Youtube comments of Mary Betsy (@marybetsy).
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I really appreciate the civility in your feedback, but I do have to disagree.
I definitely didn't cherry-pick these videos. They were just the first ones I came across when searching with the under-four-minute filter.
That did direct me to his Moments channel, but that just features excerpts from his main videos (often wholly uncut excerpts), so whether I pulled clips from one channel or other seems irrelevant to the commentary made. Plus, if he curates more sensational content for his second channel, that certainly doesn't make it immune from criticism.
And for the sake of argument, even if someone gives good advice at times, why should that mean they're allowed to make bad advice without critique?
Also, his main channel nowadays has shifted its focus from SMMA to often cover general advice about money, lifestyle, and dating along with "inspirational" content where he flexes his wealth, so I feel very comfortable that the footage shown here represents his brand.
Finally, the title of the video is hardly a bold claim or unfair judgment.
1.) Anybody who so obviously fakes positive comments is a clown, periodt.
2.) I give examples of his bad advice throughout the video, clearly explaining why I feel his "tips" are off base.
3.) I show him waving around money that he admits is fake in an old video that he has since deleted from what I can see, which is super ironic and suspect for a dude who claims he's been 100% transparent about his come-up.
This all raises serious questions about his credibility and in turn his intentions with his audience. I hear that you think I'm being overly negative, but with all due respect, I think you're being overly positive and I'd encourage you to have your guard up with this guy.
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I know there are many kind hearts and successful outcomes in the micro-finance arena, but I question whether it has fully proven itself as a business model β or whether it should be a business model at all.
Bloomberg did a deep dive on micro-lending last year titled "Big Money Backs Tiny Loans That Lead to Debt, Despair and Even Suicide" that raises major concerns on a number of fronts, writing:
"... even conscientious lenders have struggled to make a lasting improvement in the lives of the poor, a number of academic studies have found. That was also the conclusion of a Government Accountability Office report last year that said the $1.1 billion budgeted by the U.S. Agency for International Development for microfinance programs from 2015 through 2018 had produced 'little evidence of sustained effects'" (https://www.bloomberg.com/graphics/2022-microfinance-banks-profit-off-developing-world/).
Kiva definitely appears to have a better track record based on external due diligence (https://en.wikipedia.org/wiki/Kiva_(organization)#External_reviews) and has undoubtedly changed many lives, but it has also been criticized for the lack of transparency around its loans and for the high interest rates its field partners charge β rates that are self-reported and that, at least at times, have barely undercut commercial loans (23.16% vs. 24.5% in Guatemala), according to this report: https://web.archive.org/web/20100123033050/http://lacuadraonline.com/featured-stories/the-coffee-trade-nothing-fair-about-it/3
Its field partners may also cover defaults to keep their Kiva-listed repayment rate high, according to the Center for Global Development (https://www.cgdev.org/blog/kiva-not-quite-what-it-seems), and Kiva expects that its partners will pursue collections from borrowers according to their normal practices (https://www.kiva.org/about/due-diligence/risk), acknowledging the risk of embezzlement or fraud by its partners.
I'm certainly not arguing that nonprofits are flawlessly effective or without corruption, but ultimately it's hard for me to swallow the idea of Americans expecting repayment from a malnourished woman orphaned by HIV living without electricity or plumbing earning $2 a day, especially when Americans already enjoy so much relative privilege, often at the expense of those in other countries who have far fewer protections and opportunities.
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I'm glad to hear you've found value on Iman's channel and appreciate the feedback, but I don't see any evidence that the Iman Gadzhi Moments channel isn't run by Iman's team. (Many channels, including this one, have second channels featuring excerpts to promote primary content.) I'd be interested in seeing the 17-year-old you say is running this channel β let me know your source for that.
Regardless, as far as I can see, the clips on that Moments channel make no attempt to misrepresent Iman's words, but instead often feature uncut excerpts from his main videos. For example, the hotel / fashion "money tip" was excerpted in whole from this video: https://www.youtube.com/watch?v=lSWDYzC0BvA.
More importantly, though, I didn't omit any relevant context from that "tip" in my video β Iman failed to provide it, which is exactly why I criticized him. He promised to give "seven practical things that you can and should implement" to make $1 million as a teenager without explaining how looking at rich people's outfits or listening to the way they order at restaurants will help someone get ahead. The lack of context here ain't on me. It's on him.
You might not like me disagreeing with someone who's inspired you, but my conclusions are based on content produced by his team or opinions he's shared on podcasts. So I'm gonna circle back to your advice about better research because it also applies to comments.
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Hi, Beth! Thanks so much for the feedback, and I'm very happy to hear that you learned some new tea about the Kardashian fam. I was a little worried that their come-up has already been exhaustively covered, but I'm always surprised by how much I discover when I'm researching.
Thanks, too, for commenting on my voice. Sometimes I play a recording back and wonder whether I sound like some overly hyped-up YouTuber character, so you're giving me peace of mind!
And I'm really glad that you mentioned the single mom part of the video because I wasn't sure whether that was too touchy-feely to keep people's attention, but I just felt it was so important to include.
I have SERIOUS respect for you as a single mother, and your daughter's lucky to have a role model like you who won't settle for an uneven partnership. My mama was the same way, and it gave me sky-high standards that I thought nobody would meet, but I ended up attracting the best man when I wasn't looking for him.
As far as getting pressured, we get asked all the time when we're having kids, but we've decided that's not want we want, so I've just starting clapping back when someone acts like they know what'll make me happiest. Your instincts sound like they're right on point (and societal norms don't have the best track record anyway), so I'd just keep listening to your gut. π€
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Thanks so much, Nathan, and I really respect that you acknowledge subconscious bias, because there are so many people who, for some reason, find it difficult to admit that they don't know everyone's experiences. Anyway, I'm ranting ...
Seriously it means a lot that you appreciate my videos, that they made you think, and that you see them as a public service because that is ultimately what I'm going for, so thank you.
And I don't have an OnlyFans, but don't worry β you're already getting my best content here on YouTube. π
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Separation of church and state is certainly a big reason why churches get tax-exempt status β and the Johnson Amendment, though not enforced, is meant to support that β but tax experts repeatedly cite the argument that churches benefit society and relieve burdens on government as a primary justification for tax exemption.
"Why Are Churches Tax Exempt? ... because churches support their communities in numerous ways. Many provide social services, such as shelters and food pantries. They often provide assistance for low-income families, including free afterschool programs." Source: https://www.taxdefensenetwork.com/blog/why-are-churches-tax-exempt-in-the-united-states/
"Churches have historically played a significant role in alleviating societyβs burdens and lessening the need for government involvement." Source: https://www.gotquestions.org/churches-tax-exempt.html
"In local communities across America, churches, faith-based schools and other similar nonprofits provide assistance, benefits and resources for people in need. After all, churches go above and beyond providing spiritual guidance for their members. They often offer essential services, such as financial assistance for low income families and the homeless, child care for working parents, educational and workforce training programs and a host of other critical community aid. State governments β as well as the federal government recognize the profound impact and countless benefits that churches and nonprofit organizations provide. Thatβs why they exempt them from property taxes and many other tax burdens. ... Churches and nonprofits ease the monetary burden on government by offering services that would otherwise fall to the state, and they usually deliver services and help much more efficiently." Source: https://firstliberty.org/news/church-water-tax/
"... tax exemption for churches brings great and often ignored benefit to society. To tax churches would be to diminish that benefit so substantially as to cripple it, thus adversely affecting the common good of innumerable communities and, in aggregate, the nation. ... Churches minister to the poor and needy in the community, provide numerous social services for the downtrodden among us, and reach out to the 'least of these' in thousands of different ways. The social benefit theory justifies tax exemption for churches as a kind of bargain β churches provide needed services, so they are entitled to tax exemption β¦" Source: https://downloads.frc.org/EF/EF15G88.pdf
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