5 MORE Scams that Have Become so Normalized, We Don't Even Notice Them Anymore.

[@samhouston5217]

Whenever I'm buying a car and they ask about buying a warranty, I always act scared and say, "Is this car a lemon? Is it going to break on me? Are you trying to sell me a bad car?....maybe I should rethink this!" As I stand up and feign leaving.

[@Meow4B]

Sis, what’s even worse than those unpaid internships for school credit being unpaid, is that those people are paying tuition for a class that requires them to work unpaid internships. They’re going into debt to work for free. It’s INSANE.

[@Theomite]

No it's genius. Evil genius, but genius nonetheless.

[@cherylT321]

I was trying to work a side job for extra money, working at a home daycare center. The person running it, initially told me when I would be paid and how much I would be getting…Then, a day or so later, she indicated that she wanted me to work for free so she could “try” me out. I told her no; the reason I was looking to work another job was so I could earn extra money…I didn’t sign up to work for free. Needless to say, once I made it clear that she wasn’t going to be able to use me, she no longer wanted me to “work” for her, which was fine with me!

[@Flanelman1]

Student Teaching. You pay a semesters worth of credit hours to be a teacher for a semester. You make nothing.

[@JJ-nn9de]

@@Flanelman1 AND the host teacher gets paid to sit back and watch you teach their class.

[@AKDrummer72]

I was a licensed realtor from 2000 to 2008… I was actually prevented from trying to save my clients money by charging less… Once you understand that the National Association of realtors has one of the most powerful lobbies ever in Washington DC, you start to get the picture. There is no vested interest in “helping you find a home” their SOLE purpose is to protect the Archaic commission structure’s… Fortunately, the department of justice is taking this head on right now!

[@thepro08]

also you failed to mention that the only people making money in real state are the owners of the agencies the agents get a small portution of the commissions, so they just buy a franchise and seat on their asses profiting the lions part of other people work and the most basic necessity there is, to have a roof. all the mortage, banks, inflation, interest... its all a scam.... without inflation aka printing out money from nothing and the companies buying their own stock... wallstreet would exist or even capitalism.... also the mere fact workers pay way more taxes than owners tells you all about the scam that is, in this video she mention that 1% is alot now think about inflation and the taxes you pay... is mathematicaly made to be a financial prison... in the bible the tax was flat 10%....

[@douginorlando6260]

Some more High School courses should include 1… telling jokes to others and groups of people 2… how and when to file in small claims court 3… critical thinking 4… when to not trust 5… how to recognize manipulation (ranging from pimps to professions to governments) 6… practical Jungian psychology 7… internet scams, phone scams 8… manipulative sales techniques

[@douginorlando6260]

9…. Social intelligence 10… how be an effective patient’s advocate

[@slchance8839]

11....how to negotiate price on a car 12....how to argue with a loved one without hurting them 13....how to ask for a raise 14....how to lose graciously

[@jimgillert20]

Stocks and all financial investing taxes etc.

[@Vic-Meow]

All excellent suggestions above

[@douginorlando6260]

What are your rights as a renter, unfair things that the landlord can do, and how to respond. Also the other way around, if you are renting out your property, what’s involved, how to handle problem tenants. Include complete examples including being aware of issues when buying property, evictions, taxes. Etc.

[@kokog8013]

To be honest, this whole system is a scam.

[@AccordingtoNicole]

🙌🏼

[@simply_journaling]

Couldn’t agree more 🙌

[@welcometooaudioland7877]

Amen.

[@smaxrc]

Yep

[@brianshaffneraclc]

And it's never really been different. A very small percentage at the top has been milking the masses all the way back to the time of Babylon. And all of these vicious, polarized conflicts - Dem vs. Rep, boomer vs. millenial, male vs. female, gay vs. straight, white vs. black, on and on ad nauseam - are orchestrated to keep us fighting each other while the actual source of human oppression trundles on as it always has. But hey, it's great to pick a side and feel self righteous.

[@esmbsharp]

I am 80 years old. The portion of your talk dealing with high school is the most accurate description I have ever heard expressed. For that matter, it could be applied to almost all school learning above the 4th grade. The educational system as it is is designed to teach how to teach school, almost none is "life skills" based. Personally, I found most all of time I spent in a class room shear h*ll. I could go on and on, but will stop here....Kudos, keep up the good work!

[@Meow4B]

I’m 30 years younger than you are and I learned valuable life skills in school. For example in seventh grade they taught us how to fill out a 1040 EZ. I was doing my own taxes at 15 years old, and while I may have been able to figure it out without learning it in math class, knowing that I knew how to do it made it far less intimidating than if I had to just figure it out for myself. The high school I went to used to have auto mechanics classes, I think they had introductory HVAC classes, and if you passed those by your senior year you could take classes at the technical Institute/community college/trade school for credits for no charge as a high school kid. The world has evolved since you were in school hun.

[@jercasgav]

I was born in 1985, and high school was an absolute waste of time! School has NOT evolved! I did not have a positive experience. They pushed college and only college as the "acceptable" option, no practical skills. I agree with you, it was a waste of my youth when I was young, healthy, and could have learned and accomplished so much more. Former teacher and author John Taylor Gatto has some incredible books about the history of the public school system and why it is outmoded and intentionally designed as it is to make the masses compliant employees. Thus my husband and I determined that when we had our son he was going to be home schooled. I wanted him ready for the real world sooner than his peers, and not brain washed into limited thinking. He is turning 13yrs old soon, and it has been such a blessing to home school him and give him opportunities we didn't have. And!! He doesn't spend all his days locked up in a sterile classroom bored out of his mind. He gets to see the world, the outdoors, and he still has time for school flexibly built into his schedule. He is currently 2yrs ahead of schedule, but does fewer hours of school than his public school peers (greater efficiency).

[@JillC]

I love school and learning. I don’t agree with people who criticize school for not teaching life skills. There are many ways to learn. Learn by doing! Also I met someone who never went to school. That’s sad!

[@marciamartins1992]

I cut do much class in highschool, if I counted all the days, it's like I graduated in 3 years instead of 4. I still managed to get a useless college degree on top of that. I did it for my dad, he never went to school. He's one of the smartest people I've ever met.

[@rschier1]

@@JillC I like learning, but learning something of USE; that type of learning is almost entirely absent from the archaic institutions that pass themselves of as "schools".

[@renee6524]

Homework is insane. Kids sit 8 hours a day in school and go home and do more work. That is more work than an adult does who works a typical 40 hour week. Kids need time for play, choice, outside time.

[@AccordingtoNicole]

🎯 💯

[@sheshotjfk8375]

My kids just started at a private school. It's the top rated Montessori school in the nation. When we were touring the school I asked about homework. They informed me that the kids would receive ZEOR homework. Said they did not believe in it and it was not beneficial. I couldn't sign them up fast enough.

[@carleenwarrack3271]

Schools/government ensure families and religion will have no time for formation of the child. Only government thought and training is allowed for children in public school.

[@JamieM470]

@@carleenwarrack3271 This. If your child doesn't get home from school until 3 or 4pm, then they have 2-3 hours of busywork/homework, they basically have time to eat dinner, bathe, and go to bed. When do they get to be kids? And why are they working after school in the first place? If there's that much work still to be done after being in school all day, what exactly are they doing during those 8 hours? Being lectured on what to think? Taking pop quizzes---on the chapters they read after school at home---then grading each other's papers while the teacher reads a book, chats with another teacher, or takes a nap? (yes, I have witnessed all of that) This used to make me so angry when my kids were growing up. I spent so much time in the schools & school meetings demanding answers, and never got any. And these days you can't just walk into a school, go down the hall, & peek in your child's classroom. For good reasons, but notice they warn the teacher over the intercom that you're coming. That warning is everything. 😉 The homework that drove me the craziest was the unnecessary busy-work that replaced family time with anxiety time. Writing the same things multiple times.....while at the same time, through all the years of school, doing exactly that was used as a punishment....so naturally the busy-work felt like punishment....which made them hate handwriting. Is that the main purpose of that type of homework? Taking away family time, friends time, & making them hate handwriting? Because that's the main result. Thanks a bunch for that, teachers. I'm sorry for the rant. We struggled financially when our children were growing up; we couldn't afford private school, and home-school was very much frowned upon, discouraged, & bad-mouthed. Not like today. If I were a young parent today, I would make any & every sacrifice I could in order to home-school. Public schools only teach that "wrong-think" must be ridiculed & punished, handwriting is torture, belief in God is stupid, and you should always obey authority figures, no matter how unjust they are.

[@Gypsygirl9]

Wow..Nicole. I too have been very suspicious of why all the homework these days? I feel bad for the kids these days. But I figured it was basically arents doing the teachers job. They should get this stuff done in clasa. But..what you said about it conditioning kis to be ok with taking work home ( so when they are working adults they see taking work home as normal), is another bunch of bs. Never thought of that. AND..it could also be a way to keep kids not exercising, or playing outside...keep them fat and sick.😢

[@dianaray1470]

My real estate agent was awesome when I picked her but when I asked too many questions or wanted to look at more than two houses she turned into a b@&ch from hell. WTF!! Yup Nicole you totally got this one right! Thanks for all of your opinions,thoughts and knowledge. Much appreciated.

[@traceystock7352]

This is the same old story we experienced. They only want your commission. they dont care about your happiness.

[@alinatamashevich3354]

@@traceystock7352 Bingo!

[@bauttiet.h.u.g.5900]

You should only consider/visit 2 or 3 houses at a time. And you should only see homes you are interested in putting an offer on. Other than that you are wasting everyone's time.

[@alinatamashevich3354]

@@bauttiet.h.u.g.5900 In other words making those overpaid slackers do some work? Roger that!

[@sasharadjenovic4230]

Yep!! Had the same experience in Arizona. She showed us a few homes, TOTALLY out of our price range. Phoenix at the time was a red hot market, and when we didn't buy anything in 2 days, she basically told us that she couldn't waste anymore time with us, because she has "serious" buyers that buy on the first day. I always wondered how she did after the last real estate crash.

[@WayneBain]

In 1970 I started a savings account and deposited what an extended warranty would cost on each purchase I made. I thought I could pay for any needed repairs with this money. A funny thing has occurred. I have never had to spend a single penny of my "repair or replace fund". I quit putting any money into the account when it reached $10,000. I still never purchase any extended warranty. My initial reasoning was, "If they think the item might fail, then they would not offer an extended warranty". This thinking has served me very well.

[@kimstagliano8826]

I am so happy to finally hear someone else express the concern about high school. I have been saying the same thing for years. We need to teach high school students what’s a credit score and the impact of student loans. How to change a tire, maybe start a garden etc. thank you for sharing this video.

[@lovemesomeslippers]

My daughter took a personal finance class in high school. These are often electives that high school kids have no interest in.

[@ninabeena83]

@@lovemesomeslippersthat’s the point. It shouldn’t be an elective, it should be built into the required curriculum.

[@troywalkertheprogressivean8433]

They don't teach the history of economics for a reason. And what they do teach is a lie.

[@330DKNY]

If you are going to do that make sure you talk about the significant income increase a collage education makes.

[@troywalkertheprogressivean8433]

@@330DKNY let's ask Bill Gates.

[@anaisanwar8424]

Many years ago there was a class called home ec. The class thought you how to cook, clean, sew, grocery shop etc. that would be so helpful to kids along with writing a resume, job interview skills , basic auto care and how to use tools. That is what kids need to learn. The ability to think, problem solve and execute without having to call mom.! Or trough a tantrum.

[@Theomite]

When I was a kid, Home EC was a dumping ground for the "fuckups and retards" who needed a 7th class. We never knew what you learned in there but the kids were the rejects of the rejects. I went into band to stay away from that class and as far as I know, nobody in those classes ever amounted to anything.

[@AnnAndNala]

@@Theomite It's just one class, not a full-on college degree. That doesn't make sense to say someone who just took a class never amounted to anything. You sound more like you have weird trauma issues linked to your high school Home Ec. lol

[@Theomite]

@@AnnAndNala lol more like a municipality's issue with it. And like I said, this was back in the day, and those kids in question fell into the "fuckups and retards" category so it's very doubtful that the class had much to do with anything. I was just making a point that in the late 20th century, home ec was very different from what it was and probably is now.

[@curtispavlovec]

Good little slave minions have no need for pesky things like basic life skills. Just makes them easier to control. If you ever feel like the entire system is designed around this premise (everything) you are right, because it is!

[@turtleanton6539]

​@@curtispavlovecyes

[@mrsm482]

Thank you, Nicole. Another scam is to pay monthly to keep your photos. I am old and dumb and I don't get it. Am I wrong?

[@bernadettesandoval3990]

No you are correct! Get an external hard drive and store your own photos

[@pascalbruyere7108]

It is not a scam, it’s a choice: you can keep them on a personal hard drive. I tried it: you need to spend about $100 per year to renew your gear as well as to have some redundancy. You also need to store at at least two locations . Then it’s more work and discipline and you may loose some since backups are made occasionally. I did it for a few years and gave up. $2 per month is a great deal.

[@sheshotjfk8375]

@@bernadettesandoval3990 I thought the same thing until I dropped my external hard drive and broke it then I found out it would cost $3,000 plus to get all the data off it. Now I have an external hard drive AND cloud storage for essential things I know I never want to lose AND I store the most important items on my computer as well. I learned the value of redundancy the hard way. I thought cloud storage was a scam but now I see the value IF you use it the right way. Just storing everything on the cloud like a lot of people do, I think that is foolish.

[@zo1dberg]

It's the same as renting a house. If you don't own the facility you're storing your photos on, you're renting the space. Buy a couple of external hard drives and make two copies of your photos and important documents.

[@israelrivers8280]

​@@zo1dbergexcellent point on having at least 2 copies and making copies of important documents, something like that on a thumb drive in a fireproof safety box could make a huge difference in getting things sorted after a fire, flood or some other disaster. Good idea

[@TedApelt]

What should be taught in high school more than anything else is critical thinking skills.

[@gwarlow]

The system is designed NOT to promote or even encourage critical thinking… politicians rely on ignorance and short attention spans in order to get (re)elected. They do not want a highly educated nor even a conscious population of voters.

[@randy-ke8vn]

I learned that in second grade when the teacher said something so wrong just because the book said so that some of my classmates were laughing behind her back. The first time I ever saw that an adult could be wrong.

[@julieduncan1996]

I’m a teacher, and I do agree with you about the educational system. And homework. Why do kids have to work an eight hour day at school and then go home and spend another two or three hours WORKING ON HOMEWORK? It’s INSANE! So glad I’m getting close to retirement. Geez. Poor kids. 😕

[@matthewsemenuk8953]

One for a scam product: printer ink cartages. I'm going take one apart and figure out where I can drill a tiny hole to needle in new ink before the cartages empties, then plug the hole and see if that saves money.

[@AccordingtoNicole]

Oh yeah, that is a huge rip off industry.

[@christineweatherford5852]

Hell yah! I was thinking about this too

[@currency2266]

You can get a used ink tank printer 🖨 on offer up. Their tanks come with bottles of ink instead of cartridges. You can refill them with ink of your choice.

[@marktrickett5081]

I now use my local library to print courier labels. Much cheaper.

[@oceanaxim]

For a while I got into the habit of buying a whole new printer every time I ran out of ink. It was cheaper to buy than the ink!

[@Leprovocateur]

I have been asking the same questions for over sixty years, no real answers only questions! Everything needed to enter society and cultures are not taught, only how to be used in indentured servitude! Student loans come mind!! You go girl, I love your style of the truth!!!

[@lindakrause4597]

I'm 70 and the one thing in high school that actually got me work--my typing class. Yup, my one semester, humble little typing class got me a lot of work and put food on the table when nothing else would. I'm all for teaching practical skills!

[@dabneydee9109]

Totally agree on real estate agents. Having sold 2 properties in my lifetime, I've felt the pain of 5% (+ 13% HST!!) commission first-hand. Not to mention the insanely high taxes on capital gains for income properties ... but that's another story. There is no justification for paying a real estate company tens of thousands of dollars for doing so little actual work. And the pressure to lower the asking price for a faster sale and quicker turnover, which also benefits the agent - not the seller. I'd be happy to pay someone a flat fee for helping me through the process, but this 5% nonsense is a pure scam.

[@mdipeace]

I sold my home without a real estate agent. I paid a lawyer about $1500 and I paid all the other fees I would have paid anyway, like to the title company. But I kept the 10s of thousands that would have gone to an agent. I would never use an agent again, selling it myself was pretty painless.

[@cherylT321]

@@mdipeaceCan you say the steps you took to do that? Thank you.

[@mdipeace]

@@cherylT321 Secure a property lawyer. List the home on Zillow & local markets. You'll have to show the home yourself so list the hours that you're available for showings. Once somebody makes an offer and you accept it, the lawyer draws up a contract. Lawyers aren't cheap but they're paid hourly & this is standard paperwork so it's nothing like what a REA gets paid. Escrow is through the title company & there are more fees involved but it's how you get paid and where the property changes hands. A property lawyer should help you through this process as it may vary from state to state. It was easier than I expected, and totally worth the extra work. Good luck!

[@nancykramer7700]

Agree they are a scam. Never managed to buy anything with one and you do still need a lawyer. Your lawyer works for you while the real estate agent just wants to make a sale.

[@GhostSal]

On the subject of real estate agents/brokers: They usually charge between 4% and 6% (to the seller) but by law those rates are always negotiable. That rate is split by the buyer’s and seller’s agents (after the brokerage takes their cut). When buying a home you don’t have to pay a real estate agent, their commission comes from the seller. So it does make sense to use them when buying a home. A good agent will help you know if the home is priced well, or not, for the current market. A good agent will recommend getting an inspection, negotiating a home warranty, negotiating price adjustments or repairs for issues found on inspections and help with issues that come up during the buying process. On the sell side, a good agent will recommend the right repairs and minor updates to help position your home to sell more quickly and for more money. They will also, write a great description that entices buyers, help with staging recommendations and use a great photographer to make your home stand out. Also, a really good agent won’t just post your home on the MLS (where all sites pull from) but will actually market your home to get more buyers’ eyes on your home (unfortunately most agents don’t actually market your home and just put it on the MLS). Also, you can often negotiate for the seller to help pay closing costs. P’S. These are just a few tips and honestly overall I agree the real estate agents charge too much for what selling/buying real estate has become. However, most agents don’t make a lot of money because there are simply too many agents in the business.

[@johnconstantine1604]

I considered getting a Finance degree at UNLV and I asked them if the degree program taught how to invest. They laughed and said "no" as if it was an unreasonable request! College is a scam.

[@LenoraForest]

Bravo. I agree, especially with the High School scam.

[@MichelleNovalee]

Regarding real estate agents, the same could be said for tipping. A server does the exact same amount of work if they bring you a sandwich to your table vs bringing you a steak to your table. But all of a sudden they deserve a much bigger tip. It’s a total scam. This is why older generations like my grandma always tip the exact same for their service, regardless of the bill amount.

[@georgedunkelberg5004]

TIPPING ENABLES RESTAURANT OWNERS THE EXPLOITATIONS TO DEVOLVE THE BONUS-TIP TO SERVERS FOR ACTUAL PERSONAL REWARDS & ATTENTION. AS TOLD TO ME,: "SERVERS RENT THE TABLES" BY WORKING FOR USG'S APPROVED SUB MINIMUM WAGES.

[@sheshotjfk8375]

So you are saying that waiting on a table of two customers is the exact same amount of work as waiting on a table of twenty customers??? So you are saying that waiting on a couple that orders multiple mixed drinks, appetizers, entrees, desert and after dinner espresso's and then sits there catting for an hour is the same amount of work as waiting on a couple that orders two waters and couple of sandwiches and then leaves???

[@MichelleNovalee]

@@sheshotjfk8375 nope. Never said any of that.

[@paul_domici]

Damn you hit every nail on the head!!! I remember buying my first house and my lawyer wrote a check for thousand$$$ to the real-estate agent who only showed me the house twice and was no help at all during the process!!! I was flabbergasted!!! And I hope you watched the movie Emily the Criminal! She goes for a job interview and it turns out to be an internship and the woman wanted her to work for free for six months!!! I'm not going to spoiled it but her reaction was priceless!!! Love you Nicole and have an amazing week!!!

[@tuinfarto608]

Sounds interesting

[@rhondaweber5638]

The seller pays the realtor.

[@paul_domici]

@@rhondaweber5638 I know I paid when I sold it

[@CurbHopper111]

@@rhondaweber5638 That's traditionally how it is. But the seller can request that the buyer pay half, which is essentially the buyer paying their own agent. That happened to me with some land I bought. Edit: No scratch that. I forgot I actually paid the full fee. It started out split and then seller changed their mind after they initially accepted my offer for asking price. It was weird, but the land was cheap so it was only a few hundred extra. But I've seen many other instances where the seller is requesting that it's split, especially when mortgage rates went down and everyone was in a buying frenzy.

[@tonifrancis6945]

I totally agree with all of this, and especially No. 5. I’m an older person and at school we were taught all the stuff that isn’t taught now. Like how to write a letter and address an envelope correctly, how to properly clean a kitchen, how to budget a household, etc. Oh, and how to do maths without using a calculator! When I worked for a coffee shop years ago we hired a young girl and she had never swept a floor…..never! That blew my mind. Kids are no longer even taught how to spell correctly, let alone function in society.

[@lovemesomeslippers]

Not sweeping is on the parents, not the school. Girls are going to college and into the workforce. That’s what they get prepared for. We used to be prepared to be homemakers. Different times.

[@ThePathOfLeastResistanc]

Nobody needs to do math without a calculator in 2023 lmao

[@lovemesomeslippers]

@@ThePathOfLeastResistanc what happens when you don’t have it on you or your battery dies? You’re just useless? Or you ask an older person!

[@Meow4B]

Sweetie did your parents not properly clean the kitchen so you have no ability to learn that at home? Do you believe parents should have no responsibility for raising their children and they should learn 100% of everything they need to function at school? What do the parents do?

[@Meow4B]

@@lovemesomeslippers I’m not living in a world where I’m required to do math on demand unprepared. In what situation do you foresee this even happening? This sounds like fear mongering

[@Adventuresawait68]

Nicole you are so on point with this list! Unpaid internships only work for college kids living at home being supported by their parents. It’s a great way to get the experience you need to put on your resume because without experience you have a lower chance of getting the job you want. I used a financial advisor once and she convinced me into withdrawing early from my 401 (k) to purchase life insurance that she sold. HUGE mistake which cost me so much, but my own fault for listening to her and thinking she knew more than I did. American school has turned into a joke which does not prepare kids for real life. Elementary school should teach you the basics (reading, writing, arithmetic, basic history and science, etc), middle school should be an expansion of those areas and high school should be teaching you life skills as you mentioned. Then IF you decide to go to college (trade schools should be equally offered), then that’s where you would be studying the field you want to work in. So many students enroll in college and take liberal arts…what the heck are they learning here? So they rack up a ton of debt and then go to work at a fast food place. Also regarding school, if you can’t read or write a simple paragraph, you should not be promoted to the next level. I have seen so many college students writing papers that would make you cry. Thanks for sharing this info. Hopefully people will see this before they fall into a trap

[@virginialangford6257]

Do you want to be the first patient your Doc treats or dentist treats, first client your lawyer represents? First perm your hairdresser gives? First student your child’s teacher has? These unpaid internships are not un paid…they are required for licensing in many fields and are a huge opportunity for new entrants into a discipline, also a huge opportunity for seasoned professionals to determine if the application should even be allowed into the profession.

[@sheshotjfk8375]

@@virginialangford6257 Drs. have paid internships. It's called residency.

[@PARebecca]

You are spot on about every scam...especially high school and homework...I had never thought of homework that way, as making us complacent little robots..but it has. Luckily...we seem to waking up to these scams...I never buy extended warranties...thank you for this video.

[@marusholilac]

It's an honor to be the 1000th commenter for this excellent video. I believe school should teach language skills as 75% of the curriculum - reading, writing, comprehension, TYPING, penmanship, editing, grammar, spelling - and the concept of linguistics. Armed with excellent language skills, one can go forth and learn independently.

[@cathydiamond6573]

#5 especially for us foster kids who knew nothing about life after high school!!!

[@irvingdiaz1399]

Great video. Thanks Nicole. ❤️

[@teresaleblond1465]

I agree with you on the high school issue. I want my grandchildren to learn more about actual life. They need to be prepared for " real " life. From being a teen to adulthood can be intimidating.

[@cherylT321]

You’re going to have to teach it to them because the school system sure won’t!

[@richardsanty9063]

In high school, all of my classes were in the morning. I did my homework in the afternoon. I was very fortunate to have all classes in the morning all through out high school.

[@Starsmiley111]

Brilliant! Agreed 100%. Plus I’d never even thought about school homework being early conditioning for having no boundaries with bosses’ unreasonable demands - spot on! 👍 👏👏👏

[@marciamartins1992]

Oh they do want you compliant. I think the definition of unemployable is when you're not willing to put up with bosses anymore. By the time you're 62 you're done.

[@sandraoxford883]

This one opened my mind! 100% agree

[@wendypanozzo9133]

That one hit so true!

[@persephone213]

I totally agree about school and homework. Apparently, my teen nephew has summer homework, which I think is absolutely ridiculous.

[@1whitecottagelife770]

If I knew then what I know now about public schools, I would have homeschooled my daughter.

[@ronm6585]

Thanks for sharing.

[@TopQGuy]

My other thought about scams….for the most part I’ve never known a politician at any level that hasn’t benefited from “serving democracy”….regardless of affiliation.

[@AdelTheForsaken]

If knowledge is power why would they want everyone to have access to it. And remember is difficult to exploit intelligent people.

[@gracesimplified3860]

I agree with all 5 of your points, Nicole. 🙌🏼

[@Prairietallgrass]

I’m 67 so a lot has changed, but during my 4 yrs of high school I took, home ec, wood working shop and auto mechanics. I don’t know if that was specific to my school or if all schools offered this. I didn’t have kids so I’m completely clueless as to what they offer in schools these days. Thank you for these videos! I just recently discovered you.

[@erinmackesey-topp6156]

This short video was so enlightening. I have always felt as you do about high school, but could never articulate it. It would be an ideal world if parents taught their kids life skills Unfortunately a lot of parents function poorly, so the cycle is not broken.

[@graymatters7584]

Great video. I’m 64 years old and have seen a lot in my lifetime. I’ve been telling people for a few years now that there used to be a line between legitimate business and scam. There isn’t anymore. Every business uses the same techniques and processes as scammers. Whatever makes a buck is what they will do without concience. Marketing is the absolute lowest of the low. They will track you online and in the physical world. They will get you to pay a few dollars a month for some insurance against something knowing you’ll forget about it. Subscription models are now the rage. Corporations also employ the slimiest of telemarketers to call you during dinner. It’s a wonder to me that CEOs aren’t thrown in prison for the sh!t done on their watch.

[@kaceykelly7222]

I TOTALLY AGREE WITH #5! If high schools would teach those things you mentioned, our nation would be so incredibly self-sufficient and financially more equal.

[@elmobolan4274]

I was told yrs ago, the reason we don't learn these things in high school is simply this, "U are here to support the American economy," that's it....

[@rosed6058]

I so agree with real estate issue. My last home I sold, people told her not to have an open house or advertise and they paid more and got the house. My agent did NOTHING and made thousands. Never again.

[@Dylvente]

I'm a high school teacher so I related to your post on two levels: one, the unpaid internship. Actually, it's paid, but by the student to the employer via the university, i.e. the intern is paying to work there. Second, the concept of high school as a scam. An overgeneralization but I agree with several of your points. School fails to teach a lot of practical skills that we find ourselves lacking when we try adulting (I know you hate that term!) So many things I've learned as an adult, that have caused considerable trouble when I have finally learned them, I have said to myself, "This could have been taught in school at some point!" And that's from someone who had involved parents who taught me a fair amount. I can't imagine what it's like for someone who didn't have that benefit. To your list of skills that need teaching, I would add the ability to negotiate, to know when you're getting scammed, when you could save hundreds of dollars by going to a store and buying something yourself to fix something rather than hiring someone to do it for you. How to make a professional phone call. I'm sure there are many more. As an English teacher, I reassure myself that much of what I'm teaching is actually helpful because it is basic communication. No matter what the students end up doing for careers, they will need to be able to read, write, and speak effectively, and yes, I can use a lot of different types of literature, including Shakespeare, to teach these skills. Where I am (in the U.S., in Maryland) schools are leaning into career training and also teach skills like cooking, so there has been some movement back in the direction of making school more useful. Overall, though, we could do a better than we're doing!

[@aokiQ]

Totally agree! My family never own a car, when I got my car I have to learn to pump gas at gas station from KZbin, I’m still grateful for that creator until this day, she was mocked by so many ppl because of that video, But she is live saver for me! I learned more from youtube than my school

[@berniceanderson539]

I'm 62 years old and even way back then when I was in my Junior and Senior year of high school I would tell people " I'm just doing time" because it had seemed to have little value beyond just the need to finish.

[@elmerdear]

I have often said that high school missed the mark with teaching life skills. We had Guidance class back in the 70's but I was never given guidance on how to save, plan or be successful living on my own. Had to educate myself, and eventually I got it. Not perfect but I am OK now.

[@tamick2000]

Sadly, a lot of parents miss the boat on teaching their kids themselves. If you lack the skills yourself, I get it, but I have been teaching my daughter. I had to wait during some of her teen years, where everything was suspect coming from a parent, but even then I see she totally did take my advice to heart, even while she was saying she would not lol.

[@jamesmoore3199]

I shared this particular video with a friend of 67 year old millionaire who owns over 30 homes. He thanked me for sharing. You are teaching us oldsters.

[@sandrabryan9106]

Excessive homework has always been a pet peeve of mine and so is "mandatory" volunteer/fundraising days required by an employer. This contradicts promoting a proper "work/life balance. Too intrusive on personal time.

[@mr.dan7144]

Thanks, for nailing the problem with the educational system with High Schools.

[@lunaportia989]

Thank you so much, Nicole! 🙌Please make more of these videos about scams! They are very informative and eye opening 💪Your hard work is greatly appreciated 🌺

[@suefleming]

Wow have you ever opened my eyes!!! Thank you Nicole you are so smart!!!❤❤❤

[@kerryf9796]

You are so right on all these points! The real estate agent thing is such a joke!!! Why SHOULD they make more for selling an expensive house?! And financial advisors... my husband has one for free through his job, but it's a joke. The investments that he picked himself out performs the ones the advisor picked.

[@rasputozen]

The commission on a house is negotiated by the seller. Nothing stops you from negotiating down to 1% or even a flat sum (some people do this) but then buying agents will tend not to show or advertise it as much because there's less financial incentive for them to do so. Think about how you behave in your job. Do you hustle the same when there's a big reward as when there's not? It's the same in real estate. If you're not in a hurry to get your house sold then I'd say negotiate a low commission. But most sellers don't opt for this because property taxes and winterization/maintenance costs quickly drain whatever savings you'd get from a low commission anyway.

[@artifundio1]

Thanks for your very peaceful ranting! It felt very refreshing. People jelling and making faces give me stress.

[@mht5875]

I was lucky enough to attend a private high school which offered a course in Business Math which covers what you mention - took it in my Sophomore year and benefitted greatly from it. I wish all public schools would offer this course.

[@paulaa6373]

Yes, school is not to teach you to be creative and think for yourself. It’s for you to become someone else’s employee in some industry. It’s a pitty just how outdated the education model is. And Im a teacher.

[@sophiakitts]

As my southern husband says, ‘real estate agents are as useless as tits on a boar hog’. In 1991 we bought our first house without a real estate agent.The attorney cost us about $200. After reading the Tightwad Gazette, we sold the house ourselves 8 years later. When the time comes, we’ll do the same with our second house.

[@katrinagascho6165]

First time since my childhood I’ve heard someone mention the Tightwad Gazette! That book was fabulous!!

[@sophiakitts]

Changed our lives!

[@DopamineDecor]

Love that book. I still make the rice lentil casserole.

[@sunnyinrtrx7247]

Shout out for bringing up Tightwad Gazette! I bought all three of her books (secondhand, of course!) and kept them handy for more than a decade. I've always wished I had Amy's huge barn for saving stuff!

[@rasputozen]

But if you used a real estate agent instead of an attorney you would have paid $0 because the seller pays the commission... all you did was give the full commission to the listing agent and lose an extra $200 lol

[@archangel_josh]

Your point about high school is so true! Why does a 13 year old need to learn algebra? Shouldn't we have been taught how to manage our feelings, or how to have more emotional maturity? Instead of learning science shouldn't we have been given practical knowledge on how to make a budget, how to apply for a job, how to avoid getting into debt?

[@kimward5862]

Agree! What about electricity, and why are some companies higher than others? And they’re in the same city, but you have no choice. Internet. Although I do have a couple, I wonder about the benefits of Sam’s, Costco, etc. Gradual increase of fees without any concrete explanation.

[@sahikas5398]

I discovered your channel a few days ago and cannot stop watching your videos. You have very refreshing ideas about the world we live in. You really got me at the last scam. I cannot agree more on that. I live in a different country and in our high schools it is exactly the same. We don’t teach kids the real stuff they need. It is waste of time for everyone involved. Thank you for the wonderful videos. ☺️

[@margueritelahaye7457]

I did learn a lot in my high school chemistry class (ex. don't mix chlorine bleach with ammonia), and I learned in my French class that Sens Unique means One Way, which was useful to know when driving in Quebec. That said, I wish I'd had the option of learning about tax preparation, investing, and running a business. But some aspects of high school are improving. When my daughter opted for auto mechanics 30 years ago, she was the only girl in her class. Now the traditional boys' subjects and girls' subjects attract students of any gender. One of my grandsons studied both cooking and auto mechanics in high school last year.

[@melindawallin3713]

When I was in junior high school we had one semester of cooking and one semester of sewing. Both of these skills I have used and appreciated my whole life. Boys had ,I believe, auto shop and woodworking, two also useful skills.

[@BradMangas]

As a 62 year old fella here in the Midwest US, it kiind of surprised me hou much I can relate to most things you share and talk about. The last one on high school rather surprised me. Even though it has now been 45 years since I graduated high school you are 100% correct. Out of the four years of high school, I remember vividly one specific class and have told others many times over they years. That class was called, bachelor living. Basically it was just a class that taught basic cooking skills to teenage boys. ( went to a very small town school). Best class I ever had and the only one I vividly remember. Well, I do remember and enjoyed dissecting frogs in biology, but why did I need to know how to do that? (the Simpsons skit reminded me of that, ha.) You take care and keep up the wise words. Give Levi a pat on the heard for me. He's a lucky little fella.

[@mztokyo7630]

100% agree. I had to take home economics. I learned how to use a sewing machine, bobbin, and cook. I enjoyed wood and metal class more. I used calculus in accounting class once, and I am not planning on any rocket launches on my own. The 7th grade scientific method was the most valuable lesson. Money management comes from paper routes and mowing lawns since I was in 4th grade, doing chores from 6 years old.

[@chu_bakka]

Had same class in 8th grade. Feel sorry for that teacher after some of our learning involved couple burnt things.

[@amg9163]

I grew up poor but was essentially forced to go to a rich kid high Catholic high school, where kids would get high and then pray in the on-site chapel. It was there, that we had a lesson in dissenting frogs, which I remember to this day. The lesson did not last long, nor did my squeamishness, because these rich brats who could do no wrong were throwing frog parts all around the room. It was pretty horrifying for a 15 year old girl (circa 1981) to witness. Still remember that, while I remember almost nothing else about high school.

[@alinatamashevich3354]

This video should have 100M views. Every high school senior should learn this before graduating.

[@angelapennington4724]

I agree wholeheartedly with all of them! Congrats on the sponsorship

[@rebeccaketner816]

Nicole, you absolutely SLAYED in the internship elitism topic. Thanks!

[@TopQGuy]

Agreed on the real estate agents…and also other “businesses” that help sell things that other people own…and collect income without putting in any of their own cash. The other big scam are agencies that provide temporary workers…and the companies that use them. Like the real estate agent; it’s just another layer that someone has created to pull money out of a process.

[@joharaakajewelgemma1188]

I agree with everything you said. Especially about high school. They don't teach us things we will need in real life as adults to be successful.

[@togocat1]

the real estate is a big one right now. I agree 100% I find my own homes and sell them myself. unfortunately I have to pay the buyers realtor 2%, but then they do all the "paperwork" docusign stuff and that's that. It makes my stomach turn at the amount of money these people make for no good reasons. Just blows me away really.

[@janetstraw191]

Absolutely BRILLIANT, Nicole! Thank you! 🙋‍♀️👏👏👏👍💕‼️

[@cherylw6142]

Thank you for your candid input Nicole! Unpaid internships are also required for getting licensed. I see your point in most of these things.

[@paulabeattie8565]

Again, I am so impressed with your observations and points, far beyond your years!

[@jimmcdonnell5325]

The high school comment also applies to college and all the extra classes we had to take that had nothing to do with our degree.

[@AccordingtoNicole]

But if you only took what you needed how would they overcharge you? 🤔

[@johnscott2746]

It’s the fact that you NEED certain classes that have nothing to do with your degree that is the problem.

[@sarahmacrae8277]

That's not true in UK when I did dentistry all my classes were dental related anatomy biochemistry at university unless doing joint honours like french and business studies all your subjects are what you study, historians don't do maths or English engineers don't do french etc

[@catherinehainz7354]

@@johnscott2746 Yes, these are for your " general education requirements " It is supposed to make you a well rounded student and usually required before your core courses for the major degree. I had an English professor years ago for a general course in English and we were required to buy the book he wrote for the class.

[@turquoise_sky]

Back when I was a teacher, I didn’t believe in giving homework. I required my students to read everyday a book of their choice at home and keep a log of books read on the honor system. That’s it, no reports, no worksheets, nada. But the principal overruled me because parents complain when their kid has no homework. Parents want their kids occupied and out of their hair. It’s so sad. I don’t know why people have kids when they’re so clearly uninterested in them.

[@alexandru5369]

yeah wouldn't say real estate agents are a scam but you're 100% right about the job itself being obsolete

[@carlinmccormick1105]

My mom just closed on a property without using a real estate agent; she used a lawyer. The buyer asked to buy her property and she negotiated it; finalizing it with a lawyer.

[@vendradi]

Real estate agents I have worked with did much, much more than open a door and send over a document for signature. Real estate agents understand the laws in the state, county, city, etc. Good agents help buyers navigate the process and not get scammed. They help sellers by hosting open houses, negotiating offers, and even helping find repair persons, photographers, movers, etc.

[@atheinasophiajade1044]

Hire a 3rd party inspection of the house, regardless of realtor use.

[@mettamorph4523]

A misconception with inspections is that they mean nothing's wrong. They look for blatant violations, not perfection.

[@oscarzepeda1558]

Hey, that’s J.L. !!!! Set it & forget it !!!! Much massive love !!!! Thank you Nicole !!!

[@CamishaLove]

I'm a bit late, but I especially loved that you talked about school being a scam. I'd go so far as to say the entire schooling system as we know it (elementary, high school, college/university) is a scam. I hated school so much. Outside of reading, writing, and basic math, I learned nothing that helped me be/stay alive. It didn't even really help me for university. In elementary and high school, you learn to regurgitate information. University was like that as well, but in university they also want you to think for yourself (depending on the classes you are forced to take to fill up your day, which have nothing to do with your major. It's just to make you pay for more classes). How was I supposed to do think for myself when I never had the opportunity to do that before? For years, I was forced to regurgitate information. I hate the whole thing. And then the hours I had to spend doing homework. And then the teachers who would make life hell for you just because they enjoyed it. Dictate when you can/can't use the fucking bathroom. God, I'm so glad I never have to go back! I already decided I'm not having children. But if I were to, I could never send them to school. Outside of reading, writing, and basic math, they wouldn't learn anything useful. I'd still have to teach them everything on my own.

[@gwarlow]

Well put! The public school system in North America is 90 percent filler and 10 percent useful knowledge… it is just exagerrated “daycare” so that parents can work and pay taxes to support a corrupt government that spends some of that money foolishly and then pockets the rest… rant over. ;-)

[@Mtmonaghan]

Higher school is very important to teach critical thinking. It does not teach you facts, it should teach you how to think. I am a professional design engineer and I know when I am dealing with someone who does not have higher technical qualifications.

[@theoriginalDAL357]

Why would government want to teach fiscal responsibility to HS students? That might undercut the power they wield via deficit spending.

[@motionsick]

Every job I've ever had, including free internships, I have considered free training/schooling. I've learn A LOT on the job and on the clock. It's all how you look at it, people need to stop being so self absorbed.

[@sophiakitts]

Add to the Normalized Scam list: setting up and allowing an electronic funds transfer for a monthly payment. This includes phone bills, mortgage, utilities, credit card companies, and whatever else. It’s marketed as a “convenience”. They can conveniently stay out of my checking account.

[@geriroush8004]

how is this a scam? Unless they're charging you extra for it.

[@cherylT321]

Agreed! I don’t allow any company to dip into my accounts. They can wait for my payment like anyone else!

[@tipsybass7060]

@@geriroush8004 my apartment complex charges each person for 'convenience in paying rent' . they also use a company CONSERVICE and I tell you the truth, they are telling everyone EXACTLY what they do... CON you for SERVICES. I can tell you another truth... this has NEVER happened in a blue state,,, every last red state has these 'charges', and most of the time, an out of state company runs it, by hiring a less scrupulous management company...employed with people who don't have the proper grasp of writing a sentence, successfully inputting info in a spreadsheet, somehow don't have spellcheck on their computers.... its insane. I have met 3rd graders that have a better grasp on basic grammar and mechanics of the English language. and.... the public school system has been slowly eroded since the 1990s... all at the behest of the Republicans. what is crazy to me, things i thought were common knowledge growing up in the midwest, are not as common in the south (regardless of east or west). I applied for college in the south... and their curriculum was full of stuff that I learned BEFORE high school.. why am I going to waste money on that? also, in my high school (well one of them haha) we were REQUIRED to take business concepts to graduate; taught us how to do taxes, how to balance a checkbook, some things about stocks and bonds (Mock day trading), and tips on opening your own business.

[@johnconstantine1604]

Exactly! Only send electronic billing payments from your own bank account.

[@johnconstantine1604]

@@geriroush8004 - You're trusting them to take only the expected amount of money from your account, but they have access to take more. And then you'll have to fight them to get your money back. Best to simply avoid the risk by only doing electronic bill payments from your own bank account.

[@flohough1870]

Totally agree with you on high school. And it's way worse now than it was when I went to school. The two classes I've gotten the most use out of as an adult--accounting and band. Both were electives.

[@Laura-bj6du]

Interesting topics brought up. In America, and for those of us that pre-date social media, mobile phones, etc. The “life courses” you described used to be taught in elementary and high school classified as a “home economics” course. We also had electives to choose from that included auto mechanics, etc. We could also learn how to drive in high school too. And this was all offered for free in the public school system. I agree with your thoughts. It’s a shame that schools no longer offer these courses in addition to the customary curriculum. Learning to “adult” is just as important as your “abc’s.”

[@windrider5845]

Great job! Your videos are so needed because most people walk around like sleep walking! Nobody pays attention!!! Thank you!

[@cj222100]

Right on time to watch with my morning coffee! I agree about high school needing to teach other skills, even middle schools-I remember having to spend several weeks on diagramming sentences in English class, & I have yet to ever find any use for that

[@dragonsixtyseven1066]

Nicole, you are a gem. So glad the algorithm steered your video to me. Subscribed.

[@kathyduer7108]

Nicole you are wise beyond your years. And also a wise ass at heart. Love that about you. You tell it like it is. No bulls**t. Always great video content and humor as well. Keep it up girl !!!❤

[@Cletus-q6l]

ABSOLUTELY SPOT-ON ..!! NO HURT FEELINGS HERE ..

[@robinedwards8796]

In the US at least, if you don't have dreams or at least A reasonable path to a career that requires a good college education, AND you're educated enough to pass the GED, high school is completely unnecessary. You can enter the workforce or go to trade school. Get a certificate in something that allows for more pay. If you just like to learn, take a community college class here and there for enrichment. If you're like me, you can learn many many things on your own.

[@tonyasmith1917]

You're right. Thank you- all these years, I thought it was just me thinking this way!

[@elicreeley5379]

that unpaid internship thing really hurt me too. No money to move to CA, no money to take an unpaid internship cuz college loans came due, and no family to support. I watched my peers get really great jobs, and I felt like I failed to launch. Fine now, but it took a lot of work to get what still feels a bit like a starting line.

[@elicreeley5379]

Plus, who has the money for an unpaid internship over break? most places wanted you to move there for the summer, I knew a lot of ppl who moved to CA for the summer, probably different now due to remote work.

[@bobzelley5100]

What company and when did you work for as an intern that didn't pay you ? I hear this claim often, but it appears more as a net opinion than a fact .

[@zohramartini9425]

Get a paid one abroad at this point. I never applied for an unpaid one. I am working I deserve a salary and my parents would have never paid for everything anyways lol Or you can create a side hustle young then make your "unpaid internship" there ^^

[@samuell4775]

Parents should be teaching their children the life skills that you mentioned...

[@geriroush8004]

I get what you're saying about the need to learn basic life skills, but I think it would be tragic if that was all High School was about. It is so important to introduce these young people to the arts, to higher concepts in science and math. Students that continue on to college need to be prepared, and students that don't go on to college deserve a full, well rounded education that will serve them in their adulthood. Lifelong learning, curiosity, and growth are never wasted.

[@sheshotjfk8375]

You think high school students these days are learning math and science?? You really need to look into what these kids are coming out of high school knowing. They don't even know basic math. And when I say basic I mean BASIC! Like, "Fred bought two donuts for 50 cents each and a one dollar cookie. How much does he owe?" They can't even do that kind of math coming out of high school these days. It's insane. I watch these kids checking me out at stores and they can't even count out the change sometimes, or count how many of an item I have. It's pathetic. But I do get a lot of free stuff at the checkout when I buy in bulk LOL.

[@evanique100]

Those arts and sciences classes should be electives and not forced on HS students.

[@kj9219]

I said the exact same things back in the 70's. (68 now) And not much is different today. Good to hear a young person being aware of the BS. Generally I believe all major businesses view the public as being "harvestable" for their money and their labor. Question everything. Bravo.

[@Ckawauchi35]

Love your videos! Pilots and flight attendants don't get paid for their first hour until the block that stabilizes the aircraft wheels have been taken off in preparation for takeoff. Flight attendants don't make that much money bc they are paid by the hrs they actually fly (plus per diem which is not much). And if a pilot makes $300/hr for their skill, that is a lot of money that they never, ever get paid for. So when there are delays for whatever reason, nobody in that aircraft gets paid while they could be reprimanded if something goes wrong against their favor!

[@rosieposie9564]

That is unfair.

[@GeeMann-ro8hh]

Hi Nicole, you really hit the nail on the head! I have seen all f these scams that you mention. I live off grid and don't support any of them!!

[@legohandsliz]

The only one I slightly disagree with is the financial advisor. Not because you're wrong about not needing them to be successful, but because there are just some things that I don't want to take the time for or learn how to do. I used to be more hands-on when I was younger, but as I get older (about to turn 42), I've reassessed my priorities around which things I'd rather save money on and which things I'd rather save time on. I'd rather save time on things that make my brain glaze over, and so for me there is value in paying someone else to do that thing for me.

[@AccordingtoNicole]

Sure. But pay a fee based advisor. Not one who take a percentage off the top.

[@legohandsliz]

@@AccordingtoNicole Fair enough

[@freshfreshfreshfresh]

100 percent agreed on real estate agents

[@22Americaneedssaved]

I stopped watching after internships. My internship changed my life offering me experience when I had none

[@misscritique8863]

I couldn’t watch the whole internship section. Internships are a resume builder. In law school, I did an externship in DC. I found another student to take over my lease in Vermont and lived with a number of students in a house in DC for that semester. So it was an even amount of money. All was paid for with student loans. I don’t come from a privileged background. On the other hand. If you want to talk about higher education tuition costs being a scam, I would tend to agree with you.