The Money School Created By A Financial Guru & Bestselling Author Who Triumphed To Build Wealth

New York Times bestselling author and financial guru Nicole LapinIMAGE COURTESY OF NICOLE LAPIN

Long-term goals, budgeting, saving, and enjoying small indulgences are a some of the key things you will often hear explored by financial guru and New York Times bestselling author Nicole Lapin. Lapin founded The Money School after a role as an anchor on major television networks where she noticed a large gap in populations that gained access to financial literacy knowledge. The population Lapin desired to support was the former version of her self. The one, the founder describes as: “that girl who was smiling, nodding, and not joining basic money conversations because she was too freaked out and too scared to do it.”

As a first-generation American, Lapin was raised in a household where financial literacy was not primarily taught or spoken of. Growing up, at age eleven, she encountered the loss of her father due to a drug overdose and a lack of guidance from her mother. During this time, Lapin describes seeing her parents primarily make money moves that were not the most ideal. This sparked her desire to write a new trajectory for her future.

By starting from the ground up, Lapin expresses taking any job she could from working at a low salary to accumulating credit card debt, and more. Finally, with determination and grit, she landed a job as a business reporter and it just happened that the role was in the field of finance. While feeling clueless and freaked out about the language of money, Lapin explains that she had to learn the language of money the hard way because her job demanded that she spoke it to the world.

Learning The Language of Money

At the “school of hard knocks” the financial expert, who then was the process of acquiring greater knowledge, details that she encountered a plethora of funny affirmable moments along the way. Through her work, Lapin shares these experiences to challenge others to embrace being comfortable with learning and growing through unfamiliar spaces.

For example, while Lapin was on the floor of the Chicago Mercantile Exchange she gathered her belongings to head to an interview with a few founders. On her way out she recalled her manager asking: “Do you have the P&L?” And she responded: “No” staring with a puzzled grimace. “No, I don’t have to pee,” she thought to herself. In another instance, Lapin describes thinking that a former boyfriend was a garden “hedge manager” given his role at a hedge fund.

To Lapin, money has served as a language to be learned and one that we often don’t realize can serve as the biggest hurdle for bridging avenues to opportunities in our financial lives.

Pervasive Disparities in Financial Education 

Learning the language of money has become instrumentally important due to an ongoing widespread dialogue surrounding the financial literacy education gap in America. Currently, two-thirds of American adults are said not to be able to pass a basic financial literacy test, 54% of Millennials express worry that they will not be able to pay back student loans, and only 16% between the ages 18-26 feel very optimistic about their financial futures.

To counter these disparities at a national scale, Lapin advocates for lobbying for more financial education in our governmental system to bridge what she notes as “a personal budget deficit.” However, in addition to lobbying at the national level, she advocates helping others explore a fundamental piece of the puzzle that they truly can control, which begins with themselves. She articulates this by sharing:

People say all the time I’m freaked out by the stock market; I’m freaked out by all of these things. And all we really have control over is ourselves. This is a deeper component of the conversation because how we each interact within these markets permeates all aspects of our lives.

By founding The Money School, Lapin has created opportunities to support each individual learner where they are in their financial growth journey. Given that so often financial learning exists within traditionally broad topics explored in school such as macroeconomics, by meeting the individual learner where they are in the process Lapin shares practical hands-on tips and tricksfrom writing checks to completing taxes or making a budget.

IMAGE COURTESY OF NICOLE LAPIN

One Solution: The Money School

The Money School is an online community Lapin created where she shares a 12-step plan for helping others get their financial lives together. This plan has been tested in both of her books and the third book due to hit shelves soon. Traditionally, readers and students have found the guides to be easy to follow and iterate upon.

The financial guru and New York Times Bestselling author shares that the first step at The Money School is:

…Admitting you have a problem—and we all have problems—so that you can do something about it. From there, I wanted to create interactive video lessons, worksheets, and quizzes for the school community. Then bring in some cool experts and friends that I know from the business world to help along the way.

Overall, a key goal for the Money School is to rethink the way education around this topic looks. To do so Lapin has broken down finance into a language we often would use daily, like in a meeting with a circle of friends. Similar to friendships, she compares starting a new financial guide to embarking on a long-term endeavor. During the journey, Lapin says it’s “beneficial to set benchmarks and opportunities for small outings and/or indulgences so that you stay on track.”

How to Start Achieving Your Money Goals Today

To start achieving your money goals today, Lapin shares: “We really need to focus on our endgames and goals.” To cover these two areas, she recommends breaking down: 1) a spending plan into three E’s—essentials, endgame, and extras, and 2) goals into three F’s—family, finance, and fun. The Money School founder uses these alliterations to explore how we can look at our goals holistically due to our work lives and personal lives overlapping in numerous ways. In order to achieve true happiness, “we must achieve happiness in all areas,” she shares.

Additionally, when it comes to creating plans for money matters Lapin encourages those who wish to become financially fit to pursue money from a place of aspiration versus deprivation—mentality plays a crucial role in the process. For example, a person aspiring to build wealth settling to clip coupons and digging in the couch for coins may have greater adverse effects than one focusing on creating a savings plan.

As Lapin highlights:

…Figure out where you aspire to go and then reverse engineer your actions. The more I’ve been able to be real, the closer I’ve gotten to reaching my goals and you can too! For me, I had to get to a place where I was super vulnerable, authentic, basically naked, sharing all the stories I wanted to whiteout in the past when I tried to pretend I was perfect. Doing the internal work, only I could do for myself, made all the difference.

[“source=forbes”]

NASA Seeks Partnership With US Industry to Build First Element of ‘Gateway’ Orbital Outpost

NASA Seeks Partnership With US Industry to Build First Element of 'Gateway' Orbital Outpost

In line with US President Donald Trump’s “Space Policy Directive 1”, NASA has sought partnership with the US industry to develop the first element of the Gateway, which will become the orbital outpost for robotic and human exploration operations in deep space.

NASA has released a draft solicitation seeking commercial and international partners via the Board Agency Announcement (BAA) this week to US industry to acquire an element for the Gateway.

The Gateway will support exploration on and near the Moon, and beyond, including Mars, NASA said in a statement.

The draft seeks a high-power, 50-kW solar electric propulsion (SEP) spacecraft to maintain the Gateway’s position as well as move it between lunar orbits as needed.

It will also provide power to the rest of the Gateway, controls and communications, the statement said.

“We believe partnering with US industry for the power and propulsion element will stimulate advancements in commercial use of solar electric propulsion and also serve NASA exploration objectives,” said Michele Gates, Director (Power and Propulsion Element) at NASA.

Through the upcoming solicitation, industry will be asked to participate in a public/private partnership, which includes a flight demonstration of the power and propulsion spacecraft.

Following this test lasting up to one-year in space after launch, NASA will have the option to acquire the spacecraft for use as the first element of the Gateway in lunar orbit.

The power and propulsion element is also expected to enable high-rate, reliable communications between Earth and deep space, which will be important during spacewalks in deep space, human exploration of the lunar surface and more.

To meet current Gateway development planning, NASA is targeting launch of the power and propulsion element on a partner-provided commercial rocket in 2022, the statement said.

In addition to the draft BAA, NASA will host an Industry Day on July 10 prior to issuing the final BAA.

 

 

[“Source-gadgets.ndtv”]

Lotame Partners with Cint to Build Custom Insights Communities

Image result for Lotame Partners with Cint to Build Custom Insights CommunitiesNEW YORK, NY–(Marketwired – Jun 12, 2017) – Lotame, the leading independent data management platform (DMP), as well as the most trusted and comprehensive data exchange, today announced a strategic partnership with insights exchange platform Cint. The partnership empowers publishers and advertisers to create custom research panels for extended audience insights and additional revenue streams.

Lotame clients will be able use Cint’s technology to create panels of site visitors to conduct tailored research, directly accessible in the DMP for highly customized audience creation and data activation.

“Building on our research foundation of quality data sets combined with best in class technology and global reach, we are excited to partner with Lotame to assist with facilitating and powering more actionable, real-time research at scale,” said Morten Stand, CEO, Cint. “As we connect our technology’s capabilities, we are bringing big data together with deep, rich, self-declared data to make unique profiles more actionable. Through this integration, we will be providing a compelling, enriched offering for media buyers and publishers around audience insights, discovery and activation.”

Publishers invite their site visitors to register with Cint, who then become panelists that are included in a pool that is sold programmatically to market researchers. For every survey completed by a panelist, the panelist is compensated, and the publisher who drove that panelist’s registration also receives a share of revenue. Cint also collects additional demographic data on their panelists at registration, which is anonymized and fed back into the Lotame DMP, giving publishers both increased revenue per unique visitor but also increased demographic reporting on those visitors.

“Lotame is committed to bringing our clients actionable data. This partnership combines our data expertise with Cint’s rich, first-party profile data that can be immediately leveraged,” said Laura Lewellyn, Senior Director of Market Innovation, Lotame. “Our client base will be able to drive deeper insights based on visitors’ responses and increase monetization from their readership.”

Cint hosts 40 million registered consumer panelists worldwide, compliant with all market research industry standards, local data privacy laws and is ISO certified.

About Lotame
Lotame enables companies to use data to build stronger connections with their consumers. Lotame is proud to be the leading independent data management platform (DMP) and offer the most widely used, trusted and comprehensive data exchange in the industry. Committed to innovation, agility and — above all, customer success — the Lotame team aims to continuously find new and meaningful ways to help its clients harness the power of data to fuel more relevant and personalized experiences across screens and devices, online and off. Lotame is headquartered in New York City, with resources around the world, including Maryland, San Francisco, London, Singapore, Mumbai and Sydney. Learn more at www.lotame.com.

About Cint
Cint is a software company developing technology to innovate the way insights are gathered. Cint specializes in SaaS solutions offering efficient, user-friendly tools to access online consumer panels, as well as panel management software. Cint’s exchange platform is a fully transparent insights marketplace, brings together questions and answers from all around the world.

Reach over 40 million people consumers in 80+ countries, all sourced via 2,000+ different panels owned by publishers, local media outlets, market research agencies and non-profits.

[“Source-ndtv”]

Acquisitions Accelerate as Tech Giants Seek to Build AI Smarts

Acquisitions Accelerate as Tech Giants Seek to Build AI Smarts

HIGHLIGHTS
Major tech companies are betting big on artificial intelligence
As a result, they are ending up in acquiring more AI startups than ever
Apple, Google, Uber, Ford etc., have acquired sizeable number of startups
A total of 34 artificial intelligence startups were acquired in the first quarter of this year, more than twice the amount of activity in the year-ago quarter, according to the research firm CB Insights.

Tech giants seeking to reinforce their leads in artificial intelligence or make up for lost ground have been the most aggressive buyers. Alphabet Inc’s Google has acquired 11 AI startups since 2012, the most of any firm, followed by Apple Inc, Facebook Inc and Intel Corp, respectively, according to CB Insights.

The companies declined to comment on their acquisition strategies. A spokesman for Apple did confirm the company’s recent purchase of Lattice Data, a startup that specialises in working with unstructured data.

The first quarter also saw one of the largest deals to date as Ford Motor Co invested $1 billion in Argo AI, founded by former executives on self-driving teams at Google and Uber Technologies Inc.

Startups are looking to go deep on applications of artificial intelligence to specific fields, such as health and retail, industry observers say, rather than compete directly with established companies.

“What you will see is very big players will build platform services, and startup communities will migrate more to applied intelligent apps,” said Matt McIlwain, managing director of Madrona Venture Group.

Healthcare startup Forward, for example, is using artificial intelligence to crunch data that can inform doctors’ recommendations.
“For people who really want to focus on core AI problems, it makes a lot of sense to be in bigger companies,” said Forward Chief Executive Officer Adrian Aoun, who previously worked at Google. “But for folks who really want to prove a new field, a new area, it makes more sense to be separate.”

Artificial intelligence companies that do remain independent field a steady stream of suitors: Matthew Zeiler, chief executive of Clarifai, which specialises in image and video recognition, said he has been approached about a dozen times by prospective acquirers since starting the company in late 2013.

Clarifai’s pitch to customers such as consumer goods company Unilever Plc and hotel search firm Trivago is bolstered by its narrow focus on artificial intelligence.

“(Google) literally competes with almost every company on the planet,” Zeiler said. “Are you going to trust them with being your partner for AI?”

Tech giants have been locked in a bidding war for academics specializing in artificial intelligence. Startups rarely have the capital to compete, but a company with a specialized mission can win over recruits, said Vic Gundotra, chief executive of AliveCor, which makes an AI-driven portable heart monitor.

“They say, ‘I want to come here and work on a project that might save my mother’s life,'” Gundotra said.

© Thomson Reuters 2017

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Tags: AI, AI Startups, Artificial Intelligence, Uber, Ford, Facebook, Apple, Alphabet, Startups, Apps, Science, Intel

[“Source-ndtv”]