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          This Is Becoming Millennials' Favorite Investment      Cache   Translate Page      
But is it a smart choice?
          The Skimm co-founders: Millennials are looking for a trusted news source      Cache   Translate Page      
The Skimm co-founders and co-CEOs, Carly Zakin and Danielle Weisberg, launched the No Excuses campaign aimed at motivating Millennials to get out and vote for the issues they care about most.
          MTV lanza “MTV Style”      Cache   Translate Page      
MTV apuesta por el contenido para millennials. En colaboración con TrendyAdvisor, MTV ha lanzado “MTV Style”, el escaparate con las últimas novedades en moda enfocadas al público millenial. La web también cuenta con artículos sobre los looks de las cel...
          9/12/2018: OBITUARIES 17: Mac Miller      Cache   Translate Page      

Rapper Born: January 19, 1992; Died: September 7, 2018 MAC Miller, who has died aged 26, was a US rapper with a huge following among a millennial audience, enough to propel his five full studio albums released since 2011 into the top five of the...
          PREMIERE — Pontchartrain – Papillion (Original Mix) [Cauldron Records] [MI4L.com]      Cache   Translate Page      
In this modern world, many a record label stake their claim on the global stage by championing antiquated formats such as Compact Disco, Vinyl Record and…in this case, Cassette Tape. Where as the bulk of millennial music buyers could hardly (truthfully) claim to have remembered when the Cassette Tape was king and music stores stocked […]
          I quit my high-paying job to travel the world — and came back as the CEO of my own company      Cache   Translate Page      

Quit my job

  • I quit my job after 10 years of working at an aerospace brand and in finance.
  • By many measures, I had excelled in those roles — I earned great money and ran prestigious teams all over the world.
  • However, the 12-hour days and little free time became too much to bear, and I felt that life was passing me by.
  • So I quit my job to travel the world — and unexpectedly became a CEO. 

 

Ever since I was five years old, all I've ever wanted was to travel and meet people around the world. I grew up in communist Poland. The borders were closed, and passports were nearly impossible to get. Everyone around me said  I would never be able to see the world.

But I never believed it. I've always felt like a global citizen. 

Soon after communism collapsed in Poland, I put all of my drive and ambition into my education.

I came to the US, finished college in three years while working full time, graduating summa cum laude. I quickly got recruited by a multi billion-dollar global aerospace brand.

Within six months, I began leading global IT programs, creating and managing remote teams on four different continents and training thousands of members around the world from my laptop.

We accomplished amazing things, and soon new career opportunities poured in. I wanted to challenge myself and grow, so I moved to the financial industry.

I had finally made it to the VP level. Running large global programs and leading high-performance teams sounded prestigious. But each new career step was becoming more intrusive, stressful, office-bound, and time-consuming.

I spent agonizing hours in traffic getting to and from a job that was less than inspiring. My 12-hour work days were filled with spreadsheets, slide presentations, endless meetings, and canceled vacations.

Swiveling in my chair in my almost-corner office, I wondered: Is this all there is to life?

I started wondering what had happened. Where was the adventurous soul who wanted to travel the world? Now I could barely scrape together a week to get away.

Life was passing me by

Like many people I know, I was living on autopilot: finishing school, giving up the best years of my life to work, and postponing my dreams for the elusive idea of retirement. Deferring life was my norm.

Essentially, I was betting my entire life on the possibility of truly enjoying it near the end. The more I thought about it, the more the idea sounded like an irresponsible and risky gamble. There was only one option: I had to take time off to begin living — now.

Quit my job

The stakes were high — I was leaving behind my entire 10-year career and giving up the security of my income in exchange for one year of travel and living. I was scared, but the more I looked around, the more I realized that there are no guarantees in life.

We have only one life, and there is no do-over. I began to see that quitting my office job to finally live my life was not the riskiest decision — staying in my taxing job and not giving my life a chance was. So I packed my bags and bought a one-way ticket to Spain.

I traveled — and started a business

I visited over 50 countries and six continents, soaking up the sun in Bali, sipping wine in Santorini, climbing to the base camp of Mount Everest, and scuba diving at the Great Barrier Reef. Travel became my new life.

Quit my job

Every time I visited a new country, I was blown away by the talented people I met — amazing people with so much untapped potential and so few opportunities. I couldn’t stand it.

I could clearly see how many of the people I met could drive innovation for top companies worldwide, if only given a chance. 

Drawing on my own remote-work experience, I quickly realized that I didn't have to give up my dream of travel and helping people around the world to accomplish my career goals.

All of a sudden, my vision was clear: Everybody deserves a chance to live up to their potential, and the flexibility of remote work can help them do it.

Quit my job.

So I created my first Facebook group for remote and travel jobs, and began working with progressive and forward-thinking employers worldwide who shared remote work opportunities daily.

Initially, there were only 100 members, but when the community reached 3,500 people, I knew this was bigger than me. These were extremely talented people from all over the world. I believed in them, and they counted on me.

So I did everything I could to help. I reached out to every employer I could to bring more remote job opportunities and I went to every meetup out there to learn more about how to create a successful business.

Eventually, I met entrepreneur Gregg Pollack, who recommended that I apply to Starter Studio, an innovative hub he created for entrepreneurs.

Quit my job

I made a few slides showing how amazing our community is. After many subsequent steps, I was accepted to the program. For the next three months, I spent every waking hour learning from top entrepreneurs how to build a successful business.

At the end of the program, Pangian, our borderless digital nation, was born.

Today, Pangian is platform powered by machine learning and AI, matching top talent around the world with high-quality, long-term remote work. We just expanded to 121 countries with top global companies and over 39,000 members united by our goal of flexible work that has meaning and fulfills us.

And this is just the beginning.

SEE ALSO: I'm a burned-out millennial who quit a high-paying 9-to-5 job to travel full time

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NOW WATCH: What drinking diet soda does to your body and brain


          More Optimistic Than Millennials, Gen Z Is Here to Revolutionize the Housing Market      Cache   Translate Page      
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          'Convenience' will drive industry growth, differentiation — Kramer       Cache   Translate Page      
AKRON — "Convenience" is the watchword that will dominate the tire-buying experience as Millennials take center stage in the consumer arena, and those companies that figure out how to streamline the buying process will outpace the competition.
          Comment on Through Collective Effort: The Success of S. W. Green & the Knights of Pythias by Ruth Gardner Kennedy      Cache   Translate Page      
I look forward to the wonderful history and hope the millennials are taking note. The research fills in many areas of history that I had questions about. Thanks.
          Affordable Minimalist Dishware Collections - Year & Day Offers Millenials High-Quality Dishware (TrendHunter.com)      Cache   Translate Page      
(TrendHunter.com) Quality dishware is often reserved for wedding gifts but Year & Day is hoping to change this idea among Millennials sick of buying ugly dishes. Founded by Kathryn Duryea, this direct-to-consumer...
          Tailored Student Payment Platforms - QPay Understands How Students Shop and Spend (TrendHunter.com)      Cache   Translate Page      
(TrendHunter.com) Focusing primarily on students, QPay is a new payment platform that aims to be a genuine challenger bank for the Millennial market. Formed in 2015 by former Australian National University students...
          What you need to know on Wall Street today      Cache   Translate Page      

Welcome to Finance Insider, Business Insider's summary of the top stories of the past 24 hours. Sign up here to get the best of Business Insider delivered direct to your inbox.

Jamie Dimon backtracks after claiming he 'could beat Trump' in an election

JPMorgan Chase CEO Jamie Dimon reversed course after taking aim at President Donald Trump during a JPMorgan event on Wednesday.

"I think I could beat Trump," Dimon said.

"Because I'm as tough as he is, I'm smarter than he is," he continued. "I would be fine. He could punch me all he wants, it wouldn't work with me. I'd fight right back."

But Dimon, a lifelong Democrat, also added that he could not win an election due to the "liberal side" of the Democratic Party.

Upstart exchange IEX snags its first listing from Nasdaq

IEX, the startup stock exchange made famous in Michael Lewis' book "Flash Boys," has snagged a listing from one of its larger rivals.

The New York firm, which gained stock-exchange approval in 2016, announced Wednesday that electronic brokerage Interactive Brokers will switch its listing venue from Nasdaq to IEX in October.

IEX, which was founded by Brad Katsuyama in 2012, is known for its speed-bump stock-trading model that aims to put the world's fastest trading firms on a level playing field with investors.

The cryptocurrency Ethereum crashed by over 8% on Wednesday, extending a slump for the asset and the wider market.

Ethereum was down 8.6% to $169.12 just after 9:30 a.m. GMT (4:30 a.m. ET), a level not seen since May 2017, when Ethereum was enjoying its first price surge of the year.

The cryptocurrency is down almost 30% over the past seven days and has mirrored a wider slump in the cryptocurrency market over the past two weeks.

This year's average Goldman Sachs intern is willing to pay $6 for avocado toast and admires Obama

Former US President Barack Obama is the most admired figure among this year's global class of Goldman Sachs interns.

Each year, the investment bank surveys its summer interns on topics as varied as their ambitions and their spending habits. Seventy-six percent of the 3,162 summer analysts and associates who interned at Goldman worldwide this summer responded to the questionnaire. Goldman published the results on Wednesday.

One of the more frivolous results indicated that the interns were willing to pay $6 on average for avocado toast, the popular millennial brunch dish.

Obama was the most popular choice as a role model, followed by Sheryl Sandberg, Nelson Mandela, and Steve Jobs.

In markets news

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NOW WATCH: Everything we know about Samsung’s foldable phone


          Love In The Digital Age      Cache   Translate Page      

Cast: Gia Paige, Kenna James, Mona Wales, Tyler Nixon, Marcus London, Logan Pierce, Small Hands. When phone-obsessed millennials, Sara and Lizzie, challenge Gen Xer, Janine to start internet dating while they respectively give up all access to the internet, the three never could have predicted all the surprises in store for them. Unaware of how […]

The post Love In The Digital Age appeared first on Freexxxdownloads.net.


          High cost of housing top of mind for women, renters and millennial voters, poll says       Cache   Translate Page      

Fifty-seven per cent of Toronto-area voters say they strongly agree it is increasingly difficult to own a home in the region and 38 per cent say housing affordability is among their top three issues going into next month’s municipal election.

Concern about the high cost of housing is disproportionately affecting women, millennials and renters, according to an Ipsos poll released Wednesday.

Mortgages and rents are affecting how much residents save for retirement and their children’s education and impacting whether they have one or more children, says the research for the home builders association and the Toronto Real Estate Board (TREB).

The poll indicates that residents’ worry about the cost of housing is on par with crime and infrastructure, both of which ranked in the top three election issues with 39 per cent of respondents. Among nine issues on the poll question, only property taxes registered as a greater concern — among the top three with 45 per cent of those polled.

High profile areas such as transit, social services, traffic and parks all polled lower among the 1,503 residents.

“This isn’t just about putting a roof over people’s heads. This is impacting broad elements of people’s lives,” said Justin Sherwood of the Building and Land Development Association (BILD).

Read more:

Financial crisis crushed dreams of the middle class

Home prices rise in August

Will publishing sold data open the door to real estate disrupters?

The poll is intended to put housing issues front and centre in the election, and the social implications are the key takeaway, he said.

Forty per cent of respondents indicated housing costs were affecting their retirement savings; 34 per cent said it was stopping them from making major purchases or taking vacations; and a quarter of residents said they couldn’t afford to buy a home.

A further 12 per cent said housing costs were affecting savings for their children’s education, and 11 per cent said it affected their decision to have a child.

“People are putting off having children... These are significant life decisions that are being impacted: saving for retirement, if they will be able to retire; trying to make decisions about maybe supporting a family member,” said Sherwood.

Renters, millennials and women were the most concerned with housing costs. Sixty-two per cent of Toronto-area renters — a group that represents about a third of households in the region — put the price of shelter among their top three issues compared to 26 per cent of homeowners. Forty-three per cent of women cited housing as a top issue verses 32 per cent of men.

Among millennials — adults under age 35 — 48 per cent cited housing as a top concern, compared to 42 per cent of those 35 to 54 years old and 25 per cent of respondents over 55.

Across the board, 41 per cent of poll respondents expressed concern over young people’s ability to afford housing.

“This whole thing about housing and people being concerned about affordability, I think it cuts across all demographic groups,” said the real estate board’s Von Palmer.

“It all brings it back to there’s an inadequate choice, there’s not enough supply (of housing). We have to start looking at zoning rules to allow for more of that missing middle type housing — semis, rows, multi-units, clustered town homes — we don’t have enough of that. From an affordability point of view that’s a concern,” said Palmer.

BILD and the real estate board say that, while they pushed the same issues in the June provincial election, there’s a significant role for municipal policy-makers too.

“A lot of things that need to happen to bring in more supply has to happen at the municipal level,” said Palmer. “When push comes to shove and you look at the real issues that need to be tackled like zoning rules or taxation at the local level — property tax, red tape — these are all locally driven even though it flows from provincial legislation. Ultimately implementation happens at the local level.”

Builders are struggling with bureaucracy that slows down their ability to bring new housing on the market, said Sherwood.

“Municipalities can find ways to cut red tape,” he said.

The Toronto region needs about 50,000 homes annually to meet the demand, said Sherwood.

“Last year we were able to build 38,000. We’re consistently short,” he said.

The online Ipsos poll between Aug. 20 and 23 is considered accurate within 2.9 per cent 19 times out of 20.


          THE 'M' WORD Provides A Look Into the Minds of Millennials      Cache   Translate Page      

26 year old Toronto actor Hannah Engelhardt sits in a sweltering rehearsal studio just off of Pape and Danforth. Like many others, she has been acting since being dragged to her first class as a child. Today she is waiting for her cast to rehearse, as they gear up to perform at the John Candy Box Theatre in just a few short weeks. For all three members of The M Word, this will be their official introduction to the Toronto theatre scene.

The M Word is a new play combining drama and comedy to tell the story of three millennials as they navigate through their professional and personal lives. Created through a mix of improv and original writing, the play seeks to understand what it is to be a millennial while making some of the most important decisions of one's life. "At its heart it really is an ode to being in your 20's" explains Hannah. "It just so happens that to talk about being in you 20's in 2018, it meant analyzing and exploring the millennial label."

For all three actors this play is a risk. Having minimal resources and no funding to start, there were moments when the play almost didn't happen. In particular the day Hannah had to Skype her cast to tell them she was moving to the UK for school. This meant they had two months to get the show off the ground. "I wasn't planning on moving when I first initiated the project" she laughs. "But when I told them and I was about to pull the plug, my castmates both looked at me and said, 'we can't stop now. We've come too far, we're going to do this before you leave.'" Fast forward almost two months and a successful Indiegogo campaign later, The M Word is set to run this September 15th and 16th.


          Education is the best investment for homeownership      Cache   Translate Page      

home sold signAP Photo/Bill Sikes

  • Millennials, many of which are recent college graduates and newcomers to the professional world, are the most educated generation in American history.
  • They will not regret investing the time and resources to earn that degree.
  • Higher education leads to higher income levels, significantly improving the likelihood that one can afford homeownership.  

Whether students are beginning middle school or their last year of college, back-to-school season is here. Although many students may grimace when they hear “back to school,” they won’t regret pursuing a higher education as adults as they compete for well-paying jobs and one day, hopefully, buy a home.


"Although millennials may delay buying their first home longer than prior generations, those that invested in a higher education are far more likely to realize the return on their great investment – purchasing their first home." 


Millennials, many of which are recent college graduates and newcomers to the professional world, are the most educated generation in American history. According to PEW Research, only 22 percent of men and 20 percent of women baby boomers between the ages of 21-36 years old had earned their bachelor’s degree. For millennials in 2017, 29 percent of men and 36 percent of women between the ages of 21-36 years old have already earned a bachelor’s degree or higher.

See the rest of the story at Business Insider

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          Generation Z is bullish on homeownership, despite weight of college debt      Cache   Translate Page      
Millennials might be scaling back their hopes for homeownership, but the generation behind them is dreaming big. More than eight in 10 adult members of Generation Z, the oldest of whom were born in 1995, said they expect to buy a home within the next five years, according to new survey results from PropertyShark. Survey respondents between ages 18 and 23 also said on average they expect to pay $37,000 for their next down payment, […]
          The Skimm co-founders: Millennials are looking for a trusted news source      Cache   Translate Page      

          "No todos los 'millennials' somos iguales"      Cache   Translate Page      
La joven 'startup' aragonesa Herizont Innovación está detrás de los proyectos más ambiciosos en materia de diferenciación y modernización.
          3 Easy Tips That Help Millennials Afford to Buy a Home      Cache   Translate Page      
3 Easy Tips That Help Millennials Afford to Buy a Home

Millennials have gotten a reputation of hopping from apartment to apartment.

The post 3 Easy Tips That Help Millennials Afford to Buy a Home appeared first on MoneyMiniBlog.


          A Glimpse Into The Dark Underbelly Of The Crypto Crash: Hard Lessons For Investors      Cache   Translate Page      

The Frager Factor The Frager Factor: Today: $20 Million Millennial; Cannabis, Bitcoin, Cryptocurrency, Bayer, Monsanto, Food Trucks

Monsanto and Bayer are Maneuvering to Take Over The Cannabis Industry

Bitcoin crash: This man lost his savings when cryptocurrencies plunged

Amid 2018 crypto crash, 3 kinds of believers come into focus

On Dec. 7, 2017, the price of bitcoin was above $

The post A Glimpse Into The Dark Underbelly Of The Crypto Crash: Hard Lessons For Investors appeared first on iGoldRush Domain News and Resources.


          Rewrite my book on Health      Cache   Translate Page      
I have been looking for the right person to do content editing, rewriting and process I call the millennial review on my book. Millennial Review is when you take previously boring put to you sleep text and make it more palatable to the reading appetites of today's millennials... (Budget: $30 - $250 USD, Jobs: Article Rewriting, Article Writing, Book Writing, Content Writing, Ghostwriting)
          A pharmacist who retired early at 38 after earning $150,000 a year had nightmares of being 'back at work arguing with morons'      Cache   Translate Page      

work office stress unhappy

  • The New York Times recently profiled several people who managed to retire comfortably in their 30s.
  • One of the people interviewed by The Times, 38-year old former pharmacist Jason Long, retired last year after earning a salary around $150,000 and saving up a $1 million nest egg.
  • Long did not enjoy his work as a pharmacist, and wrote in his blog that he has nightmares about being  "back at work arguing with morons." 

Many people dream of early retirement, and a big part of the allure can be escaping a job you hate.

Steven Kurutz at The New York Times recently profiled several people who managed to retire comfortably in their 30s. One of the early retirees Kurutz interviewed was Jason Long, a former pharmacist who retired last year at the age of 38.

Long has no regrets about leaving the world of retail pharmacy. In his blog, he wrote that he's "still having nightmares about once per month that [he's] back at work arguing with morons."

After nearly 12 years of working as a pharmacist, he wrote on his blog, he had a final salary of $150,000 at the time of his retirement, with an investment portfolio worth a little over $1 million.

Long's portfolio is split between 60% US stocks, 20% international stocks, and 20% municipal bonds. His spending plan targets withdrawing 3% of the annual starting balance each year, as long as the overall portfolio value remains above $1 million.

He has no plans to return to the working world, as long as his investment and spending plans continue to work out.

Since his retirement last year, Long has explored several hobbies and interests, including reading, marathon training, catching up on video games and movies, and volunteering at a local natural history museum.

In his blog, Long gave a simple rationale for retiring early. "It has been said that retirement is merely a decision to stop trading time for money. Since I no longer need more of the latter to sustain my standard of living, and since I do not enjoy and never have enjoyed the primary method at my disposal to acquire the latter, I have decided that the former is of more value to me going forward in life."

That's a common sentiment among early retirees. Grant Sabatier, who retired at the age of 30 and runs the blog Millennial Money, wrote about his inspiration for retiring early, "My goal was to make work optional as quickly as possible, so I could have more options with my time. If you view money as the goal, then you miss the point. Money is infinite, but time is not."

Check out the full New York Times article here, and Long's blog about post-early-retirement life here.

SEE ALSO: There's a community of people who retire in their 30s and 40s, and they use an obscene inside joke to congratulate each other

Join the conversation about this story »

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          6 Email Marketing Tips for HR Professionals      Cache   Translate Page      

Wazzup Pilipinas!

These days, HR professionals don’t exclusively work for one company. In recent years, demand for HR consultants has grown steadily. This trend shows no signs of slowing in the near future.
That said, HR professionals who want to take advantage of this opportunity need to successfully  market their services. Email can be particularly useful, as it remains one of the most effective digital marketing channels.
If you’re designing your first email marketing campaign, it’s essential to pay attention to best practices like personalizing subject lines and using anemail address checker. Keep the following tips in mind to achieve the best possible results.
Optimize for Mobile
These days, more people check email on mobile devices than on computers. Thus, it’s important that your messages are easily scannable on mobile devices. Avoid large sections of text and use formatting options like headers to organize your content. Include images, graphics, or video to break up the text.
Be Casual
When sending emails, you obviously want to convey to potential clients that you are a professional. That doesn’t mean you need to rely solely on technical language. It’s important that people receiving your emails feel like you are a real person. Using a casual and friendly tone can help you make the right first impression.
Offer Value
People who sign up to receive your emails do so because they believe you can offer them valuable content. Deliver on this expectation by making sure you have something to say whenever you send a message.
Merely promoting your services isn’t enough. You need to provide content a recipient can use in a practical manner. This can be as simple as sending emails with tips for navigating common HR situations.
Include the Recipient’s Name
An email marketing campaign won’t yield a substantial return on investment if no one actually opens your emails. That’s why it’s important to leverage tactics that can boost your open rate. Simply including a recipient’s name in the email subject line is an easy and effective way to do so. Personalized subject lines have been shown to boost email open rates by as much as 50%.
Edit Carefully
This may seem obvious, but it’s still worth mentioning. Too many marketers are in a rush to send out emails the moment they finish drafting them. This can cause them to send messages that contain numerous errors. You won’t make a good impression on a potential client if you appear like you don’t pay attention to detail.
Take the time to edit your emails, and have others look them over as well. They may spot mistakes you otherwise would have missed.
Monitor Your Progress
This might be the most important tip you can remember as you plan an email marketing campaign. You shouldn’t automatically assume a campaign will deliver results. It’s essential to monitor your performance by tracking open rates, conversions, and other key metrics on a regular basis.
Applying these tips to your email marketing strategy will help you attract more clients to your HR consulting business. However, you also need to monitor your campaigns. Doing so will help you learn how to improve them in the future.

          UCLA's infatuation with diversity is a costly diversion from its true mission      Cache   Translate Page      

By Heather Mac Donald
http://www.latimes.com/opinion/op-ed/la-oe-mac-donald-diversity-ucla-20180902-story.html
September 2, 2018



Image result for ucla diversity protest
Students who support the passage of a new diversity requirement proposal rallied at Meyerhoff Park in 2015.

If Albert Einstein applied for a professorship at UCLA today, would he be hired? The answer is not clear. Starting this fall, all faculty applicants to UCLA must document their contributions to “equity, diversity and inclusion.” (Next year, existing UCLA faculty will also have to submit an “equity, diversity and inclusion statement” in order to be considered for promotion, following the lead of five other UC campuses.) The mandatory statements will be credited in the same manner as the rest of an applicant’s portfolio, according to UCLA’s equity, diversity and inclusion office.

A contemporary Einstein may not meet the suggested evaluation criteria. Would his “job talk” — a presentation of one’s scholarly accomplishments — reflect his contributions to equity, diversity and inclusion? Unlikely. Would his research show, in the words of the evaluation template, the “potential to understand the barriers facing women and racial/ethnic minorities?” Also unlikely. Would he have participated in “service that applies up-to-date knowledge to problems, issues and concerns of groups historically underrepresented in higher education?” Sadly, he may have been focusing on the theory of general relativity instead. What about “utilizing pedagogies addressing different learning styles” or demonstrating the ability to “effectively teach and attract students from underrepresented communities”? Again, not at all guaranteed.

As the new mandate suggests, UCLA and the rest of the University of California have been engulfed by the diversity obsession. The campuses are infatuated with group identity and difference. Science and the empirical method, however, transcend just those trivialities of identity that UC now deems so crucial: “race, ethnicity, gender, age, religion, language, abilities/disabilities, sexual orientation, gender identity and socioeconomic status,” to quote from the university’s Diversity Statement. The results of that transcendence speak for themselves: an astounding conquest of disease and an ever-increasing understanding of the physical environment. Unlocking the secrets of nature is challenge enough; scientists (and other faculty) should not also be tasked with a “social justice” mission.

But such a confusion of realms currently pervades American universities, and UC in particular. UCLA’s Intergroup Relations Office offers credit courses and “co-curricular dialogues” that encourage students to, you guessed it, “explore their own social identities (i.e. gender, race, nationality, religion/spirituality, sexual orientation, social class, etc.) and associated positions within the campus community.” Even if exploring your social identity were the purpose of a college education (which it is not), it would be more fruitful to define that identity around accomplishments and intellectual passions — “budding mathematician,” say, or “history fanatic” — rather than gender and race.

Intergroup Relations is just the tip of the bureaucratic diversity iceberg. In 2015, UCLA created a vice chancellorship for equity, diversity and inclusion, funded at $4.3 million, according to figures published by the Millennial Review in 2017. (The EDI vice chancellor’s office did not have its current budget “at the ready,” a UCLA spokesman said, nor did Intergroup Relations.) Over the last two years, according to the Sacramento Bee’s state salary database, the diversity vice chancellor’s total pay, including benefits, has averaged $414,000, more than four times many faculty salaries. Besides his own staff, the vice chancellor for equity, diversity and inclusion presides over the Discrimination Prevention Office; BruinX, the “research and development arm of EDI”; faculty “equity advisors”; UCLA’s Title IX office; and a student advisory board. Various schools at UCLA, including medicine and dentistry, have their own diversity deans, whose job includes making sure that the faculty avoid “implicit bias in the hiring process,” in the words of the engineering school’s diversity dean.

These bureaucratic sinecures are premised on the idea that UCLA is rife with discrimination, from which an ever-growing number of victim groups need protection. The Intergroup Relations Office scours the horizon for “emerging social-identity-based intergroup conflicts,” according to its website. It has been hiring undergraduates and graduate students to raise their peers’ self-awareness of their “experiences with privilege and oppression.” These “diversity peer educators,” whose internship salaries come out of mandatory student fees, will host workshops on “toxic masculinity” and “intersectional identities” this fall. If UCLA is putting a comparable effort into organizing campus-wide workshops on the evolution of constitutional government or the significance of Renaissance humanism, it is keeping the effort out of sight.

Reality check: UCLA and the University of California are among the most tolerant, welcoming environments in human history for all races, ethnicities and genders. Every classroom, library and scientific laboratory is open to all qualified students on an equal basis. Far from discriminating against underrepresented minorities in admissions, UCLA and UC have sought tirelessly to devise surrogates for the explicit racial preferences banned in 1996 by Proposition 209. UCLA’s proportion of black undergraduates — 5% in 2016 — is less than one percentage point below the black share of California’s public high school graduates.

In 2016, 4% of UCLA’s faculty were black, 6.6% were Latino, 66% were white, and 18.6% were Asian. This distribution reflects the hiring pipeline, not hiring bias.

Blacks made up 4.7% of all doctorate recipients nationwide in 2006, 4.9% in 2010, and 5.2% in 2016, according to the National Science Foundation. But black PhDs have historically been concentrated in education; in the sciences, which make up a large proportion of the UCLA faculty, less so. In 2016, for example, 1% of all PhDs in computer science went to blacks, or 17 out of 1,659 doctorates, according to the Computing Research Assn. Many fields — nuclear physics, geophysics and seismology and neuropsychology, for instance — had no black PhDs at all.

Given such numbers, it is unrealistic to assume that every academic department at UCLA will perfectly mirror the state’s demographic makeup, absent discrimination. And yet the equity, diversity and inclusion office puts every member of a faculty search committee through time-consuming implicit bias training.

The ultimate solution to any absence of proportional representation in higher education is to close the academic skills gap. In 2015, only 14% of black eighth graders in California and 13% of Latino eighth graders scored as proficient or above on the National Assessment of Educational Progress math test, compared with 57% of Asians and 43% of whites. In reading, 16% of black eighth graders and 18% of Latino eighth graders were proficient or above, compared with 50% of Asians and 44% of whites. Such gaps have been constant over many decades.

It does not do UCLA’s students any favors to teach them to see bias where there is none. UC’s diversity bureaucracy is a costly diversion from the true mission of higher education: passing on to students, with joy and gratitude, the treasures of our cultural inheritance and expanding the boundaries of knowledge.

Heather Mac Donald is the Thomas W. Smith fellow at the Manhattan Institute. Her latest book, “The Diversity Delusion,” goes on sale Tuesday.

          Tendencia: El verde “blandiblú”      Cache   Translate Page      
Atrás queda el rosa millennial, el amarillo de la Generación Z o el ultraviolet, color oficial del año, según Pantone. El verde más llamativo que podamos imaginar es el tono que promete teñir el otoño del hemisferio norte. Los colores flúor regresan potentemente para desplazar a los pasteles. Pero entre el naranja más extremo, el fucsia iridiscente o el amarillo es el ‘verde blandiblú’ el que se lleva la gloria. A pesar de ser un tono complicado, parece que a muchas estrellas les gusta y lo demuestran como Kim Kardashian que lleva este tono hasta en sus autos o Blake Lively que lució un traje entero de este color.
          IT'S A START:      Cache   Translate Page      
Should Congress Enact Universal Savings Accounts? (Daniel Di Martino, SEPTEMBER 11, 2018, E21)

Republicans in Congress are aiming to revamp savings with the introduction of Universal Savings Accounts (USAs) for all Americans as part of the Family Savings Act of 2018. The bill would expand existing tax-free savings accounts such as 401(k)s, IRAs, and 529 College Savings Plans, and it would create USAs as a new type of account for all purposes with a $2,500 annual contribution limit. The chairman of the House of Representatives Ways and Means Committee expects to have the bill ready for a floor vote this month. [...]

Currently, Americans can take advantage of numerous tax-exempt savings accounts such as Individual Retirement Accounts (IRAs), 401(k)s, 529 college savings plans, and Health Savings Accounts. Each of these accounts has complicated rules governing how much individuals can contribute, and when and for which purposes they can withdraw their savings. For instance, while traditional IRAs have no income limits but require savers to withdraw their funds periodically starting at 70 ½ years old, Roth IRAs do have income limits but do not require withdrawals.

These restrictions create a barrier to saving. A survey by the Teachers Insurance and Annuity Association of America, a large financial service provider, found that the main reasons Millennials do not contribute to an IRA, beyond not having enough money to save, are that they do not know enough about them and that they are too complex. Moreover, a recent survey found that less than 30 percent of Americans know what a 529-college savings plan is, while less than 1 in 5 knows the basic restrictions associated with Health Savings Accounts.

Excessive complexity not only reduces savings particularly among young adults, as survey data confirm, but it also results in inefficiencies. Given that there are 15 types of tax advantaged retirement plans, and many other types of tax-advantaged accounts, savers change the timing of their consumption, and the amount and allocation of their savings to minimize their tax bill. Studies have shown that the complex taxation of savings not only reduces economic growth, but it also increases tax evasion and hinders tax enforcement.

Excessive complexity not only reduces savings, it also results in inefficiencies.

By contrast, USA account holders would not be hamstrung by complex rules. Universal Savings Accounts would simplify the system since they would allow individuals to withdraw their savings at any point in time and for any reason. Simplicity may increase savings among young adults, helping them benefit from the glories of compound interest early in their lives.

Now remove the contribution limit.

          Comment on History and Mastermind: Decoding Clues by Meg Stout      Cache   Translate Page      
One of the fascinating things about members of the Church is how they have a really difficult time dealing with the possibility that an honored leader erred in their past. Yet the scriptures are full of accounts of such fallen individuals, who were then redeemed from their error and went on to be great servants of God. Therefore we ought not be overly distressed if an honored leader experienced a brief period of confusion, if that brief period of confusion was followed by sincere repentance and a life of selfless works. I wrote two posts about this back when I first realized it was possible that Hyrum had been involved in the Brotherton incident: <a href="http://www.millennialstar.org/saul-and-alma-the-younger/">Saul and Alma the Younger</a> <a href="https://www.millennialstar.org/the-redemption-of-the-endowment/">The Redemption of the Endowment</a>
          Comment on History and Mastermind: Decoding Clues by Meg Stout      Cache   Translate Page      
Hi COB, I originally explained my conjectures regarding Brigham Young in 2015, in the post <a href="//www.millennialstar.org/give-brigham-young-a-break/”" rel="nofollow">Give Brigham Young a Break</a>. Before you facilely pronounce that Brigham Young could never have been temporarily misled, please address the points I bring up in that post. In particular, how does your construct: - explain the William Clayton journal entry of June 23, 1843 - explain the parallels between what Martha Brotherton claimed Brigham said with what Catherine Fuller claimed Bennett said to her to seduce her - explain the vehemence with which Joseph rejected Kimball’s plan to marry the Pitkin sisters, given that years later Heber did marry the Pitkins - explain why Boyd K Packer forced Nancy Briggs to terminate her PhD research into Heber Kimball, demanding that she turn over all of her drafts and notes.
          Are Millennials as Tech Savvy as Employers Expect Them to be?      Cache   Translate Page      
As the last wave of millennials (born 1981-1997) prepare to graduate college in 2019 it seems approp
          The Future Of Work: Creating Excellent Culture To Be An Employer Of Choice      Cache   Translate Page      
Millennials already make up a significant percentage of the “new workforce”. They seem to flourish in work environments where the experience includes diversity, transparency, and collaborative work cultures, with flexible working conditions and work that contributes to positive social influence. Why it is important to be “an employer of choice” An employer of choice is […]
          Gundlach: US Economy And Stocks Could Be "Burnt Out"      Cache   Translate Page      

By Robert Huebscher of Advisor Perspectives

Stimulative measures drive growth, and the U.S. economy and stock market have benefited from quantitative easing, lower rates, less regulation and tax cuts. But Jeffrey Gundlach admonished investors that too much stimulus can backfire.

Gundlach, the chief investment officer of Los Angeles-based DoubleLine Capital, spoke via webcast with investors on September 11. His talk was titled, “Miracle Grow,” and the focus was on his firm’s flagship mutual fund, the DoubleLine Total Return Fund (DBLTX). The slides from his presentation are available here.

Gundlach, an amateur gardener, said that he often uses Miracle Grow fertilizer to help his plants.

“But if you dump Miracle Grow on plants long enough it burns them out,” he said.

The growth of the deficit has been disconcerting. The deficit growth has been at levels that have historically been used to counter recessions, even though we have been in a nine-year-long period of growth.

The U.S. total debt outstanding and the total S&P return have moved up in tandem. That has been “miracle growth,” he said.

What’s going to happen when the next recession happens? The deficit could “explode,” Gundlach said.

Let’s look at what Gundlach said the future holds for the U.S. economy and stock and bond markets.

A recession ahead?

Tax cuts, deficits and debt have been responsible for the surges in U.S. growth – as are the threats of tariffs, which accelerated growth forward, according to Gundlach. Real GDP growth, he said, is at 2.9% and may be as high as 3.8% for Q3. Nominal GDP has accelerated as a result of higher inflation.

The last time nominal GDP grew at this rate was in 2004, which led to Fed rate hikes.

Is there trouble ahead? The year-over-year leading economic indicators (LEIs) are growing at 6.9%, matching the level at their peak in 2012-2013. “It’s very likely they will turn negatives,” and there is “no sign of a recession,” he said.

Sentiment surveys are “off the charts” and “have never been higher,” he said. This is the result of decreased regulation, according to Gundlach.

The PMI surveys are extremely strong (manufacturing is at 61.3 and at its highest level in 20 years). This, he said, is the result of “extraordinary” dovish central bank policies from the Fed and other central banks.

But the Fed is now in quantitative tightening (QT) mode. “We’ll see what happens as $60 billion/month of debt is retired, starting in October.”

There are also trillions of corporate maturities in the next five years, both in the U.S. and globally, according to Gundlach. Along with QT, that will lead to a lot of “interesting things” as all that debt needs to be re-floated, he said.

As debt has grown, it hasn’t been reinvested smartly, he said. Net government investment hasn’t grown. One of the positive things is that government capital spending has grown faster than consumption when compared to prior years, according to Gundlach.

Among households, student and auto loan debt has grown at alarming rates, he said. Millennials have been trapped into “lifelong debt problems” as a result of tuition increases, he said, which have been fueled by debt accessibility.

Home prices are up and home affordability is down, he said, so there has been a slump in housing growth. More than two-thirds of sentiment-survey respondents have said that it is not a good time to buy a home.

Countering Trump’s rhetoric

Gundlach generally stays out of politics in his webcasts. But this time he refuted some of President Trump’s claims.

This is not the “greatest jobs economy of all time,” Gundlach said, contrary to Trump’s claims. Wages growth has not kept up with inflation, except briefly in 2017, according to Gundlach. Wage growth is slowing down, according to data from the Atlantic Fed. Real average earnings growth is negative, with the CPI at 2.95%.

“It’s inflation that’s growing,” Gundlach said.

For the first 20 months of the Trump presidency, there have been 190,000 of new jobs per month. But under the last 20 months of Obama’s tenure, there were 211,000. Not only is this not the greatest jobs economy of all time, it is actually slightly worse than Obama’s presidency, and both periods were late-cycle in the economy, Gundlach said.

Since 1939, despite the huge increase in the population, there were “many, many” times when job growth was vastly higher than under Trump’s presidency, Gundlach said. But, Gundlach acknowledged, a lot of that historical growth happened when demographics were much more favorable than it is now.

The response to the next recession will be some form of universal basic income (UBI), he said. Gundlach cited a program like this in Sweden and noted the recent calls for UBI among socialist Democrats.

The miracle growth markets

Miracle Growth has been thrown at the markets, Gundlach said. As global central banks have pursued aggressively dovish policies, foreign stock market returns have responded in a similar way to those in the U.S.

But global stock markets are down this year, with some real “disasters” in the emerging markets, he said, due to the trade war.

“One of the things we will remember most about 2018 is that incredible divergence between the U.S. and global stock market returns,” Gundlach said.

Inflation has been picking up in the U.S. and internationally. Across the globe, 80% of countries have had rising inflation during the last three months. “We can clearly see that inflation has bottomed out and is heading higher,” Gundlach said. Both goods and services prices have been rising over that period.

We are not having problems getting inflation to the 2% level, according to Gundlach. There is good reason to believe the core CPI will go higher, according to DoubleLine’s proprietary models, the New York Fed’s Underlying Inflation Gauge (UIG) and the ISM PMI (which also is a leading indicator of inflation). Money growth (M2) supply also suggests a move above 3% for inflation, according to Gundlach.

A suicide mission

“It’s bad enough that deficits are increasing this late in the cycle, but we are increasing taxes and raising interest rates,” Gundlach lamented. It is a “suicide mission,” as Gundlach had called it in a previous webcast. If rates are hundred basis points higher, with $7 trillion of debt, there will be $140 billion of additional interest costs, according to Gundlach.

“This will put further pressure on the deficit and create a self-reinforcing cycle of higher debt and higher rates,” he said.

The Treasury could get overwhelmed by a “supply fear” that could lead to much higher inflation, with a tough economy and rising rates, Gundlach warned. “That would be the gateway to universal basic income. Americans would think they were getting something, but it would really be a devaluation of the dollar.”

The dollar’s next big move will be down and it will be lower than it is now by year end, he said. It has recently weakened versus the euro. That will help non-U.S. stock markets. But the dollar has strengthened relative to emerging markets, which has hurt those stock markets.

“The market is telling us the trade war is very bad for emerging markets, especially those with dollar-denominated debt,” Gundlach said.

But, he said, President Trump wants the dollar to be weaker and wants the Fed’s help to make this happen.

U.S. valuations, according to the CAPE ratio, are near 1929-levels. Emerging markets are at half the levels of the U.S., based on the CAPE ratio. It’s really hard to believe that equity markets will hold up. If it gets worse in the emerging markets, then it “has to be a global situation.”

That will happen if the dollar weakens.

Advice to investors

Since May, global markets are down 10% and the U.S. is up 7%. Emerging markets are down 20% over that period, which “looks like a bear market,” Gundlach said. But he does not expect this divergence to continue.

Commodities are at historically cheap levels, but are not going lower, according to Gundlach. “They are a late-cycle play and highly volatile” and they should “stay in the portfolio,” he said.

Gold, at approximately $1,200 per ounce, will increase in price as the dollar weakens. It is a “really good buy” at its current price and has “exhausted its downside,” Gundlach said.

The U.S. 10-year yield (at 2.97%) has been remarkably stable over the last several months. But if nominal GDP growth or the German 10-year yield moves higher – the two have historically been closely tied to U.S. 10-year rates – then it would lead to higher rates. But Gundlach said he does not have high conviction about the future direction of rates.

There is an extremely large speculative position against the Treasury market. Gundlach said that if rates head down, even a little, it could lead to a “stampede” and possibly to a 10-year rate as low as 2.25%. He called this scenario “conjectural” but not impossible.

The 30-year yield (at 3.12%) is nearing the 3.22% level, which Gundlach has previously cited as a threshold that would lead to higher rates, provided there are two consecutive closes above that rate.

Across sectors of the bond market, Gundlach said he is not a big fan of corporate bonds, which are two standard deviations rich, according to the DoubleLine models. Junk bonds are “very highly valued,” he said, but not in imminent danger. Corporate-debt-to-GDP is “horrifically” high, he said, and is inconsistent with tight option-adjusted spreads. Corporate bond yields are also suffering from historically high levels of supply.

With convertible bonds, investors are “basically owning stocks” he said. They are more of an equity investment.

Non-agency mortgage-backed (MBS) securities and floating rate bonds are his favored bond sectors.

Don’t buy Chinese stocks, he said. The financial problems there are “scary” and investors are better off in other Asian markets.

The S&P 500 will end the year modestly lower, he said.

“You want to be globally diversified,” Gundlach said. The U.S. market is sensitive to “just a few stocks.” If you want to increase beta, invest outside the U.S.

“I would not invest in e-commerce stocks,” Gundlach said. “I would rather sleep at night.”


          Gundlach: US Economy And Stocks Could Be "Burnt Out"      Cache   Translate Page      

By Robert Huebscher of Advisor Perspectives

Stimulative measures drive growth, and the U.S. economy and stock market have benefited from quantitative easing, lower rates, less regulation and tax cuts. But Jeffrey Gundlach admonished investors that too much stimulus can backfire.

Gundlach, the chief investment officer of Los Angeles-based DoubleLine Capital, spoke via webcast with investors on September 11. His talk was titled, “Miracle Grow,” and the focus was on his firm’s flagship mutual fund, the DoubleLine Total Return Fund (DBLTX). The slides from his presentation are available here.

Gundlach, an amateur gardener, said that he often uses Miracle Grow fertilizer to help his plants.

“But if you dump Miracle Grow on plants long enough it burns them out,” he said.

The growth of the deficit has been disconcerting. The deficit growth has been at levels that have historically been used to counter recessions, even though we have been in a nine-year-long period of growth.

The U.S. total debt outstanding and the total S&P return have moved up in tandem. That has been “miracle growth,” he said.

What’s going to happen when the next recession happens? The deficit could “explode,” Gundlach said.

Let’s look at what Gundlach said the future holds for the U.S. economy and stock and bond markets.

A recession ahead?

Tax cuts, deficits and debt have been responsible for the surges in U.S. growth – as are the threats of tariffs, which accelerated growth forward, according to Gundlach. Real GDP growth, he said, is at 2.9% and may be as high as 3.8% for Q3. Nominal GDP has accelerated as a result of higher inflation.

The last time nominal GDP grew at this rate was in 2004, which led to Fed rate hikes.

Is there trouble ahead? The year-over-year leading economic indicators (LEIs) are growing at 6.9%, matching the level at their peak in 2012-2013. “It’s very likely they will turn negatives,” and there is “no sign of a recession,” he said.

Sentiment surveys are “off the charts” and “have never been higher,” he said. This is the result of decreased regulation, according to Gundlach.

The PMI surveys are extremely strong (manufacturing is at 61.3 and at its highest level in 20 years). This, he said, is the result of “extraordinary” dovish central bank policies from the Fed and other central banks.

But the Fed is now in quantitative tightening (QT) mode. “We’ll see what happens as $60 billion/month of debt is retired, starting in October.”

There are also trillions of corporate maturities in the next five years, both in the U.S. and globally, according to Gundlach. Along with QT, that will lead to a lot of “interesting things” as all that debt needs to be re-floated, he said.

As debt has grown, it hasn’t been reinvested smartly, he said. Net government investment hasn’t grown. One of the positive things is that government capital spending has grown faster than consumption when compared to prior years, according to Gundlach.

Among households, student and auto loan debt has grown at alarming rates, he said. Millennials have been trapped into “lifelong debt problems” as a result of tuition increases, he said, which have been fueled by debt accessibility.

Home prices are up and home affordability is down, he said, so there has been a slump in housing growth. More than two-thirds of sentiment-survey respondents have said that it is not a good time to buy a home.

Countering Trump’s rhetoric

Gundlach generally stays out of politics in his webcasts. But this time he refuted some of President Trump’s claims.

This is not the “greatest jobs economy of all time,” Gundlach said, contrary to Trump’s claims. Wages growth has not kept up with inflation, except briefly in 2017, according to Gundlach. Wage growth is slowing down, according to data from the Atlantic Fed. Real average earnings growth is negative, with the CPI at 2.95%.

“It’s inflation that’s growing,” Gundlach said.

For the first 20 months of the Trump presidency, there have been 190,000 of new jobs per month. But under the last 20 months of Obama’s tenure, there were 211,000. Not only is this not the greatest jobs economy of all time, it is actually slightly worse than Obama’s presidency, and both periods were late-cycle in the economy, Gundlach said.

Since 1939, despite the huge increase in the population, there were “many, many” times when job growth was vastly higher than under Trump’s presidency, Gundlach said. But, Gundlach acknowledged, a lot of that historical growth happened when demographics were much more favorable than it is now.

The response to the next recession will be some form of universal basic income (UBI), he said. Gundlach cited a program like this in Sweden and noted the recent calls for UBI among socialist Democrats.

The miracle growth markets

Miracle Growth has been thrown at the markets, Gundlach said. As global central banks have pursued aggressively dovish policies, foreign stock market returns have responded in a similar way to those in the U.S.

But global stock markets are down this year, with some real “disasters” in the emerging markets, he said, due to the trade war.

“One of the things we will remember most about 2018 is that incredible divergence between the U.S. and global stock market returns,” Gundlach said.

Inflation has been picking up in the U.S. and internationally. Across the globe, 80% of countries have had rising inflation during the last three months. “We can clearly see that inflation has bottomed out and is heading higher,” Gundlach said. Both goods and services prices have been rising over that period.

We are not having problems getting inflation to the 2% level, according to Gundlach. There is good reason to believe the core CPI will go higher, according to DoubleLine’s proprietary models, the New York Fed’s Underlying Inflation Gauge (UIG) and the ISM PMI (which also is a leading indicator of inflation). Money growth (M2) supply also suggests a move above 3% for inflation, according to Gundlach.

A suicide mission

“It’s bad enough that deficits are increasing this late in the cycle, but we are increasing taxes and raising interest rates,” Gundlach lamented. It is a “suicide mission,” as Gundlach had called it in a previous webcast. If rates are hundred basis points higher, with $7 trillion of debt, there will be $140 billion of additional interest costs, according to Gundlach.

“This will put further pressure on the deficit and create a self-reinforcing cycle of higher debt and higher rates,” he said.

The Treasury could get overwhelmed by a “supply fear” that could lead to much higher inflation, with a tough economy and rising rates, Gundlach warned. “That would be the gateway to universal basic income. Americans would think they were getting something, but it would really be a devaluation of the dollar.”

The dollar’s next big move will be down and it will be lower than it is now by year end, he said. It has recently weakened versus the euro. That will help non-U.S. stock markets. But the dollar has strengthened relative to emerging markets, which has hurt those stock markets.

“The market is telling us the trade war is very bad for emerging markets, especially those with dollar-denominated debt,” Gundlach said.

But, he said, President Trump wants the dollar to be weaker and wants the Fed’s help to make this happen.

U.S. valuations, according to the CAPE ratio, are near 1929-levels. Emerging markets are at half the levels of the U.S., based on the CAPE ratio. It’s really hard to believe that equity markets will hold up. If it gets worse in the emerging markets, then it “has to be a global situation.”

That will happen if the dollar weakens.

Advice to investors

Since May, global markets are down 10% and the U.S. is up 7%. Emerging markets are down 20% over that period, which “looks like a bear market,” Gundlach said. But he does not expect this divergence to continue.

Commodities are at historically cheap levels, but are not going lower, according to Gundlach. “They are a late-cycle play and highly volatile” and they should “stay in the portfolio,” he said.

Gold, at approximately $1,200 per ounce, will increase in price as the dollar weakens. It is a “really good buy” at its current price and has “exhausted its downside,” Gundlach said.

The U.S. 10-year yield (at 2.97%) has been remarkably stable over the last several months. But if nominal GDP growth or the German 10-year yield moves higher – the two have historically been closely tied to U.S. 10-year rates – then it would lead to higher rates. But Gundlach said he does not have high conviction about the future direction of rates.

There is an extremely large speculative position against the Treasury market. Gundlach said that if rates head down, even a little, it could lead to a “stampede” and possibly to a 10-year rate as low as 2.25%. He called this scenario “conjectural” but not impossible.

The 30-year yield (at 3.12%) is nearing the 3.22% level, which Gundlach has previously cited as a threshold that would lead to higher rates, provided there are two consecutive closes above that rate.

Across sectors of the bond market, Gundlach said he is not a big fan of corporate bonds, which are two standard deviations rich, according to the DoubleLine models. Junk bonds are “very highly valued,” he said, but not in imminent danger. Corporate-debt-to-GDP is “horrifically” high, he said, and is inconsistent with tight option-adjusted spreads. Corporate bond yields are also suffering from historically high levels of supply.

With convertible bonds, investors are “basically owning stocks” he said. They are more of an equity investment.

Non-agency mortgage-backed (MBS) securities and floating rate bonds are his favored bond sectors.

Don’t buy Chinese stocks, he said. The financial problems there are “scary” and investors are better off in other Asian markets.

The S&P 500 will end the year modestly lower, he said.

“You want to be globally diversified,” Gundlach said. The U.S. market is sensitive to “just a few stocks.” If you want to increase beta, invest outside the U.S.

“I would not invest in e-commerce stocks,” Gundlach said. “I would rather sleep at night.”


          9/11 – A Millennials View      Cache   Translate Page      
BE SURE TO CHECK FOR THE TIME IN YOUR AREA LISTED BELOW During tonight’s episode of NO SLEEP, the hosts will honor those who were lost during 9/11 and discuss how these events may have affected or changed the way that children of the generation were raised. As an event that happened 17 years ago, was the event more transformative for older millennials than younger ones? How did the events shape or change the millennial view of the world? Join our NO SLEEP team tonight as they discuss 9/11 – A Millennials View. Listen LIVE at 8:00 PM ET | 7:00 PM CT
          New Catholic group aims to form next generation of women leaders      Cache   Translate Page      

Washington D.C., Sep 12, 2018 / 03:00 pm (CNA).- The GIVEN Institute hopes to shape a new generation of Catholic leaders through a program of faith formation, mentoring, and leadership for young women.

The institute was launched on Sept. 12, as it announced a program focused on engaging and supporting young women in the work of evangelization, vocational discernment, and professional advancement.

The GIVEN Institute was founded in response to what it says are bleak statistics on female involvement with the Church. According to a 2018 study published by the Center for Applied Research in the Apostolate at Georgetown University, only about 17 percent of young Catholic women attend Mass each week, while only about one-third of those women say they pray every day.

"At a time where millennial women are disaffiliating from the Church in increasing numbers, it would be really important for the Church to turn its attention to shoring up the faithfulness of the women who do want to serve the Church, so that they can carry on the legacy of faithful women who have gone before them," GIVEN executive director Elise Italiano told CNA.

The first iteration of the GIVEN project was a 2016 conference called the GIVEN Catholic Young Women’s Leadership Forum.

That event was sponsored by the Council of Major Superiors of Women Religions (CMSWR) and gathered together 300 young women from across the United States who met and discussed how best to “receive the gift they are, recognize the gifts they have been given, and respond with the gift that only they can give.”

The new GIVEN Institute aims to continue that mission by confronting what it says are two major challenges facing young Catholic women today: disaffiliation from the faith and Church, and a lack of integration of their gifts in areas of Church ministry.

"GIVEN celebrates the Church's vision for women's dignity and flourishing," Italiano said, stressing that this will form the baseline from which the institute will develop its programming to form young leaders.

“The question that GIVEN wants to tackle is: given that vision--for women's dignity and call--where can we move forward? Where can we expand on that?” 

The institute’s work will be based around two related programs.

The Catholic Young Women’s Leadership Forum will be GIVEN’s centerpiece event, held every two to three years. There participants will focus on different tracks, including vocational discernment, post-missionary work, and secular professional careers. The forum will feature keynote speakers, spiritual accompaniment, and networking opportunities, in addition to track-specific workshops and speakers.

Additionally, the institute will also launch the “Art of Accompaniment Mentoring Program” for alumnae of the Leadership Forum. This program will begin at the Leadership Forum, where attendees will be paired with a mentor from their specific track.

After the Leadership Forum, GIVEN will release digital webinars to assist with ongoing formation and to “extend the exploration of topics covered at the forum.” The mentoring program aims to build a network of female leaders who will meet with forum attendees on a one-on-one basis and provide them with personalized accompaniment.

“It’s always the right time to help young people pursue a path to holiness,” said Italiano, “but it’s increasingly clear that the Church must better facilitate a more robust presence of skilled, faithful women in its ranks.”

“The Church is always strongest and most effective in its mission when men and women work together.”

The GIVEN Institute’s events program will commence in 2019, with the first Leadership Forum expected to be held in June.


          Le Printemps met le cap sur le commerce en ligne dans le luxe et veut séduire les « millennials »      Cache   Translate Page      
Le Printemps, qui s’attend cette année à des ventes record, met le cap sur la commerce en ligne dans le luxe et veut séduire les « millennials » (15-25 ans) pour assurer son développement futur, a annoncé mardi le groupe. Avec une croissance des ventes au premier semestre 2018 de 6%, « cette année devrait être une année…
          Here's how much money millennials say they need to make to be happy      Cache   Translate Page      

Here's how much money millennials say they need to make to be happyThe salary millennials say they need to be happy has risen $30,000 in 2 years.



          TX-Sen: Another New Poll Shows A Very Tight Race Between Ted Cruz (R) & Beto O'Rourke (D)      Cache   Translate Page      

More good news out of Texas:

The path to reelection for Senator Ted Cruz R-TX may not be the walk in the park one would expect for a Republican in Texas politics. That according to the latest CBS 11 / Dixie Strategies Poll released Wednesday. Cruz is running against Democrat challenger, Congressman Beto O’Rourke D-El Paso.

Data also shows that both President Donald Trump and Texas Governor Greg Abbott appear to enjoy broad support from Texans, especially Republicans.

Likely voters in Texas were asked who they would vote for if the election for U.S. Senate were held today. While Cruz is ahead in the poll with only four points separating him from O’Rourke, the result is a statistical tie – within the margin of error of 4.3%. Of all likely voters in Texas surveyed, 46% of respondents said they would vote for Ted Cruz while 42% said they would vote for O’Rourke.

“Nearly 21% of voters do not have an opinion of Congressman O’Rourke,” said Brian Graham, Managing Partner of Dixie Strategies. “This is problematic as Senator Cruz can easily define him and capture those undecided voters.”

The poll which included 519 likely voters in Texas shows Cruz currently has a favorable rating of 52% compared to O’Rourke’s 45%.

“Senator Cruz is in a race that is tighter than it should be, considering Texas is a conservative state,” said Graham. “While Cruz is popular among Republicans, he is not so with Democrats. He also needs to improve his numbers among voters with no party affiliation.”

Graham said if Cruz wants to widen his lead over O’Rourke, he will have to “define him” by running a number of negative ads against him.

Graham said he thinks that once the campaign heats up in Texas, the gap between Cruz and O’Rourke will likely widen. But he also said that Cruz will have to ‘define’ O’Rourke. Graham thinks Cruz may have to run a number of negative ads if the incumbent expects to increase his lead over O’Rourke.

Of independent voters – those voters with no party affiliation (NPA) – 53% viewed Cruz unfavorably while 38% viewed O’Rourke unfavorably.

Graham said gaining the independent vote could present a challenge for Cruz.

But an expected visit to the state of Texas by President Trump could give the Cruz campaign a shot in the arm.

“The President is doing relatively well in Texas, compared to his national numbers,” said Graham. “His approval with Republicans, particularly his very favorable numbers are especially impressive. Meanwhile his very unfavorable numbers with Democrats are also something to note.”

According to the poll, 91% of Republican voters surveyed view President Trump favorably. Among all Texas voters, Mr. Trump enjoys a 51% favorability rating. Conversely, 84% of Democrat respondents said they view the President unfavorably.

Graham said this data reflects why a Trump rally can mean a lot for Cruz. “His popularity with Republicans is precisely why the President’s endorsement in Republican primaries is so potent,” said Graham.

It should be noted that this is one of the few polls where Trump performs way better than Cruz in Texas. The other poll to come out today also showed a tight, single-digit race:

Austin, TX – In a sign of just how crucial the millennial vote might be in the upcoming mid-term elections, a statewide poll released Tuesday shows Ted Cruz leading 47 percent to Beto O’Rourke’s 44 percent among likely Texas voters. Forty-nine percent of Texans between the age of 18-39 identify as supporting O’Rourke, while Cruz’s strongest support comes from voters ages 40 and above.

The Crosswind Texas Pulse Poll also hinted at some dissatisfaction toward Cruz from his own party: While the poll indicates an almost-equal party vote – with 81 percent Republicans favoring Cruz and 83 percent Democrats for his opponent – a surprising 15 percent of Republicans indicated their intent to vote for the Democrat. Forty-six percent of respondents who did not identify with either major party signaled their intent to vote for O’Rourke, versus 39 percent of non-affiliated or independent voters intending to pull the lever for Cruz.

Fifty-five percent of Hispanic voters and 57 percent of Black voters also expressed an intent to vote for O’Rourke, while 52 percent of white voters indicated their support for Cruz. However, 56 percent of voters who do not identify as white, Hispanic or Black also responded positively for Cruz. Only slightly more women overall support O’Rourke than Sen. Cruz, at 47 versus 42 percent.

“Texans are in for a nail-biter that has national implications,” said Crosswind CEO Thomas Graham. “O’Rourke is showing surprisingly strong support in traditionally red-state Texas, and Cruz has the edge in organization at this point, but clearly O’Rourke is gaining some ground.”

It’s important we keep Beto’s campaign well fueled so he can get ready to fight back. Click here to donate and get involved with Beto’s campaign.


          TX-Sen: New Poll Shows A 3 Point Race Between Desperate Ted Cruz (R) & Beto O'Rourke (D)      Cache   Translate Page      

Kudos to Mother Jones for capturing this:

Stop me if you’ve heard this one before: a new poll released Tuesday shows Democratic Rep. Beto O’Rourke in a tight race with Texas Republican Sen. Ted Cruz. The survey from Crosswind Media has Cruz up just three points—47 to 44—even as Republican Gov. Greg Abbott appears to be running away with his re-election campaign.

Surveys of the Texas Senate race have been pretty steady and they all point to a clear pattern—after coasting to election in 2012 and finishing second in 2016’s Republican presidential primaries, Cruz is in the race of his life. In the four previous public polls of the race, Cruz led by one point, four points, six points, and two points.

While Cruz has been attackingO’Rourke on the airwaves since early August, this poll was conducted amid a new onslaught of anti-O’Rourke ads funded by conservative outside groups, led by the Club for Growth. The spending comes as Washington Republicans are starting to fret publicly about a race that once seemed like a lock.

As a three-term congressman from El Paso, a city that’s not even in the same time zone as the rest of the state, one of O’Rourke’s biggest challenges is defining himself to an electorate that is mostly just discovering him—before Cruz and his allies do it first. That the race is this close with under two months to go suggests he’s succeeded in a way without recent parallel; if the margin were to stay as it is, it would be the closest statewide race in Texas in a generation.

Here’s some more info:

Austin, TX – In a sign of just how crucial the millennial vote might be in the upcoming mid-term elections, a statewide poll released Tuesday shows Ted Cruz leading 47 percent to Beto O’Rourke’s 44 percent among likely Texas voters. Forty-nine percent of Texans between the age of 18-39 identify as supporting O’Rourke, while Cruz’s strongest support comes from voters ages 40 and above.

The Crosswind Texas Pulse Poll also hinted at some dissatisfaction toward Cruz from his own party: While the poll indicates an almost-equal party vote – with 81 percent Republicans favoring Cruz and 83 percent Democrats for his opponent – a surprising 15 percent of Republicans indicated their intent to vote for the Democrat. Forty-six percent of respondents who did not identify with either major party signaled their intent to vote for O’Rourke, versus 39 percent of non-affiliated or independent voters intending to pull the lever for Cruz.

Fifty-five percent of Hispanic voters and 57 percent of Black voters also expressed an intent to vote for O’Rourke, while 52 percent of white voters indicated their support for Cruz. However, 56 percent of voters who do not identify as white, Hispanic or Black also responded positively for Cruz. Only slightly more women overall support O’Rourke than Sen. Cruz, at 47 versus 42 percent.

“Texans are in for a nail-biter that has national implications,” said Crosswind CEO Thomas Graham. “O’Rourke is showing surprisingly strong support in traditionally red-state Texas, and Cruz has the edge in organization at this point, but clearly O’Rourke is gaining some ground.”

We can win this race and Democracy for America is doubling down to help Beto win. Here’s the e-mail I received from DFA today:

Once, the Republican Party wouldn't have been worried that some young Democrat would take down one of their star incumbents in a state as red as Texas. Now, they’re shaking in their boots.

It's because of Beto O'Rourke, who Democracy for America endorsed because he's running a massive people-powered campaign that could topple Ted Cruz -- and potentially flip the Senate to Democratic Party control.

Now, new reports out this week show that -- with his poll numbers slipping -- Cruz may lose. And Republicans are freaking out.

The truth is, we’re not surprised. Beto is running an awe-inspiring grassroots campaign across the state of Texas focused on the issues that matter -- like Medicare for All -- and an economy that works for everyone, not just those at the very top.

Let’s give Beto’s campaign a boost right now so he can build on this exciting momentum to take down Ted Cruz -- and flip the Senate: Will you chip in $3 or more to help Beto win today?

After underestimating the grassroots power and promise of Beto’s campaign for Senate, top Republicans are now questioning Cruz’s chances of keeping his seat.

Cruz’s former communications director for his presidential campaign admitted on MSNBC that it’s “possible” he’ll lose, pointing out Beto “consistently out-fundraised him 2-to-1, and he doesn’t take PAC money.

The second top Republican in the Senate, John Cornyn, has called Beto’s people-powered momentum “a serious threat,” while Donald Trump -- who hasn't historically been, er, a big fan of Cruz -- has tweeted that he'll try his best to rally conservatives to Cruz's sad cause in October.

With November fast approaching, there is now serious hope that Beto's unprecedented grassroots campaign in Texas can flip this critical Senate seat. But if there's one thing we know, it's this: Now that they know that this race is seriously competitive, Republicans are going to give it their all to stop us from winning in Texas.

We’ve got to ramp up critical support now for Beto -- before Republicans can save Ted Cruz from political oblivion. Chip in $3 or more today to help Beto's grassroots volunteers knock on more doors, make more calls, and get out the vote today.

Thank you for doing your part to support Beto's game-changing campaign today.

- Eden

Eden James, Political Director
Democracy for America

Click here to donate to Beto’s campaign.


          Comment on Roth IRA Explained in Plain English for Millennials by 7 Wealth-Building Budget Items That Are Often Overlooked - H-H Real Estate      Cache   Translate Page      
[…] traditional or Roth IRA is another smart budget line item to consider as well. Taking advantage of the tax benefits and the […]
          Millennial Money Moves – Patrice Murphy, owner of Curves and Gains      Cache   Translate Page      
Patrice Murphy, owner of “Curves and Gains” talks about giving up the corporate world to pursue her true passion: being a personal trainer and helping people obtain a healthy lifestyle through proper nutrition, exercise, sleeping habits and weight loss.  Millennial Money Moves, Presented by Industrial Bank.
          Generation Z is bullish on homeownership, despite weight of college debt      Cache   Translate Page      
Millennials might be scaling back their hopes for homeownership, but the generation behind them is dreaming big. More than eight in 10 adult members of Generation Z, the oldest of whom were born in 1995, said they expect to buy a home within the next five years, according to new survey results from PropertyShark. Survey respondents between ages 18 and 23 also said on average they expect to pay $37,000 for their next down payment, ... [more]
          Kohl's teams with PopSugar on millennial fashion      Cache   Translate Page      
Kohl's is courting millennials with a PopSugar collection that uses social listening to predict trendy fashions.  -More

           Comment on The Zeroth Column: Part 2: The Normalization of Deviance by A. Vickstrom       Cache   Translate Page      
Regarding the Catholic Church's gay hierarchy -it goes without saying that their control of knowledge + demand for celibacy acted as a tool to dumb down the masses. Smart boys would be sent off to monasteries & never have families. Centuries of this behavior dumbed down the populace. <blockquote>is it possible that the United States Army, Navy, Air Force, and Marines are not, in fact, a bunch of dedicated patriots – the very definition of patriotism and Americanism – but, in fact, a cabal of traitors – not the best America has to offer, but in fact, the worst?</blockquote? To be brutally honest: there are tens of thousands of US soldiers in Germany & the UK and they are <em>not</em> the best America has to offer. They constantly knock up local girls, bully local men, throw trash everywhere, shout & scream at pubs - basically they act like nignogs (and that includes a good chunk of the White(ish?) ones). Americans who actually live in America are far smarter & more pleasant than the troops sent abroad. Why? Because any American millennial with two brain cells to rub together knows that the US Army isn't heroically defending the USA from 'muh terrorists.' That's what your DOD & intelligence services are for. So what is the US military good for? It's a tool of imperial enforcement. Smart people know this. So you end up with a military filled with goons who have an IQ of 85-105 or so, a few smart guys who were desperate for a job serving as mechanics, some skanks, and then there's the heartless bureaucrats than run the whole thing. Of course, Western Europe's militaries are downright clownish in comparison to the US military because they are not properly funded, armed, or trained. They're akin to the foreign auxiliary troops that the Romans used to support their legionaries.
          Down with The Dingle House      Cache   Translate Page      

Note: this is part one of my posts about my real estate experience. This one covers all the trials and tribulations I went through, while Part Two will address all the mistakes I made and the lessons I learned from them.  I am ecstatic to announce The Dingle House is sold and not my problem […]

The post Down with The Dingle House appeared first on Fiery Millennials.


          Breaking down millennials' dinner planning habits      Cache   Translate Page      
There was a time when millennials were referred to as one big generational group and their behaviors were attributed to their generation versus their age or life stage.
          Rita Lee Takes A Facial On Her Debut      Cache   Translate Page      
Release Year: 2018 Studio: Private Genres: Blowjob, Brunette, Facial, First Time at Private, Russian, Shaved Pussy, Teen, Tiny Tits In Private’s Millennials Fuck Better 6 we celebrate legal age teenager snatch throughout the priceless form of Rita Lee, a nasty Russian hottie who gives Vincent Vega [...]
          PREMIERE — Pontchartrain – Papillion (Original Mix) [Cauldron Records] [MI4L.com]      Cache   Translate Page      
In this modern world, many a record label stake their claim on the global stage by championing antiquated formats such as Compact Disco, Vinyl Record and…in this case, Cassette Tape. Where as the bulk of millennial music buyers could hardly (truthfully) claim to have remembered when the Cassette Tape was king and music stores stocked […]
          The housing market is 'in an absolute perfect storm for demand,' real estate CEO says       Cache   Translate Page      
Century 21 CEO Nick Bailey says demand is brewing among millennials, who are late bloomers to marriage and children — and homeownership, too.
          'Convenience' will drive tire industry growth, differentiation — Rich Kramer       Cache   Translate Page      
AKRON — "Convenience" is the watchword that will dominate the tire-buying experience as millennials take center stage in the consumer arena, and those companies that figure out how to streamline the buying process will outpace the competition.
          Love Letter To A Record: The Paper Kites On Andy Shauf’s ‘The Party’      Cache   Translate Page      

"Terrified, confused and self-critical, you personify a vast majority of us millennials, while also posing a timely question: Why am I still at the party?"

The post Love Letter To A Record: The Paper Kites On Andy Shauf’s ‘The Party’ appeared first on Music Feeds.


          Eternal Reich: Audio Insurgency 19 – ER 091218      Cache   Translate Page      
er 091218a

This week’s Audio Insurgency sets off at a pace from the very first track with Elessar, who has really been showing how versatile he is recently. Houseschwitz then goes into overdrive with one of the few tunes on his ‘Glorious Master Rave’ album that doesn’t feature Adolf Hitler samples. All this dance-floor mayhem builds us up nicely for a new release from Stormking, his first for quite a while due to injury and you know it’s him right from the second those synth drums begin and the bass kicks in. Add guitar solo and hand claps and you have another Stormking classic that almost makes up for his absence.

Wolf212 winds things down with an ambient selection featuring Millennial Woes talking about how he became an anti-Semite, smoothly blending into the orchestral sounds of the Decency.

The heavenly harmonies of Too Much Gold start the guitar section off before handing over to Staatsfeind with their soundtrack to the recent Chemnitz demonstrations. A whole album has been released already by bands inspired by those events in Germany and we have two tunes from another movement compilation tonight as well, Reconquista Germanica, which is full of trad folk tunes guaranteed to get you in the mood for a White revolution. If you don’t turn the volume up for these two then you have forgotten what it means to live.

How can you follow something like that? Macht & Ehre do their best with a menacing piece of viking rock full of cascading twin guitar melodies that gets your head nodding and your feet tapping despite not understanding the language it’s sung in.

Landser have the penultimate slot with their laid-back singalong ‘Nordland’ showing how the simplest arrangements can sometimes be the most effective, while White Man’s Burden returns to finish the podcast off with a song about the hypocrisy and double standards that we see all around us.

Elessar and Wolf212 are on Youtube
Stormking is on Bandcamp
The Decency, Too Much Gold & White Man’s Burden are at Soundcloud
Housechwitz, Staatsfeind, SDF, Reconquista Germanica & Macht & Ehre are at 88.nsm
01:03 Elessar - The Fire Rises - NEW
05:47 Houseschwitz – Ressurection - NEW
09:10 Stormking - Abyssal Wayfarer - NEW
12:36 Wolf212 – Truth - NEW
14:58 The Decency – Desire - NEW
18:55 Too Much Gold – Strangers - NEW
22:40 Staatsfeind – Skinheads Chemnitz - NEW
25:58 SDF – Altermann - NEW
33:10 Reconquista Germanica – Soldnerschwein - NEW
37:33 Reconquista Germanica – Des Geyers Schwartzer Hauffen - NEW
43:30 Macht & Ehre - Es Muss Noch Starker Kommen - NEW
48:33 Landser – Nordland – RERELEASE
52:20 White Man’s Burden – Let Me Get This Straight - NEW
Presented by Eternal Reich

Eternal Reich: Audio Insurgency 19 – ER 091218




Download (55:41)

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          Casting: Miami, Florida      Cache   Translate Page      
Miami Talent Casting is Seeking Models for a European Clothing Brand! REQUIREMENTS : Males and Females. Ages 15-28 (looking). All ethnicities, heights, and sizes. Looking for young trendy, modern millennials. SHOOT DATE : Shoot will be in November 2018 SHOOT LOCATION : Miami PAY: $1,500.00 BOOKING BY PHOTO! TO SUBMIT: Please send whole body pics […]
          9/13/2018: ARTS & LIFESTYLE: A NEW KIND OF LADIES’ NIGHT COMES TO DUBAI      Cache   Translate Page      

“If you don’t drink, how do you meet people?” It’s a question often asked to Muslim millennials, writes author Shelina Janmohamed in her book Generation M: Young Muslims Changing the World. Janmohamed defines Generation M as a group of young Muslims...
          Millennial movement: How this generation is getting voters to the ballot box      Cache   Translate Page      
National campaigns are trying to get the millennial voting bloc to the polls.
          Five Things to Know When You Move to the Space Coast of Florida      Cache   Translate Page      
There’s more to Florida than retirees and Mickey Mouse. The Space Coast has carved its mark as a backdrop to some of the most influential moments in human history. With surfing beaches, arts districts, and a reasonable cost of living, the area is the perfect place for millennials to move.
          How to Reach the Hidden Market of Baby Boomer Women      Cache   Translate Page      

Are you among the 91 percent of marketers ignoring a massive consumer demographic with trillions of dollars to spend? Unless you’re marketing to baby boomer women, the answer is yes.

 

Baby boomer women (currently aged between 54 and 72), account for more than half of the 78 million baby boomers. The net worth of women aged 50+ is $19 trillion. They’re also poised to inherit even more money from their parents: Boomer women are projected to control two-thirds of all consumer wealth over the next decade.

 

Here’s what boomer women are doing, what they want and how to reach them.

81170675_s.jpg

 

Embracing technology

 

Tech adoption rates among boomers have soared in recent years. Nearly seven in 10 boomers own smartphones, 52 percent own tablets, and 57 percent use social media. A whopping 94 percent of boomer women shop online.

 

Life transitions

 

Some boomer women are still in the “sandwich generation,” caring for both children and aging parents. Convenience is paramount for this demographic, especially if they work outside the home, and they’ll spend more for products and services that save them precious time.

Other boomer women, with adult children finally out of the nest, have more time and financial resources to devote to themselves. Still others are single for the first time in decades: The divorce rate among adults age 50+has doubled since 1995.

 

Hot products and services for boomer women

 

  • Travel: Regardless of where they go, whom they’re going with, or who’s paying, women make 80 percent of all travel decisions. They’re also more likely to travel solo than men. Consider offering women-only tours where solo female travelers can make new friends; “girlfriend” travel packages for women traveling with friends or daughters; or couples’ packages for empty-nesters revitalizing their relationships.

 

  • Fashion: Nearly seven in 10 boomer women believe the fashion industry ignores them; 82 percent say apparel for women their age is too old-fashioned. Take a cue from the profitability of plus-sized clothing: If you can take the physical changes of age into account and sell clothing that’s good-quality, flattering and current, you’ve got a ready market.

 

  • Health and fitness: Boomer women want to stay active and fit, but they’re not up for hard-core boot camps. Instead, try personal training and low-impact fitness regimens like Pilates, barre and yoga.

 

  • Financial planning: Boomer women need expert guidance for managing they money they control; divorcees need help navigating a new financial reality. Financial planners that cater to women instead of assuming men control the finances will find success.

 

                    Read more: Women and Financial Wellness: Beyond the Bottom Line

 

  • Adult education: Whether finally indulging a passion for watercolor painting, learning Italian or prepping for a late-life career change, boomer women are eager to learn new skills and rediscover old hobbies.

 

Marketing do’s and don’ts

 

Try these tips to market to boomer women.

 

  • Keep it real. Most ads portray boomers either as frail seniors who can’t work a cell phone, or uber-fit triathletes. Avoid these extremes and use realistic images of boomer women in your advertising.
  • When choosing images, keep in mind boomers tend to see themselves as 10 years younger than they are—but not 20 or 30 years younger. Avoid teenagers and 20-somethings as models.
  • Use imagery of boomer women
  • Target peers. Boomer women get their beauty information from friends and family, consumer reviews, and lifestyle and beauty blogs. Use social media and online review sites to spread word-of-mouth about your business.
  • Understand how women buy. According to Marti Barletta, an expert in marketing to women, women tend to have a longer sales cycle and ask more questions about products and services. Provide plenty of details and be patient. Check out more articles about marketing.

 

About Rieva Lesonsky

Rieva Lesonsky Headshot.png

Rieva Lesonsky is CEO and Co-founder of GrowBiz Media, a custom content and media company focusing on small business and entrepreneurship, and the blog SmallBizDaily.com. A nationally known speaker and authority on entrepreneurship, Rieva has been covering America’s entrepreneurs for more than 30 years. Before co-founding GrowBiz Media, Lesonsky was the long-time Editorial Director of Entrepreneur Magazine. Lesonsky has appeared on hundreds of radio shows and numerous local and national television programs, including the Today Show, Good Morning America, CNN, The Martha Stewart Show and Oprah.

 

Lesonsky regularly writes about small business for numerous websites and for corporations targeting entrepreneurs. Many organizations have recognized Lesonsky for her tireless devotion to helping entrepreneurs. She served on the Small Business Administration’s National Advisory Council for six years, was honored by the SBA as a Small Business Media Advocate and a Woman in Business Advocate, and received the prestigious Lou Campanelli award from SCORE. She is a long-time member of the Business Journalists Hall of Fame.

 

Web: www.growbizmedia.com or Twitter: @Rieva

You can read more articles from Rieva Lesonsky by clicking here

 

Bank of America, N.A. engages with Rieva Lesonsky to provide informational materials for your discussion or review purposes only. Rieva Lesonsky is a registered trademark, used pursuant to license. The third parties within articles are used under license from Rieva Lesonsky. Consult your financial, legal and accounting advisors, as neither Bank of America, its affiliates, nor their employees provide legal, accounting and tax advice.

 

Bank of America, N.A. Member FDIC. ©2018 Bank of America Corporation


          You Can Get a Tattoo at DC’s Latest Hotel for Millennials      Cache   Translate Page      
DC will get its first Moxy hotel, at 10th and K streets, NW on October 30th. The six-year-old brand from Marriott already has outposts in London, New York, Chicago, and dozens of other locales. Its Washington debut follows several other recent hotel openings aimed at hip, young professionals. Eaton DC—the resistance-themed property down the street […]
          9/13/2018: Business: Millennials are not into buying stocks      Cache   Translate Page      
Their experience of the worst financial crisis since the Great Depression scarred them deeply, though it is not known yet if this psychological damage is permanent, evidence gathered by researchers for the Vanguard Group suggests. |
          The $10 Solution to My Messy Living Room Problem      Cache   Translate Page      

The surest sign you've entered a millennial apartment isn't the fiddle leaf fig or the Edison light bulbs (although those make great options on the Millennial Apartment bingo board), it's the phone chargers. Now that we carry our smartphones as if they were surgically attached to our limbs, our living rooms have evolved to grow cords that emerge from outlets and tangle across the floor or creep over the backs of couches.

READ MORE »


           Millennials rejoice! Avocado prices are slashed to just 10 CENTS – but there's a catch       Cache   Translate Page      
Avocado lovers were shocked to find the expensive fruit available for a mere ten cents at Wanneroo Coles, Perth.
          What Any Millennials Should Read About Investing      Cache   Translate Page      
Article Link: 
  • But I bet you don’t want to read another article full of basic investing advice for young professionals, right?
  • Instead of putting money in a savings account, you use a monthly payment to pay off your original loan while your money is already invested.
  • I decided to borrow 25K over 5 years to buy a piece of land.

          Millennials were the hardest hit by the financial crisis – like Generation X, it will scar them for years to come      Cache   Translate Page      
The housing crisis hasn't helped, with the lack of available properties and inflated prices keeping people locked into the cycle of ever-increasing rent curbing their ability to save
          Rita Lee Takes A Facial On Her Debut HD      Cache   Translate Page      
Rita Lee Takes A Facial On Her Debut HD
Release Year: 2018
Studio: Private
Cast: Rita Lee
Genres: Blowjob, Brunette, Facial, First Time at Private, Russian, Shaved Pussy, Teen, Tiny Tits
Video language: English

In Private’s Millennials Fuck Better 6 we celebrate teen pussy through the fine form of Rita Lee, a naughty Russian babe who gives Vincent Vega the ride of his life. She gets him hard with a sensual blowjob and then he returns the favour with some intense pussy eating that leads to a hardcore pounding. She gives this experienced stud a taste of real teen pussy and for a first timer she has certainly impressed us! This not so innocent slut finishes her first scene off like a pro, taking a hot and sticky facial.

Format: mp4
Duration: 24:20
Video: 1920x1080, AVC (H.264), 12006kbps
Audio: 122kbps

Rita Lee Takes A Facial On Her Debut HD Rita Lee Takes A Facial On Her Debut HD
Rita Lee Takes A Facial On Her Debut HD Rita Lee Takes A Facial On Her Debut HD

Rita Lee Takes A Facial On Her Debut HD
File size: 2.1 GB

Rita Lee Takes A Facial On Her Debut HD

Rita Lee Takes A Facial On Her Debut HD
http://svalka.ws/
          Amelia: The Tourism App for Millennial Women      Cache   Translate Page      
Amelia: The Tourism App for Millennial Women
          Rita Lee Takes A Facial On Her Debut      Cache   Translate Page      
Rita Lee Takes A Facial On Her Debut
Release Year: 2018
Studio: Private
Genres: Blowjob, Brunette, Facial, First Time at Private, Russian, Shaved Pussy, Teen, Tiny Tits

In Private’s Millennials Fuck Better 6 we celebrate teen pussy through the fine form of Rita Lee, a naughty Russian babe who gives Vincent Vega the ride of his life. She gets him hard with a sensual blowjob and then he returns the favour with some intense pussy eating that leads to a hardcore pounding. She gives this experienced stud a taste of real teen pussy and for a first timer she has certainly impressed us! This not so innocent slut finishes her first scene off like a pro, taking a hot and sticky facial.

Format: mp4
Duration: 24:20
Video: 640x360, AVC (H.264), 975kbps
Audio: 91kbps

Rita Lee Takes A Facial On Her Debut Rita Lee Takes A Facial On Her Debut
Rita Lee Takes A Facial On Her Debut Rita Lee Takes A Facial On Her Debut

Rita Lee Takes A Facial On Her Debut
File size: 190.7 MB

Rita Lee Takes A Facial On Her Debut

Rita Lee Takes A Facial On Her Debut
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          5 Great Gig Economy Jobs for People 50+      Cache   Translate Page      

Earlier this year, the Second Annual Self-Employment Report, from cloud-based accounting software FreshBooks, said that 24 percent of boomers make up the next wave of independent workers. The generation of people in their 50s and 60s may fall into third place behind millennials and Gen X (at 42 percent and 34 percent, respectively), but that…

The post 5 Great Gig Economy Jobs for People 50+ appeared first on Next Avenue.


          Author: Modernization has often meant westernization for Asia. Not for China's millennials      Cache   Translate Page      
There are around 400 million millennials in China and companies hoping to tap into that market need to understand what shapes their decisions, says Zakary Dychtwald, founder and CEO of think tank Young China Group.
          The millennialisation of design: why everything looks the same      Cache   Translate Page      
In the rush for generational appeal, brands shouldn't give up their unique identities.
          Millennial-Led Channel NX2Z Equips the Next Generation of Technology Professionals      Cache   Translate Page      
The channel is facing a generational crisis.
          It's not just millennials: the rise of the midlife phone-phobe      Cache   Translate Page      
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          Why Saying “Millennials Love Learning” Sells L&D Short      Cache   Translate Page      

Lately, I’ve noticed a common refrain among L&D publications around the web: “Millennials love learning.” This generalization is a backhanded compliment in a sea of outright negative think pieces, many of them focused on the scourge of “Millennials in the workplace.” A-list management publications, from Harvard Business Review and CLO to Forbes and Inc., have […]

The post Why Saying “Millennials Love Learning” Sells L&D Short appeared first on Grovo Blog.


          ¿Qué es un normie? La palabra que los hipsters usan para meterse con la gente que sigue las modas sin más, no es tan mala      Cache   Translate Page      

Normie Portada2

Normie. Derivado de normal, del lat. normālis. Adj. Dícese de la persona normal o básica. Alguien común y corriente que sigue las modas. Los normies van en manadas, como las ovejas, y para los hipsters (quienes acuñaron el término) son aburridos y nada interesantes. Se emplea para meterse con las personas felices, con una vida plena, despreocupada, sin especial interés por libros, arte o historia, con pareja, mascota… Los hipsters dirían gente común y sin nada especial.

Existen personas que son especiales por naturaleza. Aquellos que ya en el cole dieron la nota por llevar la carpeta forrada con frases de Nietzsche, por ser los precursores del corte a capas o por ser los primeros que escucharon el disco de las Spice Girls.

Y luego esta el resto. Los que descubrieron Wannabe en la radio tras escucharla en bucle, los que llevaban la carpeta con fotos de Leo en Titanic y los que empezaron a ponerse top crop para lucir el piercing del ombligo cuando los chicas populares del instituto lo hicieron.

Según Know your Meme los hipsters usan la palabra normies para calificar a aquellos que siguen modas, que viven felices, que siguen al resto, que no son especiales.

Aunque su primera aparición fue en el Urban Dictionary en 2004, hemos encontrado menciones a normies en el diccionario Oxford de coloquialismos o en el Wiktionary. Ni la RAE, ni la Wikipedia lo contemplan, aunque los hipsters no paren de usarlo. Quizá a ti te lo han dicho alguna vez. Aquí tienes 27 señales que debes cumplir para ser un normie. Y aunque debes cumplir todas y cada una de ellas para ser considerado uno, te adelantamos que puede que te sientas un poquito normie hoy.

1.- Vives en Madrid, no has ido a ninguno de sus museos, pero no te has perdido la exposición de Harry Potter que hubo en Navidad.

2.- Tuviste las agendas de Mr. Wonderful y ahora tienes las de La vecina rubia.

3.- Llevas el pelo con un corte bob después de que lo pusieran de moda Bella Hadid y Patricia Manfield .

4.- Tu película favorita está entre Gladiator, Braveheart y El diario de Noa.

5.- Tienes la biker amarilla de Zara (al igual que medio millón de mujeres españolas) y más de 5 prendas clasificadas como las más vendidas de la temporada, porque sigues todas las modas sin rechistar.

6.- En el coche escuchas Los40 y te sabes todos los éxitos de la radio.

7.- Postureo es tu segundo nombre: cuando comes fuera lo primero que haces es una foto de tu plato y cuando sales del gym un selfie para subirlos Instagram.

8.- Ves The Big Bang Theory el 100% de las veces que aparece cuando haces zapping (a pesar de que no es tan buena como parece)

9.- Usas el filtro del perrito en tus stories y fotos de Instagram.

10.- Comerías poké bowls a diario.

Aloha Poke

11.- Pero antes, habrías comido sushi a diario.

12.- Pero mucho antes, habrías comido rollitos de primavera a diario.

13.- Hiciste zumba cuando se puso de moda, luego te pasaste al running cuando era el deporte más top y ahora vas a apuntarte a boxeo porque es lo que se lleva.

14.- Usas frases como "salir de tu zona de confort" o "tienes que ser tú mismo".

15.- Usas los hashtag #aquísufriendo #nitanmal y #deterraceo.

16.- Tu sueño es ir al Coachella y hacerte una foto con shorts, botas y una diadema de flores.

17.- De cada 10 fotos que cuelgas en redes sociales, cinco son de tu mascota. Incluso puede que tengas una cuenta solo para tu mascota porque te encantan los animales.

Gato Normie

18.- Tienes al menos una foto de espaldas en la playa sin la parte de arriba del bikini, como el resto de tus amigas.

19.- Pides Puerto de Indias en el bar de tu barrio porque queda mejor en las fotos un gin tonic de color rosa.

20.- Seguiste (como todos los millennials de España) Operación Triunfo por la tele, por Instagram y por Youtube y crees que Aitana es una diosa.

21.- Cuelgas en tu muro de Facebook mensajes motivacionales porque quieres transmitir tu felicidad a los demás.

22.- Sigues a Rubijarena, Aiteda, Almaia y cualquier shippeo que crezca en RRSS.

23.- No conoces el nombre de ningún cuadro de Velázquez excepto el de Las Meninas y por una canción trap.

24.- Sabes quién es Kendall Jenner pero no quién es Hiparquía.

25.- Adoras los vídeos/gifs/fotos de gatitos.

26.- Te sabes el estribillo de las canciones de Maluma, pero no sabrías distinguir Beethoven de Chaikovski.

27.- Empezaste a ver Juego de Tronos para no perderte en las conversaciones con tus amigos.

Si ahora estás hiperventilando, no worries. todos somos normies en mayor o menor medida, porque el ser humano está acostumbrado a ir en manada, a seguir normas y porque realmente nadie, repito, nadie es tan especial como cree ser.

Fotos| Unsplash, Instagram @skrillex, @alohapokespain, @quesiquieresarrozcatalina

En Trendencias| Normcore: cuando ser normal es el nuevo negro; 19 palabras que son tan bonitas que querríamos que existieran en todos los idiomas


          When feminist groups leave women interns behind      Cache   Translate Page      

Hayley Farless, a reproductive justice advocate and writer currently based in Washington, D.C., puts forward a view on an ongoing hypocrisy for feminist nonprofits.

AS SEEN plastered on the website of pretty much every online store that sells “feminist merchandise,” outspoken feminist Flavia Dzodan once wrote an essay entitled “My Feminism Will be Intersectional or It Will Be Bullshit,” and as a feminist, I think about that philosophy a lot.

When I graduated from college last year, I quickly decided my feminist activism wasn’t just a hobby. For me, the fight for equality became a literal full-time job, although not at first. Before finally landing a job, I completed several internships, and — by Dzodan’s pretty spot-on standards — I saw quite a bit of bullshit in the feminist nonprofit sector.

Several prominent feminist organizations have recently found themselves in the news for union busting, but it isn’t the only ongoing hypocrisy and clear lack of intersectionality happening in this work.

Image from SocialistWorker.org

The glaring status quo that I found in way too many job postings and interviews is that many feminist nonprofits — the ones that are fighting for health care access, reproductive rights, women’s representation in politics and, yes, even equal pay — aren’t paying their interns enough to survive, and often, not at all. That’s a huge problem.


AS FUN as being a professional feminist might sound, the work is hard, and the feminist nonprofit sphere is tough to break into.

For young adults clawing their way into making a career out of feminist advocacy, an internship is often the only place to turn when trapped in the space between graduating college and being experienced enough for what generations before us called “entry-level positions” — lower-level jobs that now almost always require between two and five years of experience.

Readers’ Views

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The internship is no longer voluntary if you want to make advocating for gender equality your profession and gain enough experience to land something “entry level.”

This hiring trend might be relatively okay if the internship were simply a change in title from the so-called entry-level job. The responsibilities and workload are largely the same as a full-time staffer — you would expect the pay to be somewhat similar, even if internships don’t offer employment benefits like health insurance or retirement plans or protection from workplace sexual harassment.

The problem at the center of the transition toward internships for recent graduates is that almost none of these internships pay enough to support the basic needs of an individual, and many of them don’t pay at all.

While no exhaustive data currently exists, experts estimate that between 500,000 and 1 million internships go unpaid in the U.S. every year, and even more are paid meager wages or stipends.

These numbers are very likely to be even higher for the nonprofit sector, which is largely powered by free and low-cost labor. That fact, along with the Trump administration’s recent changes to make it even easier to deny adequate pay to interns, means that conditions are likely to worsen for interns, including those at feminist nonprofits.

Even worse, many of the feminist organizations who are hiring for these internship positions are not transparent about the lack of reasonable pay. The listings for their internships are often posted alongside staff positions with no mention of their being unpaid.

Some will be clearly labeled as a paid position, but candidates frequently won’t find out until mid-interview that it’s actually a stipend, which basically means that an intern can be paid far below minimum wage without any legal consequences for the employer.

I’ve personally applied and interviewed for “paid” full-time internships with progressive women’s rights organizations and then been offered less than $2 an hour as “pay.” I’ve also been told more than once — after spending my time tailoring my resume, writing and submitting a cover letter, and completing a half-hour interview — that a full-time internship was unpaid.

These advocacy organizations seem ashamed enough of this practice to hide it from applicants, but not ashamed enough to stop devaluing their labor.


CHOOSING NOT to pay interns a livable wage is, first and foremost, exploitation. Most interns today aren’t getting coffee or making copies. For most organizations, their interns are doing hands-on work in the office or out in the field, rather than receiving the education and training that internships are allegedly intended to provide.

Interns are frequently expected to show up to the job with their skills, rather than develop them there with the help of mentorship. They’re planning the fundraising events, they’re drafting the social media posts, they’re answering the office phones, they’re organizing the volunteers for big campaigns and so much more.

In short, interns are laboring within these organizations to further their missions — and stretch their budgets. Many of them are working 40 hours or more a week for these organizations — so why aren’t they paying them in exchange for their work?

These organizations’ reluctance to properly pay their interns has one of two — or potentially both — dangerous effects.

First, it perpetuates the cycle of mostly privileged women holding leadership positions in feminist organizations and other prominent civil society leadership roles. Poor women, which disproportionately includes women of color, queer women, trans women and other women who are marginalized because of their intersectional identities, often can’t afford to work for free or for low wages.

Without internship experience under their belts, these women — who are already less likely to be seen as qualified because of the myriad of intersectional discriminations they face — aren’t as competitive as others when they apply for full-time positions in women’s rights organizations. These women simply can’t get their foot in the door without the documented competency and accompanying references that come from internships.

Not to mention, studies have shown that those with paid internship experience are significantly more likely to get a job offer than those with internships that weren’t paid.

The lack of pay for internship labor presents major barriers for low-income women who hope to excel in the nonprofit sector and also excludes their critical voices from informing prominent feminist work. It further privileges those who are already privileged and continues to marginalize those who are already marginalized.


FURTHERMORE, THE failure by feminist organizations to pay interns what they earn is blatant divestment from women’s empowerment.

The unfortunate functioning of toxic masculinity and associated gender roles means that feminist progress remains largely an issue that is powered by women. While there are some men or folks of other genders who fill these professional roles, the vast majority of women’s organization interns are women.

Not to mention, women make up nearly 80 percent of people who accept unpaid internships. These young women, who are being paid very little or not paid at all, lose all financial empowerment when organizations fail to compensate them for what they’re worth.

Money may not buy happiness, but it does buy food, water, shelter, electricity, transportation to work, health insurance, textbooks, business casual clothing, internet access, birth control, health care co-pays and so forth. Being paid a livable wage keeps these women from entering or remaining in highly precarious financial situations.

For feminist advocacy organizations, choosing not to pay interns a livable wage is choosing to be an active participant in the financial oppression of the women who work for them. This practice perpetuates both pay and representative leadership disparities for women across the United States, and it belittles the contributions of interns who are often keeping these organizations afloat with their capacity-building labor.

On the surface, it may make sense. Budgets are tight for a lot of these organizations. They want to stretch their programming dollars as far as they can, and when the current employment market makes it possible to hire free, or nearly free, labor, it’s tempting to follow suit.

These organizations want to positively impact as many women as possible with their advocacy, but it’s sometimes easy to forget about the young women who buzz around the office nearly unseen, making that advocacy possible.

As progressives working towards intersectional women’s rights, we must resist the economic urge to exploit and further burden the women who are in some way less privileged than we are, and that includes the interns who sit at the desk in the corner.

If you’re an organization working towards gender equality across the globe or here at home, make sure you’re starting in your own office. Pay your interns — and everyone else who works for you — a livable wage.


          29 small businesses you can start today      Cache   Translate Page      
From Instagram marketing to being a DJ, millennials have the edge in creating for and selling to people with their own coveted demographic.
          Orlando Magic downtown complex's future hotel should be upscale and 'millennial oriented,' expert says      Cache   Translate Page      
The long-awaited project, slated for completion in 2021, has the potential to be a game changer for the region.

          Millennials’ 10 Favorite Brands are Pretty Lame      Cache   Translate Page      

Maybe us Millennials aren’t as interesting as we think we are. According to a recent report detailed by Bloomberg, the ten favorite brands of the most “fashion-forward” Millennials are all basic AF. Commissioned by Conde Nast and Goldman Sachs, the report surveyed both “mainstream consumers” and Conde Nast readers — which the company shamelessly defines...

The post Millennials’ 10 Favorite Brands are Pretty Lame appeared first on Well Spent..


          J. Mendel keeps it garden bright for NYFW      Cache   Translate Page      
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Two things were abound at J. Mendel's New York Fashion Week presentation, color and furs. Designer Gilles Mendel was inspired by the "Jardin A Giverny" painting by Claude Monet, as he loved the painting's exuberant tints and the poetic nature of the women depicted who embraces this fable and puts energy into her presence.

However, Mendel's inspiration didn't just stop with Monet. He also found inspiration in Guy Bourdin's 1970's images, to find color inspiration. "I envisioned my woman in the late 70s where she's playing with those very beautiful hues of color, and she's also kind of a woman who is just fun," Mendel said to FashionUnited. "She's partying, she's having a great time. At night time she might be at one of those places like Studio 54 where she's mingling with Mick Jagger."

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J. Mendel gets bright and colorful for spring/summer 2019

For Mendel, it was all about finding taking the classical and giving it a fresh update. Couture techniques were used to manipulate fabrics, creating exquisite details such as hand-pleats and ruffles contouring the dresses. "I want to reach any age of women," Mendel said to FashionUnited. "I think all women generally appreciate and love my clothes, because I do things that are in a way classical, but with a twist and more sophisticated. My clothes are for a woman who likes to go out. Everyone has a place in my heart from the millennials to the older ladies."

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While many brands are invested in expansion and the idea of global growth, Mendel likes the state and pace the brand is growing it and has no big ambitions to make the brand too commercial. "At the moment the brand is very good where it's at," Mendel said to FashionUnited. "We have a very unique atelier. We're like a small bakery making very special things. These days it's good to say true to yourself and what you do, so we don't have an immediate look for expansion. It's about making what we do the best we can."

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Despite his penchant for precedent, Mendel also took some out of character approaches for this collection. While he typically prefers minimalist, subdued colors, this collection included pinks, purples, greens, and peach as part of the color palette. Silk, organza, and chiffon made up the luxurious materials of this collection. Of course it wouldn't be J. Mendel without a good fur, with notable fur pieces including sheered mink, sable, broadtail and chinchilla.

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After all these generations, the brand has stayed true to its classic image and heritage. To sum it up: glamour never dies.

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          (Infographic) The Financial Advice Millennials And Gen Zers Want To Know      Cache   Translate Page      
Having a grasp on your financials is tricky, but it's crucial if you want to be successful. And that starts with getting the right advice.
          IS ERIC TRUMP AN ANTI-SEMITE -- OR IS HE LIVING IN A TIME WARP?      Cache   Translate Page      
So this happened today on Fox & Friends:
Eric Trump is lashing out at veteran Watergate journalist Bob Woodward, and his remarks are drawing accusations of anti-Semitism....

Co-host Steve Doocy ... noted that the anonymous New York Times op-ed, combined with Bob Woodward’s book, “Fear,” has thrown the administration into “chaos.”

Eric Trump pushed back.

“Don’t you think people look through the fact, you can write some sensational, nonsense book, CNN will definitely have you on there because they love to trash the president. It’ll mean you sell three extra books, you make three extra shekels, at the behest of the American people, at the behest of our country, that’s doing a phenomenal job by every quantifiable metric. Is that really where we are?”



White nationalist bigots like to invoke "shekels" -- but Woodward isn't Jewish, and even Eric Trump might be sufficiently well informed to know that. Also, "a few shekels" is a long-established phrase in English meaning "a certain amount of money." Many people have used the expression who aren't flagrantly anti-Semitic.

But does any person under the age of 50 use this expression on a regular basis? Eric Trump is 34. For him, this should be a dad expression -- or maybe even a granddad expression. (Based on a search of book files, Google's Ngram says the use of the expression "a few shekels" peaked in 1936, when Eric's grandpa Fred Trump was a little younger than Eric is now.)

The Trumps always seem to be living in a time warp. With his overdone steaks and aversion to several decades' worth of cooking innovation, not to mention his decor preferences, Donald Trump seems to be a guy whose clock stopped around the time the Rat Pack were still playing the Sands. Eric and Donald Jr. still seem to be getting tonsorial advice from American Psycho's Patrick Bateman. So maybe Eric -- who's technically a Millennial -- would really talk like his grandpa.

Then again, his grandpa was once arrested at a KKK rally, so maybe we don't have to choose between Eric the throwback and Eric the bigot.
          Point of View September 12, 2018 : Millennial Roundtable      Cache   Translate Page      
Wednesday, September 12, 2018 Dr. Nick Pitts is the host of today’s Millennial Roundtable. He is joined by First Liberty’s Chelsey Youman and by Jonathan Pokluda from Watermark Community Church. They will be talking about a plethora of current issues including Jonathan’s book, “Welcome to Adulting.” It’s going to be fun!! Give us a call at 800-351-1212 or post a question on facebook at www.facebook.com/pointofviewradio. Read More →
           ZEENAT MOORAD: Going ape for Cadbury       Cache   Translate Page      
Cadbury’s parent, Mondelez International, is having to rethink its game plan to reach millennial consumers
          Unlike millennials, Gen Zers actually want to buy homes      Cache   Translate Page      
The kids are all right. In fact, when it comes to buying a house, they’re doing better than millennials. Members of Generation Z (who are born after 1995) are more set on homeownership than their millennial predecessors (born after about 1981). A new study by PropertyShark found that 83 percent of surveyed Gen Z folks...
          “This story rarely gets told”: 10 years of women’s resistance to austerity across Europe      Cache   Translate Page      

From the UK to Greece, women have been hit hardest by austerity policies since the 2008 financial crisis. This month, 50.50 will spotlight our stories of resistance.

Women protest for equal pay and dignity at work in Barcelona, March 2018. Women protest for equal pay and dignity at work in Barcelona, March 2018. (Photo: Ramon Costa/Zuma Press/PA Images. All rights reserved).I was 17 and dating a particularly sexist boyfriend when the Lehman Brothers filed for bankruptcy, sparking the global financial crisis and reshaping the world we live in. A decade on, I’ve lived the entirety of my ‘millennial’ adult life under austerity in the UK – and have found strength and friendship from families of resistance that women have created in response to years of harmful policies.

“This story rarely gets told,” political sociologist at the University of Warwick, Akwugo Emejulu, told me, of the resistance strategies of women of colour in particular. “Many activist women of colour are rendered invisible by their insistence on doing local community work,” she said, contrasting high-profile occupations such as Occupy London and Los Indignados with our “under the radar” organising.

Over the last decade, women across Europe have responded to austerity policies imposed on us since the 2008 crisis. We’ve fought to expose and challenge the specific impacts of austerity on women, creating new communities in the process, from Sisters Uncut in the UK to Mwasi Collective (Paris) and Soul Sisters (Berlin).

These collectives, led by women of colour, are among Europe’s “most exciting and innovative,” says Emejulu. “They combine hard-nosed grassroots activism with cultural production to organise… and also create new cultural and artistic spaces by and for women of colour,” she explains, emphasising that resistance also consists of “self-help groups and sister circles where community and friendship can be built”.

Crucially, women, migrants, working-class communities, people living with disabilities, non-binary and trans people, aren’t passive victims to harmful economic policies: they resist. It’s this resistance that 50.50 will spotlight this month, in an alternative series to mark the tenth anniversary of the financial crisis, including special reports from Spain and Italy and a photo essay.

A decade on, I’ve lived the entirety of my ‘millennial’ adult life under austerity in the UK.

I remember well the years following the financial crash – the horror of the coalition government coming to power in 2010 and student marches against rising tuition fees. But I was never massively taken by student politics, which I found male-dominated.

It wasn’t until 2014 when a friend dragged me to a protest that I felt politically at home. It was organised by Sisters Uncut – a feminist group that uses creative direct actions to highlight austerity as state violence.

On Valentine’s Day, we brought London’s busy Oxford Circus roundabout to a standstill. Dressed in funeral attire and holding placards saying ‘They Cut, We Bleed’, we read out the names of some of the hundreds of women in the UK who have lost their lives to domestic violence since 2010.

I remember being struck by the range of their ages, ethnicities and locations. Every week, two women are murdered by a partner or ex-partner in this country. Meanwhile, government cuts to domestic violence services and refuges have made it harder for many, and potentially impossible for some, to leave violent relationships.

While initial reports described the crisis as a ‘man-cession’, focusing on men’s jobs at risk, the burden of austerity has fallen largely on women. As elsewhere in Europe, women in the UK use more public services; they are the majority of welfare benefit recipients – and the majority of public-sector workers; they’re also more likely to make up for lost public services with unpaid care work.

Sisters Uncut protest in June 2016 outside parliament. Sisters Uncut protest in June 2016 outside parliament. Photo: Niku Gupta.Sisters Uncut’s ‘feministo’ list of demands begins: “To those in power, our message is this: your cuts are violent, your cuts are dangerous, and you think that you can get away with them because you have targeted people who you perceive as powerless. We are those people. We are Sisters Uncut. We will not be silenced.”

Since 2014, we’ve blossomed into a national movement. Our actions have taken many forms – and have left us feeling exhilarated, united in our resistance, powerful and dangerous. We blocked Westminster bridge in 2016, for instance, in a symbolic protest against cuts to domestic violence services. We also reclaimed an empty council flat in east London and turned it into a community centre.

Last year, we occupied Holloway women’s prison in north London to demand that it become a domestic violence service, rather than luxury flats. This February, we stormed the BAFTAs red carpet to call ‘Times Up’ on UK prime minister Theresa May for years of devastating austerity policies.  

While initial reports described the crisis as a ‘man-cession’, focusing on men’s jobs at risk, the burden of austerity has fallen largely on women.

Across Europe, women have challenged waves of austerity policies and cuts to public services. They’ve led protests, occupied buildings, organised for employment rights and formed new communities of resistance, support and solidarity.

Women protest an eviction in Rome, August 2017. Women protest an eviction in Rome, August 2017. (Photo: NurPhoto/SIPA USA/PA Images)In Montenegro, thousands of mothers demonstrated in February 2017 against cuts of 25% to financial assistance for women with three or more children. Dozens camped outside government offices overnight. The new policy, they said, would impact more than 21,000 women. They held placards reading “Gentlemen from the government, beware of the women — mothers” and “Our children are hungry.”

Women also camped outside government offices in Greece after hundreds of cleaners were dismissed from (newly outsourced) jobs in 2014, amid European Union austerity demands. The cleaners drew attention to their specific experiences as middle-aged women and adopted the symbol of a rubber glove with two fingers forming a V for ‘victory.’ They also travelled to Strasbourg to lobby members of the European Parliament. In 2015, the new Greek government reinstated their jobs.

Workers’ rights have also been won at SOAS and LSE universities in the UK through the ‘justice for cleaners’ campaigns, as the workforce (made-up of mostly migrant women), has demanded better wages, sick leave and to be employed in-house.

As part of 50.50’s series, journalist Claudia Torrisi will report from Rome where many families live in occupied buildings amid a ‘housing emergency’. In the Viale del Policlinico occupation, 140 people of different nationalities (including children, women and old people) live in constant fear of eviction.

From Spain, journalist Rocío Ros will profile the ‘Las Kellys’ movement of hotel cleaners who have mobilised for better working conditions and against the outsourcing of their jobs. Their recent campaign promotes hotels with fair employment practices (and shames those without them), calling on the popular travel website TripAdvisor to adopt the Las Kellys ‘seal of approval.’

Members of Las Kellys at an event in August 2017. Members of Las Kellys at an event in August 2017. (Photo: Diario de Madrid/Wikimedia Commons. CC BY 4.0).I asked Emejulu, at the University of Warwick, specifically about the experiences of women of colour living under, and mobilising against, austerity.

She said they “have been all but erased from the narrative about who has been hit hardest by the crisis and austerity, who is organising to reverse these counter-productive cuts and who should be the target of policy action to address the misery that has been created because of the rollback of the social welfare state.”

Why? “Firstly and most importantly, there is a relentless focus on local conditions in neighbourhoods”, she said, giving as examples the community organising of women of colour against “the closure of community centres, the increasingly dirty streets and parks, the struggle for affordable housing and the cuts to benefits.”

Meanwhile, Emejulu stresses, where women of colour “are routinely dismissed as alien Others,” their local organising and “creation of spaces of collective affirmation and solidarity is radical politics.”

Where women of colour “are routinely dismissed as alien Others,” their organising and “creation of spaces of collective affirmation and solidarity is radical politics.”

In London, the Latin American Women’s Rights Service (LAWRS) is one example of a community group that creates space for migrant women who feel increasingly isolated due to the government’s ‘hostile environment’ policies coupled with austerity.

LAWRS provides advice, information, counselling and advocacy services for Latin American women, and safe spaces to talk about their experiences and interests. “By organising around issues that matter to the women they regain the power that they feel they have lost to an abusive system,” coordinator Ornella Ospino told me.

Through LAWRS, Ospino says, women migrant workers in precarious jobs have followed Latin American ancestral practices of collective support, offering advice on unions, resisting immigration raids and assisting with job searches. Survivors of domestic violence have organised to advise each other on how to navigate services.

Anti-austerity protest in London, June 2015 amid the evictions of most residents from a Barnet housing estate. Anti-austerity protest in London, June 2015 amid the evictions of most residents from a Barnet housing estate. Photo: Alan Stanton/Flickr. (CC BY-SA 2.0). Also in London is Focus E15, formed in 2013 by 29 single mothers. After being served eviction notices and deemed ‘intentionally homeless’ for refusing to take accommodation offered in other cities, far from their communities, they occupied empty council flats. Developers eventually withdrew from planned sales.

The group continues to fight for better housing conditions for single mothers in east London. They organise an open-mic every week outside a local shopping centre where people can take the microphone and share their stories.

It’s important to support people “to have the confidence to directly challenge their circumstances,” said Saskia, one of the women involved in Focus E15.

“Their voice is very important, and they have a right to express anger about their situation and lead their struggle,” she said, adding: “We have become a solid family who share organising, thrash out differences, yet continue!”

“We have become a solid family who share organising, thrash out differences, yet continue!”

The community spaces we’ve created at Sisters Uncut are among the most radical actions we’ve taken. They expose (and respond to) the absence of community contact we all feel in this neoliberal austerity-stricken society.

As part of this collective, I feel I am part of a resistance to the government’s austerity agenda. It’s here that I’ve now formed some of my closest friends and networks – even both of my (biological) sisters organise with Sisters Uncut.

The pernicious austerity policies of the last decade were not passed unopposed. Overlooking the resistance of women has enabled a “tired narrative of equating economic crisis with right-wing populism” that Emejulu argues “doesn’t hold water.”

“If it did,” she asks, “what explains this flourishing of European Black feminist activism among those women who are in long-term economic crisis?”

Topics: 
Civil society
Equality
International politics
Rights: 
CC by NC 4.0

          Digital Immigrant trifft auf Digital Native: Das Elternbuch zu WhatsApp, YouTube, Instagram & Co.      Cache   Translate Page      

„Das Elternbuch zu WhatsApp, YouTube, Instagram & Co.“ ist für die zweite Auflage komplett aktualisiert worden – und hilft Eltern bei der Orientierung. Auch ihr könnt euch vermutlich noch an das klobige Telefon mit der Wählscheibe erinnern, vorzugsweise in beige oder kotzgrün, richtig? An die Telefonzelle, erst gelb und mit Münzschlitz und dann allmählich ein bisschen moderner, als telekommagentafarbener Glasunterstand, mit Karte zu bedienen? Obwohl ich per definitionem zu den ältesten Millennials zähle, habe ich dies noch genau vor Augen, und deshalb bin ich – vermutlich so wie ihr – ein Digital Immigrant. Ich bin irgendwann in diesem Neuland angekommen, von außen, aus einer analogen Welt. Ein Handy habe ich, seit meine Kinder klein sind, und natürlich sind sie damit aufgewachsen, dass ich sie damit fotografiere, darüber Nachrichten lese, auf sozialen Medien abhänge, die armen Kleinen auch gelegentlich ignoriere (mea culpa) zugunsten der interessanten Dinge in der digitalen Welt. Meine Kinder kennen Werbung nur vor YouTube-Clips und suchen sich sonntagmorgens eine Animationsserie auf Netflix raus. Was das Fernsehprogramm ist, wissen sie nicht mehr – und …

Der Beitrag Digital Immigrant trifft auf Digital Native: Das Elternbuch zu WhatsApp, YouTube, Instagram & Co. erschien zuerst auf oreillyblog.


          A history of Mini design as the car marque gears up to go electric      Cache   Translate Page      
Mini’s inherent paradox is that although it is more than willing to push its brand into new sectors, the company is also more tightly bound to its origin story than many rivals. Yet big change is coming. As of next year, Mini will start selling an all-electric car, the Mini E. Taking stylistic cues from the Mini Electric Concept shown last year, the Mini E should tick all the boxes demanded by millennial motorists, providing it matches its conventional sibling in terms of handling, ride and character. We sampled the latest version of the company’s best-known model, the Cooper S, to gauge exactly what those qualities are. If anything, Mini is undergoing a new phase of maturity, eschewing the rather cartoonish ‘go-kart’ qualities that it used from the outset of the reborn brand. Today’s Cooper S still has the zest, but with less of the cultural baggage that cluttered up the rebirth of the brand. There’s...
          David Foster Wallace Broke My Heart      Cache   Translate Page      

Ten years after his suicide, I marvel at his genius but mourn the crushing burdens he carried.

I miss David Foster Wallace.

That may seem a strange thing to say since I never met him. When he died—ten years ago to the day, by suicide—I had barely heard of him.

But at different times, and in different ways, he started showing up in my life. And, slowly, I started paying attention.

And it was in that paying attention that I came to miss him.

‘And But So …’

First, a little background may be in order.

David Foster Wallace was born in 1962 and lived for 46 years. He published just two novels when he was alive, The Broom of the System and Infinite Jest. A third novel, The Pale King, was pieced together from an almost-finished manuscript and notes after he died, and it was nominated for a Pulitzer Prize. He also published short stories and a couple non-fiction books, mostly long-form journalism collected from magazines such as Harpers and The New Yorker. That’s about it.

Not all of it was excellent. Wallace could be weird, rambly, and esoteric. But all of it was unique, distinctive, particular. Just as Terrence Malick (some say) invented a new vocabulary for cinema, Wallace invented a new form for the novel.

Take his masterwork, Infinite Jest. It’s a 1,079-page book with a hundred pages of footnotes. Despite its mammoth length, it does not have proper chapter divisions. Sentences often go on for hundreds of words. A few are more than 1,000 words long. It has so many characters that fans and critics built a website to catalog them. Some sentences are positively luminous, but one of the book’s most common phrases, used sometimes as a stand-alone sentence, is a pedestrian, colloquial, ambiguous expression that has become a catch phrase for a certain class of literary millennials:

“And ...

Continue reading...


          Makin Waves with Nalani & Sarina: “We actually like each other’”      Cache   Translate Page      

Twinergetic folk ‘n’ funk soul-pop duo Nalani & Sarina have kicked off their first-ever national tour with local stops coming up at The Bitter End, Asbury Lanes, Raritan Valley Community College and Asbury Park Yacht Club.

  Central Jersey twinergetic folk ‘n’ funk soul-pop duo Nalani & Sarina were among the many performers at Hub City Sounds: ROCK New Brunswick on September 8 in Boyd Park, but they’re also rocking the world with their own independent label, Telepathy Records, and its debut album, The Circle.

  The Millennial-themed collection is a generational rallying cry in terms of college debt …


          Comment on The Entrepreneurial Slog by Actual advice      Cache   Translate Page      
I re-read everything I wrote, and really nothing is asshole-ish. It’s just not what you want to hear, because you’re used to validation of all of your poor choices via the commentary on here. Some of the best advice I’ve gotten in my life I originally took negatively. Blind praise isn’t usually helpful. Make friends in your life that are strong enough to tell you when you’re being foolish. You’ll be better for it. But since you started name calling, I’ll finish it: you’re an entitled millennial brat that doesn’t have a clue what she’s doing, emboldened in your terrible decision making by her blog of sycophantic supporters. Also, your haircut is awful.
          Kosher dishes get a modern makeover in new cookbook      Cache   Translate Page      
Chanie Apfelbaum has created a collection of bold, cultural and trendy dishes for "Millennial Kosher."
          Groot deel millennials binnen twee jaar op zoek naar nieuwe baan      Cache   Translate Page      
Millennials zijn niet de meest loyale werknemers. Zo geeft iets minder dan de helft van deze groep aan van plan te zijn binnen twee jaar te willen wisselen van baan, terwijl slechts 28% laat weten meer dan vijf jaar bij dezelfde werkgever in dienst te willen blijven.
          Smartphone generation big growth opportunity for us: Canon      Cache   Translate Page      
More and more people, especially the millennials, are clicking photos via smartphones and for the Japanese camera giant Canon, this has created a huge market to tap as these people now want to experience something bigger and better which the camera and imaging pioneer can easily provide.
          Drive real impact with socially responsible 401(k) funds      Cache   Translate Page      
Adopting this mindset could inspire far more millennials to invest in these plans, making the companies that offer them more attractive employers.
          “This story rarely gets told”: 10 years of women’s resistance to austerity across Europe      Cache   Translate Page      

From the UK to Greece, women have been hit hardest by austerity policies since the 2008 financial crisis. This month, 50.50 will spotlight our stories of resistance.

Women protest for equal pay and dignity at work in Barcelona, March 2018. Women protest for equal pay and dignity at work in Barcelona, March 2018. (Photo: Ramon Costa/Zuma Press/PA Images. All rights reserved).I was 17 and dating a particularly sexist boyfriend when the Lehman Brothers filed for bankruptcy, sparking the global financial crisis and reshaping the world we live in. A decade on, I’ve lived the entirety of my ‘millennial’ adult life under austerity in the UK – and have found strength and friendship from families of resistance that women have created in response to years of harmful policies.

“This story rarely gets told,” political sociologist at the University of Warwick, Akwugo Emejulu, told me, of the resistance strategies of women of colour in particular. “Many activist women of colour are rendered invisible by their insistence on doing local community work,” she said, contrasting high-profile occupations such as Occupy London and Los Indignados with our “under the radar” organising.

Over the last decade, women across Europe have responded to austerity policies imposed on us since the 2008 crisis. We’ve fought to expose and challenge the specific impacts of austerity on women, creating new communities in the process, from Sisters Uncut in the UK to Mwasi Collective (Paris) and Soul Sisters (Berlin).

These collectives, led by women of colour, are among Europe’s “most exciting and innovative,” says Emejulu. “They combine hard-nosed grassroots activism with cultural production to organise… and also create new cultural and artistic spaces by and for women of colour,” she explains, emphasising that resistance also consists of “self-help groups and sister circles where community and friendship can be built”.

Crucially, women, migrants, working-class communities, people living with disabilities, non-binary and trans people, aren’t passive victims to harmful economic policies: they resist. It’s this resistance that 50.50 will spotlight this month, in an alternative series to mark the tenth anniversary of the financial crisis, including special reports from Spain and Italy and a photo essay.

A decade on, I’ve lived the entirety of my ‘millennial’ adult life under austerity in the UK.

I remember well the years following the financial crash – the horror of the coalition government coming to power in 2010 and student marches against rising tuition fees. But I was never massively taken by student politics, which I found male-dominated.

It wasn’t until 2014 when a friend dragged me to a protest that I felt politically at home. It was organised by Sisters Uncut – a feminist group that uses creative direct actions to highlight austerity as state violence.

On Valentine’s Day, we brought London’s busy Oxford Circus roundabout to a standstill. Dressed in funeral attire and holding placards saying ‘They Cut, We Bleed’, we read out the names of some of the hundreds of women in the UK who have lost their lives to domestic violence since 2010.

I remember being struck by the range of their ages, ethnicities and locations. Every week, two women are murdered by a partner or ex-partner in this country. Meanwhile, government cuts to domestic violence services and refuges have made it harder for many, and potentially impossible for some, to leave violent relationships.

While initial reports described the crisis as a ‘man-cession’, focusing on men’s jobs at risk, the burden of austerity has fallen largely on women. As elsewhere in Europe, women in the UK use more public services; they are the majority of welfare benefit recipients – and the majority of public-sector workers; they’re also more likely to make up for lost public services with unpaid care work.

Sisters Uncut protest in June 2016 outside parliament. Sisters Uncut protest in June 2016 outside parliament. Photo: Niku Gupta.Sisters Uncut’s ‘feministo’ list of demands begins: “To those in power, our message is this: your cuts are violent, your cuts are dangerous, and you think that you can get away with them because you have targeted people who you perceive as powerless. We are those people. We are Sisters Uncut. We will not be silenced.”

Since 2014, we’ve blossomed into a national movement. Our actions have taken many forms – and have left us feeling exhilarated, united in our resistance, powerful and dangerous. We blocked Westminster bridge in 2016, for instance, in a symbolic protest against cuts to domestic violence services. We also reclaimed an empty council flat in east London and turned it into a community centre.

Last year, we occupied Holloway women’s prison in north London to demand that it become a domestic violence service, rather than luxury flats. This February, we stormed the BAFTAs red carpet to call ‘Times Up’ on UK prime minister Theresa May for years of devastating austerity policies.  

While initial reports described the crisis as a ‘man-cession’, focusing on men’s jobs at risk, the burden of austerity has fallen largely on women.

Across Europe, women have challenged waves of austerity policies and cuts to public services. They’ve led protests, occupied buildings, organised for employment rights and formed new communities of resistance, support and solidarity.

Women protest an eviction in Rome, August 2017. Women protest an eviction in Rome, August 2017. (Photo: NurPhoto/SIPA USA/PA Images)In Montenegro, thousands of mothers demonstrated in February 2017 against cuts of 25% to financial assistance for women with three or more children. Dozens camped outside government offices overnight. The new policy, they said, would impact more than 21,000 women. They held placards reading “Gentlemen from the government, beware of the women — mothers” and “Our children are hungry.”

Women also camped outside government offices in Greece after hundreds of cleaners were dismissed from (newly outsourced) jobs in 2014, amid European Union austerity demands. The cleaners drew attention to their specific experiences as middle-aged women and adopted the symbol of a rubber glove with two fingers forming a V for ‘victory.’ They also travelled to Strasbourg to lobby members of the European Parliament. In 2015, the new Greek government reinstated their jobs.

Workers’ rights have also been won at SOAS and LSE universities in the UK through the ‘justice for cleaners’ campaigns, as the workforce (made-up of mostly migrant women), has demanded better wages, sick leave and to be employed in-house.

As part of 50.50’s series, journalist Claudia Torrisi will report from Rome where many families live in occupied buildings amid a ‘housing emergency’. In the Viale del Policlinico occupation, 140 people of different nationalities (including children, women and old people) live in constant fear of eviction.

From Spain, journalist Rocío Ros will profile the ‘Las Kellys’ movement of hotel cleaners who have mobilised for better working conditions and against the outsourcing of their jobs. Their recent campaign promotes hotels with fair employment practices (and shames those without them), calling on the popular travel website TripAdvisor to adopt the Las Kellys ‘seal of approval.’

Members of Las Kellys at an event in August 2017. Members of Las Kellys at an event in August 2017. (Photo: Diario de Madrid/Wikimedia Commons. CC BY 4.0).I asked Emejulu, at the University of Warwick, specifically about the experiences of women of colour living under, and mobilising against, austerity.

She said they “have been all but erased from the narrative about who has been hit hardest by the crisis and austerity, who is organising to reverse these counter-productive cuts and who should be the target of policy action to address the misery that has been created because of the rollback of the social welfare state.”

Why? “Firstly and most importantly, there is a relentless focus on local conditions in neighbourhoods”, she said, giving as examples the community organising of women of colour against “the closure of community centres, the increasingly dirty streets and parks, the struggle for affordable housing and the cuts to benefits.”

Meanwhile, Emejulu stresses, where women of colour “are routinely dismissed as alien Others,” their local organising and “creation of spaces of collective affirmation and solidarity is radical politics.”

Where women of colour “are routinely dismissed as alien Others,” their organising and “creation of spaces of collective affirmation and solidarity is radical politics.”

In London, the Latin American Women’s Rights Service (LAWRS) is one example of a community group that creates space for migrant women who feel increasingly isolated due to the government’s ‘hostile environment’ policies coupled with austerity.

LAWRS provides advice, information, counselling and advocacy services for Latin American women, and safe spaces to talk about their experiences and interests. “By organising around issues that matter to the women they regain the power that they feel they have lost to an abusive system,” coordinator Ornella Ospino told me.

Through LAWRS, Ospino says, women migrant workers in precarious jobs have followed Latin American ancestral practices of collective support, offering advice on unions, resisting immigration raids and assisting with job searches. Survivors of domestic violence have organised to advise each other on how to navigate services.

Anti-austerity protest in London, June 2015 amid the evictions of most residents from a Barnet housing estate. Anti-austerity protest in London, June 2015 amid the evictions of most residents from a Barnet housing estate. Photo: Alan Stanton/Flickr. (CC BY-SA 2.0). Also in London is Focus E15, formed in 2013 by 29 single mothers. After being served eviction notices and deemed ‘intentionally homeless’ for refusing to take accommodation offered in other cities, far from their communities, they occupied empty council flats. Developers eventually withdrew from planned sales.

The group continues to fight for better housing conditions for single mothers in east London. They organise an open-mic every week outside a local shopping centre where people can take the microphone and share their stories.

It’s important to support people “to have the confidence to directly challenge their circumstances,” said Saskia, one of the women involved in Focus E15.

“Their voice is very important, and they have a right to express anger about their situation and lead their struggle,” she said, adding: “We have become a solid family who share organising, thrash out differences, yet continue!”

“We have become a solid family who share organising, thrash out differences, yet continue!”

The community spaces we’ve created at Sisters Uncut are among the most radical actions we’ve taken. They expose (and respond to) the absence of community contact we all feel in this neoliberal austerity-stricken society.

As part of this collective, I feel I am part of a resistance to the government’s austerity agenda. It’s here that I’ve now formed some of my closest friends and networks – even both of my (biological) sisters organise with Sisters Uncut.

The pernicious austerity policies of the last decade were not passed unopposed. Overlooking the resistance of women has enabled a “tired narrative of equating economic crisis with right-wing populism” that Emejulu argues “doesn’t hold water.”

“If it did,” she asks, “what explains this flourishing of European Black feminist activism among those women who are in long-term economic crisis?”

Topics: 
Civil society
Equality
International politics
Rights: 
CC by NC 4.0

          Les «Uber pour chien» tombent sur un os      Cache   Translate Page      
Après les voitures, les appartements et la France, ce sont les chiens qui passent au régime start-up. Via les applis Wag et Rover on peut, à condition d'habiter aux États-Unis, trouver en trois clics sur son smartphone quelqu’un pour promener son chien à sa place. Un marché en or puisque, depuis 2017, les «millennials» sont ceux, dans la population qui possèdent le plus de chiens. ... Lire la suite

          Actress Nimra Khan Sings Her Favorite Childhood Song      Cache   Translate Page      

The 90s in Pakistan were ruled by two women in particular Nazia Hassan and Hadiqa Kiani. The 90s generation still hasn’t gotten over them and you’d often find the millennials still listening to playlists that include songs like Dum Dum Dee Dee, Disco Deewanay, Teri Meri Aesi Dosti, Man Di Moj and Buhay Bariyan. Nimra Khan being a millennial is no different, she recently took to her instagram and sang her favorite song from her school years. To add more to the vibe of the song she was also dressed in a typical kashmiri dress and here’s the video. Actress

The post Actress Nimra Khan Sings Her Favorite Childhood Song appeared first on Style.Pk.


          New Catholic group aims to form next generation of women leaders      Cache   Translate Page      

Washington D.C., Sep 12, 2018 / 03:00 pm (CNA).- The GIVEN Institute hopes to shape a new generation of Catholic leaders through a program of faith formation, mentoring, and leadership for young women.

The institute was launched on Sept. 12, as it announced a program focused on engaging and supporting young women in the work of evangelization, vocational discernment, and professional advancement.

The GIVEN Institute was founded in response to what it says are bleak statistics on female involvement with the Church. According to a 2018 study published by the Center for Applied Research in the Apostolate at Georgetown University, only about 17 percent of young Catholic women attend Mass each week, while only about one-third of those women say they pray every day.

"At a time where millennial women are disaffiliating from the Church in increasing numbers, it would be really important for the Church to turn its attention to shoring up the faithfulness of the women who do want to serve the Church, so that they can carry on the legacy of faithful women who have gone before them," GIVEN executive director Elise Italiano told CNA.

The first iteration of the GIVEN project was a 2016 conference called the GIVEN Catholic Young Women’s Leadership Forum.

That event was sponsored by the Council of Major Superiors of Women Religions (CMSWR) and gathered together 300 young women from across the United States who met and discussed how best to “receive the gift they are, recognize the gifts they have been given, and respond with the gift that only they can give.”

The new GIVEN Institute aims to continue that mission by confronting what it says are two major challenges facing young Catholic women today: disaffiliation from the faith and Church, and a lack of integration of their gifts in areas of Church ministry.

"GIVEN celebrates the Church's vision for women's dignity and flourishing," Italiano said, stressing that this will form the baseline from which the institute will develop its programming to form young leaders.

“The question that GIVEN wants to tackle is: given that vision--for women's dignity and call--where can we move forward? Where can we expand on that?” 

The institute’s work will be based around two related programs.

The Catholic Young Women’s Leadership Forum will be GIVEN’s centerpiece event, held every two to three years. There participants will focus on different tracks, including vocational discernment, post-missionary work, and secular professional careers. The forum will feature keynote speakers, spiritual accompaniment, and networking opportunities, in addition to track-specific workshops and speakers.

Additionally, the institute will also launch the “Art of Accompaniment Mentoring Program” for alumnae of the Leadership Forum. This program will begin at the Leadership Forum, where attendees will be paired with a mentor from their specific track.

After the Leadership Forum, GIVEN will release digital webinars to assist with ongoing formation and to “extend the exploration of topics covered at the forum.” The mentoring program aims to build a network of female leaders who will meet with forum attendees on a one-on-one basis and provide them with personalized accompaniment.

“It’s always the right time to help young people pursue a path to holiness,” said Italiano, “but it’s increasingly clear that the Church must better facilitate a more robust presence of skilled, faithful women in its ranks.”

“The Church is always strongest and most effective in its mission when men and women work together.”

The GIVEN Institute’s events program will commence in 2019, with the first Leadership Forum expected to be held in June.


          Blake Lively Is the Best Thing About the Silly Simple Favor      Cache   Translate Page      
Last year’s soapy smash Big Little Lies taught viewers that nothing is creepier than helicopter parents in tony school districts. A Simple Favor, a nutty millennial mystery directed by Paul Feig (Bridesmaids, Ghostbusters), adds a few more cracks to that perfect facade. Anna Kendrick plays mommy vlogger Stephanie Smothers, who’s far from poised in her…
          IT'S A START:      Cache   Translate Page      
Should Congress Enact Universal Savings Accounts? (Daniel Di Martino, SEPTEMBER 11, 2018, E21)

Republicans in Congress are aiming to revamp savings with the introduction of Universal Savings Accounts (USAs) for all Americans as part of the Family Savings Act of 2018. The bill would expand existing tax-free savings accounts such as 401(k)s, IRAs, and 529 College Savings Plans, and it would create USAs as a new type of account for all purposes with a $2,500 annual contribution limit. The chairman of the House of Representatives Ways and Means Committee expects to have the bill ready for a floor vote this month. [...]

Currently, Americans can take advantage of numerous tax-exempt savings accounts such as Individual Retirement Accounts (IRAs), 401(k)s, 529 college savings plans, and Health Savings Accounts. Each of these accounts has complicated rules governing how much individuals can contribute, and when and for which purposes they can withdraw their savings. For instance, while traditional IRAs have no income limits but require savers to withdraw their funds periodically starting at 70 ½ years old, Roth IRAs do have income limits but do not require withdrawals.

These restrictions create a barrier to saving. A survey by the Teachers Insurance and Annuity Association of America, a large financial service provider, found that the main reasons Millennials do not contribute to an IRA, beyond not having enough money to save, are that they do not know enough about them and that they are too complex. Moreover, a recent survey found that less than 30 percent of Americans know what a 529-college savings plan is, while less than 1 in 5 knows the basic restrictions associated with Health Savings Accounts.

Excessive complexity not only reduces savings particularly among young adults, as survey data confirm, but it also results in inefficiencies. Given that there are 15 types of tax advantaged retirement plans, and many other types of tax-advantaged accounts, savers change the timing of their consumption, and the amount and allocation of their savings to minimize their tax bill. Studies have shown that the complex taxation of savings not only reduces economic growth, but it also increases tax evasion and hinders tax enforcement.

Excessive complexity not only reduces savings, it also results in inefficiencies.

By contrast, USA account holders would not be hamstrung by complex rules. Universal Savings Accounts would simplify the system since they would allow individuals to withdraw their savings at any point in time and for any reason. Simplicity may increase savings among young adults, helping them benefit from the glories of compound interest early in their lives.

Now remove the contribution limit.

          What you need to know on Wall Street today      Cache   Translate Page      

Welcome to Finance Insider, Business Insider's summary of the top stories of the past 24 hours. Sign up here to get the best of Business Insider delivered direct to your inbox.

Jamie Dimon backtracks after claiming he 'could beat Trump' in an election

JPMorgan Chase CEO Jamie Dimon reversed course after taking aim at President Donald Trump during a JPMorgan event on Wednesday.

"I think I could beat Trump," Dimon said.

"Because I'm as tough as he is, I'm smarter than he is," he continued. "I would be fine. He could punch me all he wants, it wouldn't work with me. I'd fight right back."

But Dimon, a lifelong Democrat, also added that he could not win an election due to the "liberal side" of the Democratic Party.

Upstart exchange IEX snags its first listing from Nasdaq

IEX, the startup stock exchange made famous in Michael Lewis' book "Flash Boys," has snagged a listing from one of its larger rivals.

The New York firm, which gained stock-exchange approval in 2016, announced Wednesday that electronic brokerage Interactive Brokers will switch its listing venue from Nasdaq to IEX in October.

IEX, which was founded by Brad Katsuyama in 2012, is known for its speed-bump stock-trading model that aims to put the world's fastest trading firms on a level playing field with investors.

The cryptocurrency Ethereum crashed by over 8% on Wednesday, extending a slump for the asset and the wider market.

Ethereum was down 8.6% to $169.12 just after 9:30 a.m. GMT (4:30 a.m. ET), a level not seen since May 2017, when Ethereum was enjoying its first price surge of the year.

The cryptocurrency is down almost 30% over the past seven days and has mirrored a wider slump in the cryptocurrency market over the past two weeks.

This year's average Goldman Sachs intern is willing to pay $6 for avocado toast and admires Obama

Former US President Barack Obama is the most admired figure among this year's global class of Goldman Sachs interns.

Each year, the investment bank surveys its summer interns on topics as varied as their ambitions and their spending habits. Seventy-six percent of the 3,162 summer analysts and associates who interned at Goldman worldwide this summer responded to the questionnaire. Goldman published the results on Wednesday.

One of the more frivolous results indicated that the interns were willing to pay $6 on average for avocado toast, the popular millennial brunch dish.

Obama was the most popular choice as a role model, followed by Sheryl Sandberg, Nelson Mandela, and Steve Jobs.

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NOW WATCH: An aerospace company reintroduced its precision helicopter with two crossing motors


          Smartphone generation big growth opportunity for us: Canon      Cache   Translate Page      

Tokyo: More and more people, especially the millennials, are clicking photos via smartphones and for the Japanese camera giant Canon, this has created a huge market to tap as these people now want to experience something bigger and better which the camera and imaging pioneer can easily provide.

In 2017, nearly 1.3 trillion photos were taken globally -- from 660 billion in 2013 -- and most of the images were taken via smartphones.

"Today, more and more people are buying high-end cameras to rev up their smartphone experience. There will soon be more digital natives in the 10-50 age bracket than ever before.

"Our aim is to acquire the new generation in order to create new businesses and enhance our EOS camera ecosystem," emphasised Go Tokura, Executive Officer and Chief Executive, Image Communication Business Operations at Canon.

Addressing a select gathering at the Canon headquarters here, Tokura said the company is aiming to build a brand new imaging world where high-end smartphones are deciding the future of camera experience.

In India, over 400 million people are smartphone users and more than 700 million people have feature phones who will eventually shift to smartphones for a better experience.

"Although the compact and entry-level camera market is shrinking owing to smartphones, professional and premium camera market is actually growing and our EOS series has been a phenomenal success," Tokura told the audience.

According to the Japan-based Camera Imaging Products Association (CIPA), the shipment number of digital cameras dropped a massive 23 per cent in July this year compared to the same period last year.

On the other hand, the professional camera market is growing.

"We have sold 90 million EOS cameras and 130 million EF lens so far. We have been building EOS cameras for the past 30 years and today, we have achieved high speed, ease of use and high-image quality for end users," informed the Canon executive.

Entering the high-end full-frame mirrorless camera market, Canon on September 5 launched the EOS R -- along with four RF lenses and four types of mount adapters -- that ensures higher image quality and enhanced usability.

The EOS R, which will be launched in India on September 21, employs the newly-developed RF Mount. A large (54 mm) mount internal diameter and short back focus allows for an enhanced communication between the lens and camera body.

The Canon EOS R has a 30.3MP Full-frame CMOS sensor and an ISO range of 100 to 40,000 (expandable up to 50-102,400).

"This is a low-light marvel. The Dual Pixel CMOS AF ensures high operability and precision. The camera is built for an advanced video/movie recording in 4K UHD," said Yoshiyuki Mizoguchi, Group Executive, ICB Products Group, Imaging Communications Business Operations, Canon.

According to a company survey, in 2017 unit sales of interchangeable-lens cameras in the global camera market reached approximately 11,400,000 units. In 2018, the sales are expected to again reach approximately 11,000,000 units.

"For the young millennials, we have launched three concept models this year: MF telephoto camera, intelligent company camera and an outdoor activity camera.

"Then there are wearable cameras, AWS DeepLens (a deep learning enabled video camera), Google Clips, Galaxy Gear 360 and camera-equipped drones where we are present. Canon has already taken a giant leap for the future," Tokura noted.

(Nishant Arora is in Tokyo at the invitation of Canon Inc. He can be contacted at nishant.a@ians.in)


           Comment on What You Should Know About Jordan Peterson … by Catherine B.       Cache   Translate Page      
I am one of these millennials who is drown to Jordan Peterson's lectures. A few years ago before I've become aware that a political crisis was about to hit us with great force, I have experienced a crisis of my own. I crashed from the wear and tear of believing that my identity was put together just because of my autism diagnosis--this was when I realized that I was actually far away from Christ. This was the most traumatic experience I have ever had. It was hard to have that need to let go of a label, but the symptoms that come with it were always real, and they made it hard for me to communicate what was going on with me. A little while later I began to write short stories to figure out how to put my thoughts into words, and it's been working. I became drawn to Jordan Peterson about a year after the election in the United States, and his lectures has been helping me to access my own confusion, and to communicate it so that I, and others can get a better picture about what's going on. Jordan Peterson appears to adopt the same attitude towards himself, and other individuals that I have been trying to do: I am trying to not take myself or others too seriously, or not seriously enough. He seems to appeal to the part of me that needs a type of connection that can conquer pride and resentment. There definitely seems to be something going on. I am trying to see him the same way that he sees other people, but sometimes I worry about the possibility that I'm taking his words too seriously. Jordan Peterson himself probably doesn't want me to take his words too seriously either. I'm afraid that I might not be critical enough. Although I don't recall Jordan Peterson professing to be a Christian, this blog post is very clear well written, and it reminded me that I have to be careful.
          How The Skimm founders are inspiring Millennials to get out and vote       Cache   Translate Page      
When Danielle Weisberg and Carly Zakin first launched their daily email newsletter, The Skimm, they wanted to help Millennial readers stay on top of current events. But they soon sought to do much more.
          Hamilton courts investors      Cache   Translate Page      

Hamilton, Halton, Niagara and area news from CHCH - Hamilton, Halton, and Niagara news..

More and more millennials are moving into Hamilton’s growing urban...
Read more

The post Hamilton courts investors appeared first on CHCH.


          Millennials and ‘Gen Z’ now largest diamond consumers says De Beers      Cache   Translate Page      
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          How The Skimm founders are inspiring Millennials to get out and vote       Cache   Translate Page      
Skimm co-founders Danielle Weisberg and Carly Zakin explain to CNN's Boss Files why they set out to use their daily newsletter, with more than six million subscribers, as a way to get young voters to the polls.
          The $10 Solution to My Messy Living Room Problem      Cache   Translate Page      
The surest sign you've entered a millennial apartment isn't the fiddle leaf fig or the Edison light bulbs (although those make great options on the Millennial Apartment bingo board ), it's the phone c ... - Source: www.apartmenttherapy.com
          Instagram Playgrounds      Cache   Translate Page      

blackwhitereadalloverblog posted a photo:

Instagram Playgrounds

With the promise of more ‘likes’ and ‘followers,’ Millennials are flocking to a whole new type of art museum. “Instagram Playgrounds ” are now popping up in major cities like Los Angeles, New York and Shanghai and are a big draw for those who are in search of that perfect selfie.


          Millennials Life Insurance Understanding is More Than You Think      Cache   Translate Page      

Millennials are much more concerned about how they would pay their bills if the primary wage-earner were to die, than consumers between 35-49. Women were ...

The post Millennials Life Insurance Understanding is More Than You Think appeared first on CardTrak.com.


          ‘Millennial Shit’: é com rock que o GrETUA recebe os estudantes da Universidade de Aveiro      Cache   Translate Page      
O fim da “silly sesson” é reconhecido através de certo tipo de acontecimentos. É a chamada “rentrée”, independentemente da pronúncia que conferimos ao vocábulo. O recomeço de um quotidiano que, quer estudes ou trabalhes, marca a tua a vida a partir de inícios de Setembro apesar das folgas ali pelo Natal e demais festividades. Se […]
          Comment on 5 Tips for Attracting Top Millennial Talent by Achievers      Cache   Translate Page      
Thanks Beth for reading and sharing your comment! Great share and insights. Check out more articles by the author, Jessica Thiefels, here: https://www.achievers.com/blog/author/jessica-thiefels/
          Comment on 5 Tips for Attracting Top Millennial Talent by Beth      Cache   Translate Page      
So true! I just saw on LinkedIn's trending page that employees are quitting jobs now more than ever. I think it has to do with the "job-hopping millennials", which really has to do with worse-than-expected employee experiences. The next generation (and this applies to every generation coming in the future) is going to have different expectations. It's really a global, flexible generation now. More on that here: https://recruit.ee/bl-sourcing-candidates-eb-bh
          Top Millennial Neighborhoods in Ohio Include Downtown & Near East Side      Cache   Translate Page      
The largest generation in the United States — the Millennial cohort, currently aged between 22 and 37 — are moving into urban neighborhoods in large numbers, according to a new report compiled by RentCafe.com. Data was gathered on population trends in major cities across the US between 2011 and 2016, to find which zip codes […]
          Taylor Swift announces 'Reputation Tour' special guests      Cache   Translate Page      

Few weeks before the much-awaited Australia and New Zealand leg of the 'Reputation Tour', special guests to join Taylor Swift on stage have been finally announced. Supporting her on all Australian and New Zealand dates will be homegrown indie-pop duo, Broods plus internationally acclaimed pop trailblazer, Charli XCX.

Broods—comprised of siblings Georgia and Caleb Nott—released their latest single 'Peach' in August. It is the first track to be lifted from their third album which is expected in early 2019. They had their breakthrough with the 2014 platinum single 'Bridges', from their full-length debut 'Evergreen'. The album reached no. 1 on the RIANZ charts and also spawned the platinum hit 'Mother & Father' and gold certified singles 'Four Walls' and 'Never Gonna Change'. In 2015, 'Evergreen' won Best Album and Best Pop Album at the VNZMAs, while Broods also claimed the Best Group and Radio Airplay Record of the Year award.

The duo released their follow-up sophomore RIANZ no. 1 charting record 'Conscious' in June 2016. The album featured another platinum single 'Free' as well as the gold certified hit 'Heartlines'. In 2016, Broods swept the VNZMAs, claiming Album of the Year, Best Group, Best Pop Album, People's Choice, and Single of the Year awards.

Opening the Auckland show will be 26-year-old Brit Charli XCX whose rise to global pop stardom has been meteoric. Regarded by The NY Times as a "pop royal", the Grammy nominated multi-platinum selling singer, songwriter and artist is currently supporting Taylor on her U.S. stadium dates.

Charli has framed a career as one of the most respected and in demand songwriters in pop today. She is the force behind the platinum hit 'Boom Clap', gold single 'Break The Rules' and 'After The Afterparty'. She has also collaborated on massive millennial hits such as Icona Pop's 'I Love It', Iggy Azalea's 'Fancy' and David Guetta's 'Dirty Sexy Money'. Charli's current trap-infused track '5 In The Morning' entered playlists across the world and exceeded six million streams in just a few weeks from release.

Final tickets for the Auckland show are on sale now.

For complete tour, ticketing and VIP Experiences information, visit Live Nation NZ.




          How Retailers Are Driving Sales By Catering To Millennial Parents      Cache   Translate Page      
Considering the immense purchasing power of this now parenting demographic, brands from Target and Bloomingdales to Dove and Pampers are augmenting their business by incorporating the specific values and needs of millennials into their brand offerings
          At Katz's, this millennial owner honors tradition and embraces change      Cache   Translate Page      
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          September 2018 COTM DINING IN: Fish and Meat      Cache   Translate Page      
Yes, I think he is. I don't think millennials themselves are the problem--I think it's the ridiculous things non-millennials are scrambling to do to pander to millennials. Let's have a breezy, online food newsletter with sass and snark and cute made up words! That will draw them in! I think all of those things are great when done well and in the proper context, but not everyone can do it well. ~TDQ
          Samsung inaugura o maior centro de experiências móveis do mundo na Índia      Cache   Translate Page      

A Samsung acaba de anunciar a abertura do maior centro de experiência móveis do mundo, localizado em Bengaluru, na Índia. Batizado de Samsung Opera House, o local promete oferecer experiências únicas de tecnologia, estilo de vida e inovação aos seus visitantes. O centro vai trabalhar com base na filosofia da companhia de "descobrir hoje o mundo de amanhã", apresentando tecnologias em constante desenvolvimento como realidade virtual, inteligência artificial e internet das coisas.

Os visitantes poderão testar experiências em realidade virtual, como a cadeira 4D Sway ou ainda a Whiplash Pulsar 4D, que fazem movimentos em 360 graus e em 3D.

HC Hong, presidente e CEO da Samsung do sudoeste da Ásia, conta que os consumidores, em especial os millennials, estão em busca de experiências únicas com as marcas. "É disso que se trata o Samsung Opera House. Temos uma curadoria nunca antes vista de experiências que vão empolgar pessoas de todas as idades", revela o executivo.

A Opera House também vai organizar workshops, atividades e eventos para os visitantes, com o objetivo de se tornar um centro de inovações, estilo de vida, entretenimento e cultura de Bengaluru, que é a capital tecnológica do país. Deverão ser organizados eventos fitness, de fotografia, jogos, música, filmes, comidas, comédias de stand-up e muito mais.

O local será palco para a apresentação da linha completa de smartphones e outros produtos eletrônicos da Samsung. Na área de eletrodomésticos, um chef de cozinha vai fazer pratos ao vivo mostrando os fornos inteligentes da fabricante.

No Opera House, o consumidor poderá ainda personalizar suas compras, como aplicar proteção militar nas telas dos aparelhos ou ainda pedir para fazer uma gravação a laser de qualquer produto.

Em julho deste ano, a Samsung também abriu na Índia a maior fábrica de smartphones do mundo, na cidade de Noida.


          Los colores de este otoño y sus 26 combinaciones cromáticas       Cache   Translate Page      

Los colores de este otoño y sus 26 combinaciones cromáticas #source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

En pocos días arranca la temporada Otoño-Invierno 2018/2019, ¿Cuáles son los colores de moda? La gama de los tejas y los marrones viene arrasando, tonalidades que se pueden combinan entre ellas y también con colores más llamativos si queremos jugar a los contrastes. Los street-style nos lo demuestran. Apunta estas 26 combinaciones cromáticas de éxito para ser la más fashion de la temporada de frío. Hazte una experta combinando colores.

Rosa millennial + teja

Street Style Invierno 20182019 2

El rosa cuarzo ha desembocado en el rosa millennial (o Tumblr pink), uno de los colores que está arrasando y al que es difícil resistirse. Ñoño, coqueto y fácil de combinar con varias tonalidades, entre ellas el teja, otro de los tonos de la temporada.

Amarillo + verde

Street Style Invierno 20182019 22

Uno de los protagonistas en las propuestas del Pantone Color Institute es el amarillo en todas sus versiones, un elección que la amas o la odias. Si optas por lo primero, lo mejor de todo es que no es tan difícil de lucir. Queda ideal con el verde botella para crear un contraste tan llamativo como estiloso.

Toffee + morado

Azul Klein Y Toffe

El Ultra Violet es el color del año, la perfecta alternativa al negro, que puedes combinar con multitud de colores y lucir durante 24 horas. Para el día, el toffee es una de las apuestas con las que encaja a la perfección, lejos de los habituales blanco y negro.

Naranja + granate

Streetstyle

Hay un color que llevan todas las fashionistas y ese es el naranja en sus diferentes tonalidades. El naranja butano va a ser uno de los más vistos. Combinado con el granate resulta una mezcla muy otoñal, a juego con las hojas de los árboles, y perfecta para no caer en los colores clásicos oscuros.

Amarillo pastel + marrón

Milano Str F18 026

Un color romántico como el amarillo pastel casa de forma fantástica con un tono oscuro e invernal como el marrón chocolate. Un contraste muy sofisticado para lucir tonos estivales también en la temporada más fría del año.

Verde manzana + azul turquesa

Street Style Invierno 20182019 1

Una misma gama de tonalidades puede ser resultona. Esta combinación de colores fríos logra un look armónico y una apariencia fresca y juvenil.

Gris + rojo

Street Style Invierno 20182019 6

El rojo es otro de los colores de este otoño y el cálido más pasional. Uno de sus mejores aliados es el gris, ya que este último se caracteriza por su aspecto triste y frío. Luciéndolo con el rojo levanta el outfit y lo convierte en un street-style casi primaveral.

Marrón + mostaza

Street Style Invierno 20182019 15

El color mostaza, entre el amarillo y el marrón caramelo, es otra de las grandes apuestas de la temporada. Una elección perfecta que combinada con el marrón se consigue un estilismo de colores otoñales perfecto. El mostaza no es tan apagado como el marrón y la mezcla queda así de bien.

Rosa empolvado + lila

Street Style Invierno 20182019 11

La mezcla de dos colores románticos es perfecta. El lila y el rosa empolvado son dos tonos dulces y cálidos, coquetos y aniñados, cuya combinación da como resultado un street-style lleno de delicadeza.

Azul klein + amarillo

Street Style Invierno 20182019 7

Si te atreves con estilismos llamativos y atrevidos, apuesta por el favorecedor azul klein mezclado con el amarillo. El primero sienta bien a todos. El segundo, bautizado como Gen-Z Yellow, si sabes llevarlo es garantizar un look diez. La mezcla es infalible.

Morado + lila

Street Style Invierno 20182019 13

El color del año según Pantone este 2018 es el Ultra Violet, así que este tono nos invade. Si te gusta jugar con diferentes intensidades de un mismo tono, queda ideal la combinación del púrpura intenso con el violeta más suave.

Coral neón + negro

Street Style Invierno 20182019 14

Los colores neón son tendencia. Las más atrevidas lucen prendas de llamativos colores, cuya mejor combinación es con el clásico negro para restar que el look sea excesivamente llamativo y así no caiga en el mal gusto.

Azul pastel + lila

Street Style Invierno 20182019 17

La mezcla del azul pastel y el lila es romántica, coqueta y delicada. Un contraste muy armónico y de tonos poco saturados cuyo resultado es el de outfits impecables.

Rojo + granate

Streetstye 2018

El granate es clave en nuestro armario y uno de los más repetidos del street style, combinado con el rojo, uno de los tonos de la temporada, da como resultado un juego de colores de una misma gama que queda así de fantástica.

Lila + mostaza claro

Street Style Invierno 20182019 18

Dos tonos de tendencia cuya versión más clara se complementa a la perfección. Si quieres ir ir a la última pero con tonos más discretos, opta por esta mezcla de moda y huye de lo oscuro.

Verde esmeralda + fucsia

Street Style Invierno 2018 26

El verde y el fucsia también son dos grandes amigos. Dos colores potentes que a modo de color block que quedan perfectos para outfits de día y subir el ánimo.

Rojo + rosa

Rojo Y Rosa

El rojo y el rosa son los perfectos aliados del color block. Una mezcla estilosa y sofisticada por la que muchos diseñadores apuestan en sus colecciones, perfecta para lucirla con estilismos de noche como perfecta alternativa al clásico negro.

Azul cielo + granate

Azul Cielo Y Granate

El azul cielo se ha ido ganando una posición importante en los street-style. Combinado con granate, un básico de nuestro armario, encajan a la perfección logrando looks más que ideales.

Azul marino + verde manzana

Copenhagen Str F18 034

El azul marino es el nuevo negro así que su elección es perfecta para combinar con prácticamente todos los colores, y con el verde manzana es perfecto. Un color oscuro y uno más claro y alegro forman un contraste de diez.

Crema + verde manzana

London Str F18 120

El verde manzana es un tono llamativo a pesar de su variante más clara. Si quieres restarle importancia en tu estilismo, combínalo con el discreto y clásico crema, una alternativa del blanco muy acertada.

Azul bebé + azul marino

London Str F18 389

Un tono claro y uno oscuro de una misma gama es un acierto seguro. El marino y el azul cielo son dos aliados fantásticos, tan elegantes como femeninos.

Magenta + lila

Milano Str F18 011b

Otra combinación color block es la mezcla del magenta y el lila. Alegre, llamativa y perfecta para huir de los oscuros colores propios del invierno, eso sí, sólo apta para las más atrevidas.

Blanco + negro

Street Style Invierno 20182019 12

El blanco y el negro es la combinación más clásica y elegante de todas y con la que nunca puedes fallar en un estilismo de día o de noche. Es la pareja perfecta de por vida.

Fucsia + blanco

Street Style Invierno 20182019 25

El blanco es universal, así que combina con todos los colores, pero con el fucsia es una elección femenina y sofisticada, muy acertada para alejarse de las combinaciones más clásicas.

Nude + Amarillo

Milano Str F18 057

Tan apagado y en ocasiones triste resulta el nude, que necesita un color llamativo a su lado. El amarillo es una opción fantástica para levantar y alegra cualquier look.

Azul cielo + lila

Milano Str F18 028

Dos colores fríos de moda como el azul cielo y el lila, tan bonitos y románticos, son dos grandes aliados y logran estupendos estilismos otoñales.

En Trendencias | Los siete colores que serán tendencia este otoño-invierno 2018/2019, llega el otoño más colorido


          Pretty in Peach      Cache   Translate Page      
Move over millennial pink, peach is having a major moment in design. Here are a few ways to bring this delicious hue into your home.
          Why Diamonds Have Lost Their Sparkle For Millennials      Cache   Translate Page      

Community blog post Spending £5,000 on a piece of jewellery is a concept almost unimaginable to your average Millennial, but if you go back just two decades it was quite common for that amount to be spent on a beautiful piece which would be regarded as an investment. Today you are likely to find fewer Millennials investing in jewellery. Insure4Retirement, […]

The post Why Diamonds Have Lost Their Sparkle For Millennials appeared first on Bloggers Required.


          Millennials, Roe v Wade and demographics      Cache   Translate Page      
Will more restrictions on abortions lead to a greater fertility rate?
          Gerente de Vendas - Talent Brand - São Paulo, SP      Cache   Translate Page      
O time, por ser jovem, requer controle e maturidade para liderar, já que conta com muitos talentos (millennials) e para ganhar respeito você terá que demonstrar...
De Talent Brand - Tue, 28 Aug 2018 14:18:50 GMT - Visualizar todas as empregos: São Paulo, SP
          Susan Sarandon Says Some More Despicable Sh1t      Cache   Translate Page      
Susan Sarandon was a complete asshole during the 2016 election — one of Bernie Sanders' most obnoxious surrogates, who splained at Dolores Huerta, asserted that Hillary Clinton was "more dangerous" than Donald Trump, said that a Trump presidency was "more likely" to usher in positive change than a Clinton presidency, and then voted for Jill Stein.

She has continued to disgorge stupid trash along the same vein post-election, in some contemptible bid to justify the stupid trash she said two years ago. For instance: "I did think she was very, very dangerous. ...We would be at war [if she was president]."

And here we go again:

Transcript:

Male Interviewer, offscreen, at the Toronto International Film Festival: —give our current president a grade, what grade would you give him at this point?

Sarandon: Oh my god, I would tell him just start all over again. I mean, I don't think we can grade him. I think what he's done that is the most significant is that, by no — unintentionally, he has energized, um, you know, by making it so clear, the way governme— I mean, in all fairness to Trump, this stuff was all laid in place over the last 12 years. I mean, this didn't just suddenly happen.

Democrats were losing thousands and thousands of seats, then all these things were put in place, and refu— People were being deported, and there was many, many wars, and all of that was happening, but he is so bumbling, and he is so — he's like a character out of a cartoon or something — that you can't not be aware of what's going on now.

And — and Bernie Sanders proved that you could run without taking dark money, without taking PAC money, and so you're seeing an enormous amount of people that are using that and are running and winning. And so many women in primaries, and now we've got, you know, more, uh, elections coming up, and those people — you never saw that population running. So many women, I think like forty percent more women, are running for office and becoming elected.

We're on the verge of having the governors of Florida, Georgia, and Maryland be people of color, and one woman of co— Now that, you know, this is a revolution. It may not seem like one. So things have gotten— What is it? The Leonard Cohen quote? You know, the cracks are where the light comes through? So maybe things had to get so bad before real change actually could happen.

So, uh, we just have to stay awake, and also the kids are on fire. I never heard millennials or kids in high school saying, "I can't wait to vote." That's huge. And they're really doing a good job of, uh, of signing up kids. And that's what's gonna make the change. I say: Take me down, you know? [laughs] Take over. Get rid of all these old people and get that young blood in there. And they're gonna make the difference. I'm very hopeful because of them.
Where do I even begin with this horseshit?

First, the answer to the question should have been "F. He gets a failing grade, because he is a vile human being whose chief governing principle is malice." This isn't hard — or it shouldn't be. And isn't, for any decent person who doesn't have an agenda in which they want to retroactively justify their ludicrous comments about Hillary Clinton being more dangerous than Donald Trump by giving Trump credit for inadvertently inspiring a revolution.

Second, to talk about what's happening right now as a "revolution," and further to imply that it will yield good things for marginalized people (that they definitely want even if they are too stupid to know it), is just breathtaking privilege, for reasons I have previously explained.

Third, Sarandon literally just has no idea what the fuck she is talking about: "I mean, in all fairness to Trump, this stuff was all laid in place over the last 12 years. I mean, this didn't just suddenly happen." To say that the groundwork has been laid for Trump over the last 12 years is ahistorical nonsense. Try decades. Of course, a historically accurate picture of what got us here — and how long it took — undercuts Sarandon's execrable implication that the Democrats were complicit, as well as her evident belief that we can turn around decades of traitorous scheming by winning a few House seats.

Fourth, crediting Bernie Sanders (and Donald Trump) for the burst of female candidates running for elected office, and failing to even utter the name Hillary Clinton, despite her history-making run as the first ever major-party female nominee in the nation's history, is just some full-tilt misogynist filth. I'm sure there are women running for office who were inspired by Sanders. I'm sure there are women running for office who were moved by the prospect of holding Trump accountable. And I'm damn well sure that there are women running for office who would credit Hillary Clinton with inspiring them, with motivating them, with blazing a trail for them, with giving them the courage to take their first steps into the fray.

Fifth, I will never not ragescream when I hear people say crap like this: "So maybe things had to get so bad before real change actually could happen." Things were pretty goddamn bad for a lot of people already, Susan! FOR FUCK'S SAKE. I don't even understand how a person says something like this. I guess we just needed a president who put babies in cages before we could get off our asses and pay minimal attention and start spouting a bunch of half-baked dross about a political system we haven't even put in any real effort to understand. SHRUG EMOJI.

Sixth, she's never heard teenagers say they can't wait to vote? Oh. Well, there are a lot of nerds in the world who said that, like me. The fact that she thinks because she's never heard it, it's never happened, is a pretty good indication of why her thinking about a lot of stuff is total rubbish.

Seventh, SHUT THE FUCK UP.

Sarandon isn't just saying ill-informed stuff with which I disagree (although that, too). She's saying stuff that is dangerous, because it's dishonest in a way that serves a privileged agenda which is just as selectively dismissive of expertise and knowledge, just as disdainful of recognizing the individual needs of distinct populations, and just as hostile toward the essential tenets of a pluralistic democracy as the conservative movement consolidating its power behind Donald Trump.

That's why Sarandon can't bring herself to truly criticize him. She sees something familiar in him, and something in him she admires.

Which brings us to why it's necessary to push back against this stuff: Sarandon and her compatriots aren't staging a revolution; they're staging a change in management.
          Distrust, grit, relief, shock. What kids of the Great Recession think about money today      Cache   Translate Page      
From student debt to mistrust in financial institutions, millennials felt the crash as much as adults. 
          Julia Salazar, the controversial 27-year-old democratic socialist running for New York State Senate, faces her big test in the New York primary      Cache   Translate Page      

New York State Senate candidate Julia Salazar

  • Julia Salazar, a 27-year-old New York State Senate candidate, is facing a barrage of criticism and media attention amid reports that she misrepresented aspects of her background. 
  • While some progressives believe questions around Salazar's credibility make her an unsuitable candidate, many, including other progressive New York candidates, are standing by her. 
  • New Yorkers will decide on Thursday whether Salazar will replace a longtime incumbent Democrat in their Brooklyn district. 

When Julia Salazar, a 27-year-old progressive activist, was convinced to run for New York State Senate early this year by fellow members of the Democratic Socialists of America, there was no evidence that a young political novice on the far left could upend the party's political order and oust a longtime Democratic incumbent. 

But on June 26, when fellow DSA member Alexandria Ocasio-Cortez stunned the nation by beating 10-term incumbent Rep. Joe Crowley in the Democratic US congressional primary, the landscape shifted. 

As national media scrambled to cover a story they largely missed, Salazar — who bears striking similarities to Ocasio-Cortez — found herself in the spotlight. Two months of glowing stories followed. Reporters painted Salazar as the next young Latina to inspire millennials and traditionally marginalized voters to forge a new path in Democratic politics from her Brooklyn district. 

But the outsize media attention began to hurt her in late August. The Jewish online magazine Tablet took a deep look into Salazar's transformation from a conservative, anti-choice, evangelical Christian activist to a pro-Palestine progressive, who converted to Judaism while an undergrad at Columbia University. (The Tablet reporter who wrote the story, Armin Rosen, was previously a reporter at Business Insider.)

The story was panned by Salazar's supporters, and even some critics, as an unfair attack on her religious and ethnic identity. Salazar told Vox she was "deeply hurt on a personal level" by the excavation of intimate details of her personal, political, and religious evolution. 

But a week later, City and State New York published another story in which Salazar's brother and mother disputed a host of claims Salazar made about her personal background, including that she is a Colombian immigrant (she was born in Miami), and that she was raised working class.

Salazar's backstory grew stranger last week, when reports emerged that she was arrested in 2011 on identity theft and other criminal charges as part of a dispute with the ex-wife of former New York Mets player Keith Hernandez. 

Salazar claims she was "defamed and victimized" by Hernandez's then-estranged wife, Kai, when she fraudulently attempted to break into her own bank account while impersonating Salazar and falsely accused the then-19-year-old college student of having an affair with her husband. Salazar sued Kai for defamation in Palm Beach County in 2013, which, years later, resulted in a $20,000 settlement for Salazar. 

"The more parsimonious explanation is that there's something about her," said a former friend of Salazar's, who wished to remain anonymous to avoid online harassment from Salazar's supporters.

The friend added: "She's sort of been asking her supporters not to believe what their ears are hearing and not to believe what their eyes are seeing."

Salazar has acknowledged that her campaign was somewhat caught off-guard by the intense media scrutiny, and that she and her small staff "weren't on the same page" about some aspects of her background. 

"The people who have been involved in supporting her and running her campaign — none of us were prepared for the amount of attention that her race would get," a DSA member who has organized with Salazar since 2016, and wished to remain anonymous to protect his relationship with the candidate, told Business Insider. 

Sexual assault allegations 

The media storm surrounding Salazar grew on Tuesday — just two days before Thursday's primary election — when The Daily Caller, a conservative website, reported that she had accused a spokesman for Israeli Prime Minister Benjamin Netanyahu, David Keyes, of sexually assaulting her in his Manhattan apartment in a November 2013 Facebook post that she later deleted. 

Salazar objected to the publication of her allegations, which appear to have been first reported in a Times of Israel editorial in the spring of 2016 — the basis of The Daily Caller report. 

"There's a reason women don't often come forward after a traumatic experience — because of the triggering and vicious responses that follow," the candidate wrote in a statement shortly before the publication of the article. "I strongly believe sexual assault survivors should not be outed in this way, and am saddened by the effect this story may have on other women."

Later on Tuesday, Wall Street Journal reporter Shayndi Raice tweeted that she also once had a "terrible encounter" with Keyes.

"The man had absolutely no conception of the word 'no,'" she wrote. "I was able to extricate myself quickly and it was a very brief and uncomfortable moment but I knew as I walked away I had encountered a predator."

Keyes denied Salazar's allegations on Tuesday, using the controversies surrounding her background to boost his defense, telling Haaretz"This false accusation is made by someone who has proven to be repeatedly dishonest about her own life."

Julia Salazar speaks next to Democratic candidate for governor Cynthia Nixon in Brooklyn.

An authentic progressive 

Despite questions about Salazar's character, her supporters maintain that that she's a devoted champion of progressive change. 

Salazar is challenging state Sen. Martin Malavè Dilan, a well-funded 16-year Democratic incumbent, and is running on a deeply progressive platform that includes Medicare-for-All, tuition-free public college, abolishing the Immigration and Customs Enforcement agency, and establishing universal rent control. 

Salazar's allies cite years of work as an organizer and political activist as evidence of her authenticity. 

"Just the fact that she has been present when we've needed people to show up — that just means the world to me," the DSA organizer said. "There's no lying about that … you can't fake that."

Dilan has taken hundreds of thousands of dollars in donations from Wall Street and the real estate industry — a point Salazar has used to draw contrasts with her campaign, which banned corporate PAC money.

The DSA organizer said Salazar's win won't be a referendum on her personal story, but a testament to the work of grassroots organizers and others who powered her campaign.

"I do not have any doubts that a state senate with Julia in it would be better than one without," he said. 

'Muddying the waters'

Salazar is one of a broad slate of progressive insurgents — many of them women and people of color — aiming to upend New York State's political order this year. On Thursday, voters will decide her political future along with that of Cynthia Nixon — the former actress challenging Gov. Andrew Cuomo, and a slew of other candidates, including for state Senate, looking to oust incumbent Democrats. 

Salazar has campaigned with and been endorsed by Nixon, attorney general candidate Zephyr Teachout, Ocasio-Cortez, and others, who've branded themselves as a movement. They have all stood by Salazar over the past few weeks. 

But some say the cloud of bizarre allegations and misrepresentations dogging Salazar's campaign is unhealthy for the larger progressive movement. 

"I'm rooting for a progressive future in politics — young, articulate progressives changing the conversation," the former friend of Salazar's said. "I think this is such a bad precedent, partly because it's embarrassing and the right-wing media's having a field day with it, but also because it's turning people into the populist mob that they claim to detest on the other side ... truth and integrity and common sense are going completely out the window for partisans of this movement."

Some say that if New York progressives, including candidates and elected officials, don't distance themselves from Salazar, they'll risk their reputations and that of the groups they belong to. 

Ocasio-Cortez "defending someone who seems to have real credibility problems, if not outright lies, is a very dangerous thing — it muddies those waters and smears the narrative," Harry Siegel, a columnist for the New York Daily News and Daily Beast editor, told WNYC.

He added: "You do have this binary choice, if you want this venal Democratic hack or if you want an exciting young candidate, I just have questions about this exciting young candidate's credibility." 

SEE ALSO: How Trump and Alexandria Ocasio-Cortez energized a group of women looking to reshape New York politics

Join the conversation about this story »

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          5 Best Happening Destinations for Singles      Cache   Translate Page      

Doesn’t matter if you are a single millennial who is looking for a venture of exotic travelling or a never-ending nightlife or even if you are just interested in a solo journey, it is always good to do a research beforehand. Some destinations are known to be more happening for singles whereas some destinations are […]

The post 5 Best Happening Destinations for Singles appeared first on The Travelers Zone.


          Tanzania:Banning Use of Plastic Bags to Protect Environment      Cache   Translate Page      
[Daily News] PLASTIC bags have been used for decades now in Tanzania. It is with no doubt that most millennials have found these bags in use and circulation. These bags are thin in size and are therefore portable. They come in heavy and light weight types, traditionally made of polyethylene materials.
          NEW BAND CRUSH: HYPOLUXO / NEW ALBUM SEP. 21st 2018      Cache   Translate Page      
  Wikipedia dot org– the modern millennials most trusted fact source, defines a collage a
          Could Creating One Bay Area City Solve the Housing Crisis?      Cache   Translate Page      
What if we looked at a regional approach to housing? Could we save millennials, seniors, locals and future locals like we saved the bay?
          Seg. 1: Feminism In A Word. Seg. 2: Never Records      Cache   Translate Page      
Segment 1: Millennials are largely for gender equality, but they aren't so crazy about the term 'feminism.' We discuss Dr. Cathy Cohen's study with her as well as with an activist and local Kansas Citians. Dr. Cathy Cohen , professor of political science, University of Chicago Jay-Marie Hill Taylor Hirth Shannon Berry Segment 2, beginning at 35:33: Open Spaces artist Ted Riederer speaks about his record shop installation and we get some tips for scenes to check out this weekend. Ted Riederer , artist, Never Records Libby Hanssen , performing arts reporter, KCUR
          How to Use Technology to Create Real-World Connections      Cache   Translate Page      

How to Use Technology to Create Real-World Connections written by John Jantsch read more at Duct Tape Marketing

Marketing Podcast with Dan Schawbel Podcast Transcript This week on the Duct Tape Marketing Podcast, I chat with Dan Schawbel. He is a New York Times bestselling author, partner and research director at Future Workplace, and founder of both WorkplaceTrends.com and Millennial Branding. His forthcoming book, Back to Human: How Great Leaders Create Connection in the Age of Isolation, […]


          Generation Z is bullish on homeownership, despite weight of college debt      Cache   Translate Page      
Millennials might be scaling back their hopes for homeownership, but the generation behind them is dreaming big. More than eight in 10 adult members of Generation Z, the oldest of whom were born in 1995, said they expect to buy a home within the next five years, according to new survey results from PropertyShark. Survey respondents between ages 18 and 23 also said on average they expect to pay $37,000 for their next down payment, ... [more]
          World - Apple is the most popular stock among millennials after its big iPhone event      Cache   Translate Page      
Apple was this week the most-popular stock among millennial traders on Robinhood. It retook the top spot from Facebook for the first time in eight weeks, coinciding with its...
          High cost of housing top of mind for women, renters and millennial voters, poll says      Cache   Translate Page      
Mortgages and rents are affecting how much residents save for retirement and their children’s education and impacting whether they have one or more children, says the research for the home builders as ... - Source: www.thestar.com
          Varo Money ‘State of the Uni’ Survey: 37% of College Grads Feel Degree Wasn’t Worth the Student Loan Debt      Cache   Translate Page      

Survey also reveals that millennials are pragmatic: only 14% willing to be ‘starving artists,’ and 75% willing to ‘get a real job’ by age 40 if their dream career doesn’t pan out

(PRWeb September 13, 2018)

Read the full story at https://www.prweb.com/releases/varo_money_state_of_the_uni_survey_37_of_college_grads_feel_degree_wasnt_worth_the_student_loan_debt/prweb15756944.htm


          Saudi Millennials Dominating E-Sports Market      Cache   Translate Page      
With 26% of the world’s gamers coming from MENA region, Honor, the leading smartphone e-brand has teamed up with JollyChic, a mobile e-commerce platform serving the Middle East market and Gameloft, leader in the development and publishing of mobile games to create a competition – ‘The Honor Turbo Cup’ – for Saudi Millennials passionate about E-sports.

Saudi Millennials Dominating E-Sports Market


          No se esperaba tantas 'flores'      Cache   Translate Page      
Cecilia Suárez está sorprendida y feliz por la respuesta de los millennials a su personaje Paulina de la Mora en "La Casa de las Flores".
          The Evolution of the Master-Planned Community      Cache   Translate Page      
It wasn’t too long ago when the typical master-planned community was mostly a collection of separate subdivisions selling under a shared branded location, with some homes wrapped around a golf course or a water feature in order to offer views (and premiums).

If there was a retail component, it was generally located on the periphery, requiring residents on various cul-de-sacs to drive for even the shortest errand.  When people went out for walks, it was generally along paved sidewalks adjacent to neighborhood streets, and did little to encourage interaction among the residents.

Today, however, the typical master-planned community developer has replaced the golf course with open space and trails, created nostalgic town centers within walking distance of each home, and started producing regular events in order to foster more interaction among those who live there.

Somewhat ironically, it was the Great Recession, the housing bust and recovery which allowed many developers the luxury of time to re-think what a modern master-planned community could be. This time period also coincided with the aging of the millennial generation into their household-forming years, with many of them opting for novel and creative experiences, versus simply demanding more living space and a higher bedroom count.

Consequently, today’s most successful master plans focus on promoting a unique sense of place, with the actual living space sometimes almost viewed as a secondary consideration.

Another major change was greater product segmentation, with a few traditional single-family subdivisions of various home and lot sizes giving way to higher-density, single-family and multi-family options, both for younger residents as well as downsizing seniors wanting to live close to family and friends.  In some cases, today’s build-to-rent homes will eventually be converted for sale at the appropriate time, thus encouraging new renters to start developing local roots now instead of later.

Yet when bumping up against unyielding costs for land and improvements, developing an experiential community with ample open space alongside a wide mix of products creates its own mix of challenges to the bottom line.

Explains Tom Martin, Senior VP, Community Development of Newport Pacific Land Company, “I would say that our focus is not only on good place making and planning, but also on innovative products such as homes on small lots, cluster detached homes and townhomes.  This allows us to increase attainability thru density while achieving an acceptable residual to the land.”

In some cases, good place making can incorporate a common theme to be used throughout the community.

At the 199-acre Sterling Meadows master plan near Sacramento, CA, developer The True Life Companies chose music as a connector, especially at its 13.7-acre main park.

In addition to interior pathways designed to resemble a treble cleft (essential to reading music), musical notes and symbols are inlaid into the pavement on pathways, in plazas and in water play areas.  Even the community’s street names are tied to music, with the exception of one key street, which is named for a fallen military veteran of the local community.

In other cases, ensuring that the community blends into the surrounding environment is critical.  At the 1,600-acre Tesoro Viejo master plan north of Fresno, CA, views of the nearby Sierra Nevada foothills are given center stage, with one-quarter of the land allocated for natural open space, parks, areas for recreation and miles of trails. For community interaction, a resort-style clubhouse, amphitheater and large event lawn will be able to host a variety of live events.

The tradition-oriented Town Center, modeled after a typical small town’s Main Street, will include new stations for fire and police protection as well as the Welcome Center. Dubbed “The Hub,” the center will include a neighborhood coffee bar, food options and multi-use offices for daily use long after the last home has sold.

For more built-out environments, the challenge is how to transform a large swath of land which will still appear relatively seamless when completed.  In between the downtown area and a 30-acre harbor in Honolulu, HI, Howard Hughes Corp. is re-envisioning a former center for heavy industry and commercial fishing into the environmentally friendly Ward Village.  Here, cars are given a lesser priority than pedestrians, bikes and buses, encouraging a slower pace of life.

When completed, a central plaza with a Farmer’s Market, a future light rail stop, 4,000 residential units and over one million square feet of retail and commercial space – including scores of existing businesses – will allow locals to visit some of their long-favorite haunts in a re-envisioned place.  Others will simply call it home.


          Marc Benioff Wants You to Reward Stakeholders (Not Just Shareholders)      Cache   Translate Page      
Corporate social responsibility is the new hotness, especially among Millennials. But does it really pay off?
          Comment on Legends Passed This Way by Cynic      Cache   Translate Page      
Vain Hope? Wasn't she one of the receptionists in Crossroads? (Look it up, millennials. Cultural gold that.)
          Re: Do you use social media to enhance your travel experience?      Cache   Translate Page      
Sadly - 40% of folks under 33 prioritize ‘Instagrammability’ when choosing their next vacation spot.

(Reference: https://www.forbes.com/sites/andrewarno ... tinations/)

Very sad.....folks planning based upon what they can boast versus what they can experience.



Traveling with a smartphone is great for convenience and taking pictures for my memories (and to share with other should they ask) but I refuse to be one of the new generation of travelers posting "Look at where I get to go!".
          Re: Robinhood Is Making Millions Selling Out Their Millennial Customers To High-Frequency Traders      Cache   Translate Page      
indexfundfan wrote:
Thu Sep 13, 2018 8:18 am

Personally, my own experience seems to be that I am getting more frequent price improvements at Vanguard and Schwab compared to at Merrill Edge.


Unless you're doing a lot of trading, your experience is likely subject to small sample size bias. I was in the (un?)fortunate position of having to trade out of a large volume of stock in a single company, a process that took many days to execute. I found that the frequency of price improvement for any collection of orders varied widely. As a result, if I'd only looked at one day worth of trading (~200 orders) I would have concluded that I got lots of price improvement with one particular broker, but if I looked at a different day with just as many orders I would have concluded that the opposite was true.



At least on the surface, Robinhood seems to be marketing their product to folks for whom getting free trades is more valuable than getting price improvement on their trades (specifically, to people with only a small amount of money to invest who most brokers don't give free trades to). It's likely their customers rarely if ever get price improvement and that money is instead used to fund operation of the service.



The only other place Robinhood seems to make money is by charging interest on margin. Quite honestly, I'd rather they fund their service with payment for order flow and price improvement rebates than by loaning people with little money cash to buy stocks.
          Smeg debutta in Cina su Tmall di Alibaba      Cache   Translate Page      
smeg

L’azienda italiana Smeg, produttrice di elettrodomestici di design, ha scelto Tmall come partner per l’espansione del business in Cina. Sulla piattaforma B2C del Gruppo Alibaba, inaugura il suo primo flagship store. Smeg proporrà un’offerta di piccoli elettrodomestici, tra cui la sua ultima linea Sicily is my love, disegnata in collaborazione con la casa di moda Dolce & Gabbana e disponibile in esclusiva agli oltre 570 milioni di consumatori cinesi attivi sul marketplace della compagnia tecnologica di Hangzhou. Le prevendite, già aperte da venerdì 7 settembre, includono oggetti come spremiagrumi, tostapane, macchine del caffè, bollitori e frullatori a immersione, tutti decorati con grafiche originali colorate che richiamano i motivi della tradizione siciliana: dagli agrumi, ai fiori, fino al mare. L’attuale offerta verrà ulteriormente ampliata in occasione dello shopping festival di Alibaba, Single’s Day, il prossimo 11 novembre.

Louis Ma, Greater China COO di Smeg, spiega: “Nell’ambito di questa partnership, intendiamo anche sfruttare le applicazioni New Retail e le capacità digitali di Alibaba per innovare e interagire in maniera efficace e rilevante con i nostri clienti di oggi e di domani”.

Christina Fontana, business development director di Alibaba Group in Italia, aggiunge:  “L’arrivo su Tmall di un brand unico e iconico come Smeg apporta un valore eccezionale per i nostri clienti in Cina. L’apprezzamento per prodotti “premium” è un trend in crescita in Cina, e i prodotti Smeg sono ottimamente posizionati per cogliere questa opportunità e diventare una presenza fissa nelle abitazioni di tanti Millennials e famiglie nei principali centri urbani cinesi”.

L'articolo Smeg debutta in Cina su Tmall di Alibaba è un contenuto originale di Gdoweek.


          State Senate primaries that spell trouble for business owners      Cache   Translate Page      

Primary day is almost upon us and the spotlight is on one race—Gov. Andrew Cuomo versus actor-activist Cynthia Nixon.

But savvy business owners know the governor doesn't run New York state alone, and their eyes are on fights further down the ticket. And not just the fracas for the state attorney general's job, but a handful of scattered clashes that will determine what kind of legislation crosses Cuomo's desk in the next two years.

The internecine struggles over the following state Senate seats may well determine on how tightly rent laws will bind landlords and whether the state embraces single-payer health care and new fees to finance transit and other programs. A rising tide of support for liberal candidates down-ballot could even lift the boats of their statewide counterparts, one source suggested.

Bronx Sen. Jeffrey Klein vs. Alessandra Biaggi (Riverdale, Throggs Neck, Morris Park, Pelham Bay, City Island): Seven years ago, Klein—the Senate Democrats' best fundraiser—led three of his colleagues in splintering from the party's larger delegation and forming the Independent Democratic Conference. In 2012, they forged a power-sharing accord with Senate Republicans, yielding Klein the title of co-leader. That pact held until earlier this year when Cuomo, under pressure from Nixon and other left-wing interests, forced a reconciliation between the two party factions. The IDC, its ranks swollen to eight, dissolved back into the Democratic caucus and Klein became deputy to Minority Leader Andrea Stewart-Cousins.

Klein's fundraising prowess stems in part from his warm rapport with real estate interests, the liquor industry and private carting outfits. As Democrats appear on the brink of winning their first majority in the chamber in a decade, Klein and his acolytes remain business' best chance of wielding influence on legislation. Insiders told Crain's that among Democrats, only Klein himself and three other former IDC members in the five boroughs face a real risk of eviction from office.

His opponent, a former Cuomo aide and the granddaughter of a corruption-marred late congressman, has tried to make Klein's fundraising a liability—particularly his use of the legally dubious Senate Independence Campaign Committee, a joint effort with the state's Independence Party that the Board of Elections has condemned. The 32-year-old has aggressively pursued left-leaning under-40 voters, who helped propel Alexandria Ocasio-Cortez's insurgent bid to victory over Rep. Joseph Crowley in an overlapping district in June. But the bulk of Ocasio-Cortez's base was in Queens, and sources indicated Klein enjoys the loyalty of senior citizens, particularly in the southern and eastern portions of the district.

But Klein will only have real power if his former IDC members survive too.

Upper Manhattan Sen. Marisol Alcantara vs. Robert Jackson (Washington Heights, Inwood, Manhattanville, Upper West Side): Jackson is hoping the third time's the charm. The former city councilman unsuccessfully challenged Alcantara's predecessor, now-Rep. Adriano Espaillat, in 2014, and came up short against her and another candidate in 2016. But now Jackson is taking on Alcantara one-on-one, with the political machines in Harlem and the Upper West Side on his side. Reports indicate that Alcantara has lost the backing of Espaillat, her longtime political patron, possibly robbing her of her base—the first- and second-generation Dominican immigrants in the north end of the district.

Ironically, Alcantara is probably the most liberal ex-IDCer, while Jackson was a plastic-foam industry lobbyist and has ties to the restaurant sector. Jackson could well prove to be more of an asset for business interests than the incumbent is.

Queens Sen. Jose Peralta vs. Jessica Ramos (Jackson Heights, Corona): Peralta's district covers much of the heart of Ocasio-Cortez's base, giving hope to Ramos, a local Democratic Party official and former aide to Mayor Bill de Blasio. Peralta was the most recent addition to the IDC and is a fairly nondescript official whose record includes some work on reforming drug laws and encouraging banks to move to low-income communities. Ramos has slammed him mainly for his involvement with the IDC—which she blames for the failure of a raft of liberal legislation, especially on immigration issues—and for taking donations from developers. The race is mainly of interest as a proxy war between de Blasio and Klein, and a test of whether the socialist-leaning Ocasio-Cortez vote (mostly white millennials fairly new to the district) is invested in state politics.

Crain's found recently that some real estate interests have sought to curry favor with the mayor, a man badly in need of friends in the state capitol, by donating to Ramos's campaign (the candidate returned the contributions). A Ramos victory would guarantee the mayor at least one sympathetic ear in the 63-member state Senate.

Brooklyn Sen. Jesse Hamilton vs. Zellnor Myrie (Crown Heights, Brownsville, Sunset Park, Gowanus, Park Slope): Like Peralta's turf, Hamilton's Central Brooklyn district has undergone dramatic gentrification over the past decade. Hamilton joined the IDC shortly before winning his second term in 2016, breaking a promise and provoking a backlash predominantly from affluent white liberals. Hamilton and his allies have depicted Myrie, a de Blasio-backed local lawyer, as a tool of rootless gentrifiers. Like the rest of the insurgents, Myrie has assailed Hamilton for his receipt of money from real estate interests.

Crain's discovery that Hamilton has used a property belonging to his nonprofit for political purposes, in apparent violation of city and state laws, added another wrinkle to the contest. As with the Peralta/Ramos race, the contest is a weather vane of which demographics are ascendant in the Democratic coalition: traditional non-ideological blocs or hardline leftists. The outcome will not only affect Klein's power but flavor state policy.

Brooklyn Sen. Simcha Felder vs. Blake Morris (Borough Park, Midwood, Flatbush, Sheepshead Bay, Ditmas Park, Sunset Park): Klein's not the only Democrat who has gotten cozy with Republicans. Felder, not an IDC member, has caucused with the GOP since winning his election in this so-called "super-Jewish district" in 2012. He has earned the left's ire for using his position in the majority to block the city's law creating a 5-cent surcharge on plastic bags, and for holding up the state budget this year in an effort to exempt yeshivas from state education standards. An accountant by trade, Felder has raked in cash from the real estate and health care industries. Morris, an ardent liberal with no political experience, has won hearts outside the district but has little base inside it. Unless the High Holidays severely depress turnout among religious Jews, Morris has no clear path to victory in the primary.

And because Felder runs on the Republican line as well, he could defeat his challenger in November even were Morris to triumph Thursday.

Brooklyn Sen. Martin Dilan vs. Julia Salazar (Williamsburg, Bushwick, Cypress Hills, Greenpoint): Dilan is a 15-year incumbent Democrat with no history of GOP dalliances. But his battle against a newly arrived political neophyte in a hyper-gentrified slice of northern Brooklyn has become perhaps the most bitter and bizarre contest this cycle. His rival, Julia Salazar, is running with the support of the Democratic Socialists of American and a large number of well-educated whites. Dilan seems to depend heavily on what remains of the district's traditional Latino, black, Jewish and Polish communities and on the support of the Real Estate Board of New York and the Rent Stabilization Association, key advocates for landlords and heavy investors in his re-election. The incumbent also has close ties to what remains of the low-income housing and health care nonprofit apparatus built by the late former Brooklyn Democratic Party boss Vito Lopez.

But the media focus has fallen on Salazar's strange and shifting biography. The candidate made numerous false statements about her and her family's immigration, religious and financial background, as well as about her education. Reporters also uncovered her surreal personal and legal battle with the ex-wife of retired Mets first baseman Keith Hernandez.

Should Salazar triumph despite of her fibs and lack of experience, it would suggest a substantial slice of the Democratic electorate shares her ambition to "dismantle" capitalism. It would also demonstrate that Dilan's brand of politics is no longer viable among young, white millennials in New York City.

Ross Barkan vs. Andrew Gounardes (Bay Ridge, Dyker Heights, Bensonhurst, Manhattan Beach, Marine Park, Gerritsen Beach): The district, a long swath of middle-class southern Brooklyn, is the Senate GOP's lone outpost in New York City outside Staten Island, thanks to state Sen. Martin Golden, a 16-year incumbent. Despite the leaching of some conservative white ethnic voters from the area and frequent well-publicized gaffes, Golden has kept his seat thanks to aggressive retail campaigning and strong ties to both business interests and organized labor. But two millennial Democratic challengers think the blue wave will finally wash away this red beachhead.

Gounardes, counsel to Brooklyn Borough President Eric Adams, has the backing of most local Democratic officials and unsuccessfully attempted to oust Golden in 2012. Barkan, a former political reporter, has captured outside attention and donations with Ocasio-Cortez-style campaigning and roused the passions of a small but ardent core of liberals. He has also forced the discourse hard to the left. The primary's result will come down to turnout.

But it seems unlikely that an unabashed left-wing message will resonate in a district rich in single-family homeowners and small entrepreneurs, and rife with socially conservative Catholics, Muslims and Jews. Sources Crain's consulted, including Democrats who have endorsed either candidate, predicted Golden would once again win in November.

The bigger question for business interests is who will succeed the 68-year-old Golden whenever he retires. Whoever wins this year's primary could be the Democratic frontrunner in that race.


          The 10 Hottest Pink Looks From NYFW 2018      Cache   Translate Page      
It’s majesty the color Pink, has come a long way. From Barbie’s signature to millennial’s favorite, designers and fashionistas still...
          Club Factory announces club shopping week      Cache   Translate Page      

[India], Sep 13 (NewsVoir): Club Factory, the leading cross-border E-commerce platform and currently one of the most popular shopping apps on Google Play Store and iOS App Store, announces the 'Club Shopping Week' with a host of exciting offers and 'Never Seen Before' discounts across unique range of next-generation affordable lifestyle products. The sale will last for a period of 6 days starting from September 15 to September 20, 2018.

With the launch of the 'Club Shopping Week' customers can look forward to exciting deals across brands at the most affordable prices. The six-day shopping fiesta will be applicable on Club Factory's great selection of modern, trendy and unique products and accessories ranging from apparels, shoes, jewelry, home decor, handbags, beauty products to gadgets and appliances.

Besides the various discounts on offer, users can also claim free phone cases and gifts as well as get coupons by sharing their shopping details on social media. The company is also offering free shipping across the country with no minimum order.

Throughout this period, shoppers will get a chance to splurge on the seasons best deals across a range of high street fashion and latest international styles for its customers to indulge in a shopping spree.

The time has come to upgrade your style quotient with Club Factory's Affordable Lifestyle Days. During this period Club Factory will bring the best of clothing with exciting offers on new trending patterns on women & men's clothing including shirts, hoodies, jeans, jackets, capes, coat and everything which adds a dash to your style.

Affordable Jewelry and Accessories days - time to refill your wardrobe with the most quirky range of accessories, jewelry, uber cool watches and redesign your homes with Home Essentials and Gadgets starting from Rs. 99.

Affordable Footwear and Bags days - Club Factory will be unveiling a wide array of stylish Footwears and Bags with slashed prices up to 85% off during Club Factory's Affordable Footwear and Bags days.

Bollywood superstar and youth icon Ranveer Singh and Miss World Manushi Chhillar, as brand ambassadors of Club Factory, promotes the fashion expertise of Club Factory as it offers stylish clothes and apparel at an extremely reasonable price range.

The digital video launched with the stars portrays the broad range of apparels available on the platform and how users can own these trendy clothes at factory price at just the click of a button. The campaign, in sync with Club Factory's freshness and energy, promotes the Club Factory mobile app as the preferred one-stop shop for a stylish yet fashionable look at an unbeaten factory price.

"Club Factory has set sights on giving young Indian consumers easy access to affordable glamour at unbeatable factory prices. As one of the most downloaded shopping apps in the country, we look forward to repaying the love and faith entrusted to us by our customers," said Vincent Lou, founder and CEO, Club Factory.

"The 'Club Shopping Week' is an initiative in this regard and has been curated to offer everything our customers are looking for this upcoming sale at the most affordable prices. This is just the beginning and one can look forward to more such exciting offers in the future," added Lou.

The 'Club Shopping Week' falls in line with Club Factory's plans of intensifying focus on the Indian online retail market and bringing affordable glamour to millennials across every nook and corner of the country.

Launched in October 2016, Club Factory has gained immense popularity and positive word-of-mouth from users and has garnered a worldwide user base of more than 70 million with 40 million users coming from India alone. According to App Annie, Club Factory is ranked amongst the top E-commerce platforms in India and is also the highest downloaded app in the shopping category in July. (NewsVoir)


          COMUNICADO: Noken, la nueva startup de viajes que ayuda a los millennials a descubrir el mundo      Cache   Translate Page      
Noken es una startup fundada por un español y con sede en Nueva York que crea paquetes de viajes autoguiados. Su producto está dirigido a un público millennial que tiene la idea de descubrir países por primera vez.
          How Trendy Butler uses male influencers to sell clothing subscription boxes      Cache   Translate Page      

Ali Najafian of Trendy Butler said his company uses influencer marketing to help explain its clothing subscription service to millennial guys.

The post How Trendy Butler uses male influencers to sell clothing subscription boxes appeared first on Digiday.


          Comment on The Millennial Generation is on the Move by Millennials at L.A.’s Auction House - 360 MAGAZINE | ART + MUSIC + DESIGN + FASHION + AUTO + TRAVEL + FOOD + HEALTH      Cache   Translate Page      
[…] Did you know that more Americans relocate between May and September than at any other time of year? And, millennials are on the move! According to rent.com, some 43 percent are leaving their college cities or hometowns to live in more urban areas – mainly for a job, significant other or try something new. (Blog- millennial generation on the move) […]
          Education, Societal Division and a Proposal      Cache   Translate Page      
Überpost alert!  It is something I've been studying and thinking about since 1993, and writing about here for 15 years, so there will be a lot of internal links, external links, links to stuff that only exists because of the Internet Wayback Machine, etc. and a lot of stuff you've seen here before if you've been here very long. It's about a lot more than education, too, but it all starts there.

Lets get on with it, shall we?

"All who have meditated on the art of governing mankind have been convinced that the fate of empires depends on the education of youth." - Aristotle

If you've read this blog for any extended period, you know one of my personal hobby-horses is public education. Specifically, its general failure to educate. That failure is hardly a new thing. Let me remind you:

Quote of the Day, July 13, 2012

Quote of the Day, July 14, 2009

Those are John Taylor Gatto quotes not necessary to requote in full here, thus the links. Here are a couple of other significant quotes:
The aim of public education is not to spread enlightenment at all; it is simply to reduce as many individuals as possible to the same safe level, to breed and train a standardized citizenry, to put down dissent and originality. That is its aim in the United States, whatever the pretensions of politicians, pedagogues, and other such mountebanks, and that is its aim everywhere else.

--

And what is a good citizen? Simply one who never says, does or thinks anything that is unusual. Schools are maintained in order to bring this uniformity up to the highest possible point. A school is a hopper into which children are heaved while they are still young and tender; therein they are pressed into certain standard shapes and covered from head to heels with official rubber-stamps.

Henry Louis Mencken, 1924
Even Noam Chomsky concurs:
I quoted the Trilateral Commission view of the educational system, namely that it's a system of indoctrination of the young, and I think that's correct. It's a system of indoctrination of the young. That's the way the liberal elites regarded it and they're more or less accurate. So the educational system is supposed to train people to be obedient, conformist, not think too much, do what you're told, stay passive, don't raise any crises of democracy, don't raise any questions. That's basically what the system is about.
Watch the whole clip. It's about five minutes long.

I've written about indoctrination before, but my objection has been to what indoctrination is going on, not why:
...I am ambivalent on the topic of "indoctrination." My problem is with what that indoctrination entails. (Leo) Rosten objects to the failure of the educational system to indoctrinate moral values. I'd say it still does. It just doesn't indoctrinate goodness, kindness, and decency anymore. It indoctrinates "multicuturalism," "tolerance," "sensitivity," "fairness," "socialism," and "self-esteem." It fails to instruct in history, civics, ethics, mathematics, English, or for that matter, job skills. The education system receives "young skulls full of mush" and processes them right on through, sending them into the world with what Ayn Rand described as "a junk heap of unwarranted conclusions, false generalizations, undefined contradictions, undigested slogans, unidentified wishes, doubts and fears."

The reasons for this are myriad. Diane Ravitch puts part of the blame (convincingly) on the textbook companies who are loath to put anything in a text that someone, anyone, might find offensive. I put a large part of the blame on the influx of socialist True Believers into the ranks of educators since the time of John Dewey. As far as public schools are concerned, we've abandoned the idea that education can liberate the human mind or human spirit. Schools are now warehouses, run by administrators terrified of lawsuits and too many teachers who are literally tyrannized by their charges and their parents. Indoctrination still goes on, though. Read this lovely little op-ed by Mark Bradley, a history teacher from Sacramento. I bet his classes are popular!

It would seem that if you want some good indoctrination, your only choices are homeschooling or private - often ecumenical - schools.

Indoctrination of children is not necessarily a bad thing, but somewhere along the line we stopped paying attention to what was and what wasn't getting poured into their heads, and it started long before 1975.
In 2008 I wrote another überpost, The George Orwell Daycare Center, specifically illustrating the kind of indoctrination I'm objecting to, followed by an observation by historian, profound thinker and university professor Victor Davis Hanson. I believe that it is still possible to get a decent education out of many, possibly most school systems in this country - if you want one.  This is due to those teachers who really do know their subjects and how to teach them, and students willing to do the work necessary to learn them. I think both still exist, however I graduated High School in 1980 so this may no longer be as true as it once was. It does appear that the ratio of such teachers and students to the general population is getting continually smaller. That question is "Why?"
Our once unchallenged preeminence in commerce, industry, science, and technological innovation is being overtaken by competitors throughout the world. This report is concerned with only one of the many causes and dimensions of the problem, but it is the one that undergirds American prosperity, security, and civility. We report to the American people that while we can take justifiable pride in what our schools and colleges have historically accomplished and contributed to the United States and the well-being of its people, the educational foundations of our society are presently being eroded by a rising tide of mediocrity that threatens our very future as a Nation and a people. What was unimaginable a generation ago has begun to occur--others are matching and surpassing our educational attainments.

If an unfriendly foreign power had attempted to impose on America the mediocre educational performance that exists today, we might well have viewed it as an act of war.
That last one is from the introduction to the 1983 report of the National Commission on Excellence in Education entitled A Nation at Risk: the Imperative for Educational Reform.

It was an act of war. Guerilla war. But the battleground had been carefully prepared, like the Maginot Line, for an entirely different war.
In the first decades of the twentieth century, a small group of soon-to-be-famous academics, symbolically led by John Dewey and Edward Thorndike of Columbia Teachers College, Ellwood P. Cubberley of Stanford, G. Stanley Hall of Clark, and an ambitious handful of others, energized and financed by major corporate and financial allies like Morgan, Astor, Whitney, Carnegie, and Rockefeller, decided to bend government schooling to the service of business and the political state—as it had been done a century before in Prussia.

Cubberley delicately voiced what was happening this way: "The nature of the national need must determine the character of the education provided." National need, of course, depends upon point of view. The NEA in 1930 sharpened our understanding by specifying in a resolution of its Department of Superintendence that what school served was an "effective use of capital" through which our "unprecedented wealth-producing power has been gained." When you look beyond the rhetoric of Left and Right, pronouncements like this mark the degree to which the organs of schooling had been transplanted into the corporate body of the new economy.

It’s important to keep in mind that no harm was meant by any designers or managers of this great project. It was only the law of nature as they perceived it, working progressively as capitalism itself did for the ultimate good of all. The real force behind school effort came from true believers of many persuasions, linked together mainly by their belief that family and church were retrograde institutions standing in the way of progress. Far beyond the myriad practical details and economic considerations there existed a kind of grail-quest, an idea capable of catching the imagination of dreamers and firing the blood of zealots.

-- John Taylor Gatto, The Underground History of American Education
...between 1967 and 1974, teacher training in the United States was covertly revamped through coordinated efforts of a small number of private foundations, select universities, global corporations, think tanks, and government agencies, all coordinated through the U.S. Office of Education and through key state education departments like those in California, Texas, Michigan, Pennsylvania, and New York.

Important milestones of the transformation were: 1) an extensive government exercise in futurology called Designing Education for the Future, 2) the Behavioral Science Teacher Education Project, and 3) Benjamin Bloom's multivolume Taxonomy of Educational Objectives, an enormous manual of over a thousand pages which, in time, impacted every school in America. While other documents exist, these three are appropriate touchstones of the whole, serving to make clear the nature of the project underway.

Take them one by one and savor each. Designing Education, produced by the Education Department, redefined the term "education" after the Prussian fashion as "a means to achieve important economic and social goals of a national character." State education agencies would henceforth act as on-site federal enforcers, ensuring the compliance of local schools with central directives. Each state education department was assigned the task of becoming "an agent of change" and advised to "lose its independent identity as well as its authority," in order to "form a partnership with the federal government."

The second document, the gigantic Behavioral Science Teacher Education Project, outlined teaching reforms to be forced on the country after 1967. If you ever want to hunt this thing down, it bears the U.S. Office of Education Contract Number OEC-0-9-320424-4042 (B10). The document sets out clearly the intentions of its creators — nothing less than "impersonal manipulation" through schooling of a future America in which "few will be able to maintain control over their opinions," an America in which "each individual receives at birth a multi-purpose identification number" which enables employers and other controllers to keep track of underlings and to expose them to direct or subliminal influence when necessary. Readers learned that "chemical experimentation" on minors would be normal procedure in this post-1967 world, a pointed foreshadowing of the massive Ritalin interventions which now accompany the practice of forced schooling.

The Behavioral Science Teacher Education Project identified the future as one "in which a small elite" will control all important matters, one where participatory democracy will largely disappear. Children are made to see, through school experiences, that their classmates are so cruel and irresponsible, so inadequate to the task of self-discipline, and so ignorant they need to be controlled and regulated for society's good. Under such a logical regime, school terror can only be regarded as good advertising. It is sobering to think of mass schooling as a vast demonstration project of human inadequacy, but that is at least one of its functions.
That was also Gatto.

Our education system, as Gatto has noted, is largely based on the Prussian system established by the great industrialists of their era in order to produce a two-tiered output - the workers and the owners and managers. However, it was rapidly suborned instead to destroy Western culture:
Translated into practical terms and updated from its early-20th-century Italian cultural setting, (Antonio) Gramsci's thesis is understood by the modern Left to mean:
Socialist revolution will never happen in a nation if its culture continually reaffirms and enshrines middle-class capitalist values. Thus, in order to pave the way for the arrival of a communist state, radicals must first insinuate themselves into and/or influence the media and educational system, and from these positions of influence change public attitudes about the status quo. To achieve political hegemony, you must first achieve cultural hegemony.
This was a significant change from Marx's and Lenin's original ideas about communist revolution, which basically involved simply seizing power, public opinion be damned, and afterward propagandizing the masses to accept the new order. Gramsci realized that Marx had it reversed, and that the propaganda and indoctrination must happen first, in order to make the populace open to the idea of revolution; otherwise, rendered complacent by middle-class values and comforts, the populace would never consent to the upheaval of a revolution.

The media and public schools were correctly identified by Gramsci as the most influential cultural institutions, and it was therefore those that the left realized must be targeted.

It is this sophisticated Gramscian plan, and not the more brutish Marxist idea of simply seizing power by force, which has guided leftist thought in America since WWII. And it is why the media and education have, over time, been slowly turned into engines of leftist propaganda. Gramscianism matured into "critical pedagogy" which is the real-world application of his educational theories, and countless left-leaning young adults have for decades been nudged toward careers in education and the media. Some time ago, we crossed a threshold in which the Gramscian infiltrators no longer had to ply their trade surreptitiously, but became the majority in the media and in education, and after that point the process accelerated rapidly as they took over both fields and turned them into ideological weapons.
Sugatra Mitra, Indian solid state physicist and now Professor of Educational Technology at the School of Education, Communication and Language Sciences at Newcastle University, England, was among the forefront of people who had to learn how to write software, and ended up doing more teaching of that than physics. When the generic PC hit the market, his colleagues were astounded to see that their young children could learn to operate these complex, expensive machine without instruction. This piqued his interest in primary education. Though his interest was specific to the British system, he came to a similar conclusion:
I tried to look at where did the the kind of learning we do in schools, where did it come from? And you know you can look far back into the past, but if you look at present-day schooling the way it is, it's quite easy to figure out where it came from. It came from about 300 years ago, and it came from the last and the biggest empire on the planet. Imagine trying to run the entire planet without computers, without telephones, with data handwritten on slips of paper and traveling by ships. But the Victorians actually did it. What they did was amazing. They created a global computer made up of people. It's still with us today, it's called the "bureaucratic administrative machine."

In order to have that machine running, you need lots and lots of people. They made another machine to produce those people - the school. The schools would produce the people who would then become parts of the bureaucratic administrative machine. They must be identical to each other. They must know three things: they must have good handwriting because the data is handwritten, they must be able to read, and they must be able to do multiplication, division, addition and subtraction in their head. They must be so identical that you could pick one up from New Zealand and ship them to Canada and he would be instantly functional.

The Victorians were great engineers. They engineered a system that was so robust that it is still with us today, continuously producing identical people for a machine that no longer exists.
I will come back to this later when I delve deeper into the education portion of this post.

So the purpose of "public education" isn't so much educating, it's building dependable uniform cogs for a machine run by elites. As I have noted in the past, despite the inspirational rhetoric of Jefferson in the Declaration of Independence and President Lincoln in the Gettysburg Address, the purpose of governments has always been, until the American Revolution, to protect and expand the power and privilege of the powerful and privileged, not the protection of the individual rights of the cogs, not to be "of the people, by the people, for the people." Referring back to that first Gatto link, you'll note that our Founders were, as they pretty much had to be, self-taught. That has changed since the late 18th century, at first slowly, but exponentially.

Angelo Codevilla, Professor Emeritus of International Relations at Boston University, calls this "elite" our Ruling Class.
Our ruling class's agenda is power for itself. While it stakes its claim through intellectual-moral pretense, it holds power by one of the oldest and most prosaic of means: patronage and promises thereof. Like left-wing parties always and everywhere, it is a "machine," that is, based on providing tangible rewards to its members. Such parties often provide rank-and-file activists with modest livelihoods and enhance mightily the upper levels' wealth. Because this is so, whatever else such parties might accomplish, they must feed the machine by transferring money or jobs or privileges -- civic as well as economic -- to the party's clients, directly or indirectly. This, incidentally, is close to Aristotle's view of democracy. Hence our ruling class's standard approach to any and all matters, its solution to any and all problems, is to increase the power of the government -- meaning of those who run it, meaning themselves, to profit those who pay with political support for privileged jobs, contracts, etc. Hence more power for the ruling class has been our ruling class's solution not just for economic downturns and social ills but also for hurricanes and tornadoes, global cooling and global warming. A priori, one might wonder whether enriching and empowering individuals of a certain kind can make Americans kinder and gentler, much less control the weather. But there can be no doubt that such power and money makes Americans ever more dependent on those who wield it.

Laws and regulations nowadays are longer than ever because length is needed to specify how people will be treated unequally.
--
(The party) is composed of two tiers. The lower tier produces many outspoken members who make their demands known to the upper tier. The lower tier is derived from the inner-city population that serves as the base of the party. The lower tier's members are generally educated in public school systems and if they aspire to advanced training, they are educated in facilities provided by the state. This wing constitutes the majority of (the party's) membership, but contributes little or nothing to party theory or platform. It votes the party line and is rewarded with cash payments, subsidized housing, subsidized education, and occasional preferential employment in government positions. The lower tier provides only a handful of clearly token individuals allowed to serve in high offices.

The upper tier, which includes most of the party's management, virtually all the appointed and elected government officials, and all of the party's decision-makers, is drawn exclusively from suburban areas where wealth is a fundamental criterion for admittance as a resident. These party members are generally educated at private schools and attend private colleges. They are not affected by food-rationing schemes, income caps or taxation laws, as the legislation drafted and passed by members of their social group inevitably contains loopholes that effectively shelter their income and render them immune from unpleasant statues that restrict the lives of lower-tier party members and all nonparty citizens.

(The party) leadership recognizes that in return for supporting a seemingly populist agenda, they can obtain all the votes they require to remain in power. Even the most cursory analysis of their actions and attitudes, however, indicates that they are not populists but, in fact, are strong antipopulists who actively despise their voting base. This....is proven by their efforts to reduce public educational systems to a level most grade-school children (in other countries) have surpassed, with the excuse that this curriculum is all that the students can handle. They have made the inner-city population base totally dependent on the government, which they control. -- John Ringo from the novel The Road to Damascus
I'm by no means a fan of Pat Buchanan, but I think he was absolutely correct when he said:
Our two parties have become nothing but two wings of the same bird of prey.
So our system of Public Education has been largely turned into not only a system to crank out identical cogs, it also serves as a place for political indoctrination, and a place to ensure that a love of learning is beaten out of those cogs.

The political Left, once referred to as "the loyal opposition," has been suborned by Marxists in order to pursue their holy quest for the Utopia promised by Marx. Marxism promised the birth of the "New Soviet Man" as a spontaneous outcome of a Communist society, but that has never occurred. Of course, the counter argument is that none of the societies that call themselves Communist actually have been. "True communism has never been tried!" But the supporters of Marxist philosophy eventually concluded those men are required in order to achieve "True Communism," and instead of them spontaneously springing up after "the Revolution," the New Soviet Man has to be made, and the public education system has been the primary tool, along with the entertainment and information media, to pursue this goal.

To some tiny extent it has been successful.












In other significant ways it has spectacularly failed.

Thomas Sowell, economist and philosopher and the best thinker in my opinion of the last 70 years, wrote in what I consider to be his magnum opus A Conflict of Visions: Ideological Origins of Political Struggles that human beings philosophically break down, crudely but sufficiently descriptively, into two fundamentally opposed worldviews that they are effectively born with, not that they reach through reason:
 Sowell calls one worldview the "constrained vision." It sees human nature as flawed or fallen, seeking to make the best of the possibilities that exist within that constraint. The competing worldview, which Sowell terms the "unconstrained vision," instead sees human nature as capable of continual improvement.

You can trace the constrained vision back to Aristotle; the unconstrained vision to Plato. But the neatest illustration of the two visions occurred during the great upheavals of the 18th century, the American and French revolutions.

The American Revolution embodied the constrained vision. "In the United States," Sowell says, "it was assumed from the outset that what you needed to do above all was minimize [the damage that could be done by] the flaws in human nature." The founders did so by composing a constitution of checks and balances. More than two centuries later, their work remains in place.

The French Revolution, by contrast, embodied the unconstrained vision. "In France," Sowell says, "the idea was that if you put the right people in charge--if you had a political Messiah--then problems would just go away." The result? The Terror, Napoleon and so many decades of instability that France finally sorted itself out only when Charles de Gaulle declared the Fifth Republic.
I would argue that France hasn't exactly sorted itself out, but it is for the moment stable enough, but my point here is that those born with the "unconstrained" worldview are the ones that can be, and often enthusiastically are, receptive to the Utopian promise of Marxism.  The problem is that those born with the "constrained" worldview aren't, and they don't understand that. As a result, as Charles Krauthammer put it:
To understand the workings of American politics, you have to understand this fundamental law: Conservatives think liberals are stupid. Liberals think conservatives are evil.
So President Trump got elected to the shock of almost everyone, everywhere. No one in the political establishment, entertainment or information media could understand it.  He was, despite his wealth and education, not part of the Ruling Class, but he was President and a danger to the status quo, so everyone who is part or imagines themselves part or wants to be part of the Ruling Class has agreed that he won illegitimately and must be gotten rid of, regardless the cost. All those people who voted for him? Moronic knuckle-draggers, Christian fanatics clinging to their faiths, evil gun owners clinging to their pseudo-penises, evil greedy capitalists clinging to their ill-gotten gains, white supremacists longing to bring back slavery, etc, etc, etc. In short, the non-human enemy that cannot be reached so it must be wiped out.  You know, like Hitler and the Nazis.

The irony, it burns!

The American Left is most strongly concentrated in urban and suburban areas. As previously noted, they control the information and entertainment media and the entire education system from Kindergarten to post-graduate. They therefore think that almost everyone thinks like they do. They swim in waters that they don't ever think about. But the people who elected Trump exist in large quantities nationwide. The Left doesn't consider that number. It's their blind spot. These people live in  "flyover country."

When Trump appointed Betsy DeVos as Secretary of Education in 2017, the Left came further unhinged. DeVos, we were told, was unqualified, unprepared, "fundamentally incompetent," a zealot, and - to the Teacher's unions - apparently Gozer the Gozerian because she is enthusiastically in favor of education vouchers and school choice. Something the teachers unions vociferously oppose. You'll notice that our "Ruling Class" already practices "school choice." Their offspring attend private schools.
It is only from a special point of view that 'education' is a failure. As to its own purposes, it is an unqualified success. One of its purposes is to serve as a massive tax-supported jobs program for legions of not especially able or talented people. As social programs go, it’s a good one. The pay isn’t high, but the risk is low, the standards are lenient, entry is easy, and job security is pretty good...in fact, the system is perfect, except for one little detail. We must find a way to get the children out of it. -- Richard Mitchell, The Underground Grammarian
School choice is not enough. We need to nuke the whole thing from orbit, and make the rubble bounce.

Sugatra Mitra, previously quoted, was among the forefront of people who had to learn how to write software, and ended up doing more teaching of that skill than physics. When the generic PC hit the market, his colleagues were astounded to see that their young children could learn to operate these complex, expensive machine without instruction. This piqued his interest in primary education. Though his interest was specific to the British system, he came to a very interesting conclusion:
I used to teach people how to write computer programs in New Delhi, 14 years ago (1999) , and right next to where I worked there was a slum. I used to think how on earth are those kids ever going to learn to write computer programs? Or should they not? At the same time we had lots of parents, rich people who had computers, and who used to tell me "You know, my son, I think he's gifted, because he does wonderful things with computers. Oh and my daughter - surely she is extra intelligent." and so on. So I suddenly figured that how come all the rich people are having these extraordinarily gifted children? What did the poor do wrong?

I made a hole in the boundary wall of the slum next to my office, and stuck a computer inside just to see what would happen if I gave a computer to children who never would have one, didn't know any English, didn't know what the Internet was. The children came running in. It was three feet off the ground, and they said "What is this?" And I said "Yeah, it's, I don't know." They said "Why did you put it there?" I said "Just like that." And they said "Can we touch it?" And I said "If you wish to." And I went away.

About eight hours later, we found them browsing, and teaching each other how to browse. So I said "That's impossible, because- You know how is it possible? They don't know anything." My colleagues said "no it's a simple solution. One of your students must have been passing by and showed them how to use the mouse." So I said "Yeah, that's possible." So I repeated the experiment. I went 300 miles out of Delhi into a really remote village where the chances of a passing software development engineer was very little. I repeated the experiment there. There was no place to stay, so I stuck my computer in, I went away. I came back after a couple of months, found kids playing games on it. When they saw me they said "We want a faster processor and a better mouse." So I said "How on Earth do you know all this?" And they said something very interesting to me. In an irritated voice they said "You've given us a machine that works only in English, so we had to teach ourselves English in order to use it." That's the first time as a teacher I've heard the words "teach ourselves" said so casually.
Please watch that entire 22 minute video. It's important for your understanding of the rest of this essay. If you've not seen it before, it'll knock your socks off. If you're unfamiliar with the man, watch several more of his presentations. But Self Organized Learning Environments and the School in the Cloud answering "big questions" are also not enough. Human beings need to be able to do simple math in their heads, to at least understand algebra, to read with comprehension and for enjoyment, to understand history, both Western and worldwide, to understand how different governments work (or don't), and much more. In addition they need to be able to apply their knowledge to reach logical rather than emotional hypotheses and test them, and to learn skills that have been, as Mike Rowe observes, abandoned in the pursuit of mostly useless, incredibly expensive college degrees with the specious promise that a piece of paper promises a well-paying career leaving a society with a disdain for jobs that require physical labor as somehow inferior and degrading. And they need to be taught a work ethic. I like Mike's take on it.

As R.A. Heinlein put it:
A human being should be able to change a diaper, plan an invasion, butcher a hog, conn a ship, design a building, write a sonnet, balance accounts, build a wall, set a bone, comfort the dying, take orders, give orders, cooperate, act alone, solve equations, analyze a new problem, pitch manure, program a computer, cook a tasty meal, fight efficiently, die gallantly. Specialization is for insects.
While there are autodidacts (I'm one when it comes to American history, education and Constitutional law), I don't think many people are. Those people who aren't need some direction, some pressure to learn. Generally it's pursuit of better employment opportunities, but those are adults. We're talking here about primary education. Again the Internet has become the place to go for everything from mathematics to chemistry to ancient history, to just about anything you can imagine, but someone has to provide that content and point kids at it with interest in learning it.

As far as content creation is concerned, there is multiple-degreed former hedge-fund manager and now The Most Influential Person in Education Technology, Salman Kahn, who in 2004 was tutoring his niece in mathematics long-distance using YouTube, Yahoo Doodle, a closet, a $900 desktop from Best Buy and a $200 microphone. Sound familiar?

Kahn established his non-profit Kahn Academy in 2008, beginning with a mathematics curricula, but with outside funding he's been able to hire staff and expand to many, many other subjects. His major concern, however, is mastery of the subject. That requires keeping track of each student's progress, and not allowing them to move on until they demonstrate that mastery:
I grew up with plenty of smart people. They would beat me at chess, they could solve brain teasers before I could, but then they would struggle in algebra. These were incredibly smart people who simply did not have the foundation in math that I had. I saw the same thing with my cousin, Nadia. She had actually gotten “A”s and “B”s in every math class. Despite that, she had some serious gaps in her knowledge that became more significant as the content became more difficult.
These gaps are due to the Prussian system - all students arrive in the classroom at the same time, are lectured by a teacher who has little to no time for individual attention but must finish the lecture before the next bell rings and then gives homework to the students to be turned in the next day. As he has said many times, would you construct a building this way? His example is that a contractor is hired to build that building, with a rigid time schedule. The contractor has X number of days to pour the foundation, regardless of weather or anything else. When the inspector shows up, he says "Well the concrete isn't quite dry here, and there's a crack there. I'd give it an 80%." Well, 80% is a "B" and that's good enough, right? So the contractor proceeds. But when they get to the 4th floor, the entire structure collapses. Who's at fault?

The education system.

With the Kahn Academy the lectures are viewed at home where you can back them up or simply repeat them until you've got the idea. Only then are you given problems to work, which can be done in the classroom in collaborative effort with five or six other students helping explain anything the struggling student still doesn't quite grasp, just as Dr. Mitra's SOLEs are set up. Software keeps track of the student's performance by providing those questions to solve, and once the student gives a sufficient number of correct answers in a row it determines that the student has shown mastery of the idea and allows moving ahead to the next concept. Each child learns at a different pace, with some progressing rapidly and others needing more time. The Kahn Academy model is the very definition of "No child left behind." The critical thing is, short of a mental disability, your kid isn't necessarily more brilliant than other kids. They're forced to not learn.

Back when I started this post literally years ago Kahn was working with a public school and concentrating on mathematics with this reverse system. I found an article about it which I can't find now, but I do remember that the class he was working with was something like sixth-graders. One student really grasped math. She had advanced to Calculus in a very short period - a class I had to work hard to get into my Senior year of High School in the Prussian system. There were nine of us in that class out of about 200 Seniors. She was maybe 12 years old. But what struck me was a comment by one of her teachers: "How do we slow them down?"

We shouldn't, but that "teacher" should be fired. I refer you back to that quote from the Underground Grammarian.

Kids learn, as Dr. Mitra has found, when they are intellectually challenged.  They learn at different rates, as Salman Khan has exhaustively documented. And they generally learn best when allowed to collaborate in small groups, receive enthusiastic reinforcement from adults, and are otherwise left alone to teach themselves.  No wonder the teachers unions are afraid. They're pretty much not needed, and are instead an anchor slowing if not inhibiting not "education" but learning. The money thrown at "education" has no effect, but the education establishment constantly blames a lack of sufficient funding as the root cause of the failure of the education system, so more and more money gets poured down that particular rat-hole.


And where does that money go? Not into infrastructure, not into the classroom, certainly not into the pockets of teachers, no matter how good or bad they are, but into the pockets of an ever-expanding army of bureaucrats that "administrate" or monitor students for things like political correctness and diversity and tolerance. Like all government programs, failure means "throw more money at it."

In addition children need to be challenged and allowed to work with both their brains and their hands to learn useful skills.  That opportunity could come from access to "Maker Labs" now springing up, albeit slowly, around the country. Hopefully the growth of these learning centers will also be exponential. The problem here though is that such labs are expensive to establish, to stock and to maintain.  That money has to come from somewhere, and the Ruling Class has no incentive to provide that funding, given that it does not produce the dependable, uniform cogs they depend on.

So we have the opportunity to switch to a system that allows the maximum possible development of every individual, rather than producing those uniform, unthinking cogs our current system relies on, but who wants that? Instead the Ruling Class wants to perpetuate this forever:



          Three Things I’ve Learned About Starting Your Own Farm      Cache   Translate Page      

Image courtesy of Pixabay With so much focus on organic, free-range, and vegan products now, creating some sort of self-sufficient life for ourselves is one of those options that we seriously consider. After all, regardless of your age or generation, whether a millennial or a baby boomer, everything is getting more expensive so we think about…

The post Three Things I’ve Learned About Starting Your Own Farm appeared first on The Good Men Project.


          Génération(s)      Cache   Translate Page      

25€

Revue (broché). Paru en 07/2018

Génération(s)


Collectif, Adrien de Blanzy

Et si l'âge ne faisait pas tout à l'affaire ? On a beau nous segmenter en tranche d'âge, prétendre que les millennials étaient très différents et les seniors bons pour le rebut... il est probable qu'en matière de générations, les choses soient moins étanches que prévu. Les seniors seront bientôt les consommateurs à séduire en priorité et ont pris le pouvoir sur les nouvelles technologies, les millennials exhument des pratiques vintages et les MILF ne font plus scandale. Mais si vraiment on veut quand même parler de fractures... c'est du côté des manipulations de notre code génétique qu'il faut regarder. Il y aura les générations d'avant, et celles d'après... celles dont on a hacké l'ADN.



          Os millennials ganham modelo de negócios da Gigatron      Cache   Translate Page      

Gigatron cria modelo de negócio adaptado para geração millennials A geração millennials vem mudando a forma como o mercado se comporta. Transformação que se reflete inclusive, no campo profissional. Entre as características que essa geração possui, conduzir a carreira com a satisfação pessoal é praticamente lei. “Programa afiliado” não exige exclusividade nem trabalho semanal   ...

O post Os millennials ganham modelo de negócios da Gigatron apareceu primeiro em OverBR.


          JP Morgan goes after rich millennials, offering Sapphire users 60,000 points to sign up for checking      Cache   Translate Page      
JP Morgan is upping the ante for fans of its popular rewards program.
          JP Morgan goes after rich millennials, offering Sapphire users 60000 points to sign up for checking - CNBC      Cache   Translate Page      

CNBC

JP Morgan goes after rich millennials, offering Sapphire users 60000 points to sign up for checking
CNBC
J.P. Morgan Chase is upping the ante for fans of its popular rewards program. Credit card customers who open a new Sapphire bank account are eligible for a 60,000-point sign-on bonus, according to the New York-based bank. That's worth up to $900 when ...

and more »

          This is becoming millennials' favorite investment      Cache   Translate Page      
But is it a smart choice?
          Hear The 1975's New Song, 'Sincerity Is Scary'       Cache   Translate Page      

Earlier this week, The 1975 announced that its next album, A Brief Inquiry Into Online Relationships, will be released November 30. Because this is The 1975 we're talking about, the 15-track album will include one song called "The 1975" (the band's second track of that name, by the way) and a handful of tracks with vaguely-absurd, lengthy titles ("The Man Who Married A Robot / Love Theme" and "I Always Wanna Die [Sometimes]," for example).

Judging from the album's first few singles, Brief Inquiry promises to be an intriguing set of songs: "Give Yourself A Try" is quirky, twitchy self-help pop; "Love It If We Made It" is a mid-tempo, politically-driven cut where singer Matty Healy's delivery sounds more desperate than ever; "TooTimeTooTimeTooTime," meanwhile, is danceable, airy electro-pop about, among other things, the perils of texting.

As the album title might suggest, the songs are united by their attention to how we relate to each other in a time of DMs and selfies; read receipts and fake news; hashtagged social movements and the meme economy. The band's latest single, "Sincerity is Scary," takes this on, too.

Maybe being honest freaks Matty Healy out, but here, he dives headfirst into the kind of frequently deployed earnestness that positions him as a try-hard worth rooting for. Maybe a lyric like, "I'm sure that you're gonna say that that was sexist" feels like a cringe-worthy deflection — but then "why would you believe you could control how you're perceived / when at you're best you're intermediately versed in your own feelings" feels like a genuine moment of thoughtful reflection on social media surveillance, self-knowledge and the apparent communication breakdown this song exists within.

The chorus of voices on the song's refrain recalls some of the more touching moments on the band's last album, I like it when you sleep..., and the horns and synths that trickle in around, and eventually subsume, the track's steady drumbeat and piano riff make "Sincerity" the most exciting track of Brief Inquiry's releases so far.

If all that isn't enough to ponder, the band will also be releasing another album in 2019; Healy has said on Twitter that it will be called Notes On A Conditional Form.

Copyright 2018 NPR. To see more, visit http://www.npr.org/.

          JPMorgan offers 60,000 points to sign up for its new Sapphire bank account      Cache   Translate Page      
The perk, and the account itself, is part of the bank's ploy for wealthy Millennials.

          9 Examples of Great Word-of-Mouth Marketing      Cache   Translate Page      

For many companies, word-of-mouth marketing is all about using natural conversations to show off new products or services. Data from Hubspot shows that consumers talk about brands 90 times a week and 90 percent of customers will also trust brand recommendations from friends. This is even more effective with millennials, who rank word of mouth…

The post 9 Examples of Great Word-of-Mouth Marketing appeared first on ReviewTrackers.


          Generation Y: Der Mythos vom faulen Millennial      Cache   Translate Page      
Entgegen manchen Klischees sind junge Menschen heute nicht freizeitverliebter als ältere Kollegen. Auch Geschäftsreisen sind nicht so unbeliebt wie gedacht.
          Olay’s Latest Influencer Campaign Is a NYFW Runway Show      Cache   Translate Page      
It's the latest in a series of influencer campaigns designed to make the brand more relevant to Millennial consumers.
          Comment on RedTube Translated for Millennials. Introducing RedTube Emoji! by Software Kasir Toko      Cache   Translate Page      
Hey there. I found your website by way of Google at the same time as looking for a similar matter, your website got here up. It seems to be great. I've bookmarked it in my google bookmarks to visit then.
          Jóvenes construyendo el futuro: el plan de AMLO para los millennials      Cache   Translate Page      
Jóvenes construyendo el futuro: el plan de AMLO para los millennials
          How The Skimm founders are inspiring Millennials to get out and vote       Cache   Translate Page      
Skimm co-founders Danielle Weisberg and Carly Zakin explain to CNN's Boss Files why they set out to use their daily newsletter, with more than six million subscribers, as a way to get young voters to the polls.

          Marketing to millennials      Cache   Translate Page      

Ross Jackson – Senior Marketing Manager, Royal London Millennials are a scary bunch aren’t they? They’re more demanding of businesses that they deal with, are less loyal to brands, and have a much higher level of digital understanding than previous generations. And while those sweeping generalisations may all be true, they’re just another segment of potential […]

The post Marketing to millennials appeared first on Money Marketing.


          Insight TV belooft millennials superscherp beeld, actiesport  en influencers      Cache   Translate Page      
De eerste 4K UHD (tv-)zender is vanaf vandaag in Nederland te zien.
          Is the Tenure of the AR Picatinny Rail Ending?      Cache   Translate Page      
John J. Woods Magnolia Outdoor Communications IS THE TENURE OF THE AR PICATINNY RAIL ENDING? Even the new corps of millennial shooters that are still...
          Students Convince University to Transform Meat-Centric Eatery into Vegan-Friendly Hub      Cache   Translate Page      

Student demand for plant-based food options has led the University of Waterloo (UW) in Ontario, Canada, to reformulate the menu at on-campus restaurant Frsh. Once an eatery that served animal-based dishes, Frsh reformulated its menu this fall and now offers flatbreads, salad bowls, and hot bowls, and allows students to customize meals by choosing vegan cheese, sauce, and protein such as pulled jackfruit, candied tempeh bacon, or smoked tofu. Only a few optional dairy-based toppings, such as cheese, yogurt, and pesto, remain. “We meet with [students] regularly throughout the year and there’s always more requests for vegan and vegetarian foods,” UW Executive Chef Gordon Cooledge said. “So, we said, let’s make a place that’s dedicated only to vegan and vegetarian so it’s always reliable, they know they can go there and get it any time.” The new Frsh menu is also supported by the university’s sustainability office. “We’ve looked at lots of research and the data behind it,” UW Sustainability Manager Mat Thijssen said, “and the environmental impacts of a plant-based diet—versus a meat-based diet—are far better.” The initiative follows a study conducted earlier this year by Dalhousie University in Halifax, which revealed that 40 percent of Canadians who identify as vegan or vegetarian are under the age of 35.


          Apple is the most popular stock among millennials after its big iPhone event      Cache   Translate Page      
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          Millennials and Mainframes: How to Bridge the Gap      Cache   Translate Page      
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          Asian millennials prefer e-payment convenience      Cache   Translate Page      
E-payments are emerging as the go-to method of payment for time-pressed Asian consumers, says data and analytics firm GlobalData.
          Finance - Millennial investors have been piling into Tesla amid all of its executive departures      Cache   Translate Page      
Tesla is still one of the most popular stocks among millennial investors despite its recent executive departures. Tesla was the second most-added stock on Robinhood over the...
          JPMorgan offers 60,000 points to sign up for its new Sapphire bank account      Cache   Translate Page      
The perk, and the account itself, is part of the bank's ploy for wealthy Millennials.
          Sonha em dirigir um Porsche? Empresa oferece aluguel a US$ 269      Cache   Translate Page      

INFOCHPDPICT000070528418NOVA YORK — A Porsche está ampliando seu leque de alternativas ao modelo tradicional de propriedade de veículos, criando programas que miram os americanos mais jovens que trocaram o carro próprio pelo Uber e outros aplicativos de transporte. A fabricante planeja oferecer locações diárias ou semanais de seus famosos carros esportivos de luxo aos motoristas de Atlanta e, também, o compartilhamento de veículos em São Francisco e Los Angeles por meio de uma parceria com a startup Turo, uma plataforma para pessoas que queiram alugar seus carros.

LEIA TAMBÉM: Porsche produz modelo 1998 zero-quilômetro

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CONFIRA: Carro usado no casamento de Meghan e Harry será fabricado em série

O serviço de locação de curto prazo em Atlanta, chamado “Porsche Drive”, se baseia no programa de assinatura lançado pela empresa na cidade no ano passado. A iniciativa permite que os consumidores passem quatro horas dirigindo um Macan, um 718 Cayman ou um Boxster por apenas US$ 269. Quem estiver disposto a desembolsar US$ 2.909 pode ser “dono” de um 911 por uma semana. O preço inclui, é claro, um serviço de concierge que entrega o veículo ao cliente em até duas horas.

A Porsche, de propriedade da Volkswagen, tenta seduzir jovens millennials e até os da geração Z, cujos hábitos vêm sendo moldados pela economia transitória construída por Lyft, Uber e Airbnb. E não é a única a adotar tal estratégia. No início do ano, BMW e Mercedes-Benz iniciaram programas de assinatura de carros nos quais os clientes têm acesso a vários veículos, somando-se à Cadillac, da General Motors, que lançou o serviço de assinatura “Book” em janeiro, e ao “Care by Volvo”, que combina locação, seguro e manutenção em uma única parcela mensal.

“Queremos oferecer alternativas no modo como as pessoas vivenciam a emoção de dirigir um Porsche”, disse Klaus Zellmer, chefe da Porsche Cars North America, em um comunicado. “Os consumidores querem opções dentro de um espectro que vai do acesso à propriedade.”

Programa especial ensina como dirigir bem

Por meio da parceria com a Turo, apelidada de “Porsche Host”, proprietários de carros Porsche da costa oeste dos EUA que já participam da plataforma de compartilhamento poderão visitar a pista de testes da empresa, em Los Angeles, e aprender as especificidades do ato de dirigir. O programa começa em 8 de outubro.

A Turo tem 288 mil anúncios de carros em seu website e quase oito milhões de membros. A empresa opera em 56 países e em todos os estados dos Estados Unidos, com exceção de Nova York. A Porsche foi a quarta marca mais buscada na Turo nos últimos três anos, atrás de BMW, Tesla e Mercedes, segundo a startup.

Muitos usuários são apaixonados por carros que usam o serviço, e podem fazer um grande test drive antes de fechar uma compra. Além disso, a plataforma permite que as pessoas, antes de fazer uma compra, dirijam modelos mais caros alugando o próprio veículo alguns dias por mês, explicou Steve Webb, porta-voz da Turo:

— Quando lançamos o serviço, em 2010, a maioria das fabricantes pensava que ele prejudicaria as vendas. Mas é o contrário, a propriedade fracionada pode permitir que mais pessoas tenham carro.


          Millennials Want to Buy a Home More than Saving the World.      Cache   Translate Page      

TMS study reveals the home ranks higher than falling in love and buying/leasing a car.

(PRWeb September 13, 2018)

Read the full story at https://www.prweb.com/releases/millennials_want_to_buy_a_home_more_than_saving_the_world/prweb15761331.htm


          Find work you love with these humanities degrees      Cache   Translate Page      
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Millennials today are wild about the freelancing life. These creative side hustles dull the monotony of the office job and to put meaning into the degree they worked so hard to achieve. With a Deloitte report finding that 80 percent of respondents were unhappy with their work, it’s no surprise that self-help books on how... Read more »

The post Find work you love with these humanities degrees appeared first on Study International.


          #TuneBackThursday: Naeto C – The King Of Urban Pop Slangs      Cache   Translate Page      
Those who know music would agree that Neato C has immensely added to the Nigerian Hip Pop and Pop culture. Apart from his rap prowess and evergreen music, he popularized some slangs that were instilled on the lips of almost every Nigerian millennial. Let’s not forget that he also popularized wearing the Aboki cap on […]
          How to Tip (in Unusual Portland Situations)      Cache   Translate Page      
by Suzette Smith

In Portland, we tip. We tip a dollar on a coffee. We tip a dollar on drinks (more if it’s a cocktail!). I tip a dollar when a barista hands me an untoasted bagel, no joke. Every Portlander holds a healthy, respectful fear of service staff—after all, most of us have been there. A good rule of thumb is always tip 20 percent, but here’s a guide to some unconventional tipping situations you may have not considered.

Drag Performers

My wide-eyed ignorance on how much to tip drag performers is the whole reason I started researching tipping. Did I not see those crumpled up $1 bills soaring over my head? A dollar a song is the norm, but if you’re up front you should tip more. Local DJ and drag night organizer Buckmaster puts it this way: “Tip if you see something you like. Tip if you see something you’ve never seen before. Tip if you see something you could never do.”

Strip Club Dancers

It always seems like people who need to learn the most about strip club etiquette are never the ones reading etiquette books in Powell’s. There’s a lot of nuance to each individual club, but the hard and fast rule of strippers and tipping is: Don’t sit by the stage if you aren’t going to tip. Also, if your friend is sitting at the stage and you’re there too, you should be tipping. People always say a dollar a dance, but those sound like ’80s punk show prices to me. It’s 2018 and you should be tipping more. Try not to leave the stage during a performance (rude!) and if you have to leave, leave a few bucks on the stage.

Sushi Chefs

Sushi is expensive. We know that. When you go to a sushi place and start ordering fancy rolls, you should tip both the sushi makers and the wait staff. At my standard sushi places I’ve already asked the waiters if they tip out the chefs and they do, so I just tip a little more. If I’m sitting at the bar and receiving service from the chef I’ll often throw a few dollars in their tip jar. Plan for 20 percent to waitstaff and at least 10 percent to chefs. I know that’s a 30 percent gratuity, but it’s sushi. You knew going in it wouldn’t be cheap.

Holiday Tips

Millennials, my millennials! You are supposed to tip your home mail carrier and your regular delivery people (newspaper, weed guy) during the holidays. $20-plus is standard. Do you get a lot of packages at work? Maybe you should think about that this year.

House Cleaner / Housekeeping

Hotel staff get at least $5 in the little envelope, depending on how long you stayed and how messy the place is. A one-time house cleaner should be tipped somewhere between $10 and 20 percent of the total bill. Your regular housekeeper can be included in holiday tipping.

Tattoo Artists

Budget $20 an hour on top of the total price. If the artist designed the tattoo, pay them more. Think about it, there’s a finite amount of space on your bod. Why cheap out on your tattoo artist? I only have one tattoo and I didn’t know to tip. But all my friends yelled at me afterward, so I sent the tattooist a check for 25 percent, and an apology for my ignorance. In hindsight, I should have tipped more because—though I went freshly showered—the cat dander on me set off his allergies. Uhhhh... (gets out checkbook)... BRB.

Body Piercer

Twenty percent is the standard, but Mercury art director Kathleen Marie says, “I’ll tip $10 on a $40 piercing.” Much like tattooing, there’s a finite amount you’re likely to get pierced. Why scrimp on it? This person is sticking you with a needle. Show some appreciation, dammit!

Gas Pump Attendants

People of Oregon, tip your gas attendant! These jobs are not enviable. You have $2 to $3 for these people. And for those who really rock it? Give ’em $5.

Weed Delivery / Grocery Delivery

Delivery people get $5 now, and more if the order is huge or heavy. More if it’s bad weather. If you don’t like it, then go get it yourself.

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          I went inside the NYC napping lounge where people are paying up to $250 a month to nap in dark, private pods at any time of day — here's what they look like      Cache   Translate Page      

Nap YorkHollis Johnson/Business Insider

  • A wellness center in New York City aims to "recharge the people who power the world" by giving them a space for an important activity: napping
  • Nap York is a 24-hour facility in midtown Manhattan that lets people drop in to sleep in pods, from a 30-minute power nap to a multiple-hour slumber session designed for travelers who have layovers at one of the nearby airports.
  • Visitors can pay $15 for a 30-minute nap or up to $250 a month for a membership that includes five naps per week. 
  • Studies have shown that naps improve immune healthenergycognitive function, and emotional control.

 

A few blocks from Times Square, in the middle of one of New York City's busiest neighborhoods, sits an urban oasis where sleep-deprived New Yorkers can swap their shoes for slippers, drink a cup of tea — and take a nap. 

That's the idea behind Nap York, which opened in February, offering 30-minute naps in sleep pods for $10. Seven months later, prices have risen slightly to $15 for half an hour, and there are additional options for monthly memberships. 

For $35 a month, you can pop into Nap York for one 30-minute nap per week. The priciest membership is the $250 a month Gold Premium, which includes five naps — up to 90 minutes each — per week. You can also book a longer nap that starts at 3 hours for $50 with each additional hour for $7. Visitors can also take a shower, get a massage, or relax in one of the hammocks on the roof.

Reza Moreno, community director for Nap York, told Business Insider that a large chunk of their visitors are travelers who need a place to sleep for a few hours during their layover at a nearby airport.

But Nap York is not a hotel, she stressed. Visitors can't book multiple long sleep sessions in a row.

"We just give the convenience for those who literally just need a place to bonk out for the night," Moreno said.

During the day, Nap York sees office workers who pop in for a half-hour power nap on their lunch breaks. In the summertime, some sweaty New Yorkers even dropped by just to take a shower before a business meeting.

Here's what it's like inside Nap York. 

Located in Manhattan's bustling Midtown neighborhood, Nap York calls itself "your 24/7 oasis in the middle of the Concrete Jungle." When I got there, I tried to peer in the windows but they were obscured by dark curtains.

Hollis Johnson/Business Insider

Source: Nap York



Nap York has had about 8,000 people come in for naps since it opened in February, according to Moreno.

Hollis Johnson/Business Insider

Source: Nap York



When you step inside, you're greeted by screens that display the various nap and membership options available. There are also several large plants, which instantly hooked me as a stereotypically plant-loving millennial.

Hollis Johnson/Business Insider

Source: Nap York




See the rest of the story at Business Insider

See Also:

SEE ALSO: A productivity expert says coffee naps — 'nappuccinos' — changed his life. Here's how.

DON'T MISS: Forget $40 fitness classes — now a tech startup is asking rich people to spend $1,500 plus monthly fees on a mirror to stream workouts directly into their homes


          Is buying a house a better investment than the stock market? We did the math, and the answer is clear      Cache   Translate Page      

home for sale

  • Owning real estate is often the biggest financial commitment someone will make, while investing in stocks is generally a key component of building wealth.
  • Using data from the Federal Housing Finance Agency and Yahoo Finance, we compared housing prices and stock prices over the past couple of decades.
  • In that time, stocks have clearly had higher returns — but there are a few caveats.
  • This is a simplified comparison meant to reflect on past performance. The best decision for your money depends on your individual circumstances and needs.

Home ownership is one of the biggest financial commitments most Americans will make, while investing in stocks is widely seen as a key component of building wealth.

We decided to take a look at how housing prices and stock prices have fared over the years.

Using house-price indexes from the Federal Housing Finance Agency and prices for the S&P 500 from Yahoo Finance going back to 1991, we looked at how the two compared at various times in the past 27 years, as well as how housing prices in some of the biggest cities in the US have fared against stocks.

In most cases, stocks have outperformed housing prices over the decades, as a nine-year bull market continues to roar.

It's worth noting that this is a very simplified comparison. Stocks and houses are, of course, two very different types of investments. Home ownership comes with property taxes and upkeep costs, but also provides the key service of being a place for someone to live that stocks clearly do not. Stock ownership can involve brokerage and other fees.

Further, stock prices tend to be more volatile over time than housing prices. While it is possible to accrue great riches in the stock market, it's also quite possible to lose it all. Housing prices have tended to rise more steadily over time, but as the mid-2000s housing bubble and subsequent bust showed, that increase is far from guaranteed.

Given those caveats, here's how two of the most important financial markets for ordinary Americans have evolved over the past three decades.

SEE ALSO: Here's how much the typical millennial, Gen X, and baby-boomer worker earns in every US state

DON'T MISS: Here's how much you would have made investing $1,000 in Facebook, Amazon, Netflix and 19 other major companies back in the day

Since the start of the FHFA series in January 1991, stocks have dramatically outperformed housing prices.

Even with the dot-com crash and the stock-market crash in the wake of the financial crisis of the late 2000s, the cumulative gains in the stock market since the beginning of the 1990s have resulted in a gain of over 700%, while housing prices have increased 164% in that time.



But timing matters. Starting at the top of the dot-com bubble in September 2000 leads to a narrow edge for housing prices.

Housing prices are up about 85% while stocks are up 79% since September 2000, when the stock market peaked during the tech bubble.



Buying at the post-tech-bubble bottom for the stock market had the opposite effect.

Housing prices are up 60% and stocks are up 233% since October 2002.



See the rest of the story at Business Insider
          Millennials are flocking to these neighborhoods in New York      Cache   Translate Page      
According to this week’s market reports, retail construction in the US dropped 14.8 percent in the second quarter and two New York City zip codes ranked in the top five in millennial population growth. Residential Top Trending Millennial Zip Codes | RentCafe Battery Park City and Lincoln Square ranked in the top five in the country in terms of zip codes with the highest millennial population growth. Battery Park City placed third in the survey […]
          Dreaming Of Early Retirement? Here's What It Takes      Cache   Translate Page      
Arielle O'Shea, NerdWallet
A study shows millennials expect to retire when they are 56. That's possible with planning and sacrifice.
          What Kids of the Great Recession Think About Money Today      Cache   Translate Page      
Jill Cornfield, CNBC
From student debt to mistrust in financial institutions, millennials felt the crash as much as adults.
          Here's How Your Unique Behavioral Psychological Profile Is Being Used to Manipulate You      Cache   Translate Page      
Emmy Award-winning director and activist Josh Fox traces the arc of propaganda from 9/11 to Trump.

Opening with one of the key questions of our time, How do we know what's true?, Josh Fox, the Emmy Award-winning and Oscar-nominated creator of the documentary that started the anti-fracking movement, Gasland, traces the arc of propaganda and misinformation from 9/11 to Trump from the perspective of the front lines in his debut book and new solo performance, "The Truth Has Changed" (Seven Stories Press, 2018). From 9/11 and the Iraq war, to fracking and the BP Deepwater Horizon oil spill, to Hurricane Sandy, to relentless smear campaigns against climate scientists, to the fight for 100 percent renewable energy, to Standing Rock, to the 2016 presidential campaign, to Cambridge Analytica, "The Truth Has Changed" mines Josh’s personal experiences to examine their impact on democracy and on the collective psyche of the United States.

The below excerpt, "The Ocean Inside You'," is from "The Truth Has Changed," the new book by Josh Fox, published by Seven Stories Press on September 11, 2018. Fox's solo performance, also called The Truth Has Changed, will tour nationally this fall to 40 venues in 23 Congressional districts. For more information,visit www.thetruthhaschangedtour.com.

In 2014, a young grad student from Warsaw named Michal Kosinski and some friends at Cambridge University’s Psychometrics Centre made a huge discovery. He could map your precise behavioral psychological profile to Facebook based on what you “liked.”

In the field of behavioral psychology, psychometrics are behavioral characteristics that can serve as predictors. Who you really are deep down and how you are going to behave. They are like currents in the ocean; you can see how something or someone is going to flow.

In fact, the acronym for the basic psychological traits that make up every human is OCEAN. O-C-E-A-N. As it turns out, you have an ocean inside you, and it tells us a lot about who you are. O for openness. How open are you to new ideas and to the world? C for conscientiousness. How meticulous or anal are you? E for extroversion. How much do you like people—how outgoing are you? A—agreeableness. How considerate are you and cooperative? And N, my favorite, neuroticism. How much are you an anxious, worried wreck? These five traits can give us your intimate psychological portrait.

But what Kosinski figured out was he could take behavioral psych data and plot it up against Facebook.

He developed something called the “My Personality App.” And just for kicks, just for fun, he got some of his friends to fill these questionnaires out. First a few hundred, but it went viral and hundreds of thousands of people filled them out. Kosinski matched that questionnaire data up against people’s Facebook profiles. Facebook told him what kinds of things we liked or didn’t like. And Kosinski mapped your OCEAN personality against your Facebook personality. And voilà, he could tell what your psychometric personality was from looking at Facebook alone. You no longer had to divulge your personality secrets. Facebook betrayed them for you. And he started to be able to predict people’s future behavior based on that model. He famously said, “If I know 70 of your likes on Facebook, that’s enough to outdo what your friends know about you. If I know 150 likes that you clicked on Facebook, I know you better than your parents know you.” And at 300 likes, Kosinski intimated, the algorithm knows you better than you know yourself.

The day comes, he publishes his results and he gets two phone calls. A threatened lawsuit and a job offer, he told a German magazine, both of them from Facebook.

Now your personality is in the matrix. You are telling your story to it.

And Google does this, too.

We knew already that Google was targeting certain people in certain areas. It’s called addressable-ad technology. But don’t forget, Google knows everything you are searching for. What you know, what you don’t know, and what you want, on an intimate level. And you buy your quest. With your credit card and all that data, the algorithm is being tipped off to all the things that you personally crave.

How deep is the ocean? What can it predict?

It’s a trope in marketing, it goes like this: “If we get them when they’re six months old, we have them as customers for life.” So Target, the superstore, actually created a program to predict which of its customers were pregnant, to market to them while their offspring were in utero. The story goes that based on their Google search data Target sent maternity guides to this one house in Michigan, and the father in the house went ballistic. He assaulted his local Target’s manager, waving these maternity brochures in the air, saying, “Why are you trying to convince my daughter, who is only seventeen, to have babies?” And a few weeks later, he calls up and says, “I’m so sorry. I didn’t realize. She was already pregnant.” Target knew this seventeen-year-old was pregnant before her dad did, based on her Google searches.

How deep is the OCEAN? Will it tell you no lies?

What kind of person are you? What kind of Democrat or Republican are you? Well, somehow, Cambridge Analytica got hold of the model, and harvested data from hundreds of millions of people, and started to use it to target specific, political messages to specific people. Do you remember when I got different Google results in Pennsylvania than in New York? This was as if every single person’s politics were being revealed by where they were, who they were, and what they were like on the inside.

This is based on you. Every single piece of information filtered through your personal algorithm. Your IP address, your Facebook feed. The men behind the algorithmic curtain can determine what you see and then profoundly influence what you do. And this has developed faster than the speed of morality.

Facebook actually had a way that advertisers could target certain things to certain races. If you were advertising an apartment on Facebook, you could specify that only white people—no black people—could see those posts. Twenty-first-century Jim Crow. And no one would know. Maybe that was the point.

It goes much further than even that. Every single major corporation is amassing this data. So that they can tailor what you see online specifically to you.

There are at least nine companies in America that have and sell this data. Have you heard of these companies?

Corelogic, Datalogix, eBureau, ID Analytics, Intelius, PeekYou, Rapleaf, Acxiom, and Recorded Future. They’ve heard of you! They know you better than you know yourself. And they’re selling your data. Every time you click those terms and conditions, every single time, you’re letting them into your Internet DNA.

They’re making reports on you all the time. Because, on one level, your cell phone is a constantly evolving, deepening, more and more profound psychological data test that you’re filling out all the time. Everywhere you go, everything that you buy, everything that you do, you’re leaving psychological tracks. Every one of your movements in the real world and the cyber world.

You are a constant cascade of statistics flowing through the machine.

And you are in a box, a category. Are you a “Millennial weekend psychopharmaceutical user?” Or a “Homebound thrifty senior who posts about cats and the environment?” Are you “New Age/organic lifestyle with patchouli on back order from Etsy,” or “Biker/Hell’s Angels into ’80s TV memorabilia?” “Member of five or more online shopping sites,” “people with pellet stoves,” “hypochondriacs that book doctor’s appointments after doing a lot of medical googling,” “those who have credit at a low-end grocery store,” “collectors of fetishistic Elvis tchotchkes”?

On and on. Household, race and ethnicity, surname, method of payment, number of orders, loans, financial data, presence of an elderly parent who is over seventy-five, presence of young children in the household with Xboxes, employed, white collar, unemployed, blue collar, work at home.

Three kids in after-school athletics searching for plane tickets to South America alarm set to wake up at 5:30 snoozes three times every morning has two weeks off a year . . .

Early pregnancy termination, watches John McCain speeches, old Marx Brothers movies, texts and googles at the same time, seventeen years old ordering acne medication . . .

Mole removed from left side, speaks Chinese, fender bender 9:45 p.m., types sixty words a minute, skin cancer screening in three weeks, reads Danielle Steel and The Da Vinci Code . . .

Searched cul-de-sac, Amy Schumer, Chuck Schumer, Sasha Grey, pinot noir discounts, stays up late looking at pictures of homemade aircraft, Connecticut, $66K a year . . .

Buys toilet paper online and lesbian S and M porn while searching eHarmony for extramarital affairs. We know you. We know you. Heavy whiskey drinker, donates to animal rights causes late at night, watches penis enlargement videos, assault rifles, drives a ’99 Hyundai, sexts with coworkers, four kids, divorced, pro-fracking Kasich voter, leaves the house at 1 a.m. to go to the strip club on Route 97 three to four times a week, lost ten teeth to infection, twenty-three, one credit short of college graduation, purchased yoga pants and yoga mats, googles yoga classes but doesn’t sign up, two cats named Stanley and Blanche, underweight, on Tinder, studio apartment, waxes legs, texts over one hundred times a day, hair products, $16K a year.

We know you, we know you. We know what you dream about doing, we know what your sexual fantasies and insecurities are, we know your biases, we know your insides. What you think you are doing in private you are doing in front of all of us, all the time. All the things you regret. All the things you are proud of. What you post, what you promote, what you believe. We know you. We know you so well.

We spend all our time obsessing about you. Perfecting your personal algorithm to sell you to the highest bidder.

You’re not just 70 percent water and tissue and a bag of bones, you’re an open ocean of information.

The data swarms and dives like Niagara Falls.

Cambridge Analytica has amassed four to five thousand data points on every adult American.

And Alexander Nix, the head of Cambridge Analytica, famously came out, just a few weeks before the election, and announced that Donald Trump was using their services. Trump canvassers in Michigan and Wisconsin would go from household to household. Now, they didn’t just know your political leanings or party affiliation. The app told them who you were psychologically, with suggestions on how to tailor the conversation to the personality types of their target voters. Real, live addressable-ad tech. The app told them who you are, not just demographically—psycho-graphically. Trump and Cambridge Analytica knew you better than you knew yourself.

The demographic river that is flowing toward the Democrats—dammed and rerouted.

So on Facebook they could target ads against Hillary Clinton specifically pointed at black men only, and no one else would see them playing up that Hillary was a racist. Facebook even created a specific search pegged to the words “Jew hater.” But unless you searched for or were a Jew hater you couldn’t see it. These are called “dark posts.” And they could manipulate your Google searches.

Don’t like that? Too bad. The Internet is doing that to you every day. Four to five thousand data points on every American.

The Internet knows your sickness, but it doesn’t give you a cure. A collective cure. It gives your disease right back to you. Like an addiction, you get your mirror, falling toward you.

In fact, in the future, most newspaper articles will be written by machines. AI is already writing a lot of what you see in the newspaper. But it will be cheaper for AI to write five thousand stories that go to five thousand subscribers than for a publisher to pay one journalist who can write one that’s actually true. It will say something like, “You remember that it was cloudy on the day of your graduation, well, the Trump administration is facing similar storms this week . . .” That kind of thing. FAKE NEWS FOR YOU! FAKE NEWS FOR YOU! EVERYBODY GETS FAKE NEWS! A fake story for every “real” you!

CLIMATE CHANGE IS A HOAX! John Podesta likes to have sex with young boys and code word “pizza”! Or GASLAND is a LIE and EVERYTHING JOSH FOX SAYS IS UNTRUE.

In certain places on the Internet, that IS what is true.

You won’t find the New York Times or Washington Post, actual journalism, until page four of your Google search. Buried wayyyyy down at the bottom. Real journalism sunk with an algorithmic Corexit to the bottom of the feed.

This is the balkanization of truth.

The psycho-crats have taken over.

But when Alexander Nix announced that he was helping Trump, he also said something that has implications far, far beyond any one election, any one political moment. He announced that in the future, our children will not understand the concept of mass marketing/mass communication. No more universal stories, you know? Every piece of data is going to be specifically targeted at you.

In the future, each of you will get your own slogan.

No more, as Shakespeare wrote about the theater, “all our minds transfigured so together.”

This is the new narrative. You get you, over and over again. Like the corporation speaking to you out of the mirror.

And let me tell you, the truth here is that we did this to us. This was Facebook, this was Google, this was American. And there is nothing that the “Russians bots” did that multinational oil companies haven’t been doing for more than a decade. We created a universe in which your truth is yours only. Steve Bannon, Robert Mercer, Americans.

You see only what they want you to see, which is what you want you to see. You are perpetually stuck up there at three thousand feet, the oil and toxicity floating on the OCEAN just looks like pretty sunshine lapping at the waves. You can’t see the toxicity.

You see, 9/11 was a shared event. It happened to all of us.

These people know YOUR 9/11, whatever it is. They know if that girl rejected you in the eighth grade. They know if you’re an angry white man, or a neurotic Asian woman. They know your wounds. They know your trauma. They know your scars.

They’re counting them. And they tailor that message to your vulnerability exclusively.

So what Steve Bannon and Andrew Breitbart did to me when I toured GASLAND, Cambridge Analytica, through Google and Facebook, figured out how to do to 200 million people. A smear campaign against reality itself.

I know, I was one of their beta tests. Look what they are doing to the Parkland kids now.

No longer the crude, costly method of tailing a single person around the country. Now they could get your intimate details, group them, advertise to them. It is as if they are following you around. Following millions of people around. Harassing your psyche. Learning your weaknesses, putting you through the wringer. A fear campaign aimed at everyone and everything, the fears that can push the electorate to where they want it to go.

Climb. Climb. Climb.

The Industrial Age left 150 years of pollution in the ground and centuries of CO2 and methane in the atmosphere. Pools of toxic chemicals in the actual earth, underneath the crust. To take all of that toxicity out, 150 years’ worth of toxicity, is probably going to be impossible.

But, you see, this is another level of pollution. Digital pollution. Toxic data everywhere. Remember that guy who drove all the way from North Carolina with an AR-15 and burst into the pizza place and shot it up, yelling, “Where are the kids?!” That’s the toxic cyber world invading the real world.

The cyber world is its own cyber truth. It may not have any relationship to analog truth. That’s a world where climate change really doesn’t exist. It’s a whole planet on which science is irrelevant.

And when the truth is lost in the cyberstorm, the men behind the algorithmic curtain get what they want. And right now, they’re winning.

First it was the election in Kenya in 2013. Then the Ukraine in 2014. Then Brexit. Then Mexican elections, Brazil impeachment, Malaysian and Australian elections. Cambridge Analytica’s hands across the world. And then, in that wilderness of mirrors, that haze when all of our individual truths pushed us into different corners of reality, America elects a racist, authoritarian, anti-science, climate-change-denying Cheeto.

And yes, one Saturday night at the stroke of midnight, Facebook, in the ultimate gesture of shutting the barn doors after the horses have run away, banned Cambridge Analytica.

But what you didn’t read in the New York Times is that Cambridge Analytica has had a contract with the State Department since March 2017. A year. The objective: to influence elections in dozens of countries around the world. A year’s worth of psychographic training.

Is Facebook going to kick out the State Department?

Then, in March 2018, Cambridge Analytica announced to the world that they were bankrupt and closing their doors. In the same month, however, practically the exact same board of directors and investors formed a brand-new company with the same mission. Emerdata.

Because long after the theatrics and the bad acting of Zuckerberg and Congress, these tools of influence will remain. They’re like the bomb. Part of our lives now. Of course, they want you to forget about them. They’re more effective that way.

Presidents may come and go, but the data is unimpeachable.

How do you know what’s true? How can you differentiate between a progressive-sounding Russian troll saying, “You’re using Russians to avoid looking at America,” from a progressive-sounding American troll saying, “You’re using Russians to avoid looking at America”?

And who gets paid better per hour? Isn’t that the whole American dream right there? Hope looking out on the horizon? And now, our heads forced down, staring, like Narcissus, at our own reflections in the palm-sized liquid crystal pools where we drown.

     

          Comment on Is there a local political news bias? by Change is gonna come      Cache   Translate Page      
<i>"Its not cyclical. It seems permanent."</i> It's not cyclical. It's <b>not</b> permanent. By every objective measure the Republican party is a party in decline. Brookings, July 2017 - <b>Millennials will soon be the largest voting block in America</b> <blockquote>It turns out that the 2016 election was historic in more ways than one. A report released today by the Pew Research Center shows that for the first time ever, Millennial and Gen X voters outnumbered Boomers and older voters, 69.6 million to 67.9 million. This gap will only widen in future elections: death and infirmity will steadily thin the ranks of older cohorts while rising turnout rates among younger voters will continue to swell their share of the electorate... ..In the long run, this is worrisome news for Republicans. As of last November, fully 55 percent of Millennials identified either as Democrats or as Independents who lean Democratic. Given their liberal attitudes on social issues and experience-based openness to immigrants from other cultures, the first six months of the Trump administration are unlikely to have shifted their preference toward the GOP. Within the next decade, as their numbers and participation rates swell, Millennials will be the single largest cohort in the electorate.</blockquote> And again, Brookings (June 2018), looks at the empirical data of party affiliation and concludes - <b>Trump owns a shrinking Republican party</b> And, from the Washington Post (Dec 2017), there is more nuance to party affiliation than straight up D or R - <b>A lot of Americans spent 2017 bailing on the Republican Party</b> <blockquote>Last week, Gallup reported that the gap in partisan identity between Republicans and Democrats was 7 points — narrower than during the summer but still wider than it was at this point last year. In other words, the percentage of Americans who say that they are Democrats, or independents who tend to vote Democratic, is 7 percentage points higher than the percentage who identify as Republican or Republican-leaning.. ..“Democrats’ edge has expanded this year mainly because of a decline in Republican affiliation,” Gallup’s Jeffrey Jones wrote. “A year ago, 44% of Americans identified as Democrats or leaned Democratic, the same percentage as now. However, Republican identification and leaning is five points lower than it was a year ago.”</blockquote> Finally, from Pew Research - March 1, 2018: <b>Here’s how millennials could change politics</b> <blockquote>Just 27% of Millennials approve of Trump’s job performance, while 65% disapprove, according to Pew Research Center surveys conducted in Trump’s first year as president... ..<b>Millennials remain the most liberal and Democratic of the adult generations.</b> They continue to be the most likely to identify with the Democratic Party or lean Democratic. In addition, far more Millennials than those in older generational cohorts favor the Democratic candidate in November’s midterm congressional elections.</blockquote> Of course, it's all talk, all speculation at this point. We'll find our on Nov 6th who walks the walk.
          Gen X: Bridging the gap between Boomers and Millennials      Cache   Translate Page      
Gen X: Bridging the gap between Boomers and Millennials
          A Xunta subvenciona o 27º FIOT de Carballo, que exhibe 41 espectáculos co reto de incorporar ao público ‘Millennial’      Cache   Translate Page      

O Festival Internacional Outono de Teatro desvelou hoxe a súa carteleira completa e as actividades paralelas que se desenvolverán do 28 de setembro ao 31 de outubro

É un dos oito encontros escénicos apoiados este ano a través da convocatoria de axudas da Agadic para festivais profesionais
 




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