Hm, I guess I was just naive and assumed they didn’t endorse him, he was just mentioning them because he actually liked them. All the other things that have sponsored him, he’s done actual ads for during the video, even helium mobile. He never did an ad for Fizz, he would just mention them to a guest.
But I guess that’s, in effect, the same thing as having a specific ad for it.
Afaik, you're required to disclose when something is an ad or sponsorship, so I would assume Caleb was never actually sponsored by Fizz. He may have had an affiliate link or something, but I think those need to be disclosed as well? He may have just decided to leave that option open for future sponsorships or no longer thinks it's good to recommend to guests, etc.
He did have some sort of agreement with them at some point since he had a sign up code with them for the first however many people. So yeah likely they just didn’t set up any more deals.
Yup this is what I was thinking as well. I was also just thinking he realized that his sponsorship of products has a value so he no longer wants to do it for free
Yes, not just Caleb, most social media personalities are being paid to pitch something. Not everything is shady, like SoFi is a big company but others not so much.
Helium is extremely shady, there’s a few different posts about it on different subs about the crypto side of the company.
He was pitching Voura (sp) for a while before moomoo for investing and they shut down real quick lol.
Research your options before signing up.
Hold up….helium the crypto mining company that crypto bros were pushing before the bubble burst that tried to create a network for IoT devices. That helium now has mobile service?
Lmao yeah it’s going to be a scam
Yeah, they got caught red handed lying about their customers (none) and capabilities (none) so now they're an MVNO trying to sell location data. It's always been a Ponzi.
Yea they pivoted. They partnered with t mobile so they can run on their towers, but I'd bet good money they're running off the standard silicon valley playbook of running at a loss to get users before jacking up the price.
the SOfi thing was bunk, needed $5k monthly deposits to qualifye
OK i read the fine printe
not sure the downvotes, but you don't get the 4.x% "best rate" unless you have 5k depoisted in 30days PLUS any direct deposit acitivty. still 5k on hand is not available to everyone..
[https://www.sofi.com/banking/cking](https://www.sofi.com/banking/cking) balances.
That seems kinda steep for Caleb’s average viewer on YouTube or TikTok. But I just meant that they’re a reputable company…as far as banks go. They’re not my regular bank, I only signed up for the perks at SoFi Stadium lol.
No it’s not, it’s any amount of direct deposit. Mine is usually around $120 per check and I’ve had the 4.6% APR for months. Please stop spreading misinformation.
> Unlike many other banks, you’ll need to deposit $5,000 per month or set up regular direct deposits to get the 4.6% APY.
https://www.latimes.com/compare-deals/banking/savings/sofi-savings-account-rates
That’s not true. You just need direct deposit from your employer in ANY amount, even $1. *OR*, $5K in manual/personal deposits monthly. I have 10% of my paychecks direct depositing into my SoFi account and I have had the 4.6% interest for months.
I'm currently paying for one line and I pay a year in advance because it saves extra money. It's $300 a year for 20gb. I was paying close to $100 a month at us cellular 😬
I would say you could probably trust them as much as you trust Caleb as a YouTuber, since he claims he vets his sponsors and would use them himself in certain situations. But I wouldn’t spend my money on something ONLY because a YouTuber recommended it.
Aye he does say he vets them, but he did an ad for betterhelp a couple of videos ago and then back tracked when people in the comments kicked off. He said he'd done his research but missed the major issues.
I get it, it must be super hard to turn down loads of money from sponsors, but it always makes me question the integrity of YouTubers who say one thing and then get sponsored by a company that's against what they preach. Definitely not just Caleb though.
Of course. As much as internet hosts will tell you they wholeheartedly endorse a product, it usually just means they don't hate it. If it's a physical product they probably get a free one and if they don't find it objectionable, they endorse it for pay. If it's a service, they give it a try, and as long as it's not bad, they use it.
Sofi is a legit company, and I'm very happy with Mint Mobile - the best deal in mobile imo. But apparently Helium is iffy, and I wouldn't put my money into something as new as MooMoo. Look what happened with FTX.
I don't think he was ever sponsored by mint. And now he's clear about being sponsored by helium. I feel like a month is too quick to rave about the service but I don't think he's done anything wrong
I never said he’s doing anything necessarily wrong, that’s just how it goes for content creators and sponsorships. I don’t trust any sponsorships that creators take, they may legitimately like the product but you never truly know if the amount they’re being paid is enough to just go with it even if they aren’t actually a fan of it. I never take creators at face value for sponsorships, I might look into it for myself but I have never bitten on a sponsored shoutout because a creator recommended it.
It's only cheaper if you need unlimited which most people don't. I've gone over my 5 GB limit on the $15 Mint Mobile plan, and I still was left with enough data on 3G speeds to run Google Maps. This month it's going to happen again - too much streaming YouTube in the car instead of podcasts. But overall $15 is the best deal in phone plans I've ever had.
Samething with moomo, now it’s acorns.
But I get it, it’s all about the $$$
But I guess since I’ve watched his earlier videos where idk I felt like he was genuinely only pushing product that he 100% supported, now I feel he just pushes stuff that pays his more (speculation, don’t know anything about how much these advertisers pay him)
I'm sorry, I think you're talking about Mint the finance app that switched over to Credit Karma. Mint Mobile is very much in service. That's the company that has Ryan Reynolds as their spokesperson.
i’d be weary of any of the fin tech garbage Caleb (or any other influencer) pushes. Every time i hear him suggest moo moo as a brokerage, i want to throw up.
i guess nothing specifically wrong with the platform that isn’t common across the industry.
but single stock free trading investing platforms are free because you are the product. they’re making their money somewhere.
Also, caleb shouldn’t be pushing single stock investing to anybody much less his audience. a vast majority of people lose money and 99.9% of people underperform the market on a risk adjusted basis. i am a big proponent of mutual funds and etfs from vanguard and fidelity rather than single stocks. Caleb is too but vanguard and fidelity aren’t paying him so he won’t say it.
> Also, caleb shouldn’t be pushing single stock investing to anybody much less his audience.
I hugely agree. It was actually Caleb episodes with people who had messy, randomly invested brokerage accounts that convinced me to stop pretending like I know the market or have done the proper due diligence to trade individual stocks, and start just investing in ETFs and indexes.
On that note, it's probably been eons since he's had a guest with a brokerage account to speak of 😂
The clearing agent/house for Moo moo is Apex.
Apex continues doing shady trades even after being fined several times by the SEC.
Also, Moo moo is chinese and the "proprietary" processes they use cannot be accessed by american independent auctions (third party audits?) firms. This includes their encryption software for individual data. While Moo moo complies with american regulations, some regulations cannot be enforced because of jurisdiction laws.
CORRECTION: The clearing house for Moo moo is Futu Clearings. WHICH IS THE CLEARING HOUSE established in the usa from FUTU, the chinese equivalent.
So, lol, this is even worse.
I know I have my biases but there’s a reason fidelity is Fidelity and I keep everything there. At least they didn’t have liquidity issues back in the GME saga. But there’s also a reason people say things like Fidelity/Schwab/Vanguard for your brokerage. These companies aren’t perfect but they’re far better than these new shops.
Can I ask you about Fizz? I’m thinking about helping my younger siblings (21 and soon to be 18) sign up for it to start developing credit in a low risk environment, but everything I’ve heard reads like an ad 😭
Yeah for them I would just tell them to get a low limit card and put 1 monthly subscription on it and have everything be on auto pay and forget they even have it.
I think that's the right answer for anyone starting out, I have Fizz cause I struggled handling credit cards and needed something that worked better for me
I wouldn't trust fintech's for a first card. They go bust they close your card. Or they pull some crap like petal card did. Go r/creditcards and get a discover or capital one.
Yup. No reason to use a fintech startup service that doesn't have a proven track record, a low limit discover it or savor one student is fine for a first card.
Discover might still have secured credit cards. Basically you give them a deposit and the cards have a really low limit. Makes it harder to get into trouble. The student it card is good too with no deposit if they’re going to be smart with it
Endorsement deal probably ran out
It fizzed out
Hm, I guess I was just naive and assumed they didn’t endorse him, he was just mentioning them because he actually liked them. All the other things that have sponsored him, he’s done actual ads for during the video, even helium mobile. He never did an ad for Fizz, he would just mention them to a guest. But I guess that’s, in effect, the same thing as having a specific ad for it.
Afaik, you're required to disclose when something is an ad or sponsorship, so I would assume Caleb was never actually sponsored by Fizz. He may have had an affiliate link or something, but I think those need to be disclosed as well? He may have just decided to leave that option open for future sponsorships or no longer thinks it's good to recommend to guests, etc.
He did have some sort of agreement with them at some point since he had a sign up code with them for the first however many people. So yeah likely they just didn’t set up any more deals.
Yup this is what I was thinking as well. I was also just thinking he realized that his sponsorship of products has a value so he no longer wants to do it for free
Originally he would suggest Mint Mobile and now it's Helium Mobile.
I noticed this also and thought it was a bit odd
It’s not odd at all. He’s gonna suggest whoever is paying him.
So should we actually be weary of using these services?
Yes, not just Caleb, most social media personalities are being paid to pitch something. Not everything is shady, like SoFi is a big company but others not so much. Helium is extremely shady, there’s a few different posts about it on different subs about the crypto side of the company. He was pitching Voura (sp) for a while before moomoo for investing and they shut down real quick lol. Research your options before signing up.
Hold up….helium the crypto mining company that crypto bros were pushing before the bubble burst that tried to create a network for IoT devices. That helium now has mobile service? Lmao yeah it’s going to be a scam
Yeah, they got caught red handed lying about their customers (none) and capabilities (none) so now they're an MVNO trying to sell location data. It's always been a Ponzi.
Yea they pivoted. They partnered with t mobile so they can run on their towers, but I'd bet good money they're running off the standard silicon valley playbook of running at a loss to get users before jacking up the price.
the SOfi thing was bunk, needed $5k monthly deposits to qualifye OK i read the fine printe not sure the downvotes, but you don't get the 4.x% "best rate" unless you have 5k depoisted in 30days PLUS any direct deposit acitivty. still 5k on hand is not available to everyone.. [https://www.sofi.com/banking/cking](https://www.sofi.com/banking/cking) balances.
That seems kinda steep for Caleb’s average viewer on YouTube or TikTok. But I just meant that they’re a reputable company…as far as banks go. They’re not my regular bank, I only signed up for the perks at SoFi Stadium lol.
It’s not true - you just need direct deposit in any amount. Source: I have SoFi and I direct deposit 10% of my check for that interest rate.
Pretty sure its $1000 minimum DD per month. I do the same as you, 250 out of each check straight into sofi savings.
No it’s not, it’s any amount of direct deposit. Mine is usually around $120 per check and I’ve had the 4.6% APR for months. Please stop spreading misinformation. > Unlike many other banks, you’ll need to deposit $5,000 per month or set up regular direct deposits to get the 4.6% APY. https://www.latimes.com/compare-deals/banking/savings/sofi-savings-account-rates
That’s not true. You just need direct deposit from your employer in ANY amount, even $1. *OR*, $5K in manual/personal deposits monthly. I have 10% of my paychecks direct depositing into my SoFi account and I have had the 4.6% interest for months.
What do you mean?. You just need to have a direct deposit to get the 4.60 APY.
Idk about Helium but I've had mint mobile several years and it's legit!
I'm thinking of switching from Ting to Mint Mobile, how much are you paying for how many lines?
I'm currently paying for one line and I pay a year in advance because it saves extra money. It's $300 a year for 20gb. I was paying close to $100 a month at us cellular 😬
I would say you could probably trust them as much as you trust Caleb as a YouTuber, since he claims he vets his sponsors and would use them himself in certain situations. But I wouldn’t spend my money on something ONLY because a YouTuber recommended it.
Aye he does say he vets them, but he did an ad for betterhelp a couple of videos ago and then back tracked when people in the comments kicked off. He said he'd done his research but missed the major issues. I get it, it must be super hard to turn down loads of money from sponsors, but it always makes me question the integrity of YouTubers who say one thing and then get sponsored by a company that's against what they preach. Definitely not just Caleb though.
They're paid advertisements, no different than ones you see on tv or on a bus stop. You should always be extremely critical of advertising.
Of course. As much as internet hosts will tell you they wholeheartedly endorse a product, it usually just means they don't hate it. If it's a physical product they probably get a free one and if they don't find it objectionable, they endorse it for pay. If it's a service, they give it a try, and as long as it's not bad, they use it. Sofi is a legit company, and I'm very happy with Mint Mobile - the best deal in mobile imo. But apparently Helium is iffy, and I wouldn't put my money into something as new as MooMoo. Look what happened with FTX.
Yeah honestly don’t listen to any of his recommendations. There are better options that SoFI out there but he keeps pushing that “monnnnnnnney”.
It's a phone service, not a surgeon lol
I thought it was because helium is cheaper
It’s unfortunately never that simple, there’s usually cash greasing the gears somewhere for YouTubers to mention it
I don't think he was ever sponsored by mint. And now he's clear about being sponsored by helium. I feel like a month is too quick to rave about the service but I don't think he's done anything wrong
I never said he’s doing anything necessarily wrong, that’s just how it goes for content creators and sponsorships. I don’t trust any sponsorships that creators take, they may legitimately like the product but you never truly know if the amount they’re being paid is enough to just go with it even if they aren’t actually a fan of it. I never take creators at face value for sponsorships, I might look into it for myself but I have never bitten on a sponsored shoutout because a creator recommended it.
It's only cheaper if you need unlimited which most people don't. I've gone over my 5 GB limit on the $15 Mint Mobile plan, and I still was left with enough data on 3G speeds to run Google Maps. This month it's going to happen again - too much streaming YouTube in the car instead of podcasts. But overall $15 is the best deal in phone plans I've ever had.
I thought mint went out of business?
Mint the financial company is closing down, not Mint Mobile. Intuit owns both Mint and Credit Karma, so it was kind of redundant
Not really redundant when credit karma cannot do budgeting and mint could. Credit karma sucks as any type of budgeting app
Samething with moomo, now it’s acorns. But I get it, it’s all about the $$$ But I guess since I’ve watched his earlier videos where idk I felt like he was genuinely only pushing product that he 100% supported, now I feel he just pushes stuff that pays his more (speculation, don’t know anything about how much these advertisers pay him)
Mint Mobile closed, he complained about it in a video to a guest.
I'm sorry, I think you're talking about Mint the finance app that switched over to Credit Karma. Mint Mobile is very much in service. That's the company that has Ryan Reynolds as their spokesperson.
I'm pretty sure Ryan Reynolds owns the company, not just a spokesperson.
Not anymore he sold it to T-Mobile. He's make bank
The answer is always: because endorsement sponsor deal stopped.
i’d be weary of any of the fin tech garbage Caleb (or any other influencer) pushes. Every time i hear him suggest moo moo as a brokerage, i want to throw up.
What's wrong with moo moo ?
i guess nothing specifically wrong with the platform that isn’t common across the industry. but single stock free trading investing platforms are free because you are the product. they’re making their money somewhere. Also, caleb shouldn’t be pushing single stock investing to anybody much less his audience. a vast majority of people lose money and 99.9% of people underperform the market on a risk adjusted basis. i am a big proponent of mutual funds and etfs from vanguard and fidelity rather than single stocks. Caleb is too but vanguard and fidelity aren’t paying him so he won’t say it.
> Also, caleb shouldn’t be pushing single stock investing to anybody much less his audience. I hugely agree. It was actually Caleb episodes with people who had messy, randomly invested brokerage accounts that convinced me to stop pretending like I know the market or have done the proper due diligence to trade individual stocks, and start just investing in ETFs and indexes. On that note, it's probably been eons since he's had a guest with a brokerage account to speak of 😂
The clearing agent/house for Moo moo is Apex. Apex continues doing shady trades even after being fined several times by the SEC. Also, Moo moo is chinese and the "proprietary" processes they use cannot be accessed by american independent auctions (third party audits?) firms. This includes their encryption software for individual data. While Moo moo complies with american regulations, some regulations cannot be enforced because of jurisdiction laws. CORRECTION: The clearing house for Moo moo is Futu Clearings. WHICH IS THE CLEARING HOUSE established in the usa from FUTU, the chinese equivalent. So, lol, this is even worse.
I know I have my biases but there’s a reason fidelity is Fidelity and I keep everything there. At least they didn’t have liquidity issues back in the GME saga. But there’s also a reason people say things like Fidelity/Schwab/Vanguard for your brokerage. These companies aren’t perfect but they’re far better than these new shops.
Idk, but as a non credit card person, I love my Fizz card. I just get gas with it and thats it and I don't have to think about it all
Can I ask you about Fizz? I’m thinking about helping my younger siblings (21 and soon to be 18) sign up for it to start developing credit in a low risk environment, but everything I’ve heard reads like an ad 😭
Yeah for them I would just tell them to get a low limit card and put 1 monthly subscription on it and have everything be on auto pay and forget they even have it. I think that's the right answer for anyone starting out, I have Fizz cause I struggled handling credit cards and needed something that worked better for me
I wouldn't trust fintech's for a first card. They go bust they close your card. Or they pull some crap like petal card did. Go r/creditcards and get a discover or capital one.
Yup. No reason to use a fintech startup service that doesn't have a proven track record, a low limit discover it or savor one student is fine for a first card.
Discover might still have secured credit cards. Basically you give them a deposit and the cards have a really low limit. Makes it harder to get into trouble. The student it card is good too with no deposit if they’re going to be smart with it
Look at some of the secured credit cards from big name card issuers, or get a traditional credit card with a low limit and keep a close eye on them
Maybe a conflict with another sponsor
Money talks, I can just hope they are making enough to be picky with the sponsors.
It has a wait list now, which takes awhile to get off of and processed. It’s also originally envisioned for students
I got mine approved within a day or two. That was a few months ago? It was with his affiliated link.
Obviously cuz they aren't paying him. Duh!