Have you ever spent time writing a caption for a post, hovered your finger over the “post” button, and then decided that it wasn’t good enough to post? I’ve been there several times myself! I often think I’ll come back to something later, but end up with a draft folder full of ideas that never ‘made the cut.’ But what about that “imperfect” moment, you ask? It’s exactly the kind of content your audience is craving right now. While I don’t recommend flying by the seat of your pants 100% of the time, I do think that adding real moments…
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From May 19 to 21, 2025, education ministry representatives from across Asia-Pacific, Eastern Europe, the Middle East, Central Asia and North Africa gathered in Hanoi, Viet Nam, for a powerful 3-day GPE constituency meeting. This wasn’t just a conference. It was a vibrant exchange of ideas, a celebration of progress and a call to transform education systems globally. From common problems to common solutions During the meeting, country representatives reflected on tough questions: how do we recover from learning loss? What exactly constitutes equity in the classroom? How can technology and teaching work together to unlock every learner’s potential? Systemic…
The governing body for 401(k) plans was established by the Revenue Act of 1978 and the Employee Retirement Income Security Act (ERISA) of 1974. These plans, along with their corollary 403(b) non-profit and 457 government employee plans*, have become the major method for funding employee retirement plans. As of December 31, 2024, these plans hold a total of $8.9 trillion. The Roth IRA was made possible by the Taxpayer Relief Act of 1997, and its provisions made it possible to increase tax-advantaged retirement savings. With the introduction of Roth 401(k) plans in 2006, the Roth legislation received an additional wrinkle.…
Rules made up, smarter school mapping, and rewriting the script on AI readiness are this week’s signals. Each week, we spotlight signals of change in AI and education – and consider what they might mean for the future of learning in low- and middle-income countries. We use the Three Horizons framework to keep track of what is already improving existing systems, what might soon change the status quo, and what might change learning in the AI age. Upgrade: Systemic change in small steps Chilean teacher’s stamp sparks debate A Chilean teacher’s custom stamp – reading “I suspect use of AI.…
Governments can no longer afford to ignore digital transformation, particularly when it comes to social programs. The numbers tell a compelling story: worldwide investment in digital transformation is expected to reach nearly $4 trillion by 2027, with spending reaching $1.85 trillion in 2023. However, despite this unprecedented investment, 1.4 billion adults worldwide do not have access to formal financial services, and 75% of the poor do not have access to a bank account. 35% of adults in low-income nations opened their first bank account in order to qualify for government assistance. By digitizing these payments, governments could save up to…
The discounted cash flow (DCF) model is one of the most comprehensive valuation methods for estimating a company’s worth. Valuation determines a company’s current value by analyzing financial forecasts of its profits, typically through dividends or cash flows. Another useful valuation method is the discounted dividend model (DDM). Both DCF and DDM focus on understanding present value by projecting future earnings. “Within a company, well-informed valuation enables managers to make wiser decisions regarding capital budgeting and strategic planning,” says Harvard Business School Professor Suraj Srinivasan in the online course Strategic Financial Analysis. “Outside the company, investors need to measure value…
Over $4.3 billion in fines were imposed by financial regulators worldwide in 2024, with 95% of these actions taken by US regulators alone. Several significant fines have been imposed as a result of the increasing focus on anti-money laundering (AML) compliance, including a staggering $3.1 billion fine against TD Bank for AML violations. For financial institutions, this harsh regulatory landscape demonstrates a crucial truth: compliance is no longer optional; it is essential. The Transaction Processing System, or TPS, is an essential but frequently overlooked component of financial compliance. A strong TPS is the foundation for regulatory compliance, audit readiness, and…
If you’ve been around here a while, you’ll know that crunching the numbers to figure out the best time to post on all major social media platforms is basically our love language. And now we have enough data to add Threads to our roster, too! Because even though Threads uses an algorithm to decide what you (and your target audience) sees in the feed, when you post still has an impact. And now we have the data to prove it. We analyzed hundreds of thousands of Threads posts sent through Buffer — 730K posts, to be precise — to figure…
As businesses grow and evolve, they collect reams of data, and over time, that information can become siloed and difficult to use. Recent research suggests that knowledge workers spend more than eight hours per week simply finding and interpreting the information they need to do their jobs. But generative artificial intelligence (Gen AI) can help. Over the last 10 years, I have consulted on digital transformation and AI adoption at large enterprises and have seen firsthand the pivotal role that Gen AI can play in streamlining knowledge management and boosting productivity. One of the most promising ways to deploy AI…
Micro influencer marketing is great for businesses who don’t have the budget to work with Macro influencers, and want to reach a more niche audience. But who are Micro influencers, how much do they charge, and why should Micro influencer marketing be part of your social media strategy? We’re breaking it all down, below. What Is a Micro Influencer? A Micro influencer is a creator who has between 10K and 100K followers on a given social platform. And while their audience may be smaller than Macro influencers, their engagement sure is mighty. Why? Because Micro influencers often come across as…