How The Shift To Adult Learning Is Changing Business

Business people learning about new project..getty

Every business is built on its human resources. Those humans have experienced unprecedented change since 2020 and, with them, the companies they work for.

Many employers are paying more, increasing benefits and adding flexibility to once-rigid scheduling to attract and retain the best talent. Meanwhile, economic uncertainties are causing other companies to rein in costs until they can ride it out. In this tug-of-war, it’s tough to anticipate which approaches can help a business move ahead of its competitors.

It’s not sound strategy to achieve growth by grinding employees down to a nub. Instead, companies should focus on building their employees themselves so they, in turn, can grow the business. Adult learning may be the perfect way to achieve this.

The shift toward helping employees bloom where they are planted is once again changing business as usual. And companies that make that shift accordingly will benefit. Here are a few reasons why you don’t want to miss out.

Adult Learning Lifts Everyone

You have probably heard the Doctor Seuss passage: “The more you read, the more things you shall know. The more that you learn, the more places you shall go.” The value of lifelong learning is virtually indisputable. But it’s no longer just about learning more on the job or reading or traveling more. It’s about adult education.

The “adult” adjective is significant here, and not just because those learning are over the age of majority. It’s used because working adults face a lot more barriers during the learning process. There is the transition back to education, the cost of it, the time needed to devote to it, and all the normal distractions of full-time jobs, kids and—maybe—a social life.

Employers have the perfect opportunity to remove some of those barriers for employees who want to further their education. If employers take advantage of it, they can grow their own talent to right-fit changing needs within their companies.

The vast majority of employees agree that access to professional development opportunities is vital. If granted access, they’re also more likely to continue working for the employer that invested in them.

Retention, engagement, job satisfaction and productivity all rise when employers actively encourage adult education. In that scenario, everyone gets to go places.

Adult Learning Is a Piece of the HR Strategy Puzzle

Automation spurred by the development of artificial intelligence and machine learning is also changing the face of business. Long-term HR strategies must consider the impact it will have on a company’s workforce. The pegs and the holes are morphing simultaneously.

It’s an almost overwhelming proposition for HR managers. They’re looking at the employee roster and seeing how many people may be made redundant by technology. At the same time, they’re looking at novel positions being created by that technology and wondering where they’ll find the talent to fill them. Adult education should be a piece of this puzzle.

Automation potential in emerging technology will change everything from sales and marketing to customer service and fulfillment. In fact, it’s already altering roles and accelerating the changes daily. Company leadership needs to peer down the road and plan accordingly.

Consider those employees whose roles will be replaced by automation. Provide the educational opportunities they need to move into newly created roles or to handle future roles the latest technological advances will demand. A savvy reskilling strategy is a great way to retain a company’s best and brightest.

Taking the long view will also transform other HR functions, such as creating job postings, recruiting, hiring and onboarding. Of course, technology has challenged the status quo since the invention of the wheel. Adult education will help companies meet the challenges today’s tech developments pose.

Adult Learning Promotes Diversity

The pandemic, social unrest and sharp political divides have prompted companies to confront their diversity demons. Diversity, equity and inclusion have reshaped everything from board and C-suite agendas to the exit interview. No one said altering hundreds of years of collective corporate histories would be easy.

Most companies continue to struggle with reaching the DE&I goals they have set. In fact, many have made little headway at all. And if they manage to get diversity right, they can’t seem to follow through with the equity and inclusion bits.

Creating a diverse workforce requires a sea change in multiple business practices, from the writing of job descriptions to eliminating recruiter bias. Adult learning shouldn’t be overlooked as a potential path to achieving even the most ambitious diversity goals. And it can do so on two key fronts.

First, adult education on diversity issues for leadership and HR can alter entrenched perspectives from the top down. Second, companies can offer educational opportunities to current team members. Employees of certain races, social backgrounds, genders and sexual orientations may have lacked some of the educational opportunities of their white, male, cisgendered colleagues. Adult learning can narrow that gap. And once these diverse employees are on the job, continuing education can keep more of them advancing within the company.

Using adult education as a tool for creating a truly diverse, equitable and inclusive workforce is shrewd. It makes companies less reliant on market forces and more self-reliant. They’re creating their own success from within, rather than paying lip service to DE&I goals.

Making the Shift

Education can be the key to success in business. Employees know that, and they’re often enthusiastic about furthering theirs to advance their careers. Companies need to embrace and support those employees.

So many forces are changing how business is done these days. Adult learning is an easy and profitable one that will take employees and employers to the head of the class.

John Hall is a top motivational speaker and the co-founder of Calendar, a scheduling and time management app.

Source: How The Shift To Adult Learning Is Changing Business

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10,000 Steps Per Day? Fitness Trackers Push It, But How Many Do You Really Need?

Peter Muller/Getty Images/Cultura RF 

There’s nothing magical about the number 10,000. In fact, the idea of walking at least 10,000 steps a day for health goes back decades to a marketing campaign launched in Japan to promote a pedometer. And, in subsequent years, it was adopted in the U.S. as a goal to promote good health. It’s often the default setting on fitness trackers, but what’s it really based on?

“The original basis of the number was not scientifically determined,” says researcher I-Min Lee of Brigham and Women’s Hospital. She was curious to know how many steps you need to take a day to maintain good health and live a long life, so she and her colleagues designed a study that included about 17,000 older women. Their average age was 72. The women all agreed to clip on wearable devices to track their steps as they went about their day-to-day activities.

It turns out that women who took about 4,000 steps per day got a boost in longevity, compared with women who took fewer steps. “It was sort of surprising,” Lee says. In fact, women who took 4,400 steps per day, on average, were about 40 percent less likely to die during the follow-up period of about four years compared with women who took 2,700 steps. The findings were published Wednesday in JAMA Internal Medicine.

Another surprise: The benefits of walking maxed out at about 7,500 steps. In other words, women who walked more than 7,500 steps per day saw no additional boost in longevity. “I love this study. I think it’s really good news for women who may not be particularly active,” says Kathleen Janz, who studies how physical activity influences health at the University of Iowa. She was not involved in this study.

Janz, who helped shape the new federal exercise recommendations released last November, says the message that comes from this study is that older women can benefit from just light walking. “They didn’t need to go the gym or invest in a personal trainer or exercise equipment,” she says. All they had to do was walk. And Janz says that’s encouraging.

“To me, this study suggests there’s more benefit to light activity than we were previously thinking there might be,” she says. Of course, the researchers point out, they would like to know much more about how walking may affect other health parameters such as quality of life and memory and cognitive function. It’s possible that walking a greater number of steps each day could influence these outcomes.

Another thing Janz notes is that this study only measures walking. It didn’t measure things that many of us do that don’t require steps, things like gardening, swimming or biking. And it’s safe to assume some women in the study were doing these other things that can influence health as well.

And Janz says to remember the federal exercise guidelines call for 150 minutes per week of moderate physical activity, which includes all kinds of daily movement, not just steps.

So, if 10,000 steps has been feeling out of reach to you, it may be time reset those factory settings on your fitness tracker. Instead, try to hit at least 4,400 a day, along with daily activities that you enjoy. And stick to it.

Allison Aubrey - 2015 square

By:

Source: 10,000 Steps Per Day? Fitness Trackers Push It, But How Many Do You Really Need? : Shots – Health News : NPR

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How Startups Can Benefit from Coworking Spaces

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When you first start your business, your own home may well be all the space you need. But every new business needs to grow. So sooner or later, you’ll find yourself needing a bit more room to work in. Renting or buying your own offices is not always possible at his point – it’s expensive and, for many small businesses, excessive. So what is the solution?

Well, startups can benefit from coworking spaces, so this is one option you may want to consider. And it’s not just because they’re budget-friendly either; there are other ways in which coworking spaces can be helpful to a business that’s just starting out.

What are coworking spaces?

Simply put, a coworking place is a temporary office space you share with other businesses. You can rent a simple desk for yourself, a whole office for all your employees, or a meeting room where you can get together with potential clients. Not only is the space fully furnished, but it also comes with various features such as high-speed Wi-Fi, access to printers, comfortable common spaces, secure lockers, complimentary snacks, and more – depending on the space you choose.

Ways in which startups can benefit from coworking spaces

Although any business can take advantage of coworking spaces, they are especially beneficial for startups because of their flexibility. When you choose coworking spaces over traditional offices, you can:

Save money on rent and utilities

When you’re just starting your business, every penny counts. It is, therefore, essential to find affordable and cost-effective solutions for everything, including office space. For this reason, most small businesses start in a garage or a kitchen. But a time will come when your business outgrows your home, and you need to start thinking about setting up an office.

However, traditional office space is costly to rent and often requires signing a contract for at least a few months, if not longer. So, if you’re looking to get all the advantages of an office without paying an exorbitant price, coworking spaces are the perfect solution. With flexible and affordable pricing plans, they can save you thousands of dollars in rent. Furthermore, you will not have to worry about utilities – electricity, Wi-Fi, water, and cleaning are all included in the price!

Get a great working space for as long as you need

It is an unfortunate truth that starting a business is always a risky endeavor. In the beginning, it is difficult to predict how much profit you’ll make and how much you’ll have to spend on office space. Your situation can change quite drastically quite quickly, so it’s best to have a flexible solution rather than a lengthy rental contract. That’s exactly what coworking spaces provide – you can rent them by the day, week, or month and cancel them on short notice.

Become more productive

If your startup practices work from home, you may find that your productivity is not where it should be. When this happens, it’s good to switch things up and start working from an actual office. Coworking spaces are a convenient and affordable way to do this. You can get your work-life balance back without committing to an office job.

Use the opportunity to network

Coworking spaces are shared among businesses. Even if you rent an entire office for yourself and your team, you’ll still be running into other people in common areas. This is an excellent opportunity to meet business owners like yourself, make connections in your industry, and expand your network.

Some coworking spaces even organize events specifically for this purpose. So don’t miss your chance – who knows whom you might meet through shared office spaces! You may find new business partners, talented employees, or specialists you didn’t even realize you needed.

Learn from other startups and small businesses

Startups and small businesses are the ones that most often rely on coworking spaces, so you’ll probably meet a lot of people just like you. The experts at WP Full Care, who started out just like this, say that that’s one of the best things about coworking spaces – they provide you with a support network. You can talk to others who are facing the same issues and working toward the same goals as you are. So don’t hesitate to initiate a conversation.

Both you and those around you stand to benefit from friendships made in coworking spaces. You can swap experiences and learn from each other about what does and doesn’t work in the world of startups.

What to look for in coworking spaces

Although startups can benefit from coworking spaces in many ways, you’ll only really get the most out of one if you choose well. Much like regular offices, coworking spaces come in many shapes and forms. It’s crucial to find one that fits your needs.

The first thing to look at is the location – there’s no point renting an office across town. Then, take a look at the space on offer – how much room are you getting, and what does it look like? Next, you’ll want to check out the amenities – what is included in the fee?

Finally, but no less importantly, you need to learn the price. It’s best to compare a few options (including the cost of renting traditional office space) because this will help you make the best possible decision. And remember: price on its own doesn’t mean much – take a good look at what you’re getting for the rate you’re paying. You should be aiming for the most cost-effective solution, which is not always the same as the cheapest option.

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Elon Musk’s Twitter Buyout Was A Billion Dollar Windfall For These 13 Hedge Funds

Illustration by Gracelynn Wan for Forbes; Photos by Rodolfo Glcksberg/EyeEmby/Getty Images; Imran Kadir/Getty Images

For many hedge funds, Elon Musk’s $44 billion “forced” purchase of Twitter represented an easy money trade.“You didn’t have to be a genius to realize that he was going to finish that deal,” said Carl Icahn at the Forbes Iconoclast Summit on November 3, adding that he would have considered waging a proxy fight if the deal fell through.

Icahn told the audience at New York’s Historical Society that he made a profit of around $250 million by investing in Twitter this summer. But he was far from the only one to benefit. Regulatory filings show that billionaire-led hedge funds including Citadel Advisors, Millennium Management, D.E. Shaw and Third Point built large positions in Twitter in the second and third quarters, as well as other firms like Pentwater Capital and Farallon Capital.

Musk signed a merger agreement to buy Twitter for $54.20 per share in April, but the stock was trading as low as $32.65 by July when he tried to terminate the deal. That created an arbitrage opportunity for as much as a 66% return for investors who doubted Musk had much of a chance in the Delaware Court of Chancery to back out.

Icahn’s third-quarter 13-F filing with the SEC shows that he owned 12.5 million Twitter shares as of September 30. He said at the Forbes summit he bought in the mid-$30s–if he bought at an average price of $35 per share and made a $19.20 profit on each one when the deal closed at the original price of $54.20 per share on October 28, he would have netted a $240 million profit.

The only fund that made a bigger bet than Icahn was Naples, Florida-based Pentwater Capital Management, founded by Matthew Halbower in 2007. It bought 18.1 million shares during the second quarter and added another 5.3 million shares as of the end of the third quarter.

If it bought those 24 million shares at Twitter stock’s median closing price of $40.16 in the first quarter and $41.05 in the second quarter and held them through the completion of the acquisition in October, it would have made $324 million in profit, though its 13-F filing shows it hedged some of those gains by buying put options as well. Pentwater didn’t respond to a request for comment.

In all, Forbes found 13 hedge funds that spent upwards of $100 million adding to their Twitter stakes between the end of the first quarter and the end of the third quarter this year. We reached out to each fund to ask for average purchase prices, and estimated that they bought at Twitter’s median closing price in each quarter if more precise information wasn’t available. These funds cumulatively purchased more than 10% of the company in the six months leading up to September 30 and likely made well over $1 billion in profits on the deal.

These numbers don’t include any additional shares the firms may have purchased in October, when the margins were slimmer while Musk finalized the acquisition, and don’t include possible trading that took place within each quarter. 13-F filings show a simple snapshot of each firm’s long stock holdings on the last day of each quarter and don’t provide enough information to pin down exact gains and losses, but often represent the most thorough picture of what funds are buying and selling.

The biggest winners included Hong Kong-based Segantii Capital Management, founded by British investor Simon Sadler, and Farallon Capital, the San Francisco-based firm founded by Thomas Steyer in 1986 and now run by Andrew Spokes.

David Einhorn’s Greenlight Capital initiated a position of 4.3 million shares in the third quarter, his 13-F filing shows, and he wrote in a letter to investors viewed by Forbes that the average purchase price was $37.24 per share. He expected that the Delaware Court of Chancery would be wary of inviting future buyer’s remorse suits if it let Musk walk away.

“The case law on this is quite clear. If it were anyone other than Musk, we would handicap the odds of the buyer wiggling out of the deal to be much less than 5%,” Einhorn wrote in the letter prior to the completion of the deal. “At this price there is $17 per share of upside if TWTR prevails in court and we believe about $17 per share of downside, if the deal breaks. So, we are getting 50-50 odds on something that should happen 95%+ of the time.”

Musk saw the writing on the wall and reversed course in October, agreeing to pay the full price as these investors expected. His first weeks as Twitter’s owner have been marked by confusion and complaints after he opened verification to anyone willing to pay $8 per month, causing a wave of “verified” parody accounts, and laid off 3,700 employees, almost half of its staff. He has warned Twitter’s staff that “bankruptcy is not out of the question,” but if his $44 billion equity investment goes up in smoke, the hedge funds he paid that cash to will be laughing all the way to the bank.

I’m a reporter on Forbes’ money team covering investing trends and Wall Street’s difference-makers. I’ve reported on the world’s billionaires for Forbes’ wealth team

Source: Elon Musk’s Twitter Buyout Was A Billion Dollar Windfall For These 13 Hedge Funds

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Banks Are Giving The Ultra-Rich Cheap Loans To Fund Their Lifestyles

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Billionaire hedge fund manager Alan Howard paid $59 million for a Manhattan townhouse in March. Just two months later he obtained a $30 million mortgage from Citigroup Inc.

Denis Sverdlov, worth $6.1 billion thanks to his shares in electric-vehicle maker Arrival, recently pledged part of that stake for a line of credit from the same bank. For Edgar and Clarissa Bronfman the loan collateral is paintings by Damien Hirst and Diego Rivera, among others. Philippe Laffont, meanwhile, pledged stakes in a dozen funds at his Coatue Management for a credit line at JPMorgan Chase & Co.

In the realm of personal finance, debt is largely viewed as a necessary evil, one that should be kept to a minimum. But with interest rates at record lows and many assets appreciating in value, it’s one of the most important pieces of the billionaire toolkit — and one of the hottest parts of private banking.

Thanks to the Bronfmans, Howards and Sverdlovs of the world, the biggest U.S. investment banks reported a sizable jump in the value of loans they’ve extended to their richest clients, driven mainly by demand for asset-backed debt.

Morgan Stanley’s tailored and securities-based lending portfolio approached $76 billion last quarter, a 43% increase from a year earlier. Bank of America Corp. reported a $67 billion balance of such loans, up more than 20% year-over-year, while loans at Citigroup’s private bank — including but not limited to securities-backed loans — rose 17%. Appetite for such credit was the primary driver of the 21% bump in average loans at JPMorgan’s asset- and wealth-management division. And at UBS Group AG, U.S. securities-based lending rose by $4 billion.

Borrowing Binge

“It’s a real business winner for the banks,” said Robert Weeber, chief executive officer of wealth-management firm Tiedemann Constantia, adding his clients have recently been offered the opportunity to borrow against real estate, security portfolios and even single-stock holdings.

Spokespeople for Howard, Arrival and Laffont declined to comment, while the Bronfmans didn’t respond to a request for comment.

Rock-bottom interest rates have fueled the biggest borrowing binge on record and even billionaires with enough cash to fill a swimming pool are loathe to sit it out.

And for good reason. With assets both public and private at historically lofty valuations, shareholders are hesitant to cash out and miss higher heights. Appian Corp. co-founder Matthew Calkins has pledged a chunk of his roughly $3.5 billion stake in the software company — whose shares have risen about 145% in the past year — for a loan.

“Families with wealth of $100 million or more can borrow at less than 1%,” said Dan Gimbel, principal at NEPC Private Wealth. “For their lifestyle, there may be things they want to purchase — a car or a boat or even a small business — and they may turn to that line of credit for those types of things rather than take money from the portfolio as they want that to be fully invested.”

Yachts and private jets have been especially popular buys in the past year, according to wealth managers, one of whom described it as borrowing to buy social distance.

‘Significant Benefit’

Loans also allow the ultra-wealthy to avoid the hit of capital gains taxes at a time when valuations are high and rates are poised to increase, perhaps even almost double. Postponing tax is a “significant benefit” for portfolios concentrated and diversified alike, according to Michael Farrell, managing director for SEI Private Wealth Management.

Critics say such loans are just one more wedge in America’s ever-widening wealth gap. “Asset-backed loans are one of the principal tools that the ultra-wealthy are using to game their tax obligations down to zero,” said Chuck Collins, director of the Program on Inequality and the Common Good at the Institute for Policy Studies.

While using public equities as collateral is the most common tactic for banks loaning to the merely affluent, clients further up the wealth scale usually have a bevy of possessions they can feasibly pledge against, such as mansions, planes and even more esoteric collectibles, like watches and classic cars.

One big advantage for the wealthy borrowing now is the possibility that rates will ultimately rise and they can lock in low borrowing costs for decades. Some private banks offer mortgages on homes for as long as 20 years with fixed interest rates as low as 1% for the period.

The wealthy can also hedge against higher borrowing costs for a fraction of their pledged assets’ value, according to Ali Jamal, the founder of multifamily office Azura.

“With ultra-high-net worth clients, you’re often thinking about the next generation,” said Jamal, a former Julius Baer Group Ltd. managing director. “If you have a son or a daughter and you know they want to live one day in Milan, St. Moritz or Paris, you can now secure a future home for them and the bank is fixing your interest rate for as long as two decades.”

Risks Involved

Securities-based lending does comes with risks for the bank and the borrower. If asset values plunge, borrowers may have to cough up cash to meet margin calls. Banks prize their relationships with their richest clients, but foundered loans are both costly and humiliating.

Ask JPMorgan. The bank helped arrange a $500 million credit facility for WeWork founder Adam Neumann, pledged against the value of his stock, according to the Wall Street Journal. As the value of the co-working startup imploded, Softbank Group Corp. had to swoop in to help Neumann repay the loans and avert a significant loss for the bank. A spokesperson for JPMorgan declined to comment.

Still, for the banks it’s a risk worth taking. Asked about securities-backed loans on last week’s earnings call, Morgan Stanley Chief Financial Officer Sharon Yeshaya said they’d “historically seen minimal losses.” Among the bank’s past clients is Elon Musk, who turned to them for $61 million in mortgages on five California properties in 2019, and who also has Tesla Inc. shares worth billions pledged to secure loans.

“As James [Gorman] has always said, it’s a product in which you lend wealthy clients their money back,” Yeshaya said, referring to Morgan Stanley’s chief executive officer. “And this is something that is resonating.”

By: Devon Pendleton and Ben Stupples (Bloomberg)

Source: Banks Are Giving the Ultra-Rich Cheap Loans to Fund Their Lifestyles | Wealth Management

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Related contents:

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