On behalf of we primary school, we totally don't accept this kind of invalid

Anyone looking to attract young affluent investors may want to consider socially responsible investments (SRIs).

More than a quarter of investors under the age of 45 have allocated at least 25% of their investments in socially responsible companies, according to a study by Spectrem Group. This compares to more than 45% of all investors older than 45 years old who do not invest in socially responsible companies. Spectrem surveyed 3,070 investors with assets ranging from $100,000 to $25 million.

How Millennials Are Driving It

For almost half (49%) of Millennials with a net worth of more than $1 million, social responsibility is a factor in choosing an investment, according to Spectrem’s research. This compares to 43% of Gen X, 34% of Baby Boomers and 27% of seniors.

For Millennials who are not millionaires, social responsibility was an even higher priority. Fifty-three percent make investment decisions based on social factors, compared to 42% of Gen Xers, 41% of Baby Boomers and 39% of seniors.

Spectrem research has also found that Millennials are the most cynical when it comes to corporations who claim to be socially responsible. Three-fourths of millionaire Millennials (compared to 49% overall) said they believe that socially responsible corporate behavior is nothing more than public relations, according to a separate study Spectrem conducted in 2013.

Millennials show far less concern over issues outside the social responsibility area. While 64% of seniors are concerned over terrorism, just 36% of Millennials share that worry. Eight-four percent of seniors are concerned over the political environment in the U.S., compared to 54% of Millennials.

Who Knows SRIs

Spectrem found that familiarity with SRIs was higher among younger investors. It also found that the wealthier the investor, the more familiar they were with socially responsible investing.

Spectrem asked survey respondents to rate their familiarity with terms related to SRI on a scale ranging from 0 (no familiarity) to 100 (great familiarity). Overall, the familiarity with socially responsible investing clocked in at 46.75. Familiarity with impact investing was much lower at 28.94.

In general, the younger the investor, the more familiarity he or she has with socially responsible investing. Among investors under the age of 36, familiarity with socially responsible investing was at 47.42, and familiarity with impact investing was at 35.76.

Ultra-high net worth investors, or those with a net worth between $5 million and $25 million, reported familiarity with socially responsible investing at 55.11, well above the average. The familiarity among mass affluent investors, or those with a net worth between $100,000 and $1 million, came in at 42.24.

Men reported more familiarity with socially responsible investing than women. Their rating was 49.27 compared to a 42.37 familiarity rating for women. Familiarity with impact investing, meanwhile, was at 31.22 for men compared to just 25.02 for women.

The Bottom Line

Socially responsible investing is a priority for much of the younger affluent generations, Gen Y in particular. Advisors looking to attract this demographic should consider socially responsible investments as one of the ways to do so.

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Mod should have said 'warning graphic photo, I don faint

Marijuana stocks in Canada got a boost today after reports the Liberal Party is set to table a framework for legalizing recreational marijuana.

According to a Canadian Broadcasting Corporation report, Prime Minister Justin Trudeau will announce legislation during the week beginning April 10 that will seek to legalize recreational marijuana by Canada Day — July 1, 2018. (See also: 10 Canadian Marijuana Stocks For Your Portfolio)

CBC News said former Toronto police chief, Bill Blair who has been handling the marijuana file briefed the Liberal caucus over the weekend with the roll-out plans that will include the following:

http://crunchstand..co.id/2017/03/canada-reportedly-to-legalize-pot-by.h

After weeks of rumors, speculation, and leaks, Samsung Electronics will roll out the the make or break Galaxy S8 smartphone. Samsung has a lot riding on the new smartphone after the embarrassing and costly demise of the Galaxy Note 7.

Samsung has a lot riding on the success of the Galaxy S8 after facing a costly and embarrassing blow last year due to dangerous flaws in its Galaxy Note 7. That device was supposed to be a big hit for Samsung, but after the smartphone’s battery starting catching fire, Samsung was forced to launch a massive recall. The replacement phones had the same issue, which resulted in Samsung killing the device altogether. It’s also suffering from a bribery scandal that has resulted in executives including Vice Chairman Jay Y. Lee being arrested. If the Galaxy S8 is able to avoid any missteps, it may be enough to improve its reputation and regain trust among consumers, which is something Samsung badly needs.
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http://crunchstand..co.id/2017/03/samsung-launches-galaxy-s8-today.html?m=1

WhatsApp was founded in 2009 by Brian Acton and Jan Koum as an alternative to pricey SMS services. The app allows users to upload their contact book and message anyone who has the app installed at no cost. It is available for iPhones, Androids, Blackberries, Windows Phones, Nokia (NOK) phones and, most recently, desktops.

Facebook Inc. (FB) purchased WhatsApp in February 2014 for $19 billion, and according to the 2014 Facebook Form 10-Q, in the nine months preceding September 30, 2014, WhatsApp generated revenue of $1,289,000. How is WhatsApp making its money?

One Dollar at a Time and Beyond

The short answer used to be $1 at a time. In some countries, the app used to cost about $1 to download; in others, the first year is free but, each subsequent year costs $1 — in other word, WhatsApp had a subscription model. At the peak under this model it has about 700 million users worldwide, yearly revenue can be estimated at $700 million per year at this time.

In January, 2016 Facebook revealed in a 10-Q filing that because WhatsApp was monetized in "a very limited fashion," it may not be generating meaningful revenue in the long term, hinting that the strategy would change. Shortly after WhatsApp announced in a blog post that the era of subscriptions had come to an end, and the messaging app would now be free to use.

There are still no ads in the app, however. "Starting this year, we will test tools that allow you to use WhatsApp to communicate with businesses and organizations that you want to hear from," the company wrote at the time. The goal is to have people communicate directly with i.e. their banks, airlines etc. over the app, while the businesses picks up the bill previously paid through subscriptions.

Though WhatsApp's financial statements isn't public (Facebook doesn't break down its revenue by company), Forbes estimated total revenue to be $5 billions and the average revenue per user to be $4 by 2020. As of March, 2017 WhatsApp had 1.2 billion users.

Other SMS Apps

Outside of America, where sending text messages is more expensive, SMS apps are popular and have successfully monetized. WeChat – the popular Chinese SMS app has ads as well as online games. The company is partly responsible for Tencent's, which owns WeChat, $6 billion revenue in the third quarter of 2016. The app has over 846 million active users.

Focusing on Growth

WhatsApp is adding around a million users per day, mostly in Latin America, India and Europe. With SMS apps, growth is exponential – when one person in a social group downloads and advocates using the app, many new users download the app in order to communicate with the original person. These new users then encourage other members of their other social groups to use the app.

By increasing market penetration, the app becomes indispensable and the user base grows.



Find more statistics at Statista

Is it Really About the Money Though?

Industry insiders have speculated that part of the rationale behind acquiring WhatsApp was for Facebook to access user’s behavioral data and personal information.

With location sharing data, 42 billion messages sent per day, and access to users' entire contact lists, Facebook has access to a ton of personal information – all uploaded and saved on its servers. While Mark Zuckerberg has previously promised that this data won’t be used to improve consumer targeting in Facebook ads, it will be unless the user changes the settings to not share information with Facebook.

End-to-End Encryption Controversy

WhatsApp, as well as other messaging providers (including Apple), have been in hot water with governments around the world after it was determined that terrorists used apps to communicate before, and during, attacks. Governments and counter terrorism agencies wanted the companies behind these apps to share the encryption key in order to gain access to messages sent and received by the terrorists. The companies, however, refused to oblige. This brought about end to end encryption without whatsapp or anyone to interference
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Despite the benefits of putting some money away, most people take a passing interest in actually doing it. If you'd like to make regular saving a part of your life, read on to find out how to conquer the first step: finding that extra money.

You can begin by paying attention to these top money wasting activities.

Convenience Stores

Many people don't think about the markup they pay for convenience store items. Here's a hint: it's huge. This is because, unlike grocery stores, convenience stores don't purchase food in large quantities, and also because they make you pay more for the convenience they provide. So, unless it's an emergency situation, avoid shopping at convenience stores.

The premium you pay for convenience is not worth the assumed convenience you get. For example, a bottle of Coke at a convenience store might cost you around two dollars, while you can go to Amazon and buy a 12-pack for $16. If you tend to pull over for a drink, buy a 12-pack and keep it in your car. If you visit convenience stores often, the annual savings of cutting out these visits can be tremendous.

Cell Phone Plans

Take the time to check your monthly cell phone bill - you may be paying more than you need to. If you are using fewer minutes than your monthly plan allows, switch to a lower-rate plan. If you are using more minutes than your monthly allotment, then upgrade to a higher minute plan.

Before making any changes to your plan, sit down with a list of your cell phone company's offerings and compare and determine which plan provides the most value based on your needs. You should also scan through your cell phone plan for added features like text messaging and mobile internet. If you aren't really using these features, get rid of them - they're costing you money each month!

Soft Drinks

This one is a sneaky money waster. Not only does ordering beverages along with a restaurant meal boost your total expenses, but soft drinks also have one of the highest markups of any restaurant item, and thus provide lower value for your money.

Consider a typical family of four that eats out twice a week at fast casual restaurants. Assuming an average price of $1.50 for a fountain soft drink, that totals $12 a week, $48 a month, $624 a year. Just cutting out this one item from your meal could mean significant savings that could go into something much more productive, such as a retirement savings plan. If you invest $624 at a 9% rate of return year every year, you would have almost $32,000 at the end of 20 years. So dine out, but opt for water!

Unnecessary Bank Fees

Many people unknowingly pay a lot to their banks in the form of fees. If you don't know what fees your accounts are subject to, spend a few minutes finding out. Some banks charge ATM fees for using another bank's ATM, for example. These can be as high as $3! This amounts to a 15% one-time fee for a $20 withdrawal. The key with this type of fee is simply knowing about it. You would be better off using a credit card to make the purchase.

Go back and examine the rules governing your checking and savings accounts. Also consider consolidating bank accounts, as often one account with a larger minimum can eliminate numerous fees that might otherwise exist.

Magazines

If you're the type of person who likes to occasionally pick up your favorite magazine from the local grocery store or newsstand, consider getting an annual subscription. Even if you don't want the magazine every month, a couple of issues at the newsstand are enough to cover the entire annual subscription.

Annual Credit Card Fees

Unless you have a poor credit history, there is no reason to pay annual credit card fees. A host of Visa, MasterCard and Discover cards have no annual fee, yet many people pay $100 or more a year for the privilege of holding a premium credit card. Unless you're a wealthy, exclusive holder of an elite-level credit card with exclusive perks, most people should not be paying annual credit card fees.
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For the sake of sanity, don't marry Nigerian based girls...
A relationship with a Nigerian babe can be so frustrating to the extent you will iron all your cloths and when you are done you realize that you didn't even plug the iron.
https://mobile.facebook.com/Laugh-it-loud-1799350300387790/

NIGERIAN PARENT
Boy: Daddy, School Request That we Pay 20k For Security Levy.
Daddy: Tell Your Headmaster That you are Covered With The Blood of jesus...Lol
Visit my Facebook page laugh it loud for more jokes

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Steps by steps in boosting up your self confidence
http://kmaxenews..com.ng/2017/02/building-up-your-self-confidence.html?m

Following the announcement by the Joint Admission and Matriculation Board (JAMB) that the 2017 UTME registration will commence in two weeks time, the board has gone ahead to disclose some registration tips
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http://kmaxenews..com.ng/2017/02/jamb-gives-guidelines-for.html?m=1

HAVE YOU HEARD OF PAYOONER MASTERCARD??
Whether you are a business owner, professional or freelancer, Payoneer mastercard offers you multiple ways to get paid by your international clients and global marketplaces – quickly, securely and at low cost.

The Payoneer platform is easy and managing payments is very quick, so I don’t need to spend much time on it, and can concentrate on developing my business instead.
So you can get a free Payooner MasterCard,by registering through the below link and filling the required field,input your billing adress

https://share.payoneer.com/nav/FQh4l5dBMqTgg_mzFXbeGskL00WJI1NKv_TlsU1LXLA3b4S-U

HAVE YOU HEARD OF PAYOONER MASTERCARD??
Whether you are a business owner, professional or freelancer, Payoneer mastercard offers you multiple ways to get paid by your international clients and global marketplaces – quickly, securely and at low cost.

The Payoneer platform is easy and managing payments is very quick, so I don’t need to spend much time on it, and can concentrate on developing my business instead.
So you can get a free Payooner MasterCard,by registering through the below link and filling the required field,input your billing adress

https://share.payoneer.com/nav/FQh4l5dBMqTgg_mzFXbeGskL00WJI1NKv_TlsU1LXLA3b4S-U

It's Igbo language is the second largest language

Wow,I'll go there for vacation

Ashow boy coming through
Ish

feel like breaking the rules since........

laughing in Swahili, puff

clueless and dumbness administration ever recorded