Compare the last 20 years in Stocks S&P500 vs Real Estate vs Fixed Deposits returns

Here’s a comparison of the historical returns of S&P 500 stocks, real estate, and fixed deposits (bonds/cash equivalents) over the last 20 years:

Asset Class	Average Annual Return (Last 20 Years)	Key Insights
S&P 500	~10.4% (Including dividends)	Stocks have shown strong growth with high volatility and large swings during events like the 2008 financial crisis and the 2020 pandemic. The average return includes dividends​ Investopedia ​ Elevation Equities .
Real Estate (U.S.)	~5.5% (Median growth)	Real estate appreciated at a lower annual rate compared to stocks, but provides a stable, less volatile return​ Elevation Equities ​ Investopedia . Returns can differ by region and are influenced by market dynamics such as supply and demand​ Quantified Strategies .
Fixed Deposits / Bonds	2-4% (Varies by country)	Fixed income assets like government bonds offer low returns with minimal risk. In the current low-interest environment, these rates have been even more subdued​ Quantified Strategies .

Over the last two decades, stocks, represented by the S&P 500, have offered the highest average annual return, though with more volatility. Real estate has shown a more stable but lower rate of return, while fixed deposits or similar low-risk assets like bonds have provided the least return, especially with inflation-adjusted rates.

These averages should be considered with the understanding that past performance doesn’t guarantee future results, and personal circumstances (taxes, fees, leverage, etc.) also play a crucial role in final returns

Successful streamers in the world

As of late 2024, some of the top streamers across platforms like Twitch and YouTube Gaming continue to draw impressive viewership. Leading the pack in terms of followings, viewership, and influence are streamers like:

1. xQc (Félix Lengyel) - A former Overwatch professional player, xQc is now a staple in variety streaming, attracting millions of followers on Twitch​
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2. Pokimane (Imane Anys) - Known for her wide array of content, from gaming to “Just Chatting,” Pokimane continues to be one of the most influential female streamers​
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3. Kai Cenat - This powerhouse streamer is rapidly gaining followers, particularly for his energetic and unpredictable streams, often with large-scale collaborations​
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4. Ibai - Famous in the Spanish-speaking community, Ibai is renowned for his esports coverage, especially League of Legends​
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5. Shroud (Michael Grzesiek) - Though he’s ventured into YouTube gaming, Shroud remains one of the most influential and skilled streamers in FPS genres​
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6. Auronplay - A well-known variety streamer, he’s popular for his engaging interactions and variety streams​
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These top creators are driven by engaging, consistent content, strong community interaction, and strategic branding, contributing to their significant influence within the streaming world​

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. For an in-depth look at the full list of the 100 top streamers, resources such as StreamscCharts, Wikipedia, and other websites tracking streaming metrics can provide detailed rankings.

Cheat days when you do intermediate fasting every day

I have practicing intermediate fasting from 31 Dec 2024 till now. I have also up my fasting from 16 hours to 24 hours to see how far i can fast without any food. So far i have go to only 24 hours and i did not see any noticeable changes to my blood pressure. It is still maintaining at 110/80+. I believe that the food i consume is the key. Do note. CNY is definitely around the corner and i will definitely want to enjoy a bit for the 2 days. Do note balance is the key. These are the points i will note when i do the cheat. 

1. Balance Is Key

• Cheat Days vs. Cheat Meals: Instead of an entire "cheat day," consider a cheat meal where you indulge once during your eating window.
• Stick to your fasting schedule even if your eating choices vary; this keeps your fasting pattern consistent.

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2. Plan Your Cheat Days

• Choose social events or special occasions for your cheat days to align with your fasting and personal life.
• Return to your normal fasting routine the next day.

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3. Avoid Guilt

• One cheat day won’t ruin your progress if it’s occasional.
• View it as part of a sustainable approach rather than a "failure."

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4. Be Mindful of Overeating

• Even on cheat days, listen to your hunger cues and avoid binge eating.
• Overeating can cause discomfort and disrupt the benefits of fasting, like maintaining stable blood sugar levels.

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5. Stay Hydrated

• Drinking water, herbal tea, or black coffee during your fasting period can help manage cravings even after a cheat day.

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6. Monitor Your Body’s Response

• Some people find that cheat days help them stick to IF long-term, while others feel sluggish or find it harder to return to their routine.
• Experiment with what works best for your body and goals.

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7. The 80/20 Rule

• Aim to follow your IF routine 80% of the time and allow 20% for flexibility.
• This balance allows you to enjoy life without sacrificing progress.

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Final Tip

If cheat days or meals are frequent, consider re-evaluating your fasting schedule or eating approach to ensure it aligns with your goals while remaining enjoyable

What are the tools for streamer?

Streamers use a variety of tools and software to enhance their broadcasts, improve stream quality, and manage their channels. Here's a breakdown of essential tools for streamers:

1. Streaming Software

• OBS Studio: One of the most popular and free streaming software for video and audio streaming. It offers powerful features, including custom scenes, transitions, and sources.
• Streamlabs OBS: Built on OBS Studio but more user-friendly, with additional features like widgets, built-in alerts, and easy integration with Streamlabs services.
• XSplit: Another streaming software with paid and free versions that offers ease of use and customization options. It's commonly used for live streaming and video production.

2. Audio and Video Equipment

• Microphones: A high-quality microphone (like the Blue Yeti or Shure SM7B) helps improve stream audio quality.
• Webcams: A quality webcam like the Logitech C920 enhances video streaming.
• Capture Cards: Devices such as Elgato Game Capture are essential if streaming console games or any content that requires video input from an external device.
• Green Screen: Optional for streamers looking for a more professional look, allowing for background removal or a custom environment.

3. Graphics and Overlays

• Stream Overlays: Customize your stream with overlays for alerts, facecams, and chat windows. Services like OWN3D and Streamlabs offer premade designs, while some streamers opt to create custom ones.
• Stream Alerts: Alerts for when someone subscribes, follows, or donates, usually provided by platforms like Streamlabs or StreamElements.
• Widgets: These include donation bars, follower counts, or any other data points streamers want to show on the screen.

4. Chat and Interaction Tools

• StreamElements or Streamlabs: Provide tools like alerts and chatbots to manage interactions during the stream.
• Nightbot: A customizable chatbot that automates moderation, sends automated messages, and can add fun commands to enhance the community's interaction.
• Moobot: Another chatbot that can be customized to perform various functions on the stream.

5. Streaming Platforms

• Twitch: One of the most popular platforms for gamers and casual streamers.
• YouTube: Ideal for streamers who want to create both live streams and video content for on-demand viewing.
• Kick: A new contender that focuses on live-streaming with favorable monetization options.
• Trovo: Similar to Twitch, this is another streaming platform that supports live game streaming.

6. Monetization Tools

• Patreon: A popular platform for streamers to receive funding directly from viewers in exchange for special perks.
• Streamlabs or PayPal Donations: Integrated donation tools where fans can support their favorite streamers through direct contributions.
• Ad Revenue: Streaming platforms, such as Twitch and YouTube, offer ways for streamers to earn money through advertisements placed during their streams.

7. Viewer Engagement and Analytics

• Streamlabs and Social Blade: Helps streamers track performance, statistics, and growth.
• Discord: Community management tool for building and growing a loyal fanbase where viewers can interact with the streamer off-stream.
• Chatbots like Deepbot or StreamElements for automating tasks, including currency systems and rewards.

8. Performance and Stability

• OBS Optimizer: Helps optimize your system’s settings to avoid frame drops and improve performance.
• Speedtest: It helps to ensure your internet speed is suitable for smooth streaming.
• Stream Deck: A physical device that streamers use to quickly manage stream settings, scenes, and triggers for easy transitions or special effects during the stream.

Combining the right tools depends on your specific needs, stream goals, and preferences. Using a combination of high-quality hardware, effective streaming software, and engagement tools can elevate the overall experience for both the streamer and the audience

The costs for streaming tools can vary significantly based on whether you're looking for free or premium options and the level of quality you're aiming for. Below is a breakdown of common streamer tools and their typical costs:

1. Streaming Software

• OBS Studio: Free
• Streamlabs OBS: Free (with optional premium features through Streamlabs Prime)
• XSplit:
  • Free: Basic features (with watermarks).
  • Premium: Starts around $5/month for the personal license or $10/month for a broadcaster license.

2. Audio and Video Equipment

• Microphones:
  • Blue Yeti: Approximately $120 - $150 USD.
  • Shure SM7B: Around $400 USD.
• Webcams:
  • Logitech C920: Around $70 - $100 USD.
  • Logitech Brio (4K webcam): Around $200 USD.
• Capture Cards (for consoles/advanced streaming setups):
  • Elgato HD60 S: Around $180 USD.
  • Elgato 4K60 Pro: Around $400 USD.
• Green Screen:
  • Affordable options from $50 - $100 USD.
  • Professional quality green screens or setups can cost $200 - $500 USD.

3. Graphics and Overlays

• Free Stream Overlays: Available through platforms like Streamlabs and various open-source communities (cost: free).
• Paid Overlays: Ranges from $10 - $100+ USD depending on the complexity and custom nature.
• Stream Alerts: Free for basic features; however, you can buy premium packages for additional designs, typically ranging from $10 to $50 USD.

4. Chat and Interaction Tools

• Nightbot: Free, with optional premium subscriptions for additional features (starting at $2.99/month).
• Moobot: Free, with optional premium options for advanced features like loyalty rewards (starting at $2/month).
• Streamlabs Chatbot: Free with advanced features available in Streamlabs Prime at $19/month.

5. Streaming Platforms and Monetization

• Twitch: Free to stream, but you’ll need to join the Partner or Affiliate program for monetization. Twitch takes a 50% cut on subscription revenue.
• YouTube: Free to stream, but monetization is available through ads (with YouTube taking a percentage) or via channel memberships (requires 1,000+ subscribers).
• Patreon: Free to join, but takes a 5% to 12% cut depending on the plan you choose.
• PayPal: No upfront cost; fees are typically 2.9% + $0.30 per transaction for donations.
• Streamlabs Donations: Free, but they take a cut of about 5% from donations, or you can use a free PayPal donation link.

6. Performance and Stability Tools

• OBS Optimizer: Free plugins are available, but some premium tools may have associated costs (e.g., Streamlabs Prime at $19/month for exclusive optimizations).
• Speedtest: Free to use (though advanced features may come with a subscription through Ookla).
• Stream Deck:
  • Elgato Stream Deck (15 keys): Around $150 USD.
  • Elgato Stream Deck Mini (6 keys): Around $80 USD.

7. Viewer Engagement and Analytics

• Streamlabs or StreamElements: Free basic features, premium options cost $19/month (Streamlabs Prime).
• Discord: Free, with premium options like Discord Nitro for additional features starting at $9.99/month.
• Social Blade: Free for basic statistics; pro plans starting at $3.99/month for more advanced features.

8. Subscription and Premium Add-Ons

• Streamlabs Prime: $19/month or $149/year for additional features, including custom overlays, advanced chat bots, premium alerts, and detailed stream analytics.
• Streamyard: Web-based service for streaming to multiple platforms. Costs range from $25/month for the basic plan to $49/month for the premium one.

Total Costs for Getting Started:

If you're just starting and want a budget-friendly setup:

• Basic streaming setup (OBS Studio, Logitech webcam, and free overlays) could cost around $150 - $250 USD.
• Mid-range setup (good microphone like Blue Yeti, capture card, basic Stream Deck, and overlays) would range from $500 - $800 USD.
• Professional setup (high-quality microphone like Shure SM7B, professional capture cards, green screen, and advanced Stream Deck) could easily cost between $1,000 - $2,000+ USD.