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Share to Twitter Share to Linkedin After a meteoric rise during the pandemic, the buy now, pay later (BNPL) business is facing a future clouded by deteriorating economic conditions, competition from the likes of Apple and bank credit card issuers and a looming regulatory crackdown. At least, that’s the conventional wisdom. Since the federal Consumer Financial Protection Bureau (CFPB) opened an inquiry into the industry last year, regulation has generally been framed as a “ backlash ” and threat to the industry’s growth. A research note issued Sunday by Goldman Sachs analyst Michael Ng, which initiates coverage of Affirm Holdings with a neutral rating, observes that “the evolving US BNPL regulatory landscape results in the risk of potential regulation that could reduce the pace of consumer and merchant adoption.” Yet a deeper look suggests regulation could actually benefit the leaders in the American BNPL sector. While BNPL has been around in the US … [Read more...] about Why Regulation Will Help The Buy Now, Pay Later Giants

Share to Twitter Share to Linkedin California Governor Gavin Newsom (D) made national news for his recent TV ad campaign encouraging Floridians to move to California based on his claim that the Golden State is a bastion of freedom. Newsom’s Florida ads have since been the subject of mockery and derision, with Governor Ron DeSantis (R) and others pointing out California has lost thousands of former residents and millions of dollars of wealth to Florida in recent years. In fact, from 2019 to 2020 alone, California saw a net outmigration of more than 11,500 people to Florida, who took $1.9 billion in annual income with them. “While Governor Newsom breaks his own laws to dine at French Laundry as ordinary Californians suffer under his rule, he continues to lose the remaining sane residents of his state. Where do they go? They come to Florida,” said Sal Nuzzo, vice president of policy at the James Madison Institute, a Florida-based think tank. “Today, 30 … [Read more...] about Gavin Newsom’s Needling Of GOP Governors Will Be Paid For By Taxpayers

Huge, advertising-based, general-purpose social networks aren’t the high-growth cash cows they once were, as Facebook’s recent “growth” numbers would suggest. Many consumers, it turns out, would rather spend their time watching short-form videos than sharing memes and hitting “like” buttons. And new restrictions on user tracking have made it harder for mass-market social networks to target ads. advertisement advertisement The founders of a new social network called Niche believe the next generation of social networks might cater to online communities formed around more specific interests, such as hobbies or creator businesses . So, on the Niche app, which became available in the App Store Tuesday, you would find groups formed around rock climbing or around people who enjoy collecting Star Wars memorabilia. Eventually, Niche will host groups based on many different things, including music artists and business events. advertisement … [Read more...] about These Facebook and Tinder vets are building a Web3 social network called Niche

According to Antony, about 1,500 to 1.800 coffee saplings can be planted in an acre of rubber plantation. Roy Antony, a farmer from Wayanad in Kerala, is delighted that an arabica coffee plant variety he developed is being sought by the ruler of Abu Dhabi for planting in his farmhouse. Named Roys Selection, his coffee plant has become a big draw in the last few years as news of its utility as an inter-crop in rubber plantations spread among planters. “For the farmhouse in Abu Dhabi, they want 3,700 seven-year old arabica plants that have started bearing fruit for making their favourite coffee. There are no rubber plantations there but they are planning to create a cool atmosphere for the ideal growth of the plant," Antony told Moneycontrol. The farmhouse is sourcing coffee as well as other plants from different parts of the world. Antony is happy that the kingdom has gone for the farmer's variety of coffee from India and plans to provide it at a minimum payment. "This … [Read more...] about Kerala farmer’s intra-crop coffee variety vows more income to struggling rubber growers

If you want to get confused, try following the latest health and diet advice. Low fat or low carb? Will coffee kill you or help you live longer ? What's the best kind of exercise to keep your body and mind young ? Expert advice seems to change at a blistering pace , but if you want to know which findings are definitive enough to follow in your own life, you could do a lot worse than asking David Sinclair . He's been studying how to slow aging at Harvard since 1999 and is a top expert in the field of longevity research. He's also founded several biotechnology companies. If you want to know how to put off dying (and who doesn't?), he's your man. And if you really want to know which interventions are road tested enough to move from the lab to real-world practice, there's no better way to find out than to see what changes he's made to his own routine. Which is just what Medium's Alexandra Sifferlin did recently. In a brief but illuminating interview, Sinclair … [Read more...] about This Harvard Researcher Studied How to Slow Aging for 20 Years. He’s Made These 3 Changes to His Own Routine

When Jack Dorsey announced on Twitter a while back that he sometimes doesn't eat for days , healthy eating advocates responded with a howl of outrage. But even though Dorsey's routine may be extreme, he's certainly not alone in his fascination with "intermittent fasting." "Eating is so last season" According to its many Silicon Valley backers, fasting isn't just a new trendy take on the good, old diet (or anorexia in disguise). It's a science-backed way to promote increased health and productivity. "Eating is so last season; these days all the cool kids fast," joked Arwa Mahdawi in a UK Guardian article chronicling the newfound obsession with not eating in Silicon Valley "where a number of high-profile tech execs extol the transformative power of extreme fasting." The Atlantic has also covered the tech industry's obsession with the idea. The claims of fasting fans aren't entirely baseless. Years of research have shown that calorie restriction increases … [Read more...] about You Don’t Have to Starve Yourself for Days Like Jack Dorsey to Get the Benefits of Fasting

BIDEN INVOKES EMERGENCY WAR POWERS TO BUILD SOLAR PANELS… NY POST: Biden draws heat for invoking Defense Production Act to boost solar panels President Biden drew criticism Monday after invoking the Defense Production Act to potentially expedite the production of solar panels — with journalists and Republicans questioning the rationale for using special wartime powers. Renewable energy advocates, meanwhile, cheered the White House announcement that Biden would invoke the act “to accelerate domestic production of clean energy technologies, including solar panel parts.” […] The Biden administration did not specify a national-defense reason for using the act to boost solar panels. When Biden was vice president, the Obama administration aggressively pushed for solar energy production — sparking the Solyndra scandal when a politically-connected firm went bankrupt after getting $535 million in federal loan guarantees. KOREAN WAR-ERA LAW WIELDS POWER OVER AMERICAN … [Read more...] about Editor Daily Rundown: Biden Invokes Emergency War Powers To Build Solar Panels

Share to Twitter Share to Linkedin Almost everyone who grew up in the United States after the end of World War II understood that an indicator of economic success if not the indicator was owning “your own home.” Homeownership attained mythic status representing not just climbing a rung up an economic ladder but a social and psychological one; owning a home meant being a full member of society. But is it really a good idea? While there are real, measurable economic gains that can be attributed to owning a home – or rather borrowing for one – has it had deleterious effects? Is it time to ask this question more seriously along with the essential one: “Is there an alternative and do we even need one?” A film by The Economist a couple years ago sets the stage for this conversation. The film’s title, “How an obsession with home ownership can ruin the economy,” might overstate the case just a bit, but it lays out in 12 minutes some of the most compelling challenges … [Read more...] about Is Home Ownership Still A Good Idea?

Share to Twitter Share to Linkedin Senators Joe Manchin (WV) and Chuck Schumer (NY) recently agreed to a slimmed down version of the failed Build Back Better plan they are calling the Inflation Reduction Act (IRA). Manchin and other proponents of the IRA argue it will boost economic growth and reduce inflation, but this is unlikely, especially in states like West Virginia that face problems unaddressed by the IRA. The IRA spends nearly $400 billion on energy tax credits and about $100 billion on health care subsidies, primarily for people who buy Affordable Care Act (ACA) insurance plans. This proposed spending would be paid for by increasing corporate income taxes, “better” IRS enforcement, increasing taxes on investment returns, and savings from implementing price controls on certain drugs purchased by the government via Medicare and other programs. The tax increases and costs savings are projected to generate $305 billion more than the spending, and … [Read more...] about Inflation Reduction Act Won’t Help West Virginia

Share to Twitter Share to Linkedin Two years after the first rounds of Covid stimulus payments were sent by the federal government, efforts are beginning to assess the effect of direct cash payments. I have long been an advocate for cash payments, especially for rent, instead of expensive and inefficient building programs. A couple of studies point at two important outcomes from the Covid cash. First, the money helped solve real problems associated with Covid and poverty. Second, the money created some subjective impacts, specifically more awareness about money and budgeting and a heightened sense of anxiety about what happens when the subsidy is gone. If we’re going to move toward a cash for rent strategy, it’s worth taking a look at these outcomes. “ How Effective Is (More) Money? ” asks a study completed by a team of researchers looking at hundreds of Covid relief payments sent out to households during the pandemic. At first, their answer – “we find no … [Read more...] about Cash For Housing Better Than More Building Alone