You can invest in commercial real estate for as little as $500
DiversyFund allows you to enter a market previously open to only the 1%.
- Real estate investments are a great way to hedge against stock market volatility.
- Unfortunately, commercial real estate has long been available to only the wealthiest Americans.
- DiversyFund allows you to access high-value private real estate.
Getting started in real estate can be daunting, especially if you're trying to invest in commercial real estate. Plenty of capital and connections are needed for such an endeavor, leaving most Americans out of the loop—and missing out on great opportunities. Thankfully, that's changing.
DiversyFund is an alternative investment platform that was founded to help everyday investors invest in the commercial real estate market. Whether you're interested in exploring different investment opportunities, want to hedge against stock market volatility, or trying to diversify your portfolio, DiversyFund breaks down longstanding barriers by allowing access to everyone for as little as $500!
Here's how it works: DiversyFund buys apartment buildings. They renovate them to increase the property's value, thus resulting in higher rents, and maximizing every building's appreciation. Dividends are distributed monthly but re-invested back into the fund to maximize the highest potential earnings. After about five years, the property is sold, with profits divided up between all stakeholders. You get to decide if you want to cash out or reinvest in the next fund.
Once you've made your investment, you can access DiversyFund's investment offerings on their platform via web or mobile app. Your personal investor portal keeps you up to date with every update on the site so that you can track your return on investment in real-time.
DiversyFund is a vertically integrated company: it sources, co-owns, and manages all assets, which aligns its goals with the investors. Cutting out all middlemen allows DiversyFund to operate efficiently and effectively.
Building generational wealth is a challenge for every American family. While the investment focus remains on the stock market, there are other smart and more diverse ways to invest your money. DiversyFund is leading the way, and it's your opportunity to stay ahead of the curve by investing now.
How imagining the worst case scenario can help calm anxiety.
- Stoicism is the philosophy that nothing about the world is good or bad in itself, and that we have control over both our judgments and our reactions to things.
- It is hardest to control our reactions to the things that come unexpectedly.
- By meditating every day on the "worst case scenario," we can take the sting out of the worst that life can throw our way.
Are you a worrier? Do you imagine nightmare scenarios and then get worked up and anxious about them? Does your mind get caught in a horrible spiral of catastrophizing over even the smallest of things? Worrying, particularly imagining the worst case scenario, seems to be a natural part of being human and comes easily to a lot of us. It's awful, perhaps even dangerous, when we do it.
But, there might just be an ancient wisdom that can help. It involves reframing this attitude for the better, and it comes from Stoicism. It's called "premeditation," and it could be the most useful trick we can learn.
Broadly speaking, Stoicism is the philosophy of choosing your judgments. Stoics believe that there is nothing about the universe that can be called good or bad, valuable or valueless, in itself. It's we who add these values to things. As Shakespeare's Hamlet says, "There is nothing either good or bad, but thinking makes it so." Our minds color the things we encounter as being "good" or "bad," and given that we control our minds, we therefore have control over all of our negative feelings.
Put another way, Stoicism maintains that there's a gap between our experience of an event and our judgment of it. For instance, if someone calls you a smelly goat, you have an opportunity, however small and hard it might be, to pause and ask yourself, "How will I judge this?" What's more, you can even ask, "How will I respond?" We have power over which thoughts we entertain and the final say on our actions. Today, Stoicism has influenced and finds modern expression in the hugely effective "cognitive behavioral therapy."
Helping you practice StoicismCredit: Robyn Beck via Getty Images
One of the principal fathers of ancient Stoicism was the Roman statesmen, Seneca, who argued that the unexpected and unforeseen blows of life are the hardest to take control over. The shock of a misfortune can strip away the power we have to choose our reaction. For instance, being burglarized feels so horrible because we had felt so safe at home. A stomach ache, out of the blue, is harder than a stitch thirty minutes into a run. A sudden bang makes us jump, but a firework makes us smile. Fell swoops hurt more than known hardships.
What could possibly go wrong?
So, how can we resolve this? Seneca suggests a Stoic technique called "premeditatio malorum" or "premeditation." At the start of every day, we ought to take time to indulge our anxious and catastrophizing mind. We should "rehearse in the mind: exile, torture, war, shipwreck." We should meditate on the worst things that could happen: your partner will leave you, your boss will fire you, your house will burn down. Maybe, even, you'll die.
This might sound depressing, but the important thing is that we do not stop there.
Stoicism has influenced and finds modern expression in the hugely effective "cognitive behavioral therapy."
The Stoic also rehearses how they will react to these things as they come up. For instance, another Stoic (and Roman Emperor) Marcus Aurelius asks us to imagine all the mean, rude, selfish, and boorish people we'll come across today. Then, in our heads, we script how we'll respond when we meet them. We can shrug off their meanness, smile at their rudeness, and refuse to be "implicated in what is degrading." Thus prepared, we take control again of our reactions and behavior.
The Stoics cast themselves into the darkest and most desperate of conditions but then realize that they can and will endure. With premeditation, the Stoic is prepared and has the mental vigor necessary to take the blow on the chin and say, "Yep, l can deal with this."
Catastrophizing as a method of mental inoculation
Seneca wrote: "In times of peace, the soldier carries out maneuvers." This is also true of premeditation, which acts as the war room or training ground. The agonizing cut of the unexpected is blunted by preparedness. We can prepare the mind for whatever trials may come, in just the same way we can prepare the body for some endurance activity. The world can throw nothing as bad as that which our minds have already imagined.
Stoicism teaches us to embrace our worrying mind but to embrace it as a kind of inoculation. With a frown over breakfast, try to spend five minutes of your day deliberately catastrophizing. Get your anti-anxiety battle plan ready and then face the world.
A study on charity finds that reminding people how nice it feels to give yields better results than appealing to altruism.
- A study finds asking for donations by appealing to the donor's self-interest may result in more money than appealing to their better nature.
- Those who received an appeal to self-interest were both more likely to give and gave more than those in the control group.
- The effect was most pronounced for those who hadn't given before.
Even the best charities with the longest records of doing great fundraising work have to spend some time making sure that the next donation checks will keep coming in. One way to do this is by showing potential donors all the good things the charity did over the previous year. But there may be a better way.
A new study by researchers in the United States and Australia suggests that appealing to the benefits people will receive themselves after a donation nudges them to donate more money than appealing to the greater good.
How to get people to give away free money
The postcards that were sent to different study subjects. The one on the left highlighted benefits to the self, while the one on the right highlighted benefits to others.List et al. / Nature Human Behaviour
The study, published in Nature Human Behaviour, utilized the Pick.Click.Give program in Alaska. This program allows Alaska residents who qualify for dividends from the Alaska Permanent Fund, a yearly payment ranging from $800 to $2000 in recent years, to donate a portion of it to various in-state non-profit organizations.
The researchers randomly assigned households to either a control group or to receive a postcard in the mail encouraging them to donate a portion of their dividend to charity. That postcard could come in one of two forms, either highlighting the benefits to others or the benefits to themselves.
Those who got the postcard touting self-benefits were 6.6 percent more likely to give than those in the control group and gave 23 percent more on average. Those getting the benefits-to-others postcard were slightly more likely to give than those receiving no postcard, but their donations were no larger.
Additionally, the researchers were able to break the subject list down into a "warm list" of those who had given at least once before in the last two years and a "cold list" of those who had not. Those on the warm list, who were already giving, saw only minor increases in their likelihood to donate after getting a postcard in the mail compared to those on the cold list.
Additionally, the researchers found that warm-list subjects who received the self-interest postcard gave 11 percent more than warm-list subjects in the control group. Amazingly, among cold-list subjects, those who received a self-interest postcard gave 39 percent more.
These are substantial improvements. At the end of the study, the authors point out, "If we had sent the benefits to self message to all households in the state, aggregate contributions would have increased by nearly US$600,000."
To put this into perspective, in 2017 the total donations to the program were roughly $2,700,000.
Is altruism dead?
Are all actions inherently self-interested? Thankfully, no. The study focuses entirely on effective ways to increase charitable donations above levels that currently exist. It doesn't deny that some people are giving out of pure altruism, but rather that an appeal based on self-interest is effective. Plenty of people were giving before this study took place who didn't need a postcard as encouragement. It is also possible that some people donated part of their dividend check to a charity that does not work with Pick.Click.Give and were uncounted here.
It is also important to note that Pick.Click.Give does not provide services but instead gives money to a wide variety of organizations that do. Those organizations operate in fields from animal rescue to job training to public broadcasting. The authors note that it is possible that a more specific appeal to the benefits others will receive from a donation might prove more effective than the generic and all-inclusive "Make Alaska Better For Everyone" appeal that they used.
In an ideal world, charity is its own reward. In ours, it might help to remind somebody how warm and fuzzy they'll feel after donating to your cause.
The 'Monkeydactyl' was a flying reptile that evolved highly specialized adaptations in the Mesozoic Era.
- The 'Monkeydactly', or Kunpengopterus antipollicatus, was a species of pterosaur, a group of flying reptiles that were the first vertebrates to evolve the ability of powered flight.
- In a recent study, a team of researchers used microcomputed tomography scanning to analyze the anatomy of the newly discovered species, finding that it was the first known species to develop opposable thumbs.
- As highly specialized dinosaurs, pterosaurs boasted unusual anatomy that gave them special advantages as aerial predators in the Mesozoic Era.
A newly discovered flying dinosaur nicknamed "Monkeydactyl" is the oldest known creature that evolved opposable thumbs, according to new research published in Current Biology.
The 160-million-year-old reptile is officially named Kunpengopterus antipollicatus. Discovered in China, the dinosaur was a darwinopteran pterosaur, a subgroup of pterosaurs, which first appeared 215 million years ago during the Triassic Period. Pterosaurs, like the pterodactyl, were the first vertebrates to evolve the ability of powered flight.
But unlike other pterosaurs, the Monkeydactyl was the only species in its group known to have opposable thumbs. It's a rare adaptation for non-mammals: The only extant examples are chameleons and some species of tree frogs. (Most birds have at least one opposable digit, though that digit is usually classified as a hallux, not a pollex, which means "thumb" in Latin.)
To analyze the anatomy of K. antipollicatus, an international team of researchers used microcomputed tomography scanning, which generates images of the inside of the body.
"The fingers of 'Monkeydactyl' are tiny and partly embedded in the slab," study co-author Fion Waisum Ma said in a press release. "Thanks to micro-CT scanning, we could see through the rocks, create digital models, and tell how the opposed thumb articulates with the other finger bones."
"This is an interesting discovery. It provides the earliest evidence of a true opposed thumb, and it is from a pterosaur — which wasn't known for having an opposed thumb."
As a tree-dwelling reptile, the Monkeydactyl probably evolved opposable thumbs so it could grasp tree branches, which would have helped it hang, avoid falls, and obtain food. This arboreal (tree-dwelling) locomotion would help the Monkeydactyl adapt to its home ecosystem, the subtropical forests of the Tiaojishan Formation in China during the Jurassic Period.
The researchers noted that the forests of the Tiaojishan Formation were likely warm and humid, thriving with "a rich and complex" diversity of tree-dwelling animals. But while the forests were home to multiple pterosaur species, the Monkeydactyl was likely the only one that was arboreal, spending most of its time in the treetops, while other pterosaurs occupied different levels of the forest.
K. antipollicatus and its phylogenetic position. (A and B) Holotype specimen BPMC 0042 (A) and a schematic skeletal drawing (B). Scale bars, 50 mm.Credit: Zhou et al.
This process — in which competing species manage to coexist by using the environment in different ways — is called "niche partitioning."
"Tiaojishan palaeoforest is home to many organisms, including three genera of darwinopteran pterosaurs," study author Xuanyu Zhou said in the press release. "Our results show that K. antipollicatus has occupied a different niche from Darwinopterus and Wukongopterus, which has likely minimized competition among these pterosaurs."
In general, pterosaurs are a prime example of how animals can evolve remarkably specialized adaptations. As pioneers of vertebrate flight, pterosaurs had strong and lightweight skeletons that ranged widely in size, with some boasting wingspans of more than 30 feet. The largest pterosaurs weighed more than 650 pounds and had jaws twice the length of Tyrannosaurus rex.
Unlike birds, which jump into the air using only their hind limbs, pterosaurs used their exceptionally strong hind limbs and forelimbs to push off the ground and gain enough launch power for flight. That these massive dinosaurs managed to fly, and did so successfully for about 80 million years, has long fascinated and puzzled scientists.The recent discovery shows that pterosaurs developed even more remarkable adaptations than previously thought, suggesting there's still more to learn about the "monsters of the Mesozoic skies."
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