Next Page: 10000

          New Facebook friend request? It's your client      Comment   Translate Page      
Eighty-nine percent of millennials and 59% of Gen Xers say they are open to their advisors following them on social media platforms.
          Bosses should consider paid OE and four day working weeks to retain millennials      Comment   Translate Page      
New generation's focus on work-life balance could push businesses to pay for OEs and adopt a four-day working week.
          Under Employers' Gaze, Gen Z Is Biting Its Tongue On Social Media      Comment   Translate Page      
The post-millennial generation, known as Generation Z, is entering the workforce at a time when 70 percent of employers check social media during the hiring process.
           Comment on A Response to Jana Riess’s “The Next Mormons”: The Importance of Disentangling Data and Argument by Meg Stout       Comment   Translate Page      
Hi Bookslinger, Are you asserting that I am not aware of how culture changed? You mention my name in nominative case, then assert something about how someone is too young. We all swim in the waters of our time, often unaware that the circumstances we take for granted are not universal. On the other hand, the mission of the Church is helping redeem all living, so long as they themselves decide before final judgement to embrace Christ and our salvific performances on their behalf. Most those living will be persuaded by love rather than harsh correction. And too often we who harshly correct are misinterpreting some aspect of that which we criticize.
           Comment on April 2019 General Conference by Meg Stout       Comment   Translate Page      
Hi Roland, I emailed you directly, but I’ve been lazy and have not updated the reluctantpolygamist.com website to the latest edition, which is linked to my biographical sketch here (if viewing on a desktop browser). I had corrected the “Bur” typo, as well as updating the text to include insights from other scholars and adding a chapter to describe why we have remained unaware of the history I lay out. https://www.millennialstar.org/wp-content/uploads/2018/04/Reluctant-Polygamist-180528-proof.pdf
           Comment on April 2019 General Conference by Roland Henrie       Comment   Translate Page      
Meg, I'm sorry to do this but "contact" doesn't work on reluctantpolygamist.com. You can delete this comment after you read the following: In your book please correct the following typos: "Bur some of the women who became plural wives" "Marietta was the ward of Jared Carter, he of the two Kirtland homes and schemes to obtain a second wife." I really appreciate your work. I'm going to assume your theory is true (or that the truth is even better). I remember 2 other typos but didn't note any as I was reading. Yes, sorry, you will have to search for the above text. Thanks again for the research, time, prayer and thoughts!
           Comment on A Response to Jana Riess’s “The Next Mormons”: The Importance of Disentangling Data and Argument by Michael Towns       Comment   Translate Page      
Bookslinger: Amen! and Amen!
           Comment on A Response to Jana Riess’s “The Next Mormons”: The Importance of Disentangling Data and Argument by Bookslinger       Comment   Translate Page      
Back to ranting... What most people, religious and non-believers, but mainly non-believers, don't realize, is that fornication/adultery, both heterosexual and homosexual, is psychologically damaging. It is harmful per se, here in mortality, not just in some eternal/spiritual sense, or get-punished-because-God sense. To understand this, people need to first understand that psychologists (at least the ones who will speak to the media, or teach at uni level) have lied about sex, since at least 1972 (when the APA removed homosexuality from the DSM); that the news/entertainment media has been lying about sex for at least 50 years, and that _all_ of secular/mainstream academia has been lying about sex since at least 1985, and a good portion of academia has been lying for even longer. So, yeah, parents who didn't teach their kids that media and academia were lying to them about sexual matters lost many of them to secularism. (And parents who did teach the truth still lost some kids, too.) If you ask all the questions, and look at the obvious metrics I mentioned in my "How'd that sexual revolution thing work out?" post, it "should" (I hope) be obvious, in hindsight, to anyone with common sense that it didn't work out well. If someone accepts that, the next obvious and shocking realization should be: the media and academia have been lying for at least 50 years, and have been at the center of destroying the basis of civilization. Anyone who has bought into the social and sexual narratives of (mainstream) media/academia has been duped, and is doing.... pretty much what the enemy planned. IOW, or TL;DR-2, It's not the church's narratives that are wrong or harrmful, it's the media's and academia's narratives that are wrong and harmful. Whichever narrative one subscribes to determines your viewpoint.
           Comment on A Response to Jana Riess’s “The Next Mormons”: The Importance of Disentangling Data and Argument by Bookslinger       Comment   Translate Page      
Meg, yes, lots of convolution. One thing is often the stalking horse or cover-story for another. And every societal change or evolution usually has seeds in previous eras. Most of the time flow is river-like, not floods or tidal-waves. The enemy was successful in getting most of media/academia, the shapers of public opinion, the "narrative", to accept that a marriage was "just a piece of paper". And if it's "just a piece of paper" then why not give it to everyone? Civil RIghts/Equal Rights, and "legal rights", then became the stalking horse for SSM. The sexual revolution and then Gay Rights were pretty much directly upstream of SSM. ( The Civil RIghts, and Women's Rights movements were closely upstream too, but in a different tributary channel.) Therefore, to understand SSM, one must see the picture through a window that goes back prior to 1967. My memory of television news and talk shows goes back to at least 1963; kiddie shows a few years before that. Even as a kid I noticed the big changes of the late 60's. One of my peeves about the usual cast of pro-SSM Internet-Mormons, or pro SSM folk in general, (whether Ms Reiss is part of that crowd, I don't know) is that they actually don't understand the Sexual Revolution, and how the media, both news and entertainment, brought it about. They don't understand it because they didn't live through it, or were too young to observe. (You were too young in 1967.) I have a few years of TV memories, both news and entertainment, from pre-1967. IOW, society-wide sexual-libertinism is the water in which most people under age 58 always swam. I'm saying the whole water of Western Civ changed in that time-frame. Not in an instant, but 1967 ("Summer of Love") is usually the identifying time-point used to label the transition period, which lasted through the 70's. The Sexual Revolutionaries, or leftists in general, then went into academia, (and media) and were essentially totally running academia as tenured profs and adminstrators by the mid to late 80's. Once that happened, they had control of the young minds, if parents didn't work hard to counter it. (Wasn't control of academia and media part of the Communist Manifesto?) [ That's why nearly all millennials are liberal/left. The Left has had a near 100% lock on all academia since about 1985. (Again, like 1967, using 1985 as a label for a transition period, not an exact everything-happened-at-once date.) ] The sexual revolution, over that period, was a sea change. It swamped western civ. The mostly private shameful sins of a few became the public and proud sins of many. Of course fornication wasn't invented in 1967, but something big still happened, as the media brought about a huge change in the majority of public attitudes and public behavior, and what was publicly tolerated. Remember that societal change happens among the young first and grows by _replacement_. Individuals (mostly) don't change, they are _replaced_ as the oldest die off. Destroy the family (and their support system of churches) and then academia and media determine the mind-set of those replacements. Sure, it even goes back to the Enlightenment (1700's?). But the Sexual Revolution of the 60's was a watershed, if that word means what I think. Perhaps one has to have actually lived then and been old enough to consume mainstream media/entertainment to understand the magnitude of the change. Unless someone has been a serious student of that time frame, and gone back and watched lots of old tv programs, I posit that people born after, say, 1960, just don't get what really happened. "Blame" is the wrong word to use in the headline, but Pope-emeritus Benedict at least sees the connection, and how the 60's was the "inflection point" https://nypost.com/2019/04/10/former-pope-benedict-blames-churchs-scandals-partly-on-the-60s/ TL;DR, or bottom line: in order to understand what SSM is really about, ie its lies, it is necessary to understand the moral lies that immediately preceded it upstream: the sexual revolution of the 60's, and going forward at least to the point of the APA's political decision in 1971/2 to declassify homosexuality as a disorder. (Political, because it was not supported by a majority of members.)
           Comment on Mummies Unwrapped: New Discovery Channel Series to Launch in April by Bryce Bridges       Comment   Translate Page      
Senote Sac Uayum was clearly used for throwing people into and letting them drown. 50 feet of sheer cliff and no way of escaping. Could have been torture for our cast civilians or a sacrifice to the snake god. Maybe a revolt of “millennials” of their time, based on the skeletal age, wanted to make changes on what god they worship or overthrow the government. Maybe they were outsiders that they captured and treated as POW’s. Who knows, there are so many possibilities. Fact is, they were deliberately thrown in there alive, walked off the plank or were killed before being thrown in. Love the show but ur hosts kinda blew this one. Otherwise they do an awesome job! Will continue to watch and have fun thinking about possibilities of these cool places.
           Comment on Democrats wrong on Trump tax returns by Im Right       Comment   Translate Page      
I'm on the side of Republicans on the whole, but have never been a fan of Trump and his tweeting...but then again he is what he is! The Democrats were sooooo sure they would win in 2016 that the shock of it all is affecting their policy and overall craziness, if it were not actual real life it would be a poorly written soap opera. With the party's big swing to the far left and presidential candidates agreeing with any proposal/idea that the fringe elements come up with (AOC,s green deal amongst others) they are making themselves unelectable apart from snowflake millennials and immigrants, they are in for a big shock next year when Sanders or Warren is the nominee against Trump (I don't think Biden will get the nod) as the voters will get to see the actual cost and job number losses with the promoted socialist Democratic policy. Popcorn sales will skyrocket!
          Modesto’s Del Rio Country Club expands, seeks to attract millennials and families      Comment   Translate Page      
Country clubs long have been exclusive enclaves, conjuring images of smoke-filled rooms and gray-haired power brokers. But Modesto’s Del Rio Country Club wants to expand people’s idea of what a … Click to Continue »
          Notable Voices and the Week in Review: April 13, 2019      Comment   Translate Page      
Embracing Children, Healthy Churches, Mentoring Millennials, Great Commission Churches, and More
          Hans Nicolussi Caviglia, ecco chi è il millennial che ha sfiorato il gol in Spal-Juventus      Comment   Translate Page      

FERRARA – Seconda presenza in Serie A per il millennial della Juventus Hans Nicolussi Caviglia. Dopo aver esordito in campionato [...]

L'articolo Hans Nicolussi Caviglia, ecco chi è il millennial che ha sfiorato il gol in Spal-Juventus sembra essere il primo su Blitz quotidiano.


          Tidal Wave of Millennials Join Fight to Drain the Swamp (COS)      Comment   Translate Page      
The next generation of conservative leaders have been watching and waiting for a cause where they can make a tangible difference and be a part of history in the making. For years, they felt hopeless. But today, the scene looks very different. Ben Shapiro has teamed up with Convention of States to funnel his millions of young listeners into the fight to call a Convention of States. In a matter of weeks, tens of thousands of young activists have flooded into the movement, taking on leadership positions, and being trained to take back their power from Washington, D.C. These are...
          Tidal Wave of Millennials Join Fight to Drain the Swamp (COS)      Comment   Translate Page      
The next generation of conservative leaders have been watching and waiting for a cause where they can make a tangible difference and be a part of history in the making. For years, they felt hopeless. But today, the scene looks very different. Ben Shapiro has teamed up with Convention of States to funnel his millions of young listeners into the fight to call a Convention of States. In a matter of weeks, tens of thousands of young activists have flooded into the movement, taking on leadership positions, and being trained to take back their power from Washington, D.C. These are...
          New Facebook friend request? It's your client      Comment   Translate Page      
Eighty-nine percent of millennials and 59% of Gen Xers say they are open to their advisors following them on social media platforms.
          How to Overcome Millennial Anxiety       Comment   Translate Page      
EpisodeIf you were borne during the 80s and 90s you may agree with this quote: “Millennials are the generation that were sold a dream and are afraid to have to deal with a nightmare.” A recent study found that more than 50% of Millennials suffer from anxiety, trouble sleeping, and almost 30% have panic attacks. Some blame technology, lack of rest and bad eating habits for this surge in anxiety. Others believe that peer pressure, the unrealistic need to be special and the resistance ...
          Why the middle class is shrinking      Comment   Translate Page      
Fewer millennials in 2019 are middle class compared to baby boomers when they were in their 20s.
          La bellezza della diversità: i tiktokers italiani si sfidano nella challenge #insiemeperilsociale      Comment   Translate Page      
Tik Tok, il social network più utilizzato dai millennials, ha totalmente rivoluzionato il mondo web. Fino a qualche anno fa eravamo abituati a vedere sui social network foto di vita quotidiana o video di concerti ed eventi di grande rilevanza mediatica , mentre con l’avvento di TikTok nel 2016 e ancor prima con Musically, nel ...read more
          Millennials Love Their Socialism      Comment   Translate Page      

If one needed evidence of the gross ignorance of millennials, and their teachers and college professors, it’s their solid support for socialism and socialist presidential candidate Sen. Bernie Sanders. Socialism has produced tragedy wherever it has been implemented. Last year marked the 40th anniversary of nearly 1,000 Americans perishing in a mass suicide/murder in the […]

The post Millennials Love Their Socialism appeared first on Liberty News Now.


           Comment on Special Post – The Surprising Reading Habits of Millennials – The Expert Editor by Kathleen Bylsma       Comment   Translate Page      
Great news! Thanks for the information and graphs!
          Brand loyalty is dead. How does pet food get it back?      Comment   Translate Page      
With the brand-ambivalent millennials and gen Z making up a significant portion of overall pet owners, shifts in thinking are required to win their pet food business loyalty.
          Modi blasts Congress' 'anti-India' election manifesto      Comment   Translate Page      

Bengaluru, April 13 (IANS) In a strident attack on the Congress, Prime Minister Narendra Modi on Saturday termed its poll manifesto as being "anti-India" and playing with the future of the country.

"The Congress, if elected to power, has promised to change the Armed Forces (Special Protection Act (AFSPA) in Kashmir, which will weaken our fight against terrorism," said Modi at a massive BJP rally here ahead of the Lok Sabha 2019 elections's first phase in Karnataka on April 18.

Terming the Congress itself "anti-national", he alleged that the party that ruled the country for over 50 years was talking in favour of Pakistan by assuring in its manifesto of withdrawing troops from Jammu and Kashmir.

"The Congress wants to send our troops to the gallows by diluting the AFSPA and make the country's border porous by withdrawing the army from J&K

"The Congress wants to keep the fire Pandit Nehru stoked in Kashmir for which the country is still paying heavy price. It has kept quiet when its ally National Conference said there should be a separate Prime Minister for Kashmir. How can India have two prime ministers?" he asked.

Exhorting the electorate, especially the first-time voters and millennials to reject the Congress in the elections, Modi urged them to vote for the BJP's lotus symbol to have once again a "mazboot" government than a "majboor" government of unworthy parties.

--IANS

fb/vd


          La hora del populismo: soluciones improbables para una queja justa      Comment   Translate Page      

Cuando los eruditos del futuro estudien el sarpullido populista del inicio del siglo XXI, probablemente señalarán 2016 como el pistoletazo de arranque. Ese año se registraron dos seísmos en las urnas que supusieron una desobediencia masiva del público frente a las admoniciones de las élites dirigentes (políticas, económicas e intelectuales). En junio, los británicos eligieron la arriesgada vía del Brexit, desoyendo el consejo -razonable- de la clase patricia que siempre había tutelado el país y el de «los expertos», abiertamente despreciados por la exitosa campaña del «Leave», que los ridiculizó con el mote de «Proyecto Miedo».

En noviembre, un millonario «outsider» septuagenario y pintoresco, salido de la televisión y del negocio inmobiliario, ganó las elecciones de Estados Unidos (aunque es cierto que con tres millones de votos populares menos que su oponente). Los 62,9 millones de estadounidenses que optaron por Trump también hicieron oídos sordos a todos los especialistas y a los consejos editoriales de la prensa clásica. «La gente» reclamaba su soberanía frente a las élites.

El Brexit y el «trumpismo» estallaron como la queja chillona de quienes se sentían olvidados y relegados en el nuevo mundo global. Ciudadanos occidentales cuya vida real ya no mejora (y menos desde el revolcón que siguió a la caída de Lehman Brothers en 2008), o que sienten que su identidad no está siendo respetada, o tal vez ambas cosas. Las preocupaciones cotidianas de esas personas se encuentran a años luz de los debates de los líderes cosmopolitas de los salones de Davos. La novedad de la globalización los incomoda y perciben que la desigualdad aumenta. Pagan impuestos puntualmente, pues no tienen otra alternativa, pero saben que los gigantes monopolísticos de internet se escabullen y que se lucran en una realidad virtual que escapa al control de los gobiernos nacionales y dirige ya nuestras vidas. Añoran un pasado idealizado. Desean recuperar un sentimiento de comunidad perdido, en teoría amenazado por la llegada masiva de inmigrantes (la incorporación de mano de obra y talento extranjero beneficia al conjunto de la economía, pero crea fricciones a nivel local, por ejemplo con la sobrecarga de los servicios sociales). Perplejos y doloridos, observan que por primera vez, tras largas décadas de progreso continuo en Occidente, puede que ahora los hijos comiencen a vivir peor que sus padres.

Malestar justificado

Ese malestar, que es el germen del populismo, resulta legítimo. También lo es la pretensión de los partidos populistas de darle respuesta. El auténtico debate debería radicar en si realmente esas nuevas formaciones poseen soluciones para el problema o simplemente solo saben señalarlo con resultones aspavientos de «marketing» político y líderes carismáticos. La medida más importante hasta ahora de Trump, que llegó al poder como defensor de las clases medias y bajas que se habían quedado atrás, los «left behinders», ha sido bajar los impuestos un 20 por 100 a los súper-ricos, lo que agudizará la desigualdad en lugar de beneficiar a aquellos a los que apeló y confiaron en él. Los populistas transalpinos ya han logrado sumir a Italia en la recesión en tiempo récord. Una vez en el poder, los populistas de extrema izquierda de Syriza se han olvidado de toda la demagogia neocomunista que les sirvió para alcanzarlo, que solo conservan como un ornato verbal.

El populismo no va a pasar rápidamente. La crisis le dio alas. Revivirá incluso a un repunte económico

Un populista de derechas ha ganado también en Brasil y esas formaciones han dado grandes estirones electorales en Suecia, Holanda o Alemania. La exitosa irrupción de una nueva fuerza nacionalista-populista, Vox, marcará también las elecciones españolas del próximo día 28. La democracia liberal se ve cuestionada desde dentro por partidos y dirigentes que dicen encarnar a las personas de a pie olvidadas por el «establishment». Aunque a veces se da la paradoja de que quienes se erigen en paladines de la «gente corriente» representan todo lo contrario, como los excéntricos multimillonarios Trump y Berlusconi, o a su modo autoritario, el propio Putin (un actor importante en la expansión del populismo en la Unión Europea al instigarlo bajo cuerda). El pinchazo de Podemos atiende al grave error táctico de Iglesias e Irene Montero de entregarse a un boato que «la gente» no tiene a su alcance.

Repunte autoritario

La democracia liberal vivió su edad de oro tras la Segunda Guerra Mundial. Tomando la jerga del economista Schumpeter, cabría afirmar que aquel horror planetario supuso al tiempo un proceso de «destrucción creativa»: el mundo quedó destrozado y hubo que volver a montarlo, lo que disparó la economía en las décadas de los años cincuenta y sesenta. Bajo la «Pax Americana», la democracia liberal daba por fin voz a todo el público y la prosperidad parecía la pauta perenne. La caída del Muro de Berlín en 1989 se leyó como el triunfo definitivo del modelo occidental. Ilusamente, el entonces joven pensador Francis Fukuyama llegó a proclamar «el fin de la historia», pues ya no cabía alternativa ideológica.

Pero la fórmula se fue agotando. Contra pronóstico, se ha producido incluso un repunte del autoritarismo (Turquía, Rusia, Venezuela, Filipinas...). China, que pronto será la primera potencia mundial, predica que la libertad no es sinónimo de éxito, al revés, la desaconseja y reprime. Trump reniega de la «Pax Americana» y ha convertido a los aliados occidentales de su país en su blanco predilecto, sin reparar en que se está pegando un tiro en el pie, pues sin EE. UU. mal cabe hablar de Occidente.

El populismo ha desfondado a los partidos socialdemócratas clásicos

En Europa, los partidos conservadores acabaron asumiendo como propio el Estado del bienestar, privando así a la socialdemocracia de su principal seña de identidad. Los partidos que sostenían el bipartidismo se tornaron cada vez más similares. Como señala con ironía certera el politólogo alemán Jan-Werner Müller «las elecciones se empezaron a convertir en algo así como elegir entre la Coca-Cola y la Pepsi-Cola». Durante la posguerra, democristianos y socialdemócratas suponían el 90 por 100 del voto en Alemania. En las elecciones de 2017 captaron solo el 53 por 100.

El aprecio por la democracia liberal se ha desplomado, tal vez porque se da por hecha. Nadie valora el aire que respira hasta que se vuelve nocivo. Cuando en una escala de uno a diez se solicitaba que valorasen qué importancia tenía la democracia en sus vidas, la generación de los estadounidenses que lucharon contra Hitler y los «baby-boomers» señalaban casi unánimemente que «un diez». Entre los «millennials» solo uno de cada tres le otorga la máxima puntuación.

El populismo ha desfondado a los partidos socialdemócratas clásicos, que directamente han desaparecido en Italia y Francia. Los que perviven lo hacen adoptando ropajes populistas, como el PSOE de Sánchez. El voto comunista de la clase obrera francesa se ha trasvasado al Frente Nacional de Le Pen, pues sienten que aborda mejor su resentimiento y sus preocupaciones cotidianas, que ya no están en el debate ideológico izquierda-derecha que marcó el siglo XX. Lo mismo ocurrió en el Reino Unido con el voto laborista fugado en su día a UKIP.

Élite cuestionada

El ensayista Mark Lilla, un estudioso de centro-izquierda que imparte clases en Columbia, ha explicado con perspicacia que los partidos de izquierda se han desfondado electoralmente por su énfasis en el «progresismo de identidad». Se centran en atender a sucesivas minorías marginadas, olvidando a la corriente central de la sociedad. Los votantes de clase obrera se ven abandonados por esa micropolítica y entonces abrazan soluciones populistas. Así perdió el Partido Demócrata ante Trump, que fue quien habló para el cuerpo ancho de la sociedad (amén de que presentaron una pésima candidata, pues Hillary Clinton constituía un paradigma de esa élite liberal ahora puesta en cuestión).

El Brexit y el «trumpismo» estallaron como la queja de quienes se sentían relegados

El populismo es un movimiento «antiestablishment», que desafía a una élite y desprecia los valores de la democracia liberal. Pero en contra de los vituperios de la izquierda no es fascismo, pues no apela a la violencia. Además, aunque erosiona internamente a la democracia en su actual formulación, no proclama un deseo franco de destruirla. Su propagación se ha visto alzaprimada por internet, que ha debilitado la capacidad de los medios clásicos de orientar a la opinión pública y que ha traído la novedad de las redes sociales, poderosísima herramienta de reafirmación de prejuicios. Además, las redes son instantáneas y la política, lenta. El público, acostumbrado a la velocidad-«web», ya no transige con la parsimonia de la clase política ante sus problemas diarios.

Identidades

El debate ya no es de clase. Se ha vuelto moral y de justicia, de ahí el pinchazo también de partidos conservadores clásicos que vendían como punto fuerte su capacidad de gestión, caso del PP, que se ha visto fragmentado por una escisión nacionalista y emotiva. Para el populismo, la identidad nacional y la personal deben primar sobre la globalización y el cosmopolitismo. «La gente» se revuelve contra «los amos del universo».

Los populistas, adictos a la simplificación y el maniqueísmo, pretenden que existe una solución buena que sirve para todo el mundo y que además es de puro sentido común. Rousseau -padre de tantas malas ideas- sostenía que la gente es algo más que una colección de individuos, es un actor unitario; una idea refutada por liberales como Edmund Burke o John Rawls. La democracia liberal entiende que el público es plural y tiene intereses diversos. Pero el populismo en cambio es homogéneo. Además, en su visión la gente es pura, por lo que si las cosas van mal la culpa ha de recaer necesariamente en una élite corrupta.

El populismo no va a pasar rápidamente. La crisis le dio alas. Pero probablemente perviviría incluso a un repunte económico, porque como señaló en su día Nigel Farage, el estrafalario e inteligente bocazas que al frente de UKIP volteó la política británica: «Hemos ganado ya, porque hemos logrado alterar el discurso». Solo tiempo -y la educación- dará o quitará razones.


          Tendencias de bodas 2019 según Pinterest: se llevan las bodas pequeñas y económicas      Comment   Translate Page      

Tendencias de bodas 2019 según Pinterest: se llevan las bodas pequeñas y económicas#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F365977

Se llevan las bodas pequeñas y económicas. Las nuevas generaciones prefieren dar el sí quiero rodeados de sus íntimos, sin compromisos, o incluso la pareja sola. No es de extrañar, ya que resultan mucho más económicas y personales. Pinterest nos enseña con sus pinners cuáles son las tendencias de bodas 2019: minimalistas, naturales y personales son las preferencias de moda para celebrar una boda perfecta.

Ceremonias en pareja

Las bodas íntimas están de moda. Los usuarios de Pinterest buscan ideas para celebrar su boda de forma íntima, con menos invitados o incluso solos. Las ideas de fotografía para elopements (bodas íntimas sin invitados) están ganando popularidad (aumento del 128%), y muchos pinners buscan las mejores formas de capturar este tipo de ceremonias íntimas y románticas.

Un concepto nuevo que está gustando cada vez más es celebrar una boda en un destino diferente. Los lugares únicos, como celebrar una boda en la montaña o frente al mar, son el entorno más requerido para celebrar una boda en pareja o con pocos invitados.

Bodas en plena naturaleza

Las bodas sencillas y minimalistas son otra de las tendencias de bodas 2019 según Pinterest. Los millennials y la Generación Z están poniendo de moda los enlaces celebrados en plena naturaleza, al aire libre. Según un estudio de la red social, los Pinners de estas generaciones se preocupan por ideas de bodas sostenibles, de hecho las búsquedas han aumentado un 181%. Las fincas y los jardines son elecciones perfectas para darse el sí quiero. Si quieres algo más llamativo y único siempre puedes optar por la montaña o bodas pequeñas en la playa.

Sencillos vestidos de novia

Los vestidos de novia ya no son de princesa. Las creaciones sencillas, los diseños más discretos y los vestidos cortos e incluso outfits con pantalón, cada vez más ocupan un lugar señalado en las colecciones nupciales. Lo simple y sencillo está de moda en el mundo por eso las búsquedas se centran en vestidos para casarte en el campo, en la playa o al aire libre.

Una boda personal

Lo más bonito de una boda es celebrarla con tus propios gustos y preferencias. Un día tan especial requiere detalles personales que tengan un significado especial para los protagonistas. Un vestido de novia a tu gusto, un peinado que se identifique contigo y un maquillaje lo más natural posible son tres de las opciones más acertadas.

Por eso, otra de las tendencias de bodas 2019 según Pinterest son las ideas para celebrar su gran día siendo ellos mismos, sin artificios. Los pinners más buscados son peinados, vestidos de novia *curvy* y trajes de boda de lesbianas.

Fotos | Pinterest, Unplash

También te recomendamos

Los 11 estilos de vestidos de novia vintage para que las más nostálgicas brillen en su gran día

Estas son todas las muertes que habrías sufrido sin tecnología

Vestidos de novia de tul que te harán parecer una auténtica princesa

-
La noticia Tendencias de bodas 2019 según Pinterest: se llevan las bodas pequeñas y económicas fue publicada originalmente en Trendencias por Colino .


          Millennials might say they want to buy a house, but too many aren't doing anything about it      Comment   Translate Page      

suburb

It's no secret millennials are eager to be homeowners.

Earlier this year, a Realtor.com report revealed millennials as a generation are now responsible for the largest share of new mortgage loans by dollar volume, narrowly surpassing Gen X for the first time. As millennials age and start families, they're buying more homes than ever, and they're making lower down payments despite rising home prices, which require larger mortgages.

Results from a recent INSIDER and Morning Consult survey may offer some insight as to why millennials are increasingly relying on mortgages: Many are just not saving enough cash.

Of the 4,400 Americans polled, 1,207 identified as millennials, defined as ages 22 to 37 (237 respondents did not select a generation). The margin of error was plus or minus 1 percentage point.

While 40% of surveyed millennials who expect to own a home in the future are saving for one — though we don't know how much — about 31% of millennials said they expect to own, but aren't currently saving at all.

How much would a home cost you? Find out with these offers from our partners:


According to a recent SmartAsset study, it would take the median earner in the 25 largest US cities between four and 10 years to save enough cash for a 20% down payment on a median-priced home. That's generously assuming they're saving 20% of their annual income for the down payment, but most probably aren't.

Read more: Millennials are delusional about the future, but they aren't the only ones

However, Realtor.com found millennials' down payments are typically lower than those of Gen Xers and baby boomers at an average of an 8.8% down payment on a mortgaged home, despite the fact that they're generally buying cheaper homes at a median price of $238,000.

On the whole, millennials' savings are abysmal, according to the INSIDER and Morning Consult survey. While 70% of millennial survey respondents have a savings account, 58% have a balance under $5,000. That's likely not enough to cover expenses in the event of an emergency, let alone a down payment and closing costs. 

Millennials' paltry savings are likely attributable to a heavy debt load. Despite mostly steering clear of credit-card debt — 32% have none at all and 36% have under $5,000 — nearly 45% of millennials have student-loan debt. When asked what they would do with an extra $1,000 cash, millennials were more likely to prioritize paying off debt over saving (a difference of five percentage points), the survey found.

Read more: Nearly half of indebted millennials say college wasn't worth it, and the reason why is obvious

Molly Stanifer, a financial advisor with Old Peak Finance, recommends aspiring homeowners make a "savings policy" once they decide when they want to buy a home, whether it's in two years or 10 years. 

"It includes a monthly automatic amount and then a percentage of any larger inflow, like a bonus," Stanifer previously told Business Insider. "That will give a pretty clear expectation of when and how to accomplish the goal. Then, the client could set their own goals of cutting back spending or saving additionally beyond the automatic amounts to reach their goal faster."

Stanifer recommends aiming for a 20% down payment and putting the cash in a savings account or non-retirement brokerage account. "They are both liquid — or could be withdrawn easily — and have a low chance of changing much in value from the time you put the money in to the time you need it," she said.

Stanifer said it's ultimately best to hold your down payment fund in one account and not over-complicate diversification. Keeping the money safe and accessible is key.

Can you afford your dream home? Find out with this calculator from our partners:

Join the conversation about this story »

NOW WATCH: Shaq is joining the board of Papa John's — here's his simple piece of advice for NBA players who don't want to lose their millions


          Monopoly for Millennials Board Game $10 at Walmart      Comment   Translate Page      

Walmart.com has Monopoly for Millennials Board Game for $9.99 with free in-store pickup, otherwise get free 2-day shipping on orders over $35.

  • Instead of collecting cash, you collect "Experiences."
  • $20 at Amazon

           O Boticario Quasar Brave and Arbo Reserva new men's colognes       Comment   Translate Page      
O Boticario Quasar Brave and Arbo Reserva new men's colognesAre you up to it? Quasar Brave To develop the new aroma Quasar Brave Cologne, O Boticario explored the knowledge and tradition of Samurai millennial elements, seen in their daily battles. The new Quasar Brave uses mystery ingredients applied by samu...
Comments(0) | Read full article
          [Pdf/ePub] Love Fast Los Angeles by Davey Havok, sean from texas download ebook      Comment   Translate Page      

Love Fast Los Angeles by Davey Havok, sean from texas Book details Title: Love Fast Los Angeles Author: Davey Havok, sean from texas Pages: 260 Format: PDF / EPUB / MOBI ISBN: 9780985957216 Publisher: Black Candy Publishing Description Love Fast Los Angeles by Davey Havok Alvin is a party photographer. His controversial, taste-making site has brought fortune and fame to hundreds including the wild girls of the hit reality series “All F’s.” With a fiery, freshly broken heart, Al attempts to enact his vendetta against a former online-teen- heart-throb while struggling to gain the affection of disaffected socialite, Sky Monroe. In this millennial love story, filled with fast cars, pop stars, outrageous poseurs, lavish parties, golden guns, designer drugs and drag queens, dark Hollywood looms behind a blinding spotlight, directing all. Here celebrity is god, irreverence is revered, and obsession takes the wheel to run every red light in this pop fueled noir. Links for download book Available formats: PDF / EPUB / MOBI CLICK HERE FOR DOWNLOAD EBOOK Overview Love Fast Los Angeles by Davey Havok Alvin is a party photographer. His controversial, taste-making site has brought fortune and fame to hundreds including the wild girls of the hit reality series “All F’s.” With a fiery, freshly broken heart, Al attempts to enact his vendetta against a former online-teen- heart-throb while struggling to gain the affection of disaffected socialite, Sky Monroe. In this millennial love story, filled with fast cars, pop stars, outrageous poseurs, lavish parties, golden guns, designer drugs and drag queens, dark Hollywood looms behind a blinding spotlight, directing all. Here celebrity is god, irreverence is revered, and obsession takes the wheel to run every red light in this pop fueled noir.
          Prophetess: Time to Receive Paul Cain's Mantle as Billion-Soul Harvest Begins      Comment   Translate Page      

"It's time to emerge!" I heard Holy Spirit shout this phrase into my spirit recently as we crossed over into a new season. Immediately, I thought of Lazarus, as Jesus called Lazarus out of the grave despite the unbelief of others. By all appearance's sake, Lazarus didn't have much hope of coming back to life. That was, until the resurrection power of the Holy Spirit moved through Jesus and broke down the walls of man-made assumptions.

When He had said this, He cried out with a loud voice, "Lazarus, come out!" He who was dead came out, his hands and feet wrapped with grave clothes, and his face wrapped with a cloth.

Jesus said to them, "Unbind him, and let him go" (John 11:43-44).

Lazarus was a sign and a wonder to those who doubted in the sovereignty of God. When Jesus resurrected Lazarus back to life, the power of God was on display for all to see. Lazarus was a living example of how God caused a turnaround in the bleakest of situations. The name "Lazarus" means "Whom God helps" or "the assistance of God." The story of Lazarus is a perfect example of a 12th-hour miracle, sparking faith in the unbelieving!

"See, I and the children whom the Lord has given me are for signs and for wonders in Israel from the Lord of Hosts who dwells in Mount Zion" (Isa. 8:18).

All the Signs Are There. Pay Attention!

If you live on the West Coast or have watched any of the media outlets lately, you have probably seen the reports about the migration of butterflies moving up the coastline from the deserts of Mexico. Over the past several weeks, it's been quite a phenomenon to observe as Holy Spirit speaks through the signs and wonders of nature. No matter what your opinion is of California, the hand of God has definitely been on display through the movement of these Painted Lady butterflies.

"This shall be a sign to you from the Lord, that the Lord will do this thing that He has spoken" (Isa. 38:7).

I was driving in my car recently when I heard Holy Spirit say, "All the signs are there. Pay attention!" A few events foreshadowed this prophetic message from the Lord, as I had been tracking with Holy Spirit through the manifestation of the signs of God working miraculously in our midst. Not only had Holy Spirit populated old prophetic words in my inbox dating back to the year 2015 (2015 is the word "manifestation" in Strong's dictionary), but the Lord had been speaking to me about a revival angel awakening the earth through the signs and sounds of harvest.

And then there was a great earthquake. For the angel of the Lord descended from heaven and came and rolled back the stone from the door and sat on it. His countenance was like lightning, and his garments white as snow (Matt. 28:2-3).

In Strong's dictionary, the word "sign" is the Hebrew word ôṯ or sÄ"meion. Throughout Scripture, from Genesis to Revelation, we read of examples where God used signs as evidence to demonstrate His movements upon the earth. Signs are a flag. A beacon of light. A prophetic marker. A signal. A banner. And a supernatural token of the miraculous appearance of God, orchestrating events to awaken man to His sovereignty and wonder-working power.

In Deuteronomy 6:22, Scripture says God showed signs and wonders great and grievous before our eyes (Deut. 6:22). In Luke 21:25-28, we read where the evidence of signs appearing on the earth will signal the coming of the Son of Man, at the end of the age (Luke 21:25-28). The appearance of signs led the Israelites through the wilderness through a cloud by day and a fire by night. God spoke to Moses on the back side of the desert through a burning bush, shifting Moses and the Israelites into a new era, by a sign appearing in an unexpected and out of the ordinary place. When Gideon laid his fleece before God in Judges 6, God responded to Gideon by giving him a sign as an answer to his prayer (Judg. 6:36-40).

Jesus showed many signs and wonders to awaken unbelievers to who He was. Holy Spirit performed signs through the hands of the apostles, as they were sent as fishers of men, fulfilling the Great Commission.

There's no doubt that the physical manifestation of miraculous signs is a part of the DNA of God. Scripture exhorts us not to seek after signs. However, the appearance of signs confirms, affirms and leads us into the heart and will of the Father, while His Spirit makes Himself known through the evidence of signs (Matt. 12:39).

"And it will be when these signs come to you, do for yourself what the occasion requires; for God is with you" (1 Sam. 10:7).

The Billion-Soul Harvest

As the West Coast has become a witness to the sight of these beautiful butterflies soaring up the coastline, the billion-soul harvest prophecy by Bob Jones has definitely resonated in our hearts. It's not uncommon for this beautiful breed of butterflies to make its way north during the spring of each year. However, this year, 1 billion butterflies are forecast to migrate to their new home in the Northwest, after having sojourned through the state of California.

According to news reports, the emerging of this beautiful breed of butterflies is due to the elevated levels of precipitation accumulating on the West Coast after seven years of prolonged drought. The outpouring of rain saturating the dry and barren soil has created prime conditions for harvesting a billion butterflies. What makes this story even more intriguing is that these billion butterflies migrated from the backside of the wilderness only to find an abundance of wealth in an out of the ordinary place and unexpected land. God chose the sign of these butterflies and the conditions in which they originated from to send a message to the church that the billion-soul harvest has begun.

I hear the Spirit of the Lord say, "Now is the time for My church to arise and shine for Her light has come. Where barrenness and a depletion of life has inflicted a rebellious and lost generation; a harvest of new souls are emerging for such a time as this. I AM moving in new ways and in new power in the most unexpected places in the land. I AM coming for the oppressed, the faceless, and the nameless generation! I AM making a way where there seems no way and I AM calling My church to emerge into a new place of power and glory.

"The phrase 'cast your net on the other side' is my meter for pulling in an unusual harvest of souls. A mass amount of 'refugees' (including the homeless, the outcasts, the prodigals, a lawless generation and illegal aliens) will come to know My name and the power of resurrection life. I AM birthing a new move of My Spirit through unexpected sources. I AM choosing undercover vessels to make My Name well known and famous. I AM no respecter of persons, says the Spirit of the Lord. And I AM giving new life to those who surrender to My call."

"They sow fields and plant vineyard, and yield a fruitful harvest. He blesses them, so that they are greatly multiplied, and He does not let their livestock decrease" (Ps. 107:37-38).

The Mantle of Paul Cain and the Revival Angel

On Feb. 12, my husband and I were sitting at our dining room table when a suddenly came upon us. I had been in a time of preparation for a local service through prayer and fasting when a mantle dropped from heaven and rested upon my shoulders. As I felt the effects of what was transpiring in the spiritual realm, Holy Spirit then took me into a vision where I saw mantles being distributed to the saints of God in specific and strategic regions. I hadn't expected the placement of this mantle to feel so weighty. However, I realized soon enough that the call upon this mantle was for a bold, radical and outrageous generation. It wasn't until a few days later that I discovered the well-known prophet Paul Cain had gone on to glory during the exact time my husband and I had this supernatural encounter with the Lord.

As they continued walking and talking, a chariot of fire and horses of fire separated the two of them, and Elijah went up by a whirlwind into heaven. Elisha was watching and crying, "My father, my father, the chariot of Israel and its horsemen!" ... He picked up the robe of Elijah that fell from him" (2 Kings 2:11-13a).

Paul Cain was known as a latter-rain prophet who prophesied the end-time stadium revivals. I never met Paul Cain in person. And before this encounter with the new mantles, I had very little knowledge about the man or his ministry. However, I believe this too is a sign from the Lord that a new generation of prophetic evangelists are being commissioned and mantled afresh with a double portion of anointing and power. I believe a new impartation for stadium revivals are being awakened at this hour to touch a generation with a radical move of the Spirit. A changing of the guard has occurred! A sweeping move of God is prepared to blaze through the land as the Church makes her mark on the world! An on-fire remnant of not only Millennials, but end-time chosen generals of the faith, are merging streams to host a move of God in shocking and startling ways.

"Unpredictable" is the word I keep hearing. When the right streams align—and at the right kairos moment —heaven touching earth will bring mighty demonstrations of God's glory.

For thus says the Lord of Hosts: Once more, in a little while, I will shake the heavens and earth, the sea and dry land. And I will shake all the nations, and they will come with the wealth of all nations, and I will fill this house with glory, says the Lord of Hosts (Hag. 2:6-7).

A few weeks ago, the Lord showed me a revival angel being released upon the earth. When I saw this revival angel, the West Coast was highlighted as a place where the resurrection power of God would occur. I saw a great shaking in the spiritual realm for the state of California, as the Hollywood Bowl in Los Angeles was an epicenter for the Spirit of the Lord to move through with miracles, signs, and wonders like never before.

I saw the appearance of this revival angel as a prophetic marker of how the Father is desiring to move across the land. There is an outbreak of glory in the most least likely places to reach the most least likely faces is what the billion-soul harvest is all about!

Although deep darkness covers the face of the earth, and the evidence of the earth groaning with birth pains is on the heart of every believer; The Spirit of the Lord is sending signs to His people, of an end-time emergence of a billion-soul harvest.

This is the church's greatest hour! God is calling an Esther generation to arise and be a voice while accomplishing great kingdom exploits. The Spirit of the Lord says all the signs are there. Pay attention. It's time to emerge!

"Do you not say, 'There are yet four months, and then comes the harvest'? Listen! I say to you, lift up your eyes and look at the fields, for they are already white for harvest." {eoa}

Holly Watson is a prophetic voice with a passion to release the heart of the Father in a pure and uncompromising way. Her mandate is to awaken the bride of Christ to her end-time identity while stirring this generation to step into her God-ordained purpose and calling. The call upon Holly's life was awakened through being miraculously healed from a spirit of infirmity. KRGO Ministries was birthed through a passion to raise up sons and daughters of God who embrace their true identity and calling in Christ. Holly and her husband, Frank, serve and minister throughout the body of Christ in the Southern California area and the surrounding regions. Visit krgo.org.

Listen as Sid Roth reveals what the fast-approaching end-times revival will look like as it sweeps the globe.


          Jentezen Franklin: Why I Am Calling America's Christian Leaders to a Family Meeting Today on the Abortion Debate      Comment   Translate Page      

You know what's ironic? America has become more pro-life than ever at the very moment that America's abortion advocates have become more extreme and more aggressive than ever.

More than 80% of Americans disapprove of late-term abortion. Unlimited abortion and late-term abortion are growing increasingly unpopular among young adults, giving me tremendous hope that the right to life movement is not only alive and well, it's expanding and gaining momentum.

In fact, this issue is no longer a partisan issue at all. Pro-Life Democrats make up a large swath of the electorate, and recent developments have led a number of them to speak up and warn of the consequences if their views are ignored.

The truth is that the vast majority of Americans have found legislation in New York that extends abortion into the third trimester with hardly any restrictions, and the failure of the Born Alive Infant Survivors Protection Act in the U.S. Senate, to be far out of touch with their point of view. Instead of "safe, legal and rare," ending the life of the unborn has become too easy, too quick and all the way to the point of birth in the United States.

Thankfully, a new generation of Americans is looking back on history and discovering the truth about the pain and suffering caused by abortion. We've learned that a baby in the womb feels pain as early as even 8 weeks after conception. We've learned that a child has a beating heart at just 6 weeks.

That's why waves of state legislation and a number of "heartbeat bills" in Georgia, Ohio, Mississippi and several other states are emerging. It isn't just because of the moral sensitivities of a narrow group of religious Americans; it's because of basic science. It is reasonable and responsible to be pro-life.

At the nexus of legislation from New York to Georgia, we are finding ourselves in an existential moment for the abortion debate and the church needs to respond in unity.

And it isn't about politics. It is a moral and human rights imperative that requires a moral response from our nation's pastors and leaders whether or not they are engaged in partisan politics.

This is why I called a "family meeting" of Christian leaders to draw a line in the sand.

Today, April 13, at Free Chapel, I'm hosting this meeting for Christians nationwide to speak truth to power and unite around a crystal-clear message that we believe life is beautiful—every life, at every stage. We'll also be activating a generation ready to move beyond a rally and a protest and help be a part of a solution.

This activation leans into a new direction in the movement to protect life. We as the church need to focus our efforts on being the best support network for women anywhere and everywhere in the nation. It's not enough to simply advocate for unborn children. We have to acknowledge the fears and concerns of every mother. We have to recognize the complexity of this decision for many women and enter into their journey with a spirit of grace and service, not moral superiority absent of empathy.

We're gathering Christians from across the country to find ways to be more supportive than we ever have been to women carrying the precious gift of life in the womb. And we're doing this with Christians of diverse political persuasions and parties, pastors who refrain from partisan politics, women grieving from past abortions and concerned citizens alike, all of whom will gather to learn how they can make a difference on this crucially important issue at this consequential moment.

I want to be clear: Our meeting is about celebrating the life of both the mother and the child. Our hearts are filled with compassion for every mother who is carrying a child. We're here to tell them they are not alone. If a child in the womb isn't what they expected or planned, we need to tell them there's hope and remind them of the truth that abortion isn't the only option. We have to prove we're serious about ensuring abortion alternatives are abundantly available in their communities.

People of faith must be unified and resilient on this issue. Now is the time.

Jentezen Franklin is the senior pastor of Free Chapel, a multicampus church. Each week. his television program, Kingdom Connection, is broadcast on major networks all over the world. A New York Times' best-selling author, Jentezen has written nine books, including his most recent, Love Like You've Never Been Hurt, the groundbreaking Fasting and Right People-Right Place-Right Plan.

Click here to learn more about Pastor Jentezen's upcoming "Life is Beautiful" meeting.

Listen below to podcasts about the pro-life movement.


          In the age of legal marijuana, many employers drop ‘zero tolerance’ drug tests      Comment   Translate Page      

When Rye Electric was founded in Orange County five years ago, it screened all prospective workers for drugs. If a test showed traces of cannabis, the applicant was nixed.

But the fast-growing construction company, which has a millennial-heavy workforce, has since adapted to the times. “We still...


          Comment on Sixers Take Disciplinary Action Over Cell Phone Incident by ChiSoxCity      Comment   Translate Page      
Was just a matter of time before this happened. Millennials man. Nothing’s more important than social media, not even a multi-million dollar salaried job.
          The NeXtGen_Board goes the extra mile to assist the community      Comment   Translate Page      
The newly established Capricorn Group NeXtGen_Board supported the brand promise of being Connectors of Positive Change by sowing positively into the lives of young children at the Family of Hope School in Havana Katutura on Friday. The Board made up of 12 millennials, dedicated their Friday morning to upgrade the garden, plant new vegetables, and […]
          Millennials might say they want to buy a house, but too many aren't doing anything about it      Comment   Translate Page      

suburb

It's no secret millennials are eager to be homeowners.

Earlier this year, a Realtor.com report revealed millennials as a generation are now responsible for the largest share of new mortgage loans by dollar volume, narrowly surpassing Gen X for the first time. As millennials age and start families, they're buying more homes than ever, and they're making lower down payments despite rising home prices, which require larger mortgages.

Results from a recent INSIDER and Morning Consult survey may offer some insight as to why millennials are increasingly relying on mortgages: Many are just not saving enough cash.

Of the 4,400 Americans polled, 1,207 identified as millennials, defined as ages 22 to 37 (237 respondents did not select a generation). The margin of error was plus or minus 1 percentage point.

While 40% of surveyed millennials who expect to own a home in the future are saving for one — though we don't know how much — about 31% of millennials said they expect to own, but aren't currently saving at all.

How much would a home cost you? Find out with these offers from our partners:


According to a recent SmartAsset study, it would take the median earner in the 25 largest US cities between four and 10 years to save enough cash for a 20% down payment on a median-priced home. That's generously assuming they're saving 20% of their annual income for the down payment, but most probably aren't.

Read more: Millennials are delusional about the future, but they aren't the only ones

However, Realtor.com found millennials' down payments are typically lower than those of Gen Xers and baby boomers at an average of an 8.8% down payment on a mortgaged home, despite the fact that they're generally buying cheaper homes at a median price of $238,000.

On the whole, millennials' savings are abysmal, according to the INSIDER and Morning Consult survey. While 70% of millennial survey respondents have a savings account, 58% have a balance under $5,000. That's likely not enough to cover expenses in the event of an emergency, let alone a down payment and closing costs. 

Millennials' paltry savings are likely attributable to a heavy debt load. Despite mostly steering clear of credit-card debt — 32% have none at all and 36% have under $5,000 — nearly 45% of millennials have student-loan debt. When asked what they would do with an extra $1,000 cash, millennials were more likely to prioritize paying off debt over saving (a difference of five percentage points), the survey found.

Read more: Nearly half of indebted millennials say college wasn't worth it, and the reason why is obvious

Molly Stanifer, a financial advisor with Old Peak Finance, recommends aspiring homeowners make a "savings policy" once they decide when they want to buy a home, whether it's in two years or 10 years. 

"It includes a monthly automatic amount and then a percentage of any larger inflow, like a bonus," Stanifer previously told Business Insider. "That will give a pretty clear expectation of when and how to accomplish the goal. Then, the client could set their own goals of cutting back spending or saving additionally beyond the automatic amounts to reach their goal faster."

Stanifer recommends aiming for a 20% down payment and putting the cash in a savings account or non-retirement brokerage account. "They are both liquid — or could be withdrawn easily — and have a low chance of changing much in value from the time you put the money in to the time you need it," she said.

Stanifer said it's ultimately best to hold your down payment fund in one account and not over-complicate diversification. Keeping the money safe and accessible is key.

Can you afford your dream home? Find out with this calculator from our partners:

Join the conversation about this story »

NOW WATCH: Shaq is joining the board of Papa John's — here's his simple piece of advice for NBA players who don't want to lose their millions


          Meet the most powerful Goldman Sachs banker you've never heard of; Silicon Valley has made top data-science talent too expensive for many hedge funds      Comment   Translate Page      

 

Dear Readers,

It was "millennial money week" here at BI, where we got the results back from an INSIDER and Morning Consult survey that polled 4,400 young Americans on their spending habits. 

We published a number of stories based on the results. Here are some of the key findings. 

If you're new to the Wall Street Insider newsletter, you can sign up here.

Finances

1) Twenty-eight percent of millennials think they're worse off financially than they thought they'd be a decade ago.

2) A variety of economic factors have played a role in delaying some millennials' wealth-building process. The Great Recession, student-loan debt, and a higher cost of living have made it difficult for millennials to save.

College

1) Nearly half of millennials who have or have had student-loan debt think college wasn't worthwhile.

2) The divide between people who do think college was worth it and those who don't is clear: Millennials who are still paying off their student-loan debt feel worse about having gone to college than millennials who have already paid off their debt.

Retirement

1) Many Americans expect to buy a house or retire one day but aren't saving for it.

2) One-quarter of millennials who expect to retire between ages 66 and 75 have no retirement savings account.

3) Nearly half of Gen Xers have no retirement account, despite most expecting to retire between 56 and 75.

But, despite all of these money worries, our survey shows that millennials aren't curbing their spending. In fact, if given an extra $1,000 in a month, millennials and baby boomers would spend similarly. And while millennials are delaying major life events such as buying a house and having kids (due in large part to massive student loan debt), they aren't abandoning these things entirely. 

Bottom line: millennials have been accused of killing razors, mayo, golf, weddings, beer, and cereal. The rationale for this (at least according to the Fed) has been that it's because younger Americans don't have as much money to spend than previous generations. But the truth is a lot more complicated. 

Thanks for reading and have a great weekend! 
Olivia


Rich Friedman goldman sachs merchant banking

'It's good to be Rich': Meet the Goldman Sachs banker who has built a private investing empire that goes head-to-head with Blackstone — and you've probably never heard of him

The Champagne was flowing in February 2018 when the Goldman Sachs executive Rich Friedman welcomed a couple hundred guests to the Rainbow Room. The Manhattan landmark, opened in 1934, offers a menu with beef Wellington and baked Alaska and serves a $162 brunch. Overlooking Manhattan from the 65th floor of Rockefeller Center, guests danced and chatted as Stevie Wonder played piano.

On the surface, the event was a celebration of Friedman's 60th birthday. But it could have easily been a celebration of a Goldman Sachs career entering its golden years. Therecent retirement of CEO Lloyd Blankfein made Friedman the longest-tenured partner at Goldman.

Since 1991, Friedman has built the bank's private-investing activities into a sprawling collection of funds that have invested more than $180 billion in real estate and infrastructure, private equity, and credit markets that often competes with flashier investment firms like Blackstone, Carlyle, and KKR.

Though advocates put him in the pantheon of buyout greats, Friedman hasn't enjoyed the same name recognition as men with names like Schwarzman, Kravis, and Rubenstein. That's by design, according to interviews with about a dozen current and former colleagues, clients, and competitors.

READ MORE HERE >>

Tim Throsby sent an email to Barclays' CEO with the title 'irreconcilable.' He warned that a plan to gut compensation by 20% and boost profitability was unrealistic.

Tim Throsby, a former JPMorgan banker hired by Barclays to much fanfare to run its investment bank, drafted an email over the weekend of March 23 to 24. By the time he got around to sending it to CEO Jes Staley, he was already out.

The subject line of the email, according to someone who had seen it, was "irreconcilable."

The email was sent to Staley and a number of other senior leaders on March 28, a day after Throsby's shock departure from Barclays was announced, and rehashed the concerns he held over his boss' strategy. The email said Staley planned for cost reductions and job cuts — including a 20% cut to total compensation — for Barclays International, as well as a reduction in reserves held in case of credit losses, according to the person.

READ MORE HERE>>

Silicon Valley has made top data-science talent too expensive for many hedge funds, so they're getting creative to compete

On one side, there are billions of dollars from the world's biggest investors ready to be run by your algorithm. On the other, there's a chance to work at the most talked-about companies on the planet —right as they promise to turn their employees into millionaires overnight.

The battle for top tech talent between Wall Street and Silicon Valley is nothing new, but it's reaching a fever pitch in the hedge fund industry, industry participants and consultants said, as both sides eye billions of dollars up for grabs thanks to a host of buzzy tech unicorns expected to go public, like Uber, Slack, and Pinterest.

This Silicon Valley gold rush has forced hedge funds to grapple with a problem they hardly ever run into: The industry is being outbid for the top talent.

READ MORE HERE >>

YieldStreet, a fintech company offering exotic investments in things like art, but experts are warning about the risk

Wealthy individuals who want to reap the financial benefits of investing in a Monet without actually owning an $80 million painting will soon have a new option.

YieldStreet, a financial platform that offers exotic investment products like marine finance and loans to law firms to the mass affluent, is buying an company called Athena Art Finance from private equity firm Carlyle in a deal valued at $170 million. YieldStreet's 100,000 investors will be able to invest in art financing as a result of the deal.

The deal comes as more financial technology players are trying to open up access to investments previously reserved for institutional or ultra-wealthy investors, such as private equity. Earlier this week, Nasdaq and iCapital, a BlackRock-backed alternative investment company, said they're working to create a platform that will launch later this year to allow private fund investors to sell their stakes before the end of a fund's life.

READ MORE HERE >>

BlackRock-backed iCapital is teaming up with Nasdaq to create a private equity fund selling platform for wealthy investors

As wealthy individuals get into private equity and other illiquid investments in greater numbers than ever, they're increasingly looking for ways to get out, too.

Institutional investors, who long dominated strategies like venture capital, private equity real estate, and private credit, have worked with advisers to sell their fund stakes on the secondaries market. That option hasn't been available to individual investors, who may not be able to keep their capital locked up for the decade or longer that a private fund requires.

Nasdaq and iCapital, a BlackRock-backed alternative investment company, are now seeking to give investors that option by creating a platform that will launch later this year, executives told Business Insider.

READ MORE HERE >>

An inside look at Digital Asset, the blockchain company that's shifting strategies as Wall Street loses interest in the technology

A blockchain company that no longer deals solely with blockchains.

Digital Asset made a name for itself as a leader in how distributed-ledger technology would be implemented on Wall Street when it burst onto the scene in 2014. Big-name backers, large funding rounds, and a former high-profile bank executive caused it to turn heads.

Five years later the industry is still considering how best to implement distributed-ledger technology. While nearly every Wall Street firm has invested resources into investigating blockchains, real-world applications of the technology beyond pilot programs have been largely nonexistent.

READ MORE HERE >>

Wall Street move of the week:

Barclays just lost two more executives as Ravi Singh departs after only four months

In markets:

In tech news:

Other good stories from around the newsroom:

Join the conversation about this story »


          2 of America's most acclaimed wealth managers for the ultrarich explain why a famous approach to retirement investing is dead wrong — and reveal what people should do instead      Comment   Translate Page      

early retirement

  • Two of the most successful wealth managers in the US say the most basic approach to retirement investing — that younger people need stocks and older people should own bonds — is wrong.
  • Jeff Erdmann of Merrill Lynch and Peter Mallouk of Creative Planning have different criticisms of the philosophy, but both say investors need a different approach.
  • Forbes has ranked Erdmann as the best wealth manager in the US for three years in a row, while Barron's named Mallouk the no. 1 independent wealth manager four times in the last six years.
  • Visit BusinessInsider.com for more stories.

It's one of those things everyone who has thought about retirement knows: Younger people are supposed invest in stocks, and older people should mostly own bonds.

But two of the most respected wealth managers in the country say that's a bad approach.

The objections come from Jeff Erdmann, who has topped Forbes' list of the best wealth managers in America for the last three years, and Peter Mallouk, who Barron's named the no. 1 independent wealth advisor four times since 2013.

Both are very positive on stocks as long-term investments. That partially reflects their focus on wealthy families and maintaining wealth that can last for generations. But their concerns about the traditional strategy also have major implications for everyday investors and anyone with a 401(k).

The standard thinking about retirement investing is that younger people should own on high-growth assets like stocks, and as the years pass they should gradually get more conservative to get a steady stream of income and protect against big losses. The non-traditional response?

"You should throw that philosophy out the window," Erdmann said in a phone interview with Business Insider.

Erdmann, who works in Merrill Lynch's private banking and investment group, says that investors get such weak returns from bond, CDs and similar assets that they can't rely on them the way they did when that conventional wisdom was established.

Read more: America's No. 1-ranked wealth manager for the ultrarich breaks down the 3 mistakes every millennial investor should avoid — and what they should do instead

For example, the yield on the 10-year Treasury note was more than 10% in 1985, but hasn't touched 5% since early 2001. Last year markets were startled when the 10-year yield briefly "spiked" above 3%. Other conservative investments also don't provide the kind of returns they did in decades past.

"Whether you’re 88 or 18, (with) where we are in the interest rate cycle, your asset allocation is going to not necessarily be tremendously different," Erdmann said.

That's been a big contributor to the 10-year bull market in stocks: More conservative options just haven't appealed to a lot of people for many years. And it's not clear if it will change any time soon.

While Erdmann's objection to the traditional retirement strategy is based on the modern easy-money, low-interest-rate environment, Peter Mallouk of Kansas City-based Creative Planning says he doesn't think the strategy has ever been a good idea.

"The way the industry selects portfolio management ... doesn’t make sense," he said. "It just never has made sense."

Mallouk runs a $39 billion company that was named by Barron's as the best independent wealth management firm in 2017. He told Business Insider that age is nearly irrelevant to retirement investing.

Read more: America’s biggest wealth manager oversees $39 billion for the ultrarich. Here are the 5 ways he says you can invest like 'the millionaire next door.'

In his view, the only thing that's really important is the needs of the investor. A well-off young person with minimal needs can make conservative investments, and an older person who is behind on retirement saving needs to be more aggressive.

Mallouk says the traditional investing philosophy can leave retirees without enough money to meet their needs late in life. 

The two views have different implications: If you agree with Erdmann, you might conclude that investing more heavily in bonds as you age makes sense assuming yields rise substantially in the future. But if you hold with Mallouk, you would focus more on stocks even into retirement.

SEE ALSO: MORGAN STANLEY: This earnings season is the 'moment of truth' for stocks. Here's why the signs are pointing to a major disappointment for investors.

Join the conversation about this story »

NOW WATCH: The founder and CIO of $12 billion Ariel Investments breaks down how his top-ranked flagship fund has crushed its peers over the past 10 years


          Millennials are happy to live without these things in order to get onto the housing ladder      Comment   Translate Page      
MILLENNIALS are happy to live without a garage and garden in order to get onto the housing ladder, according to new research...
          Lonely Millennials Are Becoming Friends With Houseplant      Comment   Translate Page      
Forum: Newslinks & Articles Posted By: SPOON! Post Time: 04-13-2019 at 08:19 PM
          Millennial Homebuyers Seek Affordability       Comment   Translate Page      

from CoreLogic

-- this post authored by ARCHANA PRADHAN

An increasing number of millennials, those born from 1981 to 1996, are entering the prime homebuying age. The average age of millennials applying for home-purchase mortgage applications was 31 in 2018.[ 1] They were the largest cohort to finance home purchases in 2018, accounting for 44 percent of home-purchase mortgage applications during 2018, up 2 percentage points from 2017. However, the share varies across individual housing markets.

Read more ...


          Disebut Goyah, BUMN Justru Untung Rp 188 Triliun      Comment   Translate Page      

Liputan6.com, Jakarta - Calon Presiden Nomor Urut 02 Prabowo Subianto mengatakan bahwa Badan Usaha Milik Negara (BUMN) yang menjadi benteng terakhir perekonomian nasional justru saat ini malah goyah. Hal tersebut diungkapkan dalam debat capres kelima yang berlangsung pada Sabtu kemarin.

Menurut Prabowo, rencana Capres 01 yang akan membikin perusahaan holding sia-sia selama BUMN tidak dikelola dengan baik. "Ini yang kami sangat risau. Bahwa BUMN kita, kebanggaan kita. Semua yang seharusnya jadi national champions, world champions, sekarang moril jatuh," ujar dia.

Apakah benar BUMN tengah goyah?

Dikutip dari laporan kinerja BUMN sepanjang 2018, untuk aset, laba, ekuitas, belanja modal hingga kontribusi kepada APBN dalam bentuk pajak, PNBP, dan dividen naik signifikan.

Hingga 31 Desember 2018, total aset BUMN menembus angka Rp 8.092 triliun. Aset BUMN naik Rp 882 triliun dari capaian 2017 sebesar Rp 7.210 triliun. Total laba BUMN tumbuh menjadi Rp 188 triliun dari laba 2017 sebesar Rp 186 triliun.

Besarnya kontribusi BUMN dalam pembangunan infrastruktur pun terlihat dari belanja BUMN yang meningkat sepanjang 2018 mencapai Rp 487 triliun. Angka itu naik signifikan dibandingkan 2017 sebesar Rp 315 triliun. Belanja modal (capital expenditure/capex) 2018 itu didominasi oleh sektor infrastruktur.

Kontribusi BUMN terhadap Anggaran Pendapatan dan Belanja Negara (APBN) melonjak menjadi Rp 422 triliun, naik Rp 68 triliun dari setoran 2017 sebesar Rp 354 triliun.

Peningkatan Konektivitas

Menteri BUMN Rini Soemarno memberi paparan saat konferensi pers pembukaan Indonesia Investment Forum 2018 di Bali, Selasa (9/10). Acara ini diinisiasi BI, Kementerian BUMN, Kemenkeu, dan OJK serta diorganisir oleh Bank Mandiri. (Liputan6.com/Angga Yuniar)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F455721

"Kinerja positif ini akan kami jaga dan tingkatkan agar BUMN dapat terus melayani negeri, menjadi agen pembangunan yang berfokus pada peningkatan kesejahteraan masyarakat. Ini sebagaimana tertuang dalam amanah konstitusi bahwa BUMN harus menjadi agen pembangunan dan agen penciptaan nilai,” tutur Rini, dalam acara rapat koordinasi BUMN di JCC Senayan pada 28 Februari seperti dikutip dari keterangan tertulis, pada Rabu 6 Maret 2019.

Wujud nyata kontribusi BUMN dalam pembangunan tercermin dari peningkatan konektivitas darat, laut dan udara.

Di darat, BUMN telah merealisasikan pembangunan dan pengoperasian jalan tol sepanjang 782 KM, reaktivasi rel kereta Jawa Barat sepanjang 178,8 KM, LRT Palembang serta pembangunan LRT Jabodebek.

Di laut, BUMN telah membangun 27 pelabuhan baru, 100 kapal pendukung tol laut, peningkatan kapasitas peti kemas menjadi 28,8 Teus, dan dwelling time menjadi tiga hari dari semula tujuh hari pada 2014. BUMN telah membangun 10 bandar udara baru demi menunjang konektivitas udara.

Di Sektor Kelistrikan

Pekerja tengah memasang Trafo IBT 500,000 Kilo Volt di Gardu induk PLN Balaraja, Banten, Kamis (16/12). (Liputan6.com/Angga Yuniar)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F455721

Di sektor kelistrikan, BUMN telah berkontribusi meningkatkan rasio elektrifikasi menjadi 97,2 persen.

Didukung dengan kapasitas listrik terpasang sebesar 57.822 Megawatt, 53.000 Km transmisi, dan 131.000 MVA gardu induk. Selain itu, sinergi BUMN juga telah menyambungkan listrik ke lebih dari 100 Ribu keluarga tidak mampu di Jawa Barat.

Keluarga tidak mampu tersebut sebelumnya tidak memiliki akses langsung terhadap listrik PLN, dan menumpang listrik tetangga.

BUMN juga berperan aktif dalam meningkatkan kesejahteraan masyarakat lewat sejumlah program ekonomi kerakyatan. Sepanjang 2018 BUMN telah menyalurkan Rp 113,9 Triliun Kredit Usaha Rakyat (KUR) bagi 4,3 juta nasabah, dan menyalurkan Rp 16,4 Triliun kepada 4,2 juta nasabah kredit ultra mikro PNM Mekaar.

BBM Satu Harga

Petugas mengisi BBM pada sebuah mobil di salah satu SPBU, Jakarta, Selasa (1/3). Pertamina menurunkan harga bahan bakar minyak (BBM) umum Pertamax, Pertamax Plus, Pertamina Dex, dan Pertalite Rp 200 per liter. (Liputan6.com/Angga Yuniar)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F455721

Tak hanya itu, BUMN juga merealisasikan BBM Satu Harga di 123 titik lokasi di Papua, Merealisasikan program Kewirausahaan Pertanian di 9 Kabupaten di Jawa Barat, serta mendirikan 76 BUMN Shop di desa tertinggal di Sukabumi, Tasikmalaya dan Ciamis.

"BUMN juga berperan aktif dalam mencetak generasi muda bangsa yang produktif, kreatif dan inovatif lewat program Spirit of Millennials. Program ini bertujuan untuk mewadahi sekaligus mengajak para karyawan muda BUMN berkontribusi membangun negeri," ungkap Rini.

Rini pun mendorong BUMN agar terus bersinergi dan berinovasi dalam memberikan nilai tambah untuk produk dan layanan yang lebih efisien lewat hilirisasi.

Sektor yang tengah difokuskan mengejar hilirisasi yakni Migas dan Pertambangan. Diharapkan kedua sektor tersebut dapat meningkatkan nilai tambah produknya menjadi 10 kali lipat.

Dalam rangka mengoptimalkan dampak ekonomi dari pembangunan infrastruktur, BUMN juga dipacu melanjutkan utilisasi jalan tol Trans Sumatera dan jalan tol Trans Jawa yang telah beroperasi.

Saksikan Video Pilihan di Bawah Ini:


          Warum sind Millennials so unglücklich?      Comment   Translate Page      
Stressige, schlecht bezahlte Jobs, kein Glück in der Liebe und geringe gesellschaftliche Wertschätzung – Millennials haben es wirklich nicht leicht. Sind junge Leute zurecht häufig so schlecht drauf?
          Arizona high schools now have to teach financial literacy and money management      Comment   Translate Page      
PHEONIX, Az. — A new law in Arizona now requires high school students to learn about financial literacy and money management. According to SB1184, the course will be taught as part of the economics credit needed to graduate high school. “1 in 8 millennials have debts in collection. This bill will give students the critical, basic life skills to manage their money and have the financial freedom to accomplish anything after graduation,” Arizona State Treasurer Kimberly Yee said in a […]
          Job Alert: Campus Co-Chief (Talent and Performance) at Hugo Technologies      Comment   Translate Page      
<p>Hugo is a team of operations experts using the power of technology to build responsive, detail-oriented support teams across sub-Saharan Africa. Our mission is to empower millennials in Africa to compete and thrive in the growing gig-economy, by professionalizing them and bringing meaningful work opportunities to the continent.<br /> <br /> Headquartered in NYC and Lagos, Hugo is carving out

          Disebut Goyah, BUMN Justru Untung Rp 188 Triliun      Comment   Translate Page      

Liputan6.com, Jakarta - Calon Presiden Nomor Urut 02 Prabowo Subianto mengatakan bahwa Badan Usaha Milik Negara (BUMN) yang menjadi benteng terakhir perekonomian nasional justru saat ini malah goyah. Hal tersebut diungkapkan dalam debat capres kelima yang berlangsung pada Sabtu kemarin.

Menurut Prabowo, rencana Capres 01 yang akan membikin perusahaan holding sia-sia selama BUMN tidak dikelola dengan baik. "Ini yang kami sangat risau. Bahwa BUMN kita, kebanggaan kita. Semua yang seharusnya jadi national champions, world champions, sekarang moril jatuh," ujar dia.

Apakah benar BUMN tengah goyah?

Dikutip dari laporan kinerja BUMN sepanjang 2018, untuk aset, laba, ekuitas, belanja modal hingga kontribusi kepada APBN dalam bentuk pajak, PNBP, dan dividen naik signifikan.

Hingga 31 Desember 2018, total aset BUMN menembus angka Rp 8.092 triliun. Aset BUMN naik Rp 882 triliun dari capaian 2017 sebesar Rp 7.210 triliun. Total laba BUMN tumbuh menjadi Rp 188 triliun dari laba 2017 sebesar Rp 186 triliun.

Besarnya kontribusi BUMN dalam pembangunan infrastruktur pun terlihat dari belanja BUMN yang meningkat sepanjang 2018 mencapai Rp 487 triliun. Angka itu naik signifikan dibandingkan 2017 sebesar Rp 315 triliun. Belanja modal (capital expenditure/capex) 2018 itu didominasi oleh sektor infrastruktur.

Kontribusi BUMN terhadap Anggaran Pendapatan dan Belanja Negara (APBN) melonjak menjadi Rp 422 triliun, naik Rp 68 triliun dari setoran 2017 sebesar Rp 354 triliun.

Peningkatan Konektivitas

Menteri BUMN Rini Soemarno memberi paparan saat konferensi pers pembukaan Indonesia Investment Forum 2018 di Bali, Selasa (9/10). Acara ini diinisiasi BI, Kementerian BUMN, Kemenkeu, dan OJK serta diorganisir oleh Bank Mandiri. (Liputan6.com/Angga Yuniar)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F476318

"Kinerja positif ini akan kami jaga dan tingkatkan agar BUMN dapat terus melayani negeri, menjadi agen pembangunan yang berfokus pada peningkatan kesejahteraan masyarakat. Ini sebagaimana tertuang dalam amanah konstitusi bahwa BUMN harus menjadi agen pembangunan dan agen penciptaan nilai,” tutur Rini, dalam acara rapat koordinasi BUMN di JCC Senayan pada 28 Februari seperti dikutip dari keterangan tertulis, pada Rabu 6 Maret 2019.

Wujud nyata kontribusi BUMN dalam pembangunan tercermin dari peningkatan konektivitas darat, laut dan udara.

Di darat, BUMN telah merealisasikan pembangunan dan pengoperasian jalan tol sepanjang 782 KM, reaktivasi rel kereta Jawa Barat sepanjang 178,8 KM, LRT Palembang serta pembangunan LRT Jabodebek.

Di laut, BUMN telah membangun 27 pelabuhan baru, 100 kapal pendukung tol laut, peningkatan kapasitas peti kemas menjadi 28,8 Teus, dan dwelling time menjadi tiga hari dari semula tujuh hari pada 2014. BUMN telah membangun 10 bandar udara baru demi menunjang konektivitas udara.

Di Sektor Kelistrikan

Pekerja tengah memasang Trafo IBT 500,000 Kilo Volt di Gardu induk PLN Balaraja, Banten, Kamis (16/12). (Liputan6.com/Angga Yuniar)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F476318

Di sektor kelistrikan, BUMN telah berkontribusi meningkatkan rasio elektrifikasi menjadi 97,2 persen.

Didukung dengan kapasitas listrik terpasang sebesar 57.822 Megawatt, 53.000 Km transmisi, dan 131.000 MVA gardu induk. Selain itu, sinergi BUMN juga telah menyambungkan listrik ke lebih dari 100 Ribu keluarga tidak mampu di Jawa Barat.

Keluarga tidak mampu tersebut sebelumnya tidak memiliki akses langsung terhadap listrik PLN, dan menumpang listrik tetangga.

BUMN juga berperan aktif dalam meningkatkan kesejahteraan masyarakat lewat sejumlah program ekonomi kerakyatan. Sepanjang 2018 BUMN telah menyalurkan Rp 113,9 Triliun Kredit Usaha Rakyat (KUR) bagi 4,3 juta nasabah, dan menyalurkan Rp 16,4 Triliun kepada 4,2 juta nasabah kredit ultra mikro PNM Mekaar.

BBM Satu Harga

Petugas mengisi BBM pada sebuah mobil di salah satu SPBU, Jakarta, Selasa (1/3). Pertamina menurunkan harga bahan bakar minyak (BBM) umum Pertamax, Pertamax Plus, Pertamina Dex, dan Pertalite Rp 200 per liter. (Liputan6.com/Angga Yuniar)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F476318

Tak hanya itu, BUMN juga merealisasikan BBM Satu Harga di 123 titik lokasi di Papua, Merealisasikan program Kewirausahaan Pertanian di 9 Kabupaten di Jawa Barat, serta mendirikan 76 BUMN Shop di desa tertinggal di Sukabumi, Tasikmalaya dan Ciamis.

"BUMN juga berperan aktif dalam mencetak generasi muda bangsa yang produktif, kreatif dan inovatif lewat program Spirit of Millennials. Program ini bertujuan untuk mewadahi sekaligus mengajak para karyawan muda BUMN berkontribusi membangun negeri," ungkap Rini.

Rini pun mendorong BUMN agar terus bersinergi dan berinovasi dalam memberikan nilai tambah untuk produk dan layanan yang lebih efisien lewat hilirisasi.

Sektor yang tengah difokuskan mengejar hilirisasi yakni Migas dan Pertambangan. Diharapkan kedua sektor tersebut dapat meningkatkan nilai tambah produknya menjadi 10 kali lipat.

Dalam rangka mengoptimalkan dampak ekonomi dari pembangunan infrastruktur, BUMN juga dipacu melanjutkan utilisasi jalan tol Trans Sumatera dan jalan tol Trans Jawa yang telah beroperasi.

Saksikan Video Pilihan di Bawah Ini:


          The Jesus and Mary Chain de vuelta a México      Comment   Translate Page      
The Jesus and Mary Chain regresa a México luego de su aclamada presentación en el Festival Corona Ca
          Kate Iselin: Millennials are having less sex than ever - here's why      Comment   Translate Page      
COMMENT: If you were born between 1981 and 1996, I might have some bad news for you: you're a millennial.Yes, you and I are both members of the millennial generation and although we can congratulate ourselves on helping facilitate...
           O Boticario Quasar Brave and Arbo Reserva new men's colognes       Comment   Translate Page      
O Boticario Quasar Brave and Arbo Reserva new men's colognesAre you up to it? Quasar Brave To develop the new aroma Quasar Brave Cologne, O Boticario explored the knowledge and tradition of Samurai millennial elements, seen in their daily battles. The new Quasar Brave uses mystery ingredients applied by samu...
Comments(0) | Read full article
          4/13/2019: LETTERS: Reducing car usage      Comment   Translate Page      
Re: ‘Green’ millennials join the car cult, William Watson, April 9 Millennials love their cars, as do most of the rest of us. For many, a car is a necessity due to lack of viable alternative modes of travel. The high usage of cars in most North...
          4/14/2019: SUNDAY SPECIAL: This is how fast Gen Z wants promotions      Comment   Translate Page      

Young workers aren’t shying away from asking for a promotion. Like millennials, Gen Z workers — or those aged 22 and under, according to Pew — feel more comfortable asking employers for more perks and compensation without planning to stick around very...
          Around the remote: The end is coming for ‘Game of Thrones’      Comment   Translate Page      

DON’T MISS: “Game of Thrones” – After seven tumultuous seasons jam-packed with political intrigue, dragon fire, cold wintry dread and gore galore, the wildly popular fantasy series is homing in on what is expected to be an epic conclusion. In the first of six remaining episodes, viewers will be reunited with Jon Snow (Kit Harington), Daenerys Targaryen (Emilia Clarke) and their various allies, all of whom are bracing for a hellacious showdown with the Night King and his vast army of reanimated corpses. (Shudder.) And you thought the Red Wedding was bloody. (9 p.m. Sunday, HBO).

Other bets

SUNDAY: “God Friended Me” wraps up its successful first season. In the finale, Miles, Cara and Rakesh finally come face to face with the elusive Henry Chase (Derek Luke) when the God Account sends Miles Simon Hayes’ (Adam Goldberg) name. (8 p.m., CBS).

SUNDAY: We’re down to 14 contestants on “American Idol” and it’s finally time for viewers to get in on the act as the live performances and fan voting begin. (8 p.m., ABC).

MONDAY: The compelling event series “Jesus: His Life” concludes with chapters pegged to Mary Magdalene, who witnessed the crucifixion, and Peter, one of the 12 apostles. (8 p.m., History).

TUESDAY: In the new comedy series “Bless This Mess,” Lake Bell and Dax Shepard star as New York newlyweds who decide to drop everything and move from the big city to rural Nebraska. Apparently they never watched the horror show known as “Green Acres.” (9:30 p.m., ABC).

WEDNESDAY: The concert documentary “Homecoming,” billed as “a film by Beyonce,” promises an intimate look at Queen Bey’s historic 2018 Coachella performance that paid homage to America’s historically black colleges and universities. It traces the emotional path from creative concept to cultural movement. (Netflix).

WEDNESDAY: “The Amazing Race” is conducting an interesting experiment for its 31st season, pitting memorable former contestants against each other and alums of “Survivor” and “Big Brother.” At stake: $1 million and reality TV bragging rights. (9 p.m., CBS).

THURSDAY: In the Season 4 premiere of “Life in Pieces,” Colleen and Matt try to impress a potential birth mother, but have a tough time competing against a rich, swanky couple. Also, Jen’s pregnancy takes a toll on Greg. (9:30 p.m., CBS).

FRIDAY: Season 5 of the popular cop drama “Bosch” picks up 15 months after our title character (Titus Welliver) finally brought his mother’s killer to justice. But now new evidence in an old case leaves some wondering whether he crossed the line by planting evidence. (Amazon Prime).

FRIDAY: “Ramy” is a fresh new comedy series starring Ramy Hassan as a first generation Egyptian-American on a spiritual journey in his politically divided New Jersey neighborhood. The show explores what it’s like to be caught between a Muslim community that thinks life is a moral test and a millennial generation that thinks life has no consequences. (Hulu).

SATURDAY: “I Am Somebody’s Child: The Regina Louise Story” is a TV film that recalls the real-life journey of a young African-American girl (Angela Fairley) who navigated more than 30 foster homes and psychiatric facilities before age 18, and the one woman (Ginnifer Goodwin) who believed in her. (8 p.m., Lifetime).


          Kate Iselin: Millennials are having less sex than ever - here's why      Comment   Translate Page      
COMMENT: If you were born between 1981 and 1996, I might have some bad news for you: you're a millennial.Yes, you and I are both members of the millennial generation and although we can congratulate ourselves on helping facilitate...
          There's a better way to cover your webcam (and 3-packs start at $26)      Comment   Translate Page      

There's a better way to cover your webcam (and 3-packs start at $26)The jury is still out on whether Mark Zuckerberg will make good on his promise of elevating his commitment to protecting Facebook users' privacy, but we're fairly certain that the tech mogul knows a thing or two about safeguarding his own privacy.A couple of years ago, the wealthiest millennial in the world inadvertently let slip that he performs a DIY trick to prevent hackers from spying on his computer: He covers his webcam and microphone with tape.Thanks to Zuck, what was once something that was practiced only by conspiracy theorists has been adopted by millions of people, including former FBI Director James Comey and the Pope. Even Edward Snowden, the infamous NSA whistleblower who is knowledgeable about surveillance, strongly suggests that you do the same. Read more...More about Cybersecurity, Mashable Shopping, Shopping Stackcommerce, Webcam Safety, and Webcam Covers



          The young Republicans breaking with their party over climate change      Comment   Translate Page      

Millennial Trump supporters are starting to bring scientific reality to their party, but how far are they willing to go?

Donald Trump’s indifference, punctuated by bursts of mocking disdain, towards climate change has been indulged and even cheered by his supporters. The president has called climate science “bullshit”, donned a coalminer’s helmet at rallies and defenestrated federal rules designed to cut planet-warming emissions.

It is becoming harder, however, for Trump to swat away the unfolding crises caused by global warming. American lives are increasingly ravaged by flooding and wildfires and Democrats have seized the initiative with the Green New Deal resolution, which proposes full-scale societal and economic change to eliminate carbon emissions while investing in education, health, transport and a federal jobs guarantee.

Continue reading...
          Ikeas nya koncept – öppnar första butiken på Manhattan      Comment   Translate Page      

Ikea möblerar om i företaget – och utökar sin globala satsning på citynära butiker. Nya varuhuset mitt på Manhattan, New York, innebär ytterligare ett kliv mot att anpassa sig till kundernas skiftande shoppingvanor.


          Millennial Homebuyers Seek Affordability       Comment   Translate Page      

from CoreLogic

-- this post authored by ARCHANA PRADHAN

An increasing number of millennials, those born from 1981 to 1996, are entering the prime homebuying age. The average age of millennials applying for home-purchase mortgage applications was 31 in 2018.[ 1] They were the largest cohort to finance home purchases in 2018, accounting for 44 percent of home-purchase mortgage applications during 2018, up 2 percentage points from 2017. However, the share varies across individual housing markets.

Read more ...


          Millennial Money: Capture savings on professional photos      Comment   Translate Page      

There’s almost always a reason for photographs — an engagement , wedding, graduation, pregnancy, you name it. For many of these occasions, you’ll want a professional on hand who can do more than add a fancy filter to an ordinary snapshot. But hiring a photographer to capture life’s important milestones can be pretty pricey. Here’s […]
          Millennial Money: Capture savings on professional photos      Comment   Translate Page      

There’s almost always a reason for photographs — an engagement , wedding, graduation, pregnancy, you name it. For many of these occasions, you’ll want a professional on hand who can do more than add a fancy filter to an ordinary snapshot. But hiring a photographer to capture life’s important milestones can be pretty pricey. Here’s […]
                Comment   Translate Page      
The emerging costs of climate change are leading some parents to wonder if bringing children into this world is even ethical.
          Millennial Homebuyers Seek Affordability       Comment   Translate Page      

from CoreLogic

-- this post authored by ARCHANA PRADHAN

An increasing number of millennials, those born from 1981 to 1996, are entering the prime homebuying age. The average age of millennials applying for home-purchase mortgage applications was 31 in 2018.[ 1] They were the largest cohort to finance home purchases in 2018, accounting for 44 percent of home-purchase mortgage applications during 2018, up 2 percentage points from 2017. However, the share varies across individual housing markets.

Read more ...


          4/14/2019: Analysis: MILLENNIAL DIARY      Comment   Translate Page      

ACCORDING to Urban Dictionary, the highest internet authority in the land, ‘stan’ is a portmanteau of ‘stalker’ and ‘fan’ — a stan account is a Twitter or Instagram, or whatever the kids are on these days, that is entirely devoted to worshipping one...
          Für Millennials wird der Weg in die Mittelschicht zur Herausforderung      Comment   Translate Page      

millennials

Wie eine neue Studie der Organisation für wirtschaftliche Zusammenarbeit und Entwicklung (OECD) zeigt, ist der Anteil der 20- bis 29-Jährigen an der Mittelschicht heute zehn Prozent geringer, als in vorherigen Generationen. Demnach haben 61 Prozent der Millenials ein mittleres Einkommen. 

Die Generation der Babyboomer, geboren zwischen 1942 und 1964, konnte noch einen Anteil von 71 Prozent verzeichnen. Die nachfolgende Generation X, geboren zwischen 1965 und 1982, lag nur einen Prozentpunkt darunter. 

„Zwischen der Generation X und den Millennials hat es massive Verschiebungen gegeben“, erklärt Dirk Werner, Experte für Qualifizierung und Generationenunterschiede am Institut der deutschen Wirtschaft (IW), gegenüber der „Welt“.

Radikale Arbeitsmarktveränderungen machen Millenials das Leben schwer

Beispielsweise sei die Ausbildungsdauer deutlich angestiegen. Immer mehr junge Menschen erreichen die Hochschulreife und beginnen ein Studium. Dementsprechend beginnt das Berufsleben erst später, was den Einkommensunterschied unter den 20-29-Jährigen erklären könne, so Werner. Die Ergebnisse bedeuten also nicht per se etwas Schlechtes, meint der Experte.

Die OECD kommt zu dem Schluss, dass die Arbeitsverhältnisse der Babyboomer jedoch deutlich besser waren, als die der Millennials. Die heutige Generation sei schlechter vor radikalen Arbeitsmarktveränderungen geschützt.

Insgesamt hat sich der Zustand der Mittelschicht im OECD-Raum negativ entwickelt. Die Untersuchung zeigt, dass der Anteil der Wohnkosten an den Haushaltsausgaben seit 1995 gestiegen ist — von 25 Prozent auf 32 Prozent. In Deutschland betrug der Anteil kürzlich sogar 35 Prozent.

Viele junge Menschen können sich kein Eigenheim mehr leisten

Generell sei der Lebensstil teurer geworden: Mittelschicht bedeute oft, sich ein eigenes Haus leisten zu können, heißt es in dem Bericht. Auf dem Wohnungsmarkt steigen die Immobilienpreise jedoch so stark an, dass sich viele, die zur Mittelschicht gehören, kein Eigenheim leisten können.

Lest auch: Die Chefs von heute haben das mit den Millennials „vergeigt“, sagt eine Management-Professorin

Außerdem „geben heute mehr als ein Fünftel der Haushalte mit mittlerem Einkommen mehr aus, als sie verdienen, was für viele von ihnen ein Überschuldungsrisiko birgt“, so die OECD. Insgesamt würde die Mittelschicht deutlich weniger vom Wirtschaftswachstum profitieren, als die Oberschicht, so der Bericht. Das Einkommen der oberen zehn Prozent stieg um ein Drittel mehr als das der Mittelschicht.

Das könnte euch auch interessieren:

 Hunderttausende Millennials in China versuchen, mit riskanten Anlagen reich zu werden

 Um reich zu werden, investieren immer mehr Millennials in Kunst — eine riskante Strategie

 Experten sind über einen Immobilientrend unter Millennials besorgt, den es seit dem Crash 2008 nicht mehr gab

Join the conversation about this story »


          Hunderttausende Millennials in China versuchen, mit riskanten Anlagen reich zu werden      Comment   Translate Page      

China Yuan Kurs

Für chinesische Millennials — der Generation, die sich gerade im Alter zwischen 20 und 30 Jahren befindet —  schmälern sich aktuell die Möglichkeiten, aus Anlagen Geld zu verdienen. Dabei würde es theoretisch einige gegeben: von Investitionen auf dem Geldmarkt über Peer-to-Peer-Kredite hin zu Fonds für Kleinanlagen. Doch eine Assetform nach der anderen gestaltet sich als nicht gangbar oder lukrativ genug. Was bleibt, ist zu spekulieren — und das ist riskant.

Wie die Nachrichtenagentur Bloomberg berichtet, haben sie jedoch gar keine andere Chance, wenn sie neben ihrem Gehalt noch etwas dazu verdienen wollen. Die Preise für Immobilien in Peking, Shanghai, Shenzhen und Guangzhou sind im Vergleich zum vergangenen Jahr durchschnittlich um 17 Prozent gestiegen. Die Löhne hätten dabei nicht mithalten können. 

Sogenannte Peer-to-Peer-Kredite sind in China sehr beliebt und darüber hinaus sehr ertragreich: Auf Internetplattformen können sich dabei Privatleute Geld leihen. Die Zinsen für solche Kredite liegen meist bei zehn Prozent. 

China will Regeln für Peer-to-Peer-Kredite verschärfen

Doch Peking will die Bedingungen sowohl für die Plattformen als auch für die Nutzer verschärfen. Über umgerechnet 66 Millionen Euro (500 Millionen Yuan) müssen Betreiber an Stammkapital verfügen, um zugelassen zu werden. Das erfüllen gerade einmal sieben der über 1.000 existierenden Kreditplattformen.

Hinzu kommt, dass jeder, der einen Betrag von etwa 6.000 Euro (50.000 Yuan ) leihen will, nachweisen muss, dass er über 66.000 Euro (500.000 Yuan) an Vermögenswerten besitzt oder ein jährliches Gehalt von rund 26.000 Euro (200.000 Yuan) bezieht. Ein Problem für jene, die gerade ins Arbeitsleben gestartet sind — etwa 80 Prozent der chinesischen Millennials verdienen gerade einmal 1.300 Euro (10.000 Yuan) im Monat. 

Auch Geld bei einer Bank anzulegen, lohnt sich nicht unbedingt. Chinesische Banken stellen „Bloomberg“ zufolge aktuell vermehrt Liquidität zur Verfügung, was bedeutet, dass die Zinsen sinken. Mit 1,5 Prozent Zinsen könne man noch nicht einmal die Inflation aufwiegen. Nur Kunden mit viel Geld bekommen bei den Banken die Möglichkeit, mittels Vermögensverwaltungsdiensten bessere Renditen zu erzielen. Nur trifft das auf Millennials meist nicht zu.

Chinesische Millenials werden zu Daytradern

Ähnliches gilt für Geldmarktfonds. Yu’e Bao, der Fonds der Ant Financial Services Group von Alibaba-Gründer Jack Ma, wirft aktuell 2,3 Prozent Rendite ab, der tiefste Stand seit fünf Jahren. Er wird auch von vielen genutzt, denen nur wenige Ersparnisse zur Verfügung stehen.

Lest auch: 12 schaurig-schöne Aufnahmen von gigantischen Geisterstädten in China

Vielen jungen Chinesen kaufen daher kurzfrisitg Aktien nur um sie wieder abzustoßen, immerhin hat der chinesische Leitindex Shanghai Shenzhen CSI 300 2018 um 33 Prozent zugelegt. Die chinesische Regierung warnt vor solchen Spekulationsgeschäften, hat aber gleichzeitig sämtliche anderen Anlageformen verbaut.   

Immerhin — wer Finanzmarktkenntnisse hat, kann von einer neuen Anlageform profitieren. Kommunalanleihen, mit denen Peking Konjunkturprogramme finanzieren wil, wurden kürzlich in einer Höhe von 2,15 Billionen Yuan (280 Milliarden Euro) emittiert und sollen noch in diesem Jahr verkauft werden. Sie sollen nur 13 Euro(100 Yuan) kosten.

Das könnte euch auch interessieren:

 Finanzberater erklärt, was Millennials alle 5 Jahre tun sollten, um reich zu werden

 Um reich zu werden, investieren immer mehr Millennials in Kunst — eine riskante Strategie

 Chinas Millennials sorgen dafür, dass sich ein Trend umkehrt — und diese Konzerne profitieren davon

Join the conversation about this story »


          Learn how to buy and sell property with this cheap online course      Comment   Translate Page      
TwitterFacebook

If you haven't noticed already, millennials really like talking about housing: Grouching about rental prices, musing about where to move next, and researching how to save for a downpayment on a house.

Real estate has become an American past time.

A lot of them are in the game of flipping houses, too. The market's been hot the past few years, so if you ask around you'll likely find you know of someone who has tried their hand at flipping a house.

SEE ALSO: Mother's Day gift ideas for moms who just want a nap and a drink

Maybe you're curious about joining in on the fun. In which case, the million dollar question is: Can you stack up against the pros on some of TV's longest-running real-estate shows? Read more...

More about Real Estate, Home Improvement, Mashable Shopping, Shopping Stackcommerce, and Culture

          There's a better way to cover your webcam (and 3-packs start at $26)      Comment   Translate Page      
TwitterFacebook

The jury is still out on whether Mark Zuckerberg will make good on his promise of elevating his commitment to protecting Facebook users' privacy, but we're fairly certain that the tech mogul knows a thing or two about safeguarding his own privacy.

A couple of years ago, the wealthiest millennial in the world inadvertently let slip that he performs a DIY trick to prevent hackers from spying on his computer: He covers his webcam and microphone with tape.

Thanks to Zuck, what was once something that was practiced only by conspiracy theorists has been adopted by millions of people, including former FBI Director James Comey and the Pope. Even Edward Snowden, the infamous NSA whistleblower who is knowledgeable about surveillance, strongly suggests that you do the same. Read more...

More about Cybersecurity, Mashable Shopping, Shopping Stackcommerce, Webcam Safety, and Webcam Covers
          Comment on Sixers Take Disciplinary Action Over Cell Phone Incident by ChiSoxCity      Comment   Translate Page      
I’m not a boomer, and boomers are two generations removed from millennials. I’m a gen-x’er. FWIW, it does not matter why he had a damn cellphone on the bench during a game.
          Comment on Sixers Take Disciplinary Action Over Cell Phone Incident by Grant      Comment   Translate Page      
Pretty sure my dad is a boomer and I am a millennial so not true
          Comment on Sixers Take Disciplinary Action Over Cell Phone Incident by hiflew      Comment   Translate Page      
Millennials are not boomers' kids, they are their grandkids. Gen Xers are millennials parents and boomers kids.
          Verlander dazzles in throwback duel; Astros earn 8th straight win      Comment   Translate Page      
Caption Close SEATTLE — Beneath a sea of iPhone cameras and Twitter toting millennials, two titans twirled a throwback tussle. Justin Verlander and Felix Hernandez once ruled this sport. They were faces of the American League, back when this ballpark was called Safeco Field and talk of openers was reserved
          Millennials are the demographic most open to self-driving cars, but not by much      Comment   Translate Page      
Ford chief executive Jim Hackett made news a few days ago when he seemed to pour a bit of cold water on the carmaker's autonomous vehicle ambitions, telling the Detroit Economic Club that "we overestimated the arrival" of self-driving cars. Hackett, who was once in charge of the autonomous vehicle unit at Ford, said such cars are still forthcoming from the company in a couple of years as planned, but their applications will be narrow. Making it a reflection of Ford, as other carmakers not named Tesla are currently doing, sort of dipping their toe into the self-driving waters -- as opposed to diving in head-first. A new study from HarrisX sheds some possible light on why that's the case, with a full third of the Americans polled saying they believe self-driving cars are a bad idea. We've reported on data and studies before that reach this same conclusion, such as the American Automobile Association report we told you about just last month showing that most of the general public (71% of respondents) admitted they're definitely afraid to ride in a self-driving car. Here, meanwhile, are some of the key findings from HarrisX's new study: A quarter of respondents admitted they are "very afraid" about the idea of a self-driving car. Just 7% described themselves as "very familiar" with self-driving cars, while almost 60% confessed to having little familiarity at all. Kara Swisher wrote in a New York Times opinion piece last month that "owning a car will soon be as quaint as owning a horse," thanks to the rise of ride-sharing options like Uber and Lyft. However, this new HarrisX analysis shows that, while people generally remain fearful of self-driving cars, Americans of all ages still see car ownership as important, giving them a sense of freedom to go where they want, when they want, as well as owning a car as a rite of passage. Almost 90% of respondents said their concerns about self-driving cars are focused on possible "technology glitches." Also, another 70% believe that self-driving car tech is developing at a faster-than-expected pace. If there's a silver lining in all this, it's arguably that almost 50% of millennials believe self-driving cars are a good idea. Among that group, though, half say they wouldn't feel comfortable in such a car that's driving faster than 65 miles per hour. The larger point about millennials, though, is arguably the most critical finding of the study. It's a demographic that, certainly, will be around longer than older car buyers, giving self-driving car manufacturers the chance to sell maybe as many as two or even three cars to this group over their lifetime. Of course, it's worth pointing out that a majority of millennials still aren't board with this idea, so it will be incumbent on carmakers to do more to win over this demographic as time goes on.
          Millennial Money: Capture savings on professional photos      Comment   Translate Page      

There’s almost always a reason for photographs — an engagement , wedding, graduation, pregnancy, you name it. For many of these occasions, you’ll want a professional on hand who can do more than add a fancy filter to an ordinary snapshot. But hiring a photographer to capture life’s important milestones can be pretty pricey. Here’s […]
          Israeli Millennials, Tilting Right, Helped Elect Netanyahu      Comment   Translate Page      
Israeli Millennials, Tilting Right, Helped Elect Netanyahu
‘The hope or yearning for peace is foreign’ to many Israeli young people who favor security, the economy
This is what happens when you have skin in the game, when you can truly ask what you can do for your country. As opposed to here: oh, cops shooting kids, I’m sad, pay for my education, and don’t ask me to participate in improving things. A few years in the military will relieve you of a sense of entitlement real quick. I also think they don’t really have a Philistine Lives Matter movement over there. They just don’t care about their health, happiness, or well being. Stay on your side of the fence and make sure to wipe your ass really well. If there’s something you want, ask...politely. In 71 years they have demanded lands lost in a war they started. And to think, the three mousketeers in Congress support this barbarism. I keep laughing that the reason the Israeli mission to the moon failed was because they put a philistine in charge of the self destruct mechanism...probably the only job they could handle.-GS

          Twice failed presidential candidate Hillary Clinton tells Dems how they should campaign to beat Trump      Comment   Translate Page      


Hillary Clinton, the former secretary of state who ran two failed presidential campaigns, recently offered Democrats running for president advice on how to best campaign against President Donald Trump.

Clinton's advice came despite her loss to Trump in 2016.

What did Clinton say?

Speaking with CNN's Fareed Zakaria at Tina Brown's Women in the World summit Friday, Clinton offered Democrats running for president two pieces of advice.

"You really have to do two things simultaneously — and it's challenging," Clinton said.

"You do have to present what you want to do," she explained. "What is your vision? What is your hope for our country? How do you see the future? What are you going to propose that will make a difference in the lives of Americans and maintain the values, the ideas of America in a very complex world?"

"So, you bare that responsibility. At the same time," Clinton continued, "you have to be able to counter and ignore where possible, respond where necessary, to the diversion and distraction that we see working, unfortunately, by the current incumbent in the White House."

Zakaria also asked Clinton to respond to comments from South Bend Mayor Pete Buttigieg, who is running for the Democratic nomination and recently told Washington Post magazine about Trump, "at least he didn't go around saying that America was already great, like Hillary did."

According to the Hollywood Reporter, Clinton responded: "I don't want to comment on any of the candidates. Like I said, I think they have a lot to contribute not only to the Democratic party, but to the country. And it will be up to voters to decide who our nominee is."

However, she later went on to criticize Bernie Sanders' Medicare-for-All proposal, which would reportedly cover illegal immigrants.

"The specifics, though, matter," Clinton said. "What are the details? How do we pay for it? Who is going to get what they need? There are a lot of complicated questions."


          Israël l’observe. Pete buttigieg, next u.S. President? Polyglotte, 37 ans, gay, diplômé d’harvard.      Comment   Translate Page      
Pete buttigieg, le jeune maire ouvertement gay d’une ville moyenne des bassins industriels américains, devenu un phénomène de ce début de campagne présidentielle, doit lancer officiellement dimanche sa candidature à l’investiture démocrate pour 2020. a 37 ans, ce millennial diplômé...

          Millennial Males Dominate Podcast Audiences, Political Podcasts Most Popular      Comment   Translate Page      
While a clear majority of consumers (80%) listen to podcasts on mobile devices, most do so at home. That’s according to a new study from the University of Florida College of Journalism and ...
          Why gardening is so much more than a millennial fad to me      Comment   Translate Page      
In all this uncertainty, sometimes plants feel like the only thing that can brighten up our overpriced, rented shoe boxes
          Wat kun je leren van millennials?      Comment   Translate Page      
none
          8 signs you're holding a grudge even if you don't think you are      Comment   Translate Page      

iStock couple serious talk sad outside

  • Holding a grudge likely doesn't make you feel any better about what transpired, but sometimes it just happens.
  • And you may be holding a grudge even if you don't think that you are.
  • Feeling bitter, ignoring that person, getting angry about unrelated things, and thinking about them negatively are all signs you could still be holding a grudge.
  • Visit INSIDER.com for more stories.

Despite your best efforts, it's impossible not to be hurt or disappointed by loved ones at some point in your life.

But often the most challenging aspect of getting hurt is letting go of any lingering resentment after you forgive them. Sometimes, you may find that you're holding a grudge — even if you're doing so unintentionally.

Knowing what sorts of things might mean that you're holding a grudge, even if you don't think you are, can help you figure out a way to move forward.

You lost your cool over something unrelated

When you're holding a grudge, all sorts of things can cause you to get frustrated. Not only that, but you can find yourself taking advantage of any opportunity to let your voice be heard. And that means that sometimes you might get upset over things that really aren't related to what you're actually upset about.

"We may have a grudge towards someone but pretend like things are fine; until an unrelated issue sets us off," Connie L. Habash, a licensed marriage and family therapist and interfaith minister, told INSIDER. "Putting too much cream in the coffee or fighting over the TV remote can turn into a major blow-up due to the backlog of unresolved feelings in the relationship."

Thinking about what you're actually upset about — or why you had that reaction to something that's seemingly minor — can help you figure out what's actually at the root of the issue.

You're avoiding them

Frustrated upset millennial girl sitting alone at cafe table after conflict ignoring friends, young woman feeling jealous rejected offended thinking of bad relations with boyfriend in public place

"Often, we'll find ourselves avoiding someone that we have resentment or an unresolved issue with," Habash said. "We find great excuses to do a task in another room from our partner, become slow to return phone calls from a friend, or feel that we're just too busy to get together."

If you're upset with someone, even if you're not fully aware that you are, you may not want to spend a ton of time with them. It's understandable. But recognizing what's going on and talking things through with them can help you move on.

"If you find yourself avoiding someone you have previously been close to, reflect on what happened the last time you were together, or even further into the past," Habash said. "Consider talking about the problem so that you can feel comfortable with them again."

You still feel bitter

Holding onto feelings of resentment is a surefire way to tell that you're not over an issue. If you're unable to move forward without feeling embittered or angry when you think about the incident, then you're probably harboring a grudge.

"Moving on means choosing not to let the hurt and anger have power over you," Kevon Owen, M.S., LPC, a clinical psychotherapist, told INSIDER. "When the resentment persists, the grudge is still going strong."

When you think about them, your feelings are negative

businesswoman woman looking distant sad office

"The best way to tell if you're holding a grudge is to use your memory," Sal Raichbach, doctor of psychology at Ambrosia Treatment Center, told INSIDER. "Take a look at the feelings that arise immediately after you think about an old friend, a past co-worker or an ex. If your first reaction is negative, it's likely that there is an underlying reason that you feel that way, even if you can't recall what that reason is."

You might not always think that you're still upset with someone over a certain thing, but you very well could be. Thinking about what sorts of feelings a person or situation brings up can help you figure out what's really going on.

You're all about fairness or want to make sure that they see your side of things

If you're mostly concerned with the other person understanding where you were coming from and ensuring that they see your side of things, that's another potential sign that you might be holding a grudge.

"Resentment is the feeling we have been wronged by someone else and holding a grudge is the belief that we will feel better when we have shown the other person how angry we are," Carrie Krawiec, a licensed marriage and family therapist in Troy, Michigan, told INSIDER. "If we can hurt them like they have hurt us."

You might not think that's what you're doing, but it very well could be.

You feel nothing

couple disagreeing anger

Feeling indifferent to a person is another way that you might be able to tell that you're secretly harboring a grudge.

"Preventing yourself from feeling anything requires a lot of effort," Owen said. "Choosing to become emotionally detached and uninterested in someone you're trying to forgive. Why spend that much time and energy ... it's because there's still a grudge."

You cancel plans at the last minute

There are days that you just want to stay in rather than go anywhere — that's true for just about everyone. But if you feel like you need to (or want to) cancel plans with someone, you might want to reflect a bit more on the reason why.

"You might plan to get together with a friend or go out with your boyfriend, but then decide to cancel at the last minute, just because you don't feel right about it or aren't "up to it," Habash said. "The feeling that causes you to want to back out is likely a resentment lurking beneath the surface."

Thinking a bit more about what's going on can help you figure out if you're canceling plans because you truly want to stay in or because there's something else going on.

It's easy for you to get irritated with them

fighting couple

"Think about how much emotional threshold you have towards most people ... even annoying ones," Owen said. "Now compare that to how much emotional reserve you have towards someone you feel wronged you. It's less. It's a wound that's barely healed. Irritability towards someone you're working to forgive is a barrier to overcoming a grudge."

Talking through things with the person in question or working through things with the assistance of a trained professional can help you move forward, once and for all.

SEE ALSO: 13 little things that happy couples swear are the key to a great relationship

Join the conversation about this story »

NOW WATCH: Here's why Lucali is the most legendary pizza restaurant in Brooklyn


          I went to Coachella but I don't plan on going back — here's why it doesn't live up to the hype      Comment   Translate Page      

millennials coachella

Coachella is nothing if not an experience. From the iconic ferris wheel and stunning art installations to the sheer star power and celeb-filled shows, it seems like a pop culture lover's daydream. My experience was one I'll never forget (for a lot of reasons), but Coachella mostly didn't live up to my expectations. So much so that I don't think I would go back.

Don't get me wrong. Coachella had some of the coolest stage set-ups and live performances I've ever seen. Beyoncé was literal perfection and absolutely shook me to my core, but outside of its stellar lineup and ethereal and sunny landscape, the experience was less than perfect.

SEE ALSO: The wildest celebrity looks at Coachella

FOLLOW US: INSIDER is on Facebook

The food and alcohol weren't good and were way too expensive.

When I first saw all the food options that Coachella was going to offer, I was pretty excited. They had everything from corndogs to ramen, but almost none of it lived up to the hype. It didn't help that a simple corndog cost $11 and $14 if you wanted a foot-long. By my estimation, that's $1 per bite. There were only two beer offerings by the larger stages with all the big acts, and even those cost $11 a pop.

Various tents on the festival grounds had different and unique drink options, but those weren't worth the higher price point, either. My friend ordered a sangria on the first day and said it tasted like Crystal Light and basil. She never went back.



You couldn't drink alcohol outside of small designated areas.

When I first learned you couldn't take beer out onto the larger festival grounds, I felt like a kid being scolded for drinking juice on the carpet. But after I thought about it for a while, I realized they were keeping the beer-drinkers quarantined in order to keep the stage areas clean.

This shouldn't have been something we learned after we arrived, though. Coachella sent multiple emails hyping the food and drinks over the weekend, but nowhere did we see that alcohol would only be allowed in designated areas.



The water filling stations were pitiful.

Our reusable water bottles found some use over the weekend, but they certainly weren't being used for their original purpose. On the first day of the festival, it took us nearly an hour to find the first water filling station. It was tiny, pushed to the back of the park, and was barely marked. With the water filling stations pushed to the remote corners of the grounds, it essentially forced the desert festival attendees to purchase water. A plastic water bottle cost $2, and I ended up buying water every day. 



See the rest of the story at INSIDER
          Millennials are building multimillion-dollar beauty empires on their massive Instagram and Snapchat followings, and it's disrupting a centuries-old industry      Comment   Translate Page      

selfie made millionaires and billionaires 4x3

  • From Rihanna to Emily Weiss, more young women are disrupting the beauty space with cosmetic lines that thrive on social media.
  • While millennials are leading the way with the industry's disruption, other generational outliers — notably 21-year-old Gen-Zer Kylie Jenner and 62-year-old Anastasia Soare — are also key players in the trend.
  • Over time, beauty industry marketing has evolved from word-of-mouth and traditional ad campaigns to Instagram tutorials and user-generated content, making it easier than ever to launch a new brand.
  • This has opened the door for celebrities and influencers to create their own beauty brands and sell them to their strong social media followings, transforming fanbase numbers into revenue.
  • This has given rise to a new generation of wealthy women, who sit on top of beauty empire fortunes they created with their own digital prowess.
  • Visit BusinessInsider.com for more stories.

Social media has minted a new type of money maker: the "selfie-made billionaire."

That's what Natalie Robehmed of Forbes dubbed Kylie Jenner, the world's youngest self-made billionaire ever. 

Jenner's $1 billion net worth comes largely from her eponymous cosmetics line, Kylie Cosmetics, which launched in 2015. Three years later, revenue was an estimated $360 million, the company worth $900 million, Robehmed reported. 

While Jenner may be one of the more extreme examples, she isn't an anomaly — a long history of women have accrued wealth by building beauty empires. The first female self-made millionaire, Madam CJ Walker, built her fortune off a line of hair care products she developed in 1905, according to Isis Madrid of Broadly. Beauty mavens Estée Lauder and Bobbi Brown started their brands decades before the millennium.

In 2018, Jenner was a newcomer to Forbes' richest self-made women list, along with Forbes' other "Instagram-savvy makeup moguls" — Anastasia Soare, Huda Kattan, and Kim Kardashian West, who all also have their own beauty lines.

Then there's Emily Weiss, founder and CEO of cult beauty brand Glossier. On March 19, the direct-to-consumer beauty brand hit unicorn status with new funding that put its value at $1.2 billion, reported Katie Roof and Yuliya Chernova of The Wall Street Journal

While these women aren't the first of their kind to build wealth by tapping into the beauty industry, they are part of a growing number of women who have successfully done so by leveraging social media. What's changed isn't the idea of starting a cosmetics line, but how millennials are disrupting the process in today's technological age while propelling fast company growth and amassing personal fortune.

Read more: Meet the 7 women who made Forbes' richest self-made women list for the first time, including almost-billionaire Kylie Jenner

Estée Lauder and Bobbi Brown got their start through word-of-mouth

"Getting a brand known has from the beginning involved word-of-mouth and getting attention from an influential journalist," Geoffrey Jones, a professor at Harvard Business School and author of the book "Beauty Imagined," told Business Insider.

Estee Lauder

Consider Estée Lauder: "She gave away 80 of her lipsticks as table gifts for a charity luncheon in the Waldorf-Astoria," Jones said. "The rich guests then walked over to the nearby Saks Fifth Avenue to ask for it."

In 1947, Lauder received her first major order for $800 worth of products from Saks. She grew her business with traditional print advertising and word-of-mouth campaigns, believing that women who liked her products would spread the word. In 2018, the company reported $13.68 billion in net sales and Bloomberg estimated the Lauder family to be worth $24.3 billion.

The beauty behemoth now has nearly 30 brands in its portfolio; in 1995, it acquired Bobbi Brown Cosmetics, making the line's namesake founder a millionaire, reported CNBC's Catherine Clifford

Bobbi Brown

Being bought by a big firm is a sign of success, Jones said. Bobbi Brown, who told Inc. she began the line with $10,000, also favored a word-of-mouth strategy. By talking to strangers and friends, she found a business partner, landed a mention in Glamour magazine, conducted market research, connected with a Bergdorf Goodman cosmetics buyer, and secured regular appearances on The Today Show, according to Clifford.

But that was before the disintegration of traditional distribution channels, which Jones said has happened over the past decade.

Anastasia Soare

Look no further than Soare's Anastasia of Beverly Hills line to see this shift in action. According to Forbes, it's one of the first beauty companies to use a successful social media strategy — but Soare didn't begin that way.

The aesthetician first became a celebrity favorite in the early 1990s for perfecting the eyebrow. In 2000, she took the traditional route, launching her first line of products in 20 Nordstrom stores, reported Forbes. But it didn't really take off until Soare took to Instagram in 2013 with a viral social media campaign, which helped land her products in Sephora.

Today, the company's Instagram has 19 million-plus followers, and the company has a Forbes estimated value of $1.5 billion. Soare herself is worth an estimated $1 billion, making her one of the world's richest self-made women.

Read more: This self-made billionaire built her fortune after fleeing communism in Romania in the 80s and building a salon beloved by Jennifer Lopez and Kim Kardashian

A shift to digital means brands can make the consumer an influencer

As Soare's success indicates, "Social media has become the new door-to-door," Jensen said, adding it "allows consumers to research, investigate, and gather information on everything from ingredients to brand values to see if they align to their own. The brands that use social media well are leveraging it to build a two way street of communication with their followers and because of that, they get buy-in to the brand."

Consider Weiss, who realized that social media was "transforming the way beauty products were talked about and bought," and intended to disrupt the industry, wrote Amy Larocca of The Cut, hailing her as the millennial Estée Lauder.

"There are a handful of beauty conglomerates, and it's difficult for them to innovate," Weiss, who uses social media as market research, previously told Business Insider. "Beauty has really gone online, because that's where the customer is."

In 2010, she launched the blog Into the Gloss. It soon became popular among beauty mavens, amassing 10 million page views per month, according to Alyssa Goacobbe of Entrepreneur — a solid platform on which to launch the first four Glossier products in 2014.

emily weiss glossier

Instead of aiming at wholesale, Weiss intended to crowdsource — through social-media platforms, affiliate sponsorships and links, and gossip, wrote Larocca. As Gaby Del Valle of Vox puts it, Glossier's success lies in treating its customers like influencers.

To market a new blush, Cloud Paint, Weiss hired makeup artists to use it on Oscar-attending celebrities and post the results on social media, Giacobbe wrote — regrams resulted in 1,700 user-generated images in one week; by one month, Instagram had 6,368 Cloud Paint images.

In a recent podcast interview, Weiss said that Instagram "has been an incredible tool to show a lot of user-generated content." 

While Weiss' net worth is unknown, the $1.2 billion value of Glossier says enough.

Read more: This beauty startup has become so popular that it has 10,000 people on a waitlist for lipstick

A social media following equals revenue for celebrities foraying into beauty

"Having a large social media following equates to sales," Jensen said.

A strong social media presence is so directly tied to revenue that it can lay the whole foundation for a beauty empire's success — those with stardom and a following already have a fanbase with built-in customers, and nowhere is that more visible than in Kylie Jenner's and Rihanna's respective beauty empires.

"It's the power of social media," Jenner told Robhemed. "I had such a strong reach before I was able to start anything."

Jenner launched Kylie Cosmetics to 50 million Instagram followers on her personal account, reported Sarah Grossbart for E! News. Nearly four years later, that number has more than doubled. "With more than 100 million Instagram devotees, she need only post a selfie touting her shade of the day and her young followers clamor to add it to their carts," Grossbart wrote.

kylie jenner

Dubbed "Cosmetics Queen" by Forbes, Jenner continues to push direct-to-consumer Kylie Cosmetics by sharing products, announcing launches, and previewing new items to her 175 million-plus followers across Snapchat, Instagram, Facebook, and Twitter, Robhemed reported

"I don’t pay for advertisements," Jenner told Fast Company. "I don’t do commercials. Social media is the only way I push it: Snapchat, Instagram."

She didn't sign her first distribution deal until three years later, with Ulta, which she pushed with her "usual social media," Jenner told Robhemed — it sold an estimated $54 million worth of products in the first six weeks.

Read more: How Kylie Jenner became the world's youngest self-made billionaire, from starring in a reality TV show at age 9 to running a $900 million cosmetics empire at 21

Similarly, Rihanna, who has an estimated $260 million net worth and nearly 69 million Instagram followers, launched Fenty Beauty at New York Fashion Week in 2017 — and she first alluded to with an Instagram teaser. In just one month, it made $72 million in earned media value (the potential value it would have earned if paid for all exposure on social media platforms), outpacing Kylie Cosmetics according to a Tribe Dynamics' Cosmetics report released by WWD.

rihanna fenty beauty

About 132 million people watched Fenty beauty tutorials in the first month of its launch, reported Janice Williams of Newsweek. Within its first 40 days, Fenty brought in $100 million in sales, according to Vogue.

"Fenty Beauty’s social media game has had a clear impact on its success," Williams wrote. "While Rihanna's social media handle flooded Twitter, Instagram, Snapchat, and YouTube with photos, videos and tutorials, millions of people used their own social media accounts to show off their products and offer testimonials."

In its first year alone, Fenty made $566 million, reported the Business of Fashion, citing an LVMH report — it took Estée Lauder 10 years to earn $500 million, according to WWD.

Read more: Rihanna is reportedly launching her own line with one of the biggest luxury companies in the world as her fashion empire continues to grow

Youtube creators translate their personalities into beauty brands

Not every beauty influencer is a celebrity — some gained notoriety because of YouTube or Instagram, and successfully translated their social media personalities into massive beauty brands and multimillion-dollar net worths.

Huda Kattan, called one of the most influential beauty bloggers in the world by The New York Times, began sharing makeup tutorials, how-to videos, and tips on Instagram and YouTube in 2010. Her following grew so much that when she launched synthetic and faux mink lashes in 2013, they sold out on her first day. Today, she has over 577 million Instagram followers between her personal and private accounts and 3.1 million YouTube subscribers.

Huda Kattan

Kattan told CNN Instagram was the turning point. "It was the catalyst that changed everything," she said. "It changed the dynamics in which people not only communicate but are inspired as well."

Retail sales for Huda Beauty hit $1.5 million the first year — revenue for 2018 was expected to be $300 million, according to ForbesForbes valued her company at $1 billion and Kattan herself worth $500 million, based largely on their "valuation of her stake in the company." 

It's a similar success story for influencer Michelle Phan, who got her start sharing beauty tutorials and guides on YouTube — 40,000 people watched her first video the first week; the now defunct channel has nearly 9 million subscribers.

Michelle Phan

Phan, reportedly worth $50 million, parlayed that success into the cosmetics industry with makeup subscription company Ipsy in 2011, valued at $800 million with more than 1.5 million subscribers just five years later, according to Yahoo. In 2013, she launched her own cosmetic line for L'Oreal called EM Cosmetics. 

"Influence is the new power — if you have influence you can create a brand," Phan told Forbes.

Beauty is booming

It's easy to see why more influencers and celebrities are entering the beauty space — and the effect they're creating when they do. The beauty industry has grown exponentially over the last three decades, Jones said. As of 2010, the beauty industry had global sales of $330 billion worldwide, according to "Beauty Imagined."

"In the past, luxury brands sold through department stores and mass brands sold through drugstores," Jones said. Now, though, "the whole market has fragmented, providing the opportunity for the launch of many new brands."

Over 1,000 beauty brands have entered the prestige market since 2015 because it's lucrative, healthy, and profitable, Larissa Jensen, beauty analyst at The NPD Group, told Business Insider.

It's also easier than ever before to create and launch a brand, Jennifer Walsh, co-founder of retailer Beauty Bar, consultant, and brand marketer, told Business Insider. And the power of digital has made it even easier to reach consumers.

"For decades, we had to rely on print media and TV to introduce a brand or products," she said. "Now, we can have our own channel online. If you have a great product, beautiful packaging, and are good at storytelling, you can truly get your message/product out to others quickly."

Join the conversation about this story »

NOW WATCH: Realtors tout home listings without popcorn ceilings. Here's how to get rid of the outdated eyesore if it's in your home.


          Democrats Can Repair Free Enterprise—or Destroy Themselves      Comment   Translate Page      
Photo Illustration by Elizabeth Brockway/The Daily Beast

The U.S. economy is chugging toward a new record for longest expansion, and middle-class families, finally, are seeing decent wage gains. Yet our political leaders, as if stuck in a time warp, keep peddling a bleak narrative of economic victimhood and defeatism.

Populists tell U.S. workers “global capitalism” is rigged against them. Sen. Elizabeth Warren calls for breaking up “big tech” America’s most innovative companies—because they are, well, just too big. Among millennials, socialism’s stock is soaring. Even some prominent libertarians are defecting from the free market camp and learning to love the welfare state.

What a change from the 1990s, when nearly everyone seemed certain that socialism was dead and buried and democratic capitalism reigned supreme around the world.

Read more at The Daily Beast.


          Meet the most powerful Goldman Sachs banker you've never heard of; Silicon Valley has made top data-science talent too expensive for many hedge funds      Comment   Translate Page      

 

Dear Readers,

It was "millennial money week" here at BI, where we got the results back from an INSIDER and Morning Consult survey that polled 4,400 young Americans on their spending habits. 

We published a number of stories based on the results. Here are some of the key findings. 

If you're new to the Wall Street Insider newsletter, you can sign up here.

Finances

1) Twenty-eight percent of millennials think they're worse off financially than they thought they'd be a decade ago.

2) A variety of economic factors have played a role in delaying some millennials' wealth-building process. The Great Recession, student-loan debt, and a higher cost of living have made it difficult for millennials to save.

College

1) Nearly half of millennials who have or have had student-loan debt think college wasn't worthwhile.

2) The divide between people who do think college was worth it and those who don't is clear: Millennials who are still paying off their student-loan debt feel worse about having gone to college than millennials who have already paid off their debt.

Retirement

1) Many Americans expect to buy a house or retire one day but aren't saving for it.

2) One-quarter of millennials who expect to retire between ages 66 and 75 have no retirement savings account.

3) Nearly half of Gen Xers have no retirement account, despite most expecting to retire between 56 and 75.

But, despite all of these money worries, our survey shows that millennials aren't curbing their spending. In fact, if given an extra $1,000 in a month, millennials and baby boomers would spend similarly. And while millennials are delaying major life events such as buying a house and having kids (due in large part to massive student loan debt), they aren't abandoning these things entirely. 

Bottom line: millennials have been accused of killing razors, mayo, golf, weddings, beer, and cereal. The rationale for this (at least according to the Fed) has been that it's because younger Americans don't have as much money to spend than previous generations. But the truth is a lot more complicated. 

Thanks for reading and have a great weekend! 
Olivia


Rich Friedman goldman sachs merchant banking

'It's good to be Rich': Meet the Goldman Sachs banker who has built a private investing empire that goes head-to-head with Blackstone — and you've probably never heard of him

The Champagne was flowing in February 2018 when the Goldman Sachs executive Rich Friedman welcomed a couple hundred guests to the Rainbow Room. The Manhattan landmark, opened in 1934, offers a menu with beef Wellington and baked Alaska and serves a $162 brunch. Overlooking Manhattan from the 65th floor of Rockefeller Center, guests danced and chatted as Stevie Wonder played piano.

On the surface, the event was a celebration of Friedman's 60th birthday. But it could have easily been a celebration of a Goldman Sachs career entering its golden years. Therecent retirement of CEO Lloyd Blankfein made Friedman the longest-tenured partner at Goldman.

Since 1991, Friedman has built the bank's private-investing activities into a sprawling collection of funds that have invested more than $180 billion in real estate and infrastructure, private equity, and credit markets that often competes with flashier investment firms like Blackstone, Carlyle, and KKR.

Though advocates put him in the pantheon of buyout greats, Friedman hasn't enjoyed the same name recognition as men with names like Schwarzman, Kravis, and Rubenstein. That's by design, according to interviews with about a dozen current and former colleagues, clients, and competitors.

READ MORE HERE >>

Tim Throsby sent an email to Barclays' CEO with the title 'irreconcilable.' He warned that a plan to gut compensation by 20% and boost profitability was unrealistic.

Tim Throsby, a former JPMorgan banker hired by Barclays to much fanfare to run its investment bank, drafted an email over the weekend of March 23 to 24. By the time he got around to sending it to CEO Jes Staley, he was already out.

The subject line of the email, according to someone who had seen it, was "irreconcilable."

The email was sent to Staley and a number of other senior leaders on March 28, a day after Throsby's shock departure from Barclays was announced, and rehashed the concerns he held over his boss' strategy. The email said Staley planned for cost reductions and job cuts — including a 20% cut to total compensation — for Barclays International, as well as a reduction in reserves held in case of credit losses, according to the person.

READ MORE HERE>>

Silicon Valley has made top data-science talent too expensive for many hedge funds, so they're getting creative to compete

On one side, there are billions of dollars from the world's biggest investors ready to be run by your algorithm. On the other, there's a chance to work at the most talked-about companies on the planet —right as they promise to turn their employees into millionaires overnight.

The battle for top tech talent between Wall Street and Silicon Valley is nothing new, but it's reaching a fever pitch in the hedge fund industry, industry participants and consultants said, as both sides eye billions of dollars up for grabs thanks to a host of buzzy tech unicorns expected to go public, like Uber, Slack, and Pinterest.

This Silicon Valley gold rush has forced hedge funds to grapple with a problem they hardly ever run into: The industry is being outbid for the top talent.

READ MORE HERE >>

YieldStreet, a fintech company offering exotic investments in things like art, but experts are warning about the risk

Wealthy individuals who want to reap the financial benefits of investing in a Monet without actually owning an $80 million painting will soon have a new option.

YieldStreet, a financial platform that offers exotic investment products like marine finance and loans to law firms to the mass affluent, is buying an company called Athena Art Finance from private equity firm Carlyle in a deal valued at $170 million. YieldStreet's 100,000 investors will be able to invest in art financing as a result of the deal.

The deal comes as more financial technology players are trying to open up access to investments previously reserved for institutional or ultra-wealthy investors, such as private equity. Earlier this week, Nasdaq and iCapital, a BlackRock-backed alternative investment company, said they're working to create a platform that will launch later this year to allow private fund investors to sell their stakes before the end of a fund's life.

READ MORE HERE >>

BlackRock-backed iCapital is teaming up with Nasdaq to create a private equity fund selling platform for wealthy investors

As wealthy individuals get into private equity and other illiquid investments in greater numbers than ever, they're increasingly looking for ways to get out, too.

Institutional investors, who long dominated strategies like venture capital, private equity real estate, and private credit, have worked with advisers to sell their fund stakes on the secondaries market. That option hasn't been available to individual investors, who may not be able to keep their capital locked up for the decade or longer that a private fund requires.

Nasdaq and iCapital, a BlackRock-backed alternative investment company, are now seeking to give investors that option by creating a platform that will launch later this year, executives told Business Insider.

READ MORE HERE >>

An inside look at Digital Asset, the blockchain company that's shifting strategies as Wall Street loses interest in the technology

A blockchain company that no longer deals solely with blockchains.

Digital Asset made a name for itself as a leader in how distributed-ledger technology would be implemented on Wall Street when it burst onto the scene in 2014. Big-name backers, large funding rounds, and a former high-profile bank executive caused it to turn heads.

Five years later the industry is still considering how best to implement distributed-ledger technology. While nearly every Wall Street firm has invested resources into investigating blockchains, real-world applications of the technology beyond pilot programs have been largely nonexistent.

READ MORE HERE >>

Wall Street move of the week:

Barclays just lost two more executives as Ravi Singh departs after only four months

In markets:

In tech news:

Other good stories from around the newsroom:

Join the conversation about this story »


          2 of America's most acclaimed wealth managers for the ultrarich explain why a famous approach to retirement investing is dead wrong — and reveal what people should do instead      Comment   Translate Page      

early retirement

  • Two of the most successful wealth managers in the US say the most basic approach to retirement investing — that younger people need stocks and older people should own bonds — is wrong.
  • Jeff Erdmann of Merrill Lynch and Peter Mallouk of Creative Planning have different criticisms of the philosophy, but both say investors need a different approach.
  • Forbes has ranked Erdmann as the best wealth manager in the US for three years in a row, while Barron's named Mallouk the no. 1 independent wealth manager four times in the last six years.
  • Visit BusinessInsider.com for more stories.

It's one of those things everyone who has thought about retirement knows: Younger people are supposed invest in stocks, and older people should mostly own bonds.

But two of the most respected wealth managers in the country say that's a bad approach.

The objections come from Jeff Erdmann, who has topped Forbes' list of the best wealth managers in America for the last three years, and Peter Mallouk, who Barron's named the no. 1 independent wealth advisor four times since 2013.

Both are very positive on stocks as long-term investments. That partially reflects their focus on wealthy families and maintaining wealth that can last for generations. But their concerns about the traditional strategy also have major implications for everyday investors and anyone with a 401(k).

The standard thinking about retirement investing is that younger people should own on high-growth assets like stocks, and as the years pass they should gradually get more conservative to get a steady stream of income and protect against big losses. The non-traditional response?

"You should throw that philosophy out the window," Erdmann said in a phone interview with Business Insider.

Erdmann, who works in Merrill Lynch's private banking and investment group, says that investors get such weak returns from bond, CDs and similar assets that they can't rely on them the way they did when that conventional wisdom was established.

Read more: America's No. 1-ranked wealth manager for the ultrarich breaks down the 3 mistakes every millennial investor should avoid — and what they should do instead

For example, the yield on the 10-year Treasury note was more than 10% in 1985, but hasn't touched 5% since early 2001. Last year markets were startled when the 10-year yield briefly "spiked" above 3%. Other conservative investments also don't provide the kind of returns they did in decades past.

"Whether you’re 88 or 18, (with) where we are in the interest rate cycle, your asset allocation is going to not necessarily be tremendously different," Erdmann said.

That's been a big contributor to the 10-year bull market in stocks: More conservative options just haven't appealed to a lot of people for many years. And it's not clear if it will change any time soon.

While Erdmann's objection to the traditional retirement strategy is based on the modern easy-money, low-interest-rate environment, Peter Mallouk of Kansas City-based Creative Planning says he doesn't think the strategy has ever been a good idea.

"The way the industry selects portfolio management ... doesn’t make sense," he said. "It just never has made sense."

Mallouk runs a $39 billion company that was named by Barron's as the best independent wealth management firm in 2017. He told Business Insider that age is nearly irrelevant to retirement investing.

Read more: America’s biggest wealth manager oversees $39 billion for the ultrarich. Here are the 5 ways he says you can invest like 'the millionaire next door.'

In his view, the only thing that's really important is the needs of the investor. A well-off young person with minimal needs can make conservative investments, and an older person who is behind on retirement saving needs to be more aggressive.

Mallouk says the traditional investing philosophy can leave retirees without enough money to meet their needs late in life. 

The two views have different implications: If you agree with Erdmann, you might conclude that investing more heavily in bonds as you age makes sense assuming yields rise substantially in the future. But if you hold with Mallouk, you would focus more on stocks even into retirement.

SEE ALSO: MORGAN STANLEY: This earnings season is the 'moment of truth' for stocks. Here's why the signs are pointing to a major disappointment for investors.

Join the conversation about this story »

NOW WATCH: The founder and CIO of $12 billion Ariel Investments breaks down how his top-ranked flagship fund has crushed its peers over the past 10 years


          Learn how to buy and sell property with this cheap online course      Comment   Translate Page      
TwitterFacebook

If you haven't noticed already, millennials really like talking about housing: Grouching about rental prices, musing about where to move next, and researching how to save for a downpayment on a house.

Real estate has become an American past time.

A lot of them are in the game of flipping houses, too. The market's been hot the past few years, so if you ask around you'll likely find you know of someone who has tried their hand at flipping a house.

SEE ALSO: Mother's Day gift ideas for moms who just want a nap and a drink

Maybe you're curious about joining in on the fun. In which case, the million dollar question is: Can you stack up against the pros on some of TV's longest-running real-estate shows? Read more...

More about Real Estate, Home Improvement, Mashable Shopping, Shopping Stackcommerce, and Culture
          There's a better way to cover your webcam (and 3-packs start at $26)      Comment   Translate Page      
TwitterFacebook

The jury is still out on whether Mark Zuckerberg will make good on his promise of elevating his commitment to protecting Facebook users' privacy, but we're fairly certain that the tech mogul knows a thing or two about safeguarding his own privacy.

A couple of years ago, the wealthiest millennial in the world inadvertently let slip that he performs a DIY trick to prevent hackers from spying on his computer: He covers his webcam and microphone with tape.

Thanks to Zuck, what was once something that was practiced only by conspiracy theorists has been adopted by millions of people, including former FBI Director James Comey and the Pope. Even Edward Snowden, the infamous NSA whistleblower who is knowledgeable about surveillance, strongly suggests that you do the same. Read more...

More about Cybersecurity, Mashable Shopping, Shopping Stackcommerce, Webcam Safety, and Webcam Covers

          This millennial couple was over $100K in debt; being frugal helped them pay it all off      Comment   Translate Page      

NerdWallet interviews people who have triumphed over debt using a combination of commitment, budgeting and smart financial choices. Responses have been edited for length and clarity. Ben and Melissa Panter of Mount Laurel, New Jersey, had always been what Ben calls “above-average savers” — they lived frugally and coordinated schedules to avoid day care expenses. […]

The post This millennial couple was over $100K in debt; being frugal helped them pay it all off appeared first on RocketNews | Top News Stories From Around the Globe.


          Mensagens contra aborto são exibidas em painel gigante em Nova York      Comment   Translate Page      
Mensagens contra aborto são exibidas em painel gigante em Nova York #source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F671563

A associação estudantil pró-vida Estudantes pela Vida da América (Students for Life of America, SFLA) está patrocinando um anúncio de vídeo gigante para esta semana na Times Square, em Manhattan, falando contra o “extremismo do aborto” em Nova York.

O Estado de Nova York tornou legal o aborto até o nascimento, algo que apenas sete outros estados tinham feito anteriormente. A lei atraiu a indignação dos grupos pró-vida em todo o país.

Para manifestar esse desagrado, a SFLA escolheu a cidade de Nova York para realizar seu evento de gala, que aconteceu na quarta-feira (10) e este ano foi intitulado “Chamado para trazer luz às trevas”.

O grupo então decidiu usar a Time Square para propagar em um painel gigante sua mensagem pró-vida.

“Quando perguntei aos nossos apoiadores se eles queriam enviar mensagens pró-vida na Times Square, a resposta foi ressoar SIM”, disse o presidente da SFLA, Kristan Hawkins, em um comunicado.

O anúncio aparece em vídeo com 15 segundos de duração em uma das telas gigantes, onde será visto pelo menos 720 vezes.

O anúncio apresenta três mulheres segurando cartazes de protesto pró-vida que incluem links para StudentsForLife.org.

“Eu não confio na Planned Parenthood”, diz uma placa. “Hoje, a Planned Parenthood vai acabar com a vida de 910 seres humanos”.

O segundo anúncio diz: “Eu rejeito o extremismo do aborto”.

“Apenas 7 por cento dos millennials apóiam o extremismo do aborto feito legal no estado de Nova York”, diz a mensagem.

O terceiro afirma: “A geração pró-vida chegou a votar contra o extremismo do aborto”.

De acordo com Kristan Hawkins, a SFLA teve que “lutar” para transmitir sua mensagem na Times Square, já que sua solicitação de publicidade foi rejeitada duas vezes por outras empresas.

“Mas não desistimos dos campi universitários, mesmo quando enfrentamos ameaças de violência e Nova York”, afirmou a presidente da organização.

Kristan enfatizou que o aborto tardio e o infanticídio para bebês nascidos durante o aborto representam a “questão dos direitos humanos de nossos dias”.


          Viajando podemos mejorar el planeta      Comment   Translate Page      

Las primeras lecciones que aprendes cuando viajas a otros continentes y culturas es que, a pesar de todos los problemas de nuestra sociedad occidental, somos unos privilegiados. Lo normal en esta vida es nacer en un país que no te ofrezca seguridad, desarrollo ni libertades. Quien lo ponga en cuestión que se dé un paseo por África, Asia o América Latina y me lo cuente después.

El aprendizaje del viajero continúa cuando vas tomando conciencia. Empiezas a observar la realidad y lo que ves pone los pelos de punta. Los animales que hacen simpáticas acrobacias están explotados, los niños de las calles de África son souvenirs paraviajeros que buscan adulación en Instagram, las ciudades están llenas de mierda y los mares se ahogan en plástico. 

Hay viajeros que prefieren mirar a otro lado negando la realidad o minimizando el impacto. Otros intentamos viajar de forma responsable y desde el confort concienciar en nuestros blogs. También hay unos pocos que después de viajar por medio mundo y ver cómo el planeta se carcome a velocidad de banda ancha, deciden pasar a la acción. Bertolt Brecht llamó a esa gente los imprescindibles. 

Uno de esos imprescindibles es Javier Godínez. Un millennial informático de Torremolinos que decidió dejarlo todo para viajar por el mundo y contarlo desde su blog Vivir para viajar, antes de hacer las cosas para las que había sido programado: trabajar como Business Development Specialist en una empresa multinacional de turismo.

Javi es de los viajeros que no mira para otro lado. Empezó a buscar una fórmula para aprovechar la enorme energía que produce la simple acción de viajar. El desafío era conseguir que el tiempo y la movilidad que generan cientos de miles de viajeros de todo el mundo se transformara en una serie de acciones éticas, seguras y sostenibles para el planeta y las comunidades más vulnerables.

Como buen informático, ha creado una plataforma para facilitar la búsqueda de proyectos a aquellas personas interesadas en realizar viajes solidarios de forma independiente.  

Además de esto, Javi es de las personas a las que les gusta vivir experiencias en primera persona. En Agosto de 2018 participó como voluntario en un proyecto que consistió en la entrega de 175 filtros purificadores de agua en comunidades rurales de Ecuador. Pero se no quedó ahí, ya que haciendo uso de las herramientas que hoy en día están a nuestra disposición y mediante campañas de crowfunding, posicionamiento SEO y embaucar a media comunidad blogger, puso en marcha una segunda fase mucho más ambiciosa. En apenas unos meses, consiguió los fondos para ayudar a más de 300 familias y escuelas de Ecuador que quedaron fuera del proyecto por falta de recursos.

Esta campaña de dotación de filtros de agua había sido todo un éxito y en lo personal una experiencia increíble. Un gran viaje de varios meses que saca a relucir todas las virtudes que los viajes solidarios ofrecen: visitar lugares alejados de lo turístico, convivir con comunidades locales, aprender del país desde sus realidades (y no desde sus museos), mejorar vidas con un viaje, el cual vives y compartes en primera persona.

Una acción solidaria con la que presumir ante antiguos compañeros. Pero esa no es la forma de actuar de los imprescindibles. 

Javier se lanzó a crear un nuevo proyecto que no se limitara a una acción puntual en un lugar concreto. Partiendo de la idea de aprovechar la energía que genera la acción de viajar para revertirla en ayuda, creó Viaja, Disfruta y Ayuda, una ONG que no se limita únicamente a promover el turismo responsable y organizar programas de voluntariado.  

Cuando tomas un vuelo para ir a un nuevo destino, tienes la capacidad de facturar una maleta extra llena de material escolar, medicinas o filtros potabilizadores de agua. Tu tiempo como viajero es muy valioso y puedes usarlo para tumbarte en una playa a tomar el sol o hacer lo que hicieron Javi y sus amigos en Indonesia. Estando en Bali fueron un día a la playa a bucear y otro día fueron a retirar cientos de kilos de plástico con la organización local Trash Hero

El nivel de degradación al que ha llegado el planeta es tan grande que las acciones que se están llevando a cabo para revertir esta situación, además de tardías son aún muy pequeñas. Ser una persona que no deja huella ecológica ni impacto social cuando viajas es muy importante, pero no es suficiente. Empieza a ser necesario que nuestros viajes reporten bienestar a los países que visitamos. Como la ballena de plástico que construyeron en Costa Rica entre varios voluntarios, con el objetivo de concienciar sobre la importancia de reducir el uso de plásticos.

Si tienes pensado ir de viaje y quieres aportar algo de tu energía, tu tiempo o simplemente espacio en tu equipaje para llevar material, entra en la web de Viaja, Disfruta y Ayuda. Este click puede llevar agua potable a una escuela de Brasil.

 

Síguenos también en el Facebook de El HuffPost Blogs


          Inside The Millennial Mind The Rapid Rise Of New Generation #infographic      Comment   Translate Page      
Inside The Millennial Mind The Rapid Rise Of New Generation

Everyone seems to be talking about Millennials today. It’s not just because they are the largest generation by population size – though that certainly doesn’t hurt. It’s because we’re all fascinated with them – news coverage, political campaigns, and of course, marketers trying to figure out how to reach them. But beyond their size, what is it about this generation that has everyone so captivated? It’s their unique sense of self (for lack of a better word), their surprisingly optimistic outlook on life (despite the harsh economic realities they face), and their less than traditional approach to life stages.

          18 Times Millennials Screwed Up In The Most Millennializational Way      Comment   Translate Page      
Kings/queens of fails. View Entire Post › - Source: www.buzzfeed.com
          10 Things In Broad City That Are Too Real About Being A 20-Something Woman      Comment   Translate Page      
<a href="https://screenrant.com/tag/broad-city/"><em>Broad City</em></a> is one of the few shows on TV that accurately portrays women in their 20's. According to Amy Poehler (aka Broad City's executive producer), "Women always have to be the eye rollers, as the men make a mess. We didn't want that. Young women can be lost, too". We could not be more thankful for a show that provides an honest look into the lives of young millennial women who don't always have it together. It's a refreshing break from the glitz and glamour of shows like <em>Friends</em> and <em>Gossip Girl</em>, which portray young people who have everything they could ever want in New York City without lifting a finger.
          Smart Home Features that Can Drastically Increase the Value of Your Home      Comment   Translate Page      

A recent survey found that 40 percent of realtors believe smart homes sell faster no matter what they’re priced at, in part due to better energy efficiency something that millennials consider to be one of […]

The post Smart Home Features that Can Drastically Increase the Value of Your Home appeared first on Architecture Art Designs.


           EXCLUSIVE! Kareena Kapoor Khan to play Poo from Kabhi Khushi Kabhie Gham again? (read inside details)       Comment   Translate Page      

This might be the BEST news for anyone who is a huge fan of Kareena Kapoor Khan’s Poo character from Kabhi Khushi Kabhie Gham! It is touted that the talented actress has been roped in by Dharma Productions to play this memorable character yet again but with a twist! Karan Johar’s production house is planning to build content on the OTT platform and it includes a web series with a central character of Poo! It is interesting to note that the role will be an extension of her character and it will be relevant to the current times.

A source close to the project has exclusively told Bollywood Hungama, “The project will be made for a major OTT platform. The show revolves around her character POO from K3G and the makers will have a modern-day take on the character.” There has been a lot of talk about the character on social media and therefore it has some really amazing prospects! Over the last few years, Poo has become a sort of a feministic icon and some millennials also claim that the role was way ahead of the times.

Kareena, on a professional front, has wrapped up Good News with Akshay Kumar. She is currently on a family holiday. She along with Saif Ali Khan and Taimur Ali Khan have gone to Pataudi to spend some quality time with each other. She will be working next on Karan Johar’s ambitious next, Takht. There is also a talk that she has been approached for Irrfan Khan’s highly anticipated comeback movie, Angrezi Medium.

Also Read: Kareena Kapoor Khan reveals about her character POO from Kabhi Khushi Kabhie Gham


          How hotels can capture more millennial bookings      Comment   Translate Page      
Shutterstock#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F725368 More and more, travelers are looking to personalize their holidays and to fully immerse themselves in the fabric of the destination they choose.
          A full recap of the Millennial Travel Forum Los Angeles      Comment   Translate Page      
Shutterstock#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F725374 The Millennial Travel Forum, which took place in L.A. from March 31 - April 4, was first launched last year to showcase millennial travel agents as the industry’s real influencers.
          Accessibility and its discontents      Comment   Translate Page      
When I started blogging a decade and a half ago, I took for granted that it would be essential to draw a bright line between the things I talked about on line and the things I kept to myself. Many of my millennial friends, by contrast, seem not to draw that distinction. — Terry Teachout
          China zerstört systematisch Moscheen der uigurischen Minderheit      Comment   Translate Page      

Uighur flag protest

Nach Angaben der chinesischen Regierung wurden seit 2014 knapp 13.000 Menschen in der Provinz Xinjiang festgenommen, wo die muslimische Minderheit der Uiguren lebt. China behauptet, die Festnahmen seien im Rahmen einer Deradikalisierungstrategie vorgenommen worden, und bei den Festgenommenen handle es sich um muslimische Terroristen. Doch immer mehr deutet darauf hin, dass die ansässigen Uiguren zunehmenden Repressalien und Menschenrechtsverletzungen des kommunistischen Regimes ausgesetzt sind. Neben den Festnahmen ist auch das Verschwinden von Moscheen in der Region zu beobachten.

China will Uiguren „sinisieren”

Die Uiguren sind ein muslimisches Turkvolk, das sich vor Jahrhunderten entlang der alten Seidenstraße niedergelassen hat. In der autonomen Region Xinjiang entstand ein florierendes Zentrum muslimischer, uigurischer Kultur. Prächtige Moscheen und belebte Märkte prägten das Bild der Region. Doch schon seit dem Jahr 1955, als China das Gebiet angliederte, brach ein Kampf zwischen den Uiguren und Chinas Machthabern aus. Während die Uiguren ihr Recht auf Selbstbestimmung einfordern, will China die Region zunehmend „sinisieren” und erzwingt somit, dass sich die Uiguren an die Mehrheit der Han-Chinesen anpassen. 

Um diesen Plan umzusetzen, ordnete die chinesische Regierung die Ansiedlung von Han-Chinesen in der von zehn Millionen Uiguren bewohnten Provinz Xinjiang an. Zudem sollen die Uiguren kein Arabisch mehr lernen, Kinder sollen nicht mehr die muslimischen Namen Mohammed oder Fatima tragen. Auch das Zeigen von religiösen Symbolen wird geahndet. Der UN zufolge werden bis zu eine Million Uiguren and andere turkstämmige Muslime in chinesischen Internierungslagern festgehalten. In den Lagern findet dann eine politische und kulturelle Indoktrination statt. 

China formalisiert die Zerstörung uigurischer Kultur

Uiguren

Das Ausmaß der systematischen Diskriminierung gegen die muslimische Minderheit ist auch an der schrittweisen Zweckentfremdung von Moscheen und der teilweisen Zerstörung der jahrhundertealten Bauten zu beobachten. Wie die „Süddeutsche Zeitung” berichtete, zeigen letzte Bilder der Kargilik-Moschee im chinesischen Regierungsbezirk Kaschgar, dass am Eingang ein überdimensionales, rotes Plakat mit der Aufschrift: „Liebe die Partei, liebe das Land” angebracht wurde. Die Propaganda sollte das muslimische Glaubensbekenntnis überdecken, das in kalligraphischer Schrift am Eingang der Moschee zu sehen war. Nun exisitiert die Moschee nicht mehr. 

Peter Irwin vom Weltkongress der Uiguren mit Sitz in München erklärt gegenüber der „SZ”, dass die Zerstörung der Moscheen Teil des sogenannten „Moschee-Berichtigungs-Programms“ seien. Damit würde die Vernichtung „eines zentralen Aspekts uigurischer Kultur formalisiert.“ 

Satellitenbilder decken Ausmaß der Verfolgung auf 

Uiguren Moschee (2)Auch die Keriya-Aitika-Moschee, die als historisch- und kulturell schützenswerter Ort gilt, wurde anscheinend vom kommunistischen Regime zerstört. Dies konnte der Open-Source-Analyst Nick Waters anhand von Satellitenbildern nachvollziehen. Da Informationen über das Vorgehen der chinesischen Regierung in der Provinz nur schwer zugänglich sind, ist die Auswertung solcher Bilder eine wichtige Informationsquelle. Auch der Jurastudent Shawn Zhang von der University of British Columbia wertete laut „SZ” Satellitenbilder aus und stellte dabei Erschreckendes fest: Neben verschwundenen Moscheen wies seine Recherche auf 66 Internierungslager hin, die China in der Region gebaut hat. Er war einer der Ersten weltweit, der die Existenz dieser Lager aufdecken konnte. 

Nachdem die chinesische Regierung die Existenz der Lager zunächst leugnete, stellt sie die Einrichtungen nun als freiwillige Trainings- und Ausbildungszentren dar. Die Lager seien eine Maßnahme gegen den radikalen Islamismus. China behauptet, die Uiguren würden Unruhen und Terroranschläge stiften. Wie die „Zeit” berichtet, gibt es Aussagen von ehemaligen Lagerinsassen, die von Misshandlungen sprechen. Die Muslime seien dazu gezwungen worden, ihrer Religion abzuschwören und anstattdessen einen Treueschwur auf die kommunistische Regierungspartei abzuhalten. Als Begründung für die Inhaftnahme reichten schon das Tragen eines Schleiers, das Fasten im Ramadan oder der Besitz eines Gebetsteppichs. 

Muslimische Staaten halten sich mit Kritik an China zurück 

Viele Staaten verurteilen den Umgang der chinesischen Regierung mit der muslimischen Minderheit aufs Äußerste. In  der muslimischen Welt bleibt der große Aufschrei jedoch noch aus. Lediglich die Türkei rief im Februar dieses Jahres die chinesische Regierung dazu auf, die Internierungslager zu schließen. Laut Berichten der „Zeit” bezeichnete Hami Aksoy, Sprecher des Außenministeriums in Ankara, Chinas Vorgehen als „große Schande für die Menschheit”.  

Andere muslimische Staaten zeigen weniger Anteilnahme am Schicksal der Uiguren. Ägypten und Pakistan lieferten uigurische Studenten auf Pekings Bitte hin aus, und als Saudi-Arabiens Kronprinz Mohammed bin Salman im Februar auf den chinesischen Staatschef Xi Jinping traf, hatte er bewundernde Worte für den chinesischen „Kampf gegen den Terrorismus” übrig, so die „SZ”. 

Grund für die Zurückhaltung der muslimischen Staaten sind vermutlich wirtschaftlichen Beziehungen zu China. Viele arabische Länder sehen zum Beispiel im chinesischen Projekt der „Neuen Seidenstraße” eine Chance, den Nahen Osten zu stabilisieren. 

Das könnte euch auch interessieren:

 Microsoft soll China geholfen haben, eine düstere Künstliche Intelligenz zu entwickeln

 Hunderttausende Millennials in China versuchen, mit riskanten Anlagen reich zu werden

 Nach China zettelt Trump den nächsten Handelskrieg mit einer großen Wirtschaftsmacht an

Join the conversation about this story »


          Millennial ‘Mayor Pete’ Buttigieg Joins 2020 Democratic Race      Comment   Translate Page      
"The forces of change in our country today are tectonic," the 37-year-old said
          Millennial ‘Mayor Pete’ Buttigieg Joins 2020 Democratic Race      Comment   Translate Page      
"The forces of change in our country today are tectonic," the 37-year-old said
          Millennial 'Mayor Pete' Buttigieg makes case for U.S. presidency      Comment   Translate Page      
Pete Buttigieg, the millennial-aged mayor of South Bend, Indiana, who has enjoyed a surge in opinion polls and a torrent of media coverage, formally launched a bid on Sunday for the 2020 Democratic presidential nomination.

          Millennial 'Mayor Pete' Buttigieg makes case for U.S. presidency      Comment   Translate Page      
Pete Buttigieg, the millennial-aged mayor of South Bend, Indiana, who has enjoyed a surge in opinion polls and a torrent of media coverage, formally launched a bid on Sunday for the 2020 Democratic presidential nomination.

          Pete Buttigieg Has Officially Announced His Run for President      Comment   Translate Page      
PoliticsPolitics, Election, Pete Buttigieg, News

As both his profile and position in the polls only continues to rise, the openly gay mayor has officially put his hat into the 2020 presidential race. 

ElectionPete ButtigiegNewsPete Buttigieg Aaron Gettinger

SOUTH BEND, Ind. —  Mayor Pete Buttigieg made official his campaign for president today in his hometown, after rising to the top-polling tier of Democratic candidates.

“It’s time to walk away from the politics of the past, and toward something totally different,” he said. “So that’s why I’m here today, joining you to make a little news: My name is Pete Buttigieg. They call me Mayor Pete. I am a proud son of South Bend, Indiana." 

"And I am running for President of the United States,” he continued. 

Buttigieg is now the first openly LGBTQ Democratic presidential candidate in U.S. history.

His announcement came on a day of rotten Midwestern weather, when well-below-normal temperatures and rain forced the event indoors to Studebaker Building 84, a former automobile factory retrofitted into a mixed-use technology center. 

Buttigieg cast his youth front and center at his announcement that drew a crowd over over 10,000 people, according to local officials. He focused his plans on the future of America on the effects of climate change, healing racial divisions and the fact that Millennials will earn less over the course of their lives than their parents.

Buttigieg also pointed out that he came of age, in the early 1980s, between two eras — and that the nation finds itself in such a time again today.

“The forces of change in our country today are tectonic. Forces that help to explain what made this current presidency even possible,” he said. “That’s why, this time, it’s not just about winning an election — it’s about winning an era.”

Many LGBTQ leaders on-site for the historic announcement pointed to the fact that his run now will not just turn a new chapter on American life, but specifically queer lives. 

“Mayor Pete [has] shattered a lavender ceiling once thought unbreakable, becoming the first openly LGBTQ Democratic presidential candidate in American history and our first real shot at the Oval Office,” said Mayor Annise Parker, president & CEO of LGBTQ Victory Fund, who was in attendance.

Paul Barnes, 71 and visiting from Ashland, Oregon, further put the day in perspective.

“Something’s happening,” Barnes told The Advocate. “Having been there for Stonewall, having lived through the ‘80s, when the administration in power did nothing except stand by in stone-cold silence, having been in California when Harvey Milk was assassinated — and then the Supreme Court decision actually happened on my birthday in 2015 — I’ve seen a lot."

"This is historic," Barnes continued. 

Adam McCarty, a student at the Ohio State University, came from Columbus to South Bend with his mother for the announcement.

“For so many kids who are trapped, who can’t find the light to get out, Pete is that shining light," McCarty told The Advocate. "[H]e's able to provide them with enough hope to say, ‘I’m allowed to be me.’”

Buttigieg's ambitions for president come after a swift and fairly bumpy rise within the political landscape — but one that now sees new heights as an openly gay candidate. 

In 2010, he launched an unsuccessful campaign for Indiana State Treasurer. He was elected mayor of South Bend the next year and reelected in 2015. After President Donald Trump’s inauguration, he raised his national profile with a run to chair the Democratic National Committee. In January, he announced the creation of his presidential exploratory committee.

Buttigieg’s military service coincided with Don’t Ask Don’t Tell and its abandonment. He came out publicly to constituents in a June 16, 2015, essay published in the South Bend Tribune, days before the Obergefell v. Hodges decision that helped usher in marriage equality. 

“It took years of struggle and growth for me to recognize that it’s just a fact of life, like having brown hair, and part of who I am,” he wrote.

“Like most people, I would like to get married one day and eventually raise a family," the mayor wrote then. "I hope that when my children are old enough to understand politics, they will be puzzled that someone like me revealing he is gay was ever considered to be newsworthy." 

Exactly three years later, the mayor married schoolteacher and noted Twitter gay Chasten Buttigieg at the Episcopal Cathedral of St. James in South Bend. The newlyweds went immediately after to make an appearance at the city’s nascent pride festival.

And their personal life — and struggles — were a consitent highlight within today's event.  

Christopher Cabaldon, the mayor of West Sacramento, California, spoke of the difficulties LGBTQ Americans have overcome and still face while helping introduce the candidate.

"Federal policy still thoroughly dehumanizes down to the cellular level that Pete would be turned away by the bloodmobile if, as mayor, he had to rush to the scene of a Pulse Nightclub-style massacre in his own community to rescue the people he's sworn to protect," Cabaldon stated, pointing to the federal ban still in place that blocks men who have sex with other men from donating blood. 

A fact that he feels articulates how LGBTQ people are treated still by the governement — which he feels will only inspire change as Buttigieg sees continued support behind him. 

“[F]or the first time in our nation’s history, that American is also a top-tier major party candidate for president of the United States,” Cabaldon said to sustained cheers. “Maybe the people of our country are surprising themselves as they are saying across the land: ‘Pete Buttigieg is the Maltese-American, left-handed, Episcopalian, gay, Millennial war veteran that America didn’t know we needed!’”

Buttigieg will no go onto campaign around the country, and his run expected to continue to make waves as his profile seems to only continue to rise within the political landscape. 

00
          Millennial Homebuyers Seek Affordability       Comment   Translate Page      

from CoreLogic

-- this post authored by ARCHANA PRADHAN

An increasing number of millennials, those born from 1981 to 1996, are entering the prime homebuying age. The average age of millennials applying for home-purchase mortgage applications was 31 in 2018.[ 1] They were the largest cohort to finance home purchases in 2018, accounting for 44 percent of home-purchase mortgage applications during 2018, up 2 percentage points from 2017. However, the share varies across individual housing markets.

Read more ...


          "All politics is personal."      Comment   Translate Page      

and that was only one of many memorable lines in one of the most remarkable political speeches I have ever heard.

My wife called me down when Mayor Pete came on stage.  I watched.  I listened.

No, the speech was not on an overarching theme.

It did not offer specific policies.

What it did was lay the ground for a very different kind of presidential campaign.

The line I quoted in my title is key, because it underlies Buttegieg’s approach, which seems based ont the telling of stories to help connect people, which includes making pointed comments about key issues confronting our society.

Hearing the number of times he went “outside the wire” but in the context of the people in his vehicle not caring about his politics, but keeping them safe.

Having three key issues, but expanding their definitions, so that we rightly heard that the greatest security issue is addressing climate change.  He talked about a 1,000 year rainfall and 500 year flood in South Bend, a hurricane in Puerto Rico, floods in Nebraska, and fires in California.  He could have added that climate change is one of the factors driving farmers to flee Central America.

On issue after issue he phrased things in a succinct way that could connect with American people.  Issues that spoke to teachers like me, to women, to people of color, to union members like me, to millennials.

John F. Kennedy told us that the torch had been passed to a new generation.  He was the first President born in the 20th century, born in 1917, succeeding Dwight D Eisenhower, born in 1890, some 27 years earlier and at the time of his leaving office the oldest President we had ever had —  Kennedy was the youngest elected, the 2nd youngest (after Teddy Roosevelt) to serve.  The current president — as well as two of his three most recent predecessors — was born in 1946, about 3 weeks after I was.  Mayor Pete was born in January 1982. 37 ½ years after the current resident of the Oval was born, which would be the largest such gap in history.  Our current Chief Executive would not at the end of this term be the oldest ever —  that would be Ronald Reagan, who was probably at age 77 already showing signs of senility (one reason I have trouble with both Biden and Sanders).  Buttegieg would be the youngest elected and to serve.

The old Studebaker factory was jammed.  I do not know the size of the crowd, but I would say perhaps 5,000 to maybe even 8,000.  South Bend has a bit over 100,000 people. Oakland, where Kamala Harris had her kickoff crowd of about 20,000, has a population of over 400,000.  In otherwords, Mayor Pete’s crowd was proportionally at least as large if not larger than that of Harris.

Is this posting an endorsement of Mayor Pete. Not yet, although I can see my way to supporting him in the primary, maybe even if asked going to work for him.  For one reason, and that is the third of his three points, Democracy.  As I wrote yesterday, I view that as the single most important issue confronting us, because if we do not fix that we cannot fix anything else.

If you did not see the speech, do yourself a favor, find the video online and watch all 40 minutes.

Then you will understand why I say it was one of the most remarkable political speeches I have seen or heard.


          Millennial ‘Mayor Pete’ Buttigieg Joins 2020 Democratic Race      Comment   Translate Page      
"The forces of change in our country today are tectonic," the 37-year-old said


Next Page: 10000

Site Map 2018_01_14
Site Map 2018_01_15
Site Map 2018_01_16
Site Map 2018_01_17
Site Map 2018_01_18
Site Map 2018_01_19
Site Map 2018_01_20
Site Map 2018_01_21
Site Map 2018_01_22
Site Map 2018_01_23
Site Map 2018_01_24
Site Map 2018_01_25
Site Map 2018_01_26
Site Map 2018_01_27
Site Map 2018_01_28
Site Map 2018_01_29
Site Map 2018_01_30
Site Map 2018_01_31
Site Map 2018_02_01
Site Map 2018_02_02
Site Map 2018_02_03
Site Map 2018_02_04
Site Map 2018_02_05
Site Map 2018_02_06
Site Map 2018_02_07
Site Map 2018_02_08
Site Map 2018_02_09
Site Map 2018_02_10
Site Map 2018_02_11
Site Map 2018_02_12
Site Map 2018_02_13
Site Map 2018_02_14
Site Map 2018_02_15
Site Map 2018_02_15
Site Map 2018_02_16
Site Map 2018_02_17
Site Map 2018_02_18
Site Map 2018_02_19
Site Map 2018_02_20
Site Map 2018_02_21
Site Map 2018_02_22
Site Map 2018_02_23
Site Map 2018_02_24
Site Map 2018_02_25
Site Map 2018_02_26
Site Map 2018_02_27
Site Map 2018_02_28
Site Map 2018_03_01
Site Map 2018_03_02
Site Map 2018_03_03
Site Map 2018_03_04
Site Map 2018_03_05
Site Map 2018_03_06
Site Map 2018_03_07
Site Map 2018_03_08
Site Map 2018_03_09
Site Map 2018_03_10
Site Map 2018_03_11
Site Map 2018_03_12
Site Map 2018_03_13
Site Map 2018_03_14
Site Map 2018_03_15
Site Map 2018_03_16
Site Map 2018_03_17
Site Map 2018_03_18
Site Map 2018_03_19
Site Map 2018_03_20
Site Map 2018_03_21
Site Map 2018_03_22
Site Map 2018_03_23
Site Map 2018_03_24
Site Map 2018_03_25
Site Map 2018_03_26
Site Map 2018_03_27
Site Map 2018_03_28
Site Map 2018_03_29
Site Map 2018_03_30
Site Map 2018_03_31
Site Map 2018_04_01
Site Map 2018_04_02
Site Map 2018_04_03
Site Map 2018_04_04
Site Map 2018_04_05
Site Map 2018_04_06
Site Map 2018_04_07
Site Map 2018_04_08
Site Map 2018_04_09
Site Map 2018_04_10
Site Map 2018_04_11
Site Map 2018_04_12
Site Map 2018_04_13
Site Map 2018_04_14
Site Map 2018_04_15
Site Map 2018_04_16
Site Map 2018_04_17
Site Map 2018_04_18
Site Map 2018_04_19
Site Map 2018_04_20
Site Map 2018_04_21
Site Map 2018_04_22
Site Map 2018_04_23
Site Map 2018_04_24
Site Map 2018_04_25
Site Map 2018_04_26
Site Map 2018_04_27
Site Map 2018_04_28
Site Map 2018_04_29
Site Map 2018_04_30
Site Map 2018_05_01
Site Map 2018_05_02
Site Map 2018_05_03
Site Map 2018_05_04
Site Map 2018_05_05
Site Map 2018_05_06
Site Map 2018_05_07
Site Map 2018_05_08
Site Map 2018_05_09
Site Map 2018_05_15
Site Map 2018_05_16
Site Map 2018_05_17
Site Map 2018_05_18
Site Map 2018_05_19
Site Map 2018_05_20
Site Map 2018_05_21
Site Map 2018_05_22
Site Map 2018_05_23
Site Map 2018_05_24
Site Map 2018_05_25
Site Map 2018_05_26
Site Map 2018_05_27
Site Map 2018_05_28
Site Map 2018_05_29
Site Map 2018_05_30
Site Map 2018_05_31
Site Map 2018_06_01
Site Map 2018_06_02
Site Map 2018_06_03
Site Map 2018_06_04
Site Map 2018_06_05
Site Map 2018_06_06
Site Map 2018_06_07
Site Map 2018_06_08
Site Map 2018_06_09
Site Map 2018_06_10
Site Map 2018_06_11
Site Map 2018_06_12
Site Map 2018_06_13
Site Map 2018_06_14
Site Map 2018_06_15
Site Map 2018_06_16
Site Map 2018_06_17
Site Map 2018_06_18
Site Map 2018_06_19
Site Map 2018_06_20
Site Map 2018_06_21
Site Map 2018_06_22
Site Map 2018_06_23
Site Map 2018_06_24
Site Map 2018_06_25
Site Map 2018_06_26
Site Map 2018_06_27
Site Map 2018_06_28
Site Map 2018_06_29
Site Map 2018_06_30
Site Map 2018_07_01
Site Map 2018_07_02
Site Map 2018_07_03
Site Map 2018_07_04
Site Map 2018_07_05
Site Map 2018_07_06
Site Map 2018_07_07
Site Map 2018_07_08
Site Map 2018_07_09
Site Map 2018_07_10
Site Map 2018_07_11
Site Map 2018_07_12
Site Map 2018_07_13
Site Map 2018_07_14
Site Map 2018_07_15
Site Map 2018_07_16
Site Map 2018_07_17
Site Map 2018_07_18
Site Map 2018_07_19
Site Map 2018_07_20
Site Map 2018_07_21
Site Map 2018_07_22
Site Map 2018_07_23
Site Map 2018_07_24
Site Map 2018_07_25
Site Map 2018_07_26
Site Map 2018_07_27
Site Map 2018_07_28
Site Map 2018_07_29
Site Map 2018_07_30
Site Map 2018_07_31
Site Map 2018_08_01
Site Map 2018_08_02
Site Map 2018_08_03
Site Map 2018_08_04
Site Map 2018_08_05
Site Map 2018_08_06
Site Map 2018_08_07
Site Map 2018_08_08
Site Map 2018_08_09
Site Map 2018_08_10
Site Map 2018_08_11
Site Map 2018_08_12
Site Map 2018_08_13
Site Map 2018_08_15
Site Map 2018_08_16
Site Map 2018_08_17
Site Map 2018_08_18
Site Map 2018_08_19
Site Map 2018_08_20
Site Map 2018_08_21
Site Map 2018_08_22
Site Map 2018_08_23
Site Map 2018_08_24
Site Map 2018_08_25
Site Map 2018_08_26
Site Map 2018_08_27
Site Map 2018_08_28
Site Map 2018_08_29
Site Map 2018_08_30
Site Map 2018_08_31
Site Map 2018_09_01
Site Map 2018_09_02
Site Map 2018_09_03
Site Map 2018_09_04
Site Map 2018_09_05
Site Map 2018_09_06
Site Map 2018_09_07
Site Map 2018_09_08
Site Map 2018_09_09
Site Map 2018_09_10
Site Map 2018_09_11
Site Map 2018_09_12
Site Map 2018_09_13
Site Map 2018_09_14
Site Map 2018_09_15
Site Map 2018_09_16
Site Map 2018_09_17
Site Map 2018_09_18
Site Map 2018_09_19
Site Map 2018_09_20
Site Map 2018_09_21
Site Map 2018_09_23
Site Map 2018_09_24
Site Map 2018_09_25
Site Map 2018_09_26
Site Map 2018_09_27
Site Map 2018_09_28
Site Map 2018_09_29
Site Map 2018_09_30
Site Map 2018_10_01
Site Map 2018_10_02
Site Map 2018_10_03
Site Map 2018_10_04
Site Map 2018_10_05
Site Map 2018_10_06
Site Map 2018_10_07
Site Map 2018_10_08
Site Map 2018_10_09
Site Map 2018_10_10
Site Map 2018_10_11
Site Map 2018_10_12
Site Map 2018_10_13
Site Map 2018_10_14
Site Map 2018_10_15
Site Map 2018_10_16
Site Map 2018_10_17
Site Map 2018_10_18
Site Map 2018_10_19
Site Map 2018_10_20
Site Map 2018_10_21
Site Map 2018_10_22
Site Map 2018_10_23
Site Map 2018_10_24
Site Map 2018_10_25
Site Map 2018_10_26
Site Map 2018_10_27
Site Map 2018_10_28
Site Map 2018_10_29
Site Map 2018_10_30
Site Map 2018_10_31
Site Map 2018_11_01
Site Map 2018_11_02
Site Map 2018_11_03
Site Map 2018_11_04
Site Map 2018_11_05
Site Map 2018_11_06
Site Map 2018_11_07
Site Map 2018_11_08
Site Map 2018_11_09
Site Map 2018_11_10
Site Map 2018_11_11
Site Map 2018_11_12
Site Map 2018_11_13
Site Map 2018_11_14
Site Map 2018_11_15
Site Map 2018_11_16
Site Map 2018_11_17
Site Map 2018_11_18
Site Map 2018_11_19
Site Map 2018_11_20
Site Map 2018_11_21
Site Map 2018_11_22
Site Map 2018_11_23
Site Map 2018_11_24
Site Map 2018_11_25
Site Map 2018_11_26
Site Map 2018_11_27
Site Map 2018_11_28
Site Map 2018_11_29
Site Map 2018_11_30
Site Map 2018_12_01
Site Map 2018_12_02
Site Map 2018_12_03
Site Map 2018_12_04
Site Map 2018_12_05
Site Map 2018_12_06
Site Map 2018_12_07
Site Map 2018_12_08
Site Map 2018_12_09
Site Map 2018_12_10
Site Map 2018_12_11
Site Map 2018_12_12
Site Map 2018_12_13
Site Map 2018_12_14
Site Map 2018_12_15
Site Map 2018_12_16
Site Map 2018_12_17
Site Map 2018_12_18
Site Map 2018_12_19
Site Map 2018_12_20
Site Map 2018_12_21
Site Map 2018_12_22
Site Map 2018_12_23
Site Map 2018_12_24
Site Map 2018_12_25
Site Map 2018_12_26
Site Map 2018_12_27
Site Map 2018_12_28
Site Map 2018_12_29
Site Map 2018_12_30
Site Map 2018_12_31
Site Map 2019_01_01
Site Map 2019_01_02
Site Map 2019_01_03
Site Map 2019_01_04
Site Map 2019_01_06
Site Map 2019_01_07
Site Map 2019_01_08
Site Map 2019_01_09
Site Map 2019_01_11
Site Map 2019_01_12
Site Map 2019_01_13
Site Map 2019_01_14
Site Map 2019_01_15
Site Map 2019_01_16
Site Map 2019_01_17
Site Map 2019_01_18
Site Map 2019_01_19
Site Map 2019_01_20
Site Map 2019_01_21
Site Map 2019_01_22
Site Map 2019_01_23
Site Map 2019_01_24
Site Map 2019_01_25
Site Map 2019_01_26
Site Map 2019_01_27
Site Map 2019_01_28
Site Map 2019_01_29
Site Map 2019_01_30
Site Map 2019_01_31
Site Map 2019_02_01
Site Map 2019_02_02
Site Map 2019_02_03
Site Map 2019_02_04
Site Map 2019_02_05
Site Map 2019_02_06
Site Map 2019_02_07
Site Map 2019_02_08
Site Map 2019_02_09
Site Map 2019_02_10
Site Map 2019_02_11
Site Map 2019_02_12
Site Map 2019_02_13
Site Map 2019_02_14
Site Map 2019_02_15
Site Map 2019_02_16
Site Map 2019_02_17
Site Map 2019_02_18
Site Map 2019_02_19
Site Map 2019_02_20
Site Map 2019_02_21
Site Map 2019_02_22
Site Map 2019_02_23
Site Map 2019_02_24
Site Map 2019_02_25
Site Map 2019_02_26
Site Map 2019_02_27
Site Map 2019_02_28
Site Map 2019_03_01
Site Map 2019_03_02
Site Map 2019_03_03
Site Map 2019_03_04
Site Map 2019_03_05
Site Map 2019_03_06
Site Map 2019_03_07
Site Map 2019_03_08
Site Map 2019_03_09
Site Map 2019_03_10
Site Map 2019_03_11
Site Map 2019_03_12
Site Map 2019_03_13
Site Map 2019_03_14
Site Map 2019_03_15
Site Map 2019_03_16
Site Map 2019_03_17
Site Map 2019_03_18
Site Map 2019_03_19
Site Map 2019_03_20
Site Map 2019_03_21
Site Map 2019_03_22
Site Map 2019_03_23
Site Map 2019_03_24
Site Map 2019_03_25
Site Map 2019_03_26
Site Map 2019_03_27
Site Map 2019_03_28
Site Map 2019_03_29
Site Map 2019_03_30
Site Map 2019_03_31
Site Map 2019_04_01
Site Map 2019_04_02
Site Map 2019_04_03
Site Map 2019_04_04
Site Map 2019_04_05
Site Map 2019_04_06
Site Map 2019_04_07
Site Map 2019_04_08
Site Map 2019_04_09
Site Map 2019_04_10
Site Map 2019_04_11
Site Map 2019_04_12
Site Map 2019_04_13
Site Map 2019_04_14