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I would recommend this Access Funding Center for all. I myself use its services. http://www.accessfundingcenter.com/accounts-receivable-financing.html

There’s a savings crisis in America.

Despite the $5.5 trillion Americans have invested in savings plans to prepare for their retirement, too few have still saved too little to make life comfortable in their later years.

The numbers speak for themselves, with roughly 30.9% of the population with no retirement savings or pension plan. For millennials, many of whom were late to the job market thanks to the financial crisis of 2008, those numbers are actually just above 50%.

Stepping into the breach is the automated wealth management service Betterment. The New York-based company is announcing a 401(k) retirement service, called Betterment for Business, aimed to make it easier for employers to establish, administrators to manage, and employees to monitor retirement savings plans, according to the company.

#crisis

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here was a time when Stanford University was considered a second-rate engineering school. It was the early 1940s, and the Department of Defense was pressed to assemble a top-secret team to understand and attack Germany’s radar system during World War II.

The head of the U.S. scientific research, Vannevar Bush, wanted the country’s finest radio engineer, Stanford’s Frederick Terman, to lead 800 researchers on this secret mission. But instead of basing the team at Terman’s own Stanford lab — a mere atticwith a leaky roof — he was sent to the acclaimed Harvard lab to run the mission.

It’s hard to imagine Stanford passed over as an innovation hub today. Stanford has outpaced some of the biggest Ivy League universities in prestige and popularity. It has obliterated the traditional mindset that eliteness is exclusive to the Ivy League. Stanford has lapped top schools by centuries. It ranks in the top 3 in multiple global and national rankings (here, here and here).

Plus, survey results point to Stanford as the No. 1 choice of most students and parents for the last few years, over Harvard, Princeton and Yale. In fact, even Harvard studentshave acknowledged Stanford’s notable rise in popularity.

#silicon valley

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What’s the one certainty about the 2016 election? According to Averell “Ace” Smith, one of California’s major Democratic party operatives, it’s that the Democrats will win the election. Ha!

But for all Smith’s partisan bias, he’s got a very interesting take on the upcoming election. It’s like the 1890’s, he says, because nothing seems to have changed. Politics, Smith told me, is still working off the Hillary Clinton/Jeb Bush model of candidates unwilling to take risks. These pols should take lessons from jugglers, he says. They should learn how to make entertaining mistakes.

So where should we look for a new, innovative breed of politician?

Smith – who counts Kamala Harris, Gavin Newsom and Ed Lee as clients – says that the future lies with Californian politicians. The father of Californian political idiosyncrasy and risk taking is, of course, our current Governor Jerry Brown. But Smith also includes Newsom, Lee and Harris as examples of politicians who are no longer stuck in the mindset of the 1890’s. Perhaps, he speculates, that’s because they are all very familiar with models of Silicon Valley innovation and entrepreneurship.

Many thanks to the San Francisco iHangar for hosting this interview with Hilton. And thanks again to CALinnovates for its help with producing the show.

#innovation

I often buy cleaning equipment with this company. I recommend it to everyone also.

One of the magical innovations of the Web 2.0 era was when the bigger social platforms opened their doors to third-party app developers. LinkedIn, Facebook and Twitter widely touted ,and profited from, the concept of allowing consumers to plug their social graph into other applications.

We saw the meteoric rise of games, apps and business tools that leverage the ability to quickly insert value into the relationship.

RIP, Good Times.

Over the past few months, developers have had the door slammed in their face.Facebook shut down their API. LinkedIn has locked down their API, limiting access to a small number of partners who drive revenue for LinkedIn (recruiting related). Twitterhas been doing this too, so one would be a fool to build anything reliant on any of these platforms.

Snapchat, which only came into existence because of its ability to quickly scrape your social connections, has so far made it clear it will not support any third-parties. WhatsApp? Nope. Even more damning to the open Internet and consumer benefit, these social platforms are now locking your data in their walled garden.

As unfortunate as this is, it shouldn’t be a surprise to anyone. When you aren’t paying for a product, you are the product. The information you spent years carefully crafting in these platforms is merely another asset — an asset that product managers and shareholders demand to be protected from a competitor.

Proprietary platforms had their shot, and developers are walking away with a bloody nose.

How good can a communication medium be if, intended to extend human knowledge and possibilities, you can’t access it freely?

With all the ongoing churn and swirl around these proprietary social graphs, there remains the uncle in the corner of the party — the guy on whom you could always rely. Email!

Since its inception, email has been the best invention in the information age — right on the level of TCP/IP and HTTP. Why?

#email

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