Hey guys, what is up? Welcome to my channel. Make sure you have your cup of coffee with you, a snack. I have my tea with me. Today's going to be a long video. I am going to be doing my 2020 mid-year favorites. So if you are interested in seeing the products that I have been loving the most these first six months of the year, then just keep watching. So, um, I cut my hair like 10 inches. It just happened and it's a bit of an adjustment for me. I've had long hair my whole life, but I felt like changing it up. We've been in quarantine so long, we've all gone so crazy, and I figured the way that the world is going and the numbers are going probably won't be able to get my hair cut for a while.  Anyways, let me know what you guys think. It's definitely a different look, but I like it. It's something new. I saw a few of my friends here do this video, and it had not even crossed my mind to do this video. I was not emotionally prepared at all. I saw Rick Clark do it, Charlotte Hockroff do it, Hayes Jacqueline do it, and amongst others. This has been quite a popular video, and like I said, I was not mentally, emotionally, physically prepared to do this at all. This is a big video for me at the end of the year, every year, and it stresses me out every time going through my collection, looking through my videos to see what products really stood out to me. So in a short amount of time, when I decided to do this video, I was like, well, I got to go through my videos and my collection now to see what I've truly been loving this month. It is a lot of products. I have a lot of love for my products, so I didn't want to leave anybody out. And keep in mind, there are a lot of other amazing products that have come out this year that I really do still enjoy, but I really tried to narrow it down to products that I find myself consistently reaching for time and time again. So just because I don't mention something doesn't mean it's not good, or I don't love it, or I don't use it, it's just I wear a lot of makeup, and I play with a lot of makeup, and these are the ones that I really have noticed have stood out. So we're going to start off with primers. I only have one primer that has really stood out to me as far as newer releases and newer purchases go this year. And that is the Tatcha, the liquid silk canvas. I love this. I did not like the original silk canvas that came out, but I love the way that the smells. I love how moisturizing this feels on my skin. And I just love the base that this lays out for makeup. I really do feel like it makes a difference. So if you didn't like the regular silk canvas, I do recommend you get a sample of the liquid silk canvas because I feel like it works better than the original and it feels better and it's less messy. And I really get the hype about this. I think it's amazing and I've used it a lot this year. It's one that I've had to put down so that I can use and give love to my other products because I love using this so much. Next, we have foundations. And I actually realized I haven't tried that many new foundations this year. Of course, my tried and trues are always with me. They're always my most used, but these are two foundations this year that I have found myself putting them into my regular rotation. So this first one came out early on in the year and this is the Bite Beauty Changemaker Foundation. And this is one of those secret guys that kind of slipped in. I was using it a lot without thinking about it. Didn't realize how much I loved it until I opened my drawers and I was like, oh, I've used this nonstop. I love this because it is so lightweight. It's great for every day. It's not a particularly glowy foundation or anything, but I think that's what makes this so appealing to me because I know I'm not going for a specific type of look. This is going to go with anything. It's going to wear well. It's going to feel light no matter where I'm going, no matter the temperature, and it's just going to look good and even everything out. So if you're looking for a really nice natural foundation, I do recommend this. This has a lighter side of a medium coverage. You can build it up from light to medium. You can't go higher than that. So if you like lightweight foundations, I really enjoy this. I feel like the reviews on this were kind of hit or miss. Clearly for me, this was a hit. I love it. I think it's awesome. The other foundation, this one I got a couple of months ago on sale and this is the Gorlon L'Ecentral Natural Glow Foundation. I have mine in the shade 03N and I love this. This is the foundation that I'm wearing right now. This is definitely more heavy duty than the bite one. So this is kind of my, I want my skin to look really good kind of foundation. It still is quite natural. It gives a natural finish to this skin, but the coverage I would say is medium, not quite to full, but it's a medium coverage that you can definitely build towards full. And it really just perfects the skin. It wears really well and it's just a reliable foundation. So I've been enjoying this ever since I got it. I think it's a really fantastic foundation. I like the smell. I like the bottle. It's very different. I've just been grabbing for it. This should come as no surprise to you guys. In fact, I've used it so much that it definitely feels like this with concealer has been around forever, but really it did just release this year. And this is the Pat McGrath Labs concealer. This is currently my all time favorite, most used concealer of the year. I think it gives you pretty much a full coverage. It doesn't crease on me. It looks natural while still covering up your blemishes. I have it in a skin tone color as well. My under eye corrector color is LM9. My skin tone corrector is LM12. And I just think this is the Bees Knees, one of the best concealers I've ever used. It's up there with my Armani and my Born This Way. I just cannot stop using this. I've talked so much about it on my channel. I'm just going to keep moving on of course to the blurring powders. Again, my favorite powder of the year. I have the shade media for my face. I used it to set my face today. It blurs everything and then I use light on my under eyes so that it keeps my under eyes awake. Very blurring powder. So finely milled. Really it smooths and perfects the skin. And I wish you'd come out with a bigger size of these. I just use them so often. They are amazing. All right, bronzers. I have two. It seems that a lot of bronzers have come out this year. I'm waiting for my Gucci to come in the mail. I haven't come yet. But I have two that I specifically noticed I've been grabbing for a lot. The first is from Costas. This is their light bronzer and it is so stunning. I love this because it has a little bit more of a natural sheen to it while also making me have some color as well. It's not too warm. Bronze is a little bit more neutral which I think makes it more versatile for more makeup looks. It still shades my face. It contours. It adds warmth but nothing too far on either spectrum. And then of course it has this beautiful glow to the skin that's very natural. It's not overpowering but it still gives your face some dimension. So I highly recommend this one. I've been loving it so much for every day. The bronzer I've been going for when I want something a little bit more warm, a little bit more dramatic and heavy duty is the Charlotte Tilbury airbrush bronzer in number two medium. This is the bronzer that I went for today. So if I'm going for like a really bronze look or I just want to look like I came from the beach, this is where I go for. It's a bit too matte for me. Like I like a matte bronzer but I think I got so used to the Costas that I'm like give me all the glow. So sometimes I'll go in with a little bit of a bronze topper or some sort of shimmer topper. I did not stay and it still is gorgeous. It blends beautifully.  This is a bomb.com bronzer. It blends out so beautifully. Charlotte Tilbury has a wonderful powder formula as we all know. Moving into cheeks besides eyeshadow palettes, blushes definitely had the most in the category. I love blushes. So the first one are these Shanta Kai blushes you guys saw when I ordered from Neiman Marcus's sale. I definitely picked up a couple of these and I absolutely fell in love. These have a huge cult following. So many of you guys swear by these and for a good reason. The formulation on these are beautiful. The color is beautiful. I have Bliss which is this very, very light pink. Definitely not for more medium to deep skin tones but I feel like a nice soft pink. This is gorgeous. And then I also have Emotion which is the B1. This is more of like a coral-y color. I'm wearing this one on my cheek today and there really isn't a powder that I feel like blends smoother onto the cheek than this. It deposits the perfect amount of color. Just a touch of glow. Everything from the embossment in here to the way that it applies to the cheek blends into the cheek and also just looks and sits on the face. I love these. We also have the Dior Backstage Rosy Glow blush and I got mine in the shade pink. I've talked about this time and time again. I'm a huge pink blush girl and this has definitely been my go-to blush whenever I want a bright pink cheek. I wouldn't say that the formula is anything crazy exceptional other than the fact it's just good. It's a gorgeous color and you know that you can rely on it. I like the packaging. It's very nice and small and it's the perfect pink color. So if you like that pink blush, you're going to love this color. I also think Dior has one of my favorite formulas. Like I said, this one isn't anything special but it's solid. It's great. That's why I love Dior's formula. Moving into drugstore cheek options that I've been loving. This should be no surprise to you but this year I discovered the only healthy hue blush in the shade Nearly Nude. I did see they have a few more colors. I need to go pick those up. I just love this one so much. This is the perfect everyday neutral nude kind of color and what I really like about these mostly are the finish that they have on the cheek and how easily they blend and apply. They really apply like butter on the cheek and then the finish is so natural and healthy. It does have a noticeable glow to it without being shimmery and I just think this is the best product I've personally ever tried from all my. It's incredible. I didn't get a chance to talk about this too much on my channel. I purchased it later when it was released but it's something that I do find myself reaching for a lot and this is the Physicians Formula Butter Collection Palette with Whaley here on YouTube. First of all, I bought the KC Homes that came out a year or two ago and I really liked it but I just thought it was so chunky. I love how this is thin. I feel like Physicians Formula's packaging in general is quite chunky so this was nice and slim here as Whaley if you don't know who she is and I just love the curation of colors she put in here. I was able to try this new highlighter formula. I am using this highlighter on my cheek today. I'm not crazy about the highlighters. It's more so the bronzers and blushes that I'm obsessed with but the highlighters are bad either. I love the neutral blush tones here and I love the butter bronzer of course from Physicians Formula. I think they have a really nice unique powder formula in their line and this I got on sale as well so it was very affordable to get so many of these Physicians Formula products in this palette. I just think this was such a steal and I love the colors and quality of everything in this. Moving on to individual highlighters. I noticed both of them were pink based highlighters. I didn't think I would ever love pink based highlighter so much but I think because I love pink blushes so much I've been pairing them so much with pink highlighters. So this first one is the Givenchy shimmer powder in the shade Shimmery Pink. I bought this from Neiman Marcus as well. I got a lot of great stuff from Neiman Marcus if you can't tell during that sale. But first of all look at the embossment in this. It is absolutely stunning. The pink one is definitely harder to get a hold of. I noticed they only had like one left in stock on Nordstrom but I just love the formulation of this. It's really soft. It's not too blinding. You don't get too much on your brush at once. So it really is a buildable formula but when you turn your face it's very smooth. I'm not wearing it right now but it's very smooth. It gives the perfect amount of shine to the face without being obnoxious and it just really blends into the skin. What I look for a lot in highlighters is how does it blend into the skin? When I take my brush and I buff out those edges do they go away? Does it stay? Does it blend in? And I just feel like I have a really good time with this one. This next one is from Dior. This one again really really hard to get a hold of. They have the coral one a little bit more easily available. This rosy vibes highlighter from the Glow Vibes collection from Dior. This is one of my all-time favorite highlighters now and by the way these two together are incredible but this is just a beautiful formula and Dior really kills it with their highlighters as well. I think they have a stunning formula and just away again it blends into the skin. I don't know how much else I can describe a highlighter other than it smooths the skin out. It gives a perfect amount of glow and it buffs into the skin. So both of these are great formula highlighters and I've been loving them. Now let's move on to eyeshadow palettes. Of course this is the biggest category because eyeshadows are what I look for to most in makeup. They are the releases that I buy the most of that I review the most of and I just I'm a bit of an eyeshadow expert. What can I say? The brand of the year so far has really been Charlotte Tilbury for me. I've been loving all of her products that she's released in the past, loving all of the new products she's been releasing. She's the brand of the year so far if she keeps it up. I spent the last three months really wearing Charlotte Tilbury any opportunity that I got from my Charlotte Tilbury rankings video so because of that I have a lot of Charlotte Tilbury quads that I wanted to mention but I just decided if you want to see these palettes in action, see the specific names, how they look, check out my rankings video. I literally just posted it last week and a lot of these palettes that I'm speaking of, I bought them this year and I fell in love with them. First the newest collection that she came out with which is the color magic collection. Those are an amazing formula. I feel like those eyeshadow quads were even more buttery blendable smooth. My favorite from there was green lights and mesmerizing maroon and then I also got to try my top three favorites Queen of Glow, the Bella Sophia and the Golden Goddess. All five of these quads have been my favorite but I don't want to talk about those too much because I just did a video and also of course the pillow talk instant eye palette has just been one that I've been reaching for a lot whenever I want to go for these pinky tones. The quality of this is so fabulous and I was surprised actually at how much I ended up loving this one. I didn't think I would love it as much as I did but I just feel so inclined to reach for this one. I actually have a couple palettes that I'm very surprised by but these really are ones that I have reached for a lot without even thinking about it. So this next one is the Natasha Denona Love Palette and this one when it came out and I reviewed it I was like it's a nice palette but how often am I going to reach for it? It's so red all of that. Well let me tell you I've been reaching for it a lot you know based on the amount of palettes that I have in my collection. This one definitely outnumbers a large amount of them. I found this year I've really been enjoying going for like colorful pinky purpley kind of eyes and this just has just what I need. I feel very comfortable reaching for this palette. It's definitely one of my favorite in this packaging and this was a really surprising launch for me that I ended up very much enjoying. This one is probably the biggest shock to me though. This is the BH Cosmetics Summer in St. Rapé. This is actually on sale at Ulta for $8. They're probably trying to get rid of it but it's been one of my favorite palettes this year which is crazy and you wouldn't expect it from me. You really wouldn't. The colors in here are just so bright but honestly I cannot get over the quality of this palette and how inspired this palette makes me feel. There are so many looks I've created with this palette. There are so many looks I want to create with this palette and it's so affordable. The quality of this is exceptional. The shimmers are gorgeous. The mattes blend beautifully and just the color story here. I feel like the colors blend into each other well. I've used this a lot. I've talked about it a lot. It's a great palette. The Vizier Art Paris edit has been one that I've been reaching for a lot. This is more mauve kind of purpley tones. These are the colors that I love to go for on a daily basis so that's why this is one of my favorites for this year. I just think it's the most beautiful color story. So soft, so feminine, so easy to apply to the eyes. Quality is there. Color story is there. I feel like this is me in a palette so this has definitely been one of my favorites. Of course, of course, of course Divine Rose 2 from Pat McGrath. I could never forget this one. It's not my kind of color story. For me it's a bit too bright but honestly I really feel like this has been challenging me and inspiring me to play with different looks to see what different looks I can get out of this palette and really there is an abundance of different looks that you can create and it even surprised me. So this one I keep grabbing for because I want to see what I can do next with this palette or what look I can get or what I can do with this color. How can I pair it with other colors? So I've just been loving this one a lot. I had a good feeling when she revealed it and it's been incredible. The last one. Now this one I haven't used a lot but I know it's going to be used a lot as the year goes on. So I figured I might as well mention it anyways and this is the Natasha Denona Bronze palette. Again, a very new release but I know I'm gonna get such good use out of it. It's such a good palette. Great quality. This is the palette that I'm wearing today.  So this is one of the looks you're going to see. I just love it. It's so boring. I wasn't particularly excited when it released but even I knew I was going to use it a lot and the quality is phenomenal. The colors are great. It's just a palette that you want to reach for when you don't know what to do with your makeup because you know this is always going to look good no matter what colors you mix. It's a good palette. So that's all we have for eyeshadow palettes. There is a specific type of eyeliner this year that has really changed my perspective on eyeliners to be honest and these are the Charlotte Tilbury Magic Liner Duos. I have all of the ones that she came out with. I don't know where my other one is. I think I'm missing my maroon one. I'm missing my plum one but just know I think these are really awesome. Now the formula on these I wouldn't say are the best eyeliner formula I've dealt with. I feel like the metallics sometimes can struggle to show up especially in the waterline. The matte side definitely stays put. It's just not the easiest to glide on the eye but they really stay put which is awesome. More so how I feel about these is I'm thankful for them for inspiring me to use colorful eyeliner in my makeup looks and it doesn't look crazy which is crazy. I've been reaching for these a lot. Every time I want to do eyeliner that's not black these are what I go for. They are awesome. Highly recommend and even if you don't want to spend the money on these look into color pop eyeliners and you'll see what I mean. It's been really fun just to play around with eyeliner that's not black and it's not as crazy as you think. The new eyelashes that I discovered this year are from Ardell and they are her naked lashes line. If you are looking for great everyday falsies that almost give you a lash extension effect these naked lashes are incredible. Right now I am wearing 421. They have a few different styles but I've only tried 421 and 424. They are so natural looking. You can't even tell they're falsies but they just make you look so much prettier. They're so easy to apply. They blend into the lash line so easily. I cannot speak enough goodness about these. I need to buy these in bulk and put them in my makeup kit. They're that incredible. Now let's move on to the lips. Honestly I'm surprised I did not have as many lip items for you as I thought I would. I'm very good about sharing the love with all of my makeup mixing up my routine but when it comes to lips I definitely stay in my comfort zone and grab for the same things over and over again and those things I was using last year. So I don't want to mention them again but you guys know I love my Natasha Denona, my Charlotte Tilbury and my Becca. Those are my top three formulas so I always reach from lipsticks from that line. I've been using lip liners a lot this year so I discovered the Wayne Goss lip liners. I think his lip liners are incredible. They're actual lip liners. Nowadays in these times a lot of brands are creating creamier lip liners when traditionally lip liners are a little bit more dry because they're supposed to make your lipstick last longer and if they're too creamy sometimes they can slip and they don't really do their job as a lip liner. These Wayne Goss lip liners are traditional lip liners. They're a little bit more dry but they do their job and I love the colors that he has out so far. I'm wearing Sapia on my lips right now but I also love mauve and natural berry as kind of everyday lip liners and I just think these are a great step back into the basics. They're very similar to the MAC formula if you're familiar with that. Another lip liner that I use literally all the time this year. This is the BFF lip liner from ColourPop. It's literally just my perfect everyday color. It's a little bit more of a creamier formula but these are like five bucks so who can complain about that and this is just the perfect everyday color. So if you're looking for a starter lip color from ColourPop, BFF or any color from the BFF line you're going to love. I did pick out one new lipstick formula that I did discover this year and I just love his line and his formula. So these are from Artist Couture. Right now I am wearing Saucy Gal so I only have two and I wouldn't say this formula has anything really innovative or special other than it's just a solid formula and it smells amazing. It has like candy scent to it. I don't know I've never smelled a lipstick like this but it's incredible and his colors are what really stands out to me. These nudes are everything. So Saucy Gal is kind of my more everyday neutral beige and then we have Angel Baby which is dark lip liner on the lips and then a light baby pink like this in the center to really make your lips pop. I love both of these shades. If I didn't already have the lip collection that I have I could totally pick up more shades from this line because best nudes. Finally lip gloss again had a lot of lips glosses to play with this year but I definitely find myself going back time and time again for Pat McGrath lip glosses. Now I do believe they were probably in my favorites last year but I have picked up even more this year so on the Pat McGrath website which I don't know the sales going on still but it was today you can get 20% off but on her website she has a lot of little mini trio glosses and so I went nuts and bought all of them and I just keep reaching for these glosses. They're so good so I recommend you get the minis. Right now I'm wearing flesh six for that final gloss. There isn't a gloss that is so shiny fills in your lips. It has a pretty good longevity for lip glosses as well. So smooth so comfortable really hydrate your lips fabulous formula. I have quite a few. I definitely have more than this but here are all of my minis and where I keep them I just want to talk about the minis. Also my favorite most used color this was definitely my favorites last year. It's Dare to Bear it's just the most perfect nude but glosses are one of her best products in her line and I think they get overshadowed by a lot of her other products but really I needed to shed some light on her glosses because they are all I've been using this year. That was it you guys those are my favorite products of 2020 mid-year. I'll be very interested to see what happens the second half of the year because we all know the beginning did not go as we had anticipated but I definitely had a lot of time to play with my makeup at home and these are the ones that I've been wearing at home a lot. So thank you guys so much for watching my channel. I hope you guys enjoyed it. Make sure you check out the other videos that I linked below if you are interested in this topic and I will see you guys in the next one. Bye guys have a good one.


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So the Yankees win this one ten to six and they win another game with the opener They're now six and oh in these situations and the best of the best so far in this game Obviously was Chad Green and he makes you think of the possibilities of what he can do in any situation Well, it's true He seems to be all the way back and that is a huge weapon for the Yankees to have and Considering the fact the way he started this season they had to send him down to triple a to kind of work through some mechanical issues He's come back with a bang He's all the way back and what a weapon to be able to use that when you have so many injuries in the rotation To be able to employ that opener strategy with him exclusively Truly paying off for the Yankees and that's the Cortez picks up a second big league win And you know I had a pitch through a rain delay as well And you know what he does his job. He does he's still fun to watch He gave up a couple of uh, I don't know if they were cheapy home run Certainly Yankee stadium porch jobs on on the mariznik home run, but you just love his style He's fun to watch for me. I mean maybe I'm a little biased some of a pitcher who kind of pitched like that But you know, I like what I see from him. You kind of want to see more He works fast throws strikes changes speeds changes arm angles And he's two and all and it's easy to pitch when you have a lot of offensive support Yankees at the outburst with the six runs again and four home runs and and iron judge also joins the team tomorrow So it could get scary. Yeah, that's exciting. I mean, there's no doubt about it I mean the fans us everybody wants to see Aaron judge as part of this team out on the field But I mean they're throwing up big numbers. I mean, uh, they came back from that home of that road trip and this home stands so far Offensively they've been really good and I could see that you were impressed with and karnasian. He's not just a power hitter Yeah, I mean, I I've seen more in the last couple days of the type of hitter. He is he adjusts with men on base He'll use right center field. He's a much quicker bat. I just thought he was kind of a muscle guy But I tell you one thing he is a good hitter. He's got a good idea what he's doing at the plate


My first favorite is Aerolo. This is a great app. You can use it to download an electronic SIM card. Yes, eSIM technology is a thing. You no longer need to have a physical SIM card. You can use this app to search for your destination and then buy an electronic SIM card immediately. I still like to use a physical SIM card because it's usually cheaper. But I tried eSIM technology in Guatemala and France and it worked really well. So I like to keep it as a backup in case I get to my destination and I can't buy a SIM card immediately. It works really well. My second favorite is AllTrails. Every time I travel to a new destination, I like to go for a hike or two. And AllTrails does a great job of showing you trails in your area, in addition to giving you a lot of valuable information about the trail itself. So information about the elevation gain, the distance, how much time you will need to complete a specific hike and you get to see reviews from other hikers who completed that specific trail recently, which can be super helpful just to have an idea about what to expect on the trail, any wildlife encounters maybe. But AllTrails is great. It's got a lot of wonderful features and I like to always use it as a backup map when I'm hiking. And it's got two features that I love the most. The first one is when you have the pro version of AllTrails, you can even use it to track your progress on the trail. And the app will even notify you if you are off trail, which is super helpful if you are a beginner hiker. And then the second feature that I love the most is something called the Lifeline. So Lifeline is a feature that you can use to notify someone that you know about where you are going. So a trusted person or a partner or family member, you can use the Lifeline to share with them the exact trail that you are going on. And then the app, once you have service, it will send them a notification when you start. It will send them notifications with your progress on the trail.  It's always important to let someone know where you're going, right? This one goes without saying just to find your way around. But what I love the most is being able to download an offline map if you don't have access to the internet. If you're not familiar with how that looks like, it's very simple.  And now once you have that map downloaded to your phone, you can use Google map to navigate in that region, even if you don't have access to the internet, which can come in really handy. Next one is Google Translate. Now only to make communication easy, but I love that Google Translate has great AI to help you understand signs that are not in English. So if you are traveling to a new country, hiking or even exploring around the city, you can't read the sign. How are we going to solve that problem? I'm going to show you how and we're going to test it right now. So with Google Translate app, as you can see right here, usually you would type a sentence, but then they have other ways of translating. So there is a transcribe, conversation and camera. Camera is the one that I like using for signs mostly. So I would go to camera. Here I wrote two sentences in Arabic. So we're going to try if it's going to do a good job of translating. So you go to your camera and then you specify the language that you want to translate to and from. So I've got Arabic to English and then I'm just going to point with my camera to the sentence. And then I'm going to take a photo and it's telling me exactly the right translation. How much is this dress? What's your name? These are the two sentences that I wrote in here. It does a very decent job overall and it makes navigating your way around new city super easy. Google translate thumbs up. The weather channel. I like staying up to date with changes in the weather. This way I can pack and dress accordingly so that I don't have any surprises. WhatsApp. I can't ever imagine traveling without WhatsApp. I use WhatsApp on a daily basis. I love that you can send text messages, have video calls or phone calls over the internet for free. This is how I stay in touch with my family in Morocco. You will notice when you are traveling internationally that a lot of companies that you will coordinate with or guides or even drivers, they will automatically send you their WhatsApp information. This way when you get to the airports and you're connected to the wifi, you can call them via WhatsApp. WhatsApp is great. And then finally priority pass. I always have priority pass on my phone to find lounges in airports when I'm traveling. It's very simple. So I would go into priority pass up and then I would search for the airport that I'm traveling to. So I'm gonna say, for example, Istanbul travel to Istanbul and then I will have to pick my terminal. So we'll go for international terminal and then it's going to show me the lounges that are available for priority pass. So I've got IGA lounge and then there's another one called IGA sleep pod, which I'm honestly very excited to try at some point, but you get an idea about what lounges are accessible for you. If you're not familiar with priority pass, I have a full video talking about it in details. But basically priority pass is a program that allows you to access thousands of lounges around the world by having a subscription with priority pass or by using one of the universally known travel cards like the chase reserve or American Express card. Some of these travel cards will give you access to priority pass lounges. Again, I have more details on this video up here that you can check out. These are my favorite apps I can ever imagine traveling without them. If you have any suggestions or apps that you enjoy, leave them in the comments. And if you enjoyed this video, give it a thumbs up, subscribe to the channel. My name's Habiba. This is tracking pals and I will see you soon on a new adventure. Bye.


What's up guys Sam Sulek is apparently still alive So maybe this time around he'll give us some more insight to his crispy cream diet And the only reason I'm doing this guy is because this got almost one million views in less than a week I've never really seen a video Related to bodybuilding or fitness or Dave eating and stuff get that many views in a really long time. So There they are crispy creams a Little bit late to the game But I mean I did promise that I'd do a full-day beating before the bulk ended and I already did one so It's a bright and early Well the clocks on the oven are still wrong. I haven't reset them, but it's bright and early noon on a Sunday So breakfast is gonna be the remainder of this gallon of whole milk. I Waited out. So I've got it on the food scale right now.  So this is the breakfast meal number one I I'll add up all the macros. I'm having a hard time thinking of how you can choose worse foods I guess like low-fat or skim milk might be worse, but you know, you have the pasteurized homogenized vitamin fortified poisonous whole milk and plastic and you have the Also fortified the white flour with vitamins and iron filings and crap Crispy cream doughnuts that are made with vegetable seed oils and chemical flavorings and additives This is so so horrible for you if he just bought organic milk from the grocery store and Went to a local bakery and got regular doughnuts like just made with butter and flour It would be so much infinitely healthier. You know, we're not even talking about like optimal raw milk with homemade stuff, but This is such a Far cry from being healthy that any step in the right direction is a major improvement I'll keep account Either up here or up here somewhere so This is how much protein it was This is how many carbs and this is how many fats.  I'm not doing anything else.   I went up to the little Like snack bar or whatever I got like three little things of Minute-nade lemonade so 70 grams of carbs each else kind of surprise So that's another 210 car lemonade is not actually like Super horrible for you. It's basically just you know lemon juice and sugar The problem is, you know, what type of water was used to make it and also is it organic?   So salt and pepper high heat olive oil Flipped over probably every minute or two Until it feels right It's perfect. So, I mean if I cut into this fucker and it's like blood ground on the inside I'll just throw it back on and then two packs of Not just the cheap-ass Like Maruchan ramen, right? This is like the It's called Nissan Rao It's kind of fucked.   It's an egg noodle, you know, a lot of people can tolerate eggs and Especially if it's not organic the type of wheat generally not good You know, we do have the organic soba noodles on Frankie's syringe foods And you can also get like high-quality organic noodles, but that's obviously not what he's doing here You know watch some tiktoks and then we can skip to what I'm gonna eat probably That's like his counter so far Which seems kind of insane But I guess most of that was from the Krispy Kreme donuts in the milk pre-workout What do you do you want to sit here and watch me eat it? Maybe I'll yeah, maybe I'll I'll get a little bit of a mid meal Clips for you With the protein. I mean, I'm not particularly concerned. Oh Yeah, we're good With timing right now.   I don't need probably eight or something So I've got some time. I want to get in in a bulking context at least Half of the carbs that I'm gonna eat throughout the whole day. I Really don't want to listen to this guy spout nonsense. All right, so we're just skipping through about like it's an hour workout and then he has a Carbohydrate dextro shake in the car So I mean this guy did nothing all day besides Eat some doughnuts do some cardio eat some steak and ramen then he drove to the gym again So now he's driving back from the gym. Yeah, so literally like 45 minutes of the video like The first two minutes is Krispy Kreme the next three minutes is steak and ramen and then it's like 45 minutes of him driving going to the gym working out and driving back So, I don't know.  So back from the gym showered clean It is it's irresponsibly late because I have to wake up for an 830 and do oh You know, I might even just do the cardio afterwards Just so I can get some extra sleep But I was kind of slack on the protein today.   So 75 grams of the Just the hostile protein powder Yeah, most grocery store me goes bad very very quickly in the fridge When it's grass-fed or higher quality usually it stays fresher a bit longer But it all really depends on how long it's been sitting probably the grocery store is you know By the time the grocery store even gets the meat. It's already three or four weeks old So, you know, Frankie strange me online.  I wasn't really like bulking I was kind of just main gaining but That was a pretty solid dent in my calories for the day one in the morning.  You're lucky.   So there's a nutrient degradation and you're not really replacing it On top of that the foods in general are Usually not as nutritious as their high-quality counterparts because of how they're growing the soil and all that stuff So you're getting a lot of toxins. You're not getting enough nutrients You're causing a lot of inflammation in your body and also very important usually the fatty acid ratios, you know Very high in omega-6 very inflammatory horrible horrible for you.      I'll do fucking.  I would say probably two-fold So if you're eating five thousand calories of this bullcrap, you'll feel better Eating twenty five hundred to three thousand calories of actual true high quality food It's gonna digest more efficiently. You're gonna utilize more of the nutrients.  So Vitamins I just take a night.  It's a recipe for disaster Much hit everything Anyone skate players, I've got some extra Easy and zinc in here Once I got the the Accutane taken with you know fats. That's good for you if you're doing that He's taken Accutane RIP Sam Selleck, maybe I Took Accutane twice completely destroyed my health That's why I originally had to go on the carnivore diet because I couldn't eat anything else and now I'm still recovering from it, but You know the reason he needs to take it is Because he's eating all this crappy food if I had known what I know now 10 years ago If I was just able to follow my current diet in the past I Would have been able to you know fix my health by the time I was like 25 and be perfectly healthy now I'm 30 years old and it's gonna take me till I'm you know 35 to really start feeling better.  This was a skin transformation. I yeah, don't worry. I'm getting my blood tested.  So that's definitely under dermatologist supervision Yeah, I was under I was under dermatologist supervision to it didn't turn out so well I couldn't imagine just doing one at once anymore You know, I'm not a complete freak I remember seeing this clip of like Jujimufu doing handfuls of them.   I do that at night, too, and then I'm going to bed. We're done So I'm probably not gonna do That I'm surprised that's so many calories.   I kind of like the ambiance of the gym so And I think I just probably like being in the gym in general That's it Fucking see you next time goddina So These microphones the Wi-Fi stuff. I mean, it's probably dropping the bucket with All the other radiation is probably surrounded by let's see what everyone has to say This man single-handedly save not only the fitness industry, but long-form YouTube really Is he paying for these comments? I don't know these comments are smelling fishy Yeah, like half the comments are people like talking trash word about him saying how bad it is I don't know. It's kind of weird comment section. It's kind of weird. Anyway, thank you guys for joining me I don't know what the deal is, you know a lot of these online influencers are just kind of Pushing products pushing agendas trying to get people to do certain things and eat certain foods But if you guys do want to support high-quality nutritious foods, you guys can go to Frank dash to fauna calm We got a lot of stuff going on this week guys new stuff back on Frankie syringe me We got the potatoes on Frankie syringe foods Wi-Fi shielding everything's in stock eyes organ supplements. We actually have like healthy stuff That's not going to destroy your body like these regular multivitamins and then on Frankie's naturals We have a bunch of new cosmetic products. I have the Moisturizing cream on my face right now. This is the the whipped shaped water So you guys can check all that stuff out Frank dash to fauna calm But as always guys, please drop a like on the video leave a comment down below Make sure to subscribe and check that notification bell and I hope you guys are enjoying your Labor Day weekend


Hello my people, my name is Meacham, I'm your college counselor, and today we're talking about how much it costs to study in every country that's worth considering for you as an international student. All the numbers I'm going to give today include study costs, cost of living, and all the other extra stuff that one needs in order to study abroad, and we're also going to talk about some of the scholarship opportunities available in each destination. I'm going to be giving annual amounts in US dollars because America created money, so let's get to it. I can't do a good Australian accent, so I'm not going to try for the rest of this paragraph. It ranges between $34,000 a year and about $53,000 a year. A significant portion of this cost is cost of living because the Australian government updated its requirements recently for student visas. You have to show $24,000 Australian dollars or about $17,000 real dollars in order to even get your visa. Students are available in Australia, but they usually only cover about 20-30% of the tuition cost. But quick shout out for my Indian fans, I know there's a lot of you that watch this channel. There's a huge scholarship at the University of Sydney for Indian students specifically that basically covers all of the tuition expenses, so if you can cover your cost of living, definitely check that out. Canadian! Canada has been in the news recently because a lot of universities in the Kebuk province are going to see their prices rise next year, but even with those price hikes, most Canadian universities are not the most expensive options. Overall, the range is between about $20,000 and like $65,000. The prices vary wildly. It really depends on the major that you're going to choose and also where you're going to be. The more you want to be there, the more you've got to pay. University of Toronto, for example, sits at the high end of that limit while a more affordable university at Newfoundland like Memorial University would be at the bottom end. Students in Canada are available, but they are not at every university and they usually only last one year. Germany! Germany is surprisingly one of the most affordable destinations for international students because studies are free for everybody regardless of where you come from. That means you only have to cover your cost of living, which, according to German Immigrations, is about a thousand euros per month, so we're talking about $13,000 a year. Italy! Italy is a fascinating case because it's one of the only countries I've ever seen where locals may actually pay more than international students. People from particularly poor countries, I'm not making that up. That's literally what they call them. If you're from one of those countries, I'm sorry to inform you that you are particularly poor. People from those countries actually get to pay less for their tuition in Italy in public universities. There's a second list, too, of non-OECD countries, so those people will pay a middle rank in a lot of cases. So the range for public schools really works out to about $10,000 to $17,000 per year. Now there are private universities like Ficoni that will take that budget way higher, $30,000 a year to cover your cost of living and tuition expenses at a top private university like that. Spain! Spanish universities will generally set you back about $17,000 a year at public institutions. At private institutions, that goes up to about $20,000 to all the way up to $35,000 a year. However, if you're an international student from one of Spain's former colonies, you can actually get a discount. It's Spain's way of saying sorry for taking all your gold. Private universities, on the other hand, could offer bigger scholarships. Check out IE University, which has up to 75% scholarships, although it is still the most expensive university in the country. So you should also check out the CEAU San Pablo University. They can offer up to 100% tuition scholarships for qualified applicants. And a handful of public universities have scholarships too, like the University of Salamanca or Hayen. Can you do not? Like do something else. For about $15,000 a year, you can study in a French public university. Everybody in France pays the same, whether they're European citizens or not. Downside is that there are basically no programs in English. Hungary! Hungary has been quietly expanding its options into English language. The total cost ranges from about $8,000 a year to up to $20,000 a year, which makes Hungary an extremely affordable option. Cost of living over there could be as low as $600 a month. And they can make it even better with their state-sponsored scholarship, the Stipendium Hungaricum. Almost every program in the country is covered by this Stipendium Hungaricum. Not only covers your tuition expenses, but it also gives you a stipend for your cost of living. So, if you're looking for a full-ride scholarship, Hungary actually might be one of your best options. Czechia! Formerly known as the Czech Republic and home to my great-grandmother, I think. Pretty sure we're not 100% sure, but pretty sure. Czechia, a lot like Hungary, has been expanding its options in English as well. Very low-key, it's an affordable place to go. Studies are free if you want to study in Czech, but I mean, your odds of being able to learn that language good enough to be able to study in it are pretty low. These options range between about $1,000 and $6,000 per year for studies. The cost of living is also very cheap, typically running about $6,000 to $800 a month, which gives us a range of about $8,000 to $13,000 a year. So, Czechia is a really good option if you're on a low budget. I'm dripping all over the place. It's so hot. Y'all don't know. But I'm still here. Still doing it for you. Sweden! Yeah! Let's start with our Nordic countries here with Sweden, mostly just because I love their website. It's so friendly. It's got emojis and it's like, yeah, we know some things are expensive, but look at that other one, sorry. Sweden is free if you have an EU passport or you're a citizen of the EEA, but otherwise you're looking at a pretty expensive range of about $20,000 to $45,000 per year. Denmark! Denmark is not only free if you have EU citizenship, but they actually pay you to study in the country. If you're not a European citizen, though, you don't get paid to study there and you're gonna have to pay about $20,000 a year for your studies and your cost of living. I covered this before in my how to study in Denmark video, but one thing happened shortly after that video, which I'm sure is because I made that video. Like, obviously the government of Denmark is keeping an eye on this channel. I'm sure they're one of my many subscribers. So now your options in English are a lot more limited. There are still some programs in international business, some engineering courses, a little bit of arts, and actually a lot of music programs. Norway! It ranges between about $20,000 a year for the cheapest majors, all the way up to like $60,000 a year for really expensive ones. But on the bright side, you can study things like Arctic Adventure Tourism. So if you've got a rich dad and you love the cold, go to Norway. Finland! No, not a Finland! Finland is free for EU citizens, but it does charge about $17,000 to $30,000 a year for other international students, depending on what you want to study. The United Kingdom! At its cheapest, studying in the UK at a smaller university like the University of Wales is going to cost you about $32,000 a year. But most of the time, it's going to range between $40,000 and about $60,000 a year.  But even if you have a UK passport, you don't get that discount automatically.  UKVI office that handles your visa process calls for about $13,000, which is like $17,000 in real money just to show that you can afford to live there for a year. UK is really only a recommendable option if you're like filthy rich. There are scholarships, but a lot of times they only last one year, and the few full rides that do exist are just really rare for undergraduate students. I think that's all the countries. Um, I don't think I forgot, like, anything. The United States of America! I didn't save this one for last to make you watch the video longer, because I know you won't anyway, I know I'm gonna put chapters and you're gonna skip to this part, so if you just got here and you ignored all the other countries, uh, you've already made a mistake. You should have gone back because there was a full ride scholarship in Hungary that you totally missed. It's time to talk about the United States of America and how much it costs to study there for real. The United States is the hardest system to explain, because there are prices on websites, but those are not usually the price that you're gonna pay at the end of the process.  So public universities are usually $40,000 to $60,000 a year. Private universities typically start out around $50,000 a year, but can go all the way up to like $90,000 a year, which is insane. There is no undergraduate degree that is worth $90,000 a year. But that's the sticker price. That's the price they want you to pay. But the real price is gonna be a lot lower. In practice, most universities, public and private, are gonna have some kind of scholarship that they can give you, which is automatically awarded upon admission. The exact amount will vary depending on your profile, but the truth is you can end up paying a lot less than what you see on the website. After considering merit-based awards, most of the time your average is gonna be around $26,000 to $36,000 a year for a public university. Sometimes they'll even give you a scholarship that exonerates you from paying the extra out-of-state rate. I covered a few of those options in a video I made a while back about out-of-state tuition waivers for international students so that you can pay the same price as residents do. Some of those offers may not be around anymore, but do your own research, take a look at the list, maybe you'll see some that interest you. Private universities in the U.S. typically give a scholarship to everybody that applies. For example, my student, Christina. Christina applied to Pace University. Pace University has a total cost of attendance of about $72,000. She got a $36,000 a year scholarship, good for four years. So it's like half the listed price.  So the only way to find out what you really gotta pay at the end is to apply and see what happens and then compare your offers. The average person is gonna end up paying between $30,000 to $40,000 a year to study in the United States as an international student. If you're at like $25,000 a year, your options are there. They're limited, but they're there. I got students from Peru studying in Texas, tech for less than that, or in Florida International University with a good SAT score, or even like Augustana College, a private university that gives out some really big, fat scholarships upon admission. But what if you don't have $25,000 a year to spend for four years to study in the United States? Now I know that a lot of the people watching this channel come from particularly poor countries and a lot of you need huge amounts of financial aid. Most of you are searching for full ride scholarships and I think we need to have an honest talk about how difficult that is and what it means for your opportunity. If you cannot cover even your cost of living, like if you have less than $20,000 a year to spend on your education, you're basically stuck looking for full ride scholarships. Now full ride scholarships can be available at some private universities. For example, Illinois Tech has a few that they can give out every year. But most of the time you're gonna get this through financial aid for international students, there are only about 50 universities in the United States that promise to meet 100% of demonstrated financial need for international students. They're need aware universities, which means that the more you need, the harder it's gonna be to get in. A lot of these smaller liberal arts colleges just don't have the money to provide a ton of full rides for international students. So that kind of leaves us with just a handful of options which are your Ivy League schools. The most prestigious universities on the planet, they have billions of dollars in their endowments and they're able to provide full ride scholarships to everybody. They don't, but they could.  So there's thousands of applicants, just like yourself, applying to these universities and only about 2% of students are gonna get that full ride scholarship. So even if you are an amazing student and I'm sure you are, you're competing against a ton of other amazing students. I don't wanna be discouraging. I hate to be negative on this channel, like I always wanna inspire people to try new things and to give, you know, study abroad a chance. But at the same time, you have to be realistic with your circumstances. Like if you only have $5,000 a year, it might be smarter to save up for a year or two, go to college in Hungary with a stipend, for example, from the government and get a great education in a well-developed country for a fraction of the price. It's gonna be a lot easier to do that than it is to do what you're trying to do in the United States. Don't put all your eggs in the one basket of Ivy League universities. It's totally fine to try. I encourage you to do that. But you also need to be realistic with yourself. If you don't have perfect grades and amazing SAT scores and like an incredible amount of extracurricular activities, your application is gonna go straight to the garbage. Even if it is possible for you, I would still encourage you to have a plan B. Pretty much everybody we work with in SCORE, for example, who applies to these Ivy League schools is also gonna apply to a public university in Spain where they can work and pay for their studies because that's a viable option and it's much easier to get into.  It's not like the US where it's almost like a random chance between thousands of amazing candidates. The goal here is to help you make good decisions so that you can go study abroad and get a better education and make a better future for yourself. And if all you do is focus on the hardest way to do that, which is Ivy League universities, full ride scholarships, then you're probably gonna fail. Most people will fail. Statistically speaking, 98% of you will fail. I don't want you to be that 98%. I want you to be smarter than that. I want you to consider some of these other options that we've talked about today and make a plan for how you might be able to save up some money or work while you study or learn another language so you can get access to cheaper education. Like there are opportunities for you if you're willing to put in the work to get them. If I missed a country that you are interested in, please leave it in the comments below and let me know because we can talk about it over there. And there are more countries. It turns out there's like 190 some countries out there. And thank you for watching this video. I really appreciate your patronage and it's wonderful to have you here. And if you like this stuff and you want to learn more about studying abroad, subscribe to the channel. Have a great day.


Slush. Are we getting started now? Yes, we are. It's good to be here. I think it's my sixth Slush and I can't believe how much has changed. So congrats everyone is organizing. So we want to talk a little bit about you know Europe's next wave of entrepreneurs and how we can make it better and bigger. So just to start I'm Martin Mignot. I'm a partner in X Ventures. We're a global VC fund. We've been investing in early-stage tech startups in Europe for the past 20 years. And it's been a pretty good wave so far. It started early in the 2000. That's just our portfolio with you know MySQL, Skype, and Bedfair in the UK. Then followed up quickly with a second wave of great billion-dollar-plus companies like King, Criteo, Justice, Supercell. And then you know more recently companies that haven't exited yet on the side. And that's just for our portfolio. You see you can add a lot of companies that unfortunately we didn't invest in like Zalendo, Klaunas, Spotify, Auto One, and a lot of others. So you can see bigger waves of larger companies. So Europe has been doing well in the past 20 years. And one of the reasons is that we've sold one of the most pressing issue that we had when we got started which was a funding issue. So you know when we get started 20 years ago there were very few venture funds, very little money being raised. And if you look at the past four years, the amount invested in startups has more than quadrupled. And with that the number of companies getting funded. So the capital is not the issue anymore. So if you think about those waves and how much money is now flowing into the market, you may think that everything is going great in Europe. And yet there is a nagging question hanging in the air which is where are the giants? Where are the companies that own an ecosystem, structure the ecosystem, invest in R&D, can acquire startups and can be worth not 10 or 20 billion dollars like the companies on the previous slides, but hundreds of billions or even a trillion like Apple is soon going to be. In Europe we are one or even two orders of magnitude behind the large U.S. companies or the large Chinese companies. So we ask ourselves, why is that? And what can we do to change it? And to us with 20 plus years of experience investing in tech companies here, it goes back to one thing. And one thing only which is talent. And how do you get the best talent to not work for Google and Facebook and Microsoft, all the large banks, all the large consulting firms in Europe, but going to the startup scene? There are two main ways to do it. One is I would say the soft part, which is the mission and the culture. And on that Europe has nothing to be ashamed of and can compete. And then there's a second aspect which is the reward, the monetary reward. And when you're a startup, monetary reward, you can't compete on the cash compensation. Facebook, Google, Amazon, they can all beat you on the cash component. The one thing you have going for you is the options, is the upside on the equity value. And that's the area where Europe is behind and where we lack for things to change. We spent the past six months researching and looking at more than 300 companies, their cap table, more than 4,000 option grants in Europe and in the U.S., in our portfolio and outside of our portfolio, and try to compare and benchmark things and see why Europe was behind on that area. And so the result of that survey, which is coming out on the index website, you can check it out, index ventures rewarding talent, there's a physical book and there is also a digital version. We got four key findings. It's a long survey, but there's four key findings. The first one, just to quantify the scale of the issue that we've got, is that European employees, at exit, on average, own half as many options as the U.S. counterparts. So it's about 10% versus 10% on the West Coast. And not only that, but on average, again, those options are taxed twice as much as the U.S. So you get half and you get taxed twice as much. Obviously it's much less attractive suddenly. And not only that, but also most of these options are skewed towards the more senior management versus non-senior execs. It's about two-third, one-third, while in the U.S. it's the other way around. And the last thing is that we have found out from this research is that the differences across countries, across sectors, across companies is just massive. While in the U.S. you have a fairly narrow range and things are very standard, you know, you get 10 or 12% in series A and so on and so forth. In Europe there's a really wide variation and each market operates in its own way. And we think that's not the best way to be competitive and to be attractive for talent. So we are launching that research, which is trying to be the ultimate guide for you entrepreneurs who are setting up your option plans on how to motivate, attract, retain your key talent, but also for policymakers to understand where do you stand. So we took a risk and created a ranking of countries across Europe for the most favorable to the least favorable. I won't give any spoilers now. I think we'll discuss it a bit later on stage in the panel. But that's the goal is to help entrepreneurs and policymakers to make their countries more attractive. And not only is there that guide that is helping you to say how much, to who, when should you give options. We've also decided to go one step further and create a web app called in a stroke of creative genius we call Option Plan. That you can go again on the index website and play with the tool to help you design your option plan. So I'll just show you a quick video to show you how it works and how it can be helpful to you. So go on our website, play with it, and hopefully that will help you out. And just to summarize, I would say our belief is that the best companies will win by being the most aggressive and the most generous with the talent because that's a global war for talent and you have to be competitive. And secondly is that the countries that are the most favorable to entrepreneurship are the one that will be hosting the next giant of Europe and which will make it possible finally to cross the 100 billion bar and potentially the trillion bar and really build a company or multiple companies equivalent to Amazon or Facebook or Google in the US. So thank you. Thank you, Martin. My name is Jonathan Moles. I'm the journalist in the room. Come here, Martin. I'm the guy who's been brought on to grill and stimulate some discussion here on a very important subject. I'm business education correspondent at the FT as well as presenter of our start-up stories podcast. I think about the anniversaries here. It's great to be back in Helsinki and here at the 100th anniversary of independence of Finland. It's actually my 18th anniversary of being at the FT and I was sinking back over the years and when I started I was writing about tech and visiting places like Helsinki. And back in those days, Al Gore was actually thought he was going to be president rather than talking about the current president and Prince William and I had a lot more hair as well. And back in those days, Google was a start-up itself. Facebook didn't even exist and yet now they are among the world's largest companies and there is a question of where are those European tech titans and I think what we are going to talk about here is whether we can stimulate that and what we can do to build the talent to build those world-beating companies. Now to start with Nicholas Johansson who is going to talk a bit about how governments can help in this process and about what you, Nicholas, are doing in Sweden. Thank you, Jonathan. Yes, and thank you for this presentation you have been doing. I hope that Sweden will move up the ranks. Last week, the parliament passed a new neural on stock options that will be available from the first of January in Sweden. But if you look at why from a government perspective in a country like Sweden, of course, having in our whole competitiveness strategy in a country like Sweden and in the Nordic region, we are looking at change all the time. We are small, open economies that you need to change all the time. And the start-up is a great driver for change, all the start-ups. So you really have to find ways in order to attract talent. And I can tell you in countries like, even though countries like Sweden and Finland are maybe not the best at bragging, we do realize with the November whether that attracting talent is not always the easiest thing to do, so you have to compete. Sometimes we thought that the best thing to do is to make people come here and get them hitched, then they might stay. But to find a partner. So we've also looked at some of the soft things, because this is a behavioral model, you know. It's both risk and reward. It's about security. It's about where you want to live. It's not only how big is the benefit when you hit gold. It's also how big is the risk if you fail where our social security systems, our education systems help with that. Basically, you don't have to worry that your kids is not going to get a good education if you fail, if your plans, which most of our start-ups do sometime. But one big element that we also wanted to include in Sweden is that we also want to compete better when it comes to stock options. So that's why we're introducing this new program now. And what do you have an assessment of whether it's a success or not? What are you going to look at and say we've succeeded in this scheme because we've seen this happen or that happen in Sweden? If you're looking at what the thing is like, it's very difficult for a government point of view to sit and say like this is the one that's going to succeed and this and that. But if you look at the stock option program, of course, we're introducing this now. It's the first time we're doing this. And there are, of course, there are always barriers that will meet problems when you do this kind of system, when it's not a general system. This is tax exemption. This is making it easier. We're moving taxation from the excise date to when you actually sell your shares later on and we're moving from income taxation to capital taxation. So basically there's a lot of benefit in that. But then we're not doing it broad. It's not for everybody. It's not for all the sizes of companies. So we're starting with smaller companies with the largest problem. And then we'll have to look and evaluate that. But I think there's, I hear from startups that have been meeting here that there's a lot of people are now looking at how to use this. So, Stefan, if I can bring you in, you have implemented stock option schemes. You've been involved in startups that have run these. Can you tell a bit about what that actually means in practice, maybe what you do at King? And what is the effect? What's the benefit of this? So stock options, it's one tool in the toolbox. There are many other instruments that you can use and that are relevant subject to what stage of development your company is in and also what you want to achieve. I think the key impact is really to make your employees feel and behave like owners because owners behave differently because they might go the extra mile, they might be more passionate and they have obviously a stake in the success of your company and that's very important especially as so many of tech companies and interactive entertainment for us are all driven by teams. So it's not the individual is the team and it's just a reflection of the fact that the team will succeed together. I think government and companies and leadership have a special responsibility to make sure the equity instruments are safe and simple. I've seen many years ago people going into personal bankruptcy because the equity was badly designed and I think that the work that index has done is fantastic because it's providing guidance and hopefully it's going to provide safety to entrepreneurs who don't have that experience as they build their companies. I think governments should be very mindful of what they expose potential employees to because there are very serious potential implications. That's one thing and the second thing is when we had to deploy equity plans inside King we were active in probably six or seven years of European jurisdictions and that has meant six or seven different equity plans. So it's very complex, it's very costly. If you have to take your company public later you will have to collapse every single one of these planning to a single plan and that's going to add to the complexity and the cost and the hurdle of potentially going public and creating a European champion. If you want European champions you need to have a European system for incentive plans and equity plans because as long as you have fragmentation it's going to be very hard to achieve. So you think maybe the bigger goal should be we should have more simplicity across Europe. Simplicity and harmonization of the taxation and the equity structures either for options or for RSUs which are restricted subunits or performance stock but there is an incredibly compelling case for harmonization there. And I think I would say it's a little bit what we're trying to do here as well. Just at least get the data out there so that people can see the massive gaps that exist today between systems across Europe. So at least people can see that's the best in class and the UK clearly is best in class. Sweden coming close now with the new plan and then trying to get everyone to reduce the spread and get closer and closer to best in class. But I'm saying OK, DEU needs to take that in charge and from the top down force everything. Just pushing from the bottom up and really trying to make sure that at least people are aware that this is an issue. That's what the situation is today, that Europe is behind and that countries that are competing against each other and with the rest of the world need to get on board and get closer to what best in class means. Yeah. And what sort of effect can it have, Martin, if they're implemented well? Well, we believe, I mean it's hard to quantify obviously, but we believe that that's the single most critical thing that could happen to the ecosystem because basically what you would do is that you would massively shift the attractivity of the startup ecosystem versus more traditional jobs whether in large tech company or other type of large companies. The talent pool available to startups would increase many fold and Europe doesn't lack talent. We've got great universities, we've got really well educated people but they don't work in the right places. They should become working in the tech ecosystem and that's what we're lacking. Is there an issue that we're focusing on stock options and there are many other things that stimulate people and I think Stefan and Nicholas sort of pointed that people are human, they have families and other things that they want to know that their company is nurturing that bigger self. Yeah, I think that's kind of the cultural element of it and obviously startups are not for everyone, clearly. It can be hard work, intense, insecure. It's not an easy environment but at the same time today the issue is exactly that, is that the imbalance between risk and reward is just totally, you know, it's cute because the risk is high so the reward needs to be high as well and today you don't have that high reward because it's too complex to operate these option plans as Stefan mentioned and whenever, even if you hit gold, as you would say by a company going public then you're going to be very heavily taxed and you wouldn't have had enough options in the first place to really make a difference. So I think those are all of these elements to keep in mind that we're discussing the risk-reward ratio in Europe. Yeah, Nicholas. Yeah, I think that it's very important to not look only at elements like stock options that we really have to broaden the view. We're discussing attracting talent, of course, one of the most important things which I think that day like today is evidence of is like bringing people together from all over the world attracting talent from all over the world, the openness, not building walls. That's extremely important to get that when it comes to when we are looking at how should we attract more talent? We are looking more at Sweden is very good. We can't be best at everything but we're good at some of these soft things and I do believe that we are especially good when it comes to talented women. I think they like Sweden. So that's one area where we are thinking of a target market. I was going to mention this one, Nicholas. There are more men here talking about the importance of diversity of talent for white men and people are motivated by different factors. I mean, on that gender element, is there anything you can offer on what we can do to gain from both sexes? Definitely, when it comes to, I think, policy-wise, there are many, many things you can do to improve equality and basically it's about giving women career opportunities and not having men and women have to choose between a career and family. The things we can do to combine this means a more equal society. We've come quite a way in the Nordic countries even though we have very long still to go but things like that, I told you backstage about this good vision of this picture of an American being in Stockholm, seeing all these men walking around with strollies and saying that, oh, why are there so many male nannies in Sweden? When nannies, they were on paternity leave which is, these are elements that one should put into this equation, I think. It's going to bring up your kids where both can work. It's not just gender. In your company, you have different types of people. Presumably there are people who are going to take risks because of a financial reward but actually encouraging people to take risks. Other people are stimulated by other things. What do you do and can you explain a bit about the different people in King? The majority of people, their main driver is not the financial reward. It's a necessary condition to add to a very compelling mission, a great culture and a great walking environment but to build on the point that Nicolas was making, diversity and inclusion is obviously a dominant theme in the workplace today because it's not only about making the work environment more diverse, it's also retaining the diversity and nurturing the inclusiveness once you have a diverse workforce and in addition to that, it's to make the workplace safe. I think the issues we're seeing right now with the MeToo movement is even if you achieve a high ratio of diversity and you strive for inclusiveness you still have many safety issues in the workplace which are bubbling up first in venture capital then in technology, then in the political circles right now in the UK. It's very complex because if something happens during the weekend, it's not your problem but as of Monday morning at 9am if the workplace is no longer safe and there is awkwardness, it becomes my problem. And we are now spending a lot of time thinking very hard on how we can make our workplace safer how we can provide a very confidential environment where there's no fear of retaliation where the channels are open, the confidentiality is respected and I think that's going to be a very big theme for the years to come in our industry and in the tech industry in general. And Martin, your point about the need for talent to come through and wanting more of this sort of risk taking among people, people getting involved in entrepreneurial ventures what sort of people are you thinking of here being missed at the moment and not drawn into this and how we can draw them in? I think it's across worlds, obviously there is a tech side so everything else which is marketing, comes, PR, finance, ups there's a very wide range of roles in startups it's not all about coders and developers and that's why you need diverse skillset and people who have been working in the hotel industry would be fantastic for working for Airbnb for example so I think we need a lot more of that as well of this cross-pollination between traditional sectors and the tech sectors. I think until we open up the floodgates then we won't have enough talent and the right talent to come work for the tech companies. Yeah, and you're advising a lot of companies as well as companies you're investing in and there are some really big success stories that Deliveroo has unicorn status $2 billion valuation now what do you think those sort of companies are doing to motivate people within them above and beyond stock options? Yes, I mean look stock option is clearly one I think we were always and I'm calling for all of our fellow investors to do the same which is to push the entrepreneurs to not think short term only about the dilution but think long term about getting the best people on board and thinking if you want to build a 10, 20, 30 plus billion dollar company it's going to require a lot of senior people, experienced people and that's going to have a cost for you and you should get prepared to dilute yourself to get these people on board and then I would say in Deliveroo's case the culture is critical they just move for example into a new office and your office space sounds like something logistical but actually for the first time they grow very fast it's very cramped space with rats and mice I mean it was quite disgusting for a long time and for the first time they move into a proper office I would say for the right size for the right team and that's made a massive impact into the kind of people they've been able to attract and retain as well and I think just having something as simple as the work environment is huge but I do think you need both you need the soft stuff that we've discussed but you also need the hard stuff and I think a lot of people are staying at Deliveroo as well because they think there are options that were issued four or five years ago in the EMI scheme with very low strike price on hours, you know, millions and you see it can be like Criteo for example when they went public everyone had options in the company and they made instantaneously more than 50 millionaires and then the company still grew and increased in value so probably more than 100 and all of these people it's only about them becoming rich that's great but most of them are now starting their company investing in their companies and so it's not only about Criteo it's about the ecosystem that goes around it and you see we just reinvested in Criteo's CEO new business and he's obviously reinvesting a lot himself because he's made money from the Criteo story and that's exactly the kind of snowball effect that we really want to get started and that's why options are not only about today and the company today but growing the pie for tomorrow Martin I think we could carry on this debate but I realise our time is up on the screen it feels like there's movement here in Europe maybe we're on the cusp of something in countries like Sweden we can do things but it's a lot more than money it's less and a good office helps exactly can we just thank the panellists here and we're on to the next hack thank you


Our first caller is Abby from Florida. Abby, how's it going? How can we help you? Hi, so just to give you some background, I'm a 5'5 female, currently around 98 pounds. And the last time I checked, I was about 8% body fat. I have a workout program from a trainer three times a week. And my split for these four weeks at the moment is one upper, one lower, and one full body day. And right now, I usually get about 20,000 to 30,000 steps each day. And on the other four days, I don't work out with my trainer. I'll run or walk, on average, anywhere from 10 to 13 miles. And sometimes throw in another full body day on my own on the weekend. Study State Cardio helps me with my anxiety, but I tend to push myself too hard. And some days end up running a half marathon just because I want to see if I can. I'm eating around 1,900 calories a day with 120 grams of protein.  And I take one or two on track meals a week. I'm a recent college graduate, and I'm applying to medical school for fall of 2022. So for the gap year, I'm starting a part-time job next week as an any-time fitness membership experience manager. And on top of that, I also volunteer at the hospital. I know all this exercise isn't sustainable, especially when I'm going to be start working over 30 hours a week starting next week, but I don't really know where to go from here. I recently just finished playing Division 2 college soccer, and I'm not sure how to train for a lifestyle instead of performance. And I'm scared of suddenly getting a lot of fat from drastically reducing my cardio all at once. I was advised by the trainers at school that my body fat's at an unhealthy level, and my cycle's often irregular. I just want to look and feel good and be strong and not ruin my metabolism, but I don't really know how to achieve that. So my question to you is, how do I transition away from so much cardio and implement a more sustainable workout plan slash how should I adjust my macros to reflect less activity? No, first off, great personality. Yeah, I also like long walks at the beach. Yeah, I just want to add that too. First off, thank you so much for calling in, asking us a question like this. Can I ask you some some personal questions if you don't mind? Yeah, sure. OK, do you have you ever dealt with any eating issues or thorexia or anything or anything else? Or would you say that you might have a tendency towards that? No, definitely. I grew up eating really healthy because my mom's a personal trainer too. So I think when I came to college, I was so scared of gaining that freshman 15 that I was like, I'm only going to eat super healthy. And I know probably the first two years of college, I was really restrictive. And I think I've gotten a little bit better about that. But yeah, definitely tendency towards thorexia. OK, yeah, so you're also a medical school student. And in my experience, people who tend to be high achievers tend to self-medicate when they're stressed out with more work and more accomplishment. So some people turn to drugs, other people turn to alcohol. Overachievers tend to turn to challenges, physical challenges, or more studying or more volunteering. Would you consider yourself somebody that would fit in the type A personality type category? Yeah, 100%. So I'm going to give you some advice, what I think you should do, and then I'll answer your question. So this is totally, you can take my advice. It's totally up to you. Again, I do want to thank you for calling in because putting yourself out there is a real tough thing to do.  It's too low for a female. If you haven't already caused yourself hormonal issues. She already is. She's already had irregular months already with her period. Yeah, so then you're causing yourself some issues now. A lot of these can be long lasting. You can also cause yourself bone mineral issues. You can cause metabolism issues, other health issues. But I don't think you should focus on those things or running away from those things because if anything, those are going to drive you in the same direction that you're currently going. So what I'm going to recommend is this. I'm going to recommend that you don't observe body fat, don't observe weight. I would definitely take away any type of intense exercise. Strength training is perfectly fine. Three days a week, perfectly fine. Getting stronger, it's actually great. Focus on getting stronger. And I would recommend that you focus on how you feel and also being with your feelings. Sometimes people have anxiety or stress. And rather than sitting with those feelings, they tend to distract themselves with lots of activity and lots of different things. You're doing a lot. You're doing more than three people should be able to do just for yourself. And you're probably going to crash and burn if you haven't already. So I would scale everything way back. Three days a week and resist the strength. Don't weigh yourself because here's what's going to happen. You're going to gain muscle. You're going to gain body fat. You should gain body fat. As a female, your body fat should at least be twice as high as it is now. So you said 8%. You should be at least, 16 is really lean. You should be at least 16%.  So avoid the scale, avoid those things. And then if you really want to take it a step further, I really recommend that you work with a therapist who's worked with situations like this once a week or even twice a month and just give them feedback. Hey, here's what I'm doing. Here's my nutrition. What do you think? And dig a little deeper. And I promise you it'll get harder before it gets better. But when it gets better, you'll find this balance with exercise and nutrition and you'll develop a new relationship with it. Cause right now the relationship you have with it, although it's taking you away from certain things, it's a stressful one. And that is definitely not sustainable. I think you've identified the not sustainable part. So that's my advice. Now to answer what you said, I would slowly just scale things. If you don't want to go that far, just eliminate the running. Just start with that. Just cut the running out and keep everything else and increase your calories by at least 600 calories a day. That's where I would start if you just want to start slowly. Are you going to leave anything for Justin and I? No. I'm going crazy. I'm going to eat the whole burrito here. I hope you're one on one session with Sal went well. So if you were my client, the first thing that I would actually say to you is I'd ask you what you're running from. If I have a client that's training this much, working that much, got this much on their plate, in this crazy of lean shape already and is still pushing, I would want to dig in. I'd want to find out what it is that you're distracting yourself from that it causes you to do this much exercise. You're already in obviously beyond physical as far as eight or body fat percentage wise in incredible shape. That's also the good side of this. The good side is you're in an easier place to help somebody physically. Mentally, getting through all those hurdles and getting to the bottom of what Sal was alluding to, that's probably going to be the biggest challenge of all this. I mean, simply allowing yourself to have a few hundred more calories and cutting out all the running and extra activity should be easy. It's less work, less effort you need to put forth. But my concern as a coach or if you were my client would be mentally being able to get through that. Something has got us here, right? Yeah, I think that's really it. Most of the challenge here is the mental side to this, is to be able to shift that over into performing as well as you're performing and everything else with recovery and focusing more on what's gonna actually restore your body to keep you going. So to be able to kind of look at how you can increase that within your schedule by eliminating some of these things that you're overdoing quite a bit will actually help to improve all other avenues of what you have yourself involved in. As something more specific as far as training too is if you're not, I don't know what the split looks like that you're running, but I would definitely run a maps phase one, maps anabolic type of a program. I mean, and or something like maps power lift, something where you're focused on getting strong, you're focused on the weights that you're moving, you're not thinking about the scale, you're not getting hung up on your body image, you're not paying attention to that stuff. It's really just about getting in there, training three days a week, trying to get stronger inside the gym. That's what I would do as far as my lifting protocol. Yeah, you know what, Abby? I'll give you something else too, because one of the hardest things to do when you're using something as a distraction or you're medicating with something, in your case it may be exercise, is to just take it away because now it's gone. So now what do I do, right? Sometimes it's easier to replace it with something that is better for you, before you eliminate everything completely. May I recommend Yin yoga or meditation?  No pio.  It's very slow, you're holding positions, you're focusing on your breath or meditation. Sign up for a meditation class. Don't do it on your own. It's gonna be really hard to do on your own. Meditation is not easy, but sign up and take a course or do a class. Those would be the two things I would say that can replace what you're currently doing. That might be an easier step than just cutting things out. Just out of curiosity too, how are you getting 20 to 30,000 steps on a non-running day? What's that, where's that coming from? I walk a lot because I live in Florida and it's nice out every day. Okay, yeah, okay. Okay, do you have maps on Ebola? You're super productive. Do you have maps on Ebola, by the way? No, I don't. All right, we're gonna send that to you. And then, you know what I'm also gonna do? I'm gonna send you the intuitive nutrition guide because in the intuitive nutrition guide, there's a lot of talk about developing a better relationship with food. And I think that might benefit you. Now, I want you to be, I wanna be very clear, this is not gonna be easy. It's not gonna be easy because the direction that you wanna move, although logically and cognitively, I think you know that's the direction you need to go. But making that change is gonna be very challenging. You're gonna have to take a bit of a leap of faith in order to do it. And you're gonna have to be okay with gaining weight.  So that's why I said, get rid of the scale and avoid even paying attention to it for a little while because- Focus on strength. Yeah, because it's gonna be really hard to see the scale go up even five pounds. You're gonna wanna reverse that. Okay, thank you all so much. No problem, Abby. Thanks for calling in. Thank you, Abby. Thank you. Ooh, that's a tough one. That is really hard, especially at that age, at a college. Her mom was a trainer. She's surrounded by it. And it's, how many times have we seen that kind of relationship? I've seen that a lot. And that's why my first thing back, if she was my client, would just be to be very direct. And what is it? What else is going on that we are trying to avoid thinking about that, that you need to do 30,000 steps on what you would consider an off day. And then on days when you're running, you're doing 10 to 13 miles. A marathon when you feel like it or half marathon. Yeah, and then on top of that, getting ready for med school and working. I mean, that's just, obviously trying to stay distracted. I have no idea what from, but that's where the real thing, it's so funny, we're talking about what she wants to know about macros and food and what my exercise program, but the truth is it has nothing to do with that. There's something else going on that that's what you have to get to the bottom of. You get to the bottom of that and those other things fall into place. If you get hung up on, and even our advice, macros, focus on strength, cut back, like still that's the wrong focus. I mean, maybe it's better direction than the current direction she's going, but the real answer lies in figuring out what is it that you're trying to avoid thinking about? She's killing it on a lot of different levels, but it's just too much, like the sustainability and longevity for all these different activities and pursuits. It's just, it's gonna hit to a heading point, which it already is. Oh yeah, it damages your organs. You start to see osteopenia in young women, especially in 98 pounds of 55, 8% body fat. You'll start to see that. Obviously hormones are gonna be thrown off, but here's the light of that, the good side of that is she obviously has the ability to focus and be ambitious. Right. And so if she can figure this out. Yeah, discipline won't be the problem. Oh yeah, if she could figure this out, she's got a lot of success ahead of her. If she doesn't, it's gonna be very, very challenging.  I wonder how long, we should have asked how long it was. Kind of, I wonder, and this is totally speculating, it could be totally wrong right here, right? But I could see a kid, like I could see my kid being this way if maybe my son was born when I was like in my early 20s and I was infatuated with building a body and it was all about body fat percentage. Totally. And I was constantly looking at image of myself and I always had this, imagine being a young kid who you see, you look up to mom and dad so much and this is what you see is what they focus on as like. I used to train a psychologist who said that, because we talked about this, about children developing eating issues and body image issues. And she said, now there's the obvious causes where the parent says something to the kid, don't eat that, you'll get fat. But she said, what's more common is not that. It's not that the parent says something to the kid, it's how the parent talks about themselves. Like, oh, I can't eat that honey, I'm gonna get fat or oh, I don't look good in this bikini and then the daughter or the son, here's mom or dad, yeah, say that about themselves and then they internalize it.