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Haven’t Received Your W-2 Tax Form Yet? Here’s What to Do

March 20, 2025 Ogghy Filed Under: CNET How To, SUCCESS

W-2 forms should have arrived in mailboxes and inboxes by Jan. 31. Here’s what to do if you haven’t gotten yours yet.

Harvard Is the Latest Elite College to Offer Free Degrees to More Middle-Income Students

March 20, 2025 Ogghy Filed Under: Money.com, SUCCESS

Harvard University is joining a cadre of the nation’s best colleges that are making higher education free for more families with limited means — including those with upper-middle-class incomes.

The university said Monday that it is expanding its financial aid program to cover the full cost of undergraduate degrees, including housing, health care and other expenses, for families who make $100,000 or less. For families earning up to $200,000, Harvard is waiving tuition.

“Putting Harvard within financial reach for more individuals widens the array of backgrounds, experiences, and perspectives that all of our students encounter,” Harvard President Alan Garber said in the announcement. The university previously offered a free ride to students from families earning up to $85,000.

The college says that the expansion extends financial aid to approximately 86% of all U.S. families, making it one of the most generous in the country — though the students will have to actually get into Harvard, which has an acceptance rate below 4%. About a quarter of the student body comes from families earning under $100,000, according to the university. The changes go into effect for the 2025-2026 academic year, which starts in September.

Harvard is the latest major college to either expand or launch tuition-free programs for low- and middle-income students. At the end of 2024, the Massachusetts Institute of Technology (MIT), the University of Texas, Carnegie Mellon University, the University of Pennsylvania, the University of Massachusetts and the University of Michigan all unveiled similar initiatives that are slated for the upcoming academic year.

Over the past two decades, the annual cost of college has ballooned over 113%, according to data from the Department of Education. While students rarely — if ever — pay the actual sticker price of college, they’re still graduating with average debt loads around $30,000.

As the financial burden of obtaining a degree grows heavier, more students are beginning to question whether college is even worth it.

Free tuition programs like the ones Harvard, MIT and others offer are among the strategies universities are using to reverse those existential trends in higher education. But they also serve another purpose: In the wake of race-based affirmative action being struck down by the U.S. Supreme Court in June 2023, they act as a race-neutral method to boost socioeconomic diversity on campus, as Garber alluded to in the announcement.

More colleges go tuition-free for families with financial need

Here’s a look at how these new or expanded tuition-free programs work.

Harvard University

As mentioned above, undergraduate degrees at Harvard will be tuition-free for families earning up to $200,000. The school will cover all college-related expenses for undergrads from families earning $100,000 or less. For students at this income level, Harvard is also giving $2,000 “start-up grants” during students’ first year to help them cover any other miscellaneous expenses. If they make it to their junior year, they get an additional $2,000 grant.

The changes go into effect for the fall semester starting in September. The new policy is a major expansion from Harvard’s current one, which since 2023 has been offering financial aid to families earning up to $150,000.

Brandeis University

Located in the suburbs of Boston, Brandeis University is another Massachusetts college launching a financial aid program aimed at offering a tuition-free education.

For the fall 2025 term, the small research institute will begin covering the full cost of tuition — through grants and scholarships — for incoming undergraduates from families earning less than

Carnegie Mellon University

Pittsburgh-based Carnegie Mellon University is implementing a brand new tuition-free financial aid program for students and families earning less than $75,000.

Set to begin the 2025-26 academic year, the CMU Pathway program includes additional aid to families who earn up to $100,000. The university says that families below that threshold will not need to take out student loans to cover the cost of attendance.

$75,000 and 50% of tuition for families earning up to $200,000.

Massachusetts Institute of Technology

Starting in the fall, undergraduates with family income below $200,000 can attend MIT tuition-free, up from the current threshold of $140,000. MIT says that 80% of U.S. households meet this new income limit.

And for families that earn under $100,000, MIT says they will “pay nothing at all” for the entire cost of attendance, including tuition, books, personal expenses and room and board. The university currently provides this benefit for families earning $75,000 or less. Already, MIT says 35% of undergrads don’t pay for tuition.

University of Massachusetts System

UMass says it already covers the cost of tuition for 92% of students from “high-need” Massachusetts families, defined as having an adjusted gross income of $75,000 or less.

It’s looking to close the gap for the remaining 8%. In addition to meeting the income threshold of $75,000, students eligible for the tuition-free program must be Massachusetts residents who are enrolled full-time in an on-campus undergraduate degree program.

The changes, which roll out this fall, apply to the entire UMass system, including the Amherst, Boston, Dartmouth and Lowell campuses.

University of Michigan

The University of Michigan announced in December that it’d be expanding its “Go Blue” program to offer a tuition-free education to more in-state students.

Starting this fall, the free-tuition guarantee will be offered to incoming and returning students from families earning $125,000 or less. The expansion means another 2,200 current students will be covered under the Go Blue program across the Ann Arbor, Dearborn and Flint campuses, the university said.

University of Pennsylvania

With its Quaker Commitment program announced last fall, Penn will raise the annual income threshold to qualify for free tuition from $140,000 to $200,000. The university also plans to stop considering a family’s primary home equity as an asset factored into financial aid calculations. Students from families with incomes of $75,000 or less and typical assets can receive free tuition, fees, housing and meals under a previous program.

“Penn is reaffirming its commitment to the core principle that a world-class education can be affordable to students from all backgrounds, not just those from lower-income backgrounds or those who are able to pay full price,” Mark Dingfield, vice president for finance and treasurer, said in a statement last year announcing the change.

University of Texas System

At all of its nine academic institutions, the University of Texas is waiving tuition and mandatory fees for families who have an adjusted gross income of $100,000 or less beginning in the fall 2025 semester.

For the past several years, UT has run a patchwork of similar financial aid programs with varying income thresholds across its massive university system. University officials said in November that $100,000 will become the new baseline for all campuses.

More from Money:

See Which 20 Colleges Give You the Biggest Bang for Your Buck

What Will Happen to Financial Aid if Trump Closes the Education Department?

How to Pay Off Student Loans Fast

A Sophisticated Approach to Moving Into Your Dream Estate

March 19, 2025 Ogghy Filed Under: Luxury Lifestyle

Moving into a luxury estate is more than just a change of address — it’s a transition into a refined lifestyle. However, the process of relocating high-end possessions, securing a new home and ensuring a seamless move requires careful planning.

From handling fine art collections to customising interiors, an organised and strategic approach can make the transition effortless and stress-free. In this guide, LUXUO explores how to move into your dream estate with sophistication and ease.

Planning for a Seamless Move

The key to a smooth transition is meticulous planning. Luxury estates often include bespoke furnishings, delicate antiques and custom interiors that require special attention. Working with specialised moving professionals who understand the nuances of high-end relocations can help ensure that every item is transported safely and efficiently. Many homeowners moving long distances opt for cross country moving companies to manage the logistics of their relocation. Consider the following steps for a seamless move:

Hire Experts in High-Value Transport – Select movers experienced in handling fine art, vintage furniture, and designer pieces.

Schedule Your Move Strategically – Plan the relocation during optimal weather conditions and off-peak moving seasons.

Conduct a Home Inventory – Document all valuables and coordinate with insurers to ensure adequate coverage during the move.

Ensuring the Security of Your Assets

Relocating to a luxury estate requires extra security measures to protect valuable belongings. High-net-worth individuals often require discreet and private moving services to maintain confidentiality. Whether using local specialists or cross-country moving services for long-distance relocations, security should always be a priority. Consider these security measures:

Secure Private Transportation – Use GPS-monitored vehicles and vetted moving personnel for added security.

Implement Smart Home Technology – Upgrade your new estate with advanced security systems before moving in.

Work with Trusted Professionals – Ensure all service providers, from movers to interior designers, are reputable and experienced in high-end projects.

Personalising Your New Space

Once you arrive at your new estate, personalising the space is the next step to creating a home that reflects your taste and lifestyle. Luxury home transitions often include renovations, interior design updates and landscaping improvements. Work with experts in estate management to:

Curate Your Interiors Thoughtfully – Blend existing furnishings with new acquisitions to maintain aesthetic harmony.

Enhance Your Outdoor Spaces – Design gardens, pools, and terraces to complement your estate’s architecture.

Incorporate Smart Home Features – Automate lighting, climate control, and security for a seamless living experience.

Settling in with Ease

A well-planned move doesn’t end on moving day. Settling into your new estate should be a refined and effortless experience. Hiring a personal concierge service can help manage household tasks, from unpacking to organising events. Additionally, joining elite social clubs or engaging with the local community can help integrate into your new surroundings with sophistication.

Conclusion

Moving into a luxury estate is a transformative experience that requires careful planning and a sophisticated approach. By working with trusted professionals, securing your assets, and customizing your new home, you can transition effortlessly into an elevated lifestyle. With attention to detail and the right support, your move can be as seamless and refined as the home you are stepping into.

For more on the latest in luxury property reads, click here.

The post A Sophisticated Approach to Moving Into Your Dream Estate appeared first on LUXUO.

Narcolepsy vs. Chronic Fatigue Syndrome: Symptoms, Differences and Treatment

March 19, 2025 Ogghy Filed Under: CNET How To, SUCCESS

People often confuse narcolepsy and chronic fatigue syndrome, but these are the differences you should pay attention to.

7 Strategic Loan Options to Fuel Your Business Growth in 2025

March 19, 2025 Ogghy Filed Under: Addicted2Success, SUCCESS

Many small businesses struggle to pay back COVID-19 loans to the government. An average startup has over $663k as its loan amount. Combining these two seemingly unrelated statistics explains why more small enterprises are looking into alternative loan types today.

Entrepreneurs often need a quick cash injection to bridge the gap between a good idea and its successful execution. Whether they’re scaling business operations or seizing a new opportunity, they have to look into various loan options. Most importantly, they must understand when to use a particular type of loan. It helps them find the best funding source for their enterprises.

This blog will go over seven different loan types and then give you a list of important factors to keep in mind when applying for a business loan. So, let’s start learning, shall we?

Term Loans

Suppose you need a lump sum of money immediately to acquire another business, meet sudden vendor expenses, pay back owed taxes, or something else. Term loans will give you this amount, and you’ll then repay this loan in installments. These loans are perfect for startups that are:

Opening a new location

Launching a product line

Marketing a new line of products

Compared to other loan types, this one has high borrowing limits. Also, repayment schedules are predictable so that you can simplify your financial planning. However, SBA-approved lenders will need a very strong credit history from your business to approve term loans in the first place.

If you’re looking for debt refinancing, then a credit card loan is a much better option. It will allow you to consolidate high-interest credit card debts into a single loan with lower rates via:

  • Lower, fixed rates
  • Zero origination fees
  • A simple monthly payment
  • Same-day fund transfers (up to $100k)

Lines of Credit

The second option is to open a business line of credit. You will get revolving access to monetary funds up to a pre-approved limit. But here’s the catch: Interest is only paid on the amount drawn from these funds. So, you can easily cover your short-term expenses with these funds. Payroll or inventory during seasonal ups & downs! A line of credit also funds time-sensitive deals.

Imagine you need money for bulk supply purchases or don’t know exactly how much money you will require to keep your business afloat during crises like COVID. That’s when lines of credit will come to your rescue! You get the flexibility to borrow as per your needs without reapplying.

Lucky for you, SBA’s new lines of credit offer up to $5 million in small business funding. Usually, seasonal businesses like hospitality and retail use this loan type in the United States.

SBA Loans

Talking about SBA loans, the US Small Business Administration guarantees a portion of them. In FY2023, over 1,200 small businesses throughout America received SBA loans, and this loan type is everyone’s favorite since it offers very low interest rates (10.25% of $50k) and longer terms of repayment (up to 25 years). Here’s when you can apply for SBA loans:

  • Launching a new business in the United States
  • Expanding business operations like hiring more staff
  • Investing in a new kind of tech for your enterprise
  • Buying office supplies or purchasing real estate (through SBA 504 loans)

Just keep in mind since SBA loans are like low-hanging fruits, everyone wants to apply. So, the application process is quite time-consuming and needs thorough documentation.

Equipment Financing

Let’s say you want to buy new office equipment. It can be anything ranging from office supplies to heavy-duty machines. This loan type will let you borrow money for these purchases, and your equipment (the very item you want to buy with this loaned wealth) will be used as collateral. So, this loan type’s benefits include:

  • You’ll preserve your cash flow 
  • You acquire assets that are essential for business
  • You may even get tax benefits via depreciation deductions
  • You can get funds transferred to your accounts much faster 

Many businesses use equipment financing loans to upgrade business tools so their startup will have a competitive advantage. Also, these machinery purchases will increase your capacity to produce more goods. Also, you can reduce downtime by getting your hands on new equipment.

Invoice Financing

Do you want to borrow against outstanding invoices? If you do, then invoice financing is just the loan type you need! You can get cash even though you have awaiting customer payments.

Now, this loan type helps you bridge cash flow gaps caused by long payment cycles (when you fail in your recollection endeavors) and manage expenses during recession periods (by using unpaid & yet-to-be-realized invoices as leverage). Invest in new projects without waiting for receivables!

Microloans

Data from 2022 says that 60% of American startups don’t even have $50,000 in debt. However, it is also true that 90% of small businesses fail! That’s why we have microloans designed to assist nonprofits and community-based ventures. If your startup finds itself in a financial pit, then you can apply for a microloan, especially when your business:

  • Can’t cover initial startup costs like office supplies or marketing campaigns
  • Doesn’t have enough cash to manage day-to-day expenses during the early stages
  • Needs support as a minority-owned business or female-run enterprise

Even with your limited credit history of collateral, you can get these loans right away. Also, this loan type offers you very low interest rates.

Commercial Real Estate Loans

Commercial loans are for business owners who want to invest in commercial real estate, such as office spaces or warehouses. You apply for these loans when you wish to acquire real estate instead of leasing land long-term. This way, you can build equity in your business property over time and also get fixed-rate options for stability against market fluctuations.

How to Choose the Right Loan Type?

Here’s how you can choose the right loan type for your business:

Match the loan type with your specific needs (e.g., working capital vs. long-term growth).

Assess your cash flow projections honestly before committing.

Understand what lenders look for, credit score, revenue history, and collateral, and prepare accordingly.

Some loans (e.g., MCAs) offer rapid disbursement but at higher costs; others (e.g., SBA loans) require patience but deliver better terms.

Keep in mind that loans are not just a financial lifeline; they’re strategic tools that can propel your business forward when used wisely.

Learn the nuances of each loan type and align them with your entrepreneurial goals. This way, you can unlock new opportunities while maintaining financial health.

Whether you’re managing cash flow with a line of credit, scaling operations through term loans, or investing in assets via equipment financing, thoughtful borrowing can be the catalyst that transforms challenges into success stories.

The post 7 Strategic Loan Options to Fuel Your Business Growth in 2025 appeared first on Addicted 2 Success.

Are Robot Lawn Mowers Worth the Money Yet? Here’s What You Need to Know

March 19, 2025 Ogghy Filed Under: CNET How To, SUCCESS

Is it finally time to get a robot to mow your lawn, or are these mowers still an overpriced luxury? CNET dives into the pros and cons of trusting your lawn to a robot.

Four Noise-Canceling Habits for Leaders — From the Vault

March 19, 2025 Ogghy Filed Under: Andy Stanley, SUCCESS

Four Noise-Canceling Habits for Leaders — From the Vault

Great leaders turn down the noise around them low enough and long enough to be ruthlessly curious about their emotions. In this episode Clay Scroggins and I discuss four habits you can put in place to reduce distractions and become a better leader.

Andy Stanley Leadership Podcast: March 2025 | Four Noise-Canceling Habits for Leaders — From The Vault

The Andy Stanley Leadership Podcast is one of Forbes’ 6 Leadership Podcasts To Listen To In 2024 and one of the Best Leadership Podcasts To Stay in the Know for CEOs, according to Industry Leader Magazine.
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The Changes I’m Making to Stop Wasting My Limited Time

March 19, 2025 Ogghy Filed Under: SUCCESS, Tiny Buddha

“Contentment has more to do with a heart of joy as life unfolds than it ever will with a life filled with stuff.” ~Kate Summers

Recently, an older friend who was no longer able to attend to life without assistance was placed in a senior care facility. From my observance, she seemed content, and her relatives confirmed that when they visit, they find her awake and alert, propped up in bed or sitting in a chair, peacefully gazing out her window.

One of my immediate thoughts when reflecting on my visit was, we should all be so lucky to enter our final years in a mind space of inner peace and contentment.

The hope to be content in the final years of life is not a new concept, but the idea of a “bucket list” and the quest to achieve it is. The term bucket list was introduced in 1999 and solidified into pop culture with the subsequent release of a movie.

For those who are unfamiliar with the expression, a bucket list consists of a catalog of experiences and adventures that someone wants to have before they kick the bucket, meaning die. The idea is that if someone checks off all the items on their bucket list, their final stage of life will be bearable because they will be satisfied with how they spent their time.

The visit to see my friend put the time I have remaining into perspective. As I approach sixty years old, the truth that in twenty-five years I will be eighty-five is inescapable. The fact that the twenty-five years between thirty-five and sixty had gone by in the relative blink of an eye caused me to pause and think.

What did I want to do and experience before my final stage was upon me?

My mind went immediately to my hobbies and interests, and although I could think of many goals to strive for, nothing seemed important or compelling enough to be considered for my bucket list.

As examples, I enjoy traveling and have a desire to see all the magnificent natural wonders across the globe and walk in the footsteps of ancient cultures, but I do not see myself in my final years upset because I never made it to Victoria Falls or knelt before the Moai of Easter Island. And I thrive on learning, but earning a master’s degree or PhD will not bring me contentment on my deathbed.

And what about my friend? I don’t recall her speaking of a list of experiences she desired to have or tangible targets that she strove to hit before her life was over. Yet, as I witnessed, she had entered her final phase of life with an air of inner peace and contentment.

Throughout our friendship, I observed my friend actively focusing on seeing the glass as half full and consciously concentrating her focus on the bright side of events. She did not cultivate drama within herself, and consequently, she repelled it when others brought it around. And she fostered love for herself and others.

When the realities of individual agendas and manufactured circumstances triggered a need to respond in a heavy-handed way, she delivered the reprimand swiftly and, as best as she could, without the emotion of hate and thoughts of judgement.

And the rare time when she fell completely short of her behavioral standards with her thoughts and emotions sinking deep into a dark muck, I observed her climb out, find her light, and move on. She never berated herself for what she referred to as a “little dip.”

Many times, I asked her how she could rise above the fray of office politics, for example, or shift her focus to what was hopeful and good in an otherwise dreary situation. Her response was unfailingly along the lines of “Why waste time dwelling on unpleasantness?”

Her words came back to me as I pondered what I wanted to experience and accomplish in the next twenty-five years. How could I spend my time in a way that would leave me content in the final stage of my life?

Having already run through my goals and desired escapades and determined they were not the answer to what had become a nagging question for me, I reversed the query and asked, “In what ways is my time wasted?”

My answer came to me the next day. I had just hung up the phone after completing a conversation with a member of my greater social network. Having too little in common to consider her a friend, I find our interactions to be tedious, and we rarely see eye-to-eye.

She views herself as the victim in all situations and thrives on stress and drama. In this conversation, she expressed that she was feeling left out because a group dinner was scheduled for a night on which she was not available.

I spent twenty minutes attempting to reassure her the chosen date was not intended to exclude her, that she was a valued member of the group, and similar proclamations. All of them landing on the unfertile soil of her negative self-image. Nothing short of changing the date could convince her the decision was not personal.

As I terminated the call, I heard myself say, “Well, that was a waste of time.”

A few days later, I found myself involved in an interaction with a co-worker with whom exchanges typically left me feeling shaken and upset. The pace and tone of that afternoon’s conversation were especially triggering. Once at home, even with the co-worker nowhere near me and the interaction several hours in the past, simply thinking about what had transpired caused my body’s fight-or-flight response system to kick in.

With limbs ready to spring into action and breath quick and shallow, I hung suspended in a state of physical limbo, waiting to fight a battle perceived and conceived in my head. It took me close to an hour to calm myself down, and afterward the sense of time wasted was palpable.

At that moment, I committed to not wasting time feeding the unpleasantness created by others and to take responsibility for ways in which I cultivated upset within myself.

After a bit of reflection, I realized that I disrupted my peace of mind and contentment by:

  • Taking things personally
  • Needing to be right
  • Overreacting by magnifying small issues into major problems
  • Continuing unproductive conversations in my head with others long after they have concluded in real time

While commitment is the initial action needed for instigating change, practice is the many small steps taken to solidify the habit.

Over time, I developed a practice that involved morning meditation, journaling, and body awareness.

  • Meditation cultivates a calm mindset, allowing for heightened self-awareness and control of my thoughts and emotions.
  • Journaling gives tangibility to my unpleasant thoughts. By making them visible, I am able to challenge their validity and shift them towards ones that uplift me.
  • Body awareness gives way to enhanced intuition. By paying attention to sensations in my gut and noticing the pace of my heart and breath, I can quickly sense when I am shifting from a responsive, cooperative mode to a reactive, fight/flight approach to a person or situation.

If you are interested in cultivating a mindset that brings you inner peace and contentment, below are a few tips to get started.

1. Find a meditation style that works for you.

My practice utilizes mindfulness, focused, and loving-kindness styles of meditation. Mindfulness meditation allows greater access to my thoughts, focused meditation sharpens my ability to keep my brain from wandering, and loving-kindness meditation cultivates compassion and patience for my ego struggles and those of others.

Here is a list of the nine most common forms of meditation. A definition of each can be found here.

  • Mindfulness meditation
  • Spiritual meditation
  • Focused meditation
  • Movement meditation
  • Mantra meditation
  • Transcendental meditation
  • Progressive relaxation
  • Loving-kindness meditation
  • Visualization meditation

2. Write down thoughts and feelings that you struggle with.

My journal is a loose compilation of thoughts and the emotional responses they trigger. By writing them down, I am able to distance myself from my thoughts and see them from an objective point of view. I am then able to explore alternative thoughts and assess their capacity for cultivating pleasant feelings.

According to this article, the benefits of journaling include:

  • Stress reduction
  • Increased sense of well-being
  • Distance from negative thoughts
  • Avenue for processing emotions
  • Space to figure out your next step
  • Opportunity for self-discovery

3. Get in touch with your body.

Whenever I feel my shoulders creeping toward my ears, my breath becoming shallow, or my digestion being disrupted, I take it as a signal to check in with my brain. A quick scan reveals thoughts and conversations happening in the background that might otherwise have gone unnoticed until they transitioned into action.

I achieve and maintain my mind/body connection through a combination of contemplative running and intentional stretching. Both of these allow me to focus on my body and become aware of areas where I am holding tension.

While I chose running and stretching, there are many other methods, such as:

  • Yoga
  • Tai Chi
  • Qi Gong
  • Solo Dance
  • Intentional cleaning

Above are the ways that I chose to strengthen my commitment to not wasting time wrapped up in someone else’s drama or creating unnecessary turmoil in myself.

I am far from perfect in this practice. I still catch myself rallying against what I view as someone’s agenda or reacting to what I consider a personal affront, but I am able to quickly identify the thoughts, feelings, and behaviors in real-time and mitigate the damage to my sense of well-being.

When it comes down to it, the only goal for my life is to cultivate inner peace and contentment. And along the way, connect with and encourage those who, like me, are actively seeking to heal, grow, and live in a space of positivity and love.

See more posts

About Lynn Crocker

Lynn is a writer and coach who is passionate about empowering others with information on how to drive their brains and create a more purposeful, joyful, and fulfilling life for themselves, one thought at a time. Lynn is an avid reader, and besides writing, she expends her creative energies on gardening, sewing, and doing macramé. Learn more about Lynn lynncrockercoaching.com.

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JPMorgan Says Tesla Is About To Have A Bad Time

March 19, 2025 Ogghy Filed Under: Luxury Lifestyle

Tesla Model Y Top
InsideEVs

Tesla stock has recovered about 7 percent since its big drop earlier this week. It is still nearly down 50 percent since its all-time high on 17 December. JPMorgan Chase & Co. predicts that Tesla will deliver about 355,000 units, down 20 percent of its original prediction of 444,000. The firm also thinks that Tesla stock will eventually drop to USD 120 per share. 

I think anyone involved in the auto industry in some way is kind of burnt out with the constant changes that are now the hallmark of the second Trump administration. A lot of these changes seem to be at the behest of Elon Musk himself, either directly through President Donald Trump or via his DOGE para-government apparatus.

These changes aren’t exactly popular amongst the base that would normally purchase Tesla vehicles, and thus, it seems like it is once again time for Musk and Tesla to pay the piper. This week JPMorgan issued a not-so-good prediction for the brand: this will be the worst result for deliveries that Tesla has seen in three years. 

Specifically, JPMorgan cut Tesla’s delivery forecast down by 20 percent to 355,000 units, down from the initial analyst projection of 444,000. The firm’s initial projection was already a little higher than the 430,000 units that most everyone else in this arena had already agreed upon. It also thinks that Tesla’s stock still has a long way to go, with the potential to hit USD 120 per share or about half of what it is now. 

There are several reasons for this. For starters, the Trump administration’s wanton bludgeoning of the U.S. market via tariffs has only served to hurt car companies, including Tesla. It’s anyone’s guess what tariffs car companies and all associated suppliers will eventually be subject to. Today, it could be nothing. Or, if Canada, Mexico, the European Union or China somehow slight Trump in any way, then the tariffs are on. That’s no good for any functional company that wants to plan for the future. 

Donald Trump issuing executive orders to temporarily suspend tariffs on trade with Canada and Mexico.

Next, Elon Musk’s right-wing exploits on X (née Twitter) and in real-life politics are now completely unignorable. His words and speech have moved past simple inflammatory tweets on social media, and well into the realm of influencing global politics. His influence is commonly perceived as dangerous by any sort of minority or non-right-wing person. He straight up called Canada “not a real country,” feeding into the growing not-a-call-but-actually-a-call for the annexation of America’s neighbor to the north. That’s only emboldened Canadians (and others across the globe) to boycott the brand.

Moreover, sales have started to collapse in much of Europe. The Chinese market’s sales are still somewhat strong, but that won’t be enough to keep that momentum. Also, plenty of Chinese brands have been encroaching on Tesla’s market share, something even the New York Times covered this week.

BYD Sealion 7
Photo by: BYD

Also, the cars are just kind of old. The Model 3 and Model Y may have been updated, the latter much more recently, but they’re essentially not all that much different than the cars they replaced. Add in Musk’s behavior, inflation and high interest rates and Tesla has the perfect storm for reduced sales.

Tesla’s woes have come out right in the middle of Q1, so we probably won’t know for sure what the damage is until Q2 numbers are released in a few weeks. Either way, it’s not looking so good for Tesla. JPMorgan says that Tesla’s fall currently “has no equal” in the automotive market. 

“We struggle to think of anything analogous in the history of the automotive industry, in which a brand has lost so much value so quickly,” the firm said. 

Contact the author: Kevin.Williams@InsideEVs.com

This opinion piece was written by Kevin Williams and was first seen on MSN.com

The post JPMorgan Says Tesla Is About To Have A Bad Time appeared first on LUXUO.

Blancpain’s Fifty Fathoms Tech BOC IV: A Dive Watch That Gives Back

March 19, 2025 Ogghy Filed Under: Luxury Lifestyle

Blancpain’s commitment to ocean conservation puts its money where its dive watch is. Enter the Fifty Fathoms Tech BOC IV, a 100-piece limited edition that plays an active role in marine preservation; with every watch sold, EUR 1,000 goes straight to the newly established Blancpain x Sulubaaï Marine Research Centre to fuel discoveries and innovations into ocean restoration efforts.

The watch brand has been at this game for a long time. Since the Fifty Fathoms debuted in 1953 as the first modern dive watch, Blancpain has been entrenched in ocean advocacy. The Blancpain Ocean Commitment (BOC) initiative is one such endeavour into marine conservation for over 20 years and now, the Fifty Fathoms Tech BOC IV takes that mission even further.

Taking cues from the Fifty Fathoms 70th Anniversary Act 2 Tech Gombessa, the Tech BOC IV comes in a 45mm Grade 23 titanium case that’s robust yet surprisingly wearable. At 14.1mm thick, it has enough presence without feeling like an anchor on your wrist. Engineered for professional diving but stylish enough for everyday wear, the watch has a unidirectional bezel with a domed black ceramic insert and an “absolute black” dial that it absorbs 97 per cent of light and the luminescent block appliqués to ensure legibility in the murkiest depths.

Powered by Blancpain’s trusty Calibre 1315A, there’s a five-day power reserve and an anti-magnetic silicon balance spring. Flip it over and you’ll see the 18-carat gold oscillating weight through the sapphire caseback, stamped with the blue BOC logo.

Proceeds from the BOC IV go straight to the Blancpain x Sulubaaï Marine Research Centre, an extension of the Sea Academy programme. The programme, which has been working since 2020, was set up to protect the marine ecosystems in the Philippines. Located in Sandoval, near Shark Fin Bay, the centre is positioned to enhance conservation research, restoration, and education efforts in the region.

Each watch comes in a rugged Pelicase box, bundled with a numbered donation certificate and an exclusive print by award-winning underwater photographer Laurent Ballesta. His image, taken around Pangatalan Island, captures a prehistoric horseshoe crab — a creature whose existence is threatened (and is also the logo for the Sulubaaï Marine Research Centre), but now finds sanctuary in the protected marine areas that Blancpain supports.

This article was first seen on Esquire Singapore.

For more on the latest in luxury watch reads from WOW, click here.

The post Blancpain’s Fifty Fathoms Tech BOC IV: A Dive Watch That Gives Back appeared first on LUXUO.

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