I think you're right, insurance and banks are both looking at a similar problem. In our approach, which is agri-specific, we work with banks to include requirements for climate smart agriculture into loan agreements. Farmers must do x, y and z if they want a loan. From an insurance perspective, this is the equivalent of requiring drivers to wear a seatbelt. We use a remote-sensing system to verify that farmers are in compliance with the system, and if they are we pass a score back to the bank for inclusion in their credit scoring algorithm. Compliant farmers have an improved risk profile and should be able to access credit on improved terms to reflect the improved risk.
How are banks responding to your services? In insurance, we’re having a very soft market due to all the capital sloshing around the system. I imagine it can be challenging for lenders to impose significant risk controls when there’s alternative financing so cheaply available.
My wife works on climate change advocacy on the nonprofit side. Are you working with any advocacy organizations? Presumably they’re an important part of your approach.
TBH - climate silos and finance silos are difficult to merge. Different language, KPIs, incentives and concerns. We're trying though to reconcile the two! That said, banks are increasingly paying attention. The two drivers for this are: (1) Ratings agencies including climate factors in their ratings, and (2) G20 Financial Stability Board, Bloomberg Committee calling for voluntary disclosure of climate risk and mitigation steps by company boards.
At the very least, it's a lot more money than they made renting wi-fi access during the event in question. Therefore, this behavior is unprofitable and will stop.
It's also enough to get the people who decided to do this fired.
It'd be about break-even if they have a convention each week, and get 25 exhibitors pay $500 each. So if they had a lot of exhibitors they convinced to pay, they could have easily made a profit after the fine.
I'm a current Tonx subscriber, and I bought Blue Bottle when you could only get it from that hole in the wall on Linden Lane.
But for some reason this announcement still feels like a loss to me. It's probably my aversion to all those SF people who rave about Blue Bottle, but get drinks that drown out the coffee flavor with milk and sugar.
I agree. The beauty of Tonx is that it's all about the coffee itself. No milk, no sugar, no dilution. Blue Bottle seems more about the coffee drink and less about the coffee
The Blue Bottle siphon bar in Chelsea (NYC) is a bit of a step back in the direction of "coffee itself". The brew methods are on the fancy side, but you can get the flight of two siphon coffees and compare the different qualities of the beans and such :)
I went to Wesleyan, and I graduated with only five semesters on campus in part to keep costs down. So, I appreciate the purpose behind this policy.
However, it doesn't change the fact that tuition is almost $47k/year, which is just a staggering amount of money for most families. And that's before room and board, etc. Forcing someone to cram four years of college into three to save 20% on $240k+ isn't especially helpful.
I messed around in high school and didn't apply to the right schools and scholarships, so I ended up having to pick a reputed private school. In order to make up for it, I did my BS in math in 5 semesters by taking 23 to 27 credits per semester. The extra credits were free since I maintained a very high GPA.
I saved a ton of money on tuition, but if you factor in the opportunity cost of also earning money and experience, shaving a year off of college is easily worth $100k+ if you have to pay anywhere close to sticker price at a private college.
If you have the ability to do it, I highly suggesting graduating as soon as possible. I think England has a better system than America, with the 3 year degree in relevant course material. If I had to do it again, I would get the scholarship, do my Bachelors and do a Masters or maybe even a PhD. With the rising costs, I don't see how 4 year makes sense anymore.
Wow impressive! I agree, Wesleyan is really expensive which I understand it to be a function of "communism in action," in which the school's bulk of annual funds is funded by tuition and re-funneled to financial aid. So you as a full-pay student were really subsidizing a financial aid student like me, so thank you for your help, sir.
Alpha House was really, really good. Even so, I wouldn't sign up for Prime just for Alpha House. If Amazon is serious about it's own content, bundling it with a free 2-day shipping subscription probably doesn't make sense.
Yes, the law applies to any "operator of a commercial Web site or online service that collects personally identifiable information through the Internet about individual consumers residing in California who use or visit its commercial Web site or online service."
