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Socialism is becoming favored more than capatilism with this up coming generation. Q: Do you think that socialism has become more favored because the poverty rate and being in dept has increased?

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people are losing faith in capitalism. the world needs a new approach - cnn

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Perspectives: People are losing faith in capitalism. The world needs a new approach

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Social and economic disruptions, including income disparity, a shrinking middle class, the uneven distribution of the benefits of globalization, and the threat of job loss due to automation all contribute to the declining confidence in our economic system, writes Michael Klowden, CEO of the Milken Institute.

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Spodify has grown in popularity due to partnership with Hulu and google. Q: Would apple music fall and will people turn over from apple devises to google devises.

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spotify now has more than 100 million paid subscribers - cnn

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Spotify now has more than 100 million paid subscribers

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Spotify has surpassed 100 million paid subscribers.

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 This focused on the Amazon 1 day shipping being the norm.  (Forbes)

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 This focused on the Amazon 1 day shipping being the norm.  (Forbes)

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Q: Should we pay less than $15 a month for amazon prime to get free shipping and one day shipping?

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Amazon just upped the ante for the retail industry once again, saying it is moving fast to evolve its signature two-day free shipping for Prime members into one-day free shipping.

"This is a big investment," Brian Olsavsky, Amazon's chief financial officer, said on a conference call Thursday night, when Amazon reported Q1 earnings more than doubled.

Amazon plans to spend an incremental $800 million in Q2 alone-that's more than one-fifth of its net income in Q1-on this new initiative, with plans to build out the "capacity" the rest of this year, Olsavsky said. In the past month, Amazon "significantly" expanded the selection of products and zip codes eligible for one-day shipping, he said.

Amazon will also continue to have many items available for same-day, and Prime Now one- or two-hour, shipping, he said.

The news dominated the earnings call, with analysts asking numerous questions, especially with Amazon having slowed fulfillment and shipping costs growth and posted record profits in recent quarters.

"What's the big opportunity to invest in one-day?" Morgan Stanley analyst Brian Nowak asked.

Without being more specific, Olsavsky said one-day free shipping is not only about increased convenience; it also "will open up a lot of potential purchases." "We really think it's going to be groundbreaking for Prime members," he said.

Amazon's Prime membership-with myriad perks that also include Prime Video-continues to be Amazon's key weapon to hook customers into its ecosystem of products and services. That's crucial at a time when traditional retail giants, including Walmart, Target and Best Buy, are upping their game and capitalizing on their much bigger physical-store footprints to better compete against Amazon. Walmart has also doubled down on third-party online marketplace offerings and made it easier for sellers to fulfill two-day free shipping, without the need of a membership.

Olsavsky said Thursday that Amazon signed up more Prime members in 2018 than any other year. Consumer Intelligence Research Partners estimated in January that Prime membership-which it said represented 62% of Amazon customers-topped 100 million at the end of last year in the company's top market, the U.S. Last April, CEO Jeff Bezos said Amazon's global Prime membership topped that same milestone, 13 years after the launch.

Prime "remains a very compelling program," Olsavsky said Thursday.

Getting Prime members to spend more could be relevant as Amazon's online-store and third-party seller services sales, while still the envy of the retail industry, have slowed. Its Q1 worldwide paid units sold rose 10%, which RBC analyst Mark Mahaney said is the slowest growth he's seen."How do we think of the sustainability of the growth?" he asked on the call.

Olsavsky said that percentage didn't include results from the company's faster-growing segments, including the AWS cloud service, advertising and subscription services like Amazon Music Unlimited and Prime.

Q1 sales minus currency impact rose 42% for both the subscription service and AWS, which counts customers including Lyft and Volkswagen. Advertising sales, another key growth focus, rose by more than 36%, Amazon's finance chief said.

In comparison, online store sales rose 12%; third-party seller services gained 23%; and sales made in physical stores, primarily Whole Foods, climbed just 1%.

And that's not to mention that, on the profit front, AWS will continue to do the heavy lifting and help fund Amazon's various projects. While representing only 13% of Amazon's total sales, AWS posted a 59% jump in Q1 operating income, to $2.2 billion-half of the company's total.
Related on Forbes: Neiman Marcus invests in luxury reseller Fashionphile, proving the power of re-commerce and millennials Related on Forbes: Best Buy continues to bet on digital health with new TytoHome deal Related on Forbes: REI doubles down on rentals and used gear sales Related on Forbes: How French luxury label Hermès plans to attract millennials

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Why Amazon Is Moving To Make One-Day Prime Shipping The New Norm

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Amazon just upped the ante for the retail industry once again, saying it is moving fast to evolve its signature two-day free shipping for Prime members into one-day free shipping. "This is a big investment," Brian Olsavsky, Amazon's chief financial officer, said on a conference call Thursday night, when Amazon reported Q1 earnings more than doubled.

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The article focused on zuckerburg taking  over microsoft for its shares(fobes)

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The article focused on zuckerburg taking  over microsoft for its shares(fobes)

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Q: Should Zuckerberg take over Microsoft shares to increase his net worth to replace the amount he lost in the Facebook shares?

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Mark Zuckerberg's net worth jumped over $4 billion today.
2018 Getty Images

The net worths of big tech's blue chip billionaires jumped Thursday as soon as stock markets opened. The gains came after both Facebook and Microsoft reported better than expected revenue growth on Wednesday after the market closed. Altogether the value of Facebook and Microsoft shares held by 27 billionaires rose $7.4 billion, thanks to the strong earnings reports.

The biggest gainer by far was Facebook CEO Mark Zuckerberg, the largest individual shareholder in the social network he founded in a Harvard dorm room 15 years ago. Zuckerberg's fortune rose $3.9 billion on Thursday to $71.8 billion.

Despite concerns over its platforms' data security and privacy, Facebook's quarterly revenue exceeded $15 billion, a 26% year-over-year increase. The company estimates that 2.1 billion people use one of its services every day. Its share price on Thursday rose 5.8% to $193.26.

Facebook also disclosed a $3 billion to $5 billion legal charge from the FTC, which it claims dragged its diluted earnings per share down 55%. The penalty seems to be tied to the Cambridge Analytica scandal, which sparked a national conversation about the social media giant's usage of user data. But investors seemed to shrug off that news.

"We're making significant investments in safety and security while continuing to grow our community and our business. This quarter once again, shows that we can do both," said Sheryl Sandberg, Facebook's billionaire chief operating officer. The 22 billionaire Facebook shareholders' stakes are collectively worth $5.7 billion more as of 4:30 pm ET Thursday than at the market close on Wednesday.

The day's second-biggest gainer was Steve Ballmer, the former Microsoft CEO who holds more shares in the software giant than any other individual. His fortune jumped $1.2 billion, to $48.2 billion.

Microsoft's earnings shattered expectations, with diluted earnings per share up 20%. Its quarterly revenue climbed 14% to $30.6 billion, largely on the back of its commercial cloud business, which alone has jumped 41% year-over-year.

Steve Ballmer is Microsoft's biggest individual shareholder.
Getty Images for The New York Times

Ballmer joined Microsoft in 1980 as its 30th employee and served as CEO from 2000 to 2014. He bought the NBA's Los Angeles Clippers from fellow billionaire Donald Sterling in 2014 for $2 billion. Ballmer has put $2 billion into a donor-advised fund focused on addressing poverty in America.

He's not Microsoft's only big winner today. Cofounder and former CEO Bill Gates sold or gave away most of his shares years ago but still enjoyed a $400 million boost. According to Forbes' real time wealth tracker, he's now worth $101 billion, one of just two centibillionaires alive, beaten only by Jeff Bezos. (Bezos's net worth could skyrocket during trading Friday in the wake of a strong quarterly earnings report from Amazon today.)

Overall, the nine members of Forbes' list of the World's Billionaires who have significant stakes in Microsoft-a verifiable "who's who" of investors that include Gates, Ballmer, Reed Hastings, Charles Simonyi, Penny Pritzker, Mark Stevens, Herbie Wertheim, Robert Duggan and Reid Hoffman -saw their fortunes rise a combined $1.7 billion.

Not every billionaire won after Wednesday earnings. Elon Musk lost over $650 million of his net worth, with Tesla facing a bigger-than-expected $702 million loss. "This was one of the most complicated quarters I can think of in the history of the company," Zachary Kirkhorn, Tesla's new CFO, said on a conference call with analysts.

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Zuckerberg, Ballmer Gain Combined $5.1 Billion After Strong Microsoft, Facebook Earnings

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The net worths of big tech's blue chip billionaires jumped Thursday as soon as stock markets opened. The gains came after both Facebook and Microsoft reported better than expected revenue growth on Wednesday after the market closed. Altogether the value of Facebook and Microsoft shares held by 27 billionaires rose $7.4 billion, thanks to the strong earnings reports.

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This is about the pros and conswhole foods concern (fox)

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This is about the pros and conswhole foods concern (fox)

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Q: Would this create more or less money for amazon which would increase the economy for consumers?

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Kadina Group President Gary B. Smith on the outlook for Amazon and Intel.

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The main focus for this article is about the new CEO Harvey Shwartz
Q: Would this affect the wells Fargo formats with checking and savings accounts?

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Wells Fargo board members are reportedly in talks to hire Harvey Schwartz, the former president and chief operating officer of Goldman Sachs, as the scandal-ridden bank's next chief executive.

Schwartz, who lost a race last year for the top executive spot at Goldman to Lloyd Blankfein, is reportedly in talks with the California-based bank to replace Tim Sloan as CEO, according to a report from the New York Post, which cited two people briefed on the talks.

"The issue is that he does not want to move to Charlotte or San Francisco," one source told the Post. (Wells Fargo's East Coast headquarters is based in Charlotte, North Carolina).

A Wells Fargo spokesperson, however, denied the report.

"There's no validity to any rumors that Wells Fargo is in talks with any potential candidates with respect to the CEO position," Cynthia Sugiyama said in a statement to FOX Business.

The country's third-biggest bank is no stranger to controversy: In December, Wells Fargo agreed to pay a $575 million fine, a result of claims of millions of phony accounts across the country. The bank also agreed last year to pay close to $2.1 billion for misbehavior in its auto and mortgage businesses, like charging customers for auto insurance they didn't need or pushing some to default on their loans and lose their cars through repossession.

As a result, the stakes are high at Wells Fargo to turn the company around; last week, Sloan testified on Capitol Hill in front of the House Financial Services Committee about the bank's long history of predatory consumer practices.

During the hearing, Sloan, who has been with the company for 31 years, pledged that the scandals are being addressed.
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"The reputational damage that our company has endured because of our mistakes has created significant damage...and it's my job as CEO to make sure things change, and they are changing," he told the panel.

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Wells Fargo in talks to hire Harvey Schwartz as new CEO: Report

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Wells Fargo board members are reportedly in talks to hire Harvey Schwartz, the former president and chief operating officer of Goldman Sachs, as the scandal-ridden bank's next chief executive.

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The focus of the article is Newyorkers are fleeing because of high taxes (fox)

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The focus of the article is Newyorkers are fleeing because of high taxes (fox)

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Q: Would Trump be willing to bring down taxes to keep them living in New york ?

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President Trump took to Twitter on Monday morning to slam New York State over its high taxes, citing them as a reason residents were leaving.

Trump also said the New York State government was "illegally using the state's legal apparatus" to 'destroy' the National Rifle Association (NRA).

As previously reported by FOX Business, New York is one of the states that saw a net outflow of residents in 2018.

"About 0.47 percent of people have migrated out of New York Opens a New Window., which is the highest of any of the 50 states ... it's like 40,000 people," Dolly Lenz Real Estate Managing Director Jenny Lenz told FOX Business' Maria Bartiromo, adding that many of them are moving to Florida because "the taxes are so low."

New York had the fourth-highest number of individuals move out in 2018. About 61.5 percent of all moves were outbound, according to a recent study

Those with low yearly incomes - below $50,000 - and those with incomes between $75,000 and $150,000 moved out of the Empire State at a high rate, as did those with incomes of more than $150,000.

Trump also mentioned that the state did not put "up a fight against SALT," though it was unclear exactly what he meant. Under the Tax Cuts and Jobs Act, Republicans implemented a $10,000 cap on state and local tax deductions which hurt residents in high-tax states like New York.

New York was found to have the highest state and local tax burden of any of the 50 states, with the average individual paying nearly 13 percent of income toward those obligations.

Gov. Andrew Cuomo has asked the president to reconsider the new cap, which he called "a gross injustice" and "an economic attack on Democratic states." Cuomo has said this specific change to the tax code has led to a decline in revenues in his state, and says some of the wealthier residents have changed their primary residence to avoid paying more in taxes.
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New Jersey, another high-tax state, saw the largest outflow of residents last year.

Meanwhile, the states that saw the most inbound movers included Vermont, Oregon, Idaho, Nevada and Arizona. While Nevada charges no income tax, South Dakota and Washington - which also have no income taxes - also made the top 10.

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Trump says Americans 'fleeing' New York over high taxes

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President Trump took to Twitter on Monday morning to slam New York State over its high taxes, citing them as a reason residents were leaving. Trump also said the New York State government was "illegally using the state's legal apparatus" to 'destroy' the National Rifle Association (NRA).

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This is about how he created his wine and created a bigger business.

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This is about how he created his wine and created a bigger business.

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Q: Would more people buy o invest in wine that was selling one ones that they liked?

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The Golden Goose: How Dani Reiss Became A Billionaire Turning Canada Goose Into A Luxury Brand Powerhouse

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On a snowy, blustery day in Toronto, Dani Reiss is safe and warm inside one of his Canada Goose factories, demonstrating how to get piles of ultra-lightweight Hutterite goose down into a jacket without making a mess. He steps on a worn pedal and braces for impact.

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This is about how he started his business and grew. 

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This is about how he started his business and grew. 

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Would people benefit from Marqueta card company?

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n the spring of 2015, Jason Gardner, the founder of Marqeta, a payments processor, left a grim board meeting and went for a walk with his lead investor, Arnon Dinur of 83North. Facebook had pulled the plug on a joint initiative, and Marqeta had fallen far short of its revenue target.

Walking the streets of Emeryville, California, a small town between Berkeley and Oakland, Gardner told Dinur that Marqeta wouldn't last long with the cash it had. He needed to buy time. The company moved to a weekly budget, and Gardner volunteered to cut his own salary by 40%. "Ninety out of one hundred entrepreneurs would have asked for more money," Dinur says.

"I wanted to show my commitment to not only the board but the company, that I'm willing to do anything to get to the next step through determination," Gardner says. "It's almost like inflicting pain on yourself. . . . It gets you to understand what's at stake here." Two other executives also volunteered to slash their salaries by 40%, and the startup didn't lay anyone off.

Four years later investors were meeting again at Marqeta's office, now a 16-story building in Oakland with the company's name on it. This time the meeting's tone was different. Revenue had doubled every year since 2016, reaching close to $150 million in 2018, a source tells us. Marqeta was finalizing plans to raise at least $250 million at a valuation of about $2 billion, nearly quadrupling its value from two years ago.

Jason Gardner, Marqeta's founder, in the company's headquarters in Oakland. Over the past two years, the company has grown from 75 to 275 employees.
Timothy Archibald

Despite a rough start, Marqeta has had the right idea since its founding in 2010. It pursued a niche in the payments-processing business that had seen little innovation in over a decade: card issuing and processing, which involves deciding whether a debit card transaction should be approved. It iterated through three business models, staying frugal along the way and ultimately landing on an open-software platform that outside engineers could easily plug into. It identified Square and Instacart as future winners, recruiting them as customers and latching on for the ride.

Gardner, 49, is hardly the type you'd expect to become a successful Silicon Valley entrepreneur. Growing up in a middle-class family in New Jersey, the son of a stockbroker father and a legal mediator mother, he had a motley assortment of jobs in high school, from working at a thrift shop to selling tie-dyed shirts on New Jersey trains on his way to some of the 80 Grateful Dead concerts he attended. Although he wasn't a coder, he liked hanging around Radio Shack and taking apart radios and TVs. In college at Arizona State, he worked as an assistant to Senator John McCain in his early 20s but decided politics wasn't for him.

Later he worked in sales at research companies like Gartner, eventually founding a payments startup in 2004 that allowed people to pay rent electronically. Gardner was so short on cash over the next few years that he sometimes put mortgage payments on his credit card. In 2007 he sold the company to MoneyGram for $28 million and stayed on as an executive for two years.

Then he started to think about new uses for debit cards. His first idea was a prepaid loyalty card sold at grocery stores where you could pay $50 for $55 worth of items from retailers like Jamba Juice. Gardner called it Marqeta (after a woman he and a friend had traveled with in Prague), brushing off the fact that a marketing firm was already using the name Marketo. He raised $6 million from investors like the Israeli VC firm 83North.

It took him almost two years to release the product, because he'd built an entirely new payment processor along the way. He opted not to partner with one of the big companies that had been doing issuing and processing for decades, like First Data or FIS, because he thought going solo would give him speed and flexibility. But the loyalty card flopped. Gardner learned that it took too much capital to scale a consumer retail product and that he wasn't good at consumer-facing design. "I like the complexity of building infrastructure," he says.

Gardner's second business product was commissioned by Facebook: a gift card that you could send to friends and was redeemable at places like Target and Olive Garden. Facebook launched it in January 2013 but was disappointed in the sales and shut down the card about a year later.

Around this time, companies like the communications software maker Twilio were starting to let clients access their technology and customize it via application programming interfaces, or APIs. Gardner chose that approach for Marqeta's third product and announced it in late 2014.

Revenue had doubled every year since 2016, and Marqeta was finalizing plans to raise at least $250 million at a valuation of about $2 billion, nearly quadrupling its value from two years ago.

With Marqeta's API, companies that wanted to issue debit cards could authorize transactions themselves and set the criteria for accepting them. "We move the system of record or ledger to our customer," Gardner says. And companies no longer needed to separately solicit relationships with a card network (like Visa), a bank, a transaction processor and a plastic card manufacturer. Marqeta had built those partnerships and wrapped them up in one package.

Once customers were set up, Marqeta would make money the same way Visa and Mastercard do, by taking a cut of every transaction. How much? Marqeta is mum, but we're told the average fee is roughly 1% before rebates to clients.

One of its first clients was DoorDash, the San Francisco food delivery company whose thousands of "Dashers" retrieve takeout meals from restaurants on behalf of customers. With Marqeta, DoorDash has issued debit cards that don't work unless a Dasher is at the correct restaurant, and it won't authorize transactions for values that exceed the customer's order amount. Over the past two years, Marqeta's technology has helped delivery companies cut fraud in half, to 5% or less.

Marqeta's Money Moves

NICK DESANTIS

In 2016, Marqeta's trajectory tilted upward. Instacart let Marqeta power the debit cards its freelance delivery people used to buy groceries. When Square decided to issue a virtual debit card paired with its fast-growing money-transfer app, Square Cash, Marqeta helped it build the product within six weeks, rather than the months a traditional issuer-processor would have taken. Square also used Marqeta to create the plastic debit card it released the following year.

Kabbage, a small-business lender, signed on, issuing a Marqeta-powered debit card that let customers spend some of their loaned funds at retail merchants. It took Kabbage "months versus quarters" to release the cards, says Kathryn Petralia, Kabbage's president. "All traditional providers remain cumbersome."

Two insights drove Marqeta's success. First, instead of focusing on banks as customers-as Fiserv, Tsys and FIS have done profitably for decades-it looked sideways, directly targeting tech-enabled service providers in the new economy. Second, by taking an API approach, Marqeta sped up the setup process and catered to companies that want to control how digital payments are authorized.

In 2017 Alipay, the Chinese payment app that has more than 900 million global users, signed on to enable Chinese nationals to use the app at U.S. retailers while traveling. Brex, the credit card startup, became a customer. Marqeta raised $25 million that year from investors like Visa, Granite Ventures and 83North, while bringing in $70 million of revenue, we estimate. It doubled its staff to 160 employees.

"Payments is deceptively complex," says Omri Dahan, Marqeta's chief revenue officer. "There are a range of varied interests in the ecosystem who need to be balanced just to produce one card swipe that's successful. . . . You have to get used to getting punched in the face every day."

It helps to have healthy clients. Square went from a $4 billion market value in 2016 to $32 billion today, becoming Marqeta's largest customer and processing more than $5 billion in volume through Marqeta last year, estimates Brett Winton at Ark Investment Management, a large Square investor. In three years, DoorDash's valuation has gone up tenfold to $7 billion and Instacart's fourfold to $8 billion.

Marqeta identified Square and Instacart as future winners, recruiting them as customers and latching on for the ride.

Dahan says Marqeta hunts for clients in large markets that are being disrupted. And it thinks like a venture capitalist. "What do we think of the company? Is it well funded? Well led? How are their engineers?"

Marqeta expects to double revenue again this year. Dahan says its clients are evenly spread across a handful of industries, which include lending, delivery, e-commerce, travel and one he thinks is the most promising: digital banking. In addition to Square, which has 15 million monthly users for its Cash app and is looking more and more like a bank, Marqeta is working with (as yet unnamed) digital-first "challenger banks" in Europe.

What could go wrong? FIS has APIs with features that are similar to what Marqeta offers and could make them better if its bank customers want more. Stripe, the payments giant that's worth $22.5 billion, released a card-issuing service last year at what is rumored to be half Marqeta's price.

"You can put 50 engineers on something and maybe move five times faster," Dahan says. "But being in-market, scaling programs, learning from those programs? That is not something that can be fast-forwarded."

For now, Marqeta has something else in its favor: its clients' trust, which is rather important in a money-handling business. But there's nothing permanent about even this advantage, so Jason Gardner is going to be looking over his shoulder. He's had some practice with that.

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It Took Three Tries, But This Entrepreneur Transformed His Struggling Startup Into A $2 Billion Unicorn

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n the spring of 2015, Jason Gardner, the founder of Marqeta, a payments processor, left a grim board meeting and went for a walk with his lead investor, Arnon Dinur of 83North. Facebook had pulled the plug on a joint initiative, and Marqeta had fallen far short of its revenue target.

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micro soft and amazon are the best tech bellwethers was the main focus.

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micro soft and amazon are the best tech bellwethers was the main focus.

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Q: imagine if the only way to shop was through google and amazon?

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Amazon, Microsoft are two tech bellwethers to watch: Daniel Ives

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Wedbush managing director Daniel Ives and Axios markets editor Dion Rabouin discuss the upcoming release of big tech earnings and what companies investors should be focused on.

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This is about Aston Martin selling his car to other brands

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This is about Aston Martin selling his car to other brands

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Q: Should people invest more in electric cars rather than gas to save the enviroment or is this just a way to pitch to make money for these companies?

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aston martin unveils its first electric car - cnn

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Aston Martin unveils its first electric car

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Aston Martin unveiled the British luxury brand's first electric car at the Shanghai Motor Show, but don't expect to see many more. Only 155 of the four-door Rapide E will ever be produced.

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this is about how Tiffany Hall wants to get rid of the steriotype of men running the alchol industry

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this is about how Tiffany Hall wants to get rid of the steriotype of men running the alchol industry

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Q: would this cause more women to invest in liquor and cause men to back out if it became more feminine?

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the liquor industry is incredibly male dominated. she's helping to change that - cnn

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The liquor industry is incredibly male dominated. She's helping to change that

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Tiffany Hall paused her legal career and launched an alcohol brand called Empower Cocktails to level the playing field for women in the spirits industry