Podcasts about Fastweb

Luciana De Laurentiis"Parole che includono, aziende che si evolvono"Il linguaggio consapevole e inclusivo come motore di coesione e innovazioneParole in Cammino, FirenzeFestival"Smart Working: la seconda stagione"Suggestioni e domande per lavorare in modo più intelligenteFrancoAngeliwww.francoangeli.itCambiare lavoro, capo, azienda, modelli organizzativi, metodi, città, abitudini. Cambiare, per vivere meglio. Ci pensiamo continuamente, ma che cosa facciamo davvero per noi, per influire sul contesto, magari per cambiare il mondo, o almeno quello del lavoro? Questo libro è pensato per coloro che vogliono sperimentare nuovi modi per lavorare, evolvere e vivere diversamente la propria quotidianità; è dedicato a chi sa già di non poter aspettare che il cambiamento arrivi per magia dalle aziende, dalle leggi, dai nuovi scenari. Nella strada che conduce alla ricerca di un nuovo equilibrio, questo libro si fa guidare dalle domande - quelle da porsi e da porre per disegnare un nuovo futuro e diffondere nuovi modelli organizzativi - e dalle suggestioni. 5 Suggestioni per smart worker, per capire che peso dare al networking, alla leadership e al feedback nel lavoro remoto o come sviluppare il personal branding e l'anti-fragilità in un contesto di smart working. 5 Suggestioni per aziende smart, per valutare gli stili manageriali da adottare, come gestire le diverse generazioni, quali soluzioni preferire per creare ambienti di lavoro smart, ridisegnare l'engagement e garantire un sano equilibrio tra connessione digitale, senso di appartenenza e inclusione. 5 Punti di vista esterni, per approfondire stimoli e suggerimenti di professionisti esperti in diverse aree di lavoro flessibile, per cogliere opportunità e sfide che questa modalità di lavoro può offrire. "Smart working" - espressione arcinota e per questo forse anche un po' abusata - non significa semplicemente lavorare da casa, ma scegliere nuovi comportamenti, sviluppare nuove competenze, dimostrare che un altro modo di lavorare è possibile. Perché il tempo del lavoro nuovo è già arrivato!Luciana De LaurentiisAppassionata di parole e persone, è Coach, Formatrice, oggi Head of Corporate Culture & Inclusion in Fastweb. Ama creare connessioni tra idee, progetti e persone. Esperta di comunicazione, comportamenti organizzativi efficaci.IL POSTO DELLE PAROLEascoltare fa pensarewww.ilpostodelleparole.itDiventa un supporter di questo podcast: https://www.spreaker.com/podcast/il-posto-delle-parole--1487855/support.

L'AI Act europeo include un obbligo specifico chiamato ''AI Literacy'': presto tutte le aziende che usano l'intelligenza artificiale dovranno formare in modo sistematico i propri dipendenti sugli impatti e sulle implicazioni tecnologiche, legali ed etiche dell'AI. Non si tratterà soltanto di una formazione ''formale'', ma di percorsi mirati e misurabili, differenziati in base al ruolo e alle responsabilità interne. Organizzazioni di primo piano come IBM, Booking, Generali e Fastweb si stanno già muovendo per anticipare le linee guida UE, sviluppando programmi di formazione sofisticati e individualizzati.Con questa accelerazione normativa, l'Europa punta a creare una reale cultura aziendale basata sulla consapevolezza e sulla responsabilità nell'uso dell'intelligenza artificiale. Senza una preparazione adeguata aumentano i rischi di errori, discriminazioni e decisioni sbagliate nelle organizzazioni.Sarà sufficiente una formazione continua per preparare le aziende e lavoratori al futuro digitale? Parliamone qui sotto nei commenti!~~~~~ INGAGGI E SPONSORSHIP ~~~~~ Per contatti commerciali: sales@matteoflora.comPer consulenze legali: info@42LawFirm.it~~~~~ SOSTIENI IL CANALE! ~~~~~Con la Membership PRO puoi supportare il Canale » https://link.mgpf.it/proSe vuoi qui la mia attrezzatura » https://mgpf.it/attrezzatura~~~~~ SEGUIMI ANCHE ONLINE CON LE NOTIFICHE! ~~~~~» CANALE WHATSAPP » https://link.mgpf.it/wa» CANALE TELEGRAM » https://mgpf.it/tg» CORSO (Gratis) IN FUTURO » https://mgpf.it/nl» NEWSLETTER » https://mgpf.it/nl~~~~~ CIAO INTERNET E MATTEO FLORA ~~~~~ Questo è “Ciao Internet!” la prima e più seguita trasmissione di TECH POLICY in lingua italiana, online su YouTube e in Podcast.Io sono MATTEO FLORA e sono:» Professore in Fondamenti di Sicurezza delle AI e delle SuperIntelligenze (ESE)» Professore ac in Corporate Reputation e Crisis Management (Pavia).Sono un Imprenditore Seriale del digitale e ho fondato:» The Fool » https://thefool.it - La società italiana leader di Customer Insight» The Magician » https://themagician.agency - Atelier di Advocacy e Gestione della Crisi» 42 Law Firm » https://42lf.it - Lo Studio Legale per la Trasformazione Digitale » ...e tante altre qui: https://matteoflora.com/#aziendeSono Future Leader (IVLP) del Dipartimento di Stato USA sotto Amministrazione Obama nel programma “Combating Cybercrime (2012)”.Sono Presidente di PermessoNegato, l'associazione italiana che si occupa di Pornografia Non- Consensuale e Revenge Porn.Conduco in TV “Intelligenze Artificiali” su Mediaset/TgCom.

Prima o poi doveva capitare, dal mese di aprile ci saranno novità importanti per i clienti di Fastweb, l'auspicio è che siano positive, ma non è una certezza. È stata annunciata la data della conferenza degli sviluppatori di Apple, sarà il giorno in cui scopriremo tutte le novità che poi arriveranno sui nuovi iPhone. I governi europei vogliono ribellarsi allo strapotere tech americano, ecco cosa sta succedendo. Ieri, grosso Down di TIM in tutta Italia, ignote le cause. Learn more about your ad choices. Visit megaphone.fm/adchoices

In questa puntata speciale vi proponiamo la registrazione di un intervento svolto a inizio dicembre 2024 e realizzato esclusivamente per le aziende iscritte ai gruppi Hike Up CEO Roundtable, in cui abbiamo approfondito l'introduzione della Direttiva europea sulla cybersicurezza denominata NIS2 e il suo impatto sulle aziende.La NIS2 è una norma europea già entrata in vigore, che sta contribuendo e contribuirà ad elevare il livello di protezione delle aziende europee e italiane dal punto di vista della sicurezza informatica. Rappresenta un cambiamento significativo nel panorama della sicurezza informatica, e per questo abbiamo riunito un panel di esperti di spicco per guidarci attraverso le sue implicazioni.Ecco cosa aspettarti da questa puntata:Le novità introdotte dalla NIS2 e loro influenza  sulle diverse tipologie di aziendeGli obblighi e le responsabilità che le aziende dovranno assumersiLe strategie per adeguarsi alla nuova normativa e rafforzare la propria resilienza informatica.Gli speaker di oggi: Alessandro Manfredini, Corrado Giustozzi, Guido ArrigoniAlessandro Manfredini: Direttore Group Security Cyber Defence di A2A e Presidente dell'Associazione Italiana Professionisti Security Aziendale (AIPSA);Corrado Giustozzi: Founding Partner di Rexilience e divulgatore con oltre trentacinque anni di esperienza nella cybersecurity;Guido Arrigoni: Direttore della Business Unit Compliance di 7Layers, società del gruppo Fastweb specializzata in cybersecurity.Dopo l'ascolto, crea più valoreConosci qualcuno a cui può interessare questa puntata, oppure pensi che possa essere utile alla tua rete di contatti?Se pensi che ti abbia dato valore, condividila: in questo modo aiuterai loro e contribuirai alla crescita di questo progetto. (se scegli la via dei social non dimenticarti di taggarmi, così potrò ringraziarti di persona!)Contatta lo speakerHike Up Conversations è anche un'opportunità per fare rete. Se vuoi metterti in contatto con i nostri speaker di oggi, li trovi qui:Alessandro Manfredini: https://www.linkedin.com/in/manfredini/ Corrado Giustozzi:  https://www.linkedin.com/in/nightgaunt/ Guido Arrigoni: https://www.linkedin.com/in/guido-arrigoni/ 

Paying for college doesn't have to be a financial nightmare!  In this episode we talk about some of the ways to cover the cost without drowning in student loans. Contact Chris: https://heavymetal.money ⁠https://www.facebook.com/MoneyHeavyMetal⁠ https://x.com/MoneyHeavyMetal ⁠https://www.instagram.com/chrisluger⁠ ⁠https://www.tiktok.com/@heavymetalmoney⁠ email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: A Path to Free College for Those Who Serve With The Post-9/11 GI Bill https://heavymetal.money/gibill/ Free Tuition in Minnesota: Unveiling the North Star Promise https://heavymetal.money/northstarpromise/ Pay Less For Two-Year Degrees That Can Make You Bank https://heavymetal.money/twoyeardegree/ High-Paying Trade Jobs and Careers That Don't Require a College Degree https://heavymetal.money/tradejobs/ Econome Session - Chris Corinthian: How to Pay for College Without Student Loans https://youtu.be/4-SR8PN5Jiw?si=6AUGtQ2AOlyZHv52 Scholly has made $30 million in revenues since starting up and supported over 5 million users. The deal with Sallie Mae also has allowed the company to distribute the app for free; it used to cost $2.99 a month. https://www.sallie.com/scholarships/scholly Scholarships Scholarships are the best way to pay for college because they don't need to be repaid. Many scholarships are merit-based (for academics, sports, arts, etc.), but others are awarded for unique skills, interests, or even random qualifications. Where to find them: Fastweb.com, Scholarships.com, and the College Board's Scholarship Search. Local businesses, nonprofits, and religious organizations often offer scholarships. Many schools automatically consider students for merit scholarships upon application. Post 9/11 GI Bill  The Post-9/11 GI Bill offers a substantial list of benefits, making it a wicked-awesome opportunity to obtain low-cost, or perhaps FREE college education! Here's a breakdown of what it covers: Tuition and Fees (Full Coverage at Public Colleges and Universities): If you attend a public college or university, the Post-9/11 GI Bill provides 100% coverage for tuition and mandatory fees. If you attend a private or foreign school, the GI Bill can cover up to $27,120 per year (as of 2024). If your chosen school exceeds this amount, you may still receive additional funding through the Yellow Ribbon Program, which will be explained in more detail below. Housing Allowance (BAH – Basic Allowance for Housing): While enrolled in school, you receive a monthly housing allowance based on the local cost of living. If you're taking online-only courses, you'll still receive some money for housing, but it's approximately half of the full-time student rate. Money for Books and Supplies: You're allocated up to $1,000 per year to cover textbooks and school supplies. This money is directly deposited into your account, allowing you to purchase the necessary materials for your classes. Job Training and Certification Programs: The GI Bill doesn't limit its benefits to traditional colleges. It can also cover vocational schools, technical training, apprenticeships, and even flight school. visit the VA's website (www.va.gov/education/) for the most up-to-date information. Grants Like scholarships, grants are free money that does not need to be repaid. Most grants are based on financial need. Key Grant Programs: Pell Grant – Up to $7,395 per year (2024-25) for low-income students. Federal Supplemental Educational Opportunity Grant (FSEOG) – Additional aid for low-income students. State Grants – Many states offer their own need-based grants. Institutional Grants – Colleges may provide their own grants based on financial need or special circumstances. How to apply: Fill out the FAFSA (Free Application for Federal Student Aid) as early as possible. Work-Study The Federal Work-Study Program provides part-time jobs for students to help pay for tuition and living expenses. Jobs are often on-campus and flexible with class schedules. Unlike a regular job, work-study earnings don't count against your FAFSA financial aid eligibility. How to apply: Check the FAFSA box that asks about work-study interest. Employer Tuition Assistance (Let Your Boss Pay) Many companies offer tuition reimbursement for employees pursuing higher education. Programs vary but can cover $5,250 per year (tax-free) or more. Some companies that offer tuition assistance: Amazon's Career Choice Program Starbucks College Achievement Plan UPS Earn & Learn Program Walmart Live Better U How to apply: Ask your employer's HR department about tuition benefits. 529 College Savings Plans (Tax-Advantaged Savings) A 529 Plan is a tax-advantaged investment account for education expenses. Money grows tax-free if used for qualified education expenses. Some states offer tax deductions or credits for contributions. How to start: Open an account through your state's 529 plan website or a financial institution.

In questa puntata, facciamo una panoramica sui temi che hanno definito l'anno appena concluso e quelli che ci attendono nei mesi a venire. Affrontiamo la rivoluzione dell'obbligo della USB-C, simbolo di un cambiamento epocale per la tecnologia consumer, e approfondiamo le sfide legate alla privacy digitale con il controverso Chat Control. Parliamo anche del ritorno di Donald Trump alla presidenza degli Stati Uniti e del suo impatto sul settore tecnologico, del ruolo crescente dell'intelligenza artificiale nella creatività e nel lavoro e delle battute d'arresto della guida autonoma. Tutto questo con l'obiettivo di porre le basi per le puntate di questo nuovo 2025.Nella sezione delle notizie parliamo di un furto di dati di milioni di utenti, subito da InfoCert, della fusione di Fastweb e Vodafone e infine del nuovo drone Mars Chopper per esplorare ancora più a fondo Marte.--Indice--00:00 - Introduzione01:00 - Dati di milioni di utenti rubati a InfoCert (DDay.it, Luca Martinelli)02:24 - Nasce il nuovo operatore Fastweb + Vodafone (HDBlog.it, Matteo Gallo)03:25 - Il nuovo drone Mars Chopper per esplorare Marte (Jpl.Nasa.org, Davide Fasoli)04:53 - Cosa aspettarsi dal 2025 (Davide Fasoli)17:51 - Conclusione--Contatti--• www.dentrolatecnologia.it• Instagram (@dentrolatecnologia)• Telegram (@dentrolatecnologia)• YouTube (@dentrolatecnologia)• redazione@dentrolatecnologia.it--Immagini--• Foto copertina: Wirestock su Freepik--Brani--• Ecstasy by Rabbit Theft• Gang by jiglr

Getting a college degree can substantially increase your lifetime earnings, but even better is getting someone else to pay for it.I'm talking about scholarships, of course. Every year, public and private institutions dole out about $8 billion in scholarships. Are you getting any of it? I'll talk about how you can.The Rising Cost of CollegeNo question about it: college is expensive. The College Board reports that in 2024, in-state students at public four-year schools are spending an average of $11,260 on tuition and fees for just one year, excluding room and board. Students at private, four-year colleges are spending over $41,500 on tuition and fees alone. With these expenses, it's not surprising that the average student owes close to $30,000 when leaving school. But you don't have to be the average student.Scholarships: Your Key to AffordabilityMany organizations are willing to help you pay for college through scholarships…if you meet their qualifications. Our own Rob West's wife Julie had her own “application assembly line” going, and she was able to land $170,000 in scholarship money. Of course, that took a lot of work…but look at it this way: you can either put in the time and effort now applying for scholarships, or you can borrow and work very hard later to pay back the money. We hope that you'd rather do the work now, so let's dive into some great resources for scholarship money.Top Scholarship ResourcesFastweb: They host more than 1.5 million scholarships totaling nearly $3.5 billion. To get started, create a profile at FastWeb.com. A search feature helps match you to scholarships that meet your individual needs and keeps track of where you've applied.College Board: Known for testing materials like the SATs, the College Board also helps you pay for college. On their site, you can apply for scholarships and internships. They have leads to about 2,200 programs offering nearly $6 billion in college aid every year.Niche.com: This site helps you find not only money but also colleges that cater to your specific major and interests.Scholarships.com: They have a massive database with over 3.5 million scholarship and grant opportunities totaling almost $20 billion. Browse by category or set up a profile to find scholarships specific to your interests.Appily (formerly Cappex): They offer leads on $11 billion in scholarship opportunities and have a tool to help you calculate the odds of getting into a school of your choice before you apply.Chegg: Best known as an online textbook store, Chegg also has great articles about finding and applying for scholarships and grants. Knowing the difference between scholarships and grants could help you land one.Specialized ScholarshipsMany of these scholarship opportunities are merit-based, meaning the higher your grades, the better your chances of landing one. But if you're more athletically inclined, Unigo lets you search for athletic scholarships and a wide variety of funding opportunities offered by specific schools and companies.Peterson's: Known as a clearinghouse for information about colleges and universities, they also host about $10 billion in scholarship opportunities.CareerOneStop: Sponsored by the Labor Department, this site allows you to search more than 8,000 scholarships, fellowships, and grants—money you won't have to pay back.Final TipsOne final idea: check with the financial aid office at the schools you apply to. Sometimes, they have scholarship money available too. We've covered a lot of scholarship sites, and you probably won't use all of them, but try at least a couple. Look for ones that are easy to work with or best match your needs. Many of them will have other features you might find handy.Good luck in your scholarship search!On Today's Program, Rob Answers Listener Questions:We'd like to start something where we can put some money into an online bank to earn some interest. What would you suggest? My online savings account was compromised, and unauthorized wire transfers were made from it. I'm concerned about how to protect myself, as I didn't receive alerts about the transfers. Do you have any recommendations for securing online accounts and preventing fraud?I'm trying to help my mom, who is 81 years old, invest her money correctly. After selling some rental properties, she has about $500,000 in cash and another $500,000 in IRAs and other accounts. What questions should I ask when interviewing potential financial advisors to manage her money in a way that aligns with her values and needs as an 81-year-old widow?Resources Mentioned:1Password | LastPassBankrate.com | DepositAccounts.comRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

C'è una ragione ben precisa per cui meta ha deciso di non portare la sua intelligenza artificiale in Europa. Fastweb lancia il Wi-Fi Calling sulle sue reti, ecco con quali telefoni funziona. Google ancora al centro del mirino in Europa e, in particolare, in Italia. Learn more about your ad choices. Visit megaphone.fm/adchoices

Come si evoluta l'analisi del sentiment e come viene usata negli eventi, cos'è l'AI washing ed il lancio del supercomputer e LLM tutto italiano.

È stato finalmente lanciato con successo il razzo europeo Ariane 6. Con Luigi Bignami, giornalista scientifico esperto di Spazio, vediamo quali sono le caratteristiche di questo razzo confrontandole con le versioni precedenti di Ariane e con il concorrente di Space X, qual è la sua missione nello Spazio e cosa è andato storto nel lancio.Acceso a Bergamo il super computer Fastweb per addestrare un modello di intelligenza artificiale generativa nativamente italiano. “Abbiamo scelto di stare a Bergamo, in Italia, perché l’intelligenza artificiale ha a che fare con dati sensibili e strategici che è importante che restino qui”. Così Walter Renna, Ceo di Fastweb, ha presentato l’infrastruttura informatica. “Dagli Stati Uniti arrivano modelli di grandissime dimensioni che hanno consumi energetici enormi. Vogliamo creare dei modelli di piccole dimensioni ma con dati di qualità, questo ci permette di avere prestazioni simili ma con efficienza molto più elevata”.La Rai ha annunciato che alla fine di agosto alcuni canali passeranno alla nuova tecnologia DVB-T2. Abbiamo chiesto a Gianfranco Giardina, direttore del magazine digitale Dday.it, quali sono i canali interessati da queste novità, quali conseguenze potrebbero coinvolgere altri canali e come capire quali sono i TV interessati da queste modifiche.Parliamo di nuove applicazioni e strumenti digitali di scansione delle immagini applicate ai beni culturali con Luca Ponzio, fondatore e amministratore delegato di Haltadefinizione, azienda specializzata nell’acquisizione di immagini di alta qualità di opere d’arte.E come sempre, Digital News, le notizie di tecnologia e innovazione più importanti della settimana.

Mercoledì 10 luglio sembrava lontanissimo e invece il giorno di Galaxy Unpacked è arrivato velocissimo, oggi tutte le risposte alle ultime domande rimaste. Fisker tenta il salvataggio dell'azienda di auto elettriche in crisi ormai da tempo. Sarà a Bergamo il super computer dell'AI Italiana di Fastweb. Sponsored by Samsung. Learn more about your ad choices. Visit megaphone.fm/adchoices

Nel secondo turno delle elezioni legislative francesi la sinistra del Nuovo Fronte Popolare (NFP) si è affermata come prima coalizione, seguita dal blocco centrista Ensemble del presidente Emmanuel Macron e dall'estrema destra del Rassemblement National di Marine Le Pen. Sono stati smentiti i sondaggi della vigilia, che indicavano la formazione di destra come primo partito. NFP ha ottenuto 193 seggi, Ensemble 163 e RN 126. Nessuno ha raggiunto la maggioranza assoluta di 289 seggi, necessaria per formare un governo. L'affluenza è stata del 67,5% (nel 2022 si era fermata al 46,23%), mai così alta dal 1981. Il primo effetto delle elezioni è stato l'annuncio di dimissioni da parte del Primo ministro Gabriel Attal, a cui però il Presidente Macron ha chiesto di rimanere al suo posto di primo ministro "per il momento", allo scopo di "assicurare la stabilità del Paese". Il leader de La France Insoumise, Jean-Luc Mélenchon, ha invitato Macron a nominare un nuovo Primo ministro del Fronte Popolare. Da oggi si aprono le trattative per la nascita di un governo. Trattative che verranno tenute sotto controllo anche dei mercati che guardano alla Francia anche per capire l'orientamento della secondo economia continentale in merito di politica fiscale e debito pubblico. Ne parliamo con Riccardo Sorrentino, Il Sole 24 Ore.Autotrasporto, tra mare monti le difficoltà si moltiplicanoNon solo i valichi, preoccupano anche l' autostrada del mare. Le imprese sarde che effettuano trasporti da e per la Penisola, movimentando via nave l'80% delle merci, sono preoccupate dai costi aggiuntivi imposti dalle compagnie di navigazione per imbarcare e traghettare i mezzi, i cosiddetti "noli marittimi", che condizionano pesantemente i bilanci di gestione di tutte le realtà del settore. "Infatti, da lunedì 1 luglio viene applicato un ulteriore aumento per il traghettamento dei veicoli che vanno anche ben oltre i 120 euro a mezzo", sostiene la Confartigianato Sardegna secondo la quale "con l'aumento di luglio continua l'irrefrenabile crescita delle tariffe che già nel periodo gennaio 2019/gennaio 2024 ha fatto registrare un incremento di circa il 70%". Preoccupata per la situazione, l'associazione, insieme ad altre sigle nazionali del settore riunite in Unatras, ha scritto al ministro delle Infrastrutture e dei Trasporti, Matteo Salvini, chiedendo di "adoperarsi con il governo per intervenire urgentemente e scongiurare, in primo luogo, eventuali speculazioni. Il ministro Salvini ha raccolto le preoccupazioni anche di chi, invece, deve trasportare le merci oltre le Alpi. Dopo che la società che gestisce anche il tratto austriaco della Brennerautobahn (A13), Asfinag, ha reso noto l'intenzione di limitare dal gennaio 2025, e per non meno di tre anni, ad una sola corsia per senso di marcia il transito sull'autostrada per lavori di sicurezza, le associazioni degli autotrasportatori si sono appellate al ministro delle Infrastrutture e dei Trasporti. Il Governo italiano su spinta proprio del ministro Salvini nei mesi scorsi ha chiesto alla Commissione europea di procedere con l'infrazione nei confronti dell'Austria a seguito dei divieti imposti ai mezzi pesanti. La nuova problematica rischia, pero', di paralizzare il traffico, non solo quello pesante, attraverso il passo del Brennero. Approfondiamo il tema con Pasquale Russo, Presidente di Conftransporto e con Massimo Masotti, Presidente della sezione Trasporti Internazionali di ANITA.Fastweb accende il Supercomputer per l'IAFastweb apre la via all'Intelligenza Artificiale in Italia e accende NeXXt AI Factory, il primo e più potente supercomputer, di un'azienda privata ma a disposizione anche del pubblico, AI NVIDIA DGX SuperPOD dedicato all'Intelligenza artificiale generativa in Italia. Si dedicherà a sviluppare MIIA (Modello Italiano Intelligenza Artificiale) a disposizione di startup, aziende, università e pubbliche amministrazioni. "I dati vengono custoditi in Italia e messi al sicuro, qualcosa di unico con prestazioni elevatissime" spiega l'ad di Fastweb Walter Renna. Fastweb, per accendere il suo Supercomputer dedicato all'intelligenza artificiale ha stretto accordi per ampliare il dataset per le ulteriori fasi di addestramento del proprio LLM - MIIA (Modello Italiano Intelligenza Artificiale) con Bignami Editori, Istat (Istituto Nazionale di Statistica) e il gruppo Mondadori. Questi accordi, spiega una nota, hanno creato il più grande e affidabile dataset in lingua italiana, con 1.500 miliardi di token, equivalenti a 11 milioni di libri. Ne parliamo con Enrico Pagliarini, Radio24.

Nel contesto di crisi che stanno vivendo gli operatori di telefonia in Italia, un'ancora di salvezza potrebbe essere rappresentata dai servizi digitali ad alto valore aggiunto. Ma cosa sono questi servizi? E come potrebbero essere proposti da un operatore ai clienti e - soprattutto - alle aziende? Ne parliamo con Walter Renna, amministratore delegato di Fastweb.

Nel contesto di crisi che stanno vivendo gli operatori di telefonia in Italia, un'ancora di salvezza potrebbe essere rappresentata dai servizi digitali ad alto valore aggiunto. Ma cosa sono questi servizi? E come potrebbero essere proposti da un operatore ai clienti e - soprattutto - alle aziende? Ne parliamo con Walter Renna, amministratore delegato di Fastweb.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2743: Miranda Marquit of GoodFinancialCents.com presents three actionable steps for financing your college education effectively. This guide explores options from scholarships and grants to federal and private student loans, helping students navigate the complexities of funding higher education amidst rising costs. Read along with the original article(s) here: https://www.goodfinancialcents.com/paying-for-college-financing-priorities/ Quotes to ponder: "Your first efforts should be geared toward getting free money to help you pay for college." "Before you go to a bank, it might be worth it to check the terms you can get with peer-to-peer lending." "Finding financing for college isn't always easy and it can be expensive." Episode references: FastWeb: https://www.fastweb.com/ Tuition U: https://planning.colleging.com/cu/tuition-u-direct FAFSA - Free Application for Federal Student Aid: https://studentaid.gov/h/apply-for-aid/fafsa Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2743: Miranda Marquit of GoodFinancialCents.com presents three actionable steps for financing your college education effectively. This guide explores options from scholarships and grants to federal and private student loans, helping students navigate the complexities of funding higher education amidst rising costs. Read along with the original article(s) here: https://www.goodfinancialcents.com/paying-for-college-financing-priorities/ Quotes to ponder: "Your first efforts should be geared toward getting free money to help you pay for college." "Before you go to a bank, it might be worth it to check the terms you can get with peer-to-peer lending." "Finding financing for college isn't always easy and it can be expensive." Episode references: FastWeb: https://www.fastweb.com/ Tuition U: https://planning.colleging.com/cu/tuition-u-direct FAFSA - Free Application for Federal Student Aid: https://studentaid.gov/h/apply-for-aid/fafsa Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2743: Miranda Marquit of GoodFinancialCents.com presents three actionable steps for financing your college education effectively. This guide explores options from scholarships and grants to federal and private student loans, helping students navigate the complexities of funding higher education amidst rising costs. Read along with the original article(s) here: https://www.goodfinancialcents.com/paying-for-college-financing-priorities/ Quotes to ponder: "Your first efforts should be geared toward getting free money to help you pay for college." "Before you go to a bank, it might be worth it to check the terms you can get with peer-to-peer lending." "Finding financing for college isn't always easy and it can be expensive." Episode references: FastWeb: https://www.fastweb.com/ Tuition U: https://planning.colleging.com/cu/tuition-u-direct FAFSA - Free Application for Federal Student Aid: https://studentaid.gov/h/apply-for-aid/fafsa Learn more about your ad choices. Visit megaphone.fm/adchoices

Continua la nostra serie di interviste con gli operatori del settore in vista della fine della maggior tutela per le utenze dell’elettricità, prevista per il 1° luglio. Interviene Walter Renna, Ad di Fastweb.

Durante la AI WEEk 2024 il nostro Nicolas Capasso ha intervistato Walter Renna di FASTWEB.Scopriamo insieme le sue emozioni in tempo reale! www.aiweek.it

Conosci con noi i protagonisti Sponsor e Speaker della AI WEEK 2024 in questa Tavola Rotonda. Con Giacinto Fiore di AI WEEK nelle vesti di moderatore ci sarà Domenico Impelliccieri di Fastweb, Alessandro Monico di Expert.ai, Roberto Morandi di Dell Technologies e Luca Ricci di ByTek.----Ci vediamo alla AI WEEK 2024 a Rimini il 9 e 10 Aprile 2024 presso il Palacongressi di Rimini. Info su www.aiweek.it

Settimana scorsa la conferma: Swisscom rileva Vodafone Italia per 8 miliardi di euro e rafforza le sue attività nella Penisola dove già possiede Fastweb e dove diventerà il secondo operatore nel campo delle telecomunicazioni, dietro solo a TIM, vale a dire a Telecom Italia. L'acquisizione ha fatto e farà discutere non solo perché è la più importante mai conclusa da Swisscom all'estero o perché il mercato italiano della telefonia è considerato il più competitivo e rischioso d'Europa, ma anche e forse soprattutto perché ripropone, in campo politico, un paio di domande non nuove: se Swisscom per crescere deve prendere rischi all'estero, bisogna privatizzarla? Se Swisscom per garantire il servizio universale in Svizzera deve restare in mano pubblica, bisogna impedirle di prendere rischi all'estero? Nei discutiamo con due consiglieri nazionali:Paolo Pamini, UDCMartin Candinas, Alleanza del CentroE con: Andrea Biondi, giornalista de Il Sole 24 Ore

Le prime pagine dei principali quotidiani nazionali commentate in rassegna stampa da Davide Giacalone Il vertice a Berlino, Fastweb compra Vodafone, Medio Oriente e economia. Per lo spazio Donna Moderna, e intervenuta Donatella Gianforma, caporedattrice di Donna Moderna, per parlarci della giornata contro i disturbi alimentarti. Fino al 1° settembre 2024, le Gallerie d'Italia Torino, il prestigioso polo espositivo di Intesa Sanpaolo in Piazza San Carlo, ospitano la mostra Cristina Mittermeier. La grande saggezza, realizzata con National Geographic, a cura di Lauren Johnston. Cristina ha così deciso di abbandonare la biologia per diventare una voce per l'oceano, raccontando la sua storia attraverso una fotocamera. Nel 2014, ha cofondato Sea Legacy insieme a Paul Nicklen, un'associazione che riunisce registi, fotografi e scrittori internazionali per sensibilizzare sulla difesa degli oceani e sulla loro importanza per la vita sul pianeta.L'esposizione presso le Gallerie d'Italia Torino, in collaborazione con National Geographic, affronta ancora una volta i temi ambientali legati agli obiettivi ESG (Ambientali, Sociali e di Governance), evidenziando la fragilità del nostro ecosistema e l'importanza della sua protezione. Ne abbiamo parlato con Dott. Michele Coppola, Executive Director Arte Cultura e Beni Storici di Intesa Sanpaolo e Direttore Gallerie d'Italia. All'interno di Non Stop News, con Barbara Sala, Luigi Santarelli e Alessia Manzoni.

Dopo le anticipazioni delle settimane scorse ora è ufficiale: Fastweb compra Vodafone. Grossi timori ritorsioni del governo cinese dopo l'affondo americano su TikTok. Neil Young ci ripensa, torna su Spotify. Learn more about your ad choices. Visit megaphone.fm/adchoices

Wall Street y Nasdaq extienden en el comienzo de la sesión las pérdidas de la víspera. La producción industrial de EEUU aumenta un 0,1% en febrero, mejor de lo previsto. Aguantan en positivo las bolsas europeas. Avances moderadas en ellas con la fortaleza del sector de las telecomunicaciones. El índice STOXX puede terminar con su octava subida semanal consecutiva. BofA estima una caída de alrededor del 15% en el cuarto trimestre para este indicador, que actualmente sube más del 6% en lo que va de año. También un rendimiento inferior del 15% para los valores cíclicos frente a los defensivos. Los sólidos datos de los precios de producción estadounidenses de ayer atenuaron las expectativas de un recorte de los tipos de interés en junio. El índice inmobiliario, sensible a los tipos, lidera las pérdidas con un descenso del 1,2%. Las acciones de Swisscom ganan un 2,6% después de que la empresa de telecomunicaciones dijera que va a comprar Vodafone Italia por 8.000 millones de euros y fusionar el negocio con su filial italiana Fastweb. Las acciones de Vodafone se revalorizan un 4%. Los títulos de Vonovia caen un 5,5% después de que el mayor arrendador de Alemania registrara las mayores pérdidas de su historia en 2023, debido a nuevas depreciaciones del valor de sus propiedades.

Se ne parlava da tempo, ora è ufficiale. Swisscom ha raggiunto un'intesa con Gruppo Vodafone Plc per acquisire il 100% di Vodafone Italia per la cifra di 8 miliardi di euro con corrispettivo della transazione in contanti e completamente finanziato a debito. Il passo successivo sarà l'integrazione con Fastweb, affiliata di Swisscom in Italia. Ad annunciarlo sono due note di Swisscom e Vodafone, in cui si specifica che il closing dell'operazione è previsto nel primo trimestre del 2025. Dalla fusione siprevedono sinergie per circa 600 milioni.

Con un comunicato ufficiale, confermate le indiscrezioni di stampa. Sky Mobile annuncia i piani tariffari. Scoppia la guerra dell'AI, l'Unione Europea indaga su Microsoft e Mistral. OPPO pronta a tornare alla grande in Europa. Learn more about your ad choices. Visit megaphone.fm/adchoices

PALERMO (ITALPRESS) - "La Sicilia è un crocevia di strutture di telecomunicazioni: lo sviluppo è ampiamente sufficiente, ma stiamo continuando a incrementare le infrastrutture sia terrestri che aeree e con l'acquisizione di Vodafone avremo una copertura pressoché totale". Lo ha dichiarato Fabio Cesari, responsabile commerciale dei servizi di Fastweb Italia, a margine dell'ultima tappa di OpNet Wholesale Castle Tour, che ha visto all'hotel Villa Igiea di Palermo confrontarsi gli operatori locali e gli esponenti delle telecomunicazioni nazionali e internazionali. xd8/vbo/gtr

PALERMO (ITALPRESS) - "La Sicilia è un crocevia di strutture di telecomunicazioni: lo sviluppo è ampiamente sufficiente, ma stiamo continuando a incrementare le infrastrutture sia terrestri che aeree e con l'acquisizione di Vodafone avremo una copertura pressoché totale". Lo ha dichiarato Fabio Cesari, responsabile commerciale dei servizi di Fastweb Italia, a margine dell'ultima tappa di OpNet Wholesale Castle Tour, che ha visto all'hotel Villa Igiea di Palermo confrontarsi gli operatori locali e gli esponenti delle telecomunicazioni nazionali e internazionali. xd8/vbo/gtr

Fiorenza Sarzanini spiega la sospensione per 11 mesi del generale (in seguito alla pubblicazione del suo libro), che arriva dopo l'apertura dell'inchiesta per peculato e truffa. Marilisa Palumbo racconta delle primarie in Michigan, vinte dal presidente Usa, che però deve fare i conti col voto di protesta della comunità araba. Nicola Saldutti elenca e analizza le conseguenze dell'acquisizione delle attività italiane dell'operatore telefonico.I link di corriere.it:Il generale Vannacci sospeso dall'incarico per 11 mesi: «Carenza di senso della responsabilità»Trump e Biden vincono le primarie in Michigan. Ma crescono i voti di protesta della comunità arabaFastweb e Vodafone verso la fusione in Italia: un gruppo da 9.000 dipendenti, con il «nodo» del mobile

La Sicilia è ultima in Italia per incidenza del settore industriale sul totale del valore aggiunto della regione con un 13,1% persino dopo la piccola Calabria. Soffre anche per attrattività di investimenti diretti esteri, come altre regioni del Mezzogiorno. A ciò si aggiunge la condizione infrastrutturale dell'Isola e in particolare delle aree industriali dove è ormai urgente intervenire per fissare, in alcuni casi, le condizioni minime di vivibilità.Per questa ragione assume un'importanza centrale Piano industriale della Sicilia, presentato questa settimana nell'ambito della seconda edizione dell Act Tank Sicilia, il forum, organizzato da The European House - Ambrosetti e dalla Regione Siciliana.Ci colleghiamo con Pio Parma, Senior Consultant e coordinatore dell'iniziativa Act Tank Sicilia - The European House - Ambrosetti.Tlc: Swisscom (Fastweb) annuncia l'acquisizione di Vodafone ItaliaSwisscom (Fastweb) ha annunciato l'acquisizione di Vodafone Italia. La transazione, che dovrebbe concludersi entro la fine del 2024, creerà il primo operatore Ftth (Fiber to the Home, cioè fibra fino a casa) in Italia con una quota di mercato del 36%.In mattinata anche Vodafone Group ha emesso un comunicato per confermare le trattative esclusive I due gruppi hanno trovato un accordo sul prezzo di acquisto in via preliminare di 8 miliardi di euro in contanti e senza debiti. La prevista fusione tra Vodafone Italia e Fastweb unirebbe infrastrutture mobili e fisse, creando un gruppo leader basato sulla convergenza dei business. Ne parliamo con Andrea Biondi de Il Sole 24 Ore.Cina, lo spettro di un nuovo fallimento immobiliare. Chiesta la liquidazione per Country GardenIn Cina, dopo Evergrande, anche Country Garden - l'altro colosso malato del mattone - è sempre più nei guai. Il gigante immobiliare ha ricevuto una richiesta di liquidazione da parte di uno dei suoi creditori. L'istanza, presentata all'Alta Corte di Hong Kong da Ever Credit Limited, riguarda il mancato pagamento di un prestito di 1,6 miliardi di dollari di Hong Kong (190 milioni di euro). La data della prima udienza è stata fissata per il 17 maggio e la società ha già dichiarato che si opporrà a tale mossa con fermezza. La società il mese scorso ha messo in vendita una serie di hotel, uffici e altre proprietà nella città di Canton per raccogliere fino all'equivalente di circa 490 milioni di euro. Ma la bolla immobiliare sembra essere solo una delle spie di un Paese in seria difficolta. Ascoltiamo le analisi di Fabio Scacciavillani, economista, editorialista Il Sole24 Ore.

Arriva a breve l'operatore mobile virtuale, che si basa su rete Fastweb. Clamoroso blocco dei servizi negli Stati Uniti: ecco cosa è successo. Xiaomi ha lanciato il suo nuovo top phone. Learn more about your ad choices. Visit megaphone.fm/adchoices

Nel nuovo risiko delle telecomunicazioni si muove con grande attivismo anche la svizzera Swisscom, che in Italia controlla Fastweb. L'amministratore delegato della azienda milanese, Walter Renna, in una intervista a Ceo Talks, definisce le ipotesi di mercato solo rumors al momento , ma non nasconde che il mercato italiano sia troppo competitivo e richieda concentrazione. Sul futuro della rete TIM, Walter Renna non esclude che Fastweb investirà in Netco, la nuova societa' in via di acquisizione da parte di KKR.

Sky Mobile arriva in Italia: cosa cambia nel mercato delle telecomunicazioni? Quali sono le novità, le sfide e le reazioni degli altri operatori. Come Apple potrebbe inserirsi in questa sfida?Dimmi la tua su Twitter, su Threads, su Telegram, su Mastodon, su BlueSky o su Instagram.Mail jacoporeale@yahoo.it Scopri dove ascoltare il podcast e lascia una recensione su Apple Podcast o Spotify.Ascolta An iPad guy su YouTube Podcast.Sostieni i miei progetti su PayPal.

Do you know how to search for scholarships? 'll never forget the day I got an email from a parent in a state of shock over college price tags. I could sense the panic in her words. She had no idea how much college cost, and more importantly how they were going to pay for it! Today we are going to talk about when and how you can start searching for scholarships and navigate college expenses and how to pay for them. You can find links referenced in the podcast below.Fastweb: https://www.fastweb.com/ College Board Opportunity Scholarship: https://bigfuture.collegeboard.org/pay-for-college/bigfuture-scholarshipsCappex: https://www.appily.com/scholarships FAFSA: https://studentaid.gov/h/apply-for-aid/fafsaCSS Profile: https://cssprofile.collegeboard.org/This show is for the confused college applicant and family to learn simple and effective strategies to help you find the BEST college for your student while having positive conversations. This will turn you into the College Ready applicant and family so you can be confident with your next steps and your choice of college!You can also download our free guide on How to Start or Expand Your College Search here.  You can also follow me on social media at Confused to College Ready.I'm Courtney Kountz and I'm looking forward to serving you and your student!

College advisor Andy Lockwood interviews scholarship search expert Jean O'Toole of Connections101.com on the facts, myths and urban legends surrounding scholarships. Topics included: What's the deal with those weirdo, gimmicky, obscure or just plain wack-a-doo special scholarships that everyone talks about? Which scholarship search websites are actually worth spending time on? How to sniff out a scholarship scam and avoid getting ripped off The best time to start your search for scholarships (this will surprise you) The oddball reason corporations need you to take their scholarship money How to win a scholarship for an "Invisible Disability" A ninja way to "raid" high school scholarships -- Pretty sneaky, sis! Are there really scholarships for families who don't qualify for financial aid? The biggest mistake families make in the scholarship search process More! To contact Jean, visit Connections101.com To contact Andy Lockwood, go to LockwoodCollegePrep.com, email vip@lockwoodcollegeprep.com or call 516-882-546 ALSO: SHOW NOTES Andy Lockwood (00:03): All right. We are live. This is a really special, special session. This is gonna be a video that we send out not just to hear this is for, primarily for the students enrolled in our summer, get college ready applications and SA bootcamp. But the topic is so important that I wanna share this with many, many other people. So what we're talking about tonight is money. And I, I spent a lot of time, you know, and, and, and so does Pearl in our business, helping figure out how to get more money from colleges, whether that's merit aid from schools or need-based aid. We're doing a lot of stuff with loans. And one of the areas that I have never focused on other than to just dump everything on my guests here tonight, , is, are, are the outside scholarships, you know, the scholarships that come from other sources that are not the college, that itself. So and that's Jean O'Toole (01:14): All I focus on . Andy Lockwood (01:16): Yeah. And you laser focused on that. Yes. So, I wanna introduce everyone tonight and anyone listening in perpetuity to Ms. Jean O'Toole from Connections one oh one.com. Jean, thank you for doing this for us. Jean O'Toole (01:31): Andy, I love having these conversations with you, and I'm excited to, you know, talk about scholarships tonight. So let's do it. Andy Lockwood (01:38): All right. So let's just talk briefly about who you are, and how you got into this. Other than, you know, you being an author of a, of a great book: Scholarships Strategies Finding and Winning the Money You Need, you have very interesting background in, in my opinion, in terms of who you used to talk to when you went around the country, and then how you got into this type of niche. Jean O'Toole (02:05): Yeah, we we don't always know the, the path that we're gonna actually find ourselves in and, and how we're gonna, you know, serve in the world. But I was, I was traveling around the country with a great organization about 15 years ago called Make an Account. And I was, you know, taught, having a lot of conversations with students, and it was I was doing assemblies at high schools and colleges, and it didn't matter if I was on the East coast or the West coast, or I was a featured speaker at a private school or a public school. The conversations off stage with students always seemed to land at some point around a concern over the cost of college. And even though at that, you know, I was, I was, you know, I, we were talking about different strategies for, you know, moving forward in life, I was like, okay, you know, there's something here that, that needs some attention. (03:11): And so, I had a really unique opportunity that at that point, I mean, I was, I, I was speaking to tens of thousands of students a year. I was visiting hundred of high schools every year. And so I had a lot of resources in terms of people that I was meeting contacts and also their, their libraries, their resources, right? And, I just started digging in to tap into, you know, all of this, you know, all, all of this, this research that around whatever scholarship research these particular counselors had. And I said, okay, everyone seems to kind of have just a little bit. And it inspired me to wanna find out what is it that everyone is missing? And pretty clear it was, there was, there was this huge gap around private scholarships, scholarships from companies, organizations, foundations and the reason why this gap was there, and I'll tell you, Andy, I I think you, you, you, you know this too from all the, the conversations you're having on a day-to-day basis, the gap is still there. (04:28): Because what happens is that everyone is so focused on the getting into college, and, and thank goodness they have you and your team and, and help them show the way, but they're so focused on, on getting into college, then the, you know, the big monstrous, you know, task of navigating the financial aid process, which, again, so glad that your team is there to support them, but this, this piece of private scholarships seems to get lost as far as priority. And so, you know there wasn't a lot of information that was getting filtered down to students and, and parents. And I just saw that as a need. I started diving in, that was 15 years ago. And since then, I've, I've, you know, met 150,000 kids across the country. I've helped students win up to $200,000 in money. And I love it. I love helping people just become aware of this other source of money and how to actually go after it. Andy Lockwood (05:28): Well, I can tell you professionally because of the people I've referred to you as well as personally, because I had two of my four kids work with you, that you truly are an expert, and you're, you're clearly effective and you love what you're doing, and that comes through. So, all right. So, there's a, I have a bunch of questions, but I also want to open up the floor to anyone who's joining us live right now. If you guys have any scholarship related questions, throw them in the chat and I'll, I'll ask Jean that once, once we go through with my agenda . Jean O'Toole (06:02): So bring on the questions. Yeah, let's go. Let's Andy Lockwood (06:05): Not money's, yeah, we're not, we're not quite going the lightning round yet, but I'm, I'm gonna get there, I promise. So you know, one of the things about, you know, as you described, the, the process of, of, of looking for money is that people are so overwhelmed in general with, with the whole process. They're consumed with, you know, am I applying to the right colleges? Do I write all these essays? You know, all that type of stuff. Then the whole financial aid thing is totally overwhelming, and that happens to be changing, and that's gonna be a big problem this year. I'm really nervous behind the scenes. I don't think that's gonna be an issue for our clients, but I'm vicariously nervous for Pearl . But, but but, but, but the, the, the, the process of searching for all these scholarships, like all these scammy looking websites and all this urban legend, and, you know, it's very unusual for a day to go by where I'm not talking to a either a client or a prospective client, and they ask me like, what about those scholarships for people with, you know, x, y, z ancestry or left-handed, or, you know, this or that. (07:06): I heard that there was money for kids who had learning disabilities, or, you know, they've always heard something, right? Yeah. But they don't really know anyone who's won that money necessarily. Yeah. But there's all this urban legend floating around. So how do you cut through the clutter and what's, what's your, you know, your, your best tips for actually finding scholarships that you can win? So, Jean O'Toole (07:25): So first I'm really glad that we're, let's, let's, you know, let's just get to the heart of it. There's, there's some scholarship scams out there, and and, and there are a couple of major red flags right off the bat that I want, you know, everybody to be aware of because not everything that, right, not everything that we see out there is legitimate, right? So, so, so for sure number one of, you know, number one, we'd never pay money to get money, okay? Just make sure that that is super clear. There are, there are people that are trying to, you know, scam students and their families by utilizing language, like processing fee, application fee. And that's how, that's, that's how they'll, that's how it'll be framed. Okay? And, you know, and I know, but I wanna make sure everybody knows, right? (08:22): College applications have fees, scholarship applications as a rule, do not have a fee. And all of the years, I've, I've done this. I'm, I am gonna put something though, right? Also on our conversation table. And that is I have come across four, maybe five scholarships that were all related to art that did have a, like a $10 processing fee, because it was, it was not a processing fee, it was a portfolio review fee. However, I have, I have personally told every student who came across that, do not apply to it, right? I, we, we did the research on it. It was legit. They were giving away the money. I don't know why they wanted to have this $10 portfolio fee for their grad students who are probably gonna be reviewing all of these portfolios and bringing the top ones to the decision makers. (09:17): But I will tell you right now there is, there is no, there is no reason to pay a dime going after scholarship money. Okay? The second big red flag is anything that HI has that's insistent upon a social security number, okay? Really, really important. Please, if everybody who's watching this video shares this information, please with your, with your, your, your, your relatives and your friends because there are, first of all, again, private scholarships are not part of financial aid. Okay? Not, it's not part of the, the, the government financial aid, you know, package, right? They're from companies, organizations, and foundations. So it has nothing to do. It has nothing to do with, with, with financial aid. Any opportunity that is insistent upon a social security number, that is a major red flag. If you are a student and a family finding something like that, I would, I always you know, say to my clients and, and would recommend to any student that I'm working with to let, let your college counselor know. Let Andy know, so that way they can also forewarn other families, right? Let your school know. That's really, really important. Stay away from that. Now, in terms Andy Lockwood (10:40): Of, so probably the, the Nigerian prince who contacted me, one of my bank account information and social for scholarship. Oh, you Jean O'Toole (10:47): Got the Nigerian Prince scholarship? Andy Lockwood (10:49): Yeah. I thought I won that. Yeah. I'm not even going to college . Jean O'Toole (10:53): I mean, that wasn't even an urban legend too. Yeah, yeah, yeah, yeah, yeah. There's a there's there's, there's a lot of scholarships out there that also too, people I, I love the language that you chose to, to introduce this with Andy. You said that, I heard of, right? I heard of this opportunity. I heard of this opportunity. And there is, you know, of course there's gonna be lots of differences. Well, I'm going to put it in air quotes, the quote unquote opportunities that people may have, you know, heard of from a friend, from a Facebook post, from whatever. Here's how, here's if you want, you know, if, if there's ever, I, first of all, I always tell every family, trust your gut on what this is. Okay? Trust your gut. (11:43): But you can always dig into the history of this scholarship? Okay? What is the history of this scholarship? There are new scholarships that are created every year, okay? There are however long standing scholarships and scholarships that have, that have been going on, going on for years and years and years. There's, there's history there. If you also, you know, a simple, fast thing you can always do is just Google the name of the scholarship by last year, last year, right? Was it going on? Right? you know, what, what's, you know, is there media attached to it announcing who the recipients were? Right? You can look at the history. If there was a scholarship that is brand new, it's never, you know, happened before you know, I and it is a, an opportunity that you know, you know, is, is from a source that you trust, then you can, you know, I would, I would lean in, and again, maybe if you, you're unsure, feel free to email that e email that source to confirm. But again, major red flags. Never pay money to get money. Don't give away the social security number and trust the history, Andy Lockwood (13:01): And don't fall for the Nigerian Prince fax . That's now, that's now an email. And Jean O'Toole (13:05): Now you know, Andy. Yeah. Now, you know, , Andy Lockwood (13:07): All these years, you know, I've been responding to those faxes. Okay? So, where do you look? I mean, that's really you know, the, the biggest issue, because people spend so much time, you know, people that I talk to, which is probably a fraction of the ones that, of the number that you speak with so much time on these websites. The guys who want Shark Tank, the, you know, and then there's these local scholarships too, yeah. That sometimes guidance counselors at high schools put out. So what, what's your best advice for finding money? Jean O'Toole (13:39): Hands down. You always want to l be looking at this through a hyper statistical lens. Okay? I want everybody to think about numbers, okay? We're talking about money, but let's talk about numbers. So numbers, because where you should be looking first is always where the numbers are gonna be best in your favor, okay? And that means local, I want you to look local first. Always. If you're gonna put time and energy anywhere, it's gonna be local, okay? Because you're going to have a higher statistical chance of getting those dollars any day, ev everywhere, no matter where you're at. Local, local scholarships in terms of, you know, not just not just connecting with your, you know, your guidance office. But definitely I would lean into resources like moms and dads groups on Facebook, a really great opportunity. (14:50): Parents love to talk about their kids who especially have won scholarships in the past utilizing hyper local resources and platforms like even Next Door that are really gonna bring you to the town, the county really helping you see what might be available that is only for you. And it's not open to students across even your state, across even your you know, across the nation, across the world. I'm not saying don't go for those opportunities. There's a lot of enticing opportunities out there, which I'm sure you and I are gonna talk about with. But you know, the more that we can actually look local first, the better it's going to be. So here's a little rule of thumb, okay? And then, and then I'll talk about some other resources that you should dive into. (15:44): But I think that one of the best actions anybody could take especially if they are, let's talk about the, you know, the ninth grader, the 10th grader, the 11th grader, even the a 12th grader. Maybe they're in their first year going into their first semester of senior year. Okay? I would recommend that you make it a priority to pop an email to your guidance secretary at your school, and to find out, get a copy of last year's senior awards nights program. Okay? everybody doesn't, it's not all, it's not always called the Senior Awards Night. Andy, I don't know. Did your kids have a senior awards night at their school? Andy Lockwood (16:35): It was a senior awards night that was three hours of 10th, 11th, and 12th graders. So it wasn't just seniors. Jean O'Toole (16:43): Okay? So, so awesome. Even better. Andy Lockwood (16:48): Not how I would describe it. Jean O'Toole (16:48): I hope it was on Zoom. But , you're good, dad. I will say that if you can get a program from last year, from the previous year, and that's a P D F sitting on, on the guidance secretary's computer, have that emailed to you, you'll have a list of all of the awards that are at least, at least in the past year, currently given out in your area for, that are directed to students at your school. That is an am that's a major starting point Andy Lockwood (17:20): To be able to start you even for people who are in the process of applying to college now, right? They, it's not too late to do that. Jean O'Toole (17:25): Oh my gosh, definitely not too late. Yeah, definitely not too late. Okay. I will tell you if a student is, so, so, you know who we're talking about with, with that list, that's gonna be, that's for that that's for that, you know, rising senior who's right, who's applying for college now, the junior, the the 10th grader, the the ninth grader. But I will say you know, getting that list, you can, you can then start looking through, okay. Alright. some of them you might have a general idea about what it's about. Oh, this is a scholarship for stem, this is a scholarship for the arts, whatever the case may be. And you can start asking questions, who decides, you know, how do you apply? What are they looking for? If you could take advantage, like your, your Edge and an advantage is always getting information before other applicants. (18:19): If you know that you're not gonna be competing against everybody in your state or everybody across the country, like, take a couple of extra minutes, that is worth your time and energy. Students who I, who I work with and have worked with over the years, are the students that walk away with five figures of money just from those awards nights. And that is a nice addition to whatever financial package that maybe, you know, you and your team have put together for somebody. But, you know, the, the, those, it might be smaller amounts of money 500,000, you know, 1500. But those things add up to the people who are really aggressive about it. And I encourage people to get that information. Andy Lockwood (18:58): So speaking of aggressive, I, I think you mentioned this in years past, but don't, don't limit yourself to your own high school. I mean, you might, you might be able to get advice or, intel from other high schools too. Why, why stop at your Jean O'Toole (19:12): Own? Absolutely. Yeah. I mean you know, is there, are, there, there, is there you know, I, I would, I would go to, I would kind of, you know, connect with any schools that are in your region. So the Catholic schools, the charter schools, the, the private schools the, the homeschool network also great, is a, is a great opportunity as well. So not just a public high school. Yeah. And, you know, just kind of you know, we just kind of, you know, kind of directed people about the first step of where to go to kind of find scholarships that they're gonna have a higher statistical chance of winning who are in high school. If you, if there's anyone who's watching this right now who might be going into their first year of college, okay. Or, you know, who's already in college lemme tell you something, it's not too late, but here's where I want you to go. (19:59): Okay. Anyone who is already in college, a great first place to start hitting up and and really, really you know to take some actions, to get some, some scholarship additional scholarship information that could be very applicable to you, are really gonna be targeting the organizations and associations that relate to your field. Okay? it could also be a union that relates to your field. So, you know, whether it's the arts, whether it's you know, business, whether it's healthcare, there are organizations, associations, unions that attach to those fields. And if you are a, a, a student who's already in college and that means that you are, you know, 18 years old and and older in your head, you're those are gonna be opportunities. Feel free, by the way. I'll just say this. Anyone who wants to reach out through connections one-on-one, I'm happy to send you a free template of what, what to write, . (21:03): I've got lots of templates. I'm happy to send a free template to anybody about what to write to these organizations and associations, what email to write, so that way you can find out about any scholarships that connect to that industry. That's an entire team of people that they, literally, their job is to connect people to what is going on in the industry. So it's like a built-in scholarship army that you can tap into. They can then send you not just scholarships, but also too, you can start making those connections for future internships, future jobs, future mentors. I mean, that's another whole thing. Andy Lockwood (21:41): Yeah. Yeah. Okay. So that's gene Jean's website is connections one oh one.com, , just, just in case she was talking to Effusively and, and Fast . But that's good. You, you always bring it. So, okay, so, so talk a little bit more about these I don't know, affinities or one thing I remember when I was EEA eavesdropping on or I should say attending your meeting with my, with my youngest Sammy is you, you were constantly encouraging her to expand on the types of things that she might be eligible for. So it's very easy to get a kind of tunnel vision and say, well, I do these three extracurricular activities. That's it. Are there any, you know, scholarships for whatever mock trial or for whatever. So talk, can you talk a little bit about that? Do you know what I'm, you know what I'm referring Jean O'Toole (22:32): To? Yes, I totally do, and I'm so glad you're bringing it up. So yeah, I, I call it the, i, I call it the scholarship blinders, okay? And sometimes in, in others, you know, and sometimes in, in different webinars I've done and in conversations I've had I might even call it the scholarship blinders. I call it the College Five. What happens is, and what happens then is that again, why, you know, why are people missing out on so many, so many private scholarships is because everyone is almost . They're just used to focusing on the five things that I know that you're, you're having your students focus on. This is because this is what gets people into college, right? What's the G P A? What are your college majors? What are, what are the clubs or, and things you're doing outside of the classroom? (23:20): What community service are you doing? And what leadership have you demonstrated? Right? That's the five. That's the five you are interested in. That's the five that college applications are interested in. So what happens is, you know, repeated behavior, repeat becomes habit, and it's in everybody's mind that those are the five things I'm looking for, for scholarships. Well, what happens is that it becomes a blinder. It becomes a blinder if you only focus on those five things. I mean, let's be clear, there are scholarships for those five things, but if you only focus on those five things, you miss out. So let's talk about expanding. That's where you're, you know, and what I do with, with, with families, what I do with students, what I've, I've taught your kids to do, Andy, is it to, is to do a process that I call money mapping. And I, and I'll explain it. The, the, the, the general of it right now here, okay? So this is where everybody gets a pen and paper. 'cause I want you to like, really understand this. This is a, a, a really important process for you time, right? Andy Lockwood (24:20): Hopefully, we're writing notes before this, by the way, , Jean O'Toole (24:24): So, three, money mapping is a process to expand your own awareness of what you are potentially eligible for. Okay? And there's three parts, right? Part number one is what I just referred to as past, present, future, okay? Making a list of all of the accomplishments, the achievements, the things that you have done in the past, all the things that you're doing right now. All the things you hope to do in the future. You wanna travel abroad. It goes in the future. You know that you wanna be a nurse, it goes in the future column, but past, present, future. And I would, I would go back maybe four years of your life. Everybody you know, unless you did something truly like rockstar, amazing , don't go back more than four years. Even though I know everyone is happy about all the Girl Scout cookies that they sold when they were 10, , you know, it's, but it's, we just keeping with, keeping with, you know, accomplishments, achievements, things that you've done, I want you to start looking at, here's the key word, and, and I don't know if there's, if you wanna, I, this is what I would, I would wanna like put it, put a, put a put a word up on the screen. (25:37): But here we go. Okay. So the word is impact. This is what private scholarships are all about. Impact. And if you have when you are looking at what you have done or what you are doing, the questions that I want you to be looking at asking yourself, and this is a great, you know, thing to do as a family, is who, who did I impact? What did I impact? What was the impact? Okay? Because scholarships, everyone, are created from companies, organizations, and foundations because they wanna have impact. Okay? So they're, they're you know, yes, we always wanna hope that somebody, you know, is creating a scholarship. 'cause They wanna help young people to achieve their dreams. That is part of it. But scholarships are, are, are, are put together because it usually aligns with the corporate or organizational mission. (26:37): Mission equals impact. So let's pull it apart. Let's expand when, when a student, you know, a student says to me that they, you know they've done some community service, okay, great. One of the College Five, right? I've done some community service. Good. What did you do for community service? Well I you know, I, I did a, I did a food drive with the student government. Okay, great. So what is, what is every other student doing? Every other student who's on that, who, who was part of that, they're only looking for community service money. Here's what you are gonna do, okay? What you're gonna do is you're gonna expand that and ask yourself, what was the impact of doing that food drive? Who did I impact? What was the impact? Right? (27:28): And really, if you look at it, that action about doing the food drive. Let's be clear here. It's not about the action. It is about the result. It's not about the action, it's about the outcome. Okay? It's not about collecting the cans, that's the action. The outcome is that you, you, you had an, you did something that actually was impacting food insecurity in your community. Food insecurity is the, it is, let's pull it apart. Boom. There is a potential topic for scholarships. Okay? Food insecurity. Who did I impact? Who did you know who was impacted? Well, you know, this is, and this is like, like every conversation that I've had with students. Well, I don't know people who need that food. Well, who, you know, who, among that, who, who, who among needed, who, who potentially was, was needing was, was suffering from food insecurity. Okay, well, maybe it was older residents in town. Maybe there were veterans who benefited from that, from that food drive. Ah, boom. Here we go. Another bullet point. Andy Lockwood (28:37): Well, two more. Yeah, yeah, Jean O'Toole (28:38): Yeah. Now we can start pulling this apart. We could look at this as its nutrition. We could look, we could pull it. Keep pulling it apart. It is not about collecting the cans, okay? The higher level, the higher level, you know, category of scholarship, community service. And then you hope you see, you have all these potential other subcategories, and that is how we create awareness of what you, we fully in integrity, never making anything up. Those are all potential categories for scholarships that would be created. Okay? And you know, does that, does that make sense, Andy? Sometimes I get, I get, Andy Lockwood (29:18): You know, well, no, it totally makes sense because you know what, what you're trying, it's, it's kinda a hard thing to understand, but it makes sense because most people, they, they stop at that high level, like you said. And I, I put myself in this category, and that's why I remember you talking to each of my kids who, who, who worked with you on, on picking everything apart and drilling down and, you know, it's the next step. And then the step after that, the step after that. And, and then when the dust settled, it was like an additional five categories almost per activity. And I thought that was very clever. And it also shows why there's a lot of money out there that doesn't necessarily get awarded, you know, to, to people who deserve and notice that deserve Jean O'Toole (30:03): It. Notice. So the students who are going to stand at a high level are going to have a higher amount of competition. Let's, let's also, let's name that, okay? The higher that the, the, the scholarship that is just for community service, so much more competition, right? Yeah. The scholarship, though, is literally impacting food insecurity, not as much imp not as many, because it's not on people's radar, but if you money map, it's going to be on people. You're, it's gonna be on your radar, okay? And that is what's so exciting, right? There is this you know, I, I encourage people to literally ask themselves, okay, I'm, you know, I'm a I'm a coach first, always, right? So, so ask your, ask yourself you know, who else, what else, who else, who else was impacted? What else was impacted? One thing that I, you know, I find often there's a lot of and I just wanna give, you know, mad shoutouts to all of the students and, and that are watching this and, and participating in our in, in even tonight's session who maybe have been engaging in clubs or, or, or groups that are bringing to the attention you know, some of the, the challenges that other, maybe other peers are facing. (31:27): I'm speaking about any type of depression or anxiety or stress. There's a lot of scholarships related to these issues, especially, you know, and I know that we're, I know that you're gonna be sharing this video for, you know, for your community, Andy. But let's, let's, you know, let's, let's be honest, especially in these past several years, especially since Covid, there's been a lot more, thankfully, a lot of, a lot more open conversation around stress and anxiety and, and there's a lot of scholarships related to that. And when, when students say that they have that they have, you know, done a community service project, let's say, with their club to maybe you know, support students who might have anxiety, okay, I'm just gonna give this as an example. Pulling that apart, money mapping that we can look at. (32:25): Lots of subcategories of that, okay? Anxiety can also, you know result in depression, anxiety could res there's a, I I encourage everybody to jot down what I'm about to share. Invisible disability, right? When we look at, when we look at mental health, just mental overall mental health, okay? Could be an invisible disability, right? And that can, that can now, you know, pull into lots of different spaces. And I, the reason why money mapping and kind of looking at what else, how else, you know, who else might have been impacted, is that this is, this is huge. It's not about you, everybody, not about you, the student. It's not about you. It's about them. It's about the company, the organization, the foundation is what matters to them. They've created a pile of money, whether it's $500 or $50,000 or whatever it is, because of what matters to them. So it's not, it's not, you know again, all of those College Five that's important for your, for your college plan, but in terms of, in terms of looking through this lens of pursuing scholarships, applying to scholarships, finding scholarships, we wanna get out of our shoes, and we wanna look at what is the, what's, what's the mission of these, of, of the person who is actually wanting to give away the money. Andy Lockwood (33:57): Yeah. And a lot of times you sort of almost alluded to this a lot, a lot of times these corporations, they are, they have this mission because it's part of the public relations strategies. It's not necessarily altruism. It's, it's because they know Jean O'Toole (34:16): Social responsibility. Pr Absolutely. Yeah. Media, media will love it. That's, I mean, they'll get a lot of, they, they, they'll get a lot of extra media because of giving away a scholarship. Andy Lockwood (34:27): Yeah. And conversely, if they don't do that, just the same way, if they don't embrace, you know, climate change or D e I or, you know, whatever, whatever the, the prevalent hot topics are, then they might get criticized for that. So, you're helping them by, by, by you know, applying for these scholarships. It's not, it's not a one-way street at all. It's a two-way street. Jean O'Toole (34:52): Massively two-way street. Yeah. In fact, I mean, , I, I'll, I'll say that, you know I don't know why more companies and organizations are not giving away you know, private scholarship dollars because they're, you know, that thousand bucks, 2,500 bucks, even $10,000 or more. And, and we get into five figure, even six figure scholarships. I mean, you know, there is that's, that's, you know, that's when we start to circle all the way back to one of your original questions here today, which is what I heard of. Yeah. Right? Yeah. Because it starts to be shared and passed along. Andy Lockwood (35:29): So a lot of these scholarships are like all over the place, right? But, but are there, and, and, and, and I just will say this again, you, you a specialist in finding scholarships, so people can work with you. And I'm gonna ask you about that in a few moments. But for people who wanna try to do this themselves, are there websites or are there actual legitimate places where you can do these types of searches? Because it seems to me that a lot of these local ones are not necessarily gonna show up on the websites. Jean O'Toole (35:56): Yeah. you're, you're right about the fact that, that you know, hyper-local scholarships are, are not gonna be showing up on, on national platforms rarely. I mean, they, every once in a while, but rarely I still want you to go to the local opportunities first because you'll have a, because of the higher statistical chance of winning them. But yeah, there are tons of different scholarship websites. Unfortunately there was no one-stop shop. There's tons of scholarship apps you know, now that people are also you know, that, and again, there's no one-stop shop. And that is why I want everyone to always kinda look at this through, you know, a kind of a multi-prong approach, okay? You don't have to go, you don't have to, this does not have to be a part-time job. (36:43): You don't have to use every website, you don't have to use every app. But I would recommend that everyone use a, I would recommend that everyone use a combination of two or three. Okay? Two or three. You're, you're gonna be covered most of the, for most of the, the, the, the statewide regional national, international opportunities that are out there. But again, always prioritize anything that's local. So here's, here are the websites I recommend. So you can, and I have a whole list of, of tons of different websites and a list, you can just download it. Lots of free resources at connections one oh one.com. But the three that I like to use in conjunction, just because they kind of cover each other one is fastweb.com fast Web, those of you, you know those of you who and I'm, I'm gonna say those of you, I'm, I'm gonna probably be talking to the parents out there might, might recall, because it's not as big now, but monster.com Monster is actually, monster was a really I know it's still a job platform not as big as it used to be. (37:55): But Monster is the parent company of Fastweb. And I, I share that piece of information to point out, Fastweb is, it is big. If they do, you are gonna have to put together a profile. You will go, you will get a ton of spam. But they're big, okay? And, Monster knows how to filter information. So they have that down because of, you know, what their company, you know, does. And then they brought it to this scholarship arena. I would recommend to everybody that you create an email that is just for scholarships. So you keep spam out of your important box. 'cause You need to know what's going on from your college advisors and utilize that email to set up any type of profile. Now and the reason why you're gonna get spam, let's also, let's put this truth on the table, okay? Is that a, some of these major scholarship platforms, they will share your information with other educational resources. That is why also, I mean all of the sharing of different educational resources, it's why ninth graders, 10th graders, 11th graders will get 60 pounds of mail from all of these colleges and resources that they never apply to, right? Right. So Andy Lockwood (39:24): Well, there's no such thing as free. I mean, it's like, no such thing as free. Yeah. Facebook is free because it gathers all your information so it can spy on you and sell your information off. And that's, that's what these Jean O'Toole (39:33): Guys are. So use a different email for, for that platform, okay? Now, that's one. It's large, so that's why I want you to use it, but it still is not a one one stop shop. So, Andy Lockwood (39:43): So FASTWEB. Jean O'Toole (39:46): Yeah. This, the other one that, another one that I do like because I found a workaround is scholarships.com. Okay? I like that because here's the workaround, okay? So , everybody who goes , and by the way, I have no affiliation to any of these companies. I certainly am not gonna have an affiliation to scholarships.com because of what I, I'm about to share with you about their workaround. But there, when you go to scholarships.com, there, you'll see their very first tab, okay? Will say, you know, scholarship search. If you click on that tab, you'll have to put together a profile. You'll get all the spam, and that is up to you. But if you wanna avoid the spam, okay, you go to the second tab, okay? On their, on their page, and it says Scholarship directory. And then you'll see a list of all of these different categories of scholarships. (40:36): So scholarships also by age, alright? Scholarships by age, which I think is important, scholarships by deadline, which I think is really important, okay? And when you look, you look on any one of those lists you'll see scholarships, you may, you'll, you'll be able, you'll, you're gonna check out. And and, and when you see that, you know, you pop out a scholarship, oh, lemme check this out a little bit longer, and it'll give you a little blurb, and then there'll be a blue button that will say, you know, learn more, find out more, or, you know, apply here, don't click on the button, , okay? If you do, it'll take you into that vortex of their portal to go fill out the fill out your, your profile. If you want spam, be my guest. But here's what Andy Lockwood (41:24): I would do. Some people like spam. Jean O'Toole (41:25): Yeah. Here's what I would do instead is that you see a scholarship there from that list, simply copy and paste the title of that scholarship, open up that other browser, let Google do the work, and let Google bring the organization for that scholarship right to the top. Then you cut out the middleman and you can go right to the source. So I, I like that, right? As a, as a second, Andy Lockwood (41:51): Christie, sneaky Jean O'Toole (41:53): . And then, you know, we have a I I have I, I do have an affinity for a fairly new scholarship platform. Only been around five years as of this recording , that is bold.org. They have a policy where any scholarships that are on bold are only on bold. So guess what? You're lucky enough to be, you know, connected here to the Lockwood team. And we're having this conversation, you're now learning about Bold, but not everybody knows about that, that platform. And so, again, it's always about numbers. And statistically, there's gonna be still, we're, we're still kind of in that, that comfort place right now where not everybody knows about that platform. So statistically, there's, there's a, there's a higher chance in your favor about opportunities on that, on that platform. So those are the three that I kind of like, kind of as a, as a, as a mingle. And my team is constantly researching opportunities, seeing which ones are new, which ones, you know, are, have, have been discontinued. And we actually keep free lists of scholarships, you know, that are happening, you know, by month. And you can also get that at our website as well. Andy Lockwood (43:22): Yeah. And the, and the newsletter, which probably And the newsletter, everyone. Newsletter, yeah. Everyone probably on this list, their families probably get it. It's a written list and, and a column that Gene is so kind to write for us every month. All right. So I have two more questions for you. And I, I wanna remind everyone that they have questions. This is the last call, to lob those in. Before I get to my final two questions, Jean, talk a little bit about how you work with people one-on-one and the super cool generous coupon, secret coupon code that I'm pressuring you to offer. Jean O'Toole (43:54): There is a secret coupon code. It's only for, it's only for, it's only for you guys. It's only for you guys. We do not have, I do not have a coupon code for anybody else. . Nice. You are, yeah, then that is true. So anyone who wants to work with me I, I run a I, I'm happy to meet with families one-on-one and, and you know, in a, in a video conference, in a video zoom room, and we'll, we'll work together. I'll take you through the money mapping process for a student. We'll go deep on that. We'll look at, you know, where to kind of strategically go. And I also will do a big, huge poll of lots of different lists of scholarships based on, you know who the student is. And I'm happy to give a very generous discount with a coupon code , which is L O C K W O O D, Clever. And that, it's, that is, I'm, that is the only coupon code I I, we have wow. We actually give out. Yep. I do not, we do not do that for anybody else. Andy Lockwood (45:10): So, okay, so that's on Connections101.com. Still the Scholarship Jumpstart? Okay. The jumpstart session. Andy Lockwood (45:17): You see a lot of other stuff, which you should also check out, including Jean's book. But the Scholarship Jumpstart is the one that I recommend both personally, because I said my own kids benefited from it. But also, I don't know, you've probably worked with at least 75 to a hundred of our clients over the years. So highly recommended. Thank you very much for the clever coupon code name and, and generous discount, of course. So, okay, my final two questions are as follows. Question number one: families that are not gonna qualify for need-based aid, are there scholarships for them? Jean O'Toole (45:59): Yes, absolutely. And, and I'm gonna ask you to put something in the, in the chat box , or put something up on the screen. Yep. and, and this, because this is really important language to keep in mind. The key words are, need blind need blind scholarships, okay? Remember, scholarships are not part of federal financial aid, right? And companies, organizations, foundations, it's their money. They get to decide who and what they value, what's important to them. And, and there are a tremendous amount of opportunities that that put in, they put it in writing right there in the description of the scholarship that this is a need blind scholarship. And, you know, frankly, you know, I gotta tell you, I'm seeing more and more of them over the years. And I think it's because companies recognize that there is, that there's a gap of students and families that, you know, are not, they are not qualifying for need-based money. Yes. and and, and there's just a massive gap and, and companies recognize that. And so there's, there's this language that's being put into the being put right into the description. Now, with that said, if a scholarship does not say need blind, and it also does not say that it is based on financial need, go and apply to that scholarship, also. Also, okay. Financial need is one of just many, many, many, many categories of scholarships. So that's important. Andy Lockwood (47:46): Okay. Good advice. Because a lot of people don't feel particularly wealthy, but they don't qualify for need-based aid. And, frankly there's a lot of people who, you know, are, maybe they come from a relatively affluent family background, but they're doing a lot of good stuff and, and work for the community, and, you know, they deserve the money because of their efforts. And you know, some, many companies understand Jean O'Toole (48:17): That and don't assume, don't assume that you're not gonna get any scholarships, right? Right. Like, I think that that's, I think that that is like the, just like, just like, unfortunately, there's all of these people who are missing out on money because they're focused on those, those, those College Five, right? There's so many people who are just assuming that scholarships are not for them. I mean, I cannot tell you how it's one of the biggest myths that I, I talk about with people every single day. Oh, they find out, oh, you know, you're a scholarship expert. Oh, well, you know, we won't qualify for that. How, how do you know that? Yeah. How do you know that? And so can I, I do wanna also say this too, because you're, you're making me inspired to share one other piece about this. If there are so many scholarships that again, they won't, they won't say need blind, and they won't say financial need. (49:09): It has nothing to do with money at all. Okay? Nothing to do with money. Again, it might relate to, you know, maybe, maybe it's that scholarship related to food insecurity or, or any other topics we've been talking about tonight. Maybe it has to do with leadership. Maybe it has to do with community service. Maybe it has to do with just the fact that, you know, you wanna make a difference in the world. I don't know. But I will say this, every, I, I firmly believe that even a family, and I , I don't know how you're gonna feel about what I'm about to say, Andy. I know we're still, I hope we're still friends with what I'm about to say, but I'm just, just, I'm saying it that even a family who maybe has done a lot of work planning their, the, the college financial process, okay. (49:58): And they're ready to go and they have the money ready to pay for college. I genuinely believe that if you are someone who you know, has taken the action to pursue these scholarships, take the money that you've saved, and you've been so diligent about diligent organizing and planning, and what if, you know, what if your son or your daughter, what if the student could pay for their college with scholarships between the college specific scholarships, and then stack these privates on private scholarships on top of that, and then the money that you've saved as a family, use that for the buying of the property, buying the house down the road, buy, you know, starting the business down the road. I really believe that, to me, it's really so, it's so un unfortunate that, you know, there's been so much time, energy, and focus on maybe trying to save that money when all of these other money sources are here. Yep. And if that money could be put towards another part of the dream of that student, I just, that's what I would like to see. So, Andy Lockwood (51:11): Yeah. There's worse things than not spending a lot of money that you have saved. Yeah. . Yeah. No, I'm, I'm a thousand percent behind, behind that one. Yeah. I was just talking to a buddy of mine who I play golf with, who's got six kids. He's got a blended, blended marriage very interesting guy, ex-cop. And he's got a wedding, you know, this, this weekend. And, you know, it's, it's, it's a lot of money to, to come up with, with stuff after college, not, not to after college. Jean O'Toole (51:36): Sure. Yeah. Yeah. Absolutely. Andy Lockwood (51:38): Okay. My final question to you, and you, and you sort of mentioned this a little bit in passing in terms of, you know, applying for scholarships not just in 12th grade, but when is the best time to start, you know, planning and looking for scholarships? Jean O'Toole (51:53): You know what I'm gonna say right now, like, as soon as possible . Yeah. If you are a family who has kids in elementary school, let's go, let's go. There's money there, there's money there, let's go. Right? You got kids who are in middle school, let's go. There's money there. There, there are scholarships for students, literally starting from age five. Okay. all the way through to 65 years old and, and, and up. So why is that? Because, you know, 'cause people are like, well, why would they get, why would they do that? Why would they give money to a 10 year old? Why are they, do, you know, because it's their money. Yep. They get to decide. And if they wanna inspire a young kid to be creative, or they wanna inspire a middle school young, young lady to get into science, or they wanna inspire you know, an older adult to go back to school, that's their mission. Sure. That's the impact that they wanna have. And again, rules don't apply the college, you know, college rules don't apply when it comes to private scholarships. So start now. Do it now. Andy Lockwood (53:04): Yeah. And that's, that's another thing that I always find noteworthy, that you, you know, most people wait until 12th grade to start even thinking about this stuff, but there's so much available for younger and older, you know, kids in college as well as kids in, I guess even elementary school. So if you're watching this or listening to this on our podcast, and you have younger kids or older kids, or, you know, younger kids or older kids, you know, this, this is something you should really pay attention to. So, you Jean O'Toole (53:37): Know what, Andy, I'm gonna do something for, for your, your community. So our my team has been you know, as we research, we have a list of scholarships for elementary and middle school kids. And I'm, I'm happy to, to just send that to anybody who reaches out to us that mentions, mentions Lockwood. Okay. They have to mention you . Okay. But if they email, you can email us at scholarshipstrategiesteam@gmail.com scholarshipstrategiesteam@gmail.com. And that's our team email and scholarship strategies team@gmail.com. And mention that, that you would like the elementary and middle school list and that you saw us on, on the Lockwood video recording the webinar with Andy. And we'll send it over to you. Andy Lockwood (54:29): All right. Even though you said it three times. Scholarships strategies team. Jean O'Toole (54:32): Yep. At gmail.com. Andy Lockwood (54:33): At gmail.com. All right. I just popped that in the chat, so this was great. We went a little over, but I should have been that I could talk Jean O'Toole (54:43): To you all day. Andy Lockwood (54:43): Yeah, I honestly have probably another hour's worth of questions for you. Be just, just because this is so overwhelming, it's like trying to eat an elephant, right. But I'll, I'll say it again. I know this is probably getting a little too redundant, but I can't say, I can't speak about Jean highly enough mm-hmm. In terms of the focus and the motivation that she gives. I think you got a taste of that tonight watching this or on replay. So please reach out to her, try the jumpstart or just email her and just, you know, get in her her community, Jean O'Toole (55:18): Mention Lockwood . Andy Lockwood (55:20): That's, that's fine. You'll, you'll, you'll save some money if you hire her, but I don't need to hear my name. But, but it's, it is worth it is, it is worth your time. And, and if you are, you know it sounds like almost anyone can, can qualify for something. So I, I was looking at the people who are attending here live tonight, and I saw all kinds of ethnicities and religious orientation and survivors of, of, of certain things and medical things. So, you know, it seems like it's, it's a short bet that you can find stuff that you are eligible for, and Jean can coach you through how to maximize your ability to win those. Yeah. those scholarships. So Jean, thank you. Any closing bits of wit, wisdom? Do you wanna impart? Jean O'Toole (56:06): Yeah. Can I, I wanna give one more. I have One more last piece of advice. Okay? Yeah. So one, one pitfall that I see happen unfortunately over and over again will be people who are looking at, maybe they're only looking at what, you know, what's, what's due right now, , right? Because let's be honest I am, you know, we've, we're busy. We haven't got busy lives, right? Yeah, we're human. But I will say that you will have, you will give yourself a massive edge, a massive advantage if you were to block just 30 minutes and you are kind of looking ahead. You mentioned to you scholarships.com. You can look at scholarships by deadline. Go ahead and just look, go to that. Go again. Second tab, scholarship directory. That's how you're gonna find this. And you can look at scholarships that might be coming up. (57:02): And again, they're only one source, but it's a starting point. You can look at scholarships that might be coming up, let's say three months from now. And scholarships, there's a lot of scholarships that have a project required, like run a blood drive or, you know, create a recycling bin or whatever it is, okay? And what happens is that when there is, let's just tell the truth when there's effort required , right? When there's some effort and some time and energy and organization that is required to make something happen. If, if somebody finds out about it last minute, it doesn't, it's not gonna happen. It's not gonna happen. We're, we're all busy. That's human, no matter who we are. So if you, and, and, and that is, that applies to top students, everybody in between. And so if you have taken just 30 minutes just to give yourself a block of time, just glance through, see what, see what kind of things are, you know, is coming down the pike, and that way you can start making a plan. All right? Yeah. Alright, check this out. And then, you know, in the next few months maybe I'll have my club at school organize a blood drive, then I qualify for this. Okay? Yeah. Anything that, that, that requires a project already is gonna decrease your competition. And again, always everybody, numbers, numbers, numbers. Look at it through that lens. How many people potentially may apply for this one versus this one. And, where those numbers are gonna be best in your favor. That's where you put your time and energy. Andy Lockwood (58:34): Cool. Yeah. That, that four letter word called Work is a big, is a big we out, right? So, so that's a, that's a great tip. I think everything you said here was terrific. I think it was literally worth, you know, tens of thousands of dollars potentially to, you know, to the people who are gonna be exposed to this. So go out there and get the money. It's there. Go get the money, waiting for you. So is Jean at connections one oh one.com. Thank you Jean O'Toole. And thanks. Thanks everyone for listening and watching, and we'll speak to you soon. Bye-Bye. Okay, Jean O'Toole (59:05): Bye.

Getting a college degree can increase your lifetime earnings substantially— but even better is getting someone else to pay for it. We're talking, of course, about scholarships. We'll discuss strategies to find college scholarships on this Faith and Finance. College is expensive. The College Board reports that in 2023, in-state students at a public four-year school will spend close to $11,000 on tuition and fees. That's for just one year, and doesn't include room and board. Students at a private, four-year college will spend almost $40,000 on tuition and fees alone. With those expenses, it's not surprising that the average student owes close to $30,000 when leaving school. But you don't have to be the average student.Many organizations are willing to help you pay for college through scholarships … if you meet their qualifications. Rob West's wife Julie had her own “application assembly line” going, and she was able to land $170,000 in scholarship money. Of course, that took a lot of work, but look at it this way, you can either put in the time and effort now applying for scholarships … or you can borrow and work very hard later to pay back the money.We're hoping that you'd rather do the work now, so we'll give you the names of online sources for scholarship money. SCHOLARSHIP SOURCESOur first source for scholarship money is Fastweb. They host more than 1.5 million scholarships totaling nearly $3.5 billion. To get started, you create a profile at FastWeb.com. A search feature helps match you to scholarships that meet your individual needs. It also keeps track of where you've applied— a handy feature.Now, the College Board is best known for testing materials, things like the SATs and other exams, but they also want to help you pay for college once you get there. On their site you can apply for scholarships and internships. They have leads to about 2,200 programs offering nearly $6 billion in college aid every year.Another great site is Niche.com. Like the name implies, they help you find not only money, but also colleges that cater to your specific major and interests.And of course there's Scholarships.com. They have a huge database with more than 3.5 million scholarship and grant opportunities totaling almost $20 billion. You can browse by category or set up a profile to help you find scholarships specific to your interests.Cappex is another great source. They have leads on $11 billion in scholarship opportunities. Their site also has a tool to help you calculate the odds of getting into a school of your choice before you even apply. Chegg is another good one. They're best known as an online textbook store, but they can also point you to about 25,000 different scholarships. And they have a “top picks of the week” feature to help improve your odds of landing one.Now, keep in mind that a lot of these scholarship opportunities are merit-based, meaning the higher your grades, the better your chances of landing that kind of scholarship.But what if you're more athletically inclined? There's a site to help with that. Unigo lets you search for athletic scholarships as well as a wide variety of funding opportunities offered by specific schools and companies.And let's not forget about Peterson's, which is best known as a clearinghouse for information about colleges and universities. They also host about $10 billion in scholarship opportunities.Now, this one's interesting, because we usually associate federal aid with borrowing, but the Labor Department sponsors a website called CareerOneStop, which allows you to search more than 8,000 scholarships, fellowships, and grants. And that's money you won't have to pay back.One final idea: Check with the financial aid office at whichever schools you apply to. Sometimes they have scholarship money available, too.A final note— if you get discouraged at any point, just remember Proverbs 22:7, “The rich rules over the poor, and the borrower is the slave of the lender.” It's a good incentive to find those scholarships and borrow as little as possible.On this program, Rob also answers listener questions: How should you transfer funds from one retirement account to another?How do you determine if real estate is a wise investment for you?When is it wise to invest in I-bonds?Remember, you can call in to ask your questions most days at (800) 525-7000. Also, visit our website at FaithFi.com where you can join the FaithFi Community, and give as we expand our outreach. 

Yay! Your kid is going to college! Now, how are you going to pay for all this?Today we discuss college costs, including room and board, and how to save money by getting scholarships and financial aid for tuition. We'll talk about how prevalent a college education is, how many high school grads go to college and what other avenues might be available. From Pell grants to the $100 million of unclaimed sholarships, we'll get you and your kids closer to signing up for less (or no!) student debt in the first place.If you enjoyed this episode, please share it with a friend or family member. This podcast relies solely on your support and I'd love your help in getting it out there to more people. Thanks!The Ultimate Guide to Scholarships on RedditCollege Enrollment Statistics in the US by Best CollegesCollege Enrollment Rates by National Center for Education StatisticsWhat Percentage of High School Students go to College by AdmissionlyAverage Cost of College and Tuition by Education Data Initiative$3.6 Billion of Financial Aid Goes Unclaimed Every Year by Fastweb

Non bastava Twitter con la pretesa di farsi pagare per verificare l'identità dei propri utenti, ora anche Facebook perseguirà lo stesso modello di business. Il prezzo sarà di 11,99 $ mese. Ancora una volta, Apple Watch salva la vita ad un utente, rilevando problemi cardiaci e di ossigenazione del sangue, aveva emorragie interne. Fastweb cresce nel 2022, nel segmento mobile addirittura del 25%. Questo appuntamento è realizzato in collaborazione con Honor Learn more about your ad choices. Visit megaphone.fm/adchoices

Il futuro è sempre più incerto e le nuove generazioni vivono nella paura di quello che accadrà. Ma è possibile imparare a programmare il futuro? Ne abbiamo parlato con Alberto Calcagno, amministratore delegato di Fastweb.

One of the facts of life is that each of us will die someday and everything we have will be left behind, including our debts. So, who will have to pay those debts? Today, we'll be talking about debt after life and how it can affect your loved ones and beneficiaries. Often on Mondays, we focus on foundational matters related to finances. And you may recall that our teaching model centers around the five basic things you can do with your money. You can earn it, live on it, give it away, owe it to someone, and you can grow it by investing. Earn, live, give, owe, and grow. Today, we're focusing on owing money and on a particular aspect of that topic that perhaps you haven't thought about: namely, what happens to your debts when you die? Of course, those debts won't be of much concern to you at that point, but they could be of great concern to those you leave behind. Many people assume that when they pass away, their debts will be written off by creditors and not collected. Well, that is true with regard to some debts. But it is the exception, not the rule. The U-S government does write off federal school loans when the person who owes the money dies. And that extends to PLUS loans parents take out for their children's education. In fact, if either a parent or the student dies, the loan is written off. One other possible exception is small medical debts. Sometimes medical providers will write those off, but they are under no obligation to do so. As for other kinds of debt, those obligations do not go away. They'll be assigned to other people who will become responsible for paying them, or they'll be paid from the proceeds of your estate. We'll explain that in a moment. But first, you need to understand that there are two types of debt: secured debt and unsecured. A secured debt is anything that has collateral that is, something the creditor could take and sell to pay the debt if it came to that. Secured debt includes things such as a home mortgage and a car loan. A creditor could foreclose on a house or repossess a car. Those are secured debts. In contrast, unsecured debt has no collateral. Credit cards fall into that category. Typically, a secured debt will pass to a beneficiary. If your spouse becomes the sole owner of the house when you pass away, and you still have a mortgage on it, he or she will be responsible for continuing the payments. If you bequeath your car to a loved one, and it still has a loan on it, the beneficiary will have to either take over the payments or refuse the vehicle. As for unsecured debts, such as credit cards, those debts will not pass to a loved one unless that person is a joint account holder. If the person is simply an authorized user but not a joint account holder, that person won't be responsible for the debt. Now, in most cases, credit card debt will be paid from your estate. Estate is a legal term for the assets you leave behind, such as cash in a bank account or maybe a set of tools or collectibles you own. To satisfy the creditors, the executor of your estate will have to pay bills from those assets. That could involve selling things you left behind to generate enough cash to clear the debts. When settling an estate, creditors are first in line legally. They get paid before anyone else. That means fewer resources will be left for your heirs or to give away to your church or a charity. Fortunately, some assets are not considered part of your estate, including life insurance proceeds and retirement accounts with named beneficiaries. Those are protected against creditors. Let me say a word about medical-related debt. In most cases, a survivor is not directly responsible for that unless he or she co-signed a form pledging financial responsibility. However, laws relating to how debts are handled after death vary from state to state. Nine states in the U-S are what are known as community property states, in which marital assets are owned jointly. Medical debt may be handled differently in those states. Now, I have given you only the general lay of the land regarding what happens to debts after a person dies. It may be wise to consult an estate attorney if you have specific concerns about how debts will be dealt with based on the state you live in or your particular financial situation. You don't want your loved ones to be taken by surprise. On today's program, Rob also answers listener questions: ● Would an iBond or a traditional IRA make sense after maxing out Roth IRAs? ● What happens when trading on a company's stock is frozen? ● What resources should you look into for college scholarships? ● How can you roll investments into I-bonds? RESOURCES MENTIONED: ● Scholarships.com ● Fastweb.com ● collegeboard.org Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

One of the facts of life is that each of us will die someday and everything we have will be left behind, including our debts. So, who will have to pay those debts? Today, we'll be talking about debt after life and how it can affect your loved ones and beneficiaries. Often on Mondays, we focus on foundational matters related to finances. And you may recall that our teaching model centers around the five basic things you can do with your money. You can earn it, live on it, give it away, owe it to someone, and you can grow it by investing. Earn, live, give, owe, and grow. Today, we're focusing on owing money and on a particular aspect of that topic that perhaps you haven't thought about: namely, what happens to your debts when you die? Of course, those debts won't be of much concern to you at that point, but they could be of great concern to those you leave behind. Many people assume that when they pass away, their debts will be written off by creditors and not collected. Well, that is true with regard to some debts. But it is the exception, not the rule. The U-S government does write off federal school loans when the person who owes the money dies. And that extends to PLUS loans parents take out for their children's education. In fact, if either a parent or the student dies, the loan is written off. One other possible exception is small medical debts. Sometimes medical providers will write those off, but they are under no obligation to do so. As for other kinds of debt, those obligations do not go away. They'll be assigned to other people who will become responsible for paying them, or they'll be paid from the proceeds of your estate. We'll explain that in a moment. But first, you need to understand that there are two types of debt: secured debt and unsecured. A secured debt is anything that has collateral that is, something the creditor could take and sell to pay the debt if it came to that. Secured debt includes things such as a home mortgage and a car loan. A creditor could foreclose on a house or repossess a car. Those are secured debts. In contrast, unsecured debt has no collateral. Credit cards fall into that category. Typically, a secured debt will pass to a beneficiary. If your spouse becomes the sole owner of the house when you pass away, and you still have a mortgage on it, he or she will be responsible for continuing the payments. If you bequeath your car to a loved one, and it still has a loan on it, the beneficiary will have to either take over the payments or refuse the vehicle. As for unsecured debts, such as credit cards, those debts will not pass to a loved one unless that person is a joint account holder. If the person is simply an authorized user but not a joint account holder, that person won't be responsible for the debt. Now, in most cases, credit card debt will be paid from your estate. Estate is a legal term for the assets you leave behind, such as cash in a bank account or maybe a set of tools or collectibles you own. To satisfy the creditors, the executor of your estate will have to pay bills from those assets. That could involve selling things you left behind to generate enough cash to clear the debts. When settling an estate, creditors are first in line legally. They get paid before anyone else. That means fewer resources will be left for your heirs or to give away to your church or a charity. Fortunately, some assets are not considered part of your estate, including life insurance proceeds and retirement accounts with named beneficiaries. Those are protected against creditors. Let me say a word about medical-related debt. In most cases, a survivor is not directly responsible for that unless he or she co-signed a form pledging financial responsibility. However, laws relating to how debts are handled after death vary from state to state. Nine states in the U-S are what are known as community property states, in which marital assets are owned jointly. Medical debt may be handled differently in those states. Now, I have given you only the general lay of the land regarding what happens to debts after a person dies. It may be wise to consult an estate attorney if you have specific concerns about how debts will be dealt with based on the state you live in or your particular financial situation. You don't want your loved ones to be taken by surprise. On today's program, Rob also answers listener questions: ● Would an iBond or a traditional IRA make sense after maxing out Roth IRAs? ● What happens when trading on a company's stock is frozen? ● What resources should you look into for college scholarships? ● How can you roll investments into I-bonds? RESOURCES MENTIONED: ● Scholarships.com ● Fastweb.com ● collegeboard.org Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

One of the facts of life is that each of us will die someday and everything we have will be left behind, including our debts. So, who will have to pay those debts? Today, we'll be talking about debt after life and how it can affect your loved ones and beneficiaries. Often on Mondays, we focus on foundational matters related to finances. And you may recall that our teaching model centers around the five basic things you can do with your money. You can earn it, live on it, give it away, owe it to someone, and you can grow it by investing. Earn, live, give, owe, and grow. Today, we're focusing on owing money and on a particular aspect of that topic that perhaps you haven't thought about: namely, what happens to your debts when you die? Of course, those debts won't be of much concern to you at that point, but they could be of great concern to those you leave behind. Many people assume that when they pass away, their debts will be written off by creditors and not collected. Well, that is true with regard to some debts. But it is the exception, not the rule. The U-S government does write off federal school loans when the person who owes the money dies. And that extends to PLUS loans parents take out for their children's education. In fact, if either a parent or the student dies, the loan is written off. One other possible exception is small medical debts. Sometimes medical providers will write those off, but they are under no obligation to do so. As for other kinds of debt, those obligations do not go away. They'll be assigned to other people who will become responsible for paying them, or they'll be paid from the proceeds of your estate. We'll explain that in a moment. But first, you need to understand that there are two types of debt: secured debt and unsecured. A secured debt is anything that has collateral that is, something the creditor could take and sell to pay the debt if it came to that. Secured debt includes things such as a home mortgage and a car loan. A creditor could foreclose on a house or repossess a car. Those are secured debts. In contrast, unsecured debt has no collateral. Credit cards fall into that category. Typically, a secured debt will pass to a beneficiary. If your spouse becomes the sole owner of the house when you pass away, and you still have a mortgage on it, he or she will be responsible for continuing the payments. If you bequeath your car to a loved one, and it still has a loan on it, the beneficiary will have to either take over the payments or refuse the vehicle. As for unsecured debts, such as credit cards, those debts will not pass to a loved one unless that person is a joint account holder. If the person is simply an authorized user but not a joint account holder, that person won't be responsible for the debt. Now, in most cases, credit card debt will be paid from your estate. Estate is a legal term for the assets you leave behind, such as cash in a bank account or maybe a set of tools or collectibles you own. To satisfy the creditors, the executor of your estate will have to pay bills from those assets. That could involve selling things you left behind to generate enough cash to clear the debts. When settling an estate, creditors are first in line legally. They get paid before anyone else. That means fewer resources will be left for your heirs or to give away to your church or a charity. Fortunately, some assets are not considered part of your estate, including life insurance proceeds and retirement accounts with named beneficiaries. Those are protected against creditors. Let me say a word about medical-related debt. In most cases, a survivor is not directly responsible for that unless he or she co-signed a form pledging financial responsibility. However, laws relating to how debts are handled after death vary from state to state. Nine states in the U-S are what are known as community property states, in which marital assets are owned jointly. Medical debt may be handled differently in those states. Now, I have given you only the general lay of the land regarding what happens to debts after a person dies. It may be wise to consult an estate attorney if you have specific concerns about how debts will be dealt with based on the state you live in or your particular financial situation. You don't want your loved ones to be taken by surprise. On today's program, Rob also answers listener questions: ● Would an iBond or a traditional IRA make sense after maxing out Roth IRAs? ● What happens when trading on a company's stock is frozen? ● What resources should you look into for college scholarships? ● How can you roll investments into I-bonds? RESOURCES MENTIONED: ● Scholarships.com ● Fastweb.com ● collegeboard.org Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

One of the facts of life is that each of us will die someday and everything we have will be left behind, including our debts. So, who will have to pay those debts? Today, we'll be talking about debt after life and how it can affect your loved ones and beneficiaries. Often on Mondays, we focus on foundational matters related to finances. And you may recall that our teaching model centers around the five basic things you can do with your money. You can earn it, live on it, give it away, owe it to someone, and you can grow it by investing. Earn, live, give, owe, and grow. Today, we're focusing on owing money and on a particular aspect of that topic that perhaps you haven't thought about: namely, what happens to your debts when you die? Of course, those debts won't be of much concern to you at that point, but they could be of great concern to those you leave behind. Many people assume that when they pass away, their debts will be written off by creditors and not collected. Well, that is true with regard to some debts. But it is the exception, not the rule. The U-S government does write off federal school loans when the person who owes the money dies. And that extends to PLUS loans parents take out for their children's education. In fact, if either a parent or the student dies, the loan is written off. One other possible exception is small medical debts. Sometimes medical providers will write those off, but they are under no obligation to do so. As for other kinds of debt, those obligations do not go away. They'll be assigned to other people who will become responsible for paying them, or they'll be paid from the proceeds of your estate. We'll explain that in a moment. But first, you need to understand that there are two types of debt: secured debt and unsecured. A secured debt is anything that has collateral that is, something the creditor could take and sell to pay the debt if it came to that. Secured debt includes things such as a home mortgage and a car loan. A creditor could foreclose on a house or repossess a car. Those are secured debts. In contrast, unsecured debt has no collateral. Credit cards fall into that category. Typically, a secured debt will pass to a beneficiary. If your spouse becomes the sole owner of the house when you pass away, and you still have a mortgage on it, he or she will be responsible for continuing the payments. If you bequeath your car to a loved one, and it still has a loan on it, the beneficiary will have to either take over the payments or refuse the vehicle. As for unsecured debts, such as credit cards, those debts will not pass to a loved one unless that person is a joint account holder. If the person is simply an authorized user but not a joint account holder, that person won't be responsible for the debt. Now, in most cases, credit card debt will be paid from your estate. Estate is a legal term for the assets you leave behind, such as cash in a bank account or maybe a set of tools or collectibles you own. To satisfy the creditors, the executor of your estate will have to pay bills from those assets. That could involve selling things you left behind to generate enough cash to clear the debts. When settling an estate, creditors are first in line legally. They get paid before anyone else. That means fewer resources will be left for your heirs or to give away to your church or a charity. Fortunately, some assets are not considered part of your estate, including life insurance proceeds and retirement accounts with named beneficiaries. Those are protected against creditors. Let me say a word about medical-related debt. In most cases, a survivor is not directly responsible for that unless he or she co-signed a form pledging financial responsibility. However, laws relating to how debts are handled after death vary from state to state. Nine states in the U-S are what are known as community property states, in which marital assets are owned jointly. Medical debt may be handled differently in those states. Now, I have given you only the general lay of the land regarding what happens to debts after a person dies. It may be wise to consult an estate attorney if you have specific concerns about how debts will be dealt with based on the state you live in or your particular financial situation. You don't want your loved ones to be taken by surprise. On today's program, Rob also answers listener questions: ● Would an iBond or a traditional IRA make sense after maxing out Roth IRAs? ● What happens when trading on a company's stock is frozen? ● What resources should you look into for college scholarships? ● How can you roll investments into I-bonds? RESOURCES MENTIONED: ● Scholarships.com ● Fastweb.com ● collegeboard.org Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

La puntata ha inizio con un nostro grande cavallo di battaglia. Diamo infatti notizia di un "No" definitivo all'applicazione di bollette a 28 giorni. La Corte di Cassazione ha giudicato inammissibile il ricorso di Fastweb per «eccesso di potere» contro la sentenza del Consiglio di Stato sulla questione della fatturazione a quattro settimane, che negli scorsi anni ha fatto scattare una serie di sanzioni da parte dell'Agcom anche per Tim, Wind 3 e Vodafone. L'aumento tariffario pari all'8,6% ottenuto con la riduzione a 4 settimane viene considerato «pregiudizievole per l'utenza». Il mercato delle vetture di seconda mano ha subìto una vera e propria impennata, aumentando notevolmente le cifre da investire e al tempo stesso riducendo la disponibilità di vetture a causa dell'elevata domanda. Nell'ultimo anno gli aumenti hanno superato il 20% e in tre anni il costo medio è cresciuto addirittura del 33 per cento. Ne parliamo con Simonluca Pini, esperto di automotive per Il Sole 24 ORE. Nella seconda parte della puntata Parliamo di lavoro ritrovando la voce di Pasquale Staropoli, responsabile della Scuola di Alta Formazione dei Consulenti del Lavoro. L'argomento che approfondiamo in questo appuntamento è la disciplina del lavoro agile, inquadrandola nel contesto di ripresa dopo le ferie estive, che hanno visto cambiare l'organizzazione di molti posti di lavoro. Dal 1° settembre non è più prevista, infatti, la disciplina emergenziale dello smartworking applicata nel corso della pandemia e - a meno che non siano stati firmati accordi con

In arrivo l'abbonamento di Netflix con pubblicità. Ubuntu non piace più. Il Garante della Privacy contro Google Analytics. La chiavetta USB coi dati di tutta una città giapponese. USA, aborto e capitalismo di sorveglianza. Selfie brutti e corsivœ. Queste e molte altre le notizie tech commentate nella puntata di questa settimana. Dallo studio distribuito di digitalia: Franco Solerio, Michele Di Maio, Francesco Facconi Produttori esecutivi: Luca Cipollone, Cristian Vidimari, Edoardo Zini, Alberto Cuffaro, Andrea Bottaro, Fabio Filisetti, Paola Bellini, Valerio Bendotti, Cristiano Belli, Marco Giorgetti, Giuseppe Marino, Matteo Sandri, Luca Di Stefano, Paola Danieli, Mattia Lanzoni, Giulio Magnifico, Diego Violi, Maurizio Mistrali, Carlotta Cubeddu, Massimo Pollastri, Alessandro Lago, Enrico De Anna, Antonio Manna, Roberto Basile, Flavio Castro, Paolo Massignan, Antonio Gargiulo, Douglas Whiting, Dardi Massimiliano, Daniele Tomasoni, Marcello Marigliano, Fabrizio Mele, Manuel Zavatta, Davide Tinti, Nicola Gabriele D., Massimiliano R., Angelo M., Paolo G., Vittorio C., Diego D., Nicola Gabriele D., Alessandro Varesi, Nicola Fort, Daxda, Marco Iannaccone, Popix Links: Period tracking apps and data privacy in a post-Roe v. Wade climate Ubuntu non piace più: ecco i motivi principali Netflix lancerà un abbonamento più economico con pubblicità Il peggior modo in cui perdere una chiavetta USB Al Garante della privacy non piace Google Analytics El Salvador's bitcoin experiment isn't saving the country's finances EU politicians duped into deepfake video calls with mayor of Kyiv What police could find out about your illegal abortion John McAfee's corpse still in Spanish morgue a year after his death The Rise of the 0.5 Selfie Pornhub, tremano i vertici del colosso dei video a luci rosse Alexa potrà imitare la voce dei morti «Parlare in corsivo», cos'è la nuova tendenza social che spopola su TikTok Il caso attorno al corpo di John McAfee “Alexa, clona la voce di nonna” Apple and Android phones hacked by Italian spyware, Google says Amazon let Alexa speak as your relatives from beyond the grave Google: Garante privacy stop all'uso degli Analytics. I nuovi guai di Pornhub Cloud di Stato: Aruba e Fastweb (con Amazon) battono Tim e Leonardo Tesla on track to unveil humanoid robot prototype on AI Day 2 Chora Media compra Will, matrimonio nei podcast-news Cloud di Stato, l'offerta migliore è di Aruba, Fastweb e Amazon Trailer for Stranger Things S4 Part 2 is pretty bleak Perché si parla dei biliardini Patente di Smartphone – Educare alla cittadinanza digitale Technology helps self-driving cars learn from own memories NFT, nuova terra promessa o bias cognitivi: l'origine del loro fascino Le domande tecniche del governo tedesco alla Commissione EU Smartphone e social ai figli, i capi del web li vietano. I motivi Joe Rogan Isn't Spotify's Only Problem Calciobalilla e ping pong come i videopoker: prime multe iOS 16 Will Let iPhone Users Bypass CAPTCHAs iOS 16 will let you skip CAPTCHAs on some websites Uno dei figli di Elon Musk vuole cambiare nome e genere Gingilli del giorno: Servarr Readarr Winter on Fire: Ukraine's Fight for Freedom Super Planet Crash : Can you feel the gravity? Supporta Digitalia, diventa produttore esecutivo.

Quale sarà la professione più richiesta nel prossimo futuro? Quali nuovi lavori 4.0 esistono già? Come ci sono arrivati e dove si sono formati quelli che li svolgono? Ve lo racconteremo in questo nuovo appuntamento, per capire in concreto cosa fanno, e quanto guadagnano, il project manager 4.0, l'esperto di blockchain, il data labeling specialist, il programmatic manager, o il designer di stampe in 3 d. Ma anche che cosa sono il data scientist, lo steam manager, lo chief evangelist, futurologo. È un tema che riguarda tutti, perché se vero che la richiesta del mercato per figure come il data scientist è aumentata del 25%, di oltre il 20 per cento per i social media jobs e per users experience deigners, anche le professioni tradizionali come enologo o magazziniere diventano 4.0.

Interviewing Federico Smanio, Program Director of WeSportUp WeSportUp is Italy's first innovation hub accelerator specifically for health and wellness. The accelerator is part of the initiative of CDP Venture Capital along with Sport and Health and is managed by Startupbootcamp and Wylab. Fastweb, Renault and Telepass are the corporate partners for WeSportUp. The applications to their flagship 3-month accelerator program are open until the 30th of June 2022. Find out more at https://www.wesportup.it In this conversation, Federico talks about his dual career and his journey as a professional footballer in the Italian Serie B league to the program director of Italy's first sports accelerator - WeSportUp. The national innovation fund and the government's involvement in the accelerator. The structure of the accelerator involves two public entities, private partners and commercial corporations. He also talks about the invitation to the flagship accelerator for which 20 startups will be shortlisted of which 10 will make it to the acceleration program that starts in September. Hosted by Rohn Malhotra from SportsTechX - Data & Insights about SportsTech startups and the surrounding ecosystem.

L'ultima puntata della settimana parte sulle note di Justin Timberlake, che ha ceduto per circa 100 milioni di dollari il suo catalogo musicale al fondo di investimento Hipgnosis. Il primo approfondimento è dedicato al tema dei rapporti dormienti. Spesso, per via di una scarsa comunicazione in famiglia, vengono perse cifre importanti. Risparmi messi da parte o investiti dai nostri cari venuti a mancare, che ci spettano e non lo sappiamo. Ne parliamo in diretta su Radio 24 con Laura Tarantino, consulente finanziaria che ha lanciato un'iniziativa di sensibilizzazione sul tema. L'Antitrust ha avviato istruttorie nei confronti di Vodafone Italia, Fastweb, Wind Tre e Telecom Italia. Le Tlc avrebbero emesso fatture per i servizi di telefonia mobile o fissa anche successivamente alla regolare comunicazione, da parte di consumatori e microimprese, della richiesta di cessazione del rapporto. Ne parliamo in diretta con Luigi Gabriele, presidente di Consumerismo, raccogliendo le testimonianze dei nostri ascoltatori.

What to think about before applying to college.In this episode, Trishul and Aaron discuss the planning that parents and students go through before applying for college. Aaron shares his experience as a high school student and how he funded all four years with scholarships. Trishul explains how he started saving two years before his daughter was born. They discuss grants, loans, and the Expected Family Contribution. There are so many resources available to help fund higher education that you need to start researching as early as you can.Episode ReferencesMMS #28. Is a million-dollar higher education worth it?MMS #23. Molly Laughter: How to conquer debt and still get ahead.MMS #81. Molly Laughter: Don't refinance those student loans until you listen to this episode.Fastweb scholarship search (What Aaron used to find so many scholarships)StudentAid.gov EFCFinancial Aid EstimateStudent Aid IndexExpected Family ContributionFinancial Aid SearchSallie Mae scholarship findHow to spot and avoid scholarship scamsPodcast DescriptionWelcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

On this episode we talk about everything related to college, college savings, 529's, scholarships and student loans Whether you're in college now, about to attend, or are thinking about starting college for your kids, this is the episode for you. Headline of the week: How the coronavirus, the internet and tons of money unexpectedly fueled sports cards' biggest boom How much it costs for college: The average cost of attendance for a student living on campus at a public 4-year in-state institution is $25,864 per year, or $103,456 over 4 years. Out-of-state students pay $43,721 per year or $174,885 over 4 years; traditional private university students pay $53,949 per year or $215,796 over 4 years Community College Huge savings over 1st two years, bachelor's degree The average annual tuition for in-district community college attendance is about $4,00 in 2020 Avg student debt: 30,062 coming out of college Sit down with your kids and let them know what school costs in real dollars in their budget once they graduate. Go through a budget with them and show them how that student loan payment is going to impact the money they have available to spend. Always consider in state schools over out of state schools. Generally about a 60-70% savings by staying in the state. **SAVE FOR YOUR RETIREMENT BEFORE YOUR CHILD'S COLLEGE IN A 529** CAN'T GET A LOAN ON YOUR RETIREMENT, BUT CAN GET A LOAN FOR COLLEGE. How to save for college: 529's What is a 529? Tax advantaged account that allows you to save for a child's college. Money can be used for tuition and expenses as well as room and board. Tax deferred money going into account in many cases. Check your state laws. Some states allow for a tax break on a certain amount of contributions per year. Money is tax free if spent on eligible college expenses - room/board/tuition/textbooks How to start a 529 - Each state has state sponsored 529 plans. Clark Howard has THE BEST 529 plan guide we have seen online. We would recommend checking the 529's he's rated on his website to see if he likes them (deans list or honor roll). If he doesn't, the highest rated plan in the country is the Utah Plan. Has super low fees. Link to 529 plan guide on Clark's website: https://clark.com/education/clarks-529-plan-guide/ What investments to do within a 529 - Age based portfolio. Pick the year closest to childs expected college start date. Money gets invested based upon how many years until you need it. Find the funds with the lowest expense ratios just like you do when investing for yourself Start saving BEFORE you have kids - change beneficiary Money leftover? study abroad 529 Money can also be used for private school - new law Ways to get scholarships Fastweb - great scholarship search engine. Can be overwhelming, but search for scholarships LOCALLY. Look up your state representatives (house/senate) and look up their websites.