Latest news with #Chariot
Forbes
8 hours ago
- Business
- Forbes
Is This The Boost That Donor Advised Funds Need To Hit Their Stride?
The Donor Advised Fund market is big with an estimated $250 billion held in these consumer-level, tax-advantaged charitable savings accounts, but the industry still needs technological and marketing innovation to realize its potential. Big news in DAF-land was this week's launch of GoFundMe Giving Funds, a virtual space that enables consumers to easily create their own DAFs. 'This new giving tool brings the power of donor-advised funds (DAFs) to a broader audience, eliminating traditional barriers like high minimums and fees,' explained Margaret Richardson, GoFundMe's chief marketing and corporate affairs officer. Margaret Richardson, GoFundMe's chief marketing and corporate affairs officer. More than 200 million people have made $40 billion+ in contributions via the GoFundMe giving platform during the last 15 years. The skills GoFundMe has amassed at moving donors to donate excites Mitch Stein, head of strategy at Chariot, a fintech company focused on DAFs. Awareness of DAFs is the greatest limiting factor in the field's growth, explained Stein who has co-authored two annual studies of the DAF field. 'So now we have a company with a business model solely driven by giving, with phenomenal reach and a consumer marketing engine that's pushing a DAF product,' Stein wrote on Linkedin. 'It's brilliant! And it's helpful for every player in the DAF industry.' Chariot Head of Strategy Mitch Stein Those players include major financial firms like Vanguard, Schwab and Fidelity who each manage billions of dollars in DAF assets. 'My biggest gripe with the DAF market and major providers is that they don't market DAFs to their full client base, and so the utilization is typically below 1%,' wrote Stein. 'The vast majority of people with a brokerage account at these places don't even know what a DAF is! Trust me I ask just about everyone I meet.' Richardson said that initially GoFundMe's major marketing push for Giving Funds will be to its community of 200 million giving platform users via email, and social channels. While it will be free to set up a DAF and give from a DAF, donors can choose to leave an optional tip to help sustain the GoFundMe Giving Fund, the 501(c)(3) nonprofit that powers Giving Funds, she explained. If GoFundMe's Giving Funds initiative is successful it should significantly move the needle when it comes to establishing more DAFs. In addition, the company hopes that online tools it is releasing will move more people than the national DAF averages to actively find and support nonprofits with contributions. Making it easier for DAF holders to donate has been the bread and butter of Chariot since 2023. Traditionally if a consumer was inspired to give from their DAF, they could not simply go to the website of the nonprofit they wanted to support. They had to visit online the financial services company that manages their DAF and fill out forms to make the contribution. This form of 'contribution interruptus' derailed many a gift. To counter this, Chariot markets a DAFpay widget to nonprofits which can integrate it directly into their donations forms thus making it easier for donors to give spontaneously. Making such transactions easier is particularly important because – unlike conventional wisdom that assumed DAFs were only used by the ultrawealthy for major gifts -- 69% of all DAF gifts are less than $1,000, according to the recently released DAF Fundraising Report 2025.
Hindustan Times
23-06-2025
- Entertainment
- Hindustan Times
Tarot Horoscope for June 23, 2025: Something in your life wants to break free, Taurus
Aries Tarot Horoscope Today for June 23, 2025 Tarot Card: The Chariot The Chariot indicates the strength of your inner drive today, propelling you toward something of importance. Instead of chasing the answer, take that gawky pause—you may already be nearer than you think. With a little bit of reflection, you shall find something that effort cannot give. Let your will and intuition work together. That is the balancing act between activity and awareness. You stand a great distance away; now let clarity meet your courage. The thing that you search for might be dancing right in front of you. Tarot Horoscope Today: Zodiac Sign Predictions for June 23, 2025(Freepik) Lucky Tip: Take another look at those old journals or notes. The Tower brings sudden shifts, but not every storm is bad. Whatever you resist might be what you have to come to terms with. Something in your life wants to break free, not to cause harm, but to rebuild you. Just release what is no longer standing in the way of your truth. Do not hold on for comfort anymore. Today, embracing a change might open the door to a firmer foundation. It's okay to feel shaken; growth begins when the walls come tumbling down. Lucky Tip: Splash cold water on your face. Gemini Tarot Horoscope Today for June 23, 2025 Tarot Card: The Sun The Sun shines brightly on your path today. Get heavy thinking out of the window; choose to be joyful with no reason at all. To say that nothing is perfect may as well be an excuse; go ahead and smile, laugh, and just breathe freely through simple pleasures that recharge your spirit. Your energy may uplift someone close to you. Do not wait for a cosmic event to feel alive; great light is with you right here and now; let it shine from your heart. Lucky Tip: Dance or do any movement just for joy. Cancer Tarot Horoscope Today for June 23, 2025 Tarot Card: Eight of Cups The Eight of Cups encourages gentle detachment. Something may be calling for you to move on, but not in a rush. Do not rush what is supposed to unfold naturally. Let the unfolding process lead you, even if it is slow or unclear. Emotionally, you may need to give yourself the space to understand your own heart. This is not giving up, it is growing forward. Trust your inner voice, even if others do not understand it at the moment. Healing is linked with quiet decisions. Lucky Tip: Sip warm water before speaking. Leo Tarot Horoscope Today for June 23, 2025 Tarot Card: King of Swords The King of Swords asks you to be clear and honest today. Say what you mean, with kindness. Your words have weight; therefore, the choice of words should be one of truth and warmth. Someone might be looking to you for guidance, but how you present your words will be more important than the words themselves. Be calm and direct, but without harshness. You have wisdom to guide; let your heart travel with your voice. Kind-hearted honesty will get you further than pride. Lucky Tip: Keep your voice soft when disagreeing. Virgo Tarot Horoscope Today for June 23, 2025 Tarot Card: Six of Swords The day is quiet and transitional. The Six of Swords is showing you passing from the era of heaviness. May today be lighter than yesterday. A mental or emotional shift is occurring, and it is for your peace. Just keep going as slow as you can and allow the past to dissolve behind you. It might not be fast, but the path is leading to something better. Allow little comforts to ease your steps today. Lucky Tip: Listen to soft instrumental music. Libra Tarot Horoscope Today for June 23, 2025 Tarot Card: Ten of Wands There are some things you should not carry on your own. The Ten of Wands reminds you: you don't have to carry them. Ask for assistance or set something down for a while today. Your worth is not determined by what you can bear. Withhold some of your responsibilities for the moment, and enjoy that breather! Freeing your heart from its load is what's needed; it doesn't have to bear this burden forever. The road to healing is rest, not procrastination. Lucky Tip: Write down three tasks that you will allow yourself to release. Scorpio Tarot Horoscope Today for June 23, 2025 Tarot Card: Knight of Cups A warm gesture or words might come your way today. With the Knight of Cups, emotional connection and tenderness are at play. Allow yourself to accept the unexpected support offered by someone. Now is not the time to overthink or question anyone's motives. Just open your heart a little and see what it feels like. Your emotional world is being healed, and the kindness of others plays an integral part in that process. Sometimes saying "yes" to love changes everything. Lucky Tip: Receive compliments and don't brush them aside. Sagittarius Tarot Horoscope Today for June 23, 2025 Tarot Card: Justice Justice provides a moment of truth. First comes the clarity of courage; next comes courage standing in truth: sometimes a decision, sometimes a conversation, another time a single choice standing in the power of being. As soon as something in you reacts oddly, speak up or act upon it, even if the awkwardness pulls at your heart. The courage you exert today will carry deep peace with you tomorrow. Life is not asking for perfection; instead, it asks for honesty. Balance soon returns when you cease to evade the truth that already pulls execution from inside you. Lucky Tip: Stay hydrated before speaking. Capricorn Tarot Horoscope Today for June 23, 2025 Tarot Card: Queen of Pentacles The Queen of Pentacles advises you to remain grounded and trust your rhythm. Trust yourself with the next step; it need not be dramatic, only sincere. Your hard work is being observed, even if very few are willing to say it out loud. Give as much attention to your inner world as you do to your outer tasks. A heart at peace wins the race stronger than force. There is an inner prompting leading you silently toward something sturdy and meaningful. Follow it. Lucky Tip: Cook something by hand today. Aquarius Tarot Horoscope Today for June 23, 2025 Tarot Card: Four of Cups Four of Cups asks you to pause. Not every gesture needs a response. Silence is okay when words or energies bother you. Today calls for passive reflection instead of reaction. One moment of stillness would clarify what counts. Do not let them draw you into anything incompatible with your unity. Your stillness is not a weakness but a strength in motion. Let the noise slip away without becoming one with it. Lucky Tip: Turn off your notifications for one hour. Pisces Tarot Horoscope Today for June 23, 2025 Tarot Card: Five of Pentacles Five of Pentacles suggests stirrings in the heart or pocket, but really, take a closer look: the moment carries a lesson. Turn that challenge around- it's there to educate you. You are never alone, although it may feel like it. Help may be nearer than you think- just shift your focus from lack to lesson. Growth happens when you respond to the pull of light rather than to the weight of dark, even if you rise gently. Healing opens up the moment you stop hiding away from sadness. Lucky Tip: Say one nice thing about yourself. Neeraj Dhankher (Vedic Astrologer, Founder - Astro Zindagi) Email: info@ neeraj@ Url: Contact: Noida: +919910094779
National Observer
12-06-2025
- Automotive
- National Observer
Uber's new shuttles look suspiciously familiar to anyone who's taken a bus
This story was originally published by Grist and appears here as part of the Climate Desk collaboration Every few years, a Silicon Valley gig-economy company announces a 'disruptive' innovation that looks a whole lot like a bus. Uber rolled out Smart Routes a decade ago, followed a short time later by the Lyft Shuttle of its biggest competitor. Even Elon Musk gave it a try in 2018 with the 'urban loop system' that never quite materialized beyond the Vegas Strip. And does anyone remember Chariot? Now it's Uber's turn again. The ride-hailing company recently announced Route Share, in which shuttles will travel dozens of fixed routes, with fixed stops, picking up passengers and dropping them off at fixed times. Amid the inevitable jokes about Silicon Valley once again discovering buses are serious questions about what this will mean for struggling transit systems, air quality, and congestion. Uber promised the program, which rolled out in seven cities at the end of May, will bring 'more affordable, more predictable' transportation during peak commuting hours. 'Many of our users, they live in generally the same area, they work in generally the same area, and they commute at the same time,' Sachin Kansal, the company's chief product officer, said during the company's May 14 announcement. 'The concept of Route Share is not new,' he admitted — though he never used the word 'bus.' Instead, pictures of horse-drawn buggies, rickshaws, and pedicabs appeared onscreen. CEO Dara Khosrowshahi was a bit more forthcoming when he told The Verge the whole thing is 'to some extent inspired by the bus.' The goal, he said, 'is just to reduce prices to the consumer and then help with congestion and the environment.' But Kevin Shen, who studies this sort of thing at the Union of Concerned Scientists, questions whether Uber's 'next-gen bus' will do much for commuters or the climate. 'Everybody will say, 'Silicon Valley's reinventing the bus again,'' Shen said. 'But it's more like they're reinventing a worse bus.' Uber's new shuttles look suspiciously familiar to anyone who's taken a bus. #Uber #RouteShare Five years ago, the Union of Concerned Scientists released a report that found ride-share services emit 69 percent more planet-warming carbon dioxide and other pollutants than the trips they displace — largely because as many as 40 percent of the miles traveled by Uber and Lyft drivers are driven without a passenger, something called 'deadheading.' That climate disadvantage decreases with pooled services like UberX Share — but it's still not much greener than owning and driving a vehicle, the report noted, unless the car is electric. Beyond the iffy climate benefit lie broader concerns about what this means for the transit systems in New York, San Francisco, Chicago, Philadelphia, Dallas, Boston, and Baltimore — and the people who rely on them. 'Transit is a public service, so a transit agency's goal is to serve all of its customers, whether they're rich or poor, whether it's the maximum profit-inducing route or not,' Shen said. The entities that do all of this come with accountability mechanisms — boards, public meetings, vocal riders — to ensure they do what they're supposed to. 'Barely any of that is in place for Uber.' This, he said, is a pivot toward a public-transit model without public accountability. Compounding the threat, Philadelphia and Dallas have struggling transit systems at risk of defunding. The situation is so dire in Philly that it may cut service by nearly 45 percent on July 1 amid a chronic financial crisis. (That, as one Reddit user pointed out, would be good news for Uber.) Meanwhile, the federal government is cutting support for public services, including transit systems — many of which still haven't fully recovered from COVID-era budget crunches. Though ridership nationwide is up to 85 percent of pre-pandemic levels, Bloomberg News recently estimated that transit systems across the country face a $6 billion budget shortfall. So it's easy to see why companies like Uber see a business opportunity in public transit. Khosrowshahi insists Uber is 'in competition with personal car ownership,' not public transportation. 'Public transport is a teammate,' he told The Verge. But a study released last year by the University of California, Davis found that in three California cities, over half of all ride-hailing trips didn't replace personal cars, they replaced more sustainable modes of getting around, like walking, public transportation, and bicycling. And then there's the fact cities like New York grapple with chronic congestion and don't need more vehicles cluttering crowded streets. During Uber's big announcement, Kansal showed a video of one possible Route Share ride in the Big Apple. It covered about 3 miles from Midtown to Lower Manhattan, which would take about 30 minutes and cost $13. But here's the thing: The addresses are served by three different subway lines. It is possible to commute between those two points, avoid congestion, and arrive sooner, for $2.90. So, yes, Uber Route Share is cheaper than Uber's standard car service (which has gotten 7.2 percent pricier in the past year) — but Route Share is far from the most efficient or economical way to get around in the biggest markets it's launching in. 'If anything,' Shen said, 'it's reducing transit efficiency by gumming up those same routes with even more vehicles.'
Metro
23-05-2025
- Entertainment
- Metro
Ronnie reels as he learns of Debbie's ‘new man' in Coronation Street
After four years together, Coronation Street's Debbie Webster (Sue Devaney) and Ronnie Bailey (Vinta Morgan) seemed like one of the more solid couples on the street. They have had their ups and downs in the past but their partnership has generally been based on real affection, mutual respect and shared interests. Until very recently it seemed like they would always be together, and they were all set to get married. All of that changed when Debbie consulted a doctor after she'd been experiencing worrying symptoms. She had further tests and was devastated to learn that she has young-onset dementia. In the wake of this discovery she ended things with Ronnie, not wanting to be a burden on him as her disease progressed. Ronnie is currently unaware of the real reason for her dumping him, as she's determined to keep her diagnosis to herself. Currently only her brother Carl (Jonathan Howard) knows what's really going on, after he accidentally saw a letter from the hospital in her bag. Debbie has sworn him to secrecy. In her heart, though, Debbie knows she still loves Ronnie and a couple of times she's been about to either reconcile with him or at least explain. On one of those occasions she came into the bistro to look for him, determined to fix things, only to see him chatting to Leanne Battersby (Jane Danson) – not the first time Leanne has seemingly set her sights on Ronnie. Although this encounter was perfectly innocent, Debbie was crushed, she walked out without Ronnie even seeing her. More Trending Since then she's found out that there was nothing romantic going on between Ronnie and Leanne. But when Ronnie introduces her to a woman called Fiona, who he says is an 'old flame' of his, Debbie can't help but be jealous. Want to be the first to hear shocking EastEnders spoilers? Who's leaving Coronation Street? The latest gossip from Emmerdale? Join 10,000 soaps fans on Metro's WhatsApp Soaps community and get access to spoiler galleries, must-watch videos, and exclusive interviews. Simply click on this link, select 'Join Chat' and you're in! Don't forget to turn on notifications so you can see when we've just dropped the latest spoilers! So when her phone rings Debbie retaliates and pretends the call is from her new boyfriend. Poor Ronnie is gutted, thinking that Debbie has moved on and there's now absolutely no chance of them getting back together. To make things even worse, Carl tells Ronnie that Debbie wants nothing more to do with him. In fact, he's barred from the Chariot Square Hotel. Ronnie's furious with Carl and the two go face-to-face, apparently ready for a fight. View More » Sadly it looks like there's no way back for Ronnie and Debbie right now. MORE: All 29 Coronation Street pictures for next week as major star returns MORE: Coronation Street's Ronnie thrown by unexpected death news as it changes everything MORE: Coronation Street's Debbie Webster faces fresh agony as she receives another blow
Metro
17-05-2025
- Business
- Metro
'Uber has innovated so hard… they invented a bus'
Uber is launching a new service in the US called Route Share and the internet isn't impressed. Several social media posters have mocked the offering, saying the company have basically 'invented the bus'. Unveiling Route Share in a blog post, Uber said the service would allow riders to share a car over a predetermined route with with designated pickup points. Speaking at a conference, Uber's head of product Sachin Kansal: 'We ask the riders to walk a few blocks to a predetermined point at a predetermined time to participate in a predetermined route which they will share with a couple of other riders. We call that Route Share.' It will cost up to 50% less than UberX the firm said on its blog, with savings made if you buy subscriptions or prepaid passes. The user goes into their Uber app and puts in where they will be going from and their desired destination and the app will show you nearby routes with pickups available every 20 minutes. The driver will then wait for up to two minutes before the cost rises. Similar to UberX Share, you could be riding with up to two others. One TikTok user, 'Sharkveyno', shared a video of Kansal explaining the concept, before telling viewers: 'Uber made buses. Our brightest, most innovative minds have recreated buses. 'They'll really do anything than have affordable transportation in the United States.' Uber aren't actually the first to test this type of idea. In 2017 Lyft, another US ride hailing service, piloted Shuttle, which worked in a similar fashion. It was never rolled out fully, however. There was also Ford's Chariot, which ran in nine US cities as well as London and offered commuter shuttle services. After launching in 2014, it shut five years later in 2019. Citymapper's Smartbus, which was later known as SmartRide, then simply Ride, didn't fare much better. It launched in 2018 with a fleet of eight-seater buses that picked up and dropped off passengers at fixed points in central London and took specific predetermined routes. It lasted little more than a year. More Trending Uber do actually run a more regular type of bus service in the US and India, which is called Uber Shuttle. It uses normal size buses, which take a predetermined route at set times and users book their seat through the app. Route Share will be available in New York, San Francisco, Chicago, Philadelphia, Dallas, Boston, and Baltimore, with more cities to come, according to Uber. It's not clear if the firm plans to bring the service to the UK. Get in touch with our news team by emailing us at webnews@ For more stories like this, check our news page. MORE: 'Armed and dangerous' prisoners escape through hole behind toilet while guard was on break MORE: The UK's 'much needed' only floating train line reopens after eight months MORE: The £14,000,000,000 plan to fix the north's 'broken' rail network
