An alarming new study has found that minors in the US often receive abuse, harassment, or sexual solicitation from adults on tech platforms. For the most part, though, children say they are not informing parents or other trusted adults about these interactions — and are instead turning for support for tech platforms, whose limited blocking and reporting tools have failed to address the threats they face. And even when they block and report bullies and predators, the majority of children say that they are quickly re-contacted by the same bad actors — either via new accounts or separate social platforms. Children report having online sexual interactions at high rates — both with their peers and people they believe to adults : 25 percent of kids 9-17 reported having had a sexually explicit interaction with someone they thought was 18 or older, compared to 23 percent of participants that had a similar experience with someone they believed to be a minor.

And this week, 44 attorneys general wrote a letter to Facebook CEO Mark Zuckerberg urging him to abandon a plan to create a version of Instagram for children. It could also push the industry to collaborate on cross-platform solutions between Facebook, Google, Snap and others that Thorn says are needed to fully address the threats children face.

Taken together, the findings suggest that platforms, parents, and governments need to work harder to understand how children are using technology from the time they are in elementary school, and develop new solutions to protect them as they explore online spaces and express themselves. Data on these subjects is difficult to collect for several reasons, many of them obvious: the topics involved are extremely sensitive, and much of the best information is held within the private companies running the platform.

The result is a generation of children, some of them still in elementary school, attempting to navigate blocking and reporting tools that were designed for older teens and adults. An obvious thing platforms can do is to rewrite the language they employ for user reports to more accurately reflect the harms taking place there.

Platforms could integrate crisis support phone numbers into messaging apps to help kids find resources when they have experienced abuse. In their current state, Cordua told me, platform reporting tools can feel like fire alarms that have had their wires cut.

The prevalence of unwanted sexual contact is horrific, and this study will help inform our ongoing efforts to combat these behaviors on Snapchat. The prevalence of unwanted sexual contact is horrific, and this study will help inform our ongoing efforts to combat these behaviors on Snapchat. However, Thorn’s research, while good, stopped far short of the global view on this issue when they excluded Apple’s iMessage, which is used heavily by teens, is preloaded on every iPhone, and is bigger than Messenger and Instagram Direct combined.” (Thorn responded to the swipe at Apple by saying it focused on social platforms because that is where many of these inappropriate relationships begin — typically they migrate to messaging apps from elsewhere.).

However, Thorn’s research, while good, stopped far short of the global view on this issue when they excluded Apple’s iMessage, which is used heavily by teens, is preloaded on every iPhone, and is bigger than Messenger and Instagram Direct combined.” (Thorn responded to the swipe at Apple by saying it focused on social platforms because that is where many of these inappropriate relationships begin — typically they migrate to messaging apps from elsewhere.). Additionally, because YouTube has never been for people under 13, we created YouTube Kids in 2015 and recently announced a supervised account option for parents who have decided their tweens or teens are ready to explore YouTube.” TikTok: “Protecting minors is vitally important, and TikTok has taken industry-leading steps to promote a safe and age-appropriate experience for teens.

Why is video quality on Instagram and Snapchat so much worse on

Why is video quality on Instagram and Snapchat so much worse on

A lot of those same people hate Snapchat or Instagram when they check out the quality of photos and video the apps upload. The Best Android Phones in 2020 That means that there are countless different camera setups that Snapchat and Instagram need to support. Google learned this early in Android's life: developers either can't or don't want to support many models of phones with many different camera setups.

Your new Galaxy S20 might have a spectacular camera, but with none of the extra features and none of the automatic control that Samsung built into it available, you get that bare minimum.

Instagram internal research: 'We make body image issues worse for

Instagram internal research: 'We make body image issues worse for

A new report from The Wall Street Journal suggests the answer is “pretty bad,” based on internal research conducted by Facebook that it’s been unwilling to share with the public. The report from The Wall Street Journal is worth reading in full, but here are some highlights from Facebook’s internal research into the effect Instagram has on younger users:.

Research reviewed by Facebook’s top executives concluded that Instagram was engineered towards greater “social comparison” than rival apps like TikTok and Snapchat. “Teens blame Instagram for increases in the rate of anxiety and depression,” said internal research by Facebook presented in 2019, and that “This reaction was unprompted and consistent across all groups.”. As the WSJ notes, the company’s top executives, including CEO Mark Zuckerberg, have been quizzed by politicians like Senator Richard Blumenthal on the effects of its apps on younger users, but have not disclosed anything like the detailed findings created by its own internal studies.

Instagram, Snapchat, Facebook, Twitter, YouTube: How social

Instagram, Snapchat, Facebook, Twitter, YouTube: How social

The researchers surveyed almost 1,500 teens and young people aged 14 to 24 from across the U.K. to score how each of the social media platforms they use impacts 14 specific factors related to their health and well-being. "Instagram easily makes girls and women feel as if their bodies aren't good enough as people add filters and edit their pictures in order for them to look 'perfect,'" one participant from Northern Ireland wrote. While the researchers acknowledge there is still much to be learned about social media's impact on mental health, they say these are important conversations that need to be further explored, especially surrounding young people who are the most vulnerable to potential harms. "For young people, using social media and digital technologies as a tool to help with mental health make sense for many reasons," said Dr. Becky Inkster, Honorary Research Fellow at the University of Cambridge.

"As health professionals we must make every attempt to understand modern youth culture expressions, lexicons, and terms to better connect with their thoughts and feelings," Inkster said.

Why Instagram Is the Worst Social Media for Mental Health

Why Instagram Is the Worst Social Media for Mental Health

Instagram is the worst social media network for mental health and wellbeing, according to a recent survey of almost 1,500 teens and young adults. The #StatusOfMind survey, published by the United Kingdom’s Royal Society for Public Health, included input from 1,479 young people (ages 14 to 24) from across England, Scotland, Wales and Northern Ireland.

From February through May of this year, people answered questions about how different social media platforms impacted 14 different issues related to their mental or physical health. Previous studies have suggested that young people who spend more than two hours a day on social networking sites are more likely to report psychological distress.

Social media posts can also set unrealistic expectations and create feelings of inadequacy and low self-esteem, the authors wrote. As one survey respondent wrote, “Instagram easily makes girls and women feel as if their bodies aren’t good enough as people add filters and edit their pictures in order for them to look ‘perfect’.”.

It also recommends that companies find a way to highlight when photos of people have been digitally manipulated, as well as identify and offer help to users who could be suffering from mental health problems. The Royal Society hopes to empower young adults to use social networks “in a way that protects and promotes their health and wellbeing,” the report states.

Why Snapchat Is Losing Its Popularity and Millions of Users

Why Snapchat Is Losing Its Popularity and Millions of Users

Snap has said it's losing daily active users, and the worrying indication is that probably people aren't using Snapchat as regularly as they used to. What made Snapchat really popular with young people was that it was kind of difficult to understand.

And Kylie Jenner, you know, said on Twitter, actually, I'm not that keen on opening the Snapchat app anymore, and it's probably not really managed to recover from that disaster. He doesn't communicate that well with his team, so there's been a combination of factors that has probably made life quite difficult for Snapchat right now. Unless Snpachat can sort of really show users that it's useful as well as cool, it's going to be really tough to get people back on the app if they've left.

Terrible financial advice is going viral on TikTok

Terrible financial advice is going viral on TikTok

People are learning all kinds of new things on TikTok: how to do viral dances to popular songs, how to make hot cocoa bombs or paint an accent wall. Personal finance TikTok, also known as #FinTok or #StockTok, has become a massively popular segment of the app that, at its best, is made up of experts who make videos discussing how to get out of credit card debt, explaining the difference between a Roth IRA and a 401(k), and encouraging young people to start investing for retirement. At its worst, however, Finance TikTok perpetuates financial myths, scams, and dangerously misleading information. TikTok’s ability to take an average user’s video and show it to millions of people in a matter of hours or days is unmatched. As a result, what users end up seeing often isn’t good advice from trusted sources, it’s just one random person’s experience making thousands of dollars off buying and selling Tesla calls. Not that it’s not good for young people to get interested in the stock market and personal finance — just that videos of unverified claims that happen to go viral might not be the best (and certainly shouldn’t be the only) source of information.

Below, Vox business and politics reporter Emily Stewart breaks down 10 of Finance TikTok’s most viral investing videos and what they’re actually selling, and why you might want to think twice before falling prey to a get-rich-quick scheme, or worse, accidentally doing something illegal. This is a realtor responding to the TikTok prompt, “What’s a piece of information that feels illegal to know?” with the claim that by starting what’s known as an S corporation, you can buy everything you own as a “company expense” and therefore do not have to pay taxes on it. If you employ your children and pay them as well — the IRS scrutinizes family transactions, so they actually need to work — again, there are still FICA taxes on their wages.

A woman alleges that there is a letter on the back of your Social Security card that correlates to a bank account owned by the Federal Reserve, attached to your name, and containing millions of dollars. “Any video, text, email, phone call, flyer, or website that describes how to pay bills using a Federal Reserve Bank routing number or using an account at the Federal Reserve Bank is a scam,” the Atlanta Fed warned at the time.

Compound interest is a common and often smart investment strategy, but Ray is pushing a very specific approach to it: his own. His website promises a “triple advantage of retirement planning” of life insurance, stock market growth, and compounding interest.

And even if the cost may be on the high end, Ray says the extra money is worth it — he claims his approach could lead to up to four times the average retirement income. Investopedia dove into the pros and cons of indexed universal life insurance versus 401(k)s and IRAs and determined the latter is usually the better bet: The fees are generally lower and won’t eat away so much at returns, and you don’t have to worry so much about the fine print. Brown also pointed out that for young people — as in, the TikTok audience — paying for life insurance likely doesn’t, um, make a whole lot of sense. “There’s absolutely no reason for teenagers and people in their 20s to be buying life policies rather than investing in index funds.

A man claims you can purchase points directly from a hotel’s loyalty program, then use them to pay for your stay. Why you should think twice: Buying points directly from a hotel chain or airline in order to book a room or flight can work sometimes, but not always.

But for the average person, I don’t recommend it unless you have a specific redemption in mind,” said Brian Kelly, founder and CEO of the Points Guy. Before buying a bunch of points to book an expensive, full-price room through, say,, Kelly said that a better route is to look at sites such as AAA or HotelTonight, where you can often find a better deal.

A TikToker documents himself buying $15,000 worth of Tesla calls and loses thousands within a few minutes, but a few hours later ends up making about $7,000 in total. Buying a call option on Tesla or any stock is relatively easy, but experts warn that it’s not necessarily advisable for everyone. This level of volatility will generally wipe people out eventually.” Investopedia has good information on options pricing.

In June 2020, a 20-year-old day trader died by suicide after believing he’d lost hundreds of thousands of dollars on options trading. “People get into options because they’re tempted with the idea of them being able to make massive gains that would dwarf investing in something simpler.”. This is a viral TikTok of hedge fund billionaire Bill Ackman explaining how to short the stock market using a metaphor about coin collecting. In 2012, Ackman announced a major short bet against Herbalife, a nutrition company he alleged was a pyramid scheme.

He spent years on his campaign against Herbalife, at one point getting into a heated argument with fellow billionaire Carl Icahn over it on live TV and at another getting choked up while talking about it. For the average individual investor, don’t even think about it,” said Greg McBride, chief financial analyst at Bankrate.

I suspect a lot of people short-sold during March of the Covid pandemic and lost their shirts when the stock market recovery happened sooner — and more sharply up — than many expected.”. Why you should think twice: The Securities and Exchange Commission (SEC) has a bunch of disclosure requirements for investors and companies, including ones regarding holdings and trades.

Those are “statements of changes in beneficial ownership” that are required whenever insiders of a certain company — directors, officers, and shareholders who own more than 10 percent of its stock — buy or sell shares. And ones that follow Schedule 13D forms, which are filed when someone acquires 5 percent or more of a company’s shares — often a sign of an activist investing campaign.

Mark LoCastro, a spokesperson for the personal finance website SmartAsset, said that if your credit score allows you to take advantage of low interest rates and get a mortgage with less than 20 percent down, this approach might make sense. “This will allow you to invest the remaining money (you saved on the down payment) in the market, where historic returns would likely make up for the extra interest you’ll pay throughout life on the loan,” he said. “Just be sure to take into account how higher rates and PMI might result in you paying more over the life of the loan.” And, of course, there’s never a guarantee of investment returns, and there’s no one right fit for everyone.

McBride emphasized that there’s also an emotional component to this approach — a lot of people feel better when they have less debt and own more of their home, and they get nervous when their investments inevitably fluctuate. “The math of not accelerating payment on your mortgage and maximizing your 401(k) every year only works if you’ve got the discipline to then hang in there and hold on to those investments even when the markets tumble,” he said.

That’s not the end of the world, but it’s certainly something to take into account when figuring out post-retirement finances and whether you can afford to have a mortgage when you’re no longer working. “If your mortgage is higher than you can comfortably carry, refinancing and stretching out the terms so that your monthly payments go down is one way to help address financial pressures,” she said.

There’s a quote that compound interest is the “eighth wonder of the world” that’s been dubiously attributed to Albert Einstein, but regardless of whether he actually said it, the concept stands up. But if you dramatically oversimplify it and as an exercise assume money will double every 10 years, $1,000 invested when you’re 18 would turn into $32,000 by the time you’re 68.

There’s also a factor called sequence risk — a formal term for what amounts to bad luck if the market goes south when you’re retiring. Someone saving since 1968 and planning to retire in 2008, when the financial crash hit, may have suddenly seen their investments cut dramatically if they were heavily in the stock market.

TikTok vs. Snapchat: a Comprehensive Comparison Guide[2021]

TikTok vs. Snapchat: a Comprehensive Comparison Guide[2021]

Businesses, large and small, are continuously hunting for social media platforms, where they can promote their products and services, and more than that, build up an enormous community around them. The section here introduces both TikTok and Snapchat individually, highlighting interesting facts that might help you draw out the basic differences between the two social media networks.

Popular mostly among the Gen-Z audience, 49% of whom hail from the age cohort 13-16, it once again proves its competitiveness in the list of social media networks. A mobile messaging app ideal for sharing both visual, and textual content, including videos, photos and texts. Contrary to TikTok, Snapchat does not just allow users to keep pace with the current trend but also connect with buddies over Stories and other ephemeral content.

It’s empowering both users and brands with abilities to showcase creativity through 3D environment interactions, object scanning, and try-on effects. TikTok ushers a quite a few of them, including video capture, filter effects, sound library, impressive editing tools, creation prompts and a ‘For You’ page, where the discovery feed based on algorithm is available. While in TikTok, you will mostly find the celebrities, renowned brands and content creators to flood the social media platform; in Snapchat, the crowd mostly comprises of publishers.

With inclusions of hashtags and keywords, you can optimize the video content, attract your target audience, and build a community around you. On the contrary, Snapchat is the most favorable app among brands seeking a platform to launch short, bite-sized videos to promote a newly-launched product and gain admiration from both Gen-Z and millennials. Lucrative opportunities await the small businesses investing their time and energy in TikTok because the platform being relatively new, sets limited norms on what makes content engaging and what fails to achieve it.

Moreover, it enables all business users to share links of created content on websites that TikTok fails to cover. Put simply, Snapchat promises more marketing opportunities to businesses that have ample funds whereas TikTok favors those who are pressed for money. Prior to launching a promotional campaign, don’t you think it’s prudent to grab an idea about the user base in each app?

Though both the apps attract millennials and Gen-Z users, launching your ad campaign in the prior will mean more exposure of your products to a vast audience, 61% of whom are female. However, if you are focusing more on men, TikTok will a great platform to start with because 56% of the global male audience is its active users.

Snapchat outage leaves users unable to send or receive messages

Snapchat outage leaves users unable to send or receive messages

Difficulties with accessing the Snapchat app, as well as sending or receiving messages, were registered by tens of thousands of users, who were told by the company to “hang tight”. Last week Facebook experienced one of the worst outages in its history, leaving users unable to access its platforms, including Instagram and WhatsApp, for several hours. Snapchat, co-founded by Evan Spiegel and Bobby Murphy, former students at Stanford University, was initially best known for its fleeting messages that would disappear after a time, gaining it a reputation as a “sexting” app.

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