#i was consistently in the top of my class in primary. and we dont have a competitive attitude/system like the usa
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lucysweatslove · 1 year ago
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Incoming med-Ed rant:
Okay to preface, I generally like my classmates. I think we are all trying and I know that racism is really hard to combat and some of the more “casual” or implicit biases are trickier to even see in yourself. The student I’ll be calling out is usually a very kind and supportive person to all races and I think she legitimately didn’t realize this was kinda racist.
My class does well on exams compared to other cohorts. We are usually the top of all 6 campuses and about 4-5% higher than the school-wide average. This only comes out (typically) to 2 questions more than the average. This isn’t great discriminatory power- but it’s a trend.
I’m all for celebrating success, but today it got to the point where it felt more like pushing down the other cohorts/campuses rather than recognizing the factors that help us succeed. One thing I feel strongly: my success ideally should never come at the expense of another’s. There are times where success is based on comparison, but I want to see us ALL reach goals and do our best and learn etc etc. It is one reason I hate applications (eg the process of applying) so much- I don’t see myself as any more (OR LESS) worthy than anybody else.
Anyway my class was talking about how well we do in comparison and why other cohorts don’t match us? And so I reminded them of two things: one, my cohort studies a lot and it’s p/f so other cohorts may have different priorities, and two, we have ESL students. I know one in in a large city campus, pretty sure another is in another smaller campus, but I don’t know them all nor do I expect to. I just know they’re there.
Anyway after I mentioned ESL students, somebody then said “maybe in the larger campuses but not like, [smaller campuses].”
So ofc I said no, actually, I think there is an ESL student in [smaller campus].
Here is why I’m so annoyed by this: the implication when you don’t know the other campuses is that a smaller more rural campus couldn’t have an ESL student. 10% of the population in the area this campus serves is Spanish-speaking, idk what percent of that is Spanish primary but it’s a good amount that speaks Spanish. It just seems a little racist to assume that these people wouldn’t be going to our med school at all.
I get not knowing and expecting, given demographics, that it’s more likely to have ESL students in the “big city” cohorts. But don’t assume. “Do you know if there are ESL students in the smaller cohorts?” Is a more appropriate way of asking. Because it an ask, not an assumption. I joke that my assumptions are “usually correct,” but that’s because I DONT MAKE THEM. Statistics may tell us who is more or less likely to have a given characteristic, but it doesn’t tell us anything definitive about any single person or even sample. You can make a hypothesis, but the key to a hypothesis is that you stay entirely open to other ideas if the evidence fits.
Honestly, it’s more than just the language assumption made here, too. It’s the association of the marginally higher test scores with intrinsic factors and this kinda refusal to acknowledge that it doesn’t make us somehow “better.” The point of p/f is to give us room to make mistakes and use mistakes as learning tools, reduce the stress of comparison, reduce the stress of medical school in general… and to remind us that’s it’s okay to not be perfect right now. But my cohort‘s success so far- which I love for them in principle- seems to be inflating their ego.
I’d also like to say: I like that we are thinking about WHY we do better, and I think that even if it’s a marginal “better,” it’s a good idea for faculty who design curriculum to ask, is there a reason for this? Because if there is and it’s actionable, we could implement it on other campuses. Eg, if the adjusted slides our block lead makes really are more effective, then the entire school should get them. If we consistently, even if subtly, outperform with certain subjects, maybe our lecturer who gives those talks could record their lecture and that could be the basis for others, or the main points and pedagogy could help us teach our faculty to better teach. If it’s just something like we study more, meh, that’s also doesn’t matter. But I HIGHLY doubt our class is just blanketly like, more intelligent. 🙃
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boogiepilgrim · 4 years ago
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List 5 things that make you happy, then put this in the ask box of the last 10 people who reblogged something from you. Spread some happiness in the world 😊 💕💕
to be honest when u first sent me this i couldnt find much of a will to do it because today has been really shitty and im still pissed but oh well what can u do. so now im going to take this as an opportunity to ramble about some of the things that i love. also thanks for your kindness
may we begin with elton john. consistent source of happiness. inspiration. comfort. his music never fails 2 make me feel something. whether thats better, or sometimes you like to get a little bit melancholy with him because sad songs really do.. say so much. and either way, it's good. but also just him as a person; his words, knowing hes out there and doing his thing, it makes me really . content? i dont know. i love him. and as axl rose once so eloquently said the knowledge of things he (elton) has been thru has and will always help myself get thru things each and every day, too. like i could be crying and wanting to drop dead but stick on a tune of his and i WILL nod my head & sing along. i finally had enough money of my own to buy tickets to see him in 2018, was meant to be seeing him in november of this year, but i doubt itll be happening. which is understandable but it's still... depressing. gotta hold out hope tho. listening to all that im allowed by him n may i just add, again, his music is insanely good. his voice too goddd. relatable. MOVING. underrated, honestly. because a lot of people tend to see him as like a gimmick almost these days: like lol he wear de funnie glasses. cwockodile wock. rather than ..... the amazing evergreen talent that he is. anyway. im thankful for him
second: music in general + other artists i admire most in music ? all of my faves have different powers lol and effects on me? like . you know theres a certain mood that only elton john can be a counterpart to. theres certain feelings where all i wanna hear is michael jackson, another for guns n roses, another for t rex, or queen. you know? and each of them evoke like such core, nostalgic associations and feelings. but i also love listening to new music (not necessarily NEW all the time, but just new to me) it's cosy. i love songs and how they make you feel. i love music's power. another reason i vibe with elton so much, cause he Gets that feeling and i love that
third: learning new things. i love watching documentaries/videos on things i havent got a huge interest in just so i can know about it. and i love seeing other people's perspectives. i love hearing people ramble about stuff theyre passionate about or love. i love watching content about stuff i DO love just so i can know more.
four: on a similar note. people? i love that we're all the same and we're all just trying to figure it out. nobody knows what the hell we're doing here, not really. and i love that. it's kinda daunting on one hand but it also gives me the same feeling of when u were on a class trip in primary school and you felt like a little family. i love that we are genuinely all little weird self-aware apes that have so much empathy and we're like . living and feelin and existing and being. think about that a lot
five: i loved the sense of community that i used 2 feel on here. i first came to tumblr as a classic rock/primarily axl rose blog back in ye olde times of 2013 or so. lol. still rock out to them, still one of my all time fave, go-to bands but anyway.. and it was so much fun. i dont talk really on my main blog and any time i do these days all my old mutuals r like non-existent or dont vibe with the same things anymore and thats fine but it makes it so like. it's not the same. which is why i made this blog to dump all my super-permanently-hyperfixed / i have a crush on elton john im so sorry ass shit on so i wont be annoying. but like. on top of that a lot of you guys are very sweet and it kinda feels like it did when i was 15 in this part of tumblr and i luv that truly, so i tend to also gravitate here when im lookin that
,🧡🧡
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karenplate8-blog · 4 years ago
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Provide ao dai dance group COMPANY BLUE GLOBAL
Spanish, the stating goes, would be the loving tongue, but French, significantly, would be the language the whole world dances to. Its not the French of Maurice Chevalier or Edith Piaf; its Creole-ized French from places in which colonizers and emigrants ran into the African diaspora - from the Caribbean, in Africa and around the Louisiana bayou. It is the language for the dance tunes popping out of Paris studios along with for that homegrown, accordion-driven get together audio of Gulf Coastline dancehalls, and though the dialects alter from nation to region, the exhortation Allons dansez! is usually a common imperative.
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This weekend, New Yorkers can dance to three from the worlds finest Afro-French bands. Les Quatre Etoiles, an alliance of four top rated Zairian musicians now based in Paris, are going to be at Kilimanjaro tonight; Tabou Combo, the major Haitian band (although its now based in Brooklyn), will return to S.O.B.s tomorrow, and Nathan plus the Zydeco Cha-Chas, from Lafayette, La., is going to be at Tramps tonight and tomorrow. Quatre Etoiles Les Quatre Etoiles Participate in soukous -rumba rhythms carried back to Africa, lightened up, and topped with cascading, intertwining, dizzyingly infectious guitar lines and sweetly harmonized vocals, usually in Lingala (a pan-tribal Zairian language) or French. Its 4 co-leaders experienced good individual reputations each time a document producer persuaded them to band together in Paris in 1983. Nyboma, a singer, were primary his very own band due to the fact 1973, and had collaborated with Yet another primary Zairian band leader, Sam Mangwana; Syran Mbenza played guide guitar on Mr. Mangwanas Maria Tebbo, a pan-African hit, and worked consistently for a studio musician. Wuta May perhaps experienced sung and composed tracks for eight years with Franco and O.K. Jazz, one of Zaires most critical and very long-working bands. And Bopol, who plays bass with Les Quatre Etoiles onstage, worked with Francos major rival, Tabu Ley and Orchestre Afrisa, then proven himself like a guitarist and bassist from the Paris studios. The band also provides a drummer from Guyana, Ti Paul, and two Zairian singers, Passy Jo and Jean Papi. Nyboma, the bands principal songwriter, said he knew he wished to sing from his early childhood. When Franco or Tabu Ley was actively playing, I'd do something just to hear them, he reported in French as a result of an interpreter. I'd personally stand outdoors the celebration, or climb trees, in an effort to see them. When he was 11 a long time previous, he commenced singing in the Roman Catholic Church mainly because I knew it was a fantastic destination to establish my voice. And by the point he was sixteen, twenty years in the past, he was discovered by Verckys, a major Zairian history producer, who manufactured hit just after hit soon after hit right up until nowadays, he claimed. Whilst soukous utilizes electrical guitars and lure drums, it has robust regular undercurrents. The fundamental rhythm, Nyboma stated, is named zebola, and it is actually employed by regular spiritualists in therapeutic ceremonies. If they have to Forged out evil spirits, he mentioned, the spiritualist or the head of the city wears a red outfit masking his whole body and performs particular dances, Which rhythm is in tune with zebola. The Zairian guitar style, whose rounded arpeggios at the moment are well known across West Africa and while in the Caribbean, also has regular roots. For most elements of Africa, Mr. Mbenza claimed, the motivating power in the communitys track and dance is definitely the drums. But in Zaire, it's got Traditionally been one sort or A further with the kalimba, a thumb piano that plinks out melodic designs that could be transferred to electric guitar. In Senegal, he continued, you can have an orchestra of drums of various dimensions. As well as in Zaire, you've got guide, rhythm and bass guitar. Whilst Les Quatre Etoiles will take precedence, its members explained, their personal careers proceed. Mr. Mbenza has been Energetic in Paris studios, lately dealing with Kassav, whose associates are from Guadeloupe and Martinique, and whose zouk, One more dance audio with Creole lyrics, has affinities with soukous. Once i do the job with Kassav, he mentioned, the inspiration might be zouk. But Each time the guitar comes in, it will be soukous. In Paris, everybody is seeking that soukous guitar line. The band will be to Engage in tonight at eleven:30 at Kilimanjaro, 531 West 19th Road (627-2333); admission is $15. Tabou Combo Tabou Combos new music, the compas direct, is a New Globe analogue of soukous - an insinuating midtempo lilt, with its own circular guitar traces. And due to the fact 1968, when Tabou Combo took its title, the team has long been carrying compas to the earth, maintaining the bounce of compas whilst borrowing Suggestions from around. In 1969, when Tabou Combo designed its standing by winning a national band contest, its edge arrived from The point that it drew on bossa novas and Wes Mongomerys jazz; these days, as Caribbean songs cross-pollinates, Tabou Combo dips into funk, merengue, even rap. The band doesnt Perform for Haitian people only, said Roger M. Eugene, a singer. We will play for virtually any nation. Now, we have tracks in French, English, Spanish, Creole and Lingala. Whenever you listen to the music for the first time, it's like youve never ever tasted sugar - and when you do, you cant Reside with out it. Tabou Combo began out being an eight-piece mini-jazz band; mini-jazz distinguished lesser teams, which used guitars, from older Haitian massive bands with horns. During the mid-seventies, if the band was listening to Earth, Wind and Fire, it decided to insert a four-piece horn area. We needed the American flavor, Mr. Eugene stated. Lately, a synthesizer has taken above some guitar lines. But even now, the music revolves throughout the compas defeat. Tabou Combo has just summed up its job having a Are living album, Reside au Zenith, on the band taking part in its hits for nine,000 individuals in Paris, lots of them stretching to dance-floor duration. (Its available by Mini Documents, Box 432, Baldwin, N.Y., 11510.) The band writes its new music as a cooperative. No one inside the band can say, Im the a person who built that tune, Mr. Eugene mentioned. We often give the credit history into the one particular who delivers the melody of the main a few traces, but then All people needs to carry anything to it, and in Haitian new music what can make the track is the middle - thats the place everybody memorizes the song. It is vital to us to work togther. Tabou Combo is to accomplish tomorrow at 10:thirty P.M. and 1 A.M. at S.O.B.s, 204 Varick Avenue (243-4940); admission is $17. Zydeco Cha-Chas Zydeco is really an all-American hybrid - waltzes and two-ways introduced to Louisiana by Celtic Acadians (who became Cajuns), additionally blues, rhythm-and-blues and whatsoever else Appears excellent to the dance ground. The new music rides around the wheeze of an accordion, the clatter of the frottoir or rubboard (a corrugated metallic vest, played which has a pair of spoons), and bluesy, resilient singing. Nathan Williams, who leads the Zydeco Cha-Chas, signifies zydecos younger technology - hes 26 a long time outdated, from the bayou city of St. Martinville, La. When I very first started out participating in, my wife didnt like it, he explained. She explained I had been far too youthful for zydeco. Now, she likes it. As a toddler, Mr. Williams accustomed to loaf around outdoors dances the place Clifton Chenier, the late king of zydeco, was undertaking; ultimately, Mr. Williamss older brother Sidney acquired him an accordion of his possess from An additional zydeco stalwart, Buckwheat, who also gave him classes. Whilst Doing work at his brothers advantage store, Sids A single-Quit in Lafayette, La., Nathan would vanish into your again room with his accordion, all day long lengthy, until eventually my brother said, Youre gonna make me split that accordion. But it had been an idle menace. Finally, Sidney Williams begun a club, El-Sid-Os, and installed his brothers band there on Friday evenings. We played for nothing every Friday evening right until the gang crafted up, Nathan Williams stated. Cung cấp nhóm múa Flamenco -Chas Engage in a crisp, modernized zydeco, with hints of rock and Jamaican ska rhythms, but Mr. Williams can be more likely to pump out aged-fashioned zydeco-and-rubboard duets. And he keeps an eye within the dance floor. You dont have as much Vitality if individuals arent dancing, he explained. When theyre dancing, they give you far more rhythm, and they cause you to funk it up. Nathan and also the Zydeco Cha-Chas are accomplishing tonight and tomorrow at eight:thirty and 11 P.M. and twelve:30 A.M. at Tramps, 45 West twenty first Avenue (727-7788). Admission is $twelve.
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ihatecispeople · 5 years ago
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How do you manage to write two essays in two days??!!
1) make a primary essay plan. you NEED to know what you’ll write about before you even look at the literature, so if you need to go over class notes or read an introductionary textbook piece you do that. this includes spending time finding alternative keywords you can later search from (is a term not standardised? do different schools of thought use different terms for the same phenomena? find them!)
2) spend 1-2 weeks before your 2 days of essay writing reading books and essays, but importantly, ONLY on topics and points you’ve planned for in your essay plan. you should skim book chapters and even journal articles until you find the key terms you looked up before, and only then do you start reading in depth. make sure you take notes (i tend to stick to direct quotes) with FULL REFERENCE at the top. i do it in bulletpoint style with the full reference at the top and then at the end of the quote put (author date:page) because we will be copy-pasting the quotes into our essay plan later and we dont want to mix the sources up
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(i dont clean up my references until the essay is completely done. idk why its jhust how i do it. thats why this isnt in a specific reference style yet, just making sure i have all the info i need)
3) go back to your essay plan and copy paste from the 10-odd most important sources you have (but read and make notes on far more, and make judgements on what truly is relevant to your essay), making sure to start laying out key arguments as you do. i will often copy a direct quote from a source and, if i understand it without explanation, i will just write my own thoughts underneath. i sometimes colour-code the sources too to make sure i’m not consistently just quoting one author or one piece or work. the essay plan should have a total word count of about 60% of your finished essay’s word count
4) sit with another document open and just rewrite the thoughts and arguments you’ve already put the hard brain planning power through into a coherent form. make sure you don’t copy your sources directly, but draw on them to write your original arguments. the benefit of having the quote right there means that if you feel like you want to include direct quotes to strengthen your argument, you don’t need to go back into your 15+ page document of notes to find it. it’s right there! this takes a few hours with minimal brain power and minimal stress
5) because the first draft is still bad (but not nearly as bad as if you had not done such an extended essay plan) rewrite it once more the day after in yet another document to make sure you sound smarter than you are. this takes even shorter than the first writing, and only requires about the same amount of brain power.
6) done and it only took “2″ days 
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soicautoastervision · 5 years ago
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Just how to Swiftly Figure Out How To Enjoy the Acoustic Guitar Yourself
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tahere-ravenwick · 5 years ago
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My worst teacher ever!
Okay so I've had so many fucked up teachers (-_-) I lived in a rural area, so far off the beaten track, that if someone screwed up badly(but not enough to be fired) they got sent there, so we had a lot of jilted and surly twats, we also had a lot of teachers new fresh out of university and a few close to retiring or with disabilities but still wanting to teach, those ones were generally nice and pretty cool. Generally the rules were a bit more lax for the teachers since they had already messed up but were being given a second chance, and that lead to some great(but strict) teachers, since they were there as a punishment and they wanted to get out of there and back into their old jobs asap,(we had a lot of teacher turnover) but there was also a lot of shenanigans; teachers busted by students having sex in classrooms, teachers thieving, taking drugs, openly perving on highschool girls, etc...
But despite all of that in my whole school career(primary and secondary) there was only One instance where a teacher at our school actually got fired although they called it "Permanent Leave"... we did have a couple who had mental breakdowns and quit.. but thats different...
Anyway it was in my 10th year of school, he was an English teacher and he was one of those older middle age crisis types (cheesy gangsta wannabe, band t-shirts, shorts hanging low, baseball cap backwards, cheap rapper bling and he was obsessed with ponchos). He tried so hard to seem cool and hip.. but he was just so creepy.
And he barely lasted a year.
He was openly bias and judgemental in class, favoring the academically inclined/more wealthy kids and snubbing the kids who weren't at the top of the class/less wealthy(going so far as to kick them out of class. Then he'd do a complete 180 outside of class and try to be all best friends buddy buddy with everyone like he thought he was the most favourite teacher in the school. He really wasn't. (¤_¤)
I was one of his favorites (unfortunately..) I think its because I had a lot of smart/wealthier friends and he though I was really "smart". I was on the higher end of poor and yes I was kinda smart but I hung out and got along with a lot of people, it was a really small town and everyone knew each other since preschool so we all got along for the most part and we all hung out often.
I was also one of those quiet artsy types, I doodled in my note books to help remember the content of the lesson.. He latched onto that like a maggot on rancid meat. He would go through my school bag pulling out my art books and rummaging through my stuff! And would give me Word Art to colour in and draw on as homework! Hell I remember one incident where I threw my phone at him to get my art books off of him.. that he had grabbed from my bag during someone else's class!(we left them in a seperate area to the classroom)
Who the fuck does that!?
I had to get a fucking padlock for my school bag!
And the really sad(annoying) thing is, I actually enjoyed English class before he showed his nasty face. That year we were meant to be studying Shakespeare and Chaucer and all of the old English books which I've been reading since I was little and it was my year to shine! But he made me feel like a fucking toddler with his "colour in the pretty picture" (○u○)
That his classes generally consisted of watching movies/music videos and slacking off(not so great since we had really big important tests at the end of the year that decided our futures...) and him having hissyfits if anyone objected.. I spent half the time skipping his class and hiding out in the library.
Really didn't help that he had a real short fuse, trowing tantrums and screaming at anyone who questioned him..
I remember one big incident towards the end of year, I dont know what caused it since I wasn't part of the class, but I saw the ass end of it as I was walking past on my way to the library. He was having a massive tantrum screaming his head off, purple faced and throwing anything he could get his hands on. Including a chair that hit one of my bffs and knocking her down in the middle of class, seeing this I knock on the door, giving the excuse that bffs mum wanted her and was waiting at the main office(our parents were really close so one of us delivering messages like that was normal) I got her out of there and took her to the nurses office because the chair had cut her arm and reported what was happening to the main office(he didn't get the sack for that, but it definitely added fuel to the fire) when bffs mum was called in to pick up bff she stormed right over to the fucktard and tore him a new one(shes short but holy crap she's fucking scary) he steered clear of bff and her family(me included as extended family) after that.
So many kids were reporting him and trying to get him gone, but things really came to a head at the end of the year after the results for the HSC* came back. Thanks to Him everyone in his class failed the HSC, including graduate aged students who needed the HSC to get into university. Since about 2/3rd of the school failed the HSC the Board of Education sent someone to investigate what had happened.
It was a really big deal, kids were called in to be interviewed (those in his classes and some outside for confirmation) All of us were given an intensive 2 week course by another teacher and a second chance to sit our HSC (a very big deal! board of education never allows do-overs!), but in the end many of us barely scraped a pass and its affected our chances of getting into university and future career paths. Several in my year dropped out and others moved schools.
Thankfully it was the final nail in his coffin and he was gone for good, I moved after that year(for unrelated reasons) so I dont know how things went in the next years aftermath, but I hope the kids in the years to come never have to deal with something like that happening to them!
*Quick explanation of what the HSC is...HSC stands for High School Certificate. In the last 3 years of high school students take 3 HSC tests(that we call the HSCs) to prove we are ready to move onto the next year of study. There are 3 tests in the HSCs the students must pass to achieve the minimum standard and recieve our HSC– reading, writing and numeracy.
Each years HSC qualifies students for new opportunities:
Recieving the Year10 high school certificate means that you can go onto years 11 and 12 or drop out and go to TAFE(aka community college).
Recieving 11 & 12 qualifies for University entry although the qualifying courses change depending on how high you score in those tests.
So years 10, 11 and 12 are really full of studying and prep for those tests because they are so important to our futures.
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the-scottish-costume-guy · 6 years ago
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My Trans Story
Story of my social and medical transition under the cut, I know its not trans day of visibility anymore but consider this a belated contribution. I hope it helps anyone who’s questioning, or even anyone whos curious about the experience. This is very long and has some mention of dysphoria, abuse, bullying but also has a happy ending so thats your warning:
The earliest I remember giving any indication of being trans was at five or six years old on my way to primary school with my mother (who I will mention was a fairly good mother at the time - this will be relevant later). I turned to her in my little green and white uniform dress and said “I’m a boy, aren’t I mum?” I’m not sure what prompted the question really curiosity maybe but my mother laughed it off - something I dont blame her for, kids say silly things all the time. I wouldn’t say I was a super boyish kid. Yeah I liked a bit of rough and tumble play, I was into pokemon cards, then yu-gi-oh, beyblades - which were all considered “boy” things when I was at school. I liked to play british bulldog and tag, and as I got older I’d get into Warhammer, Dungeons and Dragons, The elder scrolls and other nerdy things which are seen as more unisex now but again in the time were considered “boy” interests. But I liked having long blond hair, and I was curious about make-up. I liked to bake and sew and weave, and as a child I even enjoyed knitting. I cried easily and got hurt often - I was accused of attention seeking through most of my childhood though even looking at myself critically I can only ever remember wanting validation. When I was hurt, when I’d achieved something I was proud of - my motivations were called into question when I sought out help or interest. I remember being heartbroken when art I’d worked on was dismissed or I was told the bad bruise I’d gotten was nothing to be upset over and to stop seeking attention. It set me on a path of questioning everything I did and why I did it.
Unfortunately I have a lot of memory gaps in the lead up to high school and through much of school.
Fairly early on in school though I came out as bisexual. Honestly I think a part of me was threatened by cis guys masculinity and that drove me to women. I had a fairly even number of girlfriends and boyfriends. One relationship the boy I was with implied being ready to try sex and we ended up breaking up not long after when I distanced myself. I didn’t know how to explain the discomfort with my own body that I didnt even understand. How I didn’t want to be touched in certain places or do certain things. I felt like a freak.
It didn’t help that I was already bullied pretty much from the get go in highschool, from age 11 I did have many friends and there were periods where I had none. I was bullied for my hair, for not having friends, for being gay, for being depressed. Hell sometimes I was bullied for being bullied - high school is weird. 
I was also... “bullied” by a “friend” who would hit me, talk down to me, at times wouldn’t let me sit on furniture. Once she choked me to the point of passing out among other things. Somehow I was still convinced she must like me on some level - why else would she hang out with me? I wish I’d known better. She introduced me to the concept of being transgender but not in a way I identified with. She told me about a documentary of “Boy becoming girls and girls becoming boys.” she told me “The girls that become boys are always still pretty, you can tell they were girls. But the boys that become girls, you cant tell they were boys they just look like ugly girls.” I imagine shes less ignorant now but its stuck with me.
Eventually around age 16 Two trans people spoke at my school. They talked about how they always felt different, things they’d disliked about themselves - the relief of coming out. I understood completely but my brief excitement was dashed by their talking about harassment and fear. I wrote my email address on a slip of paper and ‘please help’ which I put in the box they were collecting at the back of the room for any questioning youth. They never emailed me. I made an appointment with my doctor.
I actually begged my doctor to fix me, and he referred me to a GIC (Gender Identity Clinic) in Edinburgh. It took a full year to actually be seen there. I told some of my close friends about my concerns and confusion, and came out as genderfluid. I used a random R based male name to try and settle - knowing that as it was fandom related I’d change it later. When I spoke to the specialist at the GIC, I came out as a Trans Man, I felt validated. I came out to my family not long after and it was not well received. My cousin (who had spent every summer with us for as long as I could remember and I viewed like a sibling) died when I was 14. My godmother (his mother) died a year after. Within the ten years since my cousins death, he, my uncle on my mothers side, my great grandfather, my godmother, my gran and my grandad have all passed away. When I came out to my dad he begged me not to put more strain on our family. My mother turned to drink when I was only 14 and had worsened becoming more and more abusive as time went on. I’d had mental and physical health issues since the age of 8 and my experiences were being written off. My mother got worse, and I ended up being her full time carer for a few years. She was abusive, she hit me, she destroyed my things, she wrote on the walls and threatened me with knives. When a letter for my third GIC appointment came, (the appointment that would have gotten me hormones) I highly suspect it was my mother that destroyed it. I didn’t even know I’d been dropped from the list until six months later when I called to ask when my next appointment would be. I’d apparently missed it and for that reason they’d silently, without fuss, taken me off their active patients list. I was upset but handling my mother was enough strain for me not to fight my case for another few years. I went to attempt college for a second time in 2015 - nearly six years after I first came out, and four after my first GIC appointment. I called my best friend over to my house, and together we sighed 15 deedpolls changing my name and title legally. I contacted the clinic and got another appointment for that September. The doctor wanted longer - more appointments to get to know me, but after hearing I’d already had two with another doctor, had waited four years, had told the story I’ve told you now - she told me she wanted to get me on hormones for christmas. She rearranged her schedule and had me come in on december 9th, four days later I had my first doze of testosterone. I didn’t tell my father that I’d started hormones but I had told him prior that I was going to soon. My dad continued not to accept me, as did one of my tutors at college. I kept my head down and muscled through. I’d become so used to not passing that only 4 years later, when Im passing easily and consistently, its both a shock and yet somehow feels like its always been the case. I had top surgery on October 23rd 2017. To my surprise, my father came to the hospital. He’d said he wouldnt visit, but made the 4 hour drive anyway. Last summer, he started introducing my as his son to strangers. He started inviting me out for drinks with him and my brother. He treated me how I had always wanted. Sure he still drops the feminine endearments in - but I’m not going to fault him that. Everyone I meet assumes Im cis until I tell them otherwise. I was finally comfortable enough in 2017 to come out as gay, and I’m now engaged to my wonderful Fiance who is just beginning his own transition journey. My point? It gets better is a tired phrase that feels worn out by use. And no my life isn’t perfect but dysphoria and lack of love is definitely not the problem. Years ago I felt I’d never pass, I told people as much. I thought I was ugly, and unlovable. Now I like how I look, I Know i pass because people call me “sir” “Mr” ect. One of the tutors for the university I applied to was excited to “finally have a man in the class.” 
The journey is long, and at no point can you see the end of it. Eventually you just look back and see how far you’ve come. Stay strong.��
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dshifcodes4s5f3-blog · 5 years ago
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Borderlands 2 bff who stole the money?
How to add weapons gibbed Borderlands 2
Much like the following play-through about Borderlands, TVHM ends up being harder with tougher enemie Borderlands 2 shift codes. Hyperion's male on the ground is often a snicker bucket of disregard and whiskers oil seen solely so Handsome Jack, who have bought the item ahead himself in order to clean any non-Hyperion employees - like the player - away the head involving Pandora.
We get to visit a being from the real-world step in to the federation of Maya when she lays spend for you to adversaries. Everybody wishes free material, if you're nevertheless playing Borderlands 2, Shift codes can certainly unlock free mods, skin tone, fantastic chests plus more. Legendary class mods are left out by means of Vermivorous the indomitable one last change involving Varkid adversary. Transforming skills is quintessentially Borderlands, in addition to quintessentially Gearbox.
Various factors by no means grow old, in addition to Borderlands 2 mods are only so enjoyment since they end up being approximately 10 years since. With the free involving Borderlands VR forthcoming Sony includes broadcast a fresh PlayStation VR bunch while using the game, Conquer Saber plus all of the hardware you'll want to comedy the games. The search will take them in hitting the ground with a number of common looks from the ancient game - the majority of obviously, the initial. 4 primary story-based DLC crowds were liberated as an ingredient, with Gearbox later releasing holiday-centric miniquests which often focus around murder a boss and collecting a move with skin like a compensate.
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You will find a number of playable characters on this game, entirely further, good two extra characters which were put because DLC. Gearbox Software manages to enhance their own IP in several ways, offering Borderlands 2 classes one of these simple identifies you may not possibly forget to purchase, in addition to meaning fresh figures which will make it possible for players in order to thump away several steam all day. Handsome Jack's plan would be to open Pandora's next Vault in addition to let loose the "Warrior", an excellent Eridian creature regulated simply by whoever issues it.
Also, considering that the item's level becomes mounted for you to ones character's stage, the idea advisable to be able to start the upper body extremely soon after you've turned (along with definitely not to hold back until eventually you're acquiring all-around leveling), so you can commit what very much class period as possible doing beneficial utilization of that will very same height product. Commander Lilith Also The Attack For Haven promises to consider players here we are at the noncitizen world associated with Pandora, in soil intended for Borderlands along with Borderlands 2 (2012) but merely one of numerous planets within September 2019's Borderlands 3.
Borderlands which character to play
These stat advancements sign up for all of an individual player's characters. The game is usually commanded employing a combination of Real occasion endeavor and also a normal PlayStation controller, and also there's at the very least a few shape of assistance to the PlayStation Move controllers. I'm the queen regarding mom which doesn't allow my youngster perform contact of work with games prefer that. Their a fantastic game, appreciated the item a whole lot playing the idea with my personal acquaintances and can't loose time waiting for Borderlands, the idea seems so excellent.
This means, based on the allow Class Mod, you'll have 9 points for a unique skill which has a maximum involving 5. Selecting which in turn class mod make use of ends up being anything but basic, additionally checked because each and every character with Borderlands 2 have got by their fingertips somewhere around. Top off, the idea reside at this time if you've witout a doubt grown your current duplicate involving Borderlands 2 VR, you can download all of that Poor Butt Huge Entertaining at no cost and familiarity the DLC from your refreshing point of view. I perceive individuals discuss the gore, that we dont recognize, since you can certainly transform off of (which i hope a lot more games could see to).
Gearbox Software achieved it plain which the game's exclusivity pertaining to PSVR became always timed. Every time I mod my own skill points for you to approximately they by no means live after that I on you xbox as well as your usb subsequently pack upward Borderlands 2 with all the modded.
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Borderlands 2 is really a game which doesnt acquire itself really, with wit and a cartoonish model littered throughout the idea. Borderlands services some participant online as well as 2 person splitscreen nearby co op within the console versions. Borderlands 2 can be an motion role-playing game played at a first-person view and also elemental influence. Create the right path towards the foundation from the Bloodshed woods, though, as well as a person unlock skills which enable a person keep on on this Deceptiveness setting potentially consistently. In the meantime, the some massive campaigns you will get inside BAMF DLC Load up many present you with a web host of different surroundingses, searches, gear, firearm, adversaries, bosses, and thus much more.
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vshifcodes5wge1 · 5 years ago
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Borderlands 2 how to get skill points
What to do after beating Borderlands 2
Legendary class mods become stopped by simply Vermivorous the indomitable a final change regarding Varkid opponent. This particular Badassery prize players with Badass tokens they could spend upon improving abilities they'll utilize constantly, this kind of such as lowering gun-recoil, rifle damage, health and fitness readings and also defense boost pace. A listing of each of the Legendary (lemon) tools inside the Borderlands 2 modpack, in conjunction with most of the unique influence.
Borderlands assistances four gambler online as well as 2 gambler splitscreen nearby co op within the console versions. We fixed realize it was really therefore special. Gearbox Software made it make that this game's exclusivity for PSVR was always timed. It absolutely was a great deal of fun We solved realize Borderlands 2 would find yourself live a platform countless games would put up with, however neglect to meet.
Top of most, it's reside at the moment if you've witout a doubt understand your own disc connected with Borderlands 2 VR, you can download all of that Poor Rear end Super Entertaining totally free also happening the DLC from a refreshing standpoint. In case you still need to rewind and also visit the lovely aged storages associated with Borderlands 2 with PC however, you could have one more alternatives. Hyperion's guy on the ground is really a sneering bucket connected with contempt along with beard fat recognized simply seeing that Handsome Jack, that has showed it upon himself toward wipe any non-Hyperion employees - like player - off the face area connected with Pandora.
Various points by no means feel my age, in addition to Borderlands 2 mods are simply because fun while they end up being about a decade ago. Anyone needs free products, if you're nevertheless playing Borderlands 2, Shift codes can uncover free mods, epidermises, older upper body plus much more. Much like the next play-through in Borderlands, TVHM becomes harder with tougher enemie Borderlands 2 weapon parts. The experience might be said working with a combination of Real point purposing and also an ordinary PlayStation controller, and there's no less than about shape associated with backing for the PlayStation Move controllers. I'm the double of mother it does not permitted our daughter participate in telephone of duty along with games like this.
How to use Borderlands 2 save editor?
youtube
I played the Xbox form regarding Borderlands for near to weekly, even though the enhancement as well as up grade from your first end up being apparent, the quirk in addition to novelty of which assembled the 2009 game Borderlands 2 shift codes and so endearing and standard. The four participant characters from your initial game, Roland, Lilith, Brick, in addition to Mordecai, go back available as non-player characters that the brand new characters can meet at Pandora, or maybe in numerous vision. Borderlands 2 is certainly a chaotic game, and past which it's greater than some mature designs outside which, even so the game's tale performs actually Borderlands 2 classes have a handful of positive concepts.
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I imagine men and women mention the pierce, that we dont realize, as you are can turn it away (that i hope much more games can accomplish). Handsome Jack's proposal would be to open up Pandora's next Vault and develop the "Warrior", an effective Eridian creature checked by whoever discharges this. Borderlands 2 is really a game in which doesnt take itself badly, with wit along with a cartoonish style littered throughout the item. Furthermore, for the reason that item's concentration is mounted in order to the character's degree, thises recommended to be able to undo the torso quite soon after you've leveled (with definitely not to wait until finally you're receiving all-around levels), so that you can commit when a lot high quality time period as is possible creating very good using to similar height piece.
His or her mission brings them into exposure to a number of personal confronts from your old game - many notably, the original. There's at this time not any concept equally near whether "Borderlands 2 VR" can include the unique game's substantial catalogue regarding development content, consisting of further character brands and hr involving border journeys. While Borderlands 2 originally make it possible for approximately some players, the VR version will be single-player simply.
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Gearbox suggestion how the upcoming PC report involving Borderlands will probably characteristic both the primary game in addition to many techniques from the newly revealed when their presently not for unique fall release night out appears. Picking which usually class mod to utilize ends up being not basic, likewise perceived when every character with Borderlands 2 say by it's convenience around. For those who have a really low-end PC or simply would like to enjoy the experience with your little notebook wherever a person take off, Ultra Low Config mod with regard to Borderlands simply goes outside of the best achievable graphic venues along with yields the action look ten years old, however improves the functioning significantly in the process. Borderlands 2 is a game in which doesnt work itself seriously, with humor plus a cartoonish type littered throughout the idea. With the free associated with Borderlands VR impending Sony gets revealed a fresh PlayStation VR pack while using the game, Overcom Saber plus all of the hardware you need to drama the games.
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batterymonster2021 · 5 years ago
Text
How Student Loans Work...EXPLAINED!
New Post has been published on https://hititem.kr/how-student-loans-work-explained/
How Student Loans Work...EXPLAINED!
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Mike: hey? Have you ever guys ever heard of Tyler Oakley? Good, Tyler Oakley has heard os scholar loans, cuz he had ’em. Giant time. And so he and his acquaintances at gigantic body have asked us to make this for you to give an explanation for how student loans work so you realize, you guys can hae a slightly higher existence vis a vis (?) student loans than Tyler did. Cuz from what I comprehend, he and his acquaintances located it very confusing being that they may be humans and everything. So how do scholar loans work, and the way can you make them work better for you? Section One: The FAFSA AKA Free software for Federal pupil aid. Now before you genuinely start watching for loans, you are gonna want to fill the sort of babies out, either online or on a paper type, which it seems that continues to be a thing.Did you? I didn’t. In any case, huh? Rapid note: filling out the FAFSA is FREE! Free! By no means pay any scammers who are trying to get your money to fill it out. Go to FAFSA’s government website, no longer FAFSA.Com because these guys… Somethin’s fishy. In addition to getting used for federal financial help the FAFSA can also be used by state and institution funded packages, reminiscent of scholarships. Now if youre in high institution, reeer-eer rock and roll, high institution right here, it can be the hippest position in town. Seem at me, i’m not a 31 year old man, i am so hip.I think that you can tell. (beep) If youre in excessive institution then youll surely wish to fill this out as soon as viable after January 1st in the course of your senior year. If youre no longer in high university, you still do wish to fill it out as quickly as viable after the new 12 months. I do need to take a 2nd to stress how foremost that is. Most fiscal help is given out on a primary come, first served groundwork even though it is determined by distinct reasons. So the sooner that you may get that FAFSA in, the bettter you chances of getting the maximum quantity of support available to you.And unluckily, this isn’t a one time thing, either. Even when you are in tuition, you have got to keep filling it out each year. That is due to the fact that, you already know, your occasions might alternate. Considered one of our lovely Tumblr readers said that you may get help from the fiscal support workplace which makes plenty of experience and we’d incredibly advise that. To honestly fill it out your FAFSA, youre gonna want some records. There are tons of one-of-a-kind ones, so right now that knowledge is solely floatin’ round my face right now on account that powers. Also, dont leave any blank house on the shape, if something would not apply to you, simply write zero or no longer applicable and then you are done, you already know. Simply wrap that youngster in a blanket and smack it on the bottom, cuz we’re occurring to– phase Two: varieties of Loans After submitting your FAFSA, there are going to be a quantity of different loan choices. These comprise: 1. Stafford Loans These are offered immediately to you, the pupil, from the USA department of schooling. They are able to be used to pay for many distinctive sorts of bigger education.Stafford loans will either be subsidized or unsubsidized, based in your monetary want. Backed loans mean you dont need to pay any interest on the mortgage at the same time youre nonetheless in university as a minimum half of-time. If your mortgage is unsubsidized, you start accruing curiosity on the first day you obtain your funding. 2. PLUS Loans AKA father or mother Loans for Undergraduate students. These loans are provided to the dad and mom of students by means of the U.S. Division of schooling to help fund their childs education. PLUS loans are confined to the precise schooling expenditures minus every other fiscal aid obtained with the aid of the scholar. 3. Perkins Loans Perkins loans are available for undergraduate or graduate students. These loans are financed by using your institution, however are guaranteed through the federal govt. Perkins loans are situated on your financial want and have caps of $27,500 for undergrads, and $60,000 for graduate scholars. When weighing your monetary options, PLEASE be definite to look at your interest expense. Even decimal points of change can add as much as massive quantities over the ten, 20 or something years for the duration of which you’re going to be paying your loans. So read that high-quality print child! Depending to your problem, you too can have got to practice for personal loans.These are style of problematic. Exclusive loans most likely cost greater costs and more interest, however we do comprehend that they possibly the only option for your case. Extra data within the dooblydo. Section Three: compensation good day, investigate out that fancy piece o paper in your fingers! Whoah mama! Aooga! Time to pay for it. You’re gonna have a number of extraordinary choices of the right way to pay your loans back. 1. Customary terms – that you can repay situated for your loans long-established phrases. This is regularly a ten to twenty 12 months reimbursement plan and it is the most common system. 2. Earnings-established repayment. That is the 2d most fashioned variety. The phrases of your long-established loan are restructured to suit into your funds centered to your present stage of revenue. You’re going to have to reapply ever year for this style of repayment, on account that your revenue could also be altering year to yr, confidently going up.Up, up, up, to the moon! 3. Deferment – if you can not have the funds for your pupil loan cost, in some instances that you can defer it. Deferment doesnt eliminate your student loan debt, it with no trouble puts off when your reimbursement plan starts offevolved. Its most likely most effective granted to current scholars, residents within the army, or if youre unemployed or are incomes not up to the minimal wage. Unsubsidized loans will continue to accrue curiosity for the period of deferment, so its a excellent inspiration to make any repayments that youre ready to. 4. Consolidation Loans If youre now out of institution and in finding your present repayment plan elaborate to manipulate, that you would be able to consistently consolidate your loans. Consolidating will take a couple of loans and simplify them right into a single new mortgage. This can make reimbursement less complicated and may prolong your reimbursement terms up to 30 years, that will slash your monthly repayments, but will extensively increase the quantity of interest you pay over the years. It’s super dupes essential to remain on top of your scholar loan repayments or to work with a mortgage servicing organization if you already know that you cannot make your repayments, try this as quickly as possible.Additionally, pupil loan debt does no longer mechanically go away. Even though you file for bakruptcy! What the crap? Best under very precise circumstances are you going to have these loans forgiven. A type of occasions is dying. So that you die, however you don’t have to pay. Every cloud… You can also honestly be competent to get your loans reduced or utterly forgiven if you happen to prefer to work in the public sector. You may still need to could a hundred and twenty on-time monthly payments before your ultimate balance is forgiven, however it is a quality alternative for regional, state, and federal government employees. Section four: A note for father and mother hi mom and dad! It can be first-class to peer you around here. You’re looking great.Would you adore this gift card for Chili’s? (laughs) Or these tickets to your Billy Joel live performance? Or would you adore… What’s yet another factor grown-u.S.Like? I am a grown up (document scratch) Existential hindrance! Consistent with Forbes, greater than half of all pupil loans are both delinquent or in deferral. These loans will also be for striking quantities, so if you do decide upon to support pay for your youngster’s school schooling, saving early is A+++.The IRS absolutely needs you to aid pay in your little one’s education, so they’ve anything known as a 529 financial savings Plan, which is sort of like a Roth IRA for saving to your bebes future. Not everyone has parents who’re going to be competent to support, but I do want each person to understand this alternative exists to aid. Phase 5: Tyler Oakley i’m so enthusiastic about this that I spit. I spit within the rainbow arc, with the bad french accent that goes to italian routinely. Tyler, you are making me communicate in tongues, you’re making my sould dance, you’re making my liver quiver. I don’t know what to assert to you besides (kiss) thanks a lot to Tyler Oakley and associates for suggesting the subject of this week’s video. In return, i am so joyful to inform every body that HowToAdult can be donating advert sales from this video to the Trevor assignment. The Trevor assignment is a 24-hour hotline and useful resource for hindrance intervention and suicide prevention offerings to LGBTQ young people from ages 13-24.Tyler has supported the Trevor venture for years. It is very close and costly to his heart and to ours, so this is simply our way of paying it ahead. Thanks a lot Tyler, we heart you. In the event you guys are looking for a model of exceptional maturity, Tyler Oakley is lovely difficult to beat. We will see you guys subsequent week. I really like you bye. (kiss) (endscreen) .
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airoasis · 5 years ago
Text
How Student Loans Work...EXPLAINED!
New Post has been published on https://hititem.kr/how-student-loans-work-explained/
How Student Loans Work...EXPLAINED!
Tumblr media
Mike: hey? Have you ever guys ever heard of Tyler Oakley? Good, Tyler Oakley has heard os scholar loans, cuz he had ’em. Giant time. And so he and his acquaintances at gigantic body have asked us to make this for you to give an explanation for how student loans work so you realize, you guys can hae a slightly higher existence vis a vis (?) student loans than Tyler did. Cuz from what I comprehend, he and his acquaintances located it very confusing being that they may be humans and everything. So how do scholar loans work, and the way can you make them work better for you? Section One: The FAFSA AKA Free software for Federal pupil aid. Now before you genuinely start watching for loans, you are gonna want to fill the sort of babies out, either online or on a paper type, which it seems that continues to be a thing.Did you? I didn’t. In any case, huh? Rapid note: filling out the FAFSA is FREE! Free! By no means pay any scammers who are trying to get your money to fill it out. Go to FAFSA’s government website, no longer FAFSA.Com because these guys… Somethin’s fishy. In addition to getting used for federal financial help the FAFSA can also be used by state and institution funded packages, reminiscent of scholarships. Now if youre in high institution, reeer-eer rock and roll, high institution right here, it can be the hippest position in town. Seem at me, i’m not a 31 year old man, i am so hip.I think that you can tell. (beep) If youre in excessive institution then youll surely wish to fill this out as soon as viable after January 1st in the course of your senior year. If youre no longer in high university, you still do wish to fill it out as quickly as viable after the new 12 months. I do need to take a 2nd to stress how foremost that is. Most fiscal help is given out on a primary come, first served groundwork even though it is determined by distinct reasons. So the sooner that you may get that FAFSA in, the bettter you chances of getting the maximum quantity of support available to you.And unluckily, this isn’t a one time thing, either. Even when you are in tuition, you have got to keep filling it out each year. That is due to the fact that, you already know, your occasions might alternate. Considered one of our lovely Tumblr readers said that you may get help from the fiscal support workplace which makes plenty of experience and we’d incredibly advise that. To honestly fill it out your FAFSA, youre gonna want some records. There are tons of one-of-a-kind ones, so right now that knowledge is solely floatin’ round my face right now on account that powers. Also, dont leave any blank house on the shape, if something would not apply to you, simply write zero or no longer applicable and then you are done, you already know. Simply wrap that youngster in a blanket and smack it on the bottom, cuz we’re occurring to– phase Two: varieties of Loans After submitting your FAFSA, there are going to be a quantity of different loan choices. These comprise: 1. Stafford Loans These are offered immediately to you, the pupil, from the USA department of schooling. They are able to be used to pay for many distinctive sorts of bigger education.Stafford loans will either be subsidized or unsubsidized, based in your monetary want. Backed loans mean you dont need to pay any interest on the mortgage at the same time youre nonetheless in university as a minimum half of-time. If your mortgage is unsubsidized, you start accruing curiosity on the first day you obtain your funding. 2. PLUS Loans AKA father or mother Loans for Undergraduate students. These loans are provided to the dad and mom of students by means of the U.S. Division of schooling to help fund their childs education. PLUS loans are confined to the precise schooling expenditures minus every other fiscal aid obtained with the aid of the scholar. 3. Perkins Loans Perkins loans are available for undergraduate or graduate students. These loans are financed by using your institution, however are guaranteed through the federal govt. Perkins loans are situated on your financial want and have caps of $27,500 for undergrads, and $60,000 for graduate scholars. When weighing your monetary options, PLEASE be definite to look at your interest expense. Even decimal points of change can add as much as massive quantities over the ten, 20 or something years for the duration of which you’re going to be paying your loans. So read that high-quality print child! Depending to your problem, you too can have got to practice for personal loans.These are style of problematic. Exclusive loans most likely cost greater costs and more interest, however we do comprehend that they possibly the only option for your case. Extra data within the dooblydo. Section Three: compensation good day, investigate out that fancy piece o paper in your fingers! Whoah mama! Aooga! Time to pay for it. You’re gonna have a number of extraordinary choices of the right way to pay your loans back. 1. Customary terms – that you can repay situated for your loans long-established phrases. This is regularly a ten to twenty 12 months reimbursement plan and it is the most common system. 2. Earnings-established repayment. That is the 2d most fashioned variety. The phrases of your long-established loan are restructured to suit into your funds centered to your present stage of revenue. You’re going to have to reapply ever year for this style of repayment, on account that your revenue could also be altering year to yr, confidently going up.Up, up, up, to the moon! 3. Deferment – if you can not have the funds for your pupil loan cost, in some instances that you can defer it. Deferment doesnt eliminate your student loan debt, it with no trouble puts off when your reimbursement plan starts offevolved. Its most likely most effective granted to current scholars, residents within the army, or if youre unemployed or are incomes not up to the minimal wage. Unsubsidized loans will continue to accrue curiosity for the period of deferment, so its a excellent inspiration to make any repayments that youre ready to. 4. Consolidation Loans If youre now out of institution and in finding your present repayment plan elaborate to manipulate, that you would be able to consistently consolidate your loans. Consolidating will take a couple of loans and simplify them right into a single new mortgage. This can make reimbursement less complicated and may prolong your reimbursement terms up to 30 years, that will slash your monthly repayments, but will extensively increase the quantity of interest you pay over the years. It’s super dupes essential to remain on top of your scholar loan repayments or to work with a mortgage servicing organization if you already know that you cannot make your repayments, try this as quickly as possible.Additionally, pupil loan debt does no longer mechanically go away. Even though you file for bakruptcy! What the crap? Best under very precise circumstances are you going to have these loans forgiven. A type of occasions is dying. So that you die, however you don’t have to pay. Every cloud… You can also honestly be competent to get your loans reduced or utterly forgiven if you happen to prefer to work in the public sector. You may still need to could a hundred and twenty on-time monthly payments before your ultimate balance is forgiven, however it is a quality alternative for regional, state, and federal government employees. Section four: A note for father and mother hi mom and dad! It can be first-class to peer you around here. You’re looking great.Would you adore this gift card for Chili’s? (laughs) Or these tickets to your Billy Joel live performance? Or would you adore… What’s yet another factor grown-u.S.Like? I am a grown up (document scratch) Existential hindrance! Consistent with Forbes, greater than half of all pupil loans are both delinquent or in deferral. These loans will also be for striking quantities, so if you do decide upon to support pay for your youngster’s school schooling, saving early is A+++.The IRS absolutely needs you to aid pay in your little one’s education, so they’ve anything known as a 529 financial savings Plan, which is sort of like a Roth IRA for saving to your bebes future. Not everyone has parents who’re going to be competent to support, but I do want each person to understand this alternative exists to aid. Phase 5: Tyler Oakley i’m so enthusiastic about this that I spit. I spit within the rainbow arc, with the bad french accent that goes to italian routinely. Tyler, you are making me communicate in tongues, you’re making my sould dance, you’re making my liver quiver. I don’t know what to assert to you besides (kiss) thanks a lot to Tyler Oakley and associates for suggesting the subject of this week’s video. In return, i am so joyful to inform every body that HowToAdult can be donating advert sales from this video to the Trevor assignment. The Trevor assignment is a 24-hour hotline and useful resource for hindrance intervention and suicide prevention offerings to LGBTQ young people from ages 13-24.Tyler has supported the Trevor venture for years. It is very close and costly to his heart and to ours, so this is simply our way of paying it ahead. Thanks a lot Tyler, we heart you. In the event you guys are looking for a model of exceptional maturity, Tyler Oakley is lovely difficult to beat. We will see you guys subsequent week. I really like you bye. (kiss) (endscreen) .
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Obama wants every citizen to prove they have insurance?
"Obama wants every citizen to prove they have insurance?
Armchair godess is fullofshit....Scotus is going to hear the mandate portion so her argument is mute.
BEST ANSWER:  Try this site where you can compare quotes: : http://averageinsurancecost.xyz/index.html?src=tumblr 
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Auto Insurance for 18 Years Old.. HELP?
I am asian, male I just turned 18 yesterday, and got my car too.. It's 2005 Nissan 350z Enthusiast, Yellow. I'm just wondering, how much does insurance cost for 18 y.o that drives sports car? I checked with geico, progressive, 21st, and allstate, and they give me a pretty expensive premium.. Just wondering about you guys.. How much do you pay for auto insurance?""
I need my teeth fixed i have no money and no insurance i live in california?
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What would be the average insurance rate for a retail store that sells books? How much more would it be with a children's section? If a child was injured in the play section how much would the rates spike up? I need this for an economics class where we are theoretically building a buisness and running it. Any help is appreciated.
Motorcycle insurance prices in uk at 17-19?
Hello, I really want to get a motorcycle at the age of between 17 to 20 (preferably 17-18) but I was wondering how much it would cost for the insurance of a brand new Yamaha r125 and a Kawasaki Ninja 300 at each age between 17 to 20, thanks guys and it would clear some thoughts on how much it would be, what age seems good. I really want to get a bike before uni.""
What if my parents don't have insurance?
Well my i just found out since my dad got fired, we don't have insurance anymore and i can't go to the orthodontist any more either. I'm wondering why couldn't we just buy permanent insurance so we don't have to deal with this in case one of them looses a job. Shouldn't the whole affordable act thing make health insurance cost less? Or has it not I'm only 16 so i have no clue.""
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ok, i want to get invisalign, but can't find any insurance in california for it, can you please help me find one??""
Temporary US insurance?
I'm going to the Us to meet my friends for three months. Is there any way I can get insurance for just these three months there? Please help
Insurance Cost for Bike?
Hello I'm deciding on either a CBR 125 or a Boulevard S40. The only thing is I want to know around how much insurance each will cost(I live in Canada) And any other reason you think one bike is better than the other would be great. This is my first bike.
Obama wants every citizen to prove they have insurance?
Armchair godess is fullofshit....Scotus is going to hear the mandate portion so her argument is mute.
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I have read on comments under articles on Yahoo and someone said they are required to get the same health insurance but i can not find this on any news article.
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I want to start driving, however one responsibility is paying for my own car insurance. I am 16 years old and am interested in a 2005 Volkswagen beetle. I was wondering what is the best car insurance company for a teen beginning driver, something affordable for a teenager's income please lol. Thank you.""
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I am in the process of purchasing a new house in auburndale, queens ny. i wonder how much is the average home insurance cost in this area? it is a tudor building, 2 and half floors.""
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Does the car appearance (good or bad) affect how much we pay for car insurance. I know insurance companies always ask What condition is your car?..any dents, etc does saying its in good condition make the rates go up or down?""
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Hi, I have just passed my CBT for a 50cc scooter and hold a provisional licence for the UK. I am 16 and passed the CBT on 24th August. I am looking to buy a 49/50cc scooter but I have found that the insurance is extremeley expensive. I have looked around and filled in quotes from comparethemarket.com and the Post Office but the insurance I want (third party fire and theft) always seems to come out at around 300 a year! I know that some people pay only 50 a year for their 50cc insurance. Does anyone know where to get a better deal? Or does anyone have any tips? Thanks""
Please help with this health insurance problem...?
As an immigrant to the US with no job or citizenship, only holding an American Visa, and in a month to have a Green Card, what can you tell me about getting a health insurance? any information available and any websites please.""
Car insurance in New Zealand?
Im thinking of moving to New Zealand. I would want a car at some point and don't know how much car insurence would cost. Im 19 been driving for a year and a half. No accidents, convictions etc?""
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I let my car insurance lapse about a year ago and have been driving without it (I know, not good) and my girlfriends dad is an agent here in ohio. he asked to quote and i gave him my information... can he see that i dont have insurance? what about my credit report?""
Car Insurance Question?
Hi I was involved in a road traffic accident, I have valid insurance & my vehicle is being repaired. My insurance is registered at my current home address but I have just realised that my driving licence still shows my previous address. I am being provided with a courtesy car & have to provide my licence number, will this make my claim invalid???""
How much money is motorcycle insurance for a 17 year old?
I'm 17 and need to save money for a vehicle and I'm leaning towards a motorcycle because they are relatively cheap and fuel efficient. How much is insurance though?
Can car insurance charge you if you dont have a car?
state farm is charging my mom extra $$ because i got my license a few months ago (im currently 21) i got it late but they are charging her and i dont even have my own car. are they allowed to do that? how much would they increase it by?
""Im 21years old,male with a mazda miata 2001. My auto insurance to too high. where can I get cheaper insurance?""
Im 21years old,male with a mazda miata 2001. My auto insurance to too high. where can I get cheaper insurance?""
How much would car insurance be for a 2002 Jaguar X-Type compared to one for a 2002 Lexus ES300?
I know the Jaguar would be more expensive but by how much?
Insurance for a 16 year old?
Im currently looking around for my first car. What would the insurance be for a 16 year old male for a 2005 chevy silverado. Also what would the insurance be for a 2001 camaro. I have a a good gpa if that helps. Also Travelers insurance and live in Connecticut.
How much does your insurance go up for a speeding ticket?
I was going 48 in a 30. How much will my insurance go up and how many point will I get?
How much will insurance costs?
I am under 25 years old, live in CA, and first time car owner and getting insurance on a car older that 15 years... which company do you recommend and why? Thanks!""
How much more will my insurance cost go up with a careless driving ticket?
I'm 16 and totaled a 18,000$ car and the insurance company will probably have to dish out at least 30,000$ in costs for hospital bills and so on. I know I wasn't driving safe and now i'm paying for it so don't heckle me. I have Triple A insurance if that matters, I might go to another company idk.""
What is the best car insurance company for 1st time drivers UK?
Hi, I am 24 and I have had my lisence for about 6 months now! Insurance is soooooo high for this age range and not having much previos experience. What insureers would you suggest to first time drivers? Thanks""
What is the lowest payment for a car loan?
I want to get a Camaro when im 16. Theyre about 35,000 new. Its a lot but yet not. My parents wont buy me a new car as my first. I understand why, but im not reckless or anything. Also what is the insurance for a 16 year old (great grades) driving a Camaro? I think my family has progressive. Anything cheaper? Loans are very risky I know but the job that I will be getting pays a decent amount every 2 weeks or so. I do good with money, every know and then a girl needs to shop :). My mom usually pays for all that stuff though. I dont know anything about loans and banks. How does it all work? Can you tell me like what I would be about paying each month or week for a Camaro? Dont call me stupid, Im just thinking about it. I want a sports bike instead because then I wouldnt need a loan but I need a car for the winter...""
Car insurance renewal premium amount?
I have a Swift car which is one year old. I have to renew its insurance. What can be the likely estimate of insurance amount
Car Insurance Question?
I'm a 16 year old girl with a car, and I wanted to know how much my car insurance price will range in. I'll be driving a white sedan (say a Corolla/Mazda 3, 2005-2007). How much will be my car insurance?""
How much would the insurance cost for a high dollar sports car?
Like a $400,000 Lamborghini Murcielago or a $500,000 Chrysler ME 4-12? A little vague, but what would a ballpark amount be?""
How much is car insurance for a 16 year old girl in texas?
I'm going to be driving a ford I think f150 the year is no later than 2004. I know they have discounts for students with good grades. My gpa is above a 4.650. I need the cheapest I can get. Because aside from managing insurance on this vehicle. I will need to put money aside to purchase a different vehicle. (I'm borrowing the truck, but must pay my own insurance.) And battle school. I won't make a lot of money, so I have to try with what I will have.""
Obama wants every citizen to prove they have insurance?
Armchair godess is fullofshit....Scotus is going to hear the mandate portion so her argument is mute.
https://www.linkedin.com/pulse/honda-5-day-insurance-andrew-solomon/"
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lamurdiparasian · 7 years ago
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by-danilenihan-blog · 7 years ago
Text
NICHE BRAND
Established in 2017, Jacob Kane is a new menswear brand producing bold and unique clothing for the creative youth. Originally from Preston, Founder and designer Jacob graduated from Manchester School of Art earlier this year with a first class honours degree in Fashion Design. There he gained knowledge in manual pattern cutting, block development and industrial production which were vital elements to setting up his own brand. Prior to this Jacob had studied a foundation diploma in art and design and had a keen interest in styling and fashion journals. During his time at Manchester School of Art, Jacob temporarily moved to London to spend two seasons interning with Christopher Shannon, this experience finalised his decision to set up his own brand producing urban and unique men’s wear. (JacobKane.co.uk 2017)
Jacob Kane collections are heavily research led, this is shown by mood boards of various inspirations on the brands Instagram page. Jacob says “"I systematically take pictures on my phone as soon as something catches my attention and I then collages and I think about how I could apply it on a basic garment.”(Jacob Kane 2017) The brands identity is simple and minimalist yet bold and eye catching. The collections often feature bold primary colours with neutral earthy tones to create “The complete Jacob Kane experience”. (Jacob Kane 2016)
The latest collection ‘Unite or Perish’ features oversized streetwear, layering, printed t shirts and patch work style denims. It includes a strong colour pallet of blacks whites and reds. Its inspiration comes from the political state of Britain during Brexit and the lack of unity amongst youth as well as being heavily influenced by Jacob’s own taste and style, he says “The result is a collection that is a comment on my interests and inspirations, as well as a statement about where I think we stand as the youth of today.” (JacobKane.co.uk 2017) As well as being influenced by politics, the pockets and straps on some of the garments have been specifically measured and made for the items young people may carry, for example a wallet, a pack of cigarettes, lighter and phone. Jacob intended for this to look like the garment had been transformed into a survival kit.
The photo shoot for Unite or Perish is displayed on the Jacob Kane website. It is set in a car garage with bare brick wall backdrops and a red Ferrari car cover that compliments the clothing perfectly. The use of a film camera typed filter and red lighting gives it an urban and modern effect.
Prior to creating the first official collection Unite or Perish, Jacob Kane produced 3 collections which are also displayed on the brand website. The first being a Realisation project called ‘A Girl is a Gun’ which features bold black line prints, industrial straps and bright pink fleece and fur, this collection was inspired by female nudity. After this came ‘Keep it moving’ which included patch work denim, big rivets and laced up rope.  The most recent design work was a Motion project, where the first idea of compartment pockets were from, this idea was later expanded in Unite or Perish. (JacobKane.co.uk)
Jacob describes his target audience as a ‘tribe’ that aim to define the term modern, they are young and creative and would be found “shopping in the back streets of Harajuku or at the opening of a new gallery in Antwerp.” He says “The Jacob Kane made and crafted tribe are a curious bunch. The modern youth personified, they do as they like and like what they do”. (Jacob Kane 2016)
The brand take pride in using the best quality fabrics sourced from London, Italy and Portugal. All Products are produced and quality checked in the brands studios in Manchester. As the founder and designer, Jacob oversees and controls every aspect of the company from designing to accounting and purchases. He says “A lot of creatives underestimate the little time you'll spend with their product. If you start alone, like me, you will spend most of your time sending emails, talking with your suppliers, photographers, etc. You really have to be prepared for that."(Jacob Kane 2017)
The Jacob Kane website is minimal black and white and features many captivating shoot photos from different collections. The online store offers various items that fit perfectly together with bold primary colours and oversized fit. There are printed logo t shirts and caps, detailed panelled hoodies with draw string and D ring zip features and variety of panelled denim jeans and jackets.
Although the brand itself is still in its early stages, Jacob Kane has gained a couple of accounts of good publicity. A major breakthrough moment for the brand was when HighSnobiety.com (an online publication, with over 1.5 million Instagram followers, that covers trends and news in fashion, music, art and culture) shortlisted Jacob Kane as one of their ‘9 upcoming brands to check out this month’. Jacob Kane was amongst brands such as Official Fake from Japan and the Swedish brand ADNYM ATELIER.  This was published in early august of this year and discusses the successes of the brand so far, it says, “The result is distinctly wearable staples exacted with decadent details — whether it’s a wide cut or statement zipper.”(Highsnobiety.com 2017) The article also has a summary of the key pieces of the first collection, here it mentions the signature oversized patch work denim jacket and overblown striped shirt. The most recent account of publicity was an interview with Konbini, a multi format worldwide media company specializing in all things pop culture. The media company (who have over 3 million followers on Facebook) interviewed Jacob prior to his first collection release and asked how it felt being a new designer in the industry. He tells them that he intends to be the only distributor of his products to start with, as he wants the brand to grow slowly and organically. (Konbini.com July 2017)
However after producing a strong first collection as a brand, Jacob Kane found its first stockists in Sydney, Australia. The store Subtype stocks sneaker and contemporary brands such as Nike, Filling Pieces, Adidas and Common Projects, their websites states “We at SUBTYPE are constantly Inspired by the individual way our customers and friends dress. SUBTYPE strives to bring you a mix of brands and limited releases that are not offered elsewhere in Australia.(subtype.com July 2017)
For most brands, social media has become the best form of advertisement and promotion, this is the same for Jacob Kane, with a growing following of 10.9 thousand on Instagram, it is vital that as a brand they stay active, they do this by constantly sharing mood boards, colour pallets, design ideas, toiles and finally the finished garments and campaign shoots. Jacob Kane have recently held a competition to win a logo T shirt from the Unite or perish collection on Instagram, all the followers had to do was share the post onto their profiles to be entered. This welcomed many other social media users to check out the brand and proved a successful way to promote themselves as well as gaining potential customers. 
There are many other brands that have presented similar designs this Autumn/Winter, including Christopher Shannon who has produced a collection with consistent use of patch work and panels, Oamc have also produced over sized jackets and coats in dark fabrics, similar to Jacob Kane, as well as Dior creating oversized coats in red and black.
Personally, I really like the style in which Jacob thinks and the designs he has produced so far. I particularly like the fluid use of oversizing and patch work. I feel as a brand it sits in the affordable luxury brand category, the prices range from £45 to £365. I would say this is reasonable pricing for a small brand because it is all made and designed with such detail and precision, products aren’t yet being produced in a mass scale and are limited and rare, however if the brand begins to grow and starts producing in a factory scale, the pricing may decrease. I think Jacob Kane is currently a niche brand, the garments are made to appeal to a small percentage of buyers, the consumers aren’t afraid to be bold and wear eye catching statement clothing. The clothes produced aren’t something you would find in high street stores like Top Man, River Island and Zara.
    http://www.konbini.com/fr/tendances-2/jacob-kane-jeune-createur-anglais-dont-on-entendra-bientot-parler/ http://www.highsnobiety.com/2017/08/01/new-fashion-brands-chenghui-zhang-official-fake/
https://www.artsthread.com/profile/jacobkane/
https://www.subtypestore.com/subtype-events/
https://www.instagram.com/jacobkaneuk/
https://www.jacobkane.com/shop/
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topsolarpanels · 8 years ago
Text
Investing in GoodBusiness
Ted Rheingold Crunch Network Contributor
Ted Rheingold is a profit-from-purpose entrepreneur. He was the founding COO of Tala and founder of the social networks Dogster and Catster.
How to join the network
Since 2001, impact VC firms have raised $13 billion to invest in companies that provide a social or environmental benefit as part of running their for-large-profit business. Indeed, $10 billion of that has been raised since 2010 alone. Impact VCs are VCs first that intend to generate market-beating financial returns because of, not in spite of, an impact-oriented investment thesis.
To date, these impact VC funds have yet to be categorized as a venture trend. Too often they are mistakenly lumped in the general impact investing category, a very broad space of investors from foundations to private equity to wealth management that seek social or environmental impact, but for near-market, sub-market or even net-zero financial returns. Impact VCs focus on early-stage and mid-stage private businesses and most have institutional LPs that are expecting 3x or higher returns on their investments.
Similarly, the for-large-profit businesses in which they invest, which have been identified as a trend, do not have a consistent moniker that encompasses the whole sector. In the last 30 years, these companies have been called double-bottom line, triple-bottom line, ESG, social enterprise, benefit corporations, B Corps, profit-from-purpose and more, which are all relevant, but dont cover the whole category.
Of those, I prefer profit-from-purpose, as it makes clear there is a higher purpose to the company, but profit always comes first. However, if I could wave my wand and assign the sector a catch-name akin to fintech and SaaS, I would assign the name GoodBusiness to the sector of for-large-profit businesses that also provide a social or environmental benefit.
15 years of impact VC fundraises
Ive prepared what I believe is the first comparison of all impact VC funds. It includes data on fund size, fund count and age, GPs, LPs, relevant investments and exits and the firms mission statements. I include only funds investing in startups (seed to late-stage) for top-quartile returns that explicitly state their profit-from-purpose investing strategy and have a portfolio that is at least 50 percent invested in GoodBusiness.
Impact venture capital will not be overlooked or misunderstood for long.
While many traditional funds invest in businesses with social or environmental missions, if backing GoodBusiness companies is not their primary mission, I did not include them. Likewise, I did not include family funds, even those dedicated to impact, if it was not possible to extract what percent of the fund is dedicated to direct startup investments.
Impact venture capital will not be overlooked or misunderstood for long. DBL Partners (as in double-bottom line) created one of the earliest traditional impact VC funds in 2004, and has had big exits in Tesla, SolarCity, eMeter and OPX Bio, among others. Other investors have had healthy exits with 7th Generation, FLS Energy, Nest Labs, SolarBridge, 2U, Chariot, SKS Microfinance, Ujjivan Financial Services and more. This investment sector is also growing quickly; $3 billion in new funds (TPG Rise and Breakthrough Energy) were announced recently.
Broad-focus impact VC funds
Jeffrey Skolls six-year-old Capricorn Investment Groupis currently the sector behemoth, with more than $5 billion raised in 24 funds. Al Gore and David Bloods roughly $2 billion Generation Investment Management fund is very active in later-stage deals as part of their $12 billion private equity fund. Both are very broadly invested and have had some notable exits. Capricorn, notably, is a certified B Corp itself, making it, I believe, the financially largest B Corp in the world.
The sector started taking form, however, with the launch of a number of traditional VC-style firms whose total fund raises range between $100 and $900 million. Elevar Equity, LeapFrog Investments, Collaborative Fund, Obvious Venturesand Renewal Funds all invest broadly in GoodBusiness.
These funds invest from seed to late stage, and are standing in to back businesses much earlier in their trajectories than Capricorn or Generation. We should expect more fundraises and aggressive investing from this group, though some are still waiting on their first GoodBusiness exits. In the sub-$100 million category,City Light Capital, Vast Ventures, Better Ventures, Radicle Impactand Pi Investments (part of a family fund) also are making broad sector investments.
Founder/LP funds
The hardest impact VC to pin down is where the founders are the sole LPs. They tend to be discreet about fund totals, are unrestricted in how they use their money and are unconcerned about future fundraisers.
Omidyar Networkis the oldest and most well-known. They allocate their funds for a spectrum of financial returns, ranging from commercial (VC returns) to sub-commercial (impact investing) to outright charitable donations. The Chan Zuckerberg Initiative will be doing the same, but is expected to eventually have $45 billion in funds, enough to possible transform entire ecosystems.
Millennial and modern shoppers have high expectations for the companies they patronize.
Laurene Powell Jobs new Emerson Collective hasnt exposed how theyll be using her $20 billion net worth (so theyre not included in my analysis), but have stated commitments to supporting entrepreneurs creating positive social change. Kapor Capital is a dedicated VC fund that works closely with their Kapor Center for Social Impact. Freada Kapor Klein is very clear about how they leverage the Kapor Center to guide the Kapor Capital investment team to determine which potential investments targeting Americas underrepresented STEM students and entrepreneurs will have the most commercial potential.
The enhanced VC opportunity for these funds is that if you can catalyze change on first-order problems using donation dollars, youre ideally positioned to reap financial returns by backing the entrepreneurs and businesses that will best serve newly opened marketplaces.
Impact VC sub-sectors
The largest industry sub-sector centers around protecting the earths environment. Reducing or reversing climate change, alternative energy and resources, improving water quality and access, decreasing waste and improving the food system are embraced by many funds. Breakthrough Energy, a new billion-dollar fund backed by a whos who of tech billionaires, is focused exclusively on alternative energy solutions. Another estimated $300+ million has been raised by Closed Loop Fund (recycling), Prelude Ventures (climate change), EFW Partners (energy, food, water) and Closed Loop Capital (food and agriculture).
Another $1.25 billion is dedicated for businesses serving the billion people forecast to enter the middle class in emerging markets this decade. LeapFrog Ventures, Elevar Equity, Gray Ghost Ventures and Khosla Impact are focused on large frontier markets opportunities. For two years I served as COO of Tala, a rapidly growing mobile-based financial service provider targeting the underserved in emerging markets. I experienced firsthand how fast a business can grow by smartly offering fair and convenient services to people who have been mistreated or ignored entirely by existing providers. This sector will achieve exceptional returns because of the combination of massive markets and a relative dearth of investment capital.
Theres also a growing sub-sector of businesses providing high-value products in Western economies. These funds are confident that millennial and modern shoppers have high expectations for the companies they patronize. They want to know management is ethical, employees are treated well, supply chains are clean of exploitation and that the environment is respected in the creation of their product.
Patagonia, 7th Generation, Ben & Jerrys and Dansko are all showing, it pays to be a B Corp. Both TOMS Social Entrepreneurship Fund and Patagonias Tin Shed Ventures have grown out of ethically minded B Corps and invest in early- and mid-stage GoodBusiness consumer-focused startups. Core Innovation Capital is focused on providing fair and trustworthy financial services, a sector historically known for deceptive pricing, unethical management and bad customer service. Fledge is the first B Corp-oriented accelerator.
The newest and smallest sub-sector is focused on good governance and supporting unrepresented founders and entrepreneurs. Village Capital, Impact America Fundand Backstage Capital are all seeking out and supporting businesses that are often overlooked by traditional VC. From their perspective, their investing is the impact. They seek to jump-start new classes of business people that will transform society by opening new opportunities for more unrepresented business leaders in the years to come.
Whats next?
The concurrent global trends of handheld internet connectivity, digital money and wallets, socio-economic turmoil as we exit the Industrial Age, global climate change, rapid population growth, broadening financial inequality and the rise of the global middle class will continue to expose social and environmental problems and opportunities that will allow for different types of businesses than industrial capitalism created. Elon Musk is the most admired leader in technology. Unilever is rumored to become the worlds largest publicly traded B Corp. The Chan Zuckerberg Initiative shows that investing LLCs, not charitable foundations, are how billionaires will give back.
Even Dick Cheney can see the relentless innovation in alternative energies is going to swamp carbon-based industrial in our lifetimes. And even a factory worker can see that robotics, automation and AI are going to decimate a once-reliable job sector, while climate change may affect many others.
Funds that back the alternative energy trends, alternatives to natural resource extraction and improved agriculture will all do well. Funds that back products and services for the large underserved classes will do well. Funds that focus on creating the job sectors of the future will do very well.
While I expect many of the above impact VC funds to expand and raise more funds, and I expect more funds to arrive globally, I expect dedicated sector expansion will slow in 10-15 years. The change will come when traditional VC funds expand their investment theses to include GoodBusiness, and raise funds and bring on partners to focus just on that.
While President Trumps buy-American, pro-fossil fuel, pro-heavy industry, anti-science and climate-denial platform will get the short-term attention, there is no stopping the global trends I listed above. Nows the time to invest in the long game.
Read more:
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mavwrekmarketing · 8 years ago
Link
Ted Rheingold Crunch Network Contributor
Ted Rheingold is a profit-from-purpose entrepreneur. He was the founding COO of Tala and founder of the social networks Dogster and Catster.
How to join the network
Since 2001, impact VC firms have raised $13 billion to invest in companies that provide a social or environmental benefit as part of running their for-large-profit business. Indeed, $10 billion of that has been raised since 2010 alone. Impact VCs are VCs first that intend to generate market-beating financial returns because of, not in spite of, an impact-oriented investment thesis.
To date, these impact VC funds have yet to be categorized as a venture trend. Too often they are mistakenly lumped in the general impact investing category, a very broad space of investors from foundations to private equity to wealth management that seek social or environmental impact, but for near-market, sub-market or even net-zero financial returns. Impact VCs focus on early-stage and mid-stage private businesses and most have institutional LPs that are expecting 3x or higher returns on their investments.
Similarly, the for-large-profit businesses in which they invest, which have been identified as a trend, do not have a consistent moniker that encompasses the whole sector. In the last 30 years, these companies have been called double-bottom line, triple-bottom line, ESG, social enterprise, benefit corporations, B Corps, profit-from-purpose and more, which are all relevant, but dont cover the whole category.
Of those, I prefer profit-from-purpose, as it makes clear there is a higher purpose to the company, but profit always comes first. However, if I could wave my wand and assign the sector a catch-name akin to fintech and SaaS, I would assign the name GoodBusiness to the sector of for-large-profit businesses that also provide a social or environmental benefit.
15 years of impact VC fundraises
Ive prepared what I believe is the first comparison of all impact VC funds. It includes data on fund size, fund count and age, GPs, LPs, relevant investments and exits and the firms mission statements. I include only funds investing in startups (seed to late-stage) for top-quartile returns that explicitly state their profit-from-purpose investing strategy and have a portfolio that is at least 50 percent invested in GoodBusiness.
Impact venture capital will not be overlooked or misunderstood for long.
While many traditional funds invest in businesses with social or environmental missions, if backing GoodBusiness companies is not their primary mission, I did not include them. Likewise, I did not include family funds, even those dedicated to impact, if it was not possible to extract what percent of the fund is dedicated to direct startup investments.
Impact venture capital will not be overlooked or misunderstood for long. DBL Partners (as in double-bottom line) created one of the earliest traditional impact VC funds in 2004, and has had big exits in Tesla, SolarCity, eMeter and OPX Bio, among others. Other investors have had healthy exits with 7th Generation, FLS Energy, Nest Labs, SolarBridge, 2U, Chariot, SKS Microfinance, Ujjivan Financial Services and more. This investment sector is also growing quickly; $3 billion in new funds (TPG Rise and Breakthrough Energy) were announced recently.
Broad-focus impact VC funds
Jeffrey Skolls six-year-old Capricorn Investment Groupis currently the sector behemoth, with more than $5 billion raised in 24 funds. Al Gore and David Bloods roughly $2 billion Generation Investment Management fund is very active in later-stage deals as part of their $12 billion private equity fund. Both are very broadly invested and have had some notable exits. Capricorn, notably, is a certified B Corp itself, making it, I believe, the financially largest B Corp in the world.
The sector started taking form, however, with the launch of a number of traditional VC-style firms whose total fund raises range between $100 and $900 million. Elevar Equity, LeapFrog Investments, Collaborative Fund, Obvious Venturesand Renewal Funds all invest broadly in GoodBusiness.
These funds invest from seed to late stage, and are standing in to back businesses much earlier in their trajectories than Capricorn or Generation. We should expect more fundraises and aggressive investing from this group, though some are still waiting on their first GoodBusiness exits. In the sub-$100 million category,City Light Capital, Vast Ventures, Better Ventures, Radicle Impactand Pi Investments (part of a family fund) also are making broad sector investments.
Founder/LP funds
The hardest impact VC to pin down is where the founders are the sole LPs. They tend to be discreet about fund totals, are unrestricted in how they use their money and are unconcerned about future fundraisers.
Omidyar Networkis the oldest and most well-known. They allocate their funds for a spectrum of financial returns, ranging from commercial (VC returns) to sub-commercial (impact investing) to outright charitable donations. The Chan Zuckerberg Initiative will be doing the same, but is expected to eventually have $45 billion in funds, enough to possible transform entire ecosystems.
Millennial and modern shoppers have high expectations for the companies they patronize.
Laurene Powell Jobs new Emerson Collective hasnt exposed how theyll be using her $20 billion net worth (so theyre not included in my analysis), but have stated commitments to supporting entrepreneurs creating positive social change. Kapor Capital is a dedicated VC fund that works closely with their Kapor Center for Social Impact. Freada Kapor Klein is very clear about how they leverage the Kapor Center to guide the Kapor Capital investment team to determine which potential investments targeting Americas underrepresented STEM students and entrepreneurs will have the most commercial potential.
The enhanced VC opportunity for these funds is that if you can catalyze change on first-order problems using donation dollars, youre ideally positioned to reap financial returns by backing the entrepreneurs and businesses that will best serve newly opened marketplaces.
Impact VC sub-sectors
The largest industry sub-sector centers around protecting the earths environment. Reducing or reversing climate change, alternative energy and resources, improving water quality and access, decreasing waste and improving the food system are embraced by many funds. Breakthrough Energy, a new billion-dollar fund backed by a whos who of tech billionaires, is focused exclusively on alternative energy solutions. Another estimated $300+ million has been raised by Closed Loop Fund (recycling), Prelude Ventures (climate change), EFW Partners (energy, food, water) and Closed Loop Capital (food and agriculture).
Another $1.25 billion is dedicated for businesses serving the billion people forecast to enter the middle class in emerging markets this decade. LeapFrog Ventures, Elevar Equity, Gray Ghost Ventures and Khosla Impact are focused on large frontier markets opportunities. For two years I served as COO of Tala, a rapidly growing mobile-based financial service provider targeting the underserved in emerging markets. I experienced firsthand how fast a business can grow by smartly offering fair and convenient services to people who have been mistreated or ignored entirely by existing providers. This sector will achieve exceptional returns because of the combination of massive markets and a relative dearth of investment capital.
Theres also a growing sub-sector of businesses providing high-value products in Western economies. These funds are confident that millennial and modern shoppers have high expectations for the companies they patronize. They want to know management is ethical, employees are treated well, supply chains are clean of exploitation and that the environment is respected in the creation of their product.
Patagonia, 7th Generation, Ben & Jerrys and Dansko are all showing, it pays to be a B Corp. Both TOMS Social Entrepreneurship Fund and Patagonias Tin Shed Ventures have grown out of ethically minded B Corps and invest in early- and mid-stage GoodBusiness consumer-focused startups. Core Innovation Capital is focused on providing fair and trustworthy financial services, a sector historically known for deceptive pricing, unethical management and bad customer service. Fledge is the first B Corp-oriented accelerator.
The newest and smallest sub-sector is focused on good governance and supporting unrepresented founders and entrepreneurs. Village Capital, Impact America Fundand Backstage Capital are all seeking out and supporting businesses that are often overlooked by traditional VC. From their perspective, their investing is the impact. They seek to jump-start new classes of business people that will transform society by opening new opportunities for more unrepresented business leaders in the years to come.
Whats next?
The concurrent global trends of handheld internet connectivity, digital money and wallets, socio-economic turmoil as we exit the Industrial Age, global climate change, rapid population growth, broadening financial inequality and the rise of the global middle class will continue to expose social and environmental problems and opportunities that will allow for different types of businesses than industrial capitalism created. Elon Musk is the most admired leader in technology. Unilever is rumored to become the worlds largest publicly traded B Corp. The Chan Zuckerberg Initiative shows that investing LLCs, not charitable foundations, are how billionaires will give back.
Even Dick Cheney can see the relentless innovation in alternative energies is going to swamp carbon-based industrial in our lifetimes. And even a factory worker can see that robotics, automation and AI are going to decimate a once-reliable job sector, while climate change may affect many others.
Funds that back the alternative energy trends, alternatives to natural resource extraction and improved agriculture will all do well. Funds that back products and services for the large underserved classes will do well. Funds that focus on creating the job sectors of the future will do very well.
While I expect many of the above impact VC funds to expand and raise more funds, and I expect more funds to arrive globally, I expect dedicated sector expansion will slow in 10-15 years. The change will come when traditional VC funds expand their investment theses to include GoodBusiness, and raise funds and bring on partners to focus just on that.
While President Trumps buy-American, pro-fossil fuel, pro-heavy industry, anti-science and climate-denial platform will get the short-term attention, there is no stopping the global trends I listed above. Nows the time to invest in the long game.
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