Day: August 26, 2020

How Memes Drive Narrative and Value

tweeted about the latest decentralized financial application to set crypto atwitter. ” data-reactid=”19″“YAMs = Ponzinomics of AMPL + Chad launch of YFI + Meme math of Tendies,” Messari analyst Ryan Watkins tweeted about the latest decentralized financial application to set crypto atwitter. 

It’s the type of back of the napkin logic that looks like gibberish on its face, but has an internal cohesion that makes sense to insiders. Yams, chads and tendies. 

Anil Lulla, COO of Delphi Digital said over email. “Memes are an easy way to get a narrative around and perhaps the quickest way to get eyeballs.”” data-reactid=”21″“In this market, where there are so many different projects already fighting for attention and new ones launching everyday, it is important for projects to try and get people motivated to spend their time learning about THEIR project,” Anil Lulla, COO of Delphi Digital said over email. “Memes are … Read More

10 Mom-Approved Ways to Make Back-to-School Meal Prep a Breeze

It’s that time of year again. Kids are back in school (or schooling from home), and they’re not the only ones with jitters. Parents around the country are trying to figure out how to navigate this unprecedented school year. With kids home more than ever, it can be tough to create a balanced schedule—especially in the kitchen. Thankfully, our own Nicole McLaughlin has some tried-and-true back-to-school meal prep hacks to help ease the transition:

1. Schedule Meals Before the Week Starts

Two words: Plan ahead! When you follow a (flexible) meal schedule, you don’t have to worry about scrambling for ideas at the last minute. Scheduling also saves you money in the long run, as it’ll limit impulse buying at the grocery store. You can create your own simple calendar like Nicole does, or you can purchase a cheap printable template online—this one from Etsy is super organized and it

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Union Beach Man, 20 Others Caught In Statewide Child Porn Bust

UNION BEACH, NJ – 21 people from New Jersey, including one man from Union Beach, were busted in an undercover operation that targeted possible offenders who used the coronavirus lockdown as an opportunity to prey on children, according to the Office of Attorney General.

Michael Gilpin, 42, of Union Beach, was arrested in the operation. Gilpin was arrested on July 26 for possession of child pornography (3rd degree).

Dubbed “Operation Screen Capture”, the sting resulted in the arrest of 20 men and one woman from a total of 10 counties: Bergen, Burlington, Camden, Essex, Gloucester, Mercer, Monmouth, Middlesex, Ocean and Sussex.

The coronavirus pandemic, which shut down schools and led to adolescents spending an increased amount of time on laptops, phones and gaming consoles, led to a marked increase in online predators sexually preying on youths, Attorney General Gurbir Grewal said.

In fact, per Grewal, the hotline run by the

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Mortgage rates plunge after refinance fee is put on hold

Mortgage rates have plummeted after a federal agency announced it would postpone a fee on refinance loans that was sprung on lenders a couple of weeks ago.

The coronavirus “adverse market” fee will now take effect Dec. 1, instead of Sept. 1 — and the relief for borrowers has been immediate. Average 30-year rates have sunk to their lowest level since before the new surcharge first became news.

grab a low refinance rate likely have just a few weeks until the fee starts having an effect again.” data-reactid=”34″But one industry expert warns that homeowners who want to grab a low refinance rate likely have just a few weeks until the fee starts having an effect again.

A fee that caused a furor

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Lenders had been raising rates to start compensating for the new surcharge, but it appears they’ve quickly undone

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Time to Buy a Home? You Need a Strategy

(Bloomberg Opinion) — With 30-year fixed U.S. mortgage rates dropping to below 3% last week, many have decided it’s a good time to buy a house. Existing home sales rose by the most on record in July, while new homes sales jumped to the highest level in almost 14 years.

If you’re now considering buying a home, you need a carefully planned strategy.

The very first step should be to draw up a plan around when you would like to buy, in what location and at what price range. As simplistic as this may sound, not knowing these three things can keep you from saving, or not saving enough, and delay your ability to buy.  

Know how much to save. Financial advisors generally recommend saving for 20% or more of a house purchase price as a down payment. The larger your down payment, the smaller the loan you’ll have to

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A Week As A Student In Texas On A $7,000 Income

Money Diaries — College Edition where we are tackling the ever-present taboo that is money. We’re asking real people how they spend their hard-earned money during a seven-day period — and we’re tracking every last dollar.” data-reactid=”12″Welcome to Money Diaries — College Edition where we are tackling the ever-present taboo that is money. We’re asking real people how they spend their hard-earned money during a seven-day period — and we’re tracking every last dollar.

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Kanye West sued for allegedly ‘ripping off’ Black-owned firm for his Sunday Service, Yeezy online biz

Kanye West put a Black-owned tech firm through hell when he struck an oral deal to build his Sunday Service and Yeezy e-commerce platforms then “reneged” without payment, a new lawsuit claims.

The new lawsuit from MyChannel Inc. is seeking more than $20 million in damages, claiming West made “lavish” promises during the 2018 joint venture as he drained the company of resources and acquired its proprietary technology and trade secrets.

The music and fashion mogul insisted that the founders move to be close to him, worked them around the clock for six months and then ultimately violated their May 2018 nondisclosure agreement, cut ties and launched a “copycat” version of their technology, the filing claims.

“After Kanye learned all that he could from MYC and its founders, he abruptly attempted to terminate the parties’ oral partnership, refused to invest in MYC or even reimburse it for the millions the

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Is the Netflix Moat Eroding?

GuruFocus reader Steve Shea recently asked an excellent question: “Is the Netflix moat starting to fade?”

There’s no doubt Netflix Inc. (NASDAQ:NFLX) no longer has the video-on-demand business mostly to itself. Many competitors have emerged in the past few years: Amazon’s Prime (NASDAQ:AMZN), Disney (NYSE:DIS) and Hulu, to name just a few.

Still, we must remember that Netflix was the prime mover in streaming and became the name associated with streaming services, just as Kleenex became associated with paper tissues.

Personally, I switched from Netflix to Prime several months ago, after being a Netflix subscriber for many years. Despite the many thousands of titles on the service and the new ones emerging each week, it was hard to find shows I wanted to watch.

Having made the switch, I found titles I wanted on Prime, although it has a much smaller library. And there is a

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The Mental Health Trauma of the Black Maternal Mortality Crisis

Inequality is rampant throughout the health care system: Women of color are more likely to die of breast cancer, heart disease, and COVID-19, and more likely to report chronic, severe anxiety. There are many reasons—gaps in biomedical research, deliberate discrimination and racism, lack of resources, lack of empathy—all of which come to a head when a Black woman gets pregnant. Black women in the United States are three to five times more likely to die from pregnancy or postpartum issues than white women, a maternal mortality crisis that cannot be ignored. In Glamour’s Black Maternal Health series, we’re sharing these stories—and solutions.

Freedom Smith was scared to scream during childbirth. She was a 21-year-old single mother-to-be with no insurance, no family support, and no stable prenatal care, and the words of the staff in the maternity ward had weighed heavily on her mind. “I had a

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4 tricks to help you save money and stop impulse buying

Shopping can feel really good; sometimes so good that you can’t stop. Dealing with big changes to our finances, like pay cuts or job loss, can also mean that we have to cut back on impulse buys to compensate.

There can be a lot of emotions wrapped up in how we spend money. “Sometimes why we feel anxious is how we’re going to solve (a problem), we think, ‘If I just had x, y, or z, I would feel much calmer,’” says Amanda Clayman, financial therapist and Prudential’s Financial Wellness Advocate.

For more like this, follow TMRW on Instagram at @tmrwxtoday.

She says that impulse buying is completely normal, but doesn’t always scratch the emotional itch for us. “We sometimes have a guilt hangover where buying the thing didn’t solve the problem,” she says, even if the amount of money spent isn’t a huge issue.

If you’re feeling swipe happy,

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