October 18, 2024

According to the Biden Administration, 4.8 million borrowers, including 1 million in public service, have had student debt forgiven. That brings the total amount of debt forgiven to $175 billion over the last four years.

Nurses, social workers, teachers, first responders, service members, and other public servants qualify for the program. Previously, only 7,000 of them had received debt forgiveness.

“Think about it, 7,000 to 1 million. That’s an increase of more than 14,000% in less than four years. Let me say that again, we grew the number of public servants earning forgiveness by 14,000%,” said Education Secretary Miguel Cardona.

In Today’s Issue of the DailyZoo:

  • The Million-Dollar Idea.

  • Walgreens To Close Locations.

  • Communicating Through Dreams.

  • Alcohol And Your Gut.

Let’s get into it.

INDUSTRY INSIGHTS

Finding Your Million-Dollar Idea

The entrepreneur’s goal and dream: their million-dollar idea. 

But the question is, what is it? Furthermore, how do you create the idea you have in your mind? Many aspiring entrepreneurs get stuck at these points, and that is because they’re thinking about it all wrong. Instead of thinking about the product or the idea, what you need to focus on is finding the million-dollar problem that you can solve!

99.99% of successful products don’t start with an idea, they begin with a problem.

The product is an unproven idea that you hope people will buy, but you can never know if it will be a hit. However, if you find a problem that is affecting many people or something specific but crucial, then you know that the demand is already there for a solution.

Steve Jobs didn’t just invent the iPod because he thought it was cool, he came to a realization there was a market. People wanted a better way to listen to their music on the go instead of the bulky Discmans and CD players.

And so Apple solved the problem, a convenient product that didn’t need the added steps of bringing all your CDs along with you wherever you went.

For marketers, problem-solving that will get attention is creating things that make something you have to do better, easier, or faster with the ultimate goal of making more money. Finding your space to make something that people are struggling with, or lazy to deal with is where you’ll find your million-dollar idea. 

Everything after that is just the sizzle.

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WEALTH, MARKETS & MONEY

Walgreens To Close Stores Amid Changing Consumer Habits

This week, Walgreens has said that it is planning to close 1,200 stores over the next three years. This is a step as it looks to downsize its footprint due to changing consumer habits that have affected sales. 500 of those closings are planned to happen over the next 12 months, and it estimates that a quarter of its 8,700 stores in the U.S. are not profitable.

The announcement of the closures came as a part of Walgreens’ fiscal fourth-quarter and full-year earnings, which exceeded the expectations of those on Wall Street. During the announcement, CEO Tim Wentworth said that the company knows it is in the process of a “turnaround” that would “take time”.

“We are confident it will yield significant financial and consumer benefits over the long term,” Wentworth said.

This news has not come without warning, in June Walgreens had said it planned to close a “significant” number of stores by 2027, focusing on those underperforming. Both Walgreens and its rival CVS have been facing a difficult operating environment in a tough consumer environment. Back in 2021, CVS stated it would be closing 900 of its stores (about 10% of its U.S. locations) from 2022 to 2024.

Part of the squeeze comes from the changes in the pharmacy benefit managers (PBMs), third-party companies that manage prescription drug benefits for health insurance companies. PBMs have been accused of inflating drug costs and have been targeted with multiple legislative and regulatory reforms and actions. The resulting changes have been a greater number of “pharmacy deserts” across the U.S.

TECH

Communicating In Dreams With Brain Waves

Every day it feels like our world gets a little more science fiction.

Scientists in California have claimed that two people communicated in their dreams by using brainwaves. The company, REMspace, has successfully established two-way communication between two people while they were both asleep and lucid dreaming.

Supposedly, the experiment took place on September 24th. Before sleeping, both participants were connected to specialized equipment to track their brain activity and sleep patterns, and put in earbuds to transmit random words in a specially created language called ”Remmyo”. 

After the first participant entered a lucid dream state, the program sent the word “Zhilak” through the earbuds, and the participant repeated their dream and had it recorded. Once the second person entered a lucid state, the recorded word was transmitted to them. Once awake, the second participant confirmed the word they heard was “Zhilak”.

This is a huge breakthrough for sleep science, and REMspace believes that this technology could eventually be used in mental health treatment, skill development, and various other applications. However, before that can happen the experiment will need to be validated and replicated by other researchers to confirm their reliability and effectiveness.

“Yesterday, communicating in dreams seemed like science fiction. Tomorrow, it will be so common we won’t be able to imagine our lives without this technology,” REMspace CEO and founder Michael Raduga said. “This opens the door to countless commercial applications, reshaping how we think about communication and interaction in the dream world.”

AROUND THE ZOO

  • The Boeing factory strike has now crossed the one-month mark, as the union and company remain at an impasse. Production at the factories in the Seattle area and other locations remains idle as the strike continues.

  • Even though prices haven’t rolled back from their highs, the latest data suggests that the Federal Reserve has pretty much hit its target of getting inflation back down to 2%.

  • North Korea has just blown up an inter-Korean road and rail lines near its border with South Korea. While no damage was sustained on the South Korean side, the country fired warning shots south of the military demarcation line in response.

HEALTH

The Battle Between Gut Health And Alcohol

We all love a glass of wine or two. Heck, maybe a cocktail if you’re feeling it. Now all of a sudden you aren’t feeling like that was a great choice, and your gut is letting you know. No joke! Instead of enjoying a relaxing drink, your gut is drafting a complaint letter.

Everyone loves something to sip during a social gathering, but the havoc it can cause in your gut and possibly your immunity might not be the effect you’re looking for.

The Gut-Alcohol Tango

Ever wonder what happens inside your belly after downing that third Margarita? Picture this: The more alcohol you guzzle, the more your gut rolls up its sleeves to get to work helping your liver and stomach metabolize the booze. Gut plays the understudy, but as the night wears on, it’s thrust into the lead role. Cue the drama!

Here’s where things get real: Your gut produces free radicals that damage GI tract cells. Love your microbiome? Well, alcohol could be an unwelcome guest in your microbial party, causing shifts that aren’t just gut-deep; they can influence everything from your weight to your sleep.

Inflaming the Situation: Alcohol & Gut Disorders

Do you have IBS or IBD? A glass or two might not just give you a buzz but also ignite your symptoms as your gut goes into work mode. And that’s no laughing matter; leave it at that! 

The Immunity Slip

For those who count calories and steps, add this to your checklist: one drink for the ladies and two for the gents. Even this ‘moderate’ amount could tinker with your immunity. Alcohol can cause inflammation leading to a weakened gut barrier, which can cause a weakened immune system. Throw in disrupted sleep and dehydration, and your body’s defense mechanism is practically sending an invite to every germ in town.

Play It Safe

So, what’s the deal? Limit your alcohol, especially if you have a sensitive gut or existing health conditions like IBD or IBS. And don’t just stop there—balance it out with gut-friendly foods, regular exercise, and quality sleep. Cheers to making smarter choices! 

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