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The Intersection of Real Estate and Fintech: Evolution, Impact of Policies, and Global Dynamics – CXOToday.com

Posted: December 31, 2023 at 1:56 am

CXOToday has engaged in an exclusive interview with Chirag Mehta, Founder, Arbour Investments

Q How do you envision real estate fintech evolving in the next 5-10 years, and what key technological advancements do you anticipate will drive this evolution?

In the next 5-10 years, real estate fintech is expected to undergo significant evolution, driven by technological advancements that will improve efficiency, streamline processes, and enhance user experiences. Some key technological advancements and trends that will shape the real estate fintech landscape include:

Automation:AI will play a crucial role in automating processes such as property search, asset evaluation, risk analysis, and general management tasks, leading to better offers, faster deals, and safer investments.

Blockchain:Blockchain technology will continue to gain traction in real estate fintech, providing a secure and transparent platform for recording and managing property transactions.

Data Analysis:Advanced data analysis tools will help real estate professionals better understand market trends, property valuations, and investment opportunities.

Digital Payment Systems:The adoption of digital payment systems will become more widespread, enabling faster and more secure transactions in real estate.

Tech-Enabled Underwriting and Servicing:Fintech solutions will leverage technology to improve the underwriting and servicing processes, making it easier for businesses to access financing and manage their properties.

Platforms Leveraging FinTech:As the real estate ecosystem evolves, platforms that combine fintech and real estate will expand their offerings through acquisitions, product development, or partnerships, owning more of the real estate transaction cycle.

Faster Payment Cycles:Fintech solutions will accelerate payment periods, making it easier for businesses to manage cash flow and invest in property improvements.

These technological advancements will not only streamline processes but also create new opportunities for innovation and growth in the real estate fintech sector. As a result, we can expect to see a more efficient, user-friendly, and transparent real estate market in the coming years.

Q How have recent government policies and incentives affected the real estate landscape?

Recent government policies and incentives in India have significantly affected the real estate landscape. Some of the key effects include:

Implementation of RERA (Real Estate Regulatory Authority):In 2016, the Indian government implemented RERA to increase transparency and confidence in the real estate sector, which in turn increased demand for property and pushed up prices.

Taxation policies:Changes to taxation policies, such as stamp duty, registration fees, and capital gains taxes, have increased the cost of buying and selling property, directly impacting real estate prices.

Investment incentives:Government initiatives like the Real Estate Investment Trust (REIT) and the Affordable Housing Scheme have encouraged foreign investment in the real estate sector, increasing investment and pushing up prices in certain areas.

Environmental sustainability:The Indian governments incentives, such as tax breaks, low-interest loans, and subsidies for energy-efficient materials, have promoted green and sustainable development in the real estate sector.

Affordable housing:The government has launched initiatives like Pradhan Mantri Awas Yojana Gramin, which aims to build 10.2 million dwellings for the rural poor by 2019, and Pradhan Mantri Awas Yojana Urban, which aims to create 12 million new houses for the urban poor by 2022. These initiatives have boosted the affordable housing segment, attracting more investors and buyers.

Ease of doing business:The government has been working on simplifying processes and reducing costs for real estate developers, such as easing compliance and relaxing norms for foreign investment.

Infrastructure push:The government is expected to announce incentives that will boost the growth of the sector, such as reducing transaction costs and expanding the SWAMIH Fund, which ensures the completion of projects and boosts homebuyer confidence.

These policies and incentives have shaped the real estate landscape in India, driving growth, investment, and innovation in the sector.

Q In the context of real estate transactions, how can real estate solutions contribute to improving efficiency, transparency, and accessibility for both buyers and sellers? Are there specific challenges in the real estate industry that fintech is particularly well-suited to address?

Real estate solutions can contribute to improving efficiency, transparency, and accessibility for both buyers and sellers. Fintech, a combination of financial technology, has been particularly well-suited to address specific challenges in the real estate industry, such as:

Lack of transparency:Fintech solutions can provide a transparent platform for recording and managing property transactions, ensuring that all parties involved have access to accurate and up-to-date information.

Poor data management:Fintech can improve data management by streamlining processes and reducing errors, making it easier for all stakeholders to access and understand the information they need.

Slow decision-making:Fintech solutions can expedite operations by automating processes such as property search, asset evaluation, risk analysis, and general management tasks, leading to faster and more informed decisions.

Inefficient transactions:Fintech can help accelerate payment periods, making it easier for businesses to access financing and manage their properties.

Limited accessibility:Fintech has democratized real estate investment, allowing people of all income levels to participate in the market through platforms like crowdfunding.

Cybersecurity threats:Fintech solutions can help protect against potential data breaches and ensure that payment or other aspects of the deal process are as secure as possible.

Loss of face-to-face encounters:Fintech can help maintain relationships and trust in the real estate industry despite the increasing reliance on digital solutions.

By leveraging fintech solutions, the real estate industry can overcome these challenges and continue to evolve, offering better experiences for buyers, sellers, and other stakeholders.

Q With the increasing use of blockchain technology, how do you see it impacting the real estate fintech landscape, particularly in terms of security, trust, and streamlining processes like property transactions and title management?

Blockchain technology is poised to have a transformative impact on the real estate fintech landscape, particularly in terms of security, trust, and streamlining processes like property transactions and title management. Some of the key impacts and benefits of blockchain in real estate include:

Increased Transparency and Trust:Blockchain technology creates more transparency, minimizes fraud, and reduces the need for intermediaries, thereby instilling confidence in buyers, sellers, and investors.

Streamlined Processes:Blockchain enables the use of smart contracts and tokenization to streamline real estate processes, making them more efficient and accurate.

Reduced Costs and Increased Accessibility:By eliminating intermediaries, blockchain technology reduces costs, making real estate investing more cost-effective and inclusive, and lowering the barrier to entry for investors.

Facilitating International Investments and Fractional Ownership:Blockchain can facilitate international real estate investments and codify the practice of fractional ownership, opening up new opportunities for investors.

Challenges and Considerations:While blockchain offers significant benefits, challenges such as the complexity of integration with existing real estate systems and the need for widespread adoption across the industry should be considered.

Blockchain technology is set to revolutionize the real estate fintech landscape by enhancing security, trust, and efficiency, and by making property transactions and title management more accessible and cost-effective for all stakeholders.

Q As the world becomes more interconnected, cross-border real estate transactions are becoming more common. How can real estate institute facilitate and streamline international real estate investments, and what challenges need to be addressed in this globalized context?

Real estate institutes can play a pivotal role in facilitating and streamlining international real estate investments through various means. These institutes can provide education and training on global real estate markets, including the associated risks and returns, macroeconomic and geopolitical considerations, and the identification of opportunities.

They can also offer insights into international real estate development, global real estate investment trusts (REITs), global mortgage products, and mortgage-backed securities (MBS), as well as the international taxation of real estate. By equipping real estate professionals and investors with this knowledge, institutes can help them make informed decisions when engaging in cross-border transactions.

Furthermore, real estate institutes can provide access to global networks of real estate professionals, investors, and developers. These networks can offer valuable connections and partnerships, which are essential for navigating the complexities of international real estate investments. Additionally, these institutes can offer resources and tools for due diligence, market analysis, and risk management, which are crucial for assessing and mitigating the unique risks associated with international real estate transactions.

Despite the potential benefits, there are several challenges that need to be addressed in the context of globalized real estate transactions. One significant challenge is the differences in legal and regulatory frameworks across countries. Navigating these variations requires a deep understanding of local laws and regulations, which can be facilitated through the resources and networks provided by real estate institutes. Currency exchange rates, language barriers, and cultural differences also present challenges in international real estate transactions. Real estate institutes can help address these challenges by providing access to language and culture-specific resources, as well as by offering guidance on navigating currency exchange and international business practices.

Moreover, varying levels of transparency and data availability in different countries can pose challenges for international real estate investments. Fintech solutions, such as blockchain technology, can help address this issue by providing a transparent platform for recording and managing property transactions. Blockchain technology can also facilitate international real estate investments and codify the practice of fractional ownership, opening up new opportunities for investors.

In conclusion, real estate institutes are instrumental in facilitating and streamlining international real estate investments by providing education, resources, and access to global networks. Fintech solutions particularly block chain technology, can help address challenges related to transparency, trust, and efficiency in cross-border real estate transactions. By leveraging the expertise of real estate institutes and the innovative capabilities of fintech, investors and professionals can navigate the complexities of international real estate transactions more effectively.

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Kyle Richards’ Style Evolution: Her Best Looks – Us Weekly

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Kyle Richards takes fashion seriously.

Through the years, The Real Housewives of Beverly Hill star has captivated Us with her luxurious style sense while also giving fans a glimpse of her life on TV. When it comes to her closet, Richards wardrobe consists of a few staples: Kemo Sabe hats, Herms Birkin bags and an array of perfectly tailored suits.

While celebrating the holidays in Aspen with her family, including estranged husband Mauricio Umansky, in December 2023, she was spotted out and about in the ski town wearing a wide-brimmed Kemo Sabe design paired with a Prada puffer jacket, gray jeans and Prada snow boots. She accessorized with dangling feather earrings and wore her hair in a chic braid.

A month before the winter getaway, Richards was a fierce sight at Varietys Women of Reality TV celebration, rocking a black blazer adorned with gold buttons, wide-leg pants and a croc-embossed Herms Kelly bag. (Richards coily revealed she owns 18 Birkin bags during a sit-down with Bravo in December 2023)

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Criminal Minds: Evolution Season 2’s "Deeper Secrets" Teased By Aisha Tyler – Screen Rant

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Summary

With production expected to start soon, Aisha Tyler teases the "deeper secrets" to come from Criminal Minds: Evolution season 2. The fan-favorite CBS crime procedural returned in the 2022 Paramount+ show with the team of the FBI's Behavior Analysis Unit learning of the rise of a network of serial killers led by Zach Gilford's Elias Voit. Utilizing a more serialized approach to its 10-episode season than the generally disconnected procedural format of its past, Evolution proved to be a hit for the streaming platform, landing a season 2 order halfway through its run.

While speaking with Screen Rant for the Archer series finale, Tyler was asked for some insight on the upcoming Criminal Minds: Evolution season 2. Though keeping mum on specific details for the next episodes, the star did excitedly tease that the show's next chapter will offer some "deeper secrets" for the mysteries set up in the prior season and praised its new streaming home for helping benefit the show. Check out what Tyler shared below:

We set up a lot of really great golden threads last season that I think are going to start to pay off almost right away in the next season. There's obviously some deeper stuff, deeper secrets, layers of hidden intrigue that we just started to kind of pry open at the end of last season, and I think it's gonna be a really, really big, fun, season 17 for Criminal Minds revisited.

But, you know, season 17, it's like, I'm just super lucky to have been on multiple shows that have gone as long as they have, and for Criminal Minds Evolution, to be able to just do more. We've got more time on streaming, we can be a little bit more mature, or more thoughtful. I think people are going to really enjoy how this stuff is going to start to unspool in this new season of CME.

Though season 2 is expected to be a blend of the serialized format of season 1 and the procedural formula used by the original show, there are a number of questions Criminal Minds: Evolution has to answer going into its next season. One of the biggest is the exact nature behind "Gold Star", the phrase uttered by Voit during a heated conversation with Nicholas D'Agosto's Deputy Director Doug Bailey. Some theories point to this being part of the interconnected serial killers, while others argue it stems from some classified government information, especially as Lewis' ex-girlfriend and prosecutor Rebecca seems to have some knowledge of its origin.

Another point of curiosity is what comes next for Voit within the show. Despite his involvement in a wide spree of killings, showrunner Erica Messer has teased that the character will be something of a Hannibal-like figure heading into Evolution season 2, indicating that he would not only avoid being sentenced to death, but would engage in a game of mental chess with the BAU for whether they can effectively end the killer network. Much like Hannibal, however, this could result in his escaping the FBI and resume his own killings in the world.

The biggest mystery longtime fans of the show want to see resolved in Criminal Minds: Evolution season 2 is the return of Matthew Gray Gubler's Spencer Reid. The beloved character didn't appear in season 1 due to a scheduling conflict, with his whereabouts kept vague in order to leave the door open for his return, and Gubler himself has expressed an openness to reprise the role, though no confirmation has been made as of yet. With filming still not yet begun on the next episodes, one can hope that Gubler makes a proper deal with the creative team to return and gets a meaningful arc explaining his absence.

In Criminal Minds: Evolution, the FBIs elite team of criminal profilers come up against their greatest threat yet, an UnSub who has used the pandemic to build a network of other serial killers. As the world opens back up and the network goes operational, the team must hunt them down, one murder at a time. Original cast members continuing their roles include Joe Mantegna, A.J. Cook, Kirsten Vangsness, Aisha Tyler, Adam Rodriguez and Paget Brewster. Zach Gilford joins the dynamic cast as a recurring guest star in a season-long arc.

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Saturday: Hili dialogue Why Evolution Is True – Why Evolution Is True

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Welcome to SaturCaturday, December 30, 2023, and, being my birthday, its the LAST DAY OF COYNEZAA. On the Sabbath, too. Its also the worst of all food days: National Baking Soda (Bicarbonate of Soda) Day, presumably to ease your tummy from holiday eating.

Its also Bacon Day (much better, though not kosher), the fifth day of Kwanzaa, and the sixth of the Twelve Days of Christmas.

Readers are welcome to mark notable events, births, or deaths on this by consulting the December 30 Wikipedia page.

Da Nooz:

*I bet a lot of us, including me, have forgotten about the war in Ukraine. Sadly, it doesnt seem to be going well, and on Friday Russia inflicted severe damage on the small country with drone and missile attacks.

Russia fired more than 100 missiles at Ukraine on Friday, President Volodymyr Zelensky said, striking multiple residential buildings, a shopping center and other civilian infrastructure in the biggest barrage so far in an otherwise quiet winter.

The scale of the attack confirmed what many in Ukraine have feared for months that Russia was conserving its missile stocks throughout the fall for massive strikes in the winter. Officials in Kyiv have also warned that stalled U.S. security assistance, which includes ammunition for U.S.-made air-defense systems, could embolden the Russians and place Ukrainian cities in peril.

Britains Defense Minister Grant Shapps said his country was sending hundreds of air-defense missiles to Ukraine to ensure it has what it needs to defend itself from Putins barbaric bombardment.

Putin is testing Ukraines defense and the Wests resolve, hoping he can clutch victory from the jaws of defeat. But he is wrong, Shappssaid in a statement.

The Russians used a mix of ballistic missiles, cruise missiles and drones, Zelensky said. Unlike a year ago, Ukraines improved, Western-provided air-defense systems, which now include the Patriot system, contained the damage, shooting down most of the 110 missiles, the president added. Last year, millions of Ukrainians experienced outages when Russia repeatedly pounded the power grid.

. . . The attacks intended to exhaust Ukraines beefed-up air defense, according to officials hit sites across the country, from Lviv in western Ukraine to Odessa in the south to the capital of Kyiv to Kharkiv and Dnipro in the east. Ukrainian Air Force spokesman Yuriy Ihnattold Ukrainian mediathere had never been so many targets at one time.

One of the missiles was in Polish airspace for a few minutes, which of course entitled Poland to shoot it down. But they lack the capacity. It now looks very dire for Ukraine, and Im sure theyre upset that all the worlds attention is focused on Gaza. And now a lot of Republicans dont seem to want the U.S. to give aid to Ukraine. Im neither a Republican nor agree with that stand.

*Now another state has barred Trump from the Republican primary ballot. That makes two, and for sure its going to the Supreme Court. This was an executive rather than a judicial decision:

Maines top election official Thursday barredDonald Trumpfrom appearing on the states primary ballot, the second time a state knocked the Republican formerpresident off its ballotand escalating a national legal effort to disqualify him from office.

In a 34-pagewritten decision, Maine Secretary of State Shenna Bellows, a Democrat, said the Constitution bars a second Trump term because of his actions surrounding the Jan. 6, 2021, attack on the U.S. Capitol following his loss in the 2020 presidential election.

Her decision, in which she found he is not qualified to hold the office of the President, comes afterColorados highest court ruled last weekthat Trump is ineligible for that states ballot. Both rulings invoked the same section of the post-Civil War 14th Amendment that disqualifies from public office those who swore to defend the Constitution and then engaged in insurrection or rebellion against the U.S.

The provision in the 14th Amendment, intended to keep Confederates from getting governmental power after the Civil War, says this:

No person shall be a Senator or Representative in Congress, or elector of President and Vice-President, or hold any office, civil or military, under the United States, or under any State, who, having previously taken an oath, as a member of Congress, or as an officer of the United States, or as a member of any State legislature, or as an executive or judicial officer of any State, to support the Constitution of the United States, shall have engaged in insurrection or rebellion against the same, or given aid or comfort to the enemies thereof. But Congress may by a vote of two-thirds of each House, remove such disability.

Back to the article:

In Maine, eligibility challenges are first adjudicated administratively. The secretary of states ruling, which she issued after holdinga public hearing, marks the first time that a state election authority has excluded the 2024 Republican presidential front-runner from a primary ballot.

In her decision, Bellows said Trump used a false narrative of election fraud to inflame his supporters to prevent a peaceful transfer of power. She accused him of engaging in incendiary rhetoric and failing to take timely action to stop the assault on the Capitol.

The weight of the evidence makes clear that Mr. Trump was aware of the tinder laid by his multi-month effort to delegitimize a democratic election, and then chose to light a match, she wrote.

*And, in Ohio, the Republican (!) governor vetoed a bill that prevented gender-affirming care as well as trans women from participating in girls and womens sports.

Republican Ohio Gov. Mike DeWine vetoeda measureFriday that would have banned gender-affirming care for minors, casting the action out of step with many in his own party as thoughtful, limited and pro-life.

He simultaneously announced plans to move to administratively ban transgender surgeries until a person is 18, and to position the state to better regulate and track gender-affirming treatments in both children and adults.

Thevetoed billalso would have banned transgender athletes participation in girls and womens sports.

At a news conference, DeWine said he is proposing a hybrid approach to gender-affirming care that he hopes can win the support of legislative Republicans who have the votes to override his veto, if they choose as well as serve as a national model to states, asgender-affirming care restrictionsenacted across the country in recent years face lawsuits.

Ultimately, these tough, tough decisions should not be made by the government. They should not be made by the state of Ohio, DeWine said. They should be made by the people who love these kids the most, and thats the parents. The parents who have raised that child, the parents who have seen that child go through agony, the parents who worry about that child every single day of their life.

I havent a firm position on gender-affirming care except that it should be done by an objective therapist, preferably verified by another, that doctors should not be able to begin medical treatment until the gender-dysphoric child is past puberty, and, no, it should not be solely the parents decision. Im not sure what kind of laws can assure that people can still transition knowing the risks, as some people are happy they made that decision, but there has to be some kind of laws given that until youre is of an appropriate age, youre not considered able to make this kind of decision.

As for trans girls and trans women participating in womens sports, thats a big NO to me on the grounds of fairness, and because of the athletic advantage that trans women have. Womens sports should be a womens space except in those sports where theres not a palpable sex difference in ability. Womens sports in Ohio are now doomed, and the governors veto her was very unwise. But you cant veto only part of a bill. They need new legislation that just bans trans women from participating in womens sports.

*Forgetting stuff in your dotage? I am, but its nothing serious, or so I think. If I have a useful thought, I write it down, as Ill often forget it later. Heres some help for the usual memory loss with age in a NYT article called A neurologists tips to protect your memory. Here they are (to see the details of what you have to do, see the article), coming from neurologist Richard Restak:

a.) Pay more attention. Some memory lapses are actually attention problems, not memory problems.

b.) Find regular everyday memory challenges. There are many memory exercises that you can integrate into everyday life. Dr. Restak suggested composing a grocery list and memorizing it. When you get to the store, dont automatically pull out your list (or your phone) instead, pick up everything according to your memory.

c.) Read more novels. [!] One early indicator of memory issues, according to Dr. Restak, is giving up on fiction. People, when they begin to have memory difficulties, tend to switch to reading nonfiction, he said.

I am! Im reading Anthony Doerrs latest novel,Cloud Cuckoo Land

d. ) Beware of technology. Among Dr. Restaks three new sins of memory, two are associated with technology. First is what he calls technological distortion. Storing everything on your phone means that you dontknow it, Dr. Restak said, which can erode our own mental abilities. . . . The second way our relationship with technology is detrimental for memory is because it often takes our focus away from the task at hand.

e.) Work with a mental health professional if you need to. Your mood plays a big role in what you do or do not remember. . . Depression, for instance,can greatly decrease memory. Among people who are referred to neurologists for memory issues, one of the biggest causes is depression, Dr. Restak said. . . . . Your emotional state affects the kind of memories you recall.

f.) Determine whether there is cause for concern. not all memory lapses are problematic. For instance, not remembering where you parked your car in a crowded lot is pretty normal. Forgetting how youarrivedat the parking lot in the first place, however, indicates potential memory issues.

To see if you have a concerning problem, there are doctors who can give you memory tests, and some kinds of dementia can be diagnosed with spinal taps.

*Barry points us to a new Smithsonian article which we all need to read: Thirteen discoveries made about human evolution in 2023. Its very useful to keep up with our genus, and Ill give just four of the 13 discoveries:

Cut marks on a 1.45-million-year-old leg bone are potential evidence for hominins butchering and eating each other. It seems Neanderthals may not have been the only ones with eclectic taste buds. While finding cut marks on animal bones is fairly common after the advent of stone tools in the archaeological record, findingcut marks on hominin bones is much more surprising.

Earliest use of wood for structural purposes is discovered in Zambia. Although stone tools get much of the attention in human evolution, ancient tools were sometimes made from other materials that do not preserve as well as stone. Astudypublished in September by Lawrence Barham and colleagues presentsevidence for the oldest structural use of woodlogs used to build a structure dating to 476,000 years ago.

Homo sapiens originate from two or more African paleo-populations. The researchers used computer modeling to suggest thatour species arose from at least two African populations that interacted and interbred with each other. Fossils from these populations would likely be physically and genetically similar. This study indicates that our species did not arise from a single geographically isolated origin population in Africa.

Homo sapiens were in southeast Asia thousands of years earlier than expected. While ancient DNA allows researchers to investigate our species African origins, new fossils and archaeological sites can shed light on when our ancestors migrated to new places outside of Africa. Apaperpublished in June by Sarah Freidline and colleagues describes new fossils and dates for members of our own species Homo sapiens and found thathumans reached Southeast Asia sometime between 68,000 and 86,000 years ago.

The last one is the most interesting to me because its widely accepted that all modern H. sapiens come from a single migration event out of Africa that occurred about 50,000 years ago. If thats the case, then a different form of Homo, represented by only two bones (part of a skull and tibia) found in a cave in Laos, left Africa a lot longer ago than we think, but then these far-traveling migrants went extinct without leaving descendants.

Meanwhile in Dobrzyn, all three cats wished me a happy birthday! (Im told that Hili is referring to my battles against creationism, wokeness, and antisemitism.)

Kulka: Today is Jerrys birthday.

Hili: You dont have to remind me.Happy birthday, Jerry. I wish you many victorious duels in the next year.

Szaron: Many happy returns of the day.

In Polish:

Kulka: Dzi urodziny Jerrego.

Hili: Nie musisz mi przypomina. Wszystkiego najlepszego, Jerry. ycz ci wielu zwyciskich pojedynkw w przyszym roku.

Szaron: Many happy returns of the day, Jerry.

*******************

From Linda, a Mike Lukovich editorial cartoon. (I presume you get the reference.)

A DUCK cartoon on Rubes by Leigh Rubin from July 04, 2017:

From Kristen on Facebook:

From Masih, more brave unveiled Iranian women. They risk a lot taking off the hijab!

From Malcolm, spider cats:

From Jay. This crow appears to be helping the hedgehog across the road. But did the hedgehog get over the curb?

First tweet: I dont understand it. Second: is that some kind of condor? If so, which one?

Not a good move, careerwise. Shes been fired:

The profile:

From the Auschwitz Memorial, a Dutch girl, only a bit less than two years old, was gassed to death upon arrival.

Two tweets from Professor Cobb. First, one he calls La verit. (Come on, you know some French!)

This one is kot in basket. Be sure to watch the whole short video:

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Saturday: Hili dialogue Why Evolution Is True - Why Evolution Is True

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NBA 2K24 MyTEAM New Year Resolution Adds 14 Evolution Cards – ClutchPoints

Posted: at 1:56 am

This allows players a chance to earn select player items like a Pink Diamond Luka Doncic or Klay Thompson.

14 new Evolution Cards are coming to NBA 2K24 MyTEAM tomorrow as part of the New Year's Revolution event. This allows players a chance to earn select player items like a Pink Diamond Luka Doncic or Klay Thompson. For the first time, Pink Diamond Player Cards become directly available in the Player Market, making them a little more simple to earn this time.

The NBA 2K24 New Year's Resolution event begins on December 29th, and adds 14 evolution cards, including:

The highlight player card in all of this includes the Pink Diamond Luka Doncic. Of course, a 96 OVR card of one of the best players in the league is reasonably coveted by many NBA 2K24 MyTEAM players. Now might be the time to consider grading or selling player items to increase your in-game budget.

Of course, we don't imagine the process of unlocking all these cards will be so easy. Therefore, you'll want to brush up on how the Player Market works if you're new to NBA 2K. Additionally, check out our guide on Card grading to help you earn more out of all unwanted items. Overall, you'll need to learn to wheel and deal before snagging some of these items.

Nevertheless, the nice thing about having these cards in the Player and Pack Markets is that you don't need to win any specific challenges to receive them. That should make it easier for new players and those who don't play as often as others.

However, some people might attest to the pay-to-win aspect of this idea. Since these players are available via Pack/Player Market, there's nothing stopping those with deep wallets to just buy their favorite players. Nevertheless, at least free-to-play users still have a shot.

Regardless, we look forward to getting our hands on some valuable MyTEAM items, especially the Pink Luka Doncic. However, the 96 OVR Klay Thompson also looks enticing. The NBA 2K24 New Year Resolution Event begins on December 29th, 2023.

For more gaming and NBA news, visit ClutchPoints.

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dive into the history of NASA’s logo evolution from the space … – Designboom

Posted: November 8, 2023 at 9:19 pm

the worm logo designer receives NASAs exceptional Medal

On November 6th, 2023, NASA recognized designer Richard Danne by presenting him with the Exceptional Public Achievement Medal for creating the NASA worm logotype. It is the continuous wide red line that replaced the space agencys logo for several decades starting in the 1970s. After that, NASA brought back its official insignia known as the meatball, the famous outer-space logo with constellations and a blue background. The space agency has also revived the use of the worm for limited use to complement its meatball sibling.

The medal was presented to Danne after a panel discussion at NASA Headquarters in Washington, discussing the logotype and its cultural influence. NASA says that the award is given to non-government employees for specific achievements or substantial improvement in contribution to the mission of NASA. This event, a culmination of a 50-year trek, is extremely rewarding. Creating the worm for NASA has been a singular achievement in my own career and in the history of design. It has not always been easy but it was a glorious experience, and I feel fortunate to be part of the NASA family and to have helped the agency achieve its missions and goals, says Danne.

the traditional NASA blue circular logo | images by NASA

NASAs official insignia, nicknamed the meatball, arrived during the space agencys second year after it was established. It was designed by employee James Modarelli in 1959 who integrated references to different aspects of the mission of the National Aeronautics and Space Administration with its outer-space look. The round blue mirror represents a planet, the stars represent space, the V-shaped wing indicates aeronautics, and the circular orbit around NASA represents space travel.

For 16 years, the space insignia marked the brand of NASA until 1975 when the space agency decided to create a more modern logo as part of the Federal Design Improvement Program (NASA was strategically chosen to implement the first new brand identity). The space agency tapped the New York firm Danne & Blackburn, which handed over the worm design alongside a detailed design manual that all the centers of the space agency could use and refer to. For 17 years, the worm logo was the official insignia of NASA, but in 1992, it was retired, bringing back the meatball design by James Modarelli.

NASA used the worm logo from 1975 until 1992

It may have taken NASA almost 30 years, but the space agency resurrected the use of the worm logo on souvenir merchandise in 2017, reintroducing the modern face of NASA to the new generation. Then in May 2020, NASA even printed the worm logo on the space rocket of NASAs SpaceX Demo-2 mission prior to its launch and to mark the return of human spaceflight on American rockets from American soil, NASA says. In November 2022, NASA also used the worm logo on its first rocket around the Moon in more than 50 years as part of its Artemis program.

Slowly, the worm logo resurfaced again from the signage and spacecraft to the spacesuits of the agency. Most recently and as seen during the award presentation to Richard Danne, NASA placed a giant worm logo sculpture directly outside its Earth Information Center at its headquarters when it debuted in June 2023. It was during that event that designer Richard Danne saw the sculpture version of his logo design for the first time. In November 2023, the designer came back again to the Mary W. Jackson NASA Headquarters building in Washington, not to see his logo sculpture again, but to be recognized for his and his firms design work that resulted in a recognizable icon.

Richard Danne awarded the Exceptional Public Achievement Medal for his NASA worm logotype on November 6th, 2023 at the Mary W. Jackson NASA Headquarters building in Washington | photo by Keegan Barber

NASA Public Affairs Specialist Megan Cruz delivers remarks during a dedication event for Richard Danne | photo by Keegan Barber

NASA Worm Logo sign unveiled at the opening of NASAs Earth Information Center on June 21st, 2023 | photo by Joel Kowsky

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Resolving the puzzle of same-sex sexual interactions – Nature.com

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The History and Evolution of Black Friday And How It Got Its Name – Yahoo Life

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Black Friday is widely considered to be the unofficial start of the holiday shopping season. Occurring this year on November 24, Black Friday has become an inextricable part of the long, post-Thanksgiving weekend, thanks to the sales and discounts that seemingly every store offers.

For shoppers who love the thrill of the hunt and want to get a head start on shopping for their holiday gifts, Black Friday sales offer an opportunity to complete their present purchasing while saving money at the same time. Others may look for discounts on big-ticket household appliances, like dishwashers and washing machines.

But, why is it called Black Friday? Here, we're diving into the history of Black Friday, exploring how it has evolved into the massive shopping event it is today, and even offering some strategies for finding the best deals during this time.

The name Black Friday sounds curiously gloomy, and it does have a decidedly dark origin. It originally referred to the days of two financial crashes. The first Black Friday, in 1869, saw the price of gold collapse. In 1929, Black Monday marked the steep decline of the Dow Jones Industrial Average, which was the start of the Great Depression.

The meaning began to change in the '50s and '60s: According to The Philadelphia Inquirer, traffic police in Philadelphia began referring to the day after Thanksgiving as Black Friday, due to the holiday-related traffic jams and crowded sidewalks filled with shoppers.

In the late 80s, retailers started making Black Friday a dedicated shopping event by opening their stores earlier, closing later, and offering special one-day sales. Since then, the shopping window for certain stores has widened to encompass the entire week leading up to and following Black Friday.

The widely accepted definition of Black Friday now is the day when retailers balance sheets supposedly go from being in the red for most of the year to in the black, meaning theyre operating at a profit.

In recent years, Black Friday has spawned other shopping holidays, including Small Business Saturday, Cyber Monday, GivingTuesday, and Green Monday, which is the last day shoppers can place an online order in time for Christmas. (Typically, it's the second Monday in December). These offshoots extend the holiday shopping spree beyond the one-day sale, and, in some cases, help promote independent retailers and charitable causes over big-box stores.

To score the best Black Friday deals, youll want to plan ahead. Many retailers start their sales early, so rather than waiting until Friday morning to start scouring websites, start checking them late on Wednesday evening. Even if the sales havent started, most sites will mention when they will begin.

Spend some time making a list of gifts (for yourself and others) that youd like to buy, so you dont get caught up in the excitement and end up with a lot of things you dont need. If you're concerned about the traffic congestion and crowds at brick-and-mortar stores, you can plan to shop online.

Many stores, like Best Buy, have price-matching policies, so if you buy an item on Thanksgiving and the price drops further on Black Friday, you can request a price adjustment. (Just note that some exclusions do apply).

Before you smash that add to cart button, take a moment to Google the item youre considering. Youll be able to see what its selling for elsewhere and decide if youre getting the best deal.

Theres nothing worse than finding something you think youll love online, discovering that its all wrong, and being unable to return it. If theres a chance that you might need to exchange or return an item, be sure to read the retailers return policy so you don't wind up disappointed.

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Evolution of Terran R, with Tim Ellis (Relativity Space) – Payload

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EPISODE SUMMARY

This weeks Pathfinder pod features Relativity Space CEO Tim Ellis. Tim walks us through what went wrong during Terran 1s flight and why it wont happen with Terran R. Listen to Pathfinder #0071 for more on Relativitys future on Mars, whether theres a rocket larger than Terran R in Relativitys future, the long-term strategy for 3D printing, and much more.

Last March, Terran 1 became the first 3D printed rocket to reach suborbital space, but failed to reach orbit.

The Shift to Terran R

Earlier this year, Relativity announced that it was scrapping Terran 1 development to focus solely on its larger Terran R vehicle.

Marketing Strategy

Its no secret that Relativity has one of the most innovative marketing strategies of the major launch companies. Ellis shed light on the companys unique marketing approach, which is as strategic as it is creative.

In addition, Mo and Tim also discuss:

This episode is brought to you by SpiderOak, a US-based software company that builds space cybersecurity products and solutions for civilian, military, and commercial space operations. Learn more at https://spideroak.com/

Chapters

00:00 Intro & SpiderOak Ad

01:09 The night of the Terran 1 launch

05:11 What went wrong?

10:11 Why not launch Terran 1 again?

15:18 Are investors okay pushing out an orbital proof point?

20:38 Terran R tech specs

29:05 SpiderOak Ad break

29:52 Milestones for Terran R

34:31 Terran Rs manufacturing cadence at scale

37:46 Terran R R&D costs (vs Falcon 9)

46:13 3D printing the Terran R

51:34 The future of 3D printing

58:32 Relativitys marketing strategy

01:09:53 Heavier than Terran R

01:14:48 Relativity & Mars

01:15:22 Tims favorite musical artists

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Brownell Raves About Breakout Junior’s Evolution – The Clemson Insider

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CLEMSON Clemson mens basketball opened their season with a 78-56 victory over Winthrop, and the Tigers got a lot of results out of a veteran thats proving this could be a breakout year.

Junior forward Ian Schieffelin had 29 starts under his belt coming into the 2023-24 season, but hes showing an exponential evolution headed into his third season. Head coach Brad Brownell talked about Schieffelins development, and how hes taken this next step after the win.

Hes good, man. I just think hes a good player. Made two out of three threes. Hes really worked hard, weve worked hard with him for a year and a half. Really maybe not his freshman year. Just started a little bit his freshman year, were working on it, Brownell said.

Schieffelin was crucial in the win over the Eagles, finishing with 16 points and seven rebounds on 5-of-8 shooting. He was displaying a tremendous amount of effort on the floor, and ripped down three offensive rebounds in the first half.

Shooting is something that Brownell and the staff have slowly worked into Schieffelins evolution. During practice, the players will take 100 threes and its something that certain players take very seriously. Schieffelin is in that group and its a testament to the work hes putting in day in and day out.

Ian made 80 one day., First time and he was celebrating like crazy because 80 out of 100 threes is pretty daggum good now, Brownell said. Like, I guess its in gym in practice but the standards are what they are and you can kind of measure yourself and as you watch your guys get better and reach these standards and fight for these standards, then you know how much they are into it and care. Hes a guy thats been really fighting for this.

As this season could be a special one for the Tigers, Schieffelin is the hard-nosed worker Clemson needs. Now, hes more than just that and with his development, Schieffelin is a catalyst for success in 2023-24.

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