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Billionaire Robert Smith is extending his goodwill months after he pledged to erase college loan debt for Morehouse College's 2019 graduating class. The technology investor and philanthropist is also paying off loan debt amassed by parents to send their children to the college, the school said on Friday. Morehouse College announced ... that Smith and his family donated $34 million to a fund that wipes away student debt for parents whose children attend the university. "This liberation gift from Robert Smith — the first of its kind to be announced at a graduation in higher education — will be life-changing for our new Morehouse Men and their families," said Morehouse College president David A. Thomas. Known as the Morehouse Student Success Program, the initiative was established as a national investment strategy to curb student loan debt and help graduates prosper faster, according to the release. Under the new plan, Morehouse will solicit and accept donations made specifically to reduce or eliminate the loan debt of students and their parents or guardians. More than 400 students, parents and guardians of the Class of 2019 will receive the inaugural gift under the initiative. The fund will cover education loan balances as of August 28. According to the release, six types of loans will be repaid: federal subsidized loans, federal unsubsidized loans, Georgia Student Access Loans, Perkins Loans, Parent Plus Loans and certain private student loans processed through Morehouse College.
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Tanyaradzwa 'Tanya' Muzinda is not your average teenager. At 15, she is already one of Zimbabwe's Motocross champions. Held on off-road circuits, Motocross is a form of motorbike racing that is dangerous, expensive and requires a lot of training. But these challenges have not stopped Tanya from competing. She came in third place at the 2017 HL Racing British Master Kids Championships at the Motoland track in England, which she says is still her most memorable race. In 2018, Muzinda was named Junior Sportswoman of the year in South Africa by the Africa Union Sports Council Region Five Annual Sports Awards. Her father, Tawanda Muzinda, says his daughter faces substantial challenges in her chosen field because it is an expensive sport. Muzinda often misses championships because of a lack of funds. The financial difficulties she faces [have] not stopped Muzinda from giving back to people in her community. In August, she paid tuition for 45 students to attend school in Harare, Zimbabwe's capital, and hopes to pay for at least 500 more students by the end of 2020. "There have been many times I didn't race for months because of financial difficulties. I thought of the children who also don't have a chance to go to school because of money and decided to do something about it," she said. Muzinda uses donations and her Motocross prize money to support children from poorer families, especially girls who are often kept home from school. Muzinda also helps fundraise for an orphanage.
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While electric vehicles are quickly proliferating throughout the world, most electric engines are still relegated to smaller vehicles. But then there's the Elekto Dumper - the world's largest EV - which flouts the rule that EVs can't handle serious work. The truck is used to haul lime and marlstone, which contains clay and silt, from the sides of mountains in Switzerland. Then, the material is transported directly to a cement factory. But here's the really impressive piece of engineering—this heavy dump truck never needs to be charged. Here's how it works: The dump truck, itself, weighs 45 tons and ascends a hill at a 13 percent grade, in one scenario. On the way back down, it's more than twice as heavy, carrying 65 tons of ore. To rectify that scenario, the truck's "regenerative braking system" actually recaptures the energy created by going downhill, refilling the battery's charge for the next time the truck travels uphill. The dump truck is officially called the Elektro Dumper, but the German manufacturer, Kuhn Schweitz, made life a lot easier by naming it eDumper for short. The eDumper was modeled on a Komatsu HB 605-7, a massive dump truck: It's 30 feet long, 14 feet wide, and 14 feet tall. Kuhn Schweitz said that making the trip from quarry to cement factory 20 times in one day produces a surplus of 200 kilowatt-hours of energy (or 77 megawatt-hours per year). Your average dump truck, by contrast, uses between 11,000 and 22,000 gallons of diesel fuel each year.
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A Danish bank has launched the worlds first negative interest rate mortgage handing out loans to homeowners where the charge is minus 0.5% a year. Negative interest rates effectively mean that a bank pays a borrower to take money off their hands, so they pay back less than they have been loaned. Jyske Bank, Denmarks third largest, has begun offering borrowers a 10-year deal at -0.5%, while another Danish bank, Nordea, says it will begin offering 20-year fixed-rate deals at 0% and a 30-year mortgage at 0.5%. Under its negative mortgage, Jyske said borrowers will make a monthly repayment as usual but the amount still outstanding will be reduced each month by more than the borrower has paid. The mortgage is possible because Denmark, as well as Sweden and Switzerland, has seen rates in money markets drop to levels that turn banking upside-down. Hegh said Jyske Bank is able to go into money markets and borrow from institutional investors at a negative rate, and is simply passing this on to its customers. In Denmark, interest rates on savings deposited in Jyske ... have already fallen to zero. In reality, the Jyske mortgage borrower in Denmark is likely to end up paying back a little more than they borrowed, as there are still fees and charges to pay to compensate the bank for arranging the deal, even when the nominal rate is negative.
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Wind turbines in Scotland generated 9,831,320 megawatt hours between January and June 2019, WWF Scotland said Monday. The numbers, which were supplied by WeatherEnergy, mean that Scottish wind generated enough electricity to power the equivalent of 4.47 million homes for six months. That is almost double the number of homes in Scotland. “Up and down the country, we are all benefiting from cleaner energy and so is the climate,” Robin Parker, climate and energy policy manager at WWF Scotland, said in a statement Monday. “These figures show harnessing Scotland’s plentiful onshore wind potential can provide clean, green electricity for millions of homes across not only Scotland, but England as well,” Parker added. By 2030, the Scottish government says it wants to produce half of the country’s energy consumption from renewables. It is also targeting an “almost completely” decarbonized energy system by 2050. As a whole, Europe is home to some of the world’s most ambitious wind energy projects. September 2018 saw the official opening of the Walney Extension Offshore Wind Farm in the Irish Sea. With a total capacity of 659 MW, it’s currently the world’s largest operational offshore wind farm and capable of powering nearly 600,000 homes in the U.K..
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Go to your happy place. Take a deep breath and hold it in your mind's eye for a long, joyful moment. My happy place looks and feels ... like a cabin in the woods. Family and friends are there. I have everything I need to be fully connected. The kind of experience I'm describing is something of a national pastime in Norway. They even have a word that snugly wraps all these ideas up: "koselig." You could roughly translate koselig (pronounced "koosh-lee"), as "coziness," but that leaves out crucial components of it, like enjoying the company of others and a connection with nature. There's no direct English translation, but there are regional equivalents such as the Swedish "mys," the Dutch "gezelligheid" and the most well-known of these, the Danish "hygge." Hygge (pronounced "hoo-gah") [is] defined as "a quality of coziness and comfortable conviviality that engenders a feeling of contentment or well-being." It's that well-being part that gives us reason to replicate koselig ... even as the research slowly confirms what those cold, northern happiest countries have known for a long time: Darkness and isolation can be celebrated because they provide the need for their relief. The act of creating our own light and warmth produces peace and contentment. The case for koselig as a health practice seems obvious. You already know how it feels to be cozy, or in nature, or with friends. Social connections give our life purpose, and ... anything that decrease stress ... has numerous mental and physical health benefits.
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A breakthrough can come from the least expected - perhaps like an 81-year-old eccentric from Massachusetts who toiled in isolation with no financial support for more than a decade. His focus? A challenge that has stumped scientists for many years: how to transform inedible plant life into environmentally friendly transportation fuels in a clean and cost-effective way. 25 years ago, [Marshall Medoff] became obsessed with the environment and decided to abandon his business career and become an amateur scientist. "What I thought was, the reason people were failing is they were trying to overcome nature instead of working with it," [said Medoff]. He knew that there's a lot of energy in plant life. It's in the form of sugar molecules that once accessed can be converted into transportation fuel. The key word is "access." This sugar is nearly impossible to extract cheaply and cleanly since it is locked tightly inside the plant's cellulose. What's so tantalizing is that sugar-rich cellulose is the most abundant biological material on earth. Medoff's novel idea [was to use] machines called electron accelerators to break apart nature's chokehold on the valuable sugars inside plant life - or biomass. Machines like these are typically used to strengthen materials. Medoff's invention was to use the accelerator the opposite way - to break biomass apart. This process, Medoff's remarkable invention, releases plant sugars that he's now using to make products he claims will solve some of the world's most intractable problems.
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Twice a week, before the sun comes up, Judge Craig Mitchell runs the mile from his office at the county courthouse to The Midnight Mission, a social services organization centered in Downtown's Skid Row - the notorious area where the city's largest homeless population resides. At the mission, he meets a group of 30 to 40 people, and together they run through East L.A. The group includes runners from all walks of life and all levels of athleticism. Some members are homeless or in recovery, and others are lawyers, social workers, students or off-duty LAPD officers. Mitchell developed the program in 2012 after a man he'd once sentenced to prison returned to thank him. "He was paroled to The Midnight Mission and decided to come back and say, 'Thank you, Judge Mitchell, for treating me like a human being.' "The president of the mission at the time asked me if there was something that I could do to contribute to the mission's program, and I thought of starting a running club. That was the inception," Mitchell said. Between 300 and 500 people have since run with the group, now an official nonprofit. Every year, Mitchell takes his most dedicated Skid Row runners on a free trip to participate in an international marathon. In recent years, Mitchell and club members have participated in marathons in Ghana, Rome, Vietnam and Jerusalem. Mitchell says he's seen participants turn their lives around, attending college, securing full-time employment and maintaining sobriety.
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Exempting battery engines from taxes imposed on diesel and petrol cars has upended Norway’s auto market, elevating brands like Tesla and Nissan, with its Leaf model, while hurting sales of Toyota, Daimler and others. In 2018, Norway’s fully electric car sales rose to a record 31.2 percent market share from 20.8 percent in 2017, far ahead of any other nation, and buyers had to wait as producers struggled to keep up with demand. The sales figures consolidate Norway’s global lead in electric car sales per capita, part of an attempt by Western Europe’s biggest producer of oil and gas to transform to a greener economy. The International Energy Agency (IEA), which includes plug-in hybrids when calculating electric car sales, measured Norway’s share of such cars at 39 percent in 2017, far ahead of second-placed Iceland on 12 percent and Sweden on 6 percent. In China, the market share was 2.2 percent in 2017, and in the United States just 1.2 percent, IEA data show. While the numbers will vary from month to month, half of all cars sold in 2019 in Norway will probably be fully electric, the head of the Norwegian Electric Vehicle Association (NEV) said. “We are pretty sure we are going to reach 50 percent market share in total this year. Maybe even pass it, which is pretty amazing,” NEV Secretary General Christina Bu told Reuters. Cars that rely solely on internal combustion engines with no hybrid electric unit had a market share of only 22.7 percent in March, the lowest on record.
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Traditional Inuit parenting is incredibly nurturing and tender. The culture views scolding - or even speaking to children in an angry voice - as inappropriate, says Lisa Ipeelie, a radio producer and mom who grew up with 12 siblings. "When they're little, it doesn't help to raise your voice," she says. Even if the child hits you or bites you, there's no raising your voice? "No," Ipeelie says with a giggle that seems to emphasize how silly my question is. "With little kids, you often think they're pushing your buttons, but that's not what's going on. They're upset about something, and you have to figure out what it is." Traditionally, the Inuit saw yelling at a small child as demeaning. It's as if the adult is having a tantrum; it's basically stooping to the level of the child. But if you don't scold or talk in an angry tone, how do you discipline? For thousands of years, the Inuit have relied on an ancient tool with an ingenious twist: "We use storytelling to discipline," [parenting teacher Goota] Jaw says. For example, how do you teach kids to stay away from the ocean, where they could easily drown? Instead of yelling, "Don't go near the water!" Jaw says Inuit parents take a pre-emptive approach and tell kids a special story about what's inside the water. "It's the sea monster," Jaw says, with a giant pouch on its back just for little kids. "If a child walks too close to the water, the monster will ... drag you down to the ocean and adopt you out to another family," Jaw says. "Then we don't need to yell at a child," Jaw says, "because she is already getting the message."
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At the end of 2017, U.S. corporations were sitting on a historic amount of cash: $2.1 trillion in total liquid assets ... up over 150% from a decade earlier. What are businesses doing with their new-found wealth? Many are buying back shares or snapping up other companies. And then there is Patagonia. Last month, Patagonia announced that they would donate the $10 million they are saving from a reduced tax obligation to grassroots environmental organizations protecting our natural resources and finding solutions to the climate crisis. “In this season of giving, we are giving away this tax cut to the planet, our only home, which needs it now more than ever,” CEO Rose Marcario wrote in a blog. Patagonia’s donation aligns with their unique activist ethos, but a growing number of corporations are joining them in recognizing that businesses not only can be part of the solution to challenges facing our planet, but that they must be; that their responsibilities extend beyond shareholders, to the environment and the communities they serve. Patagonia’s decision ... is a powerful statement and a demonstration of how to consider all a company’s assets in pursuit of better long-term business outcomes. Investing cash responsibly is not the solution to all of our problems. For starters, there’s a much larger conversation that needs to be had about the inability of companies to invest for long-term value creation. But for companies who are new to using their assets for impact while still achieving their corporate purpose, investing liquid assets is a good way to begin, and do so quickly. Don’t let your cash sit there; put it to work.
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You have to keep your eyes peeled for the bus at the station in Shenzhen’s Futian central business district these days. The diesel behemoths that once signalled their arrival with a piercing hiss, a rattle of engine and a plume of fumes are no more, replaced with the world’s first and largest 100% electric bus fleet. Shenzhen now has 16,000 electric buses in total and is noticeably quieter for it. “We find that the buses are so quiet that people might not hear them coming,” says Joseph Ma, deputy general manager at Shenzhen Bus Group, the largest of the three main bus companies in the city. The benefits from the switch from diesel buses to electric are not confined to less noise pollution: this fast-growing megacity of 12 million... is also expected to achieve an estimated reduction in CO2 emissions of 48% and cuts in pollutants such as nitrogen oxides, non-methane hydrocarbons and particulate matter. Shenzhen Bus Group estimates it has been able to conserve 160,000 tonnes of coal per year and reduce annual CO2 emissions by 440,000 tonnes. Its fuel bill has halved. China’s drive to reduce the choking smog that envelops many of its major cities has propelled a huge investment in electric transport. Although it remains expensive for cities to introduce electric buses – one bus costs around 1.8 million yuan (Ł208,000) – Shenzhen was able to go all-electric thanks to generous subsidies from both central and local government. Typically, more than half of the cost of the bus is subsidised by government,” says Ma.
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www.cbsnews.com/news/bus-driver-buys-homeless-rider-dinner-let-him-stay...
On a recent chilly night in Wisconsin, a Milwaukee bus driver extended an act of kindness to a homeless rider. Natalie Barnes was driving her usual route when a man named Richard ... got on and told her that he had just lost his home. Natalie offered to buy him dinner, but when the proud man refused, she pivoted — offering, instead, a place where Richard could stay safe and warm for the night. "Well, I'm on this bus 'til 2:44," she [said]. "You want to stay with me then?" "OK," he responds. So, for hours, as she drove and picked up passengers throughout the city, Richard sat quietly in the first row. And finally, when it was time for Natalie's break, the two spent some time talking. Then he let the kind bus driver buy him dinner. She also reached out to a community organization that was able to help Richard find temporary housing and supportive services. "The community really needs to help with the homeless people that are outside," Natalie Barnes later said. "There are a lot of people who are looking in garbages for food. They're underdressed. They don't have anywhere to go... They still should have basic necessities, like food and like clothing, just to survive." So, on that chilly night in October, that's what she gave a man in need. And since then, she's given him something even better — a friend. "Richard has become a friend of mine," she said, breaking into a huge smile. "We talk every couple of days. And he thanks me every time he talks to me for helping him. He calls me his little guardian angel."
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Psychologists at the University of Sussex, after analyzing the brain scans of over 1000 people who made kind decisions, are now able to say for sure that the warm glow of kindness is real. In fact, it exists in a particular place within your brain. For the first time, researchers were able to bring together previous studies that suggested generosity activates the brain's reward network. These scientists were able to differentiate between two types of kindness: altruistic (when there is nothing to be gained from being kind) and strategic (when an act of kindness can lead to something gained). The study's findings revealed ... something unique about altruistic acts of kindness. Being kind with no intent of personal gain not only activates the brain's reward areas, it also activates other brain regions (in the subgenal anterior cingulate cortex) as well. This means that when you act kind with no hope of gaining something in return, your brain will activate more and in different ways than when you are strategically kind. Acting strategically kind can even make you feel worse, and diminish your glow. Co-author of the study and PhD student Jo Cutler explains, "...if after a long day helping a friend move house, they hand you a fiver, you could end up feeling undervalued and less likely to help again. A hug and kind words however might spark a warm glow and make you feel appreciated." Ultimately, it does matter what the intent is behind kindness.
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Yoga and meditation have increased in use among both U.S. adults and children in recent years, two new reports from the Centers for Disease Control and Prevention show, with the number of adults who had recently practiced yoga soaring by nearly 60 percent. In 2017, an estimated 35.2 million adults had put themselves in a downward-facing dog, lotus pose or other yoga position in the past 12 months, accounting for a 14.3 percent population share and up from 22.4 million (9.5 percent) in 2012. Women and adults between 18 and 44 were most likely to have recently practiced yoga in 2017. Meanwhile, a separate CDC report showed that the shares of children ages 4 to 17 who had practiced yoga or meditation each increased substantially. In 2012, an estimated 3.1 percent of children had done yoga in the past 12 months, compared with 8.4 percent in 2017. The estimated share of kids who had meditated recently increased nearly tenfold during that time frame, from 0.6 percent to 5.4 percent. "An increase in promoting yoga or promoting meditation in studios, gyms, et cetera, could play a role in ... more people using these approaches," says Tainya Clarke, an epidemiologist with the CDC's National Center for Health Statistics. Outpacing meditation and use of a chiropractor, yoga remained the most commonly used of the three "complementary health approaches" that were assessed. Still, the share who had meditated in the last year more than tripled between 2012 and 2017, from 4.1 percent to 14.2 percent.
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Danone is banking on its expansion into the lucrative healthy eating business to produce sales growth that will beat the French food company's rivals over the coming decade. The world's biggest yoghurt maker told an Investor Seminar in London on Monday that it was relying on its fast-growing food categories such as probiotics, organic food and water to deliver "superior sustainable profitable growth" by 2030. As more consumers opt for healthier diets they are prepared to pay a premium for trying to pursue a more socially responsible lifestyle. Danone - along with rivals such as Nestle - has been seeking to rebuild consumers' trust in big food companies. Last year, for example, Danone bought U.S. organic food producer WhiteWave in a $12.5 billion deal, to boost growth and bring the company closer to current healthier eating trends. Francisco Camacho, executive vice president for Danone's 'Essential Dairy and Plant Based' business told the investor meeting he expected to triple the size of the plant-based business to 5 billion euros ($5.75 billion) by 2025 from 1.7 billion euros in 2018. Danone has been stepping up efforts to attract young consumers with products featuring probiotics, protein and plant-based ingredients, all fast-growing product categories.
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In the world of social enterprise and impact investing, perhaps the most universally accepted guide is the UN’s Sustainable Development Goals [SDG]. Introduced in 2015, the 17 inter-connected goals now form an organizing principle for many entrepreneurs, as well as investors. To monitor and track how successful all that activity is, you ... need consistent benchmarks for measuring and comparing just how all those companies are doing. That’s where the World Benchmarking Alliance comes in. Recently announced at the United Nations General Assembly, it will develop free, publicly available benchmarks which will rank companies on their contributions to achieving the SDGs. With that in hand, everyone from consumers and investors to governments will have a comprehensive tool for deciding where to spend their money. Ultimately, the goal is to clarify what society expects from business. Some examples of factors in various benchmarks: For the SDG category of food and agriculture, they would include whether companies are producing food in an environmentally friendly way and ensuring acceptable livelihoods for farmers. For climate and energy, they would show to what extent companies in high carbon-emitting industries are contributing to the Paris Agreement. The aim is to develop all the benchmarks by 2023 to assess the world’s largest 2,000 companies. The first crop, due to be published in 2020, will address food and agriculture, climate and energy digital inclusion and gender equality and empowerment.
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There were dozens of witnesses when a gunfight broke out on a street corner in Buffalo on Aug. 10, 1991. Torriano Jackson, 17, was killed. Valentino Dixon, then 21, was at the scene. Hours later, he was arrested. And in 1992, he was convicted of murder and sentenced to almost 40 years to life in prison. For years, Mr. Dixon fought that conviction from behind bars, insisting on his innocence. No physical evidence had ever connected him to the murder, and another man had confessed to it more than once. His murder conviction was vacated on Wednesday, and Mr. Dixon, 48, walked free. As he struggled to get his conviction overturned, Mr. Dixon got help from ... Martin Tankleff, who was imprisoned for 17 years after being wrongly convicted of murdering his parents. In prison, [Dixon] liked to draw detailed landscapes in colored pencil. Golf courses were a frequent subject. That caught the interest of journalists at Golf Digest, and the magazine profiled Mr. Dixon. In 2017, a new district attorney, John Flynn, took office in Erie County. And in 2018, a course called the Prison Reform Project was offered for the first time at Georgetown University ... with Mr. Tankleff [serving] as an adjunct professor. Three students chose Mr. Dixon’s case and gathered evidence. Their work helped Donald M. Thompson, a lawyer for Mr. Dixon, make his case to the district attorney’s office. Mr. Flynn, the district attorney, said the newly discovered evidence from various witnesses attesting to Mr. Dixon’s innocence was deemed credible.
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Chinese researchers have taken what they say is a major step forward for the development of a new generation of solar cells. Manufacturers have long used silicon to make solar panels because the material was the most efficient at converting sunlight into electricity. But organic photovoltaics, made from carbon and plastic, promise a cheaper way of generating electricity. This new study shows that organics can now be just as efficient as silicon. Organic photovoltaics (OPV) can be made of compounds that are dissolved in ink so they can be printed on thin rolls of plastic, they can bend or curve around structures or even be incorporated into clothing. Commercial solar photovoltaics usually covert 15-22% of sunlight, with a world record for a silicon cell of 27.3% reached in this summer in the UK. Organics have long lingered at around half this rate. In April researchers were able to reach 15% in tests. Now this new study pushes that beyond 17% with the authors saying that up to 25% is possible. This is important because according to estimates, with a 15% efficiency and a 20 year lifetime, organic solar cells could produce electricity at a cost of less than 7 cents per kilowatt-hour. In 2017, the average cost of electricity in the US was 10.5 cents per kilowatt-hour. Flexible, printed solar cells offer a wide range of possibilities. They can work indoors and they can be made semi-transparent, so they could be incorporated into windows and generate power during daylight.
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In southeast Georgia, in an area filled with farms, construction will soon begin on a sprawling new 120-megawatt solar plant. It will be the first solar facility in the county, and it will exist in part because Google - which has a large data center in Georgia - is working to bring renewable electricity to every region in which it operates. The solar farm is one of two new projects in Georgia that will sell energy to Google via the local utility, and is also the latest example of the company’s work to open energy markets to corporations that want to support new sources of renewable electricity. The company pioneered the practice in 2010; now, companies from Nike to Starbucks and AT&T are doing the same thing. Traditionally, wind farms and solar farms sold wholesale power only to utilities, and regulations made it impossible for companies to buy that clean energy. But the company realized that it could apply to the federal government for the right to buy and sell wholesale power itself, and then create long-term contracts - called power purchase agreements - with the developers of renewable projects. The first project was a wind farm in Iowa. By 2017, with around 20 similar projects, Google met a longstanding goal to buy as much renewable energy as it uses globally, sourced from new wind and solar plants. Ultimately, the company wants to use clean energy everywhere it works, all the time. The next step in that process is to buy renewable energy on every local grid where Google works.
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