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The growing number of Mexicans online is attracting the focus of global brands and changing the way national brands are marketing themselves. As the digital landscape shifts in Mexico, this is attracting the focus of global brands digital marketing is emerging at the core of many marketing strategies. Overall ad spending in Latin America will jump more than 10% in 2015, outpacing all other regions, according to new data. Apple is expanding its iAd to Latin America for the first time, via a partnership with Internet Media Services (IMS).
The real World Cup may have gone to Germany, but Mexico has the biggest social audience, according to new research.
Dutch airline KLM has been forced to apologise for joke tweet following Netherland’s victory over Mexico at the World Cup. Digital ads will lead the way for global media growth in the next four years, accounting for 33% of total advertising revenue, nearly catching TV in the process, according to a new report. In the biggest technology deal of the year so far, US telecommunications giant ATT has bought broadcast satellite service provider DirecTV for nearly $50bn (?29bn).
This chart shows the mobile broadband penetration for each region's population across the globe. The Latin America online population grew faster than any other global region in the past year, rising 12% to 147 million visitors, according to new research. Audience buying company Xasis has launched of operations in Latin America, as the WPP-owned firm expands its global operations. Clothing and electronics are the most popular categories for online shopers in Latin America, with brand awareness and loyalty key to driving purchases, according to a new study. More than 9 in 10 Chilean web users tuned into online video in August, with YouTube by far the most popular site across the Latin American territories, according to data from comScore.
Facebook is by far the most used social network in Latin America, growing by 7,915 million users between 2011 and 2012. Facebook continues to reign as the leading social network in Latin America by a wide margin with 115.5 million visitors in November 2012, but other players in the sector have also begun climbing in the rankings, according to new research. Digital ad spend in Latin America is set to double by 2016, with Brazil leading the way, according to new research. Across Latin America, the growth of online marketing continues to be rapid as brands unlock a smarter communications mix. It all starts with understanding the channel mix of your consumers and reading the landscape correctly.
Latin America represents a huge opportunity for digital marketers, with the world’s fastest growing online population, hungry for social, video and mobile content. According to research firm comScore, Latin America’s online population grew faster than any other global region in 2011, rising 16 percent to 129.3 million visitors in December 2011. If you’re working on a global brand, remember that the beautiful site their New York agency has created might be designed for high-bandwidth markets.
As more and more people connect to the Internet in Latin America, time spent social networking is exploding (on sites like Facebook and Vostu). While ownership of Internet-connected PCs might still be relatively low across the region - and reserved mainly for the more affluent city-dweller - mobile phone ownership is more wide spread and growing rapidly.
This chart details internet users across South American nations (and relative percentage of total local populations). Facebook ranked as the second most popular search destination in Latin America (after Google sites) with 525 million searches and a 2.8% share of total searches for the region.
Between March 2010 and March 2011, Latin America conducted 18.5 billion searches- an increase of 21% from the previous year.
South American retail chain Homecentre Sodimac used an unconventional marketing method to increase sales by 54% during the ‘Homecentre House Season’ with the campaign ‘The man who gave everything away’. But ultimately, over time social media won’t be an investment, it will be the cost of staying in business – just like your website, phone or email system.
If you need to work on your organisation’s approach for social in 2013, Digital Guerilla can offer you insight,  effective and workable strategies and if needs be manage full management of your Social Media action! Until I contacted Graham at Digital Guerilla I was paying $5K a year to Yellow Pages - I was unsure about a website, I'm a tennis coach not an IT person!
While more than a third of all US states have enacted laws allowing digital investing, California is still without an intrastate securities crowdfunding regulation. The Small Business California’s Crowdfunding bill (AB 2178), proposed by Assembly Member David Chiu and sponsored by Small Business California, would allow SMEs in the state to raise up to $1 million, in securities sold in a 12-month period, within or outside this state.
The bill passed the Assembly Banking Committee in April, the next step now is for the Assembly Judiciary Committee to discuss and vote it. Note: Accredited investors would be limited to investing no more than 5% of their net worth. California, home of Silicon Valley, is America’s posterchild as it comes to entrepreneurship, so its only fitting it develops its frameworks for incentivizing innovation and opportunities further. The Securities Commission Malaysia (SC), recently announced the regulatory framework for peer-to-peer (P2P) financing, setting out requirements for the registration of platform operators. Last year Malaysia was the first country in South-East Asia to introduce a framework for Equity Crowdfunding (ECF), in an effort to provide wider access to financing for startups and SMEs and create a strong alternative finance market. For those interested to operate a peer-to-peer platform, there are several criteria that must taken in consideration, including that the businesses be incorporated in Malaysia with a minimum paid-up capital of RM5 million (about US$1.3 million), and a board of directors that must be fit and proper. Ongoing obligations are imposed on the P2P operator such as ensuring compliance with platform rules, carry out investor education programmes, having in place processes to monitor anti-money laundering as well as an efficient and transparent risk scoring system for issuer, a contingency arrangement to ensure business continuity and ensure that its rules set out a rate of financing that is not more than 18% per annum. If you’re interested to read further about the duty and responsibility of a P2P operator in Malaysia, as well as at the requirements for issuer and investor willing to participate in P2P, you can check this exhaustive document released by the SC.
Crowd Valley (a Grow VC Group company) is fortunate to work with some of the world’s foremost pioneers in new regulatory environments on setting industry best standards in practical terms. From new approaches to commercialisation, collaboration models and the breaking down of internal silos, fintech is challenging how financial services are prepared, presented and consumed at retail and institutional levels. Delivering tomorrow’s leading financial services will not be dissimilar to serving up a Michelin star gourmet dining experience.
In today’s traditional approach, incumbent financial services organisations have built end-to-end capabilities in-house, under one roof.
In stark contrast to the traditional approach, tech startups and others are re-creating core financial services from the ground up.
Commercialised via licensed APIs (automated programing interface), features can be scaled, switched on, switched off – and replaced. For example, it is possible today to combine several APIs to create an online lending service capable of connecting issuers and borrowers, including the algorithms allowing participants to set their own market rates. We coined the term Cafe Fintech to convey important parallels across two very different industries. Today as front-of-house, Grow Advisors advise on how to get the best service from Cafe Fintech. Today, we are developing a range of Cafe Fintechs, each comprising an expert team delivering digital services to address opportunities in different verticals. Fintech has become more mainstream, yet still leaves many organisations with unanswered questions on exactly how to incorporate meaningful technological innovation into their businesses. By recognising that the evolving landscape is much more dynamic and accessible, we hope a greater number of organisations will take a seat at the table. As a global pioneer and leader of digital finance, The Grow VC Group is championing an industry-wide awakening and acclimatisation of disruption in financial services.
Grow VC Group and Grow Advisors were both recipients of Finance Monthly fintech firm of the year 2015.
You can read the whole article on Grow Advisors Blog and it will appear as a special feature in the May edition of Finance Monthly. The Asian industry leading conference for the film and content production industry, 7th Creative Content Production Conference (part of BroadcastAsia2016) is showcasing crowdfunding with conference related campaigns as the first big international conference.
Showcase 1: Malaysian based Cikeboom’s Pencil Key is a 2D animation TV Series for 3-9 years old kids.
Showcase 3: Italian Mimulus is a story is an international movie production that will be shot in Italy, Greece and Japan. Campaigns will start running on May 4, 2016 and can be followed and supported on Kapipal’s BroadcastAsia2016 website. Kapipal will also run side event about crowdfunding and it’s opportunities for businesses and project creators during BroadcastAsia2016.
Article and analysis by Grow Advisors (a Grow VC Group company), originally published on Grow Advisors Blog. Firstly, the UK regulator, the FCA, has played an important role developing the fintech market. The impact of these aspects depends on services, company resources and the development of digital finance services.
It is clear the debate and months leading to the referendum are already having questionable effects. Fintech requires sound skills in these areas, could stand to lose out if fewer European applicants wish to (or are able to) enter the country.
As regulations develop around the world, the UK’s relative strength could diminish unless it stays one step ahead. However, as offshore regimes attract greater scrutiny, and the need for more transparent financial services gathers pace, this becomes a remote possibility. Further, some EU directives such as PSD2 also offer new fintech opportunities, and these would not be possible to non-EU UK.
The UK has promising fintech startups, but they have yet to achieve significant success outside the UK. Although the UK and London have a strong position in fintech globally, the market is still in a very early phase and making predictions to which countries will dominate is a risky exercise.
As all successful business leaders will attest, a critical factor underlying success is its ability to attract top level entrepreneurs, team members and employees.
While it is hard to evaluate a post brexit landscape as it would be a new paradigm, we can assume it will create uncertainties for fintech companies and especially small and medium sized companies. Business needs certainty with which to plan for the future and unfortunately, a brexit would present particularly high hurdles. The Monetary Authority of Singapore (MAS) announced new initiatives earlier in April to boost the country’s position as a global hub for the burgeoning financial technology sector. The head of the Monetary Authority of Singapore Ravi Menon and the country’s Deputy Prime Minister Tharman Shanmugaratnam, were recently at the Asia Society in New York where they announced the launch of the first Singapore FinTech Festival, to be held from 14 to 18 November 2016. As stated on the MAS website, the festival will be supported by the Association of Banks in Singapore (ABS), and will comprehend a ‘fintech hackcelerator’, an awards ceremony for the most creative digital finance applications, as well as conferences and debates on regtech. Bloomberg reported that Menon declared Singapore will regulate their fintech companies only when they grow to a size that can be a threat to the financial system. Singapore is not alone here, other countries around the world are taking fintech growth seriously, and the UK is one of those.
Digital finance is flourishing everywhere from London to Singapore, are you ready to seize the opportunity? With crowdfunding growing in popularity, it is no surprise that universities and colleges across the globe are turning to crowdfunding in order to raise money for everything from research projects to university sporting teams. Many of you probably know that much of our society’s top discoveries are uncovered through faculty and student research projects.
For example, the University of Maryland’s Bee Informed Partnership started a crowdfunding campaign and raised $24,000 to monitor and encourage the health of honeybees that help with much of the produce that our world eats. As budget cuts continue to afflict universities and colleges across the globe, university level sports teams and clubs are finding themselves within little to no financial support.
Outside of research projects and sports teams, universities and colleges are also using crowdfunding instead of – or coinciding with – traditional fundraising efforts. As always, if you are interested in starting a crowdfunding campaign, but are not sure where to start, feel free to contact Kapipal! Current headlines are dominated by traditional institutions becoming minor or even major players in fintech platforms globally. The aim is simple, institutions with a network of local or “community” banks are providing their customers an alternate avenue to raise capital if they cannot do so within the physical branch. We at Crowd Valley (a Grow VC Group company) have seen both local banks and institutions identify this opportunity and enter new markets in a very meaningful way. Institutions looking to capitalise on collaboration within the fintech space, get in touch with us at Crowd Valley to leverage our full offering and industry leading Digital Back Office that bridge the gap into fintech. The Country Risk Barometer: Key Challenges for 2016 produced by trade credit insurer Coface, highlights those countries that have persevered through this economic contraction as well as those that have recently underperformed. Bright spots from the report have been seen in Europe as a whole, with Central Europe being the highlight.
That is not to say that risk from a possible Brexit, the ongoing Refugee Crisis and financial instability in countries like Greece, Spain and Portugal should be ignored. Further, the Coface report notes that “in addition to sluggish GDP growth negatively affecting their profitability, businesses in emerging countries are currently facing a second problem: their growing debt. In some of our former posts we have discussed how artists and entrepreneurs are using crowdfunding to raise money for their art and business projects, but did you know that athletes of all ages are using crowdfunding as well?
Over Kapipal’s history, we have found that there is not one specific point where athletes turn to crowdfunding. To get started, go to the Kapipal home page and click Start Project in the top-right side of the screen. League Fees – Even fun adult softball leagues have been known to have fees, so if you and your team are a bit tight on money, crowdfunding could be a great way to generate the funds needed to get you and your team playing! Tournament Fees – No matter whether you are participating in local tournaments or national tournaments spread out across the country, there are always fees associated and sometimes they can be pretty hefty! Equipment – Whether it is soccer cleats or football helmets, equipment is very important, especially in regards to player safety. Finance professionals, platform operators and anyone interested to learn more about digital finance and the fintech market. The Grow VC Group has collected a new vision and insights document (see below) that focuses on new business models, new finance instruments and better utilization of resources in the finance sector.
In our document we especially focus on four key areas: 1) capital, 2) distribution, 3) instruments, and 4) customers. We have listed some key areas to enable these new models: 1) new competence and knowledge development, 2) data and analytics, 3) technology, and 4) new innovation models. The Grow VC Group works in many areas in the ecosystem to develop new competences, services and technology solutions. Many parties see that there will be more requirements for the back offices of the platforms, for example in KYC, AML and reporting functions. In summary, many alternative finance and fintech events have started to repeat one another.
Now it is important that this new industry really starts to think about the next big steps, how to really get alternative and digital finance to a major role in the finance sector.
At TradeUp (a Grow VC Group company), our investment thesis is built on the consistent research finding that globalizing companies outperform the broader market. One of the most rewarding aspects of Kapipal (a Grow VC Group company) is hearing countless success stories of campaign creators turning their dreams into reality. My campaign was created in order to raise money to finance the artwork and duplication of my new album, « Ice Age Paradise », a record featuring a ten-piece ensemble of horns, strings rhythm section and voice. My record label informed me recently that they had decided not to put out my new album and therefore I was forced to find a DIY approach to financing final steps of the project.
A friend used Kapipal to create his own crowdfunding campaign to finance the completion of his current album and he recommended your service to me. Yes, several people that I didn’t expect would donate actually did and others whom I thought would, didn’t. We’ve written about the API Economy previously and expressed our optimism toward specialization of service providers in the financial services market.
In 2013, a revised Payment Services Directive (PSD2) entered the discussion and was proposed by the European Commission with the objective of furthering the services and standards in the original framework.
In the framework of PSD2, there are provisions to mandate a requirement for financial institutions to provide access to their core banking services for service providers through an application programming interface (commonly, API).
The aim of this interface and more broadly framework, is to bring strong customer protection and efficient fraud prevention standards into play, but the effects on pushing financial institutions into adopt the philosophy around the API Economy may be much more significant than the framework might lead you to believe.
From our work with leading financial institutions around the world, we can see the work on exposing interfaces and making core banking services available already. It may be tempting to think, that frameworks put forth by the European Commission would only have an impact within its jurisdiction. As governments around the world look to small and mid-size enterprises (SMEs) as engines of growth, trade and job creation, a thorny challenge stands in the way: hundreds of billions of dollars of pent-up demand for trade finance. This financing can be used as export working capital that enables a company to purchase labor and inputs to fulfill a specific export order. While critical for SME trade, such transactional financing is not enough to fuel globalizing SMEs. These findings are indicative of a global trade finance gap, now estimated at $1.4 trillion, $693 billion of which is in developing Asia, including India and China. Before the crowdfunding industry even existed, musicians often relied on money from their fans to record albums and tour, so it comes to no surprise that many famous musicians have become active members of the crowdfunding industry.
After breaking with a major label, musician Amanda Palmer turned to crowdfunding in order to generate enough money so she could record her next album. Hip Hop Legends De La Soul turned to crowdfunding in order to generate funds for their eighth album. Other well-known musicians that have turned to crowdfunding include: the surviving members of TLC, Toad the Wet Sprocket, Kenny Loggins and Paula Cole. Now remember, you don’t have to be a famous musician in order to benefit from crowdfunding.
Turbulent-Uncertain-Novel-Ambiguous (TUNA) is the acronym an Oxford University Executive Education program uses instead of the more familiar VUCA — Volatile- Uncertain-Complex-Ambiguous.
As TUNA pressures warp previously steady-state industries, executives respond by trying to predict the future, grappling with early-warning signals or trying to identify market or technology trends.
Scenario Planning is a method of direction-finding and strategy formation that defines itself by non-prediction. The OSP accepts about 40 delegates and — fairly unusually for executive education — also hosts two or three organizations as real-world “proto-clients,” providing live client situations for the delegates to work on. The clients present their business situation late on Monday, and are then interviewed over dinner by the assigned delegate teams.
For executives who don’t have a spare week and ?6,000 (about $8,400) to spend at Oxford’s Egrove Park executive education facility in England, Ramirez and Wilkinson have just published a book, Strategic Reframing: The Oxford Scenario Planning Approach, which they wrote to broaden access to the philosophy and methods of the Oxford Scenario Planning Approach (OSPA). Scenario planning invites multiple framings of an uncertain situation, making leaders more aware and conscious of the legacy frame they have unconsciously been using to make sense of the world. Wilkinson is an alumna of a renown planning office at Royal Dutch Shell and currently head of strategic foresight at the OECD in Paris, where she describes her focus as “leading a project to upgrade it (strategic foresight). When a firm navigates its relationship with the outside world, particularly an apparently hostile or at least disagreeable TUNA world, the pathologies of the organization emerge. The question is how do you create a healthy (what van der Heijden calls) “strategic conversation” that allows leaders and experts to consider ideas that are not familiar to them, and to disagree with each other safely.
While Shell was and remains the poster company for scenario planning, its methodology, or at least what is understood and represented as its methodology by knock-off scenario consultants, has also been responsible for the banalities of utopias or dystopias or techno-Armageddon future narratives that are unhelpful to the real process of decision-making for leaders facing everyday uncertainty. This requires taking OSP student delegates well past creating analytical content for scenarios, towards a deeper understanding of how the scenario process needs to dovetail with organizational purpose and the leadership agenda. This is why embedding learning with the real problems of real-world clients is intrinsic to the OSP teaching process. Over the course of the client service process, the student delegate groups go through the full learning-to-build scenarios cycle twice — they get two bites at both scenario-building and client-engagement. This is to reinforce learning, as one may expect, but an iterative, revisiting, relearning process is what defines the Oxford scenarios method, and what it is fundamentally teaching practitioners to do when making client-worthy scenarios, wherever and whenever they do it. To iterate, prototype, fail-fast, and rework is an approach to that many fields, including strategy and scenario planning, have learned from design thinking. The iterate-learn-rework model also helps would-be scenario practitioners understand that learning — about their client and its internal and external contexts, and the future it is facing — is at the heart of scenario-based management of a TUNA world. Individuals now have the power to do things that at any earlier point in human history, only large organizations like governments and corporations could do — such as getting information to billions of people. The means for achieving objectives like this are becoming cheaper, more accessible, and more ubiquitous each day. The qualities that capture positive attention these days aren’t slickness, blandness, and mass consensus (boring), but authenticity, inventiveness, humor, beauty, uniqueness, playfulness, empathy, and meaning (interesting).
The premise of this book is that in the process of becoming the most materially successful culture in history, we forgot much of the ancient “technologies” that our ancestors used to live in harmony with nature. Martha Beck: I actually don’t believe in magic, and neither did any of the people I found who could do magical-looking things.
Despite all this, most of us still hang onto the Newtonian view of ourselves as unrelated, solid bodies clunking around in space. Be Inkandescent: Next, tell us more about Oneness, which enables us to sense the interconnection between our own consciousness and beings that are seemingly unconnected to us. Martha Beck: Oneness is not only the way all mystics perceive reality, but the way we all function in the moments we forget to stay locked in mental stories. Neuroscientists now know that our brains are continuously creating new areas that correspond, for example, to the tools we use — a part of your brain is now operating your watch, your car, your clothing, as if these things are part of your body. As long as we’re able to sense our connection with things, we really can send and receive information through that connection. Martha Beck: By some process I don’t understand, the most amazing people on earth have joined our tribe of coaches. Right now we have about 350 coaches (if you think that’s a lot, consider that it’s only about one coach for every million Americans, not to mention the rest of the world).
If you want to hang onto your interior clutter — your addictions, your fears, your general denial — you’re not going to like it and you shouldn’t sign up. Did you know that women are twice as likely as men to live below the poverty line during retirement?
American women face a complex challenge when it comes to securing retirement income that will last a lifetime. The reason often has to do with life spans increasing and women outliving the men in their lives.
As I explained in my article earlier this year about the tragic fact that so many women 65+ are living in poverty, being proactive about your retirement income planning is vital.
For a 65-year-old couple, there is a 47 percent chance that one of them will live to age 90, and that is up 2 percent from last year. But longevity is only a portion of the story when it comes to achieving retirement security. Women make up 57 percent of all Social Security beneficiaries age 62 and older and 68 percent of all beneficiaries age 85 and older. According to the US Census, in 2012 only 45 percent of women age 65 or older were married, compared to 75 percent of men. Although women have made progress in the area of earning power, they still have a ways to go before reducing the existing retirement gap with men.
Considering that a large percentage of women rely on Social Security as a main source of retirement income, making an informed decision about when to claim Social Security benefits must be carefully considered.
Regardless of your gender, if you have 40 quarters of wages that were subject to Social Security payroll taxes you are eligible to receive Social Security benefits.
If you work fewer than 35 years, your income for the missing years is counted as 0, which can bring your average down significantly. The year you were born will determine when you reach FRA and are eligible to receive 100 percent of your Social Security benefits. Become familiar with a couple of acronyms: Full Retirement Age (FRA) and Primary Insurance Amount (PIA). You may instead opt to postpone taking your Social Security benefits until age 70, which increases your benefits by approximately 32 percent depending on your FRA. How women claim their Social Security benefits greatly impacts their retirement income for the rest of their lives. In the case studies outlined below, all figures are in today’s dollars and before tax; the actual benefits would be adjusted for inflation and would possibly be subject to income tax.
For some individuals, claiming your benefits at age 62 might be a necessity, or you may want to retire as early as age 62. The gains from waiting to take your benefits can be significant; the longer you delay the higher your benefits may be. Regardless of your situation, keep in mind that Social Security is there for you to use and you have paid for it. You may be eligible to claim Social Security benefits on your ex-spouse’s work records and he on yours. You may claim survivor benefits on your ex-spouse as long as your marriage lasted 10 years or longer and you have not remarried.
If you have survived your husband, you may be eligible to collect his Social Security payments as a survivor benefit.
Also, if you are a surviving spouse, Social Security automatically defaults to the higher amount — your own or your survivor benefits. Case study: Ann is 62 years old and is eligible to get $1,500 in benefits at her FRA of 66. Because they’re claiming early, their monthly benefits are 25 percent lower than they would be at their FRA.
Dawn Tripp: I came to O’Keeffe’s story through her art, and like many, I knew her representational work — her cow skulls and her calla lilies. Her works of that time and the abstractions that she continued to create throughout her life were ambitious — they were these gorgeous shapes of color and form designed to express and evoke emotion.
In that exhibition, her art was shown alongside photographs that Alfred Stieglitz had taken of her as part of a serial portrait that spanned 20 years, comprised of 300 images. Dawn Tripp: I made a choice to make the book a novel, I knew I wanted it to be told in first person.
I wasn’t at my desk when it hit me; I was outside with my two boys down by the river for the first time that spring.


Dawn Tripp: There were certain things that I learned about what it means to be a woman and what it means to be an older woman. Be Inkandescent Magazine: What did you learn about Georgia O’Keeffe that you didn’t know before this research? Be Inkandescent Magazine: What advice do you have about the approaches that are key to success as a writer? Here you have a young woman — strong, fiercely intelligent and independent, with a stunning artistic talent and a revolutionary vision years ahead of her time. And then here is a man, the father of modern photography, the famed gallery owner, who at the tail end of his artistic career fell so deeply in love with her.
Their relationship was a source of intense freedom and expansion for O’Keeffe at the beginning, and then slowly it became something from which she had to break free. As much as we want to control our own destiny, the humbling truth is that sometimes the only way to learn self-love is by being loved — precisely in the places where we feel most unsure and most tender. Yet if our vulnerability is met with derision or disinterest, something tender shrivels and retracts within us, and we may think twice about ever sharing that part again. Now imagine turning off the charge from the invisible fence, and then placing a bowl of food outside its perimeter.
In my work as a psychotherapist, I’ve found that we tend to be ashamed of our most unique, passionate, iconoclastic parts. Professor Margaret Neale and doctoral student Peter Belmi find that sharing food does help create more valuable deals in competitive negotiations. Belmi: On the other hand, if you have a cooperative negotiation, food sharing may facilitate a quick resolution but not necessarily a good resolution.
Belmi: In more competitive negotiations, people want to have the best possible deal for themselves, and typically, they see their counterpart as having adversarial or opposing motives. Neale: In a competitive situation, you have that assessment that this is going to be really tough. Belmi: We told participants they were negotiating in either a competitive or a cooperative situation, and then we asked them to negotiate while they ate food that was either shared or individually served during the interaction. Neale: When you have a competitive negotiation, the added presence of food makes folks uncertain about how to behave. Belmi: In a cooperative negotiation, sharing food creates a comfortable and familiar environment, and people can become more concerned about maintaining that atmosphere rather than finding the best deal.
The suggestion might be: If you’re in a competitive negotiation, take someone to an Ethiopian restaurant!
Neale: One area to consider is what happens when people bring the food instead of being given it.
Isn’t it possible that sharing anything — not just food — would create the same effect? In 2015, 33 percent of small-business owners — down from 41 percent in 2012 — said their primary goal is to grow their business significantly, which means a large increase in sales, revenue, and staff. Fifty-five percent of owners say they are looking to maintain their business at its current size, a proportion that has been largely consistent over the past few years. Even though more than half of owners have a maintenance mindset, 73 percent feel successful about how their business is operating now, up from 69 percent in 2011. And, the proportion of small-business owners who are optimistic that the national economy will improve this year has increased from 33 percent in 2012 to 52 percent in 2015. Based on an analysis of data over the past few years, The Hartford’s study found that owners who take more risks and feel optimistic about the national economy tend to be more inclined to say their business is extremely or very successful.
In addition, the highly successful business owners are not as conservative as those who feel slightly or not at all successful. The analysis also found that owners who feel their business is operating highly successfully are relying on better qualified talent, better guidance from other professionals, and even bank loans. Those who feel their business is operating less successfully and have not hired or not hired as much as they would have liked this past year are more likely to say this is because they are taking on additional responsibilities themselves compared to those who feel highly successful (38 percent vs. Highly successful owners who have not hired or not hired as much as they would have liked in the past year are less likely to say the reason for not hiring is that their business is not growing, compared to those who feel less successful and have not hired (20 percent vs. 35 percent: “My Way” by Frank Sinatra, reflecting those who are determined and hardworking. 21 percent: “Don’t Stop Believing” by Journey, because they are hopeful and optimistic about achieving their goals. Small-Business Success Study Methodology: Braun Research conducted a telephone survey among small-business owners across the United States on behalf of The Hartford. Some of the statements in this release may be considered forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995.
Ann Butler: In my commercial kitchen, one of the owners of the food trucks that uses our space to be compliant with the health ordinances taught a class to potential food truck owners. Be Inkandescent: You intend for schools around the country to buy the cart and the Edible Education curriculum. The Edible Education curriculum is aligned with course standards, and we are getting them benchmark-aligned as well. BeInkandescent: Along with reading recipes, following instructions, and sequencing, the cooking process develops 21st century workplace skills. Be Inkandescent: Excellent point — and the perfect time for you to share tips on how to teach kids to cook. Top tomato, pumpkin, or squash soup with a spiderweb design using a pastry bag with Greek yogurt. Ann Butler: James Beard is a leading culinary advocate, who understands that Millennials relate to the sustainability movement — they want to decrease meat consumption, decrease use of resources.
Ann Butler: That is probably the most famous nutrition program in The United States right now. When you have those conversations, you end up with a whole school and all of their families eating kale. Ann Butler: The original concept of Edible Education was to be an after-school enrichment provider supported by parent fees.
Be Inkandescent: When did it first hit you that you absolutely had to do something to get some of those 450,000 people into your stores? The world really is coming to Richmond, and we want to welcome all these people from different nations to our great city. Be Inkandescent: Do you also hope that West Main Village will be a group that does other events in the future?
I was intrigued, so I went down to watch the race and see how it would impact the neighborhood. BJ, Jennifer, and I went to City Hall to get a closure for the road so we could create a village during the last three days of the race.
BJ Kocen: The biggest thing is attracting the fans who will be following the racers down the race course along Lombardy Street. Digital marketing has changed the marketing mix in Mexico and is an effective way for companies to create a relationship with consumers. North America has the highest percentage of its population using mobile broadband with 72%.
Other sites that reported large growth over the period were Ask.fm (12,739 million growth) and Tumblr (5,471 million growth).
The country with the highest average time spent on social networks is Argentina with 9.8 hours. The region is home to five of the most engaged social networking markets worldwide, with an online audience that is fast embracing video and mobile advertising. The mobile device offers a great way for marketers to bridge the gap between the physical and digital world and you don't have to rely on the latest, most sophisticated smartphones to engage your audience. Argentina, Colombia, Uruguay and Chile have the highest penetration of online populations, whereas Ecuador, Paraguay and Bolivia have the lowest number of online citizens.
This case study shows how with the campaign Homecentre created a viral effect with a common man giving away everything he owned.
Investing in startups, family-businesses and more in general in SMEs, is not that easy yet. While the investment limit for retail investors is the lesser of $5000 or 10% of their net worth. The prior attempts to pass a crowdfunding law in California were not successful but now it could be the right time.
The new California Local Economies Securities Act (AB 2751), by the Sustainable Economies Law Center (SELC), which already passed the State Assembly Banking and Finance Committee, aims to make investing in local businesses much easier. These two initiatives are an important step in developing access to capital for small businesses and further growing the entrepreneurial ecosystem in California. Those interested to start a P2P financing platform can submit their application to the SC starting yesterday, May 2 2016. After having released these guidelines for digital investing, the securities commission authorized the launch of six platforms (Alix Global, Ata Plus, Crowdonomic, Eureeca, PitchIN and Propellar Crowd+) allowed to facilitate digital investing for non-accredited investors. You can find the new rules in the Chapter 13 of the document (Guidelines on Recognised Markets). Everything from front-of-house services, such as customer on-boarding, account management and customer advisory, through back-of-house services ranging from risk management, payments, transactions and settlements. From e-wallets, payment gateways, ID verification, KYC, AML and others, these building blocks are designed to be integrated and run with others. The increasingly advanced range of APIs now on offer begs the question – why develop stand alone in-house solutions?
Throw in payment gateways, custodian services, AML and online KYC checks, and you have a market ready platform.
A Michelin starred restaurant, where the best professionals in their chosen areas of expertise are brought together to offer unrivaled service.
This starts with understanding a client organisation’s digital culture, and alignment with future goals and opportunities in terms of customer service.
Our consulting and advisory unit Grow Advisors offers professional services aimed at fostering and growing the use of digital finance around the world. Together with Southeast Asian Audio-Visual Association (SAAVA) and international crowdfunding platform Kapipal, the Creative Content Production Conference is offering film projects to raise money, increase awareness and connect with industry’s leading investors at the event. It’s an adventurous & humorous short story about a boy who finds a gadget from outer space that is extremely dangerous.
Bhutan, famously known to initiate the Gross National Happiness index as a measurement of and national success, is also one of the world’s most isolated nations. It’s a story about Petros, a Greek professor researching Nikiforos’ personal diary to research the mystery of the stones the three walls of the Holy House of Mary, today inside the Basilica of Loreto, really come from the Byzantine church of Porta Panagia, in Pili, where they were guarded by the Byzantine family Angelo Ducas Comneno. The financial services sector is a major backbone for the UK economy, and fintech an emerging sector within it.
It has enabled a culture that allows and encourages innovation of new services; where regulations and guidelines are based on actual experience and industry feedback loops. Recruiting in the UK’s finance sector has slowed according to a recent Financial Times article (paywall) as companies see uncertainty and delay recruiting decisions until after the vote. It would lack essential skills and experience in areas such as technology, internet and data science.
Though local licenses may still be required depending on the service offered, the UK has been able to benefit from the global appeal of its fintech ecosystem. Today one can argue the UK offers better and more liberal regulation for fintech companies.
If we factor in the fact that there isn’t a strong history of UK businesses with significant international success in Internet, retail or technology, UK fintech success on a global scene is not a foregone conclusion. We have outlined several risks facing UK based companies when looking for growth in Europe and globally. Add to that the importance of an environment conducive to grow business, one that encourages talents to come and innovate. Below, we will detail some of these crowdfunding efforts and also note that more and more universities and colleges are using crowdfunding as oppose to traditional fundraising efforts.
Yet research projects often require finances (sometimes a whole lot!), so where do researchers turn to in order to generate funds? Rather than give up, students and coaches are turning to crowdfunding as a way to generate funds so players can continue to play the sport that they love.
The premise behind this is that universities are better able to leverage their alumni network via social media contact, as opposed to traditional contacting methods, like newsletters or postcards. This week it was announced that BlackRock made an investment of ?12.7 million in Funding Circle. This comes in the form of onboarding these customers onto a digital finance portal which they operate. By operating in the “cloud” platforms both future proof scaling and mitigate internal controls to enter the market efficiently. Utilising their internal expertise in market knowledge, operations and product positioning, it gives them an advantage over most. Benefiting from cheap oil, the weak euro, and the slow decline in unemployment, the outlook looks positive overall.
Sometimes they are a fresh individual or group looking to start a new league or raise money for a future event, other times they are already well-established and simply need funds for new jerseys or tournaments. Digitization, alternative finance and fintech enable many new things, but they are enablers and the ultimate target is to offer better products and more value to the customers, to increase business earnings and offer better ROI for capital. We then highlight some models and solutions, how finance companies can increase efficiency and value in all those key areas.
The established finance institutions often also need a significant culture change to adapt to new models.
For example, Crowd Valley’s back office enable fast development of new finance service on robust cloud based back office functions, DealIndex is the leading source of Alternative Finance data, Grow Advisors assists finance companies in the transition to the digital era, and TradeUp develops new models for export growth capital.
Banks have their capital restrictions and price for capital tied to higher risk loans that leaves a lot of room for other players.
There are some activities in that area and often sought from the investors position, but e.g. This is the area where Crowd Valley also offers leading solutions for platforms and portal to meet their ongoing and long-term requirements.
They have the same stories about regulation, some known platforms and speculation, how new models can have a huge potential.
It requires more ecosystem, business model and technology competence than most conferences offer today. Now Boston Consulting Group (BCG) has produced evidence that private equity funds with portfolio companies with increasingly popular buy-and-build strategies (in which a PE firm buys a company and then build on this platform through add-on acquisitions) with cross-border acquisitions outperform buy-and-build strategies that are purely domestic and strategies that do not include buy-and-build. The international expansion of a formerly domestic company is hypothesized to unlock opportunities for cross-selling, generate larger scale economies, and catalyze further expansions, especially if the business improvements raise investors’ expectations of results that have yet to be reflected in financial performance. Many of these stories are so remarkable that we decided to create a “Creator Spotlight” blog series. Each person who donated will receive a copy of the album and depending on the amount given, she or he will obtain the music in a different format (ex. It looks like frameworks and proposals being put in place may speed up that development, by forcing uniform standards and requirements on the market. The revised Payment Services Directive (PSD2) may have a long term effect and catalyze the banking sectors position shift to piping from certain high-value services.
The PSD2 is still not fully set and the discussion is still ongoing, however, there are various elements that are interesting to examine and are being anticipated by service providers in the financial markets. The use case is to allow third parties, with the end users permission, access to certain services using their accounts with financial institutions such as banks. Take for instance the Spanish Bank BBVA’s API Market platform that’s been rolled out in Spain and the US so far.
We can see the amount of investment being made into new cutting edge technologies, new ways of providing services and new business lines being created.
Or it can be used as supply chain financing that helps the company get paid faster for its export shipment than its foreign buyer wants to pay, and thus get cash flow needed to process the next order.
Debates on the trade finance gap—and on export promotion and trade and development—need to focus on the growth capital gap. World trade grew an average of 3 percent between 2010 and 2015, after 6 percent annual growth between 1983 and 2008. Below, we will look at a couple different examples of famous musicians using crowdfunding for their albums or tours!
She proved to be extremely successful, as she generated $1.2 million from her fans spread out across the globe. Like Palmer, De La Soul felt that it was in the music’s best interest that they separate from a major label, citing that major labels often infringe on the creative process. Either way, we understand the problem: The external environment changes rapidly and unpredictably, making leaders look silly. Scenarios are integrated narratives of how the future may unfold, with always two or more in a set.
Midweek there is a check-in teleconference lasting one to two hours, during which the teams test their evolving framework.
A key problem, arguably the key problem in successfully managing a TUNA world is “frame rigidity,” when a leader’s mental model is not wide enough or flexible enough to perceive (or to take seriously) all the alternative, plausible outcomes that matter. The program was started in the early 2000s by Ramirez, joined soon after by Wilkinson, and has been continually refined as the field itself has come to understand the many pitfalls that scenario projects have fallen into. You follow these-and-these steps and end up with 2×2 matrix and you think you’ve done well. Delegates learn about the political setting as well as the social process of the client, because what works for one won’t necessarily work for the other.
Clarke wrote that “any sufficiently advanced technology is indistinguishable from magic.” So to a rainforest shaman, an iPod looks like magic, and to us, his ability to create psychoactive medications by listening to plants “singing” looks like magic. We have been very successful in terms of making stuff, but we’re not so successful at making ourselves happy, or caring for the planet on which our survival depends. Our own physicists describe a reality in which every physical thing is actually a field of energy, “entangled” with other fields of energy that may be millions of miles away, and communicate with one another faster than the speed of light.
When we let ourselves feel “one” with anything or anybody, a real connection is created between our consciousness and that supposedly separate entity. These people become incredibly amazing as they clean out their own lives and minds during their training (we operate under the premise that we must “live it to give it,” so coaches get good and clear). I am literally reduced to tears of gratitude every time I really think about this tribe of clear, bright, powerful, loving people. But if you’re ready to follow your own North Star and the coach-training program feels enticing, jump right in! We wish you the very best in all of your endeavors, and look forward to reading your monthly columns in O, The Oprah Magazine. In addition to women’s lower earning, 67 percent of women spend a portion of their adult lives as unpaid caregivers. Let’s first look at some basics of Social Security that will help you better understand your benefits.
You may begin taking reduced Social Security benefits when you reach age 62 rather than waiting until FRA.
Also, many of the benefits rules are complex, and it would be in your best interest to contact the Social Security Administration with any questions.
They are both eligible for their own retirement benefits of $2,000 a month at age 66 (their FRA).
Her husband, John, started taking monthly benefits of $1,500 at age 62 but died this year at age 66. Aaron is eligible to receive $2,000 a month from Social Security when he reaches his FRA of 66. Aaron also realizes taking payments at age 62 would reduce his wife’s benefits during the nine years that they expect her to outlive him. If he delays his claim until age 70, his benefits — and his wife’s survivor benefits — will increase another 32 percent, to $2,640 a month. Elaine’s lifetime Social Security benefits would rise by about $68,000, or 27 percent.
Her essays have appeared in the Virginia Quarterly Review, The Believer, The Rumpus, Psychology Today, and on NPR. They were stunningly original and I wanted to know why I had never seen this side of O’Keeffe before. I wanted to write it from her point of view with imagined thoughts and dialogue but grounded in actual events and peopled only with real-life characters. I feel that by aging, I’ve really begun to become the person that I want to be, that I’m meant to be, and one of the things that O’Keeffe did in the course of her life is make bold choices.
Their affair was so loaded — there was desire and ambition and love and sex and fame, and the search for artistic freedom.
He had such faith in her greatness, but he needed to orchestrate every element of the world around him, to the point of blindness to the risk of losing what he wanted most.
Time itself was feverish then, our bodies filled with fire, your fingers inside me, mouth grazing my throat, breasts, thigh. This may sound wise, but it misses a great truth — if we want to experience true intimacy, we need to be taught to love aspects of ourselves, again and again, by the people around us.
Your pet might be starving, but it will still be terrified to enter into the newly free space.
These aspects of ourselves threaten our safety, but as I explain in my book, Deeper Dating, they are the direct path to love and, not incidentally, to personal greatness. The best — sometimes the only — way out is through relationships; relationships that instruct us in the worth of our most vulnerable self. Sharing a meal seems a gesture of goodwill — after all, who’s going to fight in one sentence and then say, pass the sushi in the next?
While such thinking propels the lunchtime scenes everywhere from the Four Seasons in New York City to Chateau Marmont in Los Angeles, new research from Stanford Graduate School of Business calls it into question. But in situations that are cooperative, such as when the two parties are friends, meal sharing reduces the overall value of the deal. Having a meal where you share food would be a good strategy in a competitive situation where there is an adversarial relationship. In cooperative negotiations, typically people are more concerned about reaching an agreement for all parties involved. At the end of the exercise, we measured their perception of the interaction and assessed value creation by examining the joint gain created by the two parties.
It’s that juxtaposition of that social ritual, which is cooperative, and the negotiation, which is competitive. So, food sharing in that situation could restrict important information exchange and distract negotiators from finding the best outcomes.
In one of the studies, some participants were given their own plates of chips and salsa, and some were given a communal bowl. So, the specific answer to your question is no; however, we would not be surprised if sharing food has a similar effect on negotiators from other countries and other cultures.
We had study participants share a calculator and didn’t see a similar difference in how our participants approached the negotiation.
Sharing a calculator is slightly cooperative, but it doesn’t have the same kind of social overlay.
Peter Belmi, who was a doctoral student in organizational behavior at Stanford Graduate School of Business when this article first appeared, is now an assistant professor of leadership and organizational behavior at the Darden School of Business at the University of Virginia.
29, fewer small-business owners are focused on growing their business now than in 2012 — yet more of them are feeling successful about how their business is operating and say they are optimistic about the economy strengthening this year.
Swift, CEO of The Hartford, a more than 200-year-old insurance company based in Connecticut. In contrast, owners who feel less successful seem to be taking on the load and stress of running a small business more on their own. A total of 2,003 interviews were completed with small-business owners of for-profit businesses with fewer than 100 full-time employees who have been in business for at least one year. We caution investors that these forward-looking statements are not guarantees of future performance, and actual results may differ materially. It’s completely outfitted with everything you might need to cook with, and it can easily be wheeled into a classroom, or stationed in your backyard, or at tailgate parties. His goal was to generate business for his company, Joe The Cart Guy, which builds food trucks. The curriculum gives teachers of different subjects an opportunity to use food in their lessons. There is a kind of right and wrong in cooking, and the kids learn quickly what makes it wrong if they don’t follow the instructions. We do it three times a day … you would think more of us would know how to do that for ourselves. Use an empty plastic water bottle to suck up the yolks by slightly crushing the water bottle to create suction. Anything in a martini glass looks good — mashed potatoes, chocolate pudding, or a simple mixture of crushed graham cracker, cream cheese, and honey with fresh berries. Line silicone cupcake liners with 2 wonton wrappers and pour in some scrambled eggs with a little cheese and spinach — Wonton Mini Quiche.
Assemble green apples, green grapes, and mash some marshmallow eyes for a healthy version of a sweet frog. Pop your own popcorn and experiment with different toppings — taco seasoning, Parmesan, or my favorite — drizzled honey with cinnamon and cranberries. Greek yogurt can also be used in smoothies, for cooking cream-based sauces, and in breakfast parfaits. Lightly steam cauliflower and pulse in a food processor — it’s the same consistency.
Thank you First Lady Michelle Obama for bringing attention to the fact that nutrition and education, along with the health and well-being of our children, are a priority. So, we’re grateful that the the first lady is asking chefs to go into the schools and share our knowledge, and get salad bars installed and better foods on the line for our students.


We partnered with Farmer Greg of Field of Greens Farms for the last four years because we know that when kids work in the garden and plant things in the pots, they see it growing and they pick it, cook it, and eat it.
We partnered with Young Rembrandts for art in the morning, and the kids cook in the afternoon.
So we sat down with these savvy entrepreneurs to learn more about their thought process, their challenges, and their big dreams for what may come as a result of their efforts to close down the block in front of their shops and host a street fair on Main Street in the Fan district of town. We knew that the only thing that could top this event was if Richmond secured a bid for the Olympics. That’s why we came up with this idea of embracing the race, because we see it as an opportunity for all of the business owners in the neighborhood to come together and work on something big that is certain to be a ton of fun.
We see it as a great way to pull together the folks who have businesses near ours, and while having it continue past the race may take a little effort, we are up for the challenge!
I remember it clearly because a group of kids was handing out information packets explaining that the road would be closed all weekend long because the collegiate bike races were coming through town.
It dawned on me then that in September, we would have the world race in town — and it would be a huge event. The first step was to invite all the neighbors to come hear about what was happening, and think about what we could do to maximize our visibility. It’s one of the big bends in the course, and they are going to be racing through this portion of the course every 20 minutes.
By focusing on consumer insights like this marketers have an advantage and can communicate with consumers more efficiently.
Of the top 10 countries, Mexico showed the lowest average time spent on social networks with 7.5 hours. Ditch the flash and the heavy images: it’s better to be there, than be pretty but never get loaded! As they do, marketers have the opportunity to reach and engage an interconnected audience and build brand reputation through the spread of positive word of mouth.
Why not think about the options that can be offered by shortcodes text back response, SMS, Interactive Voice Response and automated outbound dialling? The campaign was to create a suspense about an ordinary man who has come up with a peculiar idea of giving away everything he owns and only and the end he reveals the reason – The Homecentre season sale.
I now have a fantastic website, bringing me lots more business and costs me a fraction of what Yellow Pages wanted! To name a few in October the SEC approved the Title III of JOBS Act, making online investing possible for retail investors. From a pure innovation cycle point of view, they offer a credible alternative to acquiring or buying out companies seen as threats to incumbents.
From funding solutions to marketplaces and co-investment models, we help disruptors and incumbents alike, to set business strategy and deliver technology solutions. As the Buddhist kingdom continue to modernize and open up to the world, will the ‘happiest country in the world’ continue to remain contented and happy?
In contrast, many countries have opted to define exacting rules beforehand, leaving much less room to innovate and often stifling the very sector they aim to grow. Looking closer at fintech, it requires a mix of several key skills including 1) finance, 2) Internet services, 3) technology, and 4) data science.
Recognising the importance of foreign labour skills, even the ‘Leave’ campaign suggests the UK could continue to take on foreign workers.
If ‘Leave’ wins, the ensuing EU resignation process could take up to 2 years, though negotiations and developing new business frameworks are expected to take even longer. Skilled workers from outside the UK often make up for the shortfall where highly analytically skilled professionals are needed. In a post brexit environment, this may no longer hold true, and other cities more accessible may emerge as beneficiaries.
However, companies wanting to operate in other countries must fulfil specific requirements in those countries too. In contrast, other European countries such as Germany, Sweden and Spain, have created highly successful modern consumer business globally. With ?6.6 billion in revenue and more than 60,000 people employed in 2015, the size of the UK financial technology sector is already considerable and considering the attention given to the sector, the future definitely looks promising. Traditionally, researchers would have to compete for grants, yet now more and more are turning to crowdfunding in order to raise money for their projects. This is still in its initial stages, but universities spread out across the entire United States – in states such as Utah, Vermont and Virginia – have launched crowdfunding campaigns in the past, and more are preparing to in the future! Similar activity is mirrored by companies such as Goldman Sachs, JPMorgan and DBS in Singapore. The motive for the institution is clear and with the rise of “collaboration” it makes entering the market effortless.
With the prospect of economic volatility reaching developing countries, evaluating risk is key when determining investment and trade opportunities. Whether it is an Olympic level athlete generate funds for the Rio 2016 Summer Olympics or a youth sports teams trying to gain support for their tournaments and travels, athletes from all over the world are using Kapipal (a Grow VC Group company) to raise money for their dreams. With the campaign page, it will be a very important that you inform your audience of who or your team is and what your goals or dreams are. The UK has been the leading market, where the FCA has had an important role to play in enabling the fast development of the industry.
I also boosted my personal music page on Facebook in order to reach a wider number of people. Similar initiatives are being prepared and launched in various forms of innovation accelerators, internal ventures and new business development teams around the world. Given the interconnectedness of the global financial services sector, new ways of delivering are being prepared and launched all around the world, and strategies are being laid out on how positions are changing in the market. The same characteristics in the market demand that ultimately manifest themselves also in new regulatory discussions and proposals, are what is is driving this shift from Asia the to the Americas.
We will see banks both lead and get left behind, with the shift to becoming more relevant to the market, the consumer and the service provider longer term being the main focus. Growth capital is equity and longer-term debt financing that is not aimed at any one trade transaction, but rather at expanding a company’s production and sales capabilities. But it is important to keep in mind that she did not merely generate this huge amount by only asking her fans. Within a month of creating their crowdfunding campaign, they were able to generate $600,874, far surpassing its goal of $110,000 (their campaign surpassed this figure in only 9 hours). The resulting album, “And the Anonymous Nobody,” is set to release this year. This avoids the brittleness of a singularly predicted future — which the unpredictable world will surely make nonsense of.
But that doesn’t prepare the delegates for what they are going to encounter in their organizations.
There is so much ‘production’ of scenarios, so little effective use of them,” says Wilkinson.
Directing human attention is the way people trade good and services — thus how they survive financially — in the wild new world. This may lead your attention to something that needs to change in your environment, or to a story you’re telling yourself about a past or present situation.
Make sure you talk about general conditions, not specific things you want specific other people to do. Our technology is about learning to make silicon chips, his is about learning to hear plants. I believe we can use the best of our culture (the magic of technology) and the best of less-materialistic traditions (the technologies of magic) to create lives and communities that are simultaneously technically advanced and conducive to the health of our psyches, our bodies, and our natural environments. Why is this important, and what are some tips to help our readers accomplish this state, which shifts consciousness out of the verbal part of our brains? This is where we get to the limit of the Newtonian view — but our science and ancient traditions keep telling us it’s true.
If she waits until age 66 (her FRA) to collect, she will receive 33 percent more, or $2,000 a month. Because their marriage lasted more than 10 years, Kelly is also eligible for $1,000 in spousal benefits, which is less than her own. If Ann claims benefits now, before her FRA, she would receive a survivor benefit of $1,215 because it is higher than her own benefits.
He believes he has average longevity for a man his age, which means he could live to age 85.
Even if it turns out Elaine dies at age 88, her lifetime benefits will still increase 12 percent and, together, they would collect approximately $39,000 more in Social Security benefits than if they had claimed at 62. I did a ton of research, read five or six biographies, and filled notebooks because I still write longhand. Bold and brave choices are not only reserved for the young, and they don’t have to be grand and sweeping — they can be small decisions and choices to live a life more intimately and intensely on our own terms. I have close friendships with a number of other writers, and we read each other’s work, support each other, and share the joys and challenges of the creative process. I think you have to want to do it, but it’s also about necessity; it’s just something that you’re driven to do. They had this intensely stormy passion and that characterized their marriage and intrigued me. The metallic scent of the darkroom, smells of sweat and linseed oil, a stain of cocoa on the dining table. It will only take a few jolts before your pet gets the message: If it goes too far, punishment will be instantaneous.
And when it finally crosses the line, it does so with trembling; anticipating the pain of new shocks. When we suppress these challenging gifts, we’re left with a sense of emptiness and loneliness. You might suppose, then, that negotiating while eating can only help bring good deals to fruition. We used apples and caramel sauce in one study, and then we used chips and salsa in another study.
Those who ate from a communal bowl and were in a competitive negotiation created more value, and those who were in a cooperative situation created less value. For generations, that’s what it reportedly took to be a successful entrepreneur — grit, determination, and an adventurous spirit.
Investors should consider the important risks and uncertainties that may cause actual results to differ. Building strong, positive relationships with loved ones and friends can provide you with needed support and acceptance in both good times and bad.
It not only has a childproof magnetic induction burner that turns off when the pan is lifted off the burner so that only the pan gets hot, but it also has a sink with hot and cold running water, an oven, and all the tools and small appliances you need to create delicious, nutritious meals throughout the school year.
I listened to his presentation and thought, wait a second … he could build me a food cart that I could send into schools.
A lot of teachers want to write in the book when they made a recipe, the students’ reaction to it, and how they will expand on the curriculum in their lesson.
We have had students think salt was sugar, so they would add a cup of salt instead of sugar. The Better Burger Project, which was introduced in the spring, uses half diced mushrooms, half burger, and smushes it all together to make a beautiful burger that cuts your meat consumption in half.
Because of our poor eating habits, we are unfortunately raising the first generation of students who will not outlive their parents.
For the future, I envision a school system nationwide that provides food education from the beginning. We want them to have a good time, be comfortable, and we want to show the world what RVA has to offer.
We knew from Richmond city officials that the road in front of our stores would be blocked to traffic, so we decided to take advantage of the opportunity. So fans who stand on our piece of Main Street will get to see the racers fly by — but what are they going to do for the next 20 minutes? But in order to be successful in social marketing you need to listen first, then plan before entering into the conversation. Thus, subtly emphasising the sale being so good that he wanted to get rid of his possession to be able to shop. A few months prior, South Korea launched “Financial Investment Services and Capital Markets Act” and Portugal regulations for securities crowdfunding.
Other than strong finance skills, the UK’s track record to build global technology and Internet companies is however not world class. It would however create systems to control and monitor who and how many are welcomed into the country. Companies however would be required to adapt to the new situation immediately while having to make investment decisions based on longer term plans. With tight resources, faced with administration hurdles and visa processes, changes to immigrant workers could impact operations.
Though the UK has strong education establishments, it often lags other European countries when it comes to computer science, mathematics and other more analytical courses. This, as a result of an unclear trading environment where new frameworks need to be established.
Services built on fintech are different from say, traditional fund management and investment banking. And for those willing to go through potentially complicated visa (or similar) processes, there are other options like the US and some Asian fintech hubs to compete with the UK. While these large institutions are making waves in the digital finance space, similar size opportunities are being exploited by community banks and institutions in the form of local P2P networks. Tell exactly why you need additional funding, and what you plan to do with it once you reach your campaign goal.
Most solutions are relevant for many types of finance institutions, but we also include models, how e.g. The event served as a good summary of the p2p lending and equity crowdfunding market in the UK and some other countries. Many parties also see that much more data, including historical data, is needed to get the market to a more mature phase.
In addition to public posts, I wrote private messages to friends asking them to share my campaign with their friends and acquaintances and wrote several emails to people in the same fashion.
Leveraging back and middle office frameworks like the Crowd Valley Digital Back Office is part of this development and in our work, we are fortunate to be able to assist in the migration to the new banking economy with the right balance of efficiency and security for all parties involved. That means that, after many centuries of slow progress from basic fire-making to the Industrial Revolution, we are now inventing more powerful technologies at such a pace that soon the human brain won’t be able to keep up with the machines it has built. This is what emotion is for: to lead your conceptual mind into awareness of a situation and how it’s affecting you.
There’s a monkey at Duke University who can control a robot in Japan simply by imagining that she’s moving her own body! Test the claims of anyone who says he or she can do “magic.” Believe what works, throw out the rest. We teach simple but extremely powerful tools to help people get out of their own way and create lives that are a perfect fit to each person’s sense of destiny. If she waits until age 70, her benefits will increase another 32 percent to $2,640 a month.
Alternatively, Ann can elect to receive survivor benefits up to age 70, and then switch to her own benefits. Elaine will get $1,000 a month at her FRA of 66, and, based on her health and family history, anticipates living to an above-average age of 94. In order to do this, Aaron would either keep working or use savings to cover retirement expenses until he receives Social Security.
One hundred years ago, O’Keeffe was creating radically new abstract forms when only a handful of American artists were bold enough to explore abstract language in their art.
His photographs of O’Keeffe at that exhibition were accompanied by excerpts of the letters that O’Keeffe and Stieglitz exchanged over the course of their relationship.
I tried to see the world the way a visual artist might see it, trying to break the world down into shape and color and line. I found a job at The Charles Playhouse in Boston where I worked evenings so I’d be able to write in the mornings.
You have to have a fire in you for a certain story, otherwise you couldn’t sustain it for 320 pages! You feel like it’s running through you, but there are so many days when it’s a much harder road. I wrote a piece for the Virginia Quarterly review where I talked about how writing isn’t always something that makes me happy or I always love, but it’s something that I’m driven to do, that I have to do. It is the same with us; even though we yearn for the freedom of our true self, some deep reflexive instinct still tries to protect us from being hurt again. Page has led online and in-person workshops on intimacy and spirituality for thousands of participants worldwide. What we found is that when people were negotiating in a competitive situation, sharing the food — and by that we mean sharing, not just eating — they created significantly more value. These important risks and uncertainties include those discussed in The Hartford’s 2014 Annual Report on Form 10-K, subsequent Quarterly Reports on Forms 10-Q, and the other filings made with the Securities and Exchange Commission. Establish other important connections by volunteering or joining a faith or spiritual community. Accepting and even anticipating change makes it easier to adapt and view new challenges with less anxiety. Now I’m trying to figure out how can I scale this so that Edible Education can not only be in central Virginia, but in Idaho, California, and Russia. Plus, students following a recipe learn teamwork — with 12 students around the cart and a teacher leading that group, the students following a recipe have to work as a team to be successful. I got involved when I told them that Edible Education reaches about 2,000 kids in the summer, and it was really fun. Sadly, many of them will become obese, which leads to diabetes, which leads to heart problems.
We are doing simple things — with macaroni and cheese, we’re putting a cauliflower puree in there.
South Asia proved to have the lowest reach with only 4$ of it's population using mobile broadband.
Once you are engaged in a dialogue, manage the responses carefully so you can maximise the benefits of brand advocates and minimise the risk of negative PR. This was done by a creation of a facebook page with videos, picture and updates of things being given away and the date when it would be done. Notwithstanding, maintaining a social media presence is fast becoming a necessity for businesses to remain competitive.
We welcome discussions with leaders in their fields on how to leverage synergies and best practices from existing frameworks in emerging environments.
Recommending the specials (best practice), to advising on pairing dishes with drinks, and ensuring impeccable service. As a leading conference, 7th Creative Content Production Conference is the best place in Asia to share this knowledge and help filmmakers, big or small, to make it happen.” Mika Jordman, CEO of Kapipal stated. Cikeboom is raising money for production of teaser video to help marketing and find funding for finalizing the production. Singapore based Xtreme Production, established in 1997, has vast experience in productions of varied scales and complexities, with portfolios ranging from international television programs to global corporate communications. Add to that the fact the UK has its own very particular visa types and rules, the panorama would leave many fintech startups with additional hiring stresses.
Also, be sure to include some images or video of you in action playing the sport you are trying to raise money for. At the same it also illustrated, how the discussion now focuses on a few services and countries, when much more happens behind the curtains. Now some services have really started to offer data available that help follow many platforms and see historical trends (see e.g. It’s just a click of a button to start to start but remember that it’s not just creating a crowdfunding page.
Guilt and frustration are feelings associated with these concepts; they should be your focus. But it’s designed to take people beyond healing their own lives, and on to healing other people, beings, places, and situations.
If she were to live to age 89, her lifetime benefits would be about $47,000, or 13 percent greater, because she had waited until age 70 to collect benefits. Alternatively, she can elect to collect $1,000 of spousal benefits only for the first four years and delay her own benefits to age 70. By then her own benefits would have increased to $1,980 a month, a 76 percent increase in monthly benefits. The couple was planning to retire at 62, when he would get $1,500 a month and she $750 from Social Security. And what was her 30-year relationship with famed photographer Alfred Stieglitz really like? There’s a remoteness that we associate with her, but she was a passionate person in every sense of the word.
I also catered events to patch together a life that would allow me to really focus on what I wanted to do. You have to really want to write a story, in order to live with it for the several years it takes to get it down and get it right and rework it and revise it and polish it. That necessity — in all its joys and challenges and burns and scrapes and cuts — is actually what makes the difference. He has taught at Columbia University, the Omega Institute, the Garrison Institute, and The Shift Network. It’s the inconsistency between the competitive negotiation and the cooperative nature of sharing food that makes the difference. You might even write about past experiences in a journal to help you identify positive and negative behavior patterns — and guide your future behavior.
Although it can take time to recover from a major setback, traumatic event, or loss, know that your situation can improve if you work at it. Eric Gardner, and in 2014, our videos were embedded in his videos … so we had 1.3 million Twitter hits! They are worried about traffic, and they think this race is just going to be a huge nuisance. We all sat down and heard the numbers and what it was going to look like, and it created this excitement about how we could embrace it and what we could do to welcome these people into our community. We got Tom Voirol, instructor of ADMA’s Social Media Marketing Strategy course to share some of his expertise. The menu, a collection of dishes, comprises features which in turn are made up of technology ingredients.
In addition to visa complexities, UK based fintech would find it hard to operate in European markets, at least until new frameworks are established. Ann would earn more than $115,000 in extra payments if she lived to age 88, boosting her lifetime benefits by about 40 percent.
There was longing and heartbreak and desire, and the language felt true to the pictures that I saw on the wall.
Writing this book included stretches of time where I felt really closely aligned with the story and what it needed to be, and times that were much more challenging. I probably got a hundred rejection letters, and I finally put it away and was done with it.
When he reads through one of my early drafts, he doesn’t just comment on the pages, but points out aspects of the story where I could push deeper. Your bowler hat, the lead rolled gleaming whiteness of an empty canvas, tubes of paint lined up. Certainly it is the case that some investment banking and fund management services operate in offshore locations successfully.
If she lives to age 89, under the second example, her lifetime benefits will be $64,000 higher, which is almost a 15 percent increase. She allowed sexual passion to be an inspiration for her art, but explicitly resisted and ultimately condemned the kind of sexualized, eroticized terms that were assigned to her art. After I moved back to the small town where I used to spend summers as a kid, I came up with an idea for another story, wrote it in about a year and a half, and it sold.
He knows my strengths and weaknesses, and he’s helped me become more ruthless with my own work. They are what I call relationships of inspiration, and we usually need to build these relationships into our non-romantic lives before we find them in our romantic partners. That helps you pay closer attention to your counterpart, and that, in turn, allows you to find ways to create more value.
John can also do the same thing — elect to collect his spousal benefits at age 66 and then switch to his own benefits at age 70. That’s not who she was — she was a naturalist, an abstract painter, and she was doing wildly innovative works. Still, the failed novel, the one that is still under the bed — was really the greatest writing teacher I ever had.
Finding people, whether a friend or partner, who see me as an artist and believe in my work sustains me. When you date someone like this, recognize what progress you’ve made to let them in, and celebrate that.
Practice stress management and relaxation techniques, such as yoga, meditation, guided imagery, deep breathing, or prayer.



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