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Tag: Millennials

  • Watching a Meteor Shower With An Edible Is Next-Level Awesome

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    Summer always has a galactic treat – but seeing it with a little something extra makes a meteor shower mind-blowing.

    Every summer, nature puts on a show which rivals any fireworks display — the meteor shower. Whether it’s the Perseids in August, the Geminids in December, or a random burst of cosmic magic, shooting stars can make anyone feel small in the best possible way. But for many in the cannabis-friendly crowd, there’s a growing trend – watching a meteor shower with an edible is next-level awesome!.

    RELATED: The History Of The Cocktail Party

    First, let’s get the obvious out of the way: edibles hit differently than other forms of cannabis. Instead of a quick rise and fall, they tend to produce a slow-build, full-body high which can last hours. This makes it perfect for meteor watching, which is all about patience and presence. The best shows can run all night, and an edible’s effects let you truly settle in under the sky without constantly checking the time.

    Edibles also heighten sensory perception — making the contrast of dark night skies and sudden streaks of light even more vivid. The faint twinkle of distant stars? Mesmerizing. The unexpected flash of a meteor breaking apart in the atmosphere? Absolutely thrilling. Many users say cannabis enhances their sense of wonder, making them feel more connected to the universe and less distracted by everyday worries. In other words, it’s not just a high — it’s a cosmic mood boost.

    There’s also the bonus of meteor showers are best experienced away from city lights, often in quiet, remote areas. An edible pairs perfectly with this kind of setting. You’re not juggling rolling papers or worrying about wind like you might with smoking, and there’s no telltale cloud or smell. Just you, a blanket, maybe some snacks, and the night sky stretching endlessly above.

    RELATED: The Science Behind Cannabis And Happiness

    For Gen Z and Millennials — generations often valuieng experiences over possessions — this combo fits right in. It’s low-cost, low-impact, and ridiculously memorable. A single evening can become the kind of story you tell for years: “Remember the night we drove out to the middle of nowhere, ate those gummies, and saw like ten shooting stars in a row?” It’s a little bit of science, a little bit of magic, and a whole lot of good vibes.

    Of course, as with all cannabis use, the key is moderation. Start small, especially if you’re new to edibles, and make sure you’re in a safe, legal environment. Bring friends, a comfortable setup, and maybe a thermos of hot chocolate — because yes, the stars look even better when you’re cozy.

    A meteor shower is already a rare and beautiful gift from the universe. Add the right edible, and it can feel like the cosmos is putting on a show just for you.

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    Anthony Washington

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  • Americans aged 30-40 are the ‘biggest losers’ in US society — here’s why

    Americans aged 30-40 are the ‘biggest losers’ in US society — here’s why

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    A quick Google search reveals that millennials are often characterized as entitled whiners who are quick to complain about their financial struggles — but it’s not a fair assessment.

    There’s a reason why millennials — typically defined as between the age of 28 and 43 — are on shakier financial ground compared to previous generations.

    Recent data from Allianz highlights the difference between millennials and boomers from an economic standpoint.

    It shows that, while boomers have been able to benefit from periods of strong economic growth, millennials have been hit with one financial crisis after another since reaching an age when it was finally possible to start saving and growing their wealth.

    According to a study from the American Journal of Sociology, the average millennial has 30% less wealth at the age of 35 than boomers did at the same age.

    Here’s how society’s “biggest losers” can get ahead after multiple setbacks.

    Millennials have had a number of economic factors working against them over the years.

    During the Great Recession, which lasted from 2007 to 2009, millennials — many of whom were in their 20s at the time — were impacted by high levels of unemployment, making it harder to not only build careers, but set aside savings and keep up with student loan payments.

    With student debt, millennials weren’t helped by the fact that college costs rose exponentially in the years leading up to their postsecondary education.

    The Education Data Initiative reports that the average annual cost of a public four-year institution was $514 in 1973-1974, when many boomers were in attendance.

    However, by the 2003-2004 academic year, when many millennials attended, that cost had increased to $4,587. This left millennials with high levels of student debt, a struggling economy, and a slow economic recovery that would ultimately last years.

    In October 2009, the national unemployment rate reached 10%, according to the Bureau of Labor Statistics.

    Three years later, though, it was still at 7.8%. By contrast, boomers who entered the workforce in January 1970 enjoyed an unemployment rate of only 3.9%, according to the Federal Reserve.

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  • American millennials, Gen Z lack basic Holocaust knowledge, survey shows

    American millennials, Gen Z lack basic Holocaust knowledge, survey shows

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    OF WHAT YOU’LL SEE. WE ORGANIZE EVERY YEAR. THE TRAVEL FOR THE MEMORY OR VIAGGIO DE LA MEMORIA IN ITALIAN, MEANS TO TRAVEL FOR THE MEMORY OF THEIR IMPRESSIVE DINNER AT EIGHT, READY IN THE LOBBY. AT SIX. BONJOUR, BONJOUR, MON POMERIGGIO. WE DO TWO KISSES HERE EVERY YEAR. MORE THAN ALMOST 20 YEARS THAT WE HAVE BEEN ORGANIZING THIS KIND OF TRAVELING IN ITALY. THEY’RE KIND OF ROCK STARS ARE. ALL THE PEOPLE KNOW TATIANA AND THE SISTER, ALL THE PEOPLE. THAT’S A LOT OF STUDENTS. YES. WHY IS IT SO IMPORTANT TO DO THEM? THEY’RE NOT EASY TO SAPERE PERCHÉ GIUSTO SAPERE QUELLO CHE SUCCESSO? HOW DO CHILDREN SURVIVE? MAYBE I WAS MORE STRONG. WHETHER YOU WERE AT AUSCHWITZ OR ANOTHER CAMP, YOU BECAME. YOU BECAME A NUMBER. YOU BECAME A THING. IL MIO NUMERO IS SAID TO SAY QUATTRO TO YOUR MOTHER SEEMED TO KNOW WHY THEY WOULD PUT A TATTOO ON YOU. AND REFER TO YOU BY NUMBER. AND SHE TOLD YOU SOMETHING VERY IMPORTANT ABOUT YOUR OWN NAME. WHAT IS IT SHE TOLD YOU? RECORD THE SEMPRE IL TUO NOME. ALWAYS REMEMBER YOUR NAME. ALWAYS REMEMBER YOUR NAME AIRS NEXT SUNDAY, THE 27TH, AT 9 P.M. THAT’S AFTER THE NFL ON NBC. AND YO

    American millennials, Gen Z lack basic Holocaust knowledge, survey shows

    But most believe it is important to teach the Holocaust so it doesn’t happen again.

    As the world prepares for the 80th anniversary of the liberation of the Auschwitz concentration camp complex, the site of one of the world’s largest examples of mass murder, the number of survivors has diminished greatly. So has the knowledge of the world’s young people about what happened.The Conference on Jewish Material Claims Against Germany, a nonprofit organization with worldwide offices, secures compensation for Holocaust survivors around the world. It has done research on the knowledge people have of the Holocaust in all 50 states. The research focuses on millennials and those from Generation Z.Nationally, 36% of those surveyed thought that 2 million or fewer Jews were killed during the Holocaust. The actual number of Jews killed is more than 6 million. Millions of others were killed. The national survey also found that 48% couldn’t name a single concentration camp, killing camp or ghetto even though 40,000 of them existed across Europe during World War II.KCRA 3 spent five years following one of the world’s youngest Holocaust survivors as she traveled around the world to tell her story. Born in Italy, Andra Bucci now lives in the Sacramento area and recently became a U.S. citizen. To her, telling the story over and over again is important in order to make sure that something like the Holocaust doesn’t happen again. Her story is detailed in our documentary “Always Remember Your Name.”Watch “Always Remember Your Name” Oct. 27 on KCRA 3 at 9 p.m. Even with survivors like Bucci telling their stories, the lack of knowledge in California alone is striking. 53% of California’s Millennials and Gen-Zers did not know what Auschwitz was. The complex, which contained a large number of sub-camps, was home to Auschwitz and Birkenau. Birkenau was known as the “killing camp,” and more than 1.1 million people died there, gassed by the Nazis and then cremated in a complex built specifically to eradicate the Jewish prisoners.37% cannot name a concentration camp or ghetto.59% didn’t know that 6 million Jews were killed in the Holocaust32% actually believe that the number killed is 2 million or less13% believe that the Jews caused the Holocaust47% have seen Holocaust denial or distortion on social media or elsewhere60% have seen Nazi symbols in their community and/or on social media they have visited in the past 5 yearsThere is reason for hope. Seventy-six percent of those surveyed believe it is important to teach the Holocaust so it doesn’t happen again. In Italy, where Bucci is from, they teach the Holocaust beginning in 5th grade and through high school. Noemi Di Segni, president of the Union of Italian Jewish Communities, said her organization helps train teachers and all public schools are encouraged to produce a project, especially by using art. Hundreds of thousands of students have participated in an annual contest over the past 20 years, she said. Winners of the competition take trips to Auschwitz and the Jewish ghetto in Kraków.In the U.S., there is no policy requiring teaching the Holocaust in schools on the national level.California has required Holocaust and genocide education to be taught in public schools since 1985, but there has been no systematic teacher training or standard curriculum. A law newly signed by Gov. Gavin Newsom, Senate Bill 1277, aims to change that. It makes the Teachers Collaborative for Holocaust and Genocide Education an official state program. The group plans to train 8,500 teachers and serve more than 1 million students across grades 6-12 by 2027.In the meantime, some schools like Miwok Middle School in Sacramento, which KCRA 3 has visited as part of the documentary, have already been teaching about the Holocaust. There are states that had high scores of knowledge. Those include Wisconsin, Minnesota, Massachusetts, Maine, Kansas, Nebraska, Pennsylvania, Idaho, Iowa and Montana.Those with the worst scores: Alaska, Delaware, Maryland, New York, Georgia, Hawaii, Louisiana, Florida, Mississippi, and Arkansas.See a full breakdown of the findings below. App users, CLICK HERE to see the visualization. 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    As the world prepares for the 80th anniversary of the liberation of the Auschwitz concentration camp complex, the site of one of the world’s largest examples of mass murder, the number of survivors has diminished greatly. So has the knowledge of the world’s young people about what happened.

    The Conference on Jewish Material Claims Against Germany, a nonprofit organization with worldwide offices, secures compensation for Holocaust survivors around the world. It has done research on the knowledge people have of the Holocaust in all 50 states. The research focuses on millennials and those from Generation Z.

    Nationally, 36% of those surveyed thought that 2 million or fewer Jews were killed during the Holocaust. The actual number of Jews killed is more than 6 million. Millions of others were killed.

    The national survey also found that 48% couldn’t name a single concentration camp, killing camp or ghetto even though 40,000 of them existed across Europe during World War II.

    KCRA 3 spent five years following one of the world’s youngest Holocaust survivors as she traveled around the world to tell her story. Born in Italy, Andra Bucci now lives in the Sacramento area and recently became a U.S. citizen. To her, telling the story over and over again is important in order to make sure that something like the Holocaust doesn’t happen again. Her story is detailed in our documentary “Always Remember Your Name.”

    • Watch “Always Remember Your Name” Oct. 27 on KCRA 3 at 9 p.m.

    Even with survivors like Bucci telling their stories, the lack of knowledge in California alone is striking.

    • 53% of California’s Millennials and Gen-Zers did not know what Auschwitz was. The complex, which contained a large number of sub-camps, was home to Auschwitz and Birkenau. Birkenau was known as the “killing camp,” and more than 1.1 million people died there, gassed by the Nazis and then cremated in a complex built specifically to eradicate the Jewish prisoners.
    • 37% cannot name a concentration camp or ghetto.
    • 59% didn’t know that 6 million Jews were killed in the Holocaust
    • 32% actually believe that the number killed is 2 million or less
    • 13% believe that the Jews caused the Holocaust
    • 47% have seen Holocaust denial or distortion on social media or elsewhere
    • 60% have seen Nazi symbols in their community and/or on social media they have visited in the past 5 years

    There is reason for hope. Seventy-six percent of those surveyed believe it is important to teach the Holocaust so it doesn’t happen again.

    In Italy, where Bucci is from, they teach the Holocaust beginning in 5th grade and through high school.

    Noemi Di Segni, president of the Union of Italian Jewish Communities, said her organization helps train teachers and all public schools are encouraged to produce a project, especially by using art. Hundreds of thousands of students have participated in an annual contest over the past 20 years, she said. Winners of the competition take trips to Auschwitz and the Jewish ghetto in Kraków.

    In the U.S., there is no policy requiring teaching the Holocaust in schools on the national level.

    California has required Holocaust and genocide education to be taught in public schools since 1985, but there has been no systematic teacher training or standard curriculum.

    A law newly signed by Gov. Gavin Newsom, Senate Bill 1277, aims to change that. It makes the Teachers Collaborative for Holocaust and Genocide Education an official state program. The group plans to train 8,500 teachers and serve more than 1 million students across grades 6-12 by 2027.

    In the meantime, some schools like Miwok Middle School in Sacramento, which KCRA 3 has visited as part of the documentary, have already been teaching about the Holocaust.

    There are states that had high scores of knowledge. Those include Wisconsin, Minnesota, Massachusetts, Maine, Kansas, Nebraska, Pennsylvania, Idaho, Iowa and Montana.

    Those with the worst scores: Alaska, Delaware, Maryland, New York, Georgia, Hawaii, Louisiana, Florida, Mississippi, and Arkansas.

    See a full breakdown of the findings below. App users, CLICK HERE to see the visualization.

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  • Can An Air Purifier Get Rid Of The Marijuana Smell

    Can An Air Purifier Get Rid Of The Marijuana Smell

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    Cannabis is legal to more than 50% of the population and more people are consuming. As additional states consider legalizing, what about the famous smell? Governor Ron DeSantis has made it a point talking about how cities will stink if weed is legal. Well, marijuana does have some stink, but most smoke outside or in their own home. And Florida is a state of cars and indoor spaces. Smoking cannabis, like tobacco, will be not be allowed indoors except in homes. But occasionally, you are in someone else’s space and, well, things happen.  What to do? Can an air purifier get rid of the marijuana smell?

    RELATED: Red States Lean Green This Election

    Additionally, lots of people are traveling and being in mew spaces, especially in legal states. Friends, guests, clients all have different habits.  In fact, Gen Z and millennials took, on average, nearly five trips in 2023. Gen Xers and Boomers to four. Millennials and Gen Zers also say they devote, on average, 29 percent of their incomes to travel, compared with 26 percent for Gen Zers and 25 percent for baby boomers. So this a variety of AirBnBs, friend’s couches, and more. Air purifiers can be highly effective at eliminating cannabis odors from indoor spaces. The key to success lies in choosing the right type of air purifier withappropriate filtration technology.

    Photo by Flickr user boviate

    The most effective air purifiers for cannabis odor utilize a combination of HEPA filtration and activated carbon filters. Here’s how they work.

    HEPA Filtration: High-efficiency particulate air (HEPA) filters remove tiny particles from the air, including smoke particles that carry odor molecules. This helps reduce the overall concentration of cannabis smoke in the air.

    Activated Carbon: The real workhorse for odor elimination is activated carbon. These filters are highly porous and adsorb odor-causing volatile organic compounds (VOCs) and gases, effectively trapping the molecules responsible for cannabis smell.

    When selecting an air purifier for cannabis odor, here is what to consider. Look for units with large activated carbon filters, ideally containing several pounds of carbon for maximum odor absorption. Choose a purifier powerful enough to cycle the air in your space multiple times per hour for best results. And ensure the purifier is rated for the size of the room where it will be used.

    RELATED: What’s That Smell? Why Your Marijuana Smells Skunky

    While air purifiers are effective, combining them with other strategies can enhance odor elimination. Designate a specific smoking area to contain odors. Smoke near an open window when possible. Use lower-odor cannabis strains. And lastly clean surfaces regularly to prevent odor buildup.

    By using a high-quality air purifier with both HEPA and activated carbon filtration, along with these additional measures,

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    Sarah Johns

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  • Chappell Roan’s “Unwitting” Charli XCX Shade

    Chappell Roan’s “Unwitting” Charli XCX Shade

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    Move over, Billie Eilish, there’s a new environmentally-conscious Gen Z pop star in the mix, and it’s none other than Chappell Roan. Despite her classification as a “geriatric Gen Zer” (born near the very beginning of the generation’s “hatching” in 1998), there’s no denying Roan as being, these days, perhaps even more influential on her age group than “zygote” Gen Z pop stars like Eilish and Olivia Rodrigo. The latter two, although often vocal about various “do-gooding” endeavors (for Rodrigo, it’s less about the environment than her Fund 4 Good, which aims to “support community based non-profits and girls’ education, support reproductive rights and prevent gender-based violence”), have never been quite as upfront and vehement as Roan is in the October issue of Rolling Stone for which she serves as the cover star (complete with the title, “A Star Is Born”—the Lady Gaga allusion being rather over-the-top, but hey, no one ever said that subtlety sells).

    Among other quotable chestnuts found in the article, Roan announces, “All the money [I make] goes to the world-building [oy, that phrase]. That’s why I am saying no to every fucking brand deal right now, because I’m like ‘Does it fit in this world?’ No, H&M does not fit in this world. Also, fuck H&M.” While Roan could have simply stopped at “every fucking brand deal,” she opted to call out H&M in particular. A pointed choice considering Charli XCX’s highly-publicized, fresh collaboration with the fast-fashion juggernaut. A collab that has many declaring that Brat summer is effortlessly poised to become Brat autumn (with a remix edition of the album coming out in October to further emphasize the seamless transition). And why not? When there’s still so much more money to be made off of this particular “femininomenon” for Charli? Indeed, like Chappell, she’s been frequently mentioned as one of the three most celebrated pop stars of the year—and all of whom have been slogging at it for roughly a decade only to finally be met with insane, Taylor Swift-level obsession in 2024 (though one wonders if any fans can truly be as obsessed [and willing to spend as much money to prove it] as a Swiftie). Charli, of course, has actually been in the spotlight since at least 2012, when Icona Pop’s “I Love It” (which Charli wrote, but didn’t feel was right for herself as a “solo” effort). Well over ten years. It’s just that, as with everything, Gen Z isn’t aware of shit prior to their own “era” until and unless it becomes a trend.

    Which, one supposes is why it’s good that Roan is trying to use her own “trending” nature to make a big, politically and environmentally-conscious statement while she can. Apart from already insisting that fame can be repurposed from toxic to tolerable, Roan is focusing in on a cause that’s supposedly near and dear to Gen Z, despite their greater addiction to fast fashion than any previous generation. Particularly with ultra-cheap online outlets like AliExpress, Temu, Shein and Romwe (and, quelle surprise, Shein owns Romwe, hence the very similar prices and products) “tempting” them with their shitty but attainable wares. Compared to those entities, H&M seems almost “saintly” (though its latest offense is continuing to operate its many store locations in Israel amid the ongoing Palestinian genocide).  

    Thus, Roan’s open vitriol toward a fast fashion player that is hardly all that influential to Gen Z compared to the abovementioned ilk comes across more like shade. Which is also odd when considering that, per Roan’s gushing account, Charli XCX was the first of the “pop girls” to reach out to her after she went on that previously mentioned tirade about fame and posted it to TikTok. It was during a soundcheck in Dublin that she stated, “I love Charli so much. She was like the first girl to reach out and check on me. She was like ‘Hi, this is about to get really hard and if you need a friend, I’ll be here for you’. So it’s just so sick to see her just ruling the fucking world and doing it her way.” But if being a spokesperson for H&M—even allowing the company to adopt her signature Brat green backdrop for its logo—is “doing it her way,” maybe Roan isn’t entirely convinced of XCX’s artistic genius.

    Then again, perhaps Roan really doesn’t have that much room to talk/get on a soapbox. For, even though she might make a big production about being seen with her own reusable water bottle at an awards ceremony or bringing her own carpet to the red carpet for that same awards ceremony (the VMAs), she’s also the same “artist” willing to allow her hit, “Hot To Go!,” to appear in a Target commercial for the “Cuddle Collab.” (Perhaps she thought that because the commercial centered on dogs and cats, it could eke by the proverbial “watchdogs” [no pun intended] of environmental causes.) And it probably will, for there is little that Roan can do wrong at the moment, whereas Charli has already started to lose cachet for being “too corporate,” what with the H&M collab and Kamala Harris’ campaign using Brat for its own “marketing” purposes, ergo a much older, wider range of demographics becoming aware of her.

    And while Roan might not have been cognizant that Charli was doing the campaign when she made those anti-H&M comments for the Rolling Stone feature, it seems as though her comments underlyingly constitute more Gen Z knife-digging aimed into the backs of millennials like Charli, who was at least spared from Roan name-checking Skims, too (otherwise known as: XCX’s other sellout collab of the moment). That would have been really pointed. But also, a necessary pushback against the inexplicable reign of Kim Kardashian as some kind of “high-minded businesswoman.”

    In any case, it’s not as though Eilish is much for really backing up her sentiments either, what with participating in XCX’s underwear-laden “Guess” video. Because, regardless of insisting that all those mountains upon mountains of “unused” panties would be donated to an organization that supports survivors of domestic violence, the “fast fashion-chic” look of the video’s key backdrop is enough to bury that message—literally. Meanwhile, Roan wants to resurrect it in a manner, “unwittingly” or not, that puts a glaring spotlight on how “anti-Gen Z” in sentiment XCX ultimately is despite her newfound resonance with the generation that supposedly finds most millennials to be inherently cringe. And not just for their environmental practices (that actually aren’t worse than what Gen Z does with its own China-based fast fashion obsession).

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    Genna Rivieccio

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  • September 11th Is Nothing But a Meme to Gen Z

    September 11th Is Nothing But a Meme to Gen Z

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    Unlike the infamous December 7th date that baby boomers would forever be conditioned to remember and respect by their forebears, September 11th is becoming less and less of a date to “revere” and more and more of a “thing” to meme. And, although the attack on the World Trade Center hasn’t even yet reached its twenty-fifth anniversary, it’s already but “fodder” for a generation that was barely coherent, if even born at all, when the calamity occurred. Thus, it’s easy to find “levity” in the incongruous images from that immortal day (including a screen grab of an advertisement for Mariah Carey’s doomed movie, Glitter, against the backdrop of the smoking towers).

    And oh, how Gen Z has found quite the substantial amount of levity in 9/11. As a recent article from Rolling Stone characterized this phenomenon, “To be on social media in 2024 is to be swimming in jokes and memes about 9/11. Things that might once have been whispered among friends are now shared by meme accounts with hundreds of thousands of followers. On TikTok, videos contrasting the year 2024 with 2001 (often ending with someone reacting to the planes hitting towers) frequently went viral.” An Instagram account called always_forget_never_remember (a “tasteless 9/11 Meme Dealer”) describes the latest glut of memes about the tragedy as having “the effect of exorcising the event from America’s collective consciousness.” While some might view that as a “positive” form of “healing,” others are aware of the long-term damage it can cause to “forget” (hence, the long-standing 9/11 urging to “never forget”—especially if you still have the non-presence of mind to live in New York).

    Germany didn’t make the mistake of “forgetting” about World War II and Adolf Hitler’s dangerous, life-destroying demagoguery. Ergo, the reason why its ratio of neo-Nazis is actually far smaller than the one in the United States, where the history taught in schools is often not exactly “on the level.” Therefore, making it easy to forget the lessons that are theoretically supposed to be imparted by history. If 9/11 was meant to impart any such lesson, it’s that hubris will be the U.S.’ ultimate undoing. And yet, Gen Z has instead seen fit to take up allegiance with Osama bin Laden in the matter after his “Letter to America” went viral on TikTok. Mainly because part of his “logic” for killing thousands of people stemmed from the U.S.’ de facto support of Israel’s occupation of Palestine. But, as the aphorism goes, “An eye for an eye makes the whole world blind.” Especially Gen Z—blind to the severity and unprecedented nature of this event that has continued to negatively impact people’s lives to this day.

    And not just the lives of those who lost loved ones in the most brutal and unfathomable manner, but to those still living who were subjected to the toxic materials of the aftermath. As the CDC phrases it, 9/11 “created massive dust clouds that filled the air and left hundreds of highly populated city blocks covered with ash, debris and harmful particles, including asbestos, silica, metals, concrete and glass.” Consequently, many people, young and old alike, were subjected to toxins that would result in ongoing health issues or even death.

    Indeed, according to the Mesothelioma Center, “more people have now died from this toxic exposure than in the 9/11 attacks [themselves].” But that is of no importance to Gen Z, who could give a goddamn about anything (except looking young and excoriating those who don’t). Perhaps Rue Bennett (Zendaya), the ultimate numb/disaffected Gen Zer in Euphoria, puts it best when she narrates in the series’ pilot episode, “I was born three days after 9/11. My mother and father spent two days in the hospital, holding me under the soft glow of the television, watching those towers fall over and over again, until the feelings of grief gave way to numbness.” In a sense, she’s not just talking about her parents’ numbness, but also referring to the osmosis of those images—played ad nauseam until they meant nothing anymore—contributing to her own eventual numbness. Not just to 9/11 and its “weight,” but to life itself.

    While there are those who would take up the defense of Gen Z (including Gen Z itself) by saying it’s not their fault they didn’t live through the catastrophe in order to be “appropriately sad” enough about it (therefore not make totally callous memes about it), others are aware of the growing sociopathy that exists within each new generation—and yes, it arguably started with baby boomers themselves, the generation first accused of being selfish and sociopathic via an illustrious 1976 article by Tom Wolfe for New York Magazine called “The ‘Me’ Decade.” And yet, while boomers might have been quick to join cults and indulge in many a bad acid trip, one can’t imagine them ever creating content that eradicated the entire emotional meaning of December 7, 1941.

    Undoubtedly, Gen Z, in contrast, comes across as particularly sociopathic because they are the first generation to “forget” about 9/11. Not, however, the first generation to have the internet-oriented platforms to mock it. That would be millennials. But millennials were in the trenches when it happened, affected by the news coverage and anti-Middle East rhetoric that followed in such a way as to not even dream of poking fun at such a serious moment in the culture. After all, this was when people were still even taking Rudy Giuliani seriously. As for previous generations that were made aware of somber historical events, baby boomers didn’t have the means to mock Pearl Harbor (the event consistently likened to 9/11 because it was the only other large-scale attack on U.S. soil), nor did Gen X didn’t have the means to mock, say, the Kennedy assassination or the Vietnam War. At least not in a manner that could be disseminated to so many thousands of people.

    The irony, of course, is that Gen Z is known for being the most “sensitive” generation yet—even though everything about them and their reactions to things connotes the exact opposite. Treating 9/11 like nothing more than a “trend” or meme to fill the internet space is, thus, but part and parcel of this generation’s highly limited capacity for empathy. Oh sure, there’s using humor as a coping mechanism, as many did try to in the wake of the events of September 11, 2001 (which meant being “canceled” before that was a term). But that’s not what it’s about with Gen Z, who has no emotional attachment whatsoever to that day. Nor do they seem to have much of an emotional attachment to anything (again, except to looking hot). Leading some to ask the question: can you blame them? After all, they live in a post-Empire world—how can they trust that it’s even worth it to attach to something, knowing how ephemeral it all is. The decimation of the Twin Towers certainly proves that, if nothing else, to Gen Z, so overexposed to tragedy and trauma at this point that their desensitization can be “justified.” As anything can be when it suits a purpose…sort of like bin Laden justifying the attacks.   

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    Genna Rivieccio

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  • The ‘rent-first’ lifestyle is catching on. From cars to clothes and even caskets, here’s when it makes sense to buy vs. rent

    The ‘rent-first’ lifestyle is catching on. From cars to clothes and even caskets, here’s when it makes sense to buy vs. rent

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    Owning isn’t always what it’s cracked up to be.

    For many reasons — including affordability — more Americans are choosing to rent everything from cars and apartments to clothing and furniture these days, according to a report by Intuit Credit Karma.

    Far beyond the traditional tuxedo, the rental industry has expanded in recent years to include power tools, musical instruments, designer handbags, baby gear and even funeral caskets.

    Now, 28% of adults routinely rent goods and services, Credit Karma found. However, when factoring in housing, that percentage jumps to 47%. 

    The growing share of renters is largely due to higher prices, although some people simply prefer renting over buying, opting for a “rent-first” lifestyle, according to the survey, which polled more than 2,000 adults in June.

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    Aside from affordability concerns, more than half — 58% — of those polled said they find value in renting, because it allows for more flexibility and is a way to avoid overconsumption, which has become an increasing concern among millennial and Gen Z adults. 

    “Renting is a great option for many people,” said Carolyn McClanahan, a certified financial planner and founder of Life Planning Partners in Jacksonville, Florida. However, it always pays to do the math, she advised.

    “Some people do great renting clothes and, for special events, this can be good,” said McClanahan, who also is a member of CNBC’s Advisor Council. “However, if you know you have a lot of special events, a few really good [owned] pieces can last a long time.”

    Clothing prices have been hard hit by inflation. Since July 2020, men’s and women’s apparel prices are up 15% and 13.3%, respectively, according to the U.S. Bureau of Labor Statistics’ consumer price index.

    Meanwhile, It may not make as much sense to lease a car, McClanahan said, “as that ends up being higher costs long-term.”

    Although monthly lease payments tend to be lower than car loan payments, financing a car with a new or used auto loan usually ends up costing less than a lease in the long run, especially for consumers who hold onto vehicles for years.

    Additionally, car lease agreements often come with routine service included in the terms, but the downside is there are also mileage limits and potential charges for wear and tear.

    More importantly, car buyers will benefit from owning the vehicle outright at the end of a loan term, and have built equity in the asset.

    To buy or rent a house in today’s market

    Since housing costs are the biggest expense for most people, it may make sense to rent, at least initially.

    “Unless you are absolutely sure you are dedicated to being in a home for at least five years, you should definitely rent,” McClanahan said. “Only when you are settled with life, jobs and family is when it probably makes sense to buy a home.”

    Because millennials are more likely to postpone marriage and starting a family, they are able to cast a wider net when looking for place to live, or relocate for a job, if necessary, which makes renting more worthwhile.

    “This generation is different,” said Dottie Herman, vice chair at Douglas Elliman. “They believe in homeownership but now there is a choice.”

    According to Herman, “it’s not quite as important to them to own a house. A lot of them say, ‘I’ll rent, and I’ll think about it.’”

    Of course, some Americans, especially young adults, are renting because they must.

    Higher mortgage rates and a shortage of houses on the market relative to buyer demand have kept home prices elevated and created an affordability crunch for would-be buyers. Sometimes renting is the only option available.

    Close to three-fourths of would-be homeowners said affordability is their greatest obstacle, according to a report by Bankrate. Among younger adults, 50% said homeownership is only achievable for the wealthy, Credit Karma also found. 

    Even though wealth creation has been concentrated amongst homeowners in recent years, often there is a pressure to buy, when it may not make financial sense, according to Michael Krowe, director of financial planning at Edelman Financial Engines.

    “Don’t make a home purchase simply because you think it’s going to surge in value,” he said. “You might think your home is an investment — it’s not. Your home is a place to live.”

    “Buy a home because you like the neighborhood, schools and proximity to friends and family,” Krowe said. There may be benefits to renting in this market, he added, particularly if it allows you to avoid stretching beyond your means.

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  • Gen Z and Millennials Redefine Vacation Goals, Skip Relaxing | Entrepreneur

    Gen Z and Millennials Redefine Vacation Goals, Skip Relaxing | Entrepreneur

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    Younger Americans think relaxing on vacation is overrated, according to new research.

    A survey of 2,000 Americans who travel (evenly split by generation) looked at how people of different ages vacation and found both Gen X (51%) and Baby Boomers (57%) prioritize relaxation when traveling, while Gen Z (54%) and millennials (45%) are more interested in making memories.

    In fact, 29% of those who don’t prioritize relaxation when they’re away find it to be a waste of time — especially millennials (30%).

    Related: This Former Flight Attendant and Her Roommate Started a Side Hustle With Just $2,000 Each. Then It Earned Them Nearly $600,000 — and Counting.

    Conducted by Talker Research for Apple Vacations, the survey found that these preferences may change in the future, as 59% shared their vacation priorities have shifted as they got older.

    A quarter of millennials reported that sightseeing is a thing of the past, and Gen Z is no longer prioritizing learning new things while traveling (28%).

    Respondents from different generations recalled the average age they were when their vacation preferences changed. Gen Z preferences shift at age 18, while millennials see it at 27, Gen X at 38 and Baby Boomers at 54.

    Something that won’t change is Americans’ love for traveling, with one in four (28%) sharing that traveling is a high priority for them these days.

    Although millennials are most focused on traveling right now (38%), Gen Z (35%) is most likely to surpass the average number of trips taken annually.

    Looking at the differences in how they enjoy this time away, results showed that Baby Boomers (74%) prefer domestic travel, while Gen Z (14%) is the most likely to enjoy international travel.

    Family-friendly (33%) and tropical (27%) destinations are favored across the generations, but Gen Z (25%) and millennials (24%) also share a strong love for theme parks.

    In addition to their top picks, Gen X (21%) and Baby Boomers (24%) are also drawn to small towns.

    Related: Airbnb and Vrbo Often Have Wildly Different Prices for the Same Listing. This Entrepreneur Built a Platform to Find You the Best Deal.

    “Relaxation looks and feels different for everyone,” says Dana Studebaker, vice president of marketing at Apple Vacations. “I feel most relaxed when reading a great book on the beach, knowing that all I need is at my fingertips at an all-inclusive resort, but others feel renewed after a beautiful backpacking trip through the mountains, soaking up history in a big city. This is the beauty of travel: Your vacations can evolve with your preferences.”

    Before their trip, Gen Z is especially keen on creating a vacation plan (60%) and Baby Boomers are the likeliest to go with the flow (40%).

    Gen X (53%) and Baby Boomers (65%) who prefer going with the flow agree that this helps them avoid feeling rushed or tied to a plan.

    Planners find comfort in mapping their day (56%) and say it helps them make the most of their time (54%).

    Gen Z embraces the safety they feel when planning things out (46%), while Baby Boomers who prefer to plan ahead also enjoy the feeling of checking off things they want to do (50%).

    When travel planning, millennials are most likely to use a travel agent (18%), while Gen Z leans heavily on social media for planning (55%) and inspiration (66%).

    Older generations prefer to keep things more classic, with Gen X trusting word of mouth (44%) and Baby Boomers referencing travel magazines or websites for advice (34%).

    Related: Her Private Chef Side Hustle Might Earn Tens of Thousands and ‘Seem Glamorous’ — But It’s Not for the Faint of Heart. Here’s an Inside Look.

    Before vacationing, millennials are the likeliest to read restaurant menus (34%); instead, Gen X looks at pictures others have posted (36%).

    Gen Z respondents are most likely to look at how much things cost and the currency exchange (49%), as well as the transportation options (43%).

    Looking ahead, half of respondents plan to travel more as they get older.

    Gen Z will take advantage of this the most (73%), planning to travel with their friends (43%), while Baby Boomers will travel to connect with other family members (20%).

    Family is top of mind for those who traveled with their parents when growing up, with 77% planning to continue the tradition of traveling with their kids to bond (66%) and make new memories (65%).

    “Getting out of the house and spending quality time with family while traveling is the best way to build memories,” says Michael Lowery, senior vice president and global head of consumer business units at Apple Vacations. “When traveling with a larger group with many ages to keep in mind, I always go for an all-inclusive resort because any worries about entertaining different ages are taken care of. Some guests may enjoy a day at the spa, and others can safely be thrilled with resort excursions and activities.”

    See a complete breakdown of the survey results below.

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    David James

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  • Blake Lively Shows Where Her Millennial-Oriented Loyalties Are By Donning A Signature Britney Dress, Britney Swings Her Dick in Response

    Blake Lively Shows Where Her Millennial-Oriented Loyalties Are By Donning A Signature Britney Dress, Britney Swings Her Dick in Response

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    Even if Ryan Reynolds insisted upon wielding NSYNC’s “Bye Bye Bye” (and its signature choreo) as the song for the opening scene of Deadpool and Wolverine, Blake Lively (a.k.a. Mrs. Reynolds) has seen fit to remind people that her millennial-oriented loyalties are forever with Britney Spears. Even when she “lightly” shades Lively for pulling an Ambular in Clueless by “going through her laundry.” Indeed, lately, and at their own peril, millennial women have taken a shine to paying major homage to one, Miss Spears.

    It started earlier this summer with Halsey releasing what amounted to a bad cover version of Spears’ 2000 hit, “Lucky.” Although Halsey assured fans that she, of course, got Spears’ permission to use the song and “pay homage” to it with an accompanying video, Spears posted a rather unfavorable take on the single by saying, “For obvious reasons I’m very upset about the Halsey video. I feel harassed, violated and bullied. I didn’t know an artist like her and someone I looked up to and admired would illustrate me in such an ignorant way by tailoring me as a superficial pop star with no heart or concern at all. I have my own health problems which is why I took down my IG account yesterday. I will definitely be putting it back up to show I CARE. I’m speaking with my lawyers today to see what can be done on this matter. It feels illegal and downright cruel.”

    Soon after, the post was deleted and replaced by Spears’ insistence that the condemnation was merely “fake news !!! That was not me on my phone !!! I love Halsey and that’s why I deleted it 🌹 !!!” Whether or not Spears’ phone was possessed by another person or another one of Spears’ personalities is at one’s discretion. However, based on this other recent “emotional flare-up” on Spears’ part, it appears as though she may very well have been the true culprit behind the Halsey shade. This based on the fact that, after Blake Lively showed up to the August 6th premiere of It Ends With Us wearing the Versace butterfly dress that Spears famously sported in 2002, Spears felt obliged to respond “indirectly” by, days later, posting a video of herself wearing a riff on the same dress (albeit shorter and differently cut) with the caption, “UPDATED VERSION OF MY 2002 VERSACE DRESS 👗 !!! I LIKE IT WAY BETTER. SHOWS MY LEGS !!! 💅🏻👗🌷🌷.” She then included the post-script, “I’m no @blakelively but I like it.”

    Of course, while some might try to insist Spears meant “no shade,” her dick-swinging behavior of late was on-brand for her post-conservatorship, no-fucks-given vibe. (Besides that, why choose to make mention of the same dress and assert her dominance over it at the exact moment after Lively chose to wear it?) In point of fact, Spears has come a long way from being self-effacing and unwilling to take credit for all that she’s done for and contributed to music and pop culture, suddenly suffering no fools when it comes to “tributes.” Regardless of how effusive they might be. This even includes Lively’s gushing Instagram story post directed at Spears upon donning the dress: “Today’s mood. The ultimate queen who made us all want to sparkle and write and share our stories. Britney, us millennials all have a story of a moment, or of years that you made us want to shine and inspire awe, with strength, and joy and immensely hard work. Thank you for your example and your contribution to women telling their stories. So excited about your biopic and all you have to come.” Naturally, this sort of “love letter” to another “stronger than yesterday” woman is befitting of somebody who is known, apparently, as a “crown straightener” a.k.a. “a woman going around straightening all the women’s crowns around her.”

    At the premiere itself, Lively continued to rave, “It’s Britney’s actual dress. It should be in the Smithsonian or the Met [instead, it was available via Tab Vintage]. But it’s on me. I feel so lucky.” Ah, that word—which also serves as the song title that Halsey recently “borrowed.” So yes, it would appear that the fellow millennial women showing Spears so much love of late aren’t exactly getting it in return in quite the same maudlin way, with Lively also noting at the premiere, “This dress meant so much to me because of what she meant to me.” Maybe, in this case, Spears was offended by use of the past tense, with Lively continuing, “Like, she was just somebody who represented, like, love and beauty and youth and hard work and determination and strength, and she was in touch with her sexuality and her delicacy and she just sort of represented it all.” To which one must ask: then what does she represent in the present tense?

    During what some would like to call her “heyday” (a generally off-putting word used to signify that one’s prime is over), Spears wore the dress to Versace’s presentation of the 2003 women’s spring/summer collection in October of 2002, shortly after her very public breakup with Justin Timberlake—the one that, as she described it, turned her from a pop princess into a “harlot who’d broken the heart of America’s golden boy.” This stated in her memoir The Woman In Me. A book that also takes pause to mention what the Versace butterfly dress and the trip to Milan that year meant to her, with Spears stating, “That trip invigorated me—it reminded me that there was still fun to be had in the world. That party was really the first thing I did to put myself out there after the breakup with Justin—on my own, innocent.” A far cry from her declaration of being “not that innocent” in 2000. In any case, perhaps Lively choosing to home in on that particular aspect of her sartorial iconography felt, somehow, like an invasion of what the form-fitting gown signified to her: a newfound liberty—emerging from a chrysalis after being imprisoned in bubblegum pop/Timberlake land.

    At the It Ends With Us premiere, Lively also mentioned, “When this dress was available I was like, ‘Yes, I need it!’ I’ve had it for almost a year now and I’ve been saving it for this.” Not just because one of Spears’ songs appears on the soundtrack, but because it does have a certain “floral-themed” quality to it that correlates with Lively’s flower shop-owning character, Lily Bloom. And while a few might question the relevance of the movie using Spears’ 2003 single, “Everytime,” during the ending credits of the film (performed, instead, by Ethel Cain), any millennial girl can tell you that the song was aimed at Timberlake. At the time when their relationship reigned supreme in the hearts and minds of America, the aftermath of that relationship proved just how, that’s right, toxic (to name another Britney single) the dynamic actually was. Much the same as Lily and Ryle’s (Justin Baldoni) in the movie. Or Lively and Justin Baldoni’s behind the scenes of making it.

    In any event, like Halsey, Lively wasn’t deterred from continuing to express her love for Spears even after the “misunderstanding,” “hearting” Spears’ post about the updated version of her dress (the caption, in typical Spears style, was later deleted). A supportive move (in the wake of having cold water dumped on her enthusiasm) that was almost as uncaring and unbothered as Halsey saying, after Spears (or her “handler”) publicly declaring her disdain for “Lucky” 2.0, “I love Britney!!!! I always have and always will[,] you were the first person who ever made me realize what it means to feel inspired. And you continue to inspire me every day.”

    Because, no matter what Spears tries to do to deter her original millennial fanbase, there is, evidently, no behavior she can engage in that would ever turn them away from her often uncouth responses to their expressions of love. Besides, when you’ve got a territorial dick to swing, you’ve got to swing it.

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    Genna Rivieccio

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  • Can Marijuana Help Boomers Extend Productivity

    Can Marijuana Help Boomers Extend Productivity

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    As North American adults are living longer, can marijuana help them be more productive?

    Canadian are extended to live longer (52 more years) than Americans (49.3 more years). But both are an extension of life expectancy, allowing for a longer life and more years to have fun and be productive.  While being productive could mean work, it also includes enjoying life, family and passions. Can marijuana help boomers extend productivity? With legalization inching across the country, more 65+ citizens are taking a second look at the plant and starting to use it for chronic pain, intimacy and sleep.

    RELATED: Millennials And Boomers Differ On Marijuana Use

    Both the American Medical Association and the American College of Physicians agree cannabis has medical benefits. Not surprising since the majority of older cannabis consumers report using the plant for medicinal reasons rather than for recreational usage. Marijuana can help older people physically and mentally be more productive to enjoy well rounded later years.

    Photo by PICNIC_Fotografie via Pixabay

    While Boomers still primarily use cannabis for a medical benefits, there are more who are slowly seeing it as an alternative to alcohol, which is more harmful.  Medical marijuana’s anti-inflammation and ability to help with pain makes movement easier allowing for a more physical life. A good night’s sleep and helping with anxiety and depression are another to key factors to have a clear mind to make the most of the day ahead.

    Millennials make up the most of the full-time workforce with 49.5 million workers followed by Gen X at 42.8 million, Baby Boomers and Gen Z are tied at a little over 17 million. But Boomers are seasoned workers and adding a few years can make a difference in a strong economy. And while many companies are dealing with transitions from changing technology and trends. They can be a key factor in the economy.

    RELATED: Cannabis And Its Effect On Senior Sex

    A large marjority of Boomers who consume cannabis believe it relieves pain and has medical benefits. Boomers also have a highly favorable opinion if it can help a sick loved one, with 97% supporting its use in such cases. So the generation who continued the drug wars are now seeing value and are using it to make the most of their senior years.

    What is interesting, this generation entered adulthood when weed was the thing in the free love era, but we scared away by the Drug Wars. As they drift back to marijuana, they are staying true their roots. Boomers tend to purchase flower or bud and go the traditional routes of consumption by smoking or vaping.

    Life Of Seniors
    Photo by joyce huis via Unsplash

     

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    Terry Hacienda

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  • Best Ways To Make The First Part Of The Week Positive

    Best Ways To Make The First Part Of The Week Positive

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    The first part of the is filled with work, to-do things and prepping for 5 days of jobs stuff.  Going into the work week, some people experience sadness, anxiety, or lack of motivation which can be a routine, which is not healthy. While Boomers and Gen X were raised in a world with fewer life options and work was just a thing you had to do, younger Millennials and Gen Z’ers were given a somewhat different take.  Gap Years, working abroad, flex schedules and work at home gave them an option to craft a work environment suited to their needs. But as that falls away, stress and anxiety have increased. Some 39% of Gen Z feel regular anxiety. And roughly half of Gen Zs (52%) and millennials (49%) feel burned out by their job. So what are the best ways to make the first part of the week positive?

    RELATED: The Most Popular Marijuana Flavors

    Food

    Weekends are made for fun, indulgences and treats. Each week decide Monday or Tuesday will be fun or favorite food night. It can be something easy like Sloppy Joes, a speciality salad, a great steak, but something to look forward to and enjoy. Also, make it something easy but transforms Tuesday into something special. Food also releases mood-boosting serotonin and dopamine, which can brighten the earlier part of the week.  Food especially rich in those two include fish, grains, lean meats, olive oil and fruits and vegetables.

    Summer Lifestyle Photos 2023

    Swap beer for marijuana

    All studies show marijuana is healthier for the body than beer. Fewer calories, less boating, no hangover.  While California Sober has become a thing, more people are drinking less beer Monday-Wednesday and just having a couple of hits of a vape or a gummy.  They get the chill without the extra weight or hangover. Canada did a study on the trend, but ultimately it helps you maintain energy for the rest of the week.

    Plan something fun

    Everyone looks forward to the weekend as a chance to relax and do fun things. Why not put Monday or Tuesday night as a special activity night. Anything from bing watch 3 favorite shows, trying a new video game, a long soak in the tub, or an early dinner with friend. Transform Monday or Tuesday into “Fun Day” by either planning or spontaneously doing something enjoyable for 1-3 hours?

    RELATED: This Natural Cannabinoid Makes You Feel Happy

    Sleep

    Think about reversing the weekend sleeping in to sleeping early. Think about listening to calming music, read a book and just soak up snuggling in the bed. Avoid your phone and just relax and allow your body to unwind for a solid night’s rest.

    Hopefully these tips will transform the first part of the week into a self care enjoyable time…and give you the energy and a positive outlook for the rest of the week.

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    Sarah Johns

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  • Marijuana Can Bond Grandparents To Family

    Marijuana Can Bond Grandparents To Family

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    Like wine with dinner or a beer in the backyard, marijuana is becoming very common.

    With almost 60% of adults drinking alcohol, it has been a staple of family events. Relatives including grandparents, cousins, adult grandkids and more have sat at a table and toasted with beer, wine or booze….and now cannabis may be in the mix.  As legalization has grown, cannabis is being embraced by more people and is popping at all sorts of family gatherings. And, it seems, marijuana can bond grandparents to family.

    RELATED: The Most Popular Marijuana Flavors

    In a third party survey sponsored by Sanctuary Wellness, some interesting data has given hope about intergenerational bonding. There are all sorts of concerns about boomers and Gen Z not relating, but marijuana like music is showing a positive trend. Nearly one in three have tried cannabis, far less than alcohol, but still a significant number.  In the survey, Millennials use the most followed closely by Gen X then Gen Z and finally Baby Boomers. And while a whopping 86% of Gen Z and Millennials support the legaization of weed…a full 71% of Baby Boomers do also.

    Gen Z is slowly turning away from alcohol and feel they have way more stress than their grandparents.  Due to the embrace from the medical community, Boomers are starting to see cannabis as aid in dealing with chronic pain and sleep issues. The plant can be very effective without as many harsh side effects.

    Once interesting factor in the survey is the use of gummies. Microdosing has become huge and Gen Z sees it as a way to manage anxiety.  With gummies, you see 76% use of Baby Boomers and 72% with Gen Z….far higher than Millennials and Gen X.

    RELATED: The Most Popular Marijuana Flavors

    For many Europeans, alcohol is a part of their culture and viewed as a social activity. In Italy for example, children are eased into drinking with a bit of wine at dinner. They’re taught from an early age that alcohol is something to drink casually and in moderation. Alcohol abuse is less coming in Italy and France due to the generation training.  Maybe marijuana, which has clear medical benefits, could be another thing which generations share to make for a better life.

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    Amy Hansen

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  • 6 things to consider before borrowing from the Bank of Mom and Dad for your first home – MoneySense

    6 things to consider before borrowing from the Bank of Mom and Dad for your first home – MoneySense

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    Before locking into a familial loan, both parties must assess whether they are on the same page and are in a position to take on this type of agreement—along with knowing the power and relationship dynamics that could come with it. Here are six key considerations when borrowing from the Bank of Mom and Dad for your first home.

    1. Is it a gift or is it a loan?

    Determine if the financial help you’re discussing with your family is a gift or a loan. “Make sure there’s good communication with regard to the parent and the child about the nature of this,” explains Nicholas Hui, P.Eng, CFP,  an advice-only Financial Planner at VAVE Financial Planning. “Is it a gift, or is it a loan? If it’s a gift, then I highly recommend having a ‘gift deed.’ A loan could be set up with some type of contract with payment terms and then seek legal advice to make it rock solid.” (More on gift deeds in a sec.)

    If it’s a gift

    If your parents gifted you money toward the down payment for your home purchase, then your mortgage lender may need proof of a gift deed or gift letter. In Canada, a gift deed is a legal document that transfers ownership of a property or asset from one party to another without exchanging money. This document confirms that the down payment amount from your parents is truly a gift and not a loan, which helps your lender verify the source—and nature—of the funds.

    Hui also suggests discussing with your family whether it’s part of an early inheritance and, if not, whether other siblings should be informed to prevent future miscommunication over the division of assets, especially after your parents pass away.

    If it’s a loan

    If you’re considering a loan from a family member, discuss interest. If your parents decide to charge interest, it’s not necessarily a bad thing. For one, it could be beneficial to keep those funds “in the family” and support the Bank of Mom and Dad instead of a financial institution or mortgage company. And you’ll likely benefit, too, if the agreed-upon interest rate is less than prime. 

    Hui says parents could consider using the prime rate of Canada as a guideline (currently 6.95%) and then go a little lower or higher than that—but he says it’ll depend on the dynamics, loan amount and other factors. 

    Whether interest will be charged or not, Hui suggests having all aspects of the agreement—repayment timeline and terms of the loan—put in writing so everyone is on the same page.

    2. Consider the tax implications 

    While there’s currently no “gift tax” in Canada, there are some tax implications to be mindful of. Interest charged on a loan is taxable income, so your parents will need to know that. “Like any investment, they’re loaning money to their child. If you pay them ‘income’ for that loan, it’s taxable,” Hui says.

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    Alicia Tyler

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  • Nearly half of Gen Zers get help from the bank of mom and dad, report finds

    Nearly half of Gen Zers get help from the bank of mom and dad, report finds

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    To keep up with the high cost of living, many young adults turn to a likely safety net: their parents.

    Nearly half, or 46%, of Gen Zers between the ages of 18 and 27 rely on financial assistance from their family, according to a new report from Bank of America.

    Even more — 52% — said they don’t make enough money to live the life they want and cite day-to-day expenses as a top barrier to their financial success.

    “The high cost of living is certainly impacting Gen Z,” said Holly O’Neill, president of retail banking at Bank of America.

    The financial institution polled more than 1,000 Gen Z adults in April and May.

    Why times are so tough for Generation Z

    Many consumers feel strained by higher prices — most notably for food, gas and housing. However, those just starting out face additional financial challenges.

    Not only are their wages lower than their parents’ earnings when they were in their 20s and 30s, after adjusting for inflation, but they are also carrying larger student loan balances.

    Even compared with millennials, Gen Zers are spending significantly more on necessities than young adults did a decade ago, other reports show.

    They also have the debt to prove it. Roughly 15% of Gen Zers have maxed out their credit cards and are at risk of falling behind on payments, more so than any other generation, the New York Fed reported in May

    “What delinquency rates are showing is that there is increased stress among some segments of the population,” the New York Fed researchers said at the time.

    ‘The high cost of housing definitely is a barrier’

    In the years since the Covid pandemic, homeownership has been one of the greatest tools of wealth creation — and those who have been priced out of the housing market have disproportionately struggled to achieve the same level of financial security, according to Brett House, economics professor at Columbia Business School.

    “That is a massive challenge for wealth accumulation among Gen Z,” he said.

    More from Personal Finance:
    Inflation is causing financial stress
    This ‘bucket strategy’ could lower your taxes in retirement
    More Americans are struggling even as inflation cools

    Second only to food and groceries, housing is the expense most young adults today need help with, Bank of America also found.

    “The high cost of housing definitely is a barrier for them,” O’Neill said. “We also found that the majority of Gen Z don’t pay for their own housing.”

    Experts recommend spending no more than 30% of your take-home pay on shelter, but many young adults covering their own expenses are shelling out far more. Two-thirds of those Bank of America surveyed said they put more than 30% of their paycheck toward housing, and nearly a quarter spend upwards of 50%.

    O’Neill said she advises her own Gen Z children to adhere to the 50-30-20 rule, which recommends putting 50% of a paycheck toward necessities, including food, housing and transportation, 30% to discretionary spending and the remaining 20% into savings.

    Fewer Americans feel financially comfortable overall

    But it’s not just Gen Z struggling. Most Americans believe they don’t earn enough to live the life they want these days, according to a separate survey, by Bankrate.

    Just 25% of all adults in the survey said they are completely financially secure, down from 28% in 2023, the report said.

    The survey respondents said they would need to earn $186,000 on average to live comfortably, Bankrate found. But to feel rich, they would need to earn a bit more than half a million a year, or $520,000, on average, the survey found.

    Similarly, inflation’s recent runup and specific challenges related to housing costs and college affordability were significant obstacles to achieving financial security, according to Bankrate.

    “Many Americans are stuck somewhere between continued sticker shock from elevated prices, a lack of income gains and a feeling that their hopes and dreams are out of touch with their financial capabilities,” said Mark Hamrick, Bankrate’s senior economic analyst.

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  • Why Gen Z and millennials just aren’t that into stocks and bonds

    Why Gen Z and millennials just aren’t that into stocks and bonds

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    There is a generational divide among wealthy Americans when it comes to investing. According to a survey published today by Bank of America Private Bank of over 1,000 high-net-worth individuals, 72% of younger generations (millennials and Gen Z) believe it’s no longer possible to achieve above average returns by investing solely in traditional stocks and bonds, which is more than double the number of older investors (Gen X, baby boomers, and the silent generation) who share that sentiment.

    The survey found that Gen Z and millennials are exploring opportunities away from traditional markets, with about one-third of their portfolios dedicated to alternative investments and cryptocurrencies; the older generations said they’re putting just 6% into these categories. It’s then perhaps unsurprising that, on average, three-quarters of portfolio allocations among the 44-and-over crowd are in stocks and bonds, with this number dropping to 47% for the younger group.

    “While the majority of high-net-worth individuals are optimistic about stock market growth, millennials and Gen Z investors are looking beyond traditional stocks and bonds,” Jeff Busconi, head of wealth management strategy at Bank of America Private Bank, said in a video accompanying the report.

    Zooming in further, the younger generations surveyed are allocating 14% of their portfolios specifically to crypto, while around half of this demographic owns at least some crypto. By contrast, the older groups have allocated just 1% of their portfolios to crypto. Moreover, when it comes to the greatest opportunities for growth, 28% of the younger group ranked crypto and digital assets second—behind only real estate—compared with just 4% of the older generations, which ranked those assets eleventh, tied with private debt.

    The younger investors also reported that they’re allocating three times as much of their portfolios to alternative investments (17%) compared with those of respondents 44 and up (5%). Unlike stocks and bonds, alternative investments include hedge funds, private equity, and real estate, and “often employ more sophisticated strategies, such as hedging, leverage, and investment concentration,” according to Bank of America. The vast majority of younger generations said they plan to allocate more of their portfolio to these alternative investments in the future, and the survey also found social media to be the primary source of financial content for about half of Gen Z and millennials, compared with just 6% of the older generations.

    “These generational differences amid the great wealth transfer, already in motion, makes preparing and planning all that more critical,” Busconi added.

    The Great Wealth Transfer refers to an intergenerational transfer of assets underway in the U.S., as Gen X, baby boomers, and the silent generation (77 and up) pass along their significant holdings over the next two decades. This transfer could be worth as much as $84 trillion, with $72 trillion of that going to heirs and the rest to charities, according to the consulting firm Cerulli Associates.

    Learn more about all things crypto with short, easy-to-read lesson cards. Click here for Fortune’s Crypto Crash Course.

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    Niamh Rowe

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  • Mark Zuckerberg is quietly sitting on a shopping empire with 4 times the customers of Amazon, as Facebook Marketplace skyrockets

    Mark Zuckerberg is quietly sitting on a shopping empire with 4 times the customers of Amazon, as Facebook Marketplace skyrockets

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    Ethan Gaskill, a 29-year-old content creator, begins everyday the same way: “When I wake up in the morning—most people get on their phone and start checking Instagram—I check Facebook Marketplace.”

    With his Los Angeles home furnished almost exclusively with second-hand items and a TikTok with over 220,000 followers interested in his thrifty hauls, Gaskill trusts the shopping platform to be a reliable source for hidden gems: a thousand-dollar Herman Miller light and pendant he nabbed for $400; a $5,000 bed from the same designer he bought for 20% of the original price; and, a Founders mid-century dresser worth $4,000 that Gaskill got for $800.

    “It gives an opportunity for people to possibly bring in really rare items or just one-of-a-kind items into their home that otherwise they wouldn’t have had if they couldn’t make it out to a flea market or estate sale,” Gaskill told Fortune.

    Facebook Marketplace has not only become a trusted source for LA’s second-hand scene. It’s made itself a real contender to go toe-to-toe with well-established e-commerce sites. Facebook has grown to 3.07 billion monthly active users (MAUs) as of the end of 2023, a 3% year-over-year increase. Of those, up to 40%, or 1.2 billion, are active users shopping on Marketplace, according to a March report from Capital One Shopping.

    Meta’s online second-hand market is already challenging the sector’s goliaths. Marketplace eclipsed Craigslist’s MAUs years ago, with Meta CEO Mark Zuckerberg saying in 2018 that there were 800 million Marketplace MAUs, compared to the 55 million visitors on Craigslist in 2017. In contrast, Amazon had 310 million monthly users in 2023, per Tech Report, about one-fourth of Marketplace’s MAUs. Marketplace is the second most popular site for second-hand purchases behind Ebay, according to a 2022 Statista report.

    “This is a growth area,” Charles Lindsey, associate professor of marketing at University at Buffalo School of Management, told Fortune. “It wouldn’t surprise me if in three years, five years, it actually overtakes Ebay.”

    Amazon and Ebay did not respond to Fortune’s request for comment.

    From online garage sale to e-commerce giant

    Marketplace’s astronomical growth is in large part because the platform is simply easy to use and already linked to a site where so many people are pre-existing members, Lindsey argued. 

    “There’s a trust factor because it’s associated with Facebook,” he said. “It has an easy-to-use interface. It’s integrated with Facebook Messenger, so it’s easy to kind of go back and forth.”

    Launched in 2016, Marketplace was originally a way to facilitate sales among neighbors, with most users offering up a used item for sale at a reasonable price, and buyers picking up the item and coordinating with the seller over Facebook Messenger about collection and payment. But Marketplace grew into a formidable e-commerce platform, with one-in-three U.S. Facebook users on the platform by 2018. Through the pandemic, Marketplace exploded thanks to increased reliance on e-commerce and supply chain and shipping delays that inconvenienced traditional shopping.

    “We’re seeing everyone from artisans hand making goods, to wood workers to car sellers thrive,” Deb Liu, founder and then-Marketplace vice president, told Modern Retail in 2021. 

    By then, Marketplace had become a boon not only for thrifty shoppers, but small businesses looking for unique sales avenues. Springfield, Missouri-based Beautiful Fight Woodworking generated $168,000 of its $266,000 revenue in 2020 exclusively through Marketplace sales. 

    To be sure, the platform isn’t without significant problems, particularly as scammers and bot accounts have proliferated the site, giving well-intentioned buyers a tough time. One South Carolina user claimed in February he was scammed out of $18,000 after putting his 2016 Audi up for sale on Marketplace. A 2022 thinkmonkey survey of 1,000 Brits found that one in six had been scammed on the platform.

    “What happens offline often makes its way into online environments, and that unfortunately includes scams,” Ryan Daniels, a Meta spokesperson, told Wired. Meta said it works “aggressively to quickly identify, disable, and ban scams and accounts associated with them.” 

    Gen Z’s new favorite social media

    Through its ascension, Marketplace has won over a generation of young people who had largely turned away from Facebook.

    “I look at it like it’s like a social media app,” Dre Vez, a 25-year-old content creator, told Fortune.

    Vez spends about six to 12 hours a day on Marketplace, where he makes a living “trolling” sellers by asking them over voice memos to test the product, before uploading the interactions to TikTok for his 755,000 followers.

    He finds Marketplace not just fodder for entertaining videos but also as a real social media tool for Gen Z and millennials because it’s fast-paced and highly stimulating.

    “It’s the ability to have several interactions in a short duration of time, where I could go on Facebook marketplace, and I could search up for a bike, and I could reach out to seven to 10 different people and have all these conversations going on at the same time,” he said.

    Even on days when he can’t find a good deal, Vez finds some laughs on the site. Sellers have gotten away with listing used toe nail clippers, toilet brushes, plungers—even a Dorito in the shape of a face going for $10,000, he recalled.

    Meta has taken notice of its enthusiastic young users. While Facebook’s popularity among teens has dwindled in the wake of TikTok’s rise, Facebook now has over 40 million daily young adult users aged 18 to 29 in the U.S. and Canada, a three-year high, with one in four using Marketplace, Meta told Fortune.

    To second-hand connoisseur Gaskill, who checks Marketplace five to 10 times a day, the platform is compelling to young people because it appeals to their desire for independence, to save money, and protect the environment against the strains of mass production and freight. 

    “Just given the circumstances with the economy, but also just the mindset of like Gen Z, they love uniqueness, and they love self expression,” he said. “But they also really like finding things for a good price.”

    Finding room to grow

    But just because Meta boasts a growing fandom for its Marketplace platform doesn’t mean its a lucrative arm of the company. Meta did not respond to Fortune’s request for comment on how it makes money through Marketplace, but marketing professor Lindsey suggests the company benefits from seller transaction fees, as well as more eyes on the website’s advertisements.

    “Just overall, the more likely someone uses Facebook Marketplace, probably the more likely they also log into Facebook so many times per month,” he said. “Then Facebook capitalizes on that by being able to have companies pay for advertising that then hits my feed, hits your feed.”

    The EU’s European Commission alleged in December 2022 that Facebook and Marketplace tie together and use data in a way that infringe on the EU’s competition rules, according to a December 2023 SEC filing.

    Marketplace is, in part, an important facet of Facebook’s financial puzzle because its locally based exchanges are low-expense, according to Sucharita Kodali, retail industry analyst for market research firm Forrester—especially, compared to Ebay, which requires a massive international infrastructure.

    “It’s an enormous transaction volume,” she told Fortune. “With that transaction volume comes a kind of a necessary investment in a lot of automation, customer service, seller management, seller tools, etc.”

    While Facebook Marketplace doesn’t need an elaborate system to manage local transactions, it also means it’s likely not making as much money as its e-commerce competition. In fact, Kodali went so far as to call Marketplace an “anti-commerce” platform because it has so many “buy nothing” groups and peer-to-peer exchanges. She took a similar stance as Lindsey, arguing the financial merit of the platform is to help better target ads for active users.

    “It’s not really about, like, ‘Let’s make money off of the volume of posts that we see on the marketplace section,’” she said.

    Marketplace’s virtual garage sale vibes and community feel of the platform may not be raking in billions of dollars for Meta, but they’re exactly what keeps users coming back to the site.

    “You never know when that next amazing thing is gonna pop up,” Gaskill said. “That’s the fun of it. That’s kind of what keeps it addicting.”

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    Sasha Rogelberg

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  • Marijuana Dosing For The First Half Of The Week

    Marijuana Dosing For The First Half Of The Week

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    It was common and part of the American myth, guys would come home after work and pop a beer.  Or stop by their “local” for a quick one before heading to the house. But the world has changed and more people are concerned about weight, calories and health impacts. A survey by the American Heart Association found millennials, more than previous generations, are more likely to engage in healthy behaviors, such as regular exercise and maintaining a healthy diet. In addition, Gen Z seems to be the first generation to slowly move away from alcohol, and a portion are moving to marijuana.

    RELATED:  Are You Really Ready To Try THC-P

    Thanks to anecdotal and hard data, there is now a slow trend where after work instead of a grabbing a beer, people are taking a puff or popping a gummy.  Same relaxation, but with less side effects. But what should be the marijuana dosing for the first half of the week? It is important you don’t rely on anything every day to relax.  To do so could be a sign of addiction. But if you are want a quick, after work cool down.  Here are some suggestions.

    Photo by Ivan-balvan/Getty Images

    Consider vaping, gummies or tinctures. These vehicles are easy to consume and you don’t have to commit to a big dosage.   A couple of hits on the vape while unwinding should be enough to release the tension while doing Monday stuff. The same line goes with gummies and tinctures.

    RELATED: The Most Popular Marijuana Flavors

    A suggested dosage of marijuana for a low key chill is between 5-7.5 milligrams (mg).  A study revealed participants who received 7.5 mg. of THC reported less stress after the psychosocial test than those given a placebo, and stress levels dissipated faster after the test.  This would equal a couple of dose on a vape or about 1.5 gummies.  (with gummies having a bout 5 mg of THC).

    Alcohol sales, a predictor of use, shows the first half of have low sale but by Thursday it is has jumped 2.5X. Marijuana should follow in the same footprint.

     

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    Anthony Washington

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  • Millennials Reveal The Tough Realities Of Having Their Broke Boomer Parents Move In With Them

    Millennials Reveal The Tough Realities Of Having Their Broke Boomer Parents Move In With Them

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    Contrary to ~popular belief~ not every millennial blew their money on avocado toast, and some have actually been able to buy homes (despite it being a tough housing market). And, also, contrary to the popular media narrative of millennials moving back in with their parents, recently Fortune published a story about the opposite: how there has been a growing trend of boomers not being able to afford to live on their own and having to move in with their millennial children.

    MelanieMaya via Getty Images

    Well, Reddit user LightRobb shared the article on the Boomers Being Fools subreddit, where it was met with TONS of comments. While there were lots of positive comments from millennials who had let their parents move in or said they would let them move into their house, there were also lots of not-so-great comments from people who had let their parents move in and it ended up being a less than ideal situation.

    ProfessionalStudioImages via Getty Images

    Below are some of the top and best comments:

    1. “And then when they move in, they have the audacity to try and establish ‘rules’ with you.”

    2. “My wife’s boomer parents pissed away all their money buying survival supplies from Glenn Beck and AR-15′s, racked up thousands in credit card bills, have had their identity stolen seven times, and then when their homeowners insurance skyrocketed, in Florida of course, they were forced to sell their home. Me and the wife moved them to us on our dime, bought them a home which they pay $1,000 ‘rent’ for, all utilities included, which is a loss of at least $2,500 a month for us. And…”

    “They are miserable and unhappy and want to move back to Florida. They live in absolute luxury in a house they pay almost nothing for and are the most ungrateful sons a bitches on the planet. All they do is call me to bitch about every minor inconvenience. And now that they paid off their bills with the sale of their house, right back to buying QVC garbage and survival supplies for the end of the world that is never coming. My FIL, and I wish I were f’ing with you here, has enough toilet paper stockpiled in the garage, that if he and my MIL shit 20 times a day, every day, they would have enough toilet paper for the next 32 years. I did the f’ing math.”

    3. “Literally got into an argument because I asked my mom to take her shoes off in my house. You’d have thought I slapped her in the face.”

    Photographer, Basak Gurbuz Derman via Getty Images

    4. “I had my mom move in — after she sold her house post-COVID and was still in debt after selling with equity due to poor choices. I had three rules: 1.) Always remember it’s my house, 2.) I won’t charge rent, but you need to show me you are savings rent’s worth a month in an account, 3.) Never make me feel uncomfortable in my own home.”

    “It lasted three months before she moved out on her own. Apparently, me letting her live rent-free at my house and having to be respectful of someone else’s rules (adapting to the lifestyle of the house as it was is a better way of describing it) was too much to bear. Left acting like a victim.

    I had a very real conversation with her, stating that I will not be sacrificing my children’s future wealth to help her out. Her whole life she voted for all the nasty shit Republicans did to our social safety nets because God and abortion. I will buy her a tent, and a very nice one, but she will never move in with us again.”

    5. “My boomer grandma freaked out because after she asked me to stay with her, I had the audacity to continue being a vegetarian, went shopping on my own to get some alone time, and did not read her mind that ‘I want to sell my car’ meant ‘Do all the work to sell my car for me.’”

    6. “GF’s boomer grandma refused to use the $200 water purifier we bought because she ‘only drinks bottled water’ and constantly complained about it. We finally got her a personalized Hydro Flask for Christmas and banned bottled water from the house, and suddenly, it’s ‘I could get used to this, saves me a ton of money now that I don’t have to buy a pallet of bottled water every month.’ So f’ing annoying.”

    Supachai Panyaviwat via Getty Images

    7. “My boomer mother literally tried to tell me to stop being friends with someone because she thought they were a bad influence. I’m 30, I think I’m past the age of trying to live it up and trying drugs. She was pissed that I didn’t respect her.”

    8. “My ex-girlfriend did this shit to me [letting her mother move in], and it led to our breakup about two months later. Anyway, she made us adhere to her rules and tell us what we could do in our own house. My ex acted like it was such a blessing. THEN, her mom started telling her she needed a man who would take better care of them and to dump me.”

    “I listened to them hatch this whole plan out, while they thought I was sleeping, of how they were going to take everything and move in with this loser that had ‘wealthy’ parents. So I started packing my shit, and moved out within a week of hearing that. After I left, my ex got tired of her mom and made her move in to some cheap slum apartment across town and fend for herself.”

    9. “I’m Gen X, and my boomer parents moved in with my family. One night my husband and I went out and weren’t home at the time my mom thought we should be. The phone call came, asking where we were — my husband was not pleased. The next day I had to remind my mother that I AM 50 F’ING YEARS OLD.”

    RainStar via Getty Images

    10. “I bought a house with an in-law apartment because my mom couldn’t afford rent after divorcing my dad (who raked her over the coals in court for three years). She finally now understands why I was struggling, and that she can now empathize with younger generations because she struggled to pay her rent while working for the state. She’s always been one of the good ones, but damn if it wasn’t infuriating seeing her give herself the grace I deserved when I was struggling.”

    11. “My mom accused me of starving my dogs because I fed them measured amounts twice a day in line with their calorie needs to maintain a healthy weight. On top of it, one was fresh out of the shelter and still recovering from a tapeworm and heart worm infection. He was getting a bit extra and putting on weight fast, but she didn’t know that. I asked her why she was yelling as calm as could be, and it literally jammed her up like a wrench in the gears. It was glorious. Then I realized, I have power.”

    12. “My boomer dad just turned 69. He moved in with me and my two children a year ago. I live in a small two-bedroom apartment. I told him no smoking in the house, but I caught him smoking on several occasions in my bathroom, and then the whole house will stink. I’m working on getting him out. I asked him for some money to help out with bills and groceries, and he said, ‘Can you just leave me alone until the end of the month.’ He wasn’t supposed to be here permanently; this was only supposed to be temporary. Now I don’t have a living room, and I have a leech for a dad. I can’t wait to finally get him out.”

    Halfpoint Images via Getty Images

    13. “My dad moved in with my sister, her husband, and their three kids. Yeah, she kicked his ass out. He was constantly making a mess, eating all the food, and yelling at the children. Also mix in all the recent wild Fox ‘News’ nonsense, yikes. He was an ass when we had to grow up with him, but at least back then, he somewhat tried to be a parent when we were kids.”

    14. “I invited my boomer parents to live at my house for a few years so they could sell their house and save up for a while to buy something that they really wanted (as they circled the deathbed of my grandmother for the inheritance money). It was a mixed blessing. Some good came of it. A lot of bad. I’m not as close to them as I used to be, but it helped me out quite a bit at the time, and they were here during 2020 so it was nice to know they were ‘safe’ even though they weren’t being safe…because boomers.”

    “That said, unlike a lot of other people, my boomers were there for me when I needed them. I had to move homes a few times in my 20s and once in my 30s, and they always welcomed me back with grace. So helping them and living through a few years of frustration hearing their boomer rhetoric come up through the floor was the least I could do. And the most I was willing to do.”

    15. “Don’t get me started. My parents live with me, I take care of them, and they still treat me like shit. They’re alive because of me. I revolve my life and calendar outside of work around their medical needs. My stress is so high, and it’s not going down. They’re so mean and entitled.”

    Uma Shankar sharma via Getty Images

    16. “My parents had to move in with me and my husband for a few months several years ago. It was PAINFUL. My mom kept rearranging furniture and the kitchen drawers. To top it (all) off, I was deep into wedding planning, and she wanted nothing to do with that except to tell me what she expected the seating chart to be and that I had to have fine china on my registry despite me saying numerous times I didn’t want china. Oh, she also burned several cigarette holes in the couch on our porch and didn’t even apologize, just saying, ‘It’s not like it’s a nice couch anyways.’ Longest three months of my life.”

    17. “I actually purchased my home specifically so my father could move in with me. In-law suite on the first floor. Why? Why? Why? My father has gone full boomer. There is no way in hell that man can move in with me. I would rather sell my house than him move in.”

    18. And lastly, ”‘No.’ Is a complete sentence. My Texan in-laws did not plan for their retirement, and always told my husband they would live with him since he’s the oldest son. They refused to help us — including babysitting their grandkids while their son was in the hospital with a burst appendix. When they complain they can’t afford retirement and need a cheaper place to live, I respond, ‘That’s too bad, but we have no room for you here.’”

    Sergio Mendoza Hochmann via Getty Images

    You can read the original thread on Reddit.

    Note: Some responses have been edited for length and/or clarity.

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  • Millennial Mindfuck, Or: Quiet on Set: The Dark Side of Kids TV

    Millennial Mindfuck, Or: Quiet on Set: The Dark Side of Kids TV

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    For many millennials living in the U.S., Nickelodeon wasn’t just a staple of growing up…it quite literally raised a generation. With the curtain presently being pulled back on what went into making the shows (or “creating the content,” as it would now be said) that formed the millennial mind, it seems just another “house of horrors” (as one child actor’s mom put it) to reckon with (along with Britney Spears’ conservatorship being a needless sham). Another unmasking that proves everything that was once presented to the public on the surface is a lie. But it’s an unmasking that has been slowly peeled back over the years, whether via speculation about the inappropriate relationship between Amanda Bynes and Dan Schneider or the slew of viral compilation videos from Schneider-produced shows that feature overtly sexual innuendos (among the most blatant being Jamie Lynn Spears getting squirted in the face in a manner that mimics a cum shot and Ariana Grande stroking a potato like a penis and demanding, “Give up the juice”). 

    In Mary Robertson and Emma Schwartz’s four-part docuseries, Quiet on Set: The Dark Side of Kids TV, these are among the topics explored, along with the urgent need to overhaul the entertainment industry and its handling of child actors. For, despite certain “rules” being in place, like the requirement of a parent or appointed guardian to be on set at all times when their child is working, there remain far too many ways for a child to be abused or taken advantage of. As was the case for many child actors working on Schneider’s sets. Among the most shocking revelations is Drake Bell of Drake & Josh (a series that ran from 2004 to 2007) revealing that he was the one who was sexually assaulted by Nickelodeon-employed dialogue coach Brian Peck during the period between The Amanda Show and the filming of Drake & Josh. Bell was fifteen and sixteen during the time when it happened. 

    Although the court sealed the documents with the name of the child star in question, certain key people (particularly the higher-ups at Nickelodeon and Schneider himself) were aware of the “incident” (a word that puts things mildly). Which was hardly limited to one occasion, but rather, ongoing and relentless. With little opportunity to escape from Brian’s clutches as he had maneuvered his way into every aspect of Bell’s existence, even managing to oust his father, Joe Bell—the only person who could see Peck for what he was (i.e., a creep and a pedo)—from his life by convincing him that Joe would ruin Bell’s career. Naive and inexperienced enough to believe Peck had more knowledge about succeeding in Hollywood, the management of Bell’s career was then deferred to his mother, who let Brian handle most of it, including driving Bell to auditions and then suggesting he simply spend the night instead of being driven all the way back to Orange County and then have to wake up extra early to get to another audition in L.A. 

    As Bell begins to slowly unravel his horror story, he reaches the moment of truth in describing his inevitable abuse. Unable to put into words what happened, Bell told Schwartz, who interviewed him for this portion, “Why don’t you do this? Why don’t you think of the worst stuff that someone can do to somebody as a sexual assault, and that’ll answer your question.” Schwartz was, indeed, instrumental to getting Bell to finally share his story, with Bell remarking, “She was very sensitive, and we kind of became buddies before [the docuseries], and I could tell that she was coming from a genuine place. When we started our back and forth and it wasn’t [from] an angle of, ‘Okay, what do I have to say to get him involved’ and ‘I’ll just say what I need to say to convince him.’ I really felt a comfort with her.” 

    The type of comfort that was obviously lacking from Schneider’s sets. Not only because no one felt safe telling him “no,” but because overtime was frequently an expectation. Especially on the “all-new” All That, with former cast member Kyle Sullivan stating, “The set on All That was dysfunctional. You could just kind of get away with more. Like going overtime in ways that were sort of pushing the envelope.” Former cast member Bryan Hearne adds to that, “They’d be like ‘Hey, can you stay an extra however-long?’ ‘I guess, sure.’ You kind of look at your mom like, ‘We’re ignoring child labor laws again, do you know that?’ All right, let’s shoot.” Indeed, Hearne’s mother, Tracey Browne, is the one who brands the network a house of horrors in Quiet on Set, both upset that Hearne was ousted from the series after just one season, but relieved to see him released from the toxic environment that would turn out to be more toxic than she ever could have fathomed. In fact, it was parents like Brown who often “ruined” their kids’ careers for being “too involved” or “too concerned.” That isn’t something Schneider could abide on his dictatorial sets. And since many parents wanted their children to succeed, they went along with it. Much as the parents who let their children sleep over at Michael Jackson’s house. 

    Amanda Bynes’ parents, Lynn and Rick, ostensibly had a go-with-the-flow attitude as well. What with Bynes instantly becoming Schneider’s “new favorite” and often spending plenty of time alone with him in his office while others remained on set. According to former All That cast member Leon Frierson, “There would be times where Amanda would just be missing, and a lot of times we would just hear that she would be with Dan pitching ideas and writing.” Regardless of whether or not Schneider managed to do something sexually inappropriate during those countless hours spent alone with her, there’s no arguing that someone of his age and power position should not have ever been totally alone with Bynes. As for the potentially sexual nature of their dynamic, resurfaced 2010 tweets from Bynes’ account when she was going by Ashley Banks state the disturbing information, “Can you imagine having an abortion at 13 because your boss impregnated you.” While not everyone is convinced that the account was Bynes’, something about that declaration rings eerily true based on everything viewers are shown on Quiet on Set—especially the clearly rampant pedophilia at Nickelodeon (side note: another documentary [released in 2020] called Happy Happy Joy Joy dissects Ren and Stimpy’s creator John Kricfalusi, and the eventual sexual allegations against him). 

    Schneider’s perverse sense of humor (if that’s what one wants to call it) was also deeply rooted in the “thrill” of getting overtly sexual innuendos past the censors. For example, one idea that Dan came up with and certainly not Amanda was to create a character named Penelope Taynt. The word “taint” being a reference to the area between the penis and the anus. Per Jenny Kilgen, one of two female writers on The Amanda Show who were illegally asked to share one salary for what would have been given readily to a male writer, Schneider told the writers of that word, “Don’t tell what this word really means. He wanted us to keep that a secret.” Which is one of many reasons why the final statement he gives to Quiet on Set for inclusion as a title card at the end of the show is total bullshit. In it, he assures, “Everything that happened on the shows I ran was carefully scrutinized by dozens of involved adults. All stories, dialogue, costumes and makeup were fully approved by network executives on two coasts. A standards and practices group read and ultimately approved every script, and programming executives reviewed and approved all episodes. In addition, every day on every set, there were always parents and caregivers and their friends watching us rehearse and film.” 

    Obviously, the approval of all his work stemmed not only from his ability to “sneak in the sex elements,” but his immense power at the network. Which was at a level that would never allow him to be questioned. After all, this was their “brilliant” hitmaker, why “intervene” with his “process” when the money kept rolling in?

    Kate Taylor, a journalist for Business Insider, paints the picture of Schneider’s increasing power at Nickelodeon in the final episode, “Too Close to the Sun.” A depiction that knocks Schneider’s response about the whole thing out of the water: “By the late 2000s, Dan had more control than pretty much any showrunner at Nickelodeon. He had created his own little fiefdom.”

    Culture writer Scaachi Koul added, “[His style] really pushed the boundaries of sexualizing young girls.” Cue the cut to a scene of Ariana Grande on Sam & Cat being surrounded by a circle of boys spraying her with their water guns while she laughs and laps it up in a bikini top and shorts, or Tori (Victoria Justice) asking Jade (Elizabeth Gillies), “Wanna get slapped with a sausage?” while holding up an actual sausage on a skewer. Jade leans her cheek toward it and says, “Sure.” Then cue another scene with a joke about being “on the wood” (“I want to be on the wood! What’s the wood? I want to be on it”).

    As the episode then pushes into the Zoey 101 era, a costumer for the show who chooses to keep her face off-camera notes, “I always thought Dan had a little bit of an arrested development and he was like that boy that wanted the cute girl to like him.” Based on this endless barrage of examples from his shows that parade these “jokes” that usually degrade the girl at the center of them, that theory holds plenty of weight. 

    In another segment, Mike Denton, a cameraman for iCarly, Sam & Cat and Victorious, commented, “In my mind, a kids’ show should be exactly what it is: a kids’ show. And sometimes there were scenes where there was a prop that was like, ‘Hmm, that could be a sexual innuendo.’” Complete with melons being held up to one’s chest, sucking on pickles, a latex glove blown up to look like a nipple-laden udder—we’re talking the gamut. And then there is Schneider’s well-known fetish for close-ups on feet and tongues licking various objects. “Was anyone able to say anything—?” “Oh no, no. This is, it’s Dan’s baby.” Again, this speaks to the immense power Schneider had over the network. Whatever he said went, and he made them too much money for them to pull at any very glaring threads. 

    “Dan was Nickelodeon’s golden boy,” Koul confirms. “And even if he and the network were at odds, he had the power to push back. It was very hard to say anything to him.” Even and especially when it came to the “online extras” that were released during the Victorious era. Namely, videos of Ariana Grande licking/biting her own foot, putting tomatoes into a bra and pouring a bottle of water all over her face (because, needless to say, Schneider likes cum shots). In effect, these videos come across more like OnlyFans content than kid-friendly fare. 

    In terms of Schneider’s conceptualization for Victorious, his ominous take was: “If there is anything I’ve learned about kids today—and I’m not saying this is good or bad—it’s that they all want to be stars.” So “desperately,” in fact, that they would endure the abuse of working for Schneider. As though to drive home the point that Nickelodeon in general and Schneider’s series in particular were a breeding ground for abusers (and, oh yeah, pedophiles), Łukasz Gottwald a.k.a. Dr. Luke provided the theme song for the show, and undoubtedly greased the wheels to get Kesha to appear on it (when she was still Ke$ha) in 2011. Just three years later, at the beginning of 2014, Kesha would blaze a trail for blowing the whistle on abusive men by checking into rehab for her eating disorder, which she mentioned was mostly due to the verbal lashings she suffered from Dr. Luke telling her things like how was the size of “a fucking refrigerator.” 

    By the end of the year, the extent of Dr. Luke’s abuse was further revealed when Kesha filed a civil suit against her longtime producer for “infliction of emotional distress, sex-based hate crimes and employment discrimination.” If only some of the Nickelodeon stars and staff had been able to do the same. But in 2014, it can’t be overstated how groundbreaking Kesha’s announcement actually was. After all, this was the same year that Schneider was honored at the Nickelodeon Kids’ Choice Awards with a Lifetime Achievement Award. This in spite of all the open secrets and whisperings about his behavior that had gone on for decades at this point. In this regard, there’s certainly no denying the Harvey Weinstein parallels to Schneider—complete with asking women for massages. While Schneider “at least” didn’t do so after cornering them in a hotel room, it was a different kind of degradation to be asked to do such a thing in front of so many people. Not to mention the implication that Schneider didn’t value the actual work these women were employed to do on the set (i.e., wardrobe and costuming). 

    Schneider’s repeated ability to bake sexual and debasing content into his shows not only went unchecked, but undoubtedly influenced an entire generation of unsuspecting child viewers who were, at the time, too innocent to read into what they were seeing. Of course, a spokesperson for Schneider claims that it’s only perverted “adult minds” that would think such a thing, insisting, “Unfortunately, some adults project their adult minds onto kids’ shows, drawing false conclusions about them.” Um no, the conclusions are pretty clear. And there’s no doubt that this content was able to slip through the cracks precisely because, for many kids watching, these shows were their “caretaker,” their “babysitter” when there weren’t any adults around. Just as there seemed to be no adults around on the set of Schneider’s various series. 

    “Who is sexual innuendo for on a kids show?” Koul ominously asks at what point. The only answer can be, well, pervs and pedophiles. Like the very people who worked on and created these shows. Because it wasn’t just Schneider and Peck who turned out to be of dubious intent in their dealings with children, but also Jason Handy (of all the last names), a production assistant/self-described “full-blown” pedophile, and Ezel Channel, a man who was already registered as a sex offender when he was hired to work at Nickelodeon’s Burbank lot. Subsequently, he brought an underage boy to that lot and abused him there.

    As for Schneider’s attempt to “make good” with what amounts to a twenty-minute deflection posing as a mea culpa, Alexa Nikolas of Zoey 101 said it best when she responded, “Where’s a phone call of an apology? How come you can do all of this, how can everyone do all of this but not reach out to the person that they hurt?” Drake Bell made a similar assessment about Nickelodeon’s public apology, deeming it “pretty empty.” 

    As for millennials who ever dare to rewatch any of these series in the present, they might as well have the same disclaimer as Quiet on Set does before each episode: “This series investigates the abuses experienced by children from the adults they were expected to trust.” In a way, the same statement can be applied to millennials who were expected to trust the generation of adults that created the current climate (literally and figuratively).

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    Genna Rivieccio

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  • Gen Z and millennials look to relatives for down payment funding

    Gen Z and millennials look to relatives for down payment funding

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    HOUSTON, Texas — The real estate market is still a tough sell for first-time home buyers.

    The country is experiencing the highest mortgage rates and home prices in a generation, and a lot of people are having a hard time saving up for a down payment.

    Local real estate expert Tricia Turner said the pandemic is behind us, but there are still lagging factors from lockdowns impacting the market. Many young people moved in with their parents, and now those relatives are ready for their kids to relaunch.

    SEE ALSO: Texans are paying the 7th highest property taxes in the United States, report shows

    Turner also explained that there’s other assistance available for first-time home buyers, even if they don’t have family members who can help them with money for a down payment.

    You can watch Turner’s full interview in the video player above.

    For updates on this story, follow Briana Conner on Facebook, X and Instagram.

    RELATED: Average Houston home buyer needs 70% more income than in 2020, study finds

    Prospective homebuyers in Houston’s housing market need to drop big money as mortgage rates lock in at record numbers, officials say.

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    KTRK

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