gamepro887 to leagueoflegends [link] [comments]

MY STORY (this will inspire aspiring entrepreneurs)

Hey guys,
I want to tell you guys about my story so that you guys keep pushing and going towards your goals and never give up. I'm not advertising or selling anything, I'm remaining anonymous, I just hope that someone finds something in this story for help and inspiration.
Anyway, I'm 34 now, I'm not from a rich family, I'm actually from an immigrant family, and I grew up in a pretty modest household.
I was messing around most of my youth. My parents sent me to a community college to study Engineering, and I wasn't studying very well. I was lazy, not really motivated, so anyway I had a pretty shitty GPA and 2 years later I ended up dropping out, it was an awful period of my life, but anyway... A bit later, a friend of mine got me a job at sea (like on the actual ship as an able-bodied sailor kind of thing). So I was working there up until I turned 27.
That sounds kind of dumb, I know, but it did bring the money to the table, and I would spend around 1 month in the US and then about 5-6 months at sea... Anyway, at the age of 27, I got really sick and tired of that life and I quit. I had absolutely no idea what to do and what goals to pursue.
I joined a local manufacturing company as a tech support person. That was my first office job.
Simultaneously, I kind of started considering going back to school, but 4-5 years seemed daunting. I decided to go to a so-called full-stack web development bootcamp, it's kind of like an accelerated program that teached you how to code within like 3-6 months. Found myself pretty good at it, I was enjoying it.
In contrast with most of my fellow student at the bootcamp, I had landed my first coding job even before I graduated that bootcamp, which was a major accomplishment for me. The company did like affiliate marketing/lead gen software, so I learned a lot about the industry and my skills increased.
Fast forward 2 years, I landed a new job, already almost as a senior developer. That was funny, because I was just a regular sailor some 3-4 years ago at that point. I never told anyone about it for some reason. I mean I never told colleagues. This next company also was doing similar kind of software... I learned a lot about the industry, and then after 1 year of working there, I decided to start building my own little app in my own time (while working for a company).
It took me around 1 month to finish a functional first version of the app, and then I started marketing it relentlessly. What I was using was cold email, cold calling, I ran a PPC campaign, I created a wordpress website to educate consumers about this little app, so I did literally all fronts.
At that stage, my life was pretty crazy, I would get like 4 hours of sleep per day or even less. That was very crazy.
BUT I DID FIND MY FIRST CLIENT AFTER ABOUT 3 WEEKS OF DOING ALL THIS.
I WAS SO GOD DAMN HAPPY! LITERALLY SOMEONE WOULD PAY A MONTHLY FEE FOR A LITTLE WEB APP BUILD BY A SAILOR PRETTY MUCH.
That however made me believe, I REALLY CAN DO IT. Anybody could. So I kept on doing that, just keeping on selling that first version and working my job simultaneously for about 4 months.
At that stage I had 9 paying clients, I had enough to just quit the job and focus on the business 100%.
So I kept running like crazy, advertising, tweaking code, maintaining instances of clients (like their directories on the server pretty much), again sleeping like 4 hours per day after quitting the job.
At that point, I understood that I can't just keep doing it alone... There's just no time. You can't NOT SLEEP at all. it's just impossible. So I hired 3 people at once and rented out some small office space...
That somehow. I don't know how, maybe because the people who I hired were BETTER THAN ME, I have no idea, but from that point on, our growth was crazy. My hired programmer said my code was absolutely terrible, he refactored it and made it nice, and added features, and the marketing person did marketing so much better than I did...
Now, this thing is still very much alive... We've been in business for over 4 years now... We have 1/2 of a floor of an office building in downtown LA now, it's like literally renting out like half of the floor, and it's absolutely insane. I do however know what made it happen. I kind of thought about it, because I know a lot of people just can't do it. I did it the first time I tried.... Let me share the points that I believe were the game changed.
  1. I JUST WOULDN'T STOP. LIKE IF THERE IS NO RESULT DAY AFTER DAY, I JUST TENACIOUSLY KEEP DOING THIS THING LIKE A GOD DAMNED RABBIT, OVER AND OVER AGAIN, CALLING AND EMAILING, AND JUST LIKE BEING SO EXCITED THAT I COULDN'T EVEN SLEEP EVEN THOUGH I WAS SLEEP DEPRIVED
  2. I JUST WOULDN'T GIVE UP, LIKE FOR SOME REASON, NO MATTER WHAT, NO MATTER HOW BAD IT IS, I JUST DID NOT GIVE UP, I DIDN't SAY 'NO IT'S NOT GONNA WORK, I JUST KEPT GOING UP AND UP AND UP', LIKE I WAS ALMOST IRRATIONAL
  3. HIGH ENERGY LEVEL, I LITERALLY DID LIKE 4 HOUR OF SLEEP, AND TO BE HONEST WITH YOU I STILL DON'T GET MORE THAN 6 HOURS OF SLEEP, AND I NEVER HAVE A DAY OFF, I NEVER EVER HAVE LIKE A COMPLETE DAY OFF LIKE EVER
So my advise just set a goal, and just say to yourself: I WON'T STOP, NO MATTER WHAT, I WILL JUST KEEP PUSHING LIKE A GOD DAMNED BULL, WHETHER ITS REJECTION, WHETHER YOU THINK WHAT YOU'RE DOING DOES NOT MAKE SENSE, JUST KEEP DOING IT, JUST DO IT EVEN CRAZIER AND HARDER... AND I Believe you will pull it off
submitted by robinJersey12 to business [link] [comments]

UAH saved, but now what? (A hypothetical extreme realignment scenario)

As noted in the press release resurrecting #STANHORSIES from the grave, one of the conditions for the program continuing beyond the 2020-21 season is the fact that UAH needs to find a conference for 2021 and beyond. The issue being that as the status quo currently stands, that's very unlikely to happen. And at the same time, you have the Alaskas in the same situation, while new program LIU also needs a home. (And ASU too, for the sake of completeness). So, here's one radical possible lineup, assuming the NCAA could simply dictate conference alignments somehow. For these purposes, let's assume no new programs are added beyond those reported to actively be considering DI membership (Navy, St Thomas, Illinois):
East
Conference Teams
Atlantic Hockey UAH AIC BEN CAN HC MERCY NIA
ECAC BRO CLARK C'GATE COR DARTY HAR PRINY QU RPI SLU UNION YALE
Hockey East BU BC UCONN UMO UMASS UML UNH NU PC UVM
Northeast Conference ARMY LIU MC NAVY RMU RIT SHU
West
Foo Bar
Big Ten UI MICH MSU MINN PSU OSU UW
CCHA BEM FER LSSU MTU MNST NMU UST
NCHC BGSU MIAMI UMD UNO UND ND SCSU WMU
WCHA AFA UAF UAA ASU CC DU
Changes:
Now, the various leagues and the new members could probably live with these changes:
So, it coulllllld work. But is any of this realistic? I mean, maybe the NEC deciding they want to do hockey and taking the better AHA teams with them is a distinct possibility. But overall, not really.
And that's essentially the point here. Because there is no mechanism to force a team to join a particular conference (outside of a team's all sports conference suddenly sponsoring the sport; and even then, usually everyone involved is onboard with such an outcome since the conferences are the schools). And there's no real incentive for Merrimack to depart Hockey East voluntarily, or for Notre Dame to leave the Big Ten (at least, not at present), or especially for DU or CC to leave the NCHC for an objectively weaker league, even if it is geographically better. It's the same reason Western and Miami don't leave the NCHC, Miami's coach's complaints aside. And while BGSU isn't the worst possible add the NCHC could make, there's no pressing reason to add them over someone else either. And while Air Force and Army/Navy are not tied at the hip to the degree most people assume, Air Force also isn't going to separate from the other academies for a league that's not an improvement over the current Atlantic Hockey.
The issue boils down to this: a radical realignment like this isn't going to happen. Nor is it going to be the case that UAH will get into a conference given the current status quo. Essentially, that leaves two options:
1) The first is that the WCHA manages to add 3 additional members. Assuming none of these are St Thomas or Arizona State (and there's not really any reason to assume either would be interested in the current WCHA), that will require 3 additional programs to suddenly pop up. The main issue being that this still doesn't solve the issue imposed by having to travel to Alaska x2 on the budget. Even with travel subsidies (which may be at risk due to chronic funding issues in the Final Frontier), that's money that can go towards improving the program's foundation.
2) The second is that a bunch of Southern programs suddenly add hockey, enough to sustain a new Southern hockey conference. This seems to be even less likely to occur, at least in time to rescue UAH. For starters, this essentially requires 5 new programs instead of "only" 3. The obvious issue with both of these being that ADs are in the process of cutting sports due to funding issues introduced by the pandemic. With hockey being one of the most expensive sports out there, no one is going to add the sport without a massive donation specifically for hockey.
But then, that last part is true even under the best of circumstances. And while the Chargers have been the standard bearer for Southern college hockey for decades, no one else has made serious moves to add the sport. High Point included it as part of their long term planning recently, but who knows how the pandemic changes that. And that's still only one institution. And the whole "Georgia is building a 5500 seat rink for their hockey team" thing has been massively overblown; it is a 5500 seat multipurpose venue being built/renovated by the city of Athens. While it is capable of hosting the Ice Dawgs, it is not being primarily built with the hockey team in mind, nor has anyone to date stepped up to make the necessary investment to elevate UGA hockey to varsity. Their big money donors are for the most part focused on the football team's success. Such an arena makes it easier to make the jump later, but there's no indication that they're even giving it serious consideration yet. (Also consider that the SECHC is an ACHA Division 3 league, meaning that even the club team is essentially being treated with the minimum possible investment).
So in terms of Southern teams, that leaves Liberty, who almost certainly won't elevate without a conference already in place, and no current league will take them. (I doubt even the remaining WCHA schools are that desperate, since travel from Alaska to Virginia is even more expensive than the current state of affairs. And for that matter, Liberty probably sees the Alaskas as beneath them given their attitude towards just about everything else). And Lindenwood could charitably be classified as "Southern", but a) they're suffering from funding issues and b) there's apparently sufficient ambiguity in NCAA bylaws that may prevent them from playing up, as has nixed other attempts by DII institutions to field teams recently (Minnesota-Moorehead, Simon Fraser for instance were told that DII teams cannot play up without joining DI fully, even though the bylaws also clearly state that DII teams can compete as DI teams in sports without a DII championship).
So the simple fact of the matter is that while there is clearly community support for UAH hockey, we may very well be looking at their swan song this upcoming season barring an insane investment in college hockey teams in the wake of the financial issues caused by COVID-19 related shutdowns, because it seems highly unlikely that they will be able to resolve the conference situation by the imposed deadline. To say nothing of the 5 year funding plan.
submitted by jdchambo to collegehockey [link] [comments]

HiPigdom's Guide to Free College at OSU

Due to an increased amount of incoming freshman/transfer students on this subreddit, paired with the large amount of people suddenly sponsoring the OSU COAM office, I decided to do an updated post on Credit by Exam at Ohio State.

The Biggest Part of this Update: You can take classes for Free*

\Technically)


Credit by Exam


What is Credit by Exam?

Good question. After speaking with multiple departments at The Ohio State UniversityTM who say they offer credit by exam, your guess is as good as theirs.

Official OSU Credit by Exam Website

Credit by Exam is a way to shorten your time to a degree and make college cheaper. If done properly, you can potentially test out of about one to three semesters of college - For Free, or for a small fee. There are multiple companies that offer tests, and each test has a different price. There is also a non-profit called The Modern States that will pay for Advanced Placement (AP) and College Level Examination Program (CLEP) tests. Because most people know about Advanced Placement testing, I won't be talking about that here. The tests I will talk about most are College Level Examination Program (CLEP), EM Tests, and Departmental Exams. I will also briefly mention DANTES Subject Standardized Tests (DSST), although these are fairly meaningless at OSU.



CLEP Tests


Fun Fact: Of the 43 credit hours I completed my freshman year, 13 were CLEP credits.

CLEP's Website

Ohio State's CLEP Policy. Notice that you can test out of MATH 1151

Pricing:
$89 for the test, plus $30 for The Ohio State UniversityTM "Administrative Fee"
Discounts:
Military Affiliated Testers (Active, Guard, Reserve, AF/N/ROTC with CAC): Free
Ohio Military Reserve Testers: No Administrative Fee
Modern States Students: Free CLEP test, Administrative Fee will be Reimbursed

CLEP's are a multiple choice test and were created by The College Board. That's right, same people who did your AP tests in high school. Unlike the AP test, CLEP's are fairly easy. If you got a B in the high school course related to the CLEP test, you have a very good shot at passing. These tests are some of the easiest tests you can take in your college career.
If you get a bad math placement at OSU, I would highly recommend taking the CLEP. When speaking to the testing center (don't quote me on this, its been a few months), I believe they said only 5% of people who retake the OSU placement test get a higher math class, compared to around 40-50% with the CLEP.
Each test is multiple choice, with some "fill in the number" for math tests such as calculus. Depending on the test, question count can range from roughly 40 to 150 questions, with 90-120 minutes to complete. In reality, it will probably take you much less time than that. Math is one of my worst subjects, so I used almost the full time for those tests (I also should've studied MUCH more) For other tests, I was in and out in 20 minutes with 3 credit hours tacked onto my college transcript.
To pay for the test, there are two separate bills, one to The College Board, and one to The Ohio State University. The College Board charges $89 to take the test, and Ohio State charges $30 because they need to siphon off more money from broke college students pay for the maintenance and upkeep of the testing center.
Your raw test score is converted to a score ranging from 20-80 (Similar to the ACT, but not quite), with a 50 being the equivalent to a C. Due to Ohio State policy, sometimes C's don't get degrees (or in this case college credit). If you look at the Scores and Credit Awarded, you will see that some tests (like calculus) require higher scores. A 64 is the equivalent to a B. I'm not a fan of being required to do better when I don't want to, but what I say doesn't matter. DO NOT COMPLAIN TO THE TESTING CENTER ABOUT THIS. They are simply the messenger. Each individual department sets their own requirements. If you want the credit for a math test, contact the math department. When they say no, then you can get upset. The Scores and Credit Awarded page is outdated. If you notice, many things say "Ohio Transfer Module XXXXX". Whenever I have taken one of these tests, I have been awarded actual credit for a course available at Ohio State. Also, some tests will yield more credit. For biology, they actually awarded me credit for BIO 1101, plus the lab. I'm not sure if this was an error on their end or what, but I'm not complaining or telling anyone official about it. I will gladly take a free lab credit. I can tell you some of the classes you might get credit for, simply because I have taken the test and gotten credit for it. Don't be surprised if I don't know the answer. Although I have probably spent over 48 hours in the testing center over the course of my freshman year, I don't work there. Despite my relative lack of a social life, I still would rather be outside with friends than taking every test in the book to make an all inclusive Reddit post.
CLEP Power Move:Many courses at Ohio State have pre-requisites or requirements to be in a certain college/standing before you can enroll in them. I'm looking at you Fisher. CLEP Tests are a great means to bypass rules set in place by Ohio State. For instance, you can take BUSFIN 3500 and BUSML 3250 via CLEP, even if you aren't admitted into Fisher.
Notes:
Failing a CLEP Test will not hurt your GPA or negatively affect you in any way, aside from losing an hour of your life and mildly lowering your self esteem.
Doing poorly on a CLEP Test will not hurt your GPA
Passing a CLEP Test will not affect your GPA
If I haven't made it clear already :

CLEP TESTS DO NOT AFFECT YOUR GPA

Passing a CLEP Will:
Give you credit for the class
Allow you to enroll in any class that had the CLEPed course as a pre-requisite
Free up time in college so you can do other things
Give you the satisfaction only passing a CLEP Test can give

If you fail a CLEP Test, you can always pay to retake it. You can also try your luck at the EM or Departmental version of the test, but these are usually much harder.

Note: CLEP's DO NOT have to be taken at Ohio State. There are many locations across the country where you can test at. Additionally, for military affiliates, almost every military base (active, guard, and reserve) has a testing center.



EM Tests

Fun Fact: There is nothing fun about the MATH EM Tests

Ohio State EM Test Page

Pricing:
$60
Discounts:
Military Affiliated Testers (Active, Guard, Reserve, AF/N/ROTC with CAC): Free
Ohio Military Reserves: Free

EM Tests are basically The Ohio State University equivalent to CLEP Tests. EM stands for Examination. Regardless of the test you take, whether CLEP, EM, Departmental, or DSST, the "Grade" will show up as "EM". There is a "Test Results" Section on your Advising report that will specify which test you passed in order to get that EM credit.
Because Ohio State creates their own EM tests, each test is likely to be riddled with typos and extra difficult for no reason unique and academically rigorous. If you study, you will probably be fine. If you took a similar course at another institution and it didn't transfer in, I would recommend taking the EM test if a CLEP is not offered.
Just like life, you only get one shot at an EM Test- don't mess it up. Some EM Tests simply multiple choice tests on Carmen. I actually helped the testing center fix some major security flaws with their system in regards to this. Others are pen (or pencil) and paper tests. I would really only recommend taking the EM Test if there is not a CLEP Test offered and you really need the credit.
Some tests provide formula sheets, such as physics and chemistry. These can be requested ahead of time, and the testing center usually has extra copies on hand. If you want, walk in, ask for a sheet, and leave with it.
Some tests require approval from the department/course instructor. For instance, the chemistry department requires students to email the Department of Chemistry and Biochemistry in order to take the test. When I asked them, they said each student needs at least one completed college chemistry lab before they will approve any test taker.
Just like CLEP Tests, EM Tests have no affect on GPA. You simply get credit for completing the course.



Departmental Exams

Fun comments:

"I've been teaching ENR 2100 for 12 years now and you are the first person to make this request so its very rare."- Professor Brian Lower

"What?"- Fisher College of Business

"What are you talking about test?" -College of Education and Human Ecology

"It has been a few years since anyone has requested this so the test will need to be reviewed by the course coordinator"-Random Point of Contact for BUSMGT 2320

"....."-Nearly every other department.

Ohio State Departmental Exams

Pricing:
$60
Discounts:
Military Affiliated Testers (Active, Guard, Reserve, AF/N/ROTC with CAC): Free
Ohio Military Reserves: Free

Departmental Exams are very similar to EM Tests, except they require more (or maybe less) running and bus catching than EM Tests. Each test is done at the college/department, rather than at the Ohio State Testing Center. Many departments will have zero clue what you are talking about if you contact them in regards to this test. While I would say 75% of people I contacted responded with some type of answer, I also got departments who never called me back or called me back and made it clear they were pissed off about me calling them about it.
Absolute Power Move: Each departmental exam is usually either a generic final for the course or is the same final the professor would normally give out. I would recommend taking the test, regardless of how well you think you will do on it. Even if you fail the Departmental Exam, you now know exactly what you need to study for the final before the course has even started.

Easter Egg Generator

The Ohio State Testing Center does not display all Departmental Exams on their site. This isn't their fault, these departments don't communicate with them. These tests are very rarely taken, and most departments forget they even claimed to offer them. To find a test, search for a class on the website above. I've sent emails to various departments with a screenshot of the class and the description saying that it is available for EM credit and usually the department will honor that. It never hurts to contact a department and ask about these tests.
Notes:
You only get one shot at Departmental Exams, there are no retakes.
Like with all other tests on this list. Departmental Exams do not affect GPA and there is no negatives to failing the test, aside from lowered self esteem, wasted time, and potentially wasted money.

DSST

Fun Fact: Unless you are getting a degree in the military, these tests seem pointless.

DSST Site

Ohio State DSST Policy

Pricing:
$85 for the test, plus $30 for The Ohio State UniversityTM "Administrative Fee"
Discounts:
Military Affiliated Testers (Active, Guard, Reserve, AF/N/ROTC with CAC): Free
Ohio Military Reserves: No Administrative Fee

I have yet to take a DSST. If I'm being honest, I probably never will. I'm only putting this on here because someone may want to take one, or need to take one to complete their CCAF (if you don't know what that is, you don't need to know).

Notes:
Ohio State only awards credit for three DSST exams
Passing or failing will not affect GPA
If you fail, you can always pay to retake the test or test out in another way.




The Modern States

A god among mortals

Modern States Website

Pricing:
Everyone: Free
Discounts:
Did you not see the pricing?

If you are still reading this, you might just end up taking one of these tests. Thanks to u/dashofsalt72 making a comment on my last post, I've learned about a non-profit called The Modern States. Their goal is to make the first year of college free for everyone, and they are doing that in an amazing way. Here are the highlights:
Free online classes
Free CLEP Vouchers
Administrative Fee Reimbursement at testing centers
There has to be a catch, right?
Kind of. You have to be willing to put in some work and actually study for the test. The Modern States courses can take anywhere between a few hours and 40+ hours to complete depending on the class. You must also pass their own in house exam before they will give you a CLEP Test voucher. The in house exam is to gauge your preparedness for the CLEP Test, it in itself does not award any college credit. I am currently taking the Calculus 1, Business Law, and Business Marketing classes on the Modern States site. So far, I can't see any downside to this program. It isn't the most mobile friendly. They have an app, but it's rough around the edges. You get what you pay for I guess. I will never complain if someone else is willing to pay for my college.

TL;DR

Tests are cheap, sometimes even free. College is expensive. Taking these tests can help you graduate early, free up time during hectic semesters, and/or allow you to get a minor more easily. Not being required to take a stressful (or boring class) is a great feeling. There are also some power moves. Knowing what's on the final for a course, or bypassing Ohio State's pointless and frustrating way they attempt to limit education pre-requisite and college admissions policies is a wonderful thing.
The more people that utilize services such as CLEP, EM, and Departmental Exams, the better. One or two students taking a test here or there won't bring about any major changes. But if Ohio State suddenly sees that these tests are becoming "a new norm" in regards to The College Experience, they may just begin increasing the number of courses that can be tested out of. Kent State University has a massive list of what I think is 100+ courses that students can test out of. I don't know what Ohio State's is, but I know it isn't that. I would love to see every "easy A" or general education course have an option to be tested out of.
Don't look at these tests as potentially losing $60, look at them as potentially saving thousands.

For more information, feel free to PM me or type your question down below. I have taken almost every CLEP test there is. If you are reading this in fall 2020, and COVID-19 hasn't ruined the fall semester, I will likely have taken about a dozen Departmental Exams as well. I would be more than happy to help you with what I know. The sooner you take these tests, the more time and money you can save.
For more information, PM me . I have taken nearly every CLEP test there is, and I am starting to take EM Tests/Departmental Tests now. I'd be more than happy to help you with what I know. I have been able to test out of over a full semester of college, saving thousands of dollars. Had I done this sooner, I probably could've tested out of over two, maybe even three. The sooner you take these tests, the better. Just be sure to study.
submitted by HiPigdom to OSU [link] [comments]

The ladders of wealth creation: a step-by-step roadmap to building wealth

This summer I wrote a post on growing my software company to $15M ARR (reddit thread) that you all seemed to enjoy. So I thought I'd share my latest writing.
Back when I did web design people would often pitch me an idea for a business that would be "Uber for X" or "Facebook, but for Y" and I always struggled to explain how what they chose was an insanely difficult business and all the skills they would need to learn in the process.
This article is my first draft of an attempt to lay out the roadmap to building wealth and the pitfalls and principles you'll encounter along the way.
I'd love to hear what you think in the comments!
------------
In college I first heard Jason Fried from Basecamp talk about how making money is a skill—like playing the drums or piano—that you can get better at over time. That resonated with me immediately. I wouldn’t expect to be able to sit down at a piano for the first time and immediately play a concerto.
We could outline the progression to mastering a musical instrument, so we should also be able to do the same with earning a living.
What lessons do you need to learn to go from odd jobs around the neighborhood to owning a real estate empire? From working as a freelancer to selling your own digital products? What about from working at Wendy’s to owning a SaaS company earning over $1 million per month? That last one is my own path.
There’s a reliable progression that anyone can take to earn more and build wealth. In fact, I like to think of it as a series of ladders side by side. Each one can climb to different heights in both the quality of business and potential earnings.
-------------------------
Ladders of Wealth Creation Diagram
(this is important and explains the concept visually)
-------------------------
In this model the potential earnings increase the higher up each ladder you climb. They also increase as you move left to right to more advanced ladders. But the difficulty increases with each move as well.
Each step requires that you learn new skills to overcome those new challenges. Let’s break down a few of those skills and opportunities at each stage:

TIME FOR MONEY

Our first ladder is trading time for money. This is how most people you know earn a living. It may start with an hourly job working for Starbucks, but then transition into a salaried position working at a company.
At the most basic level you need the skills of:
Every job, even the most entry level, require those three things.
Then in order to take the next step up the ladder you will need to specialize in certain skills (design, copywriting, legal, becoming a nurse, etc) to gain a salaried position.

YOUR OWN SERVICE BUSINESS

If you choose to make the jump to the next ladder of running your own services business there’s an entirely new set of skills you need to learn that build on the last step. Things like:
Looking back there are so many things that seem easy and intuitive now (such as filing for an LLC with the Secretary of State) that were daunting to me at the time.
This is also where many business owners expand beyond their ability and start to lose the lessons they should have mastered from the previous ladder like being reliable and showing up consistently. Which is how a friend of mine with no plumbing experience bought a small plumbing company and doubled revenue in the first year with two simple changes:
  1. Following up with customers
  2. Doing what he said he was going to do
As business owners we underestimate just how much there is to learn so we get overwhelmed and start dropping the ball on the basics.

PRODUCTIZED SERVICES

Up until now each sale has been made by talking to customers or an employer directly in person or over the phone or email. But to truly reach new levels of income you need to learn a different lesson: how to sell without ever talking to the customer.
Our goal is to scale sales to new levels. That means removing every possible bottleneck. On the productized service we’ll remove the sales bottleneck, then on the next ladder we’ll remove the product delivery bottleneck.
A productized service is when we take a set offering (e.g. search engine consulting) and bundle it up as a set offering with a fixed price (an SEO site audit for $1,000).
A few examples include:
Because the project scope and price are fixed the service provider will make more on some projects than others, but the profits will average out.
On this ladder we need to learn:
If you choose to move further up this ladder you can add recurring revenue and employees to scale further and add predictability. For example, my brother-in-law Daniel used to edit any video for $30 per hour, but now he’s launched a recurring productized service to edit up to four vlog episodes per month for $1,000.
First he answered the question, “how many hours will this take?” by moving from hourly to a fixed per video cost. Then he clarified exactly who it is for by specifying vlogs, rather than just any video. And finally he made it recurring by moving to a monthly price, rather than a per video price.
Now he has a predictable income stream from a handful of clients and a waiting list for those who want to sign up when he has more availability.

SELLING PRODUCTS

A productized service works to remove the manual work from making the sale and selling a full product continues that trend by also removing the manual work from delivering the product.
Physical products fall into two categories: handmade and manufactured.
A product takes far more work to create up front, but then each individual sale and the fulfillment of that sale happens without much (or any) additional effort from the business owner.
Examples include:
At this stage there are an entirely new set of skills you have to learn in order to sell products in bulk:
That’s just a few of dozens of skills you’ll need. With that intro to the ladders of wealth covered, let’s turn to principles that will help you navigate this new concept.

8 principles to grow your wealth and income over time

  1. Extra time and money need to be reinvested
  2. You can skip ahead, but you still have to learn the lessons from each step
  3. Apply your existing skills in a new way to build wealth
  4. There’s a difference between working for a better wage and truly building wealth
  5. Using an earlier rung on the ladder to fund the next one
  6. Moving between ladders often means a decrease in income
  7. Each step is easier with an audience
  8. It takes longer than you think, but the results can be incredible

1. EXTRA TIME AND MONEY NEED TO BE REINVESTED

On a recent trip to Seattle I talked to my Uber driver between SeaTac and downtown Seattle. The conversation ranged from travel, our favorite islands in Hawaii, his love for music and gadgets, what he does for work, and why he’s driving for Uber on the side.
He has a solid career working downtown for the City of Seattle and Uber allows him to earn a little extra on the side driving a couple mornings a week. It’s fantastic that services like Airbnb and Uber allow those on with a set salary to earn more on the side.
So what was he spending this extra money on? Well, he loves gadgets and wants two things:
  1. To replace a broken speaker in his home theatre system.
  2. To buy a DJI Mavic drone.
Those are both super fun purchases and it’s great he’s able to work extra to make those happen. But it reminded me of why most people don’t build wealth: increased earnings never go into wealth.
All across society extra money—whether from a raise or working extra—disappears into lifestyle inflation or temporary purchases, when it could be put to work so much more effectively.
The drone would be really fun, but there are so many small parts and fancy electronics that it’s bound to break after a couple years—and that’s if you don’t fly it into a tree before then.
If you want to build wealth that thousand dollars should be spent on new skills or invested in the stock market, retirement accounts, or another business, rather than burned on the latest gadget.

2. YOU CAN SKIP AHEAD, BUT YOU STILL HAVE TO LEARN THE LESSONS FROM EACH STEP

At ConvertKit we run one of the largest affiliate marketing programs of any SaaS company, bringing in nearly half a million dollars in revenue each month. But it’s a pain. None of the software available to manage these systems works well and as a result we spend at least one day a month doing manual work.
My brother-in-law, Philip, saw this manual work and decided to build a better platform for SaaS companies to run affiliate programs. His new tool, called LinkMink, is gaining traction, but still early. After working on it for nearly two years he can’t help but feel frustrated he and his co-founder are only at a couple thousand a month in revenue.
I can relate to this. 2 years into starting ConvertKit we were at the same level. It sucks how slow SaaS can be.
But then I started thinking about Philip’s path. He’s got a bachelor’s degree in business, has worked as a designer, then as a software developer. Then he started working on LinkMink.
His path has been:
Okay, so far this is great. On our income-earning ladder he has gone from the first rung to the second and done it quite quickly. In just four years going from an entry-level position to a fantastic salary.
Somewhere in there he also did a little bit of contract design work, so he picked up the basics of invoicing, finding clients, and marketing your services.
So let’s look at his next step, which was too… Start LinkMink.
Starting a software-as-a-service app isn’t the next step on the spectrum. Hell, it’s not even in the next 10 steps!
Running a SaaS company is incredibly hard with so many moving pieces: development, servers, customer support, legal, payment processing, etc. No wonder it’s taking a while!
It’s not that he can’t do this or that he even made a poor choice in jumping to this step: simply that he has a lot of lessons to learn and he chose to learn them all here, rather than slowly in incremental steps throughout the journey.
Because of that, he should set his expectations that this will take longer and feel harder than it does for other people.
Those downsides are balanced by the fact that it can also have an incredible reward because recurring software is one of the greatest business models on the planet, which is why acquiring companies and investors will pay an incredible premium to own them.

3. APPLY YOUR EXISTING SKILLS IN A NEW WAY TO BUILD WEALTH

My friend Patrick bought a house that needed plenty of work and immediately dove into renovating it himself. Since he works construction full-time he was well equipped with the skills to transform this fixer-upper.
But the real magic and value wasn’t in the main house, which he is remodeling for his family, but in a detached 1-car garage that is accessible from the back alley. Originally this building was so run down that you wouldn’t even park a car in it, but after 6 months of work on nights and weekends Patrick renovated it into a beautiful little 300 square foot studio apartment.
Just a couple hours after listing it for rent on Airbnb he had his first booking. His first month booked up immediately generating over $1,800 in revenue. When combined with his job working on a construction crew, this new revenue stream was a 50% increase in his monthly earnings.
Because Airbnb already exists he has a product to sell (a cozy place to stay), in an existing marketplace, to a steady stream of buyers.
The best part is that not only is this making him money while he works construction, and that the extra work he put in will raise the resale value of his house, but really that for as long as he holds on to it, he has steady cashflow to more than cover his mortgage no matter what job he does.

4. THERE’S A DIFFERENCE BETWEEN WORKING FOR A HIGHER WAGE AND TRULY BUILDING WEALTH

While I love working on the computer and creating digitally, often I want an escape from that and to see projects come together in real life. Like many people I’ve been fascinated by tiny houses for years, so this year I decided to pull the trigger and build one myself. While it’s been a lot of learning and quite challenging at times, the break from sitting in front of a computer to start creating in real life has been so rewarding.
Since I’m a complete novice when it comes to home building, I’ve relied on experienced friends like Patrick for the trickier parts, such as installing a double-swing french door.
After finishing his own tiny studio and helping me build my tiny house Patrick said, “Maybe I should quit my construction job”—which is something he’s wanted to do for a long time—”and build tiny houses for other people.”
While it’s a solid idea, and would certainly be more fun than working for a construction company, I talked Patrick out of it. Not because I want to crush someone’s dream, but because it would be a step backwards on our earning a living ladder.
Patrick was on the first ladder of hourly or salaried work for a company. The next logical step would be to start his own company doing similar work. That actually takes him to the next ladder.
Then if he were building tiny houses specifically he could specialize and sell them more as a product—not just labor for x dollars per hour, but actually selling the completed tiny house for a fixed price. Which would mean any efficiencies gained would be his to keep.
Wait, those all sound like good things and steps forward, so why discourage it?
Because Patrick actually has a solid footing on a much more advanced ladder: selling products. His Airbnb is selling a product into an existing marketplace. He’s making money while he sleeps! So instead of using his time and skills to create another hourly or project based income source, he should build a tiny house for himself, put it on Airbnb, and double his product revenue.

5. USE AN EARLIER RUNG ON THE LADDER TO FUND THE NEXT ONE

The one downside to jumping ahead is that it often costs money before you will get money back. Because he did all the work himself, Patrick’s studio renovation only cost about $10,000. While it’s a great return, $10,000 is a lot to come up with!
In the same way Patrick’s biggest obstacle to running another airbnb unit is actually initial capital to get started through buying land and building materials.
That’s where the early rung on the ladders can help. You might stay at your software job longer to stockpile savings to fund your living expenses longer, or you might pick up extra shifts as a bartender to help save for your next set of building materials (which is what Patrick did). Often it requires extra work on one rung of the ladder to fund the jump to the next one.

WHEN IS IT WORTH IT TO WORK FOR A WAGE?

You may have heard the quote, “you shouldn’t trade time for money.” While true that there are better ways to build wealth, early in my career I found that advice quite discouraging. That was the only way I knew how to make money and apparently it was wrong!
You should trade time for money, especially early in your career when it’s the only option available with your current skill set. So rather than writing off entire methods for earning a living, let’s break down five examples of when you should trade time for money:
  1. When you are just getting started. Early in your career, the important thing is to make enough to pay rent and buy groceries. Don’t look down on any job that allows you to do that. Once you have a stable foundation you can start to pursue better opportunities.
  2. When you are learning a new skill. If you can get paid to learn a new skill that will grow your earning potential you absolutely should! Let’s say I want to be a YouTuber and are just getting started. Working as a camera assistant for an ad agency would be a great way to learn more about cameras and video while still paying rent.
  3. As a step in getting to a higher rung or on to the next ladder. It always takes time, money, or both to move to a higher rung on the ladder. If you spend conservatively and save any extra money you can have enough to buy the tools, training, or time necessary to get to the next level.
  4. To build relationships and find mentors. The right people will shape your mindset and opportunities. You should absolutely trade time for money if it means expanding your network to people who can help you jump to the next ladder.
  5. When the work is rewarding and meaningful in its own right. If you found work that you find meaningful and fulfilling, you should do that. Even if some expert says you shouldn’t trade time for money. A lot of money is far from the only kind of wealth.
The most important thing is that you aren’t just treading water as you work for a wage. As much of that money as possible should be saved and invested to help you jump to the next ladder.

6. MOVING BETWEEN LADDERS OFTEN MEANS A DECREASE IN INCOME

I hope this has been helpful and inspiring so far, because I’m about to hit you with some bad news: while income increases as you move up any one ladder, it often decreases when you jump between ladders. Sometimes that drop may be only for a few months, other times it could be a few years. Let me give you an extreme example.
In 2013 I earned over $250,000 from selling books and courses on design. My income head been steadily increasing for the last few years and I was damn proud of my blog and business. But then I decided to make the leap and switch from selling ebooks to starting a software company—one of the most difficult rungs on the product ladder.
My income immediately and substantially dropped as I focused on ConvertKit. So how long do you think it took to set a new one year income record? A year? Two years?
Nope. I didn’t earn over $250,000 in a year again until…2018. 5 years later!
Software can take a long time to get going and for years after we got traction I still reinvested everything. Now, because of the exponential growth of ConvertKit (more on that later), I’m now earning far more than my previous record of $250,000.
As you eye the next ladder to make the leap from a stable job to freelancing, or from a successful freelancing business to your next product, plan for a valley to follow your current revenue peak.
This is especially hard when you’re used to being successful in one area and then you start over in a new area and lose the signs of progress and forward momentum.

IT DOESN’T HAVE TO BE ALL OR NOTHING

You can start your blog while still helping freelance clients. Build the habit of writing while you still have your full-time job. Or do what I did and use book and course revenue to help fund building a software company.
A side project is an incredible way to bridge the gap and cover the dip as you move between ladders. Just one note: I said, “a side project” not “side projects.”
It’s so easy to get carried away with dozens of exciting ideas, working on each one as motivation and inspiration are there. But if you keep that cycle going it’s so easy to be spread thin between so many projects that will prevent you from making any one of them actually successful.

7. EACH STEP IS EASIER WITH AN AUDIENCE.

While the dip is always going to be frustrating, imagine that instead of making the leap alone you had dozens, hundreds, or even thousands of people cheering you on at each stage. Each person enjoying hearing about your journey and eager to help you make the next step.
Sound too good to be true?
It’s not. It’s called an audience.
By sharing your journey publicly—and inviting friends, family, and complete strangers along for the ride—you will create your own fan club who are actively rooting for your success.
That’s exactly what I did when I made the jump from selling ebooks about design to starting a software company: I talked about the entire journey through what I called The Web App Challenge. A public challenge to build a customer-funded SaaS product from scratch to $5,000 in recurring revenue in six months.
While I didn’t hit the goal—only achieving just over $2,000 per month—the people who rallied around to support my public journey were incredible.
That next endeavor that you launch, whether it’s creating handcrafted products for the farmers market, starting a new coffee shop, if you share your story and give people a way to follow your journey, they will. Some will buy your products, others will tell their friends, and still more will cheer you on.
An audience is actually easier to build than we make it seem:
  1. Have a goal. The goal could be to make your first sale at a farmers market, write a book, renovate an airbnb, pay off your debt, landing your first four design clients, or just about anything else. The point is for it to be clear who you are and what you are trying to accomplish.
  2. Document your progress. This next step is a little harder—not because it’s difficult to document progress, but because it’s difficult to do consistently. Choose a cadence and write updates reminding people of what you are trying to accomplish and sharing your progress, learnings, and challenges on that journey. That could be through a monthly blog post or even just through more regular Instagram posts.
  3. Ask for help. Finally, understand that everyone wants to help, so let them! If you need advice on how to price your products or how to setup your business, just ask. If someone in your small audience doesn’t know, they most likely know someone who does. Throughout my journey I’ve been blown away by how many people step up with advice, introductions, and support whenever I’ve asked.
So as you plan your next big step to build wealth I encourage you to set a clear goal, share it publicly, and give your community the opportunity to rally behind you and make it happen.

8. IT TAKES LONGER THAN YOU THINK, BUT THE RESULTS CAN BE INCREDIBLE

A few years ago my friend James’ grandmother passed away in her 90’s. She had grown up in the small town of Council in central Idaho. When she was 60 years old her husband, my friend’s grandfather, passed away. Leaving her alone. She was financially secure through two paid off houses, one in Boise, the other in Council, but she still had a long life ahead of her.
She always loved cute little houses and decided to buy one to rent out as a new hobby to fill her time. A couple years later she bought another and rented it out as well. Then another and another.
By the time I met her she was 80 years old and in the 20 years since she started, she had acquired more than 25 cute little homes throughout Southwest Idaho. None were very expensive, probably around $100,000 each, but combined they turned into quite the real estate empire. Each returning a great monthly cashflow that she rolled into buying the next property.
In addition to this she bought a one hundred acre ranch on the Boise river outside of town.
What had started as a hobby to pass her time and distract from loneliness turned into a real estate empire worth over $5 million.
The takeaway is not necessarily to buy more houses (though that has been a great path to wealth for many), but that consistently reinvesting time and money into wealth creation rather than lifestyle inflation can have incredible results if allowed to play out for long enough.

The unique shapes of increasing income

I mentioned earlier that the further to the right on the income ladders you go the more difficult they become, but also the greater the upside. It may be hard to understand exactly why that is, so let’s explain it with three visuals:

STAIR STEP

Stair step diagram
Most people will experience a stair step approach to income in their life. As they move from an hourly position to a salary that comes with a raise, which would be a step up in income. Then each additional salary increase will be another step. In some careers these may be small and often, in others they may be spaced out over more time and be quite large (residency to a full doctor or making partner at a law firm).
You can also supplement a salary with an additional project (a rental property, buying an e-commerce site, a recurring consulting agreement) that will result in another stair step in your income.
While this model isn’t the best possible, it is how nearly all wealthy people built their wealth. You won’t have unlimited upside, but over 40+ years it is one of the most reliable paths to wealth.

LINEAR

Linear diagram
Enough stair steps that are close together will simply look like a linear growth curve when you zoom out. So while a raise every few years will look like a stair step, a freelancer steadily able to increase her rate will look linear. In the same way that adding a rental property once is a worthwhile stair step, adding one per year is linear.
The most common linear growth that I see in my work is in selling digital products: as traffic increases, so do sales. It isn’t exponential because traffic is still the bottleneck, but each new blog post or search engine ranking brings a few hundred more people to the site each month. Over time that drives more sales and income increases.

EXPONENTIAL

Exponential diagram
Exponential growth comes from when each sale of a product truly makes the next sale come more easily. It requires a product that you can sell repeatedly (whether physical or digital) that can be created at a large scale. Meaning you can’t be selling your time.
Exponential growth often starts slowly, taking months or years to reach any kind of meaningful revenue. But fast forward a few years or a decade and the growth can be absolutely astounding.
Software companies, marketplaces, and large e-commerce companies have an incredibly high ceiling and can grow insanely fast in their prime. But that usually takes time, significant skill, and meaningful capital.

My own journey to building wealth

The one thing I can guarantee is that your journey won’t be linear. Mine own journey involved jumping all over the place. Let me show you:
  1. Woodworking (2003 — 13 years old). The very first way I made money—other than my parents paying me for work around the house—was making wood carvings on a scroll saw a family friend had given me, and selling them around the neighborhood. Each one making between $10-$40, depending on the complexity. While after that it would be a few years before I would revisit products, I still find it interesting that I had such an early foray into products. Most important skill acquired: the courage to knock on a stranger’s door and sell them something.
  2. Wendy’s (2005 — 15 years old). I was in a hurry to grow up and wanted to start taking college classes. I needed money in order to pay tuition. So I picked up the phonebook and started calling businesses asking how old you had to be to work there. Most said 16. Wendy’s was the first to say they’d hire at 15. Working the drive through we would compete with other local stores to set the fastest drive through services times. I worked the cash register and learned to type on it without looking in order to make sure I wasn’t the bottleneck. Most important skill acquired: how to work very fast.
  3. Freelance web design (2006 — 16 years old). I learned web design in high school and started to make money designing websites and logos. In 2007 I dropped out of college to do it full time. My biggest success was building a web application for $10,000. Most important skill acquired: how to find, work with, and charge clients.
  4. Lead designer in a startup (2009 — 19 years old). In 2009 I was hired on full time by one of my clients (a 14 person venture backed startup). I stayed for nearly three years, growing to lead their product design team. I spent my time designing in Photoshop, learning to code iOS apps, and working with a large team as the company eventually grew to over 80 team members. Most important skill acquired: an introduction to leading a team.
  5. Building and selling iOS apps (2011 — 21 years old). While working for the software startup I started building iOS apps on the side. Then I went out on my own to freelance and continue to build my own apps. As my first venture back into products since the days of selling handmade goods door to door, I had to learn to write a sales page, code apps, market products, and launch into the iOS app ecosystem. Most important skill acquired: building a product and selling into an existing marketplace.
  6. Selling my first book (2012 — 22 years old). After building quite a few iOS apps I turned to writing a blog and then eventually writing a book teaching how to design apps. The book was quite successful, selling nearly $20,000 worth in the first week! This launched my entire journey with building an audience and self-publishing. Most important skill acquired: how to build an audience.
  7. Building a software company (2013 — 23 years old). My next—and final—venture was to focus on software again and build the email marketing company I wish I had when I started growing an audience. Today ConvertKit earns over $18 million per year. Nearly seven years after starting ConvertKit it is what I’m still doing and plan to do for at least the next decade. Most important skill acquired: how to work relentlessly on one idea for long enough to reach its full potential.
Over the years I’ve done so many different things, but each one was a step towards learning the skills required to earn a living and build wealth.

Considering leveling up your income and wealth?

As you’re considering making the jump to the next level, ask yourself these questions:
These aren’t meant to discourage you from making a move. Instead, the answers to these questions will give you awareness to make you more likely to succeed in the journey ahead.
Let’s close with one final example.

The Patel Motel Cartel

Did you know that 50% of motels in the United States are owned and operated by people of Indian origin? One of my favorite articles I’ve read in the last year was in the New York Times and was actually written back in 1999, it’s titled, A Patel Motel Cartel?
In the 1950s families from India started to immigrate to the United States. Because it was so expensive they often relied on money from family to help them get settled.
Once in the United States they got jobs, earned more, and paid it forward to others in their family to help them make the same move. The money was never repaid, but always paid forward.
But the real magic came with what they did next. Instead of pursuing normal jobs a family would pull together all the money they could (from their own savings and from extended family) and use it as a down payment on a small motel. The family would then move into it and run it full time. Spending their days and weekends working the front desk, cleaning rooms, and making beds.
Over time as it grew into a meaningful business they would have some free capital to pay forward to another relative who would do the same thing.
They worked hard hosting thousands of guests and carefully stockpiling money. Whenever the stockpile grew large enough it didn’t go into increasing their lifestyle, but instead into the next opportunity, which was nearly always another motel.
By 2003, when the article was written, Indian immigrants owned half of all the motels in the United States. Not only were they continue to earn great revenue from each booking, but the land has appreciated over the decades to become incredibly valuable, making these families rich.
My three favorite things are that they:
  1. Rallied together to make one family succeed, and in doing so raised the tide for everyone.
  2. Never paid back the money, but instead paid it forward to the next family member to create opportunity for them.
  3. Always poured the money into the next revenue generating asset (another motel) rather than inflating their lifestyle.
While he doesn’t come from a culture where that kind of assistance and collaboration is common, my friend Patrick is well on his way to creating wealth through following the same model as he leverages his construction skills to build more Airbnbs.
Philip is doing the hard work to launch a SaaS company—learning all the skills necessary to jump 3 ladders in a single move. His company, LinkMink, is now growing quickly and we even switched ConvertKit to their platform a few months ago.
And I’ve used the skills I learned from each ladder to build a company to nearly $20 million in revenue.
No matter where you are in your journey, whether you are searching for a job, living paycheck to paycheck, launching your first business, growing an audience, starting a side project, scaling your company, or looking for the next venture to invest in, I hope this article helps to serve as a roadmap of what’s possible.
Building wealth is a skill. A skill anyone can master given enough time and a relentless desire to learn and work hard.
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Currently about to finish an MA in history, but would like some insight into two potential paths

Some quick background
I have a BA in history and will have an MA in history soon. I am very lucky to have supportive parents who urge that I follow what I think is best for myself (by that I mean they are more than willing to fund my schooling without adding extra pressures like needing a job to pay for that schooling) . I have loved history for as long as I can remember, this made me think that I would like to pursue a PhD and become a professor.
But to be quite honest, as I researched other posts and articles about current PhD students I started to realize that maybe I had been under the wrong impression as to what it really means to pursue a PhD. For that reason, I fear committing myself to a program only to hate myself for doing so one or two years in. This is less about the PhD being hard and more about my sense that if I didnt like it I would lack the motivation to position myself well within the program and later in a job market that is very competitive.
I don't want to completely give up on a possibility of having some future job or career affiliated with history (possibly high school or community college teaching?), historical research (archives etc.), or even museums/historical societies.
--------------------------------tldr--------------------------------------------------------------------------------------
My parents and some close friends have said that it may be best to continue with just a general history MA program. But I feel that it may be better to pursue something related to history but more specialized. Something like a public history program, archival science, etc.
  1. What are your thoughts concerning someone who would pursue a public history or archival program having never really taken courses that are specific to those fields? (I did take an archival science course but it was more about how to use archives for research)
  2. If any of you are in a public history program, what is the program like? is it valuable for someone who wishes to have a career related to history? I am under the impression that an archival program could get a little technical or science-like which would not be best for me. In short, is a public history program a good way to position myself for some sort of career involving history or museums?

Encore question
  1. If I hold a BA and an MA do you think pursuing another MA is even worth it? Or is it better to just dive into the job market, get some experience, and work from there?
(I keep dealing with the thought that I'd be ridiculed for studying history and that holding two MA's would somehow make me a better applicant to a job | my fear is that this hypothetical job would then pass on me because I spent more time pursuing degrees than getting work experience on my resume)

***This is not from a position of "hating" coursework, etc. while realizing a PhD may not be best for me I do like the idea of continuing my education for just another two years especially if its something more specialized***
submitted by mildly-liberal to GradSchool [link] [comments]

I'm two years into a union plumbing apprenticeship. Here's the good, the bad, and the ugly. AMA

About a year ago I did a post about joining a plumbing apprenticeship and I wanted to do a follow up. It hasn't been easy, but I still love it and am still invested in the program. While different unions have different policies, pay scales, and school programs, I'm going to refer back to my current program for examples.
When you complete an apprenticeship, you are considered "turned out" and you are licensed in your trade as a Journeyman. Different unions have different lengths for their programs. Some are three years long, some are five years long. Your pay as an apprentice is based off of a percentage of Journeyman pay. As an apprentice you are required to submit a timesheet of your cumulative hours every month. Every year you get a percentage raise coinciding with your required hours and your year anniversary.
For an example, let's say that I joined the program in October of 2020. If I work consistently all year and get the required hours by October 2021, then my second year raise goes into effect immediately. If I don't work enough and don't get enough hours until December 2021, then that's when I would get my second year raise.
The program I'm in is a five year program. Journeyman wage is $38 an hour. A first year apprentice makes 50% of Journeyman wage, so $19/hr. A second year apprentice makes 60%, or $22/hr. A third year apprentice makes 70%, or $26/hr. A fourth year apprentice makes 80%, or $30/hr. A fifth year apprentice makes 85%, or $32/hr. Once you turn out you would get your final raise.
Each year the Journeyman get about $1.50 raise to try and match inflation. Usually how it works is the Union will allot $2 or so and everyone votes on how much to put into benefits, pension, funds, etc., and then the remainder goes into the check. That raise trickles down into the percentage pay that the apprentices get as well.
There's a lot of work involved, and there's terms and conditions.
1) You are required by the union (this one, anyway) to go to school two nights a week for three hours a night throughout the five year apprenticeship. It follows a standard school schedule, so you get summers off. You do take out a small loan through the Union for this to cover materials and training in the classroom. If you leave the union before completing your apprenticeship, you have to pay it back in full. If you turn out you will have paid it back through fees and dues.
The good side of having to go to school is that everything you learn is immediately applicable to what you're doing in the field. It's not like taking art history just to fill your credit hours for your science degree.
Once you turn out as a Journeyman, you also have the equivalent of an Associates in Applied Science. If you decide to go to college after you are turned out they will accept your union school hours as credit hours.
2) While an apprentice, you can't do plumbing work outside the union. The logic being "we're not paying for and training you to work outside of the union for somebody else," which I understand. If you're looking at a different kind of union, I'm sure they have a similar policy in place.
3) The union will not always have work available for you. If you're a journeyman this isn't a big problem since you can go elsewhere to find work. As an apprentice, you can't do plumbing work outside of the union for an independent contractor or something along those lines. And you still have your apprenticeship classes even if the union doesn't have work for you. I don't know how common it is for this to happen where there's a lot of people "on the bench," but it's common enough that you should have a minimum of three months savings while working in the trades.
The flip side to this is that you can get a lot of job security based off your merit and work ethic. If you work well and work hard, and don't have safety violations, a company will really try to keep you on their payroll. So, your reputation and merit make a difference, for better or for worse. It's completely up to you.
4) You are ALWAYS required to pay your quarterly dues, regardless of if the union is operating how it should be and is keeping you in work. It doesn't matter if you're laid off. You are required to pay your dues.
5) You never know who you're going to work with. The company that hires you may not be well run. The foreman could be incompetent or an asshole. The journeyman you work with as an apprentice could be incompetent or an asshole, which means you won't learn the proper skills from them.
6) If you're a woman entering the trades, it can be a bit intimidating. DON'T BE SCARED. Yes, there is harassment. Yes, there are people who think you shouldn't be there. Yes, there are assholes who will mess with you. But if you're a good worker and have your coworkers respect, they will have your back through anything. People have offered to beat someone up for me after I got cat called. Foremen and Journeymen have walked me to my car any time I asked. For every person who makes it difficult for you there will be five people who have your back.
The work culture is changing and harassment isn't tolerated the way it used to be. This applies to safety, too. Despite working out a lot, I'm not as strong as the guys and I never will be. Fortunately it's irrelevant since we use machinery for heavy lifting when possible, and someone will always help you if you ask.
There are plenty of guys who are short, out of shape, and unintelligent. There are some people who are journeymen who I am shocked made it through an apprenticeship. If people like that can make it, so can you, regardless of any limits you think you have.
7) How much of the market share the union has dictates how strong they are. What that means is out of 100% of the available work, X% belongs to the union. My current union has roughly 15%, which is terrible. This past winter I was laid off for 5 months due to a lack of work. I'm moving to another state with a union that has 90% of the industrial market share.
8) Moving and transferring is relatively simple. Most trade unions have a national organization. Plumbing is organized through the UA, or United Association. This also includes pipefitters and welders. Any plumbing, fitting, or welding union is affiliated with the UA. If you live in California and want to move to Maine, you just find the union in the area you want to live and transfer to that one. This offers a lot of flexibility with lifestyle choices and sudden changes.
9) Plumbing has a lot of math involved. As someone who used to hate math, it's not as bad as it sounds. If you have good problem solving skills, or are good at puzzles, plumbing might be a good fit.
10) If you've never used power tools before then that's okay too. You can learn and nobody expects anything from a first year apprentice as far as skill. Just show up on time and stay focused on work.
So, it's not a cakewalk. But, it wouldn't be any harder than trying to work two or more jobs while going to school for a degree. And there's a guaranteed pay raise every year while you learn the skills to do your job. You know exactly how much you're going to be making, indefinitely.
Even if you decide that you hate the trades, this will get you on your feet, out of poverty, and you can have savings while you look for something else as a career.
Everything I've said in this post is based off my own observations. If anyone more experienced in the trades has any input or corrections, please feel free to add it. If you want more information on a union, simply Google search the trade and your city, ex. Bremerton Carpenters Union, Amarillo Plumbers Union, etc.
submitted by Death-B4-Dishonor to povertyfinance [link] [comments]

Unpoplular Opinion. Dont know where to post. I doubt the Thakre Goberment.

On 29th of May the Chief minister of Maharashtra took a decision of forfeiting final year exams of university students and handing them a degree without exams. Of course students rejoiced after they got a degree without working for a degree but was the decision as sweet as it has been touted it to be. Let us explore the other facet of the said decision.
The leverage
OK sure let's say that you pass out today that would mean that you're no longer a fresher and can no longer enjoy that status but we have to keep in mind that a fresher status is likely an exclusive one and a has more chances of job opportunities. Now I don’t understand why people are so stoked on to get a degree as soon as possible. Even if we consider you get a degree today are you certainly sure that you will get a job opportunity in this type of market. By getting degree earlier you’re losing that time period of the fresher status so why not delay it so that keep the fresher status longer. Now I know that it’s not morally correct but when the corporates become moral.
The second part of this is that interview is not a selection process it's more of a elimination process and the companies will find every move to eliminate a candidate so as to have the candidate with the least of the features which they don't want. So if I interviewer asks that why didn’t we give the final year exam it might put the students in fix. Also these type of interviewers have more focus on something called as return on investment as a MBA student they will always ask for that. now if a person has gotten a degree without an exam that means our returns the degree only has a monetary value which again will put the student giving the interview in a fix. Students are considered for job if they are in process of getting a degree but unfit if they don’t land a job in 6 months or so. So if people have this perception that getting a degree is akin to getting a job that's not true in fact being a student will land up will have you more chances of getting a job where you will be exclusive member of the freshens club.
The push for the GPA
This might be one of the most strong negative issue of this decision. Final year is supposed to push the GPA.The students who have high GPA have no problem with this but students who are average or may be lower than the 60% mark which is considered as standard for hiring over the industry, these students can profit from the exams being conducted. Consider a scenario where you are an average student where you get almost a 55% to 60% marks for all your three semesters now we know that the final year project out of 100,80 marks will be given by the faculty in under any circumstance. Let’s not kid ourselves here. The teacher will give the marks anyways. Now there are three such projects for MBA final year so that would mean 240 marks out of 300. Now you only few score half the marks in the theory paper which are two theory papers that takes up to 340 marks out of 500 which comes at 58% for your final sem.Now if you average out of course your overall percentage will go up which would not be if the students are just passed right now on the basis of their previous marks.
In bell curve 80% of students lie in the middle the 10% who are extremely weak around left and the extremely brilliant students are on the right the people on the right have nothing to worry about they cannot be pushed further right. 90% of students can be pushed to the right side so we can say that the decision taken against the 90% of students which could have scored higher marks in their final year. I’m not saying that the exam should be taken like in in next week just postpone the exam and postpone the degree because even without the degree you are going to land a job as a fresher of course. How do you look against a person from other university who has given an exam and got the degree vs you who has got the degree by paying the college. Its like giving exams for deemed university. Its not useless but its not something to be proud of.
A political move?
The chief minister is of course a good man but just because someone is good doesn't mean we can trust them with taking decisions they might not have expertise over. Even the education minster has diploma. He might be good leader but can we trust his opinion over the experts. They are elected to lead not take their own decisions. Trust me I voted for Shiv Sena and local party for the Z.P but I want to see them as a leaders not the decision makers the decision makers are the babu’s, the administrative officers, the learned people who actually know about the system the elected representatives are there to see if the popular opinion is followed and the decision is not harmful in longer run. They’re not there to take their own decisions. After the decision was taken I saw some people over the Internet saying that they will vote for Shiv Sena for rest of their lives the party earned voters but I think that the decision was taken in haste and should have given more consideration with recommendation from different experts from the field of education not only limiting to Mumbai University. Maybe it was taken to shut down the opposition and that is expected because the chief minister is not a learned man he's a good politician a good leader he's not supposed to take such big decisions without recommendations from his experts. The central government does this and look where it took us. A proper plan with proper tentative dates should have been fixed and how the degree will be given out even if those who want to give the exam or not everything should have been fixed before taking the decisions. The decision was taken as like modiji took the decision of demonetization. we don't know what implication it would have and reliefs are rolled out as experiments. Let me elaborate on why politicians are not good decisions makers. Imagine a scenario where you and your friend are riding on a bike and get into accident.Now your friend becomes unconscious by looking at the body it seems that he has broken some of his bones now in this situation it is advised to not touch the person or move the body so as to you will break their bones and maybe they will bleed internally and die. So in this case you just have to wait for a doctor or a medical expert to come and examine. Now let’s say some guy comes over and says that he wants to check your friend the first thing you will ask him if he's doctor or not. The guy says that he's a good guy people trust him his mother trusts him he has good personality and overall he was a class monitor. But these qualities doesn't warrant him to check the person you will not let him touch your friend unless and until you're sure the person is a doctor or a medical expert. What I meant to say here is that an expert the person who has knowledge about that field is warranted enough to take that decision it doesn’t matter how good you person are how great you personally that doesn't mean you will be useful in taking that particular decision the chief minister is a politician and I trust him with political decisions but I don’t trust him to be expert in every other field. Now had the decision being taken with taking in confidence of the experts we would have been gotten a proper timeline of what was going to be, how the process will take place but we have not it just a statement. The central party issues such statements every other day they call jumla.
Future scenario
India is a Democratic country the popular opinion is what is considered but fortunately it is a Republic too and therefore the constitution of India gives right to individual freedom as well. If in near future some person files a case against the decision taken that how can a person become a graduate without giving exams that would have a greater implication on all the students who are passed during this event. And such decisions have been taken in the past. For example the long distance learning program of many universities was considered akin to normal degree but at the decision passed by the court now nullified these degrees to such an extent that even Mumbai University canceled their Idol program. A similar such case took place almost two years back where every University which is not affiliated to UGC has to change their name and include the deemed University in their name in both cases the implication on the students was huge you can search that on Internet I don’t want to spark my anxiety by doing so.
Finally I am not saying that exams should be taken immediately. I am just saying that’s it might not be bad thing to take the exams at later date. Final year is not something a students attends lecture. It is the year of putting your lecture into action. I have been engineer and I have forgotten lecture but I do remember the project I did. In case of core specialization the act of completing the project is more important than the project itself even if you fail.(or you bought it)
For MMS degree I think for people who want to push their GPA at least at the higher average level, it would be good to take the exam rather than the degree. Also the paper which is being canceled is not an ordinary specialization subject. It would make you aware of every specialization there is in MBA. An interviewer can reject you on this very basis. The decision can only then be made useful if we get at least 90% reservations to Maharashtraians which I think the current government will have problems to go on with
submitted by Double_Speaker_ to librandu [link] [comments]

“[L]aw enforcement is a popular career choice for psychopaths,” according to a 2018 article* on BusinessInsider.com. (Non-)obvious reasons police reforms MUST include testing** to screen out psychos.

* https://www.businessinsider.com/professions-with-the-most-psychopaths-2018-5
** i.e., administering available tests that are psychometrically valid
Details: https://www.slideshare.net/PostRomCom/ (SlideShare is owned by LinkedIn.) Excerpt:
Obvious reason to screen out
From 2011 book The Psychopath Test: A Journey Through the Madness Industry:
[“]She said, ‘I’ve got a bad personality. I like to hurt people.’ I thought she was winding me up. I said, ‘Okay, fine.’ So we went through the [fMRI] tests [i.e., brain scans]. When she was looking at the photographs of the mutilated bodies, the sensors showed that she was getting a kick off of them. Her sexual reward center—it’s a sexual thing—was fired up by blood and death. It’s subconscious. It happens in milliseconds. She found those things pleasant.”
From 2019 book The New Evil: Understanding the Emergence of Modern Violent Crime:
As we move along the continuum to Category 9 [of 22 categories of violent crime], we traverse an important threshold. The remainder of the scale encompasses persons who commit “evil” acts partly or wholly as the result of varying degrees of psychopathy . . .
TNE co-author Michael H. Stone, MD, is a professor of clinical psychiatry at the Columbia University College of Physicians and Surgeons.
TNE co-author Gary Brucato, PhD, is: 1) a clinical psychologist and researcher in the areas of violence, psychosis, and other serious psychopathology, 2) the assistant director of the Center of Prevention and Evaluation at the New York State Psychiatric Institute/Columbia University Medical Center.
From the June 4, 2020 article on WPXI.com* titled “Former FBI assistant director: Derek Chauvin showed ‘sociopathic behavior’ during George Floyd’s death”:
[Former FBI-er] Fuentes said research shows about seven percent of people exhibit some sociopathic behavior, but in applicants for law enforcement that number jumps up to more than 40% [my emphasis].
Fuentes said the key to stopping police brutality is preventing these types of individuals who seek out power over others from being hired in the first place.
* WPXI is the NBC-TV affiliate in Pittsburgh, PA.
Non-obvious reason to screen out
-- Summary (details below) --
Advances in molecular genetics are IMPERILING ~77 million psychopaths (PsIMP).
It’s (very) likely that a growing number of Ps: 1) are aware that PsIMP, 2) have been resisting* (e.g., organizing; coercing; preparing to coerce-via-terrorizing; partnering with known groups of violent extremists).
From 2012 book Irregular Army: How the US Military Recruited Neo-Nazis, Gang Members, and Criminals to Fight the War on Terror:
Since its inception, the leaders of the white supremacist movement—which is as old as the country—have encouraged their members to enlist. They see it as a way for their followers to receive combat and weapons training, courtesy of the US government . . .
* I identified this THREAT to non-Ps via my work; said resisting is a RISK factor for my industry.
Re: most/all very wealthy people who aren’t Ps would BENEFIT from $UPPORTING said screening out (e.g., $UPPORTING politicians who . . .)
Details below.
Re: PsIMP
-- Summary (details below) --
Psychopathy is ~70% heritable.
Via molecular genetics, many/most/all genetic markers for psychopathy will be identified soon.
[I]ndefinite detention” of Ps could/should ensue, according to a leading psychopathy researcher and criminologist who’s tenured at the University of Pennsylvania (i.e., Ps who haven’t committed a crime could be imprisoned).
Re: Ps being aware that PsIMP
From a 2016 article on PsychologyToday.com:
A [meta-analytic] review of [48] studies found that the correlation between psychopathy and intelligence is nearly zero [i.e., ~2.3% of Ps have an IQ ≥ 130; ~16% ≥ 115] . . . (O’Boyle, Forsyth, Banks, & Story, 2013).
From the 2012 article in FBI Law Enforcement Bulletin titled “The Corporate Psychopath”:
Today’s corporate psychopath may be highly educated—several with Ph.D., M.D., and J.D. degrees have been studied . . .
Re: Ps resisting PsIMP
From a 2018 article titled “Los Extraditables, the Pablo Escobar-Led Gang That Launched a Bloody Campaign [during the 1980s] Against U.S. Extradition”:
The terrorist group . . . claimed “we prefer a grave in Colombia to a prison in the United States . . .”
Escobar was a drug-trafficker whose net worth reached $58 billion (in 2018 dollars). The other leaders of Los Extraditables were wealthy drug-traffickers.
From 2001 book Killing Pablo: The Hunt for the World’s Greatest Outlaw (my emphases):
“[Escobar] intended, he said, to use the public’s weariness with [Extraditables-funded] violence to his benefit. He planned to turn up the violence until the public cried out for a solution, a deal.
. . . A communiqué from the Extraditables not long after hammered home the point:
We are declaring total and absolute war on the government, on the individual and political oligarchy, on the journalists who have attacked and insulted us, on the judges that have sold themselves to the government, on the extraditing magistrates . . . on all those who have persecuted and attacked us. We will not respect the families of those who have not respected our families. We will burn and destroy the industries, properties and mansions of the oligarchy.”
At his [Pablo’s] peak, he would threaten to usurp the Colombian State.”
“Ever since Pablo’s men had blown that Avianca flight out of the sky . . .”
“[A] total of 457 police had been killed since Colonel Martinez had started his hunt. Young gunmen in that city were being paid 5 million pesos for killing a cop.”
From a 2018 book by a professor of international relations at the U.S. Military Academy at West Point (my emphases):
The allure of preventive war is rooted in fear . . . [F]ear is most acute when power is shifting among states [i.e., groups of people].
. . . The strategic logic of preventive military action is simple: The objective is to physically destroy or neutralize the rival’s growing offensive capabilities with a first strike or by coaxing war, at an early stage in the power shift, before the rival is potent enough to pose the threat that haunts your visions of the future.
. . . [Hence] that long parade of preventive conflicts we can observe over thousands of years of history.
Re: psychopathy is ~70% heritable
From 2011 book The Science of Evil, by a University of Cambridge professor of developmental psychopathology:
If a trait or behavior is even partly genetic, we should see its signature showing up in twins.
. . . Regarding twin studies of Type P [i.e., psychopaths], none of these show 100 percent heritability, but the genetic component is nevertheless substantial (the largest estimate being about 70 percent).
Re: many/most/all genetic markers for psychopathy will be identified soon
From 2013 book The Anatomy of Violence: The Biological Roots of Crime, by a University of Pennsylvania professor of Criminology, Psychiatry and Psychology (part 1 of 2):
“Behavioral genetics is a shadowy black box because, while it tells us what proportion of a given behavior is genetically influenced, it does not identify the specific genes lurking in there that predispose one to violence. Molecular genetics is poised to pry open that black box . . .”
“Twenty years ago, molecular genetics was a fledgling field of research. Now it is a major enterprise providing us with a detailed look at the structure and function of genes.”
From a May 2020 article in Nature magazine:
In the past decade, studies of psychopathological genetics have become large enough to draw robust conclusions.
From The Anatomy of Violence (part 2 of 2):
The essence of the molecular genetic research we have been touching on above—identifying specific genes that predispose individuals to crime—is that genes code for neurotransmitter functioning. Neurotransmitters are brain chemicals essential to brain functioning. There are more than a hundred of them and they help to transmit signals from one brain cell to another to communicate information. Change the level of these neurotransmitters, and you change cognition, emotion, and behavior.
. . . It’s 2034 . . . [A]ll males in society aged eighteen and over have to register at their local hospital for a quick brain scan and DNA testing. One simple finger prick for one drop of blood that takes ten seconds. Then a five-minute brain scan for the “Fundamental Five Functions”: First, a structural scan provides the brain’s anatomy. Second, a functional scan shows resting brain activity. Third, enhanced diffusion-tensor imaging is taken to assess the integrity of the white-fiber system in the brain, assessing intricate brain connectivity. Fourth is a reading of the brain’s neurochemistry that has been developed from magnetic resonance spectroscopy. Fifth and finally, the cellular functional scan assesses expression of 23,000 different genes at the cellular level. The computerization of all medical, school, psychological, census, and neighborhood data makes it easy to combine these traditional risk variables alongside the vast amount of DNA and brain data to form an all-encompassing biosocial data set.
. . . Fourth-generation machine-learning techniques looked for complex patterns of linear and nonlinear relationships . . .
Re: “indefinite detention” of Ps could/should ensue
From The Anatomy of Violence (my emphases):
[This] leads the government [in 2034] to launch the LOMBROSO program —Legal Offensive on Murder: Brain Research Operation for the Screening of Offenders.
. . . Under LOMBROSO, those who test positive—the LPs—are held in indefinite detention. . . . It sounds quite cushy, but remember that the LPs have not actually committed a crime. Perhaps the main drawback is who they live with, housed as they are in facilities full of other LPs—time bombs waiting to explode.
Re: most/all very wealthy people who aren’t Ps (VWnPs) would BENEFIT from $UPPORTING said screening out
In particular, VWnPs would benefit if Ps couldn’t resist via police awareness of investigations (e.g., via psycho cops thwarting would-be predictive policing).
From the chapter in 2015 book Tomorrowland: Our Journey from Science Fiction to Science Fact titled “Hacking the President’s DNA” (the chapter was co-authored by a former Resident Futurist of the FBI; my emphases):
Our next commander-in-chief will be our first commander-in-chief to have to deal with genetically based, made-to-order [e.g., personalized] biothreats.
. . . Within a few years, politicians, celebrities, leaders of industry . . . will be vulnerable to murder[, extortion, etc.] by genetically engineered bioweapon. Many such killings could go undetected, confused with death by natural causes; many others would be difficult to pin on a defendant, especially given disease latency. Both of these factors are likely to make personalized bioweapons extremely attractive to anyone bearing ill will.
Especially VWnPs who own a lot of real estate in big cities . . .
From the March 2020 op-ed on TheHill.com titled “The coronavirus: Blueprint for bioterrorism,” written by a former assistant to a then vice-president of the U.S.:
It represents the perfect asymmetric warfare strategy . . .
Google “urban exodus coronavirus” and “remote work post coronavirus.”
From the 2018 article on Vice.com titled “This Is What It Would Take to Turn a Virus Into a Weapon”:
Melinda Gates recently declared that the biggest threat to humanity is a pandemic brought on by a bioterrorist attack. [The Melinda & Bill Gates Foundation has been focused on pandemic preparation for several years.]
IMPORTANTLY for VWnPs et al., Ps could ENLARGE their war chest by engineering (corona)viruses and vaccines.
From 2020 “pandemic novelThe End of October (#24 on Amazon’s May 7 list of best-selling books; the novel was published on April 28):
“Really, Henry,” Bartlett asked, “you think this [virus] was man-made?”
“Biowarfare has always been a part of the arsenals of the great powers. We shouldn’t be surprised if this turns out to have been concocted in a laboratory. We know the Russians have tinkered with influenza. Good scientists. Maybe they wanted to see what could be done, if there was some way of collaborating with nature to build the ultimate weapon of war, one that can destroy the enemy without fingerprints.”
“It only makes sense if they have also developed a vaccine,” said Bartlett [my emphasis].
From the April 2020 article in The New Yorker titled “What Lawrence Wright Learned From His Pandemic Novel”:
By the time Wright and I met for lunch and discussed his novel—“The End of October,” which is out this month—he had already done the coast-to-coast reporting. He had met with epidemiologists, immunologists, microbiologists, security experts, vaccine experts, and public-health officials. He had read all the books, all the journal articles.
. . . The experts, Wright notes in a letter to the reader in the galleys of his book, “all share the concerns I’ve presented—that something like this could happen.”
. . .
Given personalized bioweapons, Ps linking financial data and DNA data could ENLARGE their war chest.
From a 2020 article in The New York Times:
In the years after Jeffrey Epstein registered as a sex offender [i.e., after 2008], he . . . started a business to develop algorithms and mine DNA and financial databases.
. . . Southern Trust [i.e., said business] generated about $300 million in profit in six years . . . The source of Southern Trust’s revenue is not clear; the bare-bones corporate filings made by the company in the Virgin Islands do not list any clients.
Important: Hypersexuality correlates strongly with psychopathy.
From a 2012 article on HuffingtonPost.co.uk (my emphases):
“In one of the largest studies of its kind ever published, U.S. psychologists have found a particular aspect of personality in men and women predicts what the researchers refer to as ‘hypersexuality.’
. . . This character trait is—psychopathy.”
“Psychologists are beginning to concur that it’s this unique element of character which most powerfully predicts . . . a gamut of risky sexual behaviors.”
“The ‘hypersexual’ have more sexual partners than the rest of the population, fantasize more . . . and tend to favor more sex without love.”
IMPORTANT (details below):
Epstein was banked by the WILD, worldwide criminal enterprise (CE) known as Deutsche Bank (DB).
There are indicators that:
* many of DB’s employees are Ps
* DB is a variant of the VIOLENT, politically INFLUENTIAL, worldwide CE of the 1980s known as Bank of Credit and Commerce International (BCCI)
From a 1992 U.S. Senate report on BCCI (my emphases):
[L]argest case of organized crime in history, spanning over . . . 72 nations . . . finance terrorism . . . assist the builders of a Pakistani nuclear bomb . . .
From 1993 book The Outlaw Bank: A Wild Ride into the Secret Heart of BCCI, co-authored by two journalists who covered BCCI for Time magazine (my emphases):
From interviews with sources close to BCCI, Time has pieced together a portrait of a clandestine division of the bank called the Black Network, which functions as a global intelligence operation and a mafia-like enforcement squad. . . . [T]he 1,500-employee Black Network has used sophisticated spy equipment and techniques, along with bribery, extortion, kidnapping and even, by some accounts, murder.
BCCI was shut down in 1991 by regulators/attorneys-general of several nations (e.g., nations complicit in BCCI’s crimes for many years, including the United States).
From The Outlaw Bank (my emphases):
Perhaps the most disturbing aspect of the BCCI affair in the United States was the failure of U.S. government and federal law enforcement to move against the outlaw bank. Instead of swift retribution, what took place over more than a decade was a cover-up of major, alarming proportions, often orchestrated from the very highest levels of government.
From said 1992 report:
BCCI systematically bribed world leaders and . . . prominent political figures in most of the 73 countries in which BCCI operated.
Title of a December 2019 article on TruePundit.com:
Jeffrey Epstein’s Private Banker at Deutsche & Citi Found Swinging From a Rope; Executive “Suicide” Before FBI Questioned Him
Title of a 2019 article in Vanity Fair:
Of Course Jeff Epstein Moved His Dirty Money Through Deutsche Bank
From a 2011 article in U.K. newspaper The Independent:
My companion, a senior UK investment banker and I, are discussing the most successful banking types we know and what makes them tick. I argue that they often conform to the characteristics displayed by social psychopaths. To my surprise, my friend agrees.
He then makes an astonishing confession: “At one major investment bank for which I worked, we used psychometric testing to recruit social psychopaths because their characteristics exactly suited them to senior corporate finance roles.”
From 2020 book Dark Towers: Deutsche Bank, Donald Trump and an Epic Trail of Destruction, by the finance editor of The New York Times (my emphases):
“Deutsche . . . helped funnel money into countries that were under economic sanctions for pursuing nuclear weapons or participating in genocides.”
“The hundreds of millions of dollars that Deutsche [had] wired to Iranian banks [by 2006] provided vital funding for the sanctioned country to pay for its terrorism. Soon Iraq was being ripped apart by violence. Roadside bombs detonated all over the country, targeting the country’s fragile government and the U.S. military forces that were trying to keep the peace. Much of the violence was the work of a terrorist group, Jaysh al-Mahdi, which had been armed and trained by Hezbollah, which had been bankrolled by Iran’s Revolutionary Guard, which had been financed by Deutsche.
. . . The sanctions violations weren’t the work of an isolated crew of rogue Deutsche employees. Managers knew. Their bosses knew. American regulators would later find evidence that at least one member of the bank’s vorstand—in other words, one of Deutsche’s most senior executives—knew about and approved of the scheme.”
“[Deutsche] would soon become enveloped in scandals related to money laundering, tax evasion, manipulating interest rates, manipulating the prices of precious metals, manipulating the currencies markets, bribing foreign officials, accounting fraud, violating international sanctions, ripping off customers, and ripping off the German, British, and United States governments. (The list went on.)”
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