We cannot solve our problems with the same thinking we used when we created them.”
Let’s start by eliminating the biggest barriers to education: cost and accessibility. Put money, attention and resources where it’s most effective—in front of students, not in administrators, buildings, parking lots or monuments. Next, teach at scale. Make the content accessible to anyone, at any time, anywhere in the world.

Gather the most creative minds, technologists, learning designers, and inspirational professionals to teach 21st century skills including: design thinking, problem solving, entrepreneurship, strategy, experience design, communication, media, content marketing and design.

Bring people together to form a vibrant community and safe space to share, discuss and learn. Connect learners from different cultures, interests, age groups and life experiences.
That sounds modern, disruptive, and unlike any school out there!

That’s because we believe the future of school isn’t a school at all—classrooms have no walls, students are never late, and classes are always in session. Welcome to the school of tomorrow. This book sorta feels like an episode of Ancient Aliens or even Sightings, if you go back that far like I do. Heck, I might even say I could see this as an episode of In Search Of, with Leonard Nimoy. This has a lot of inferences and intuitions regarding aliens, time travel, and the human species. Personally, I’ve always felt that humans actually are evolving into creatures that look like the Grays. We are becoming shorter, we will lose our pinky finger, and our hair over time. As it stands it is just a matter of how long a period of time we are talking about before that happens. Bollio speculates that the “aliens” are actually from the distant future, and have come back for reasons we can only speculate on. 

What defines happiness?

Several factors have consistently contributed to human happiness throughout the ages, but on the individual level, it remains a lifelong pursuit. Looking ahead, we expect demographic developments and rapid technological change to influence the path to happiness in the decade ahead.I found this to be an interesting listen, just as I find those speculative programs on TV to be interesting. The only problem that I have is that it is speculative and filled with conjecture, but then anyone who is expecting definitive proof will always be sorely disappointed. The book is a fun couple of hours that can make you think and speculate on its points. The narration is nice and is pleasing to listen to. Even though I did receive a promo code for this review it in no way influenced my considerations of the material, and in fact, inspired me to be more honest. In fact, getting a code generally makes me harsher as a reviewer as I am more often concerned what someone like Me will decide based on my review. 

The millennials and Generation Z will move into their peak earnings years and likely benefit from wealth transfer. These cohorts are broadly more conscious of their social and environmental impact. They often value experiences more than material ownership. Companies that produce goods and services that cater to these generations’ social and environmental values are likely to benefit. Furthermore, companies that provide new consumer experiences through technologies like augmented and virtual reality can offer attractive investment opportunities.

Technological progress has raised living standards. But at the same time, more hours spent in front of screens carries risks to well-being. Mental and physical health applications and platforms could benefit both consumers and investors.

Explore below what the demographic change and technological progress mean for investors seeking short- and long-term opportunities. We focus here on the opportunities resulting from more socially conscious and digitally savvy consumers—sustainable brands and digital entertainment like augmented and virtual reality (AR and VR) and esports.
The art of happiness: the past and present

Over the past few decades, we have seen many factors related to happiness trend in the right direction. Economic prosperity is rising; access to critical resources and services has broadened; and people are more connected than ever, at least in the digital sense. Despite these trends, mental health concerns are mounting. In the US, teen depression rose 63% from 2007 to 2017, according to a Department of Health study. And the World Health Organization’s report on mental health and COVID-19 estimates the global economy loses USD 1 trillion every year to depression and anxiety.
How will our pursuit of happiness change in the next 10 years?

We believe demographic and technological developments will change our pursuit of happiness over the coming decade. In the following years, millennials will begin to reach midlife, and greater numbers of Generation Z will reach adulthood. These rising cohorts are “digital natives,” and as this tech-obsessed demographic becomes a larger proportion of the population, we can expect to see hours spent on digital devices rise further.
How will technology impact our health?

Unfortunately, more screen time could have consequences for well-being. But the relationship between technology and mental health is not straightforward. For instance, time spent learning online would likely have a different impact than time spent on social media. A study from the University of Pennsylvania found that spending less time on social media—which about 88% of 18- to 29-year-olds use some form of, according to Pew Research Center—could decrease feelings of loneliness and depression.

While we expect the overall education market to grow over the next decade, private education will expand even more rapidly as the public sector lags the rise in demand. The education technology market looks set to benefit, including education trends in e-learning, for-profit postsecondary education, language learning, and test preparation.

For investors interested in the education sector, we see opportunities in public and private markets through companies that provide education, especially in education technology and ancillary services, and companies that have a superior record than their peers in training and developing their employees.
The rise of the service economy requires significant investment in human capital and the specialized training of workers. Today, a wide gap exists between the skills our current education system delivers and what the digital economy demands. In the current paradigm, we specialize in a narrow skill set from a very young age, seek lifetime employment in one industry, and hope to retire with a steady pension. Yet as we discussed in our “Future of the Tech Economy” report, the Fourth Industrial Revolution, driven by enhanced automation and connectivity, is transforming various industries. The role of education in the digital era needs to place more emphasis on developing skills that cannot be easily automated. In our view, these automation-resistant skills are:

While higher spending does improve health outcomes, life expectancy improvements moderate at higher levels of spending, with several outliers. The United States spends over 17% of GDP on healthcare, yet its life expectancy lags that of Western peers. Singapore spends just over 4% of GDP for better results.

Part of the explanation is the inefficiency of many healthcare systems. A staggering amount is wasted on unnecessary and low-value care—between USD 760 billion and USD 935 billion in the US alone in 2019, according to according to the American Medical Association, equivalent to roughly 25% of total health spending in the country.

With constrained budgets, governments and other payers are likely to push more healthcare costs onto individuals. The rise of high-deductible health plans and growth of prescription copays in the US are a case in point. But as patients bear more of their drug costs, they become more price-sensitive and more likely to skip prescriptions. This can have adverse medical consequences.
Technology and the “consumerization” of healthcare

Healthcare delivery therefore needs to change, with implications for patients, payers, and investors. Technology and the “consumerization” of healthcare are key to this change. A more engaged “health consumer” will take health into his or her own hands, with a greater incentive to focus on preventive health. The growth of wellness programs shows this behavior in action. We expect a further blurring of the lines between these areas and healthcare products and services as people seek to live better, rather than just longer, lives.
Will everyone respond to these challenges equally?


Are we evolving into a NEW type of human? ‘Different’ species will have evolved by 2050, scientist claims
By 2050, a completely new type of human will evolve as a result of radical new technology, behaviour, and natural selection.

This is according to Cadell Last, a researcher at the Global Brain Institute, who claims mankind is undergoing a major ‘evolutionary transition’.

In less than four decades, Mr Last claims we will live longer, have children in old age and rely on artificial intelligence to do mundane tasks.Some evolutionary scientists believe this age could be as high as 120 by 2050.

Mr Last claims humans will also demonstrate delayed sexual maturation, according to a report by Christina Sterbenz in Business Insider.

This refers to something known as life history theory which attempts to explain how natural selection shape key events in a creature’s life, such as reproductionIt suggests that as brain sizes increase, organisms need more energy and time to reach their full potential, and so reproduce less.

Instead of living fast and dying young, Mr Last believes humans will live slow and die old.

‘Global society at the moment is a complete mess,’ he told MailOnline. ‘But in crisis there is opportunity, and in apocalypse there can be metamorphosis.

‘So I think the next system humanity creates will be far more sophisticated, fair, and abundant than our current civilisation.

‘I think our next system will be as different from the modern world, as our contemporary world is from the medieval world.’

‘The biological clock isn’t going to be around forever,’ he added, and said that people could pause it for some time using future technology.The change is already happening. Today, the average age at which a woman in Britain has her first baby has been rising steadily stands at 29.8.


On the positive side, technology is broadening access to experiences at a cheaper cost and expanding the options available for maintaining well-being. For example, virtual reality technologies will increasingly enable remote entertainment—more of us will likely enjoy a concert or experience another country without leaving our homes.

In the healthcare space, health and wellness mobile apps are gaining traction and expanding access to mental health services. Similarly, we could see technology enable new possibilities for improving physical fitness. Since the pandemic, for example, we have seen former gym-goers transition to internet-based fitness experiences. While it’s too early to tell whether some of these self-directed, preventive care habits will stick, we have argued that will continue to influence how we manage our health going forward.
What will education look like in the future?

The education sector is growing, and with that we see several potential investment opportunities—but what does the future hold for education? In a digitalized era where technology meets education, learning will increasingly have to focus on flexibility, creativity and innovation, interpersonal skills, and mastery of technology.

As working lives get longer and knowledge becomes outdated sooner, university is no longer the final place of learning. In fact, the need to pick up new skills will stretch into retirement age.


What is driving the future of healthcare?
The healthcare industry is leaping forward, as COVID-19 speeds up advances in health technologies, remote care (telemedicine), and a focus on a more sustainable healthcare system.

Rising healthcare cost is a well-established trend. But with a more technology-driven healthcare ecosystem, health consumers will take more financial responsibility for their health in the future. Patients will prioritize staying healthier for longer, transforming healthcare from an episodic service to a lifelong process of managing and maintaining their health.

The telemedicine boom points to a shift in the location of care, as remote technologies like AI and 5G facilitate more efficient treatment paths and fewer hospital visits. Telemedicine can save costs for the healthcare system, improve the utilization of physicians’ time, and produce better patient experiences.

We invite you to explore the future of healthcare, the trends and technologies reshaping the industry, and the short- and long-term investment opportunities in the public and private markets.
Understanding the costs of healthcare—the first step to a more efficient healthcare system.

Rising healthcare costs aren’t news. Global health spending already reached USD 7.8 trillion—10% of world GDP—in 2017, according to the WHO. And with the over-65 population likely to grow 60% to 1 billion by 2030, we expect the growth in healthcare spending to continue to outpace the expansion in GDP.


Unlikely. Patients willing to alter their behavior and reduce health risks are probably a self-selecting group, while some social or demographic groups may be less able to adapt. To ensure fairness, a mix of “carrot” and “stick” will be needed to drive change. Shifts in health delivery are likely to be gradual (we do not assume wholesale change in the US insurance-led model). But with chronic disease spending on the rise, better management and prevention of “lifestyle diseases” like obesity and heart disease could both save money and improve individuals’ quality of life.
Who are the enablers in the future of healthcare?

Enablers are companies developing technologies or services that drive change. The most successful will have large addressable markets and a competitive advantage in technology, service, or market access. Enablers are growth companies, with relatively high idiosyncratic (company-specific) risk, and may have speculative appeal.
Who are the beneficiaries in the future of healthcare?

Beneficiaries are incumbents who can leverage the enablers’ technologies to entrench or improve their market position. These companies are more likely to be stable compounders, but must beware the risk of being disrupted or disintermediated by the enablers.

In the US, just one per cent of first children were born to women over the age of 35 in 1970. By 2012, that figure rose to 15 per cent.

‘As countries become socioeconomically advanced, more and more people, especially women, have the option to engage in cultural reproduction,’ Mr Last added.

And as well as having more child-free years to enjoy leisure time, he believes artificial intelligence will offset the need for low-skill jobs.

We may also spend a large amount of time living in virtual reality.’I’m not quite sure most people have really internalised the implications of this possibility,’ Mr Last said.

By 2040, cabs will be driven by Google robots, shops will become showrooms for online outlets and call centres will be staffed by intelligent droids.

That’s the scenario depicted in recent research which suggests robots could be taking over our lives and jobs in less than 30 years.

The competition for work caused by a rise in the robots population will see us heading to surgeons for ‘additional processing power for our brains’, they claim.

We may also be requesting bionic implants for our hands that will make us able to perform tasks as fast as any machine.

Futurologists, commissioned by global job search website xpatjobs.com, say workers will have less job security and will work more unsociable hours.

Those who take these risks and innovate with their own bodies will be the biggest earners in 2040, they claim.

However, the study added that workers may be left with poor eyesight, smaller sexual organs, and constantly-furrowed brows as they struggle to keep up to life in the 21st century.


The Future of Paper Money

It’s not likely that paper money will completely disappear at any time in the near future. It is true that electronic transactions have become more and more common over the last few decades and there is no reason why this trend will not continue. We may even get to the point where paper money transactions become incredibly rare – for some, they already are! At that point, the tables could turn and what we now consider paper money may actually act as the backing to our electronic currency, the way the gold standard once backed paper money. But even this scenario is difficult to picture, in part because of how we have historically placed a value on paper money.

The Future of Currency

So if we are already in the future where the value of money is simply the value assigned to it, what has stopped us from moving toward an entirely digital currency? The answer is in large part due to our national governments. We have seen the rise (and falls) of digital or cryptographic currencies like Bitcoin. Some continue to wonder what we’re all still doing with the dollar (or the pound, euro, yen, etc.). But beyond the issues of storage of value with these digital currencies, it is difficult to imagine a world in which such currencies replace the national currencies like the dollar. In fact, as long as governments continue to collect a tax, they will have the authority to dictate the currency in which those taxes may be paid.


As for one universal currency, we’re not likely to get there anytime soon, though we do suspect that the number of currencies will fall as time goes on and the world becomes more globalized. We already see that happening today like when a Canadian oil firm negotiates a contract with a Saudi Arabian company and the deal is negotiated in American dollars or EU euros, not Canadian dollars. The world could get to the point where there are only 4 or 5 different currencies in use. At that point, we’ll likely be battling over standards, one of the largest deterrents to such a global change.



The Value of Money

The concept behind money dates back to the beginning of civilization. It’s no surprise why money caught on amongst civilized people: It was a much more efficient and convenient way to transact business as opposed to bartering with other goods and services. Can you image keeping all of your wealth in something like livestock?


But unlike goods and services, money does not hold an intrinsic value in and of itself. In fact, today, money is merely a piece of specialized paper or numbers on a ledger. While it’s important to note that this was not always the case (for much of history, money was minted in coins of metals that held real value), today the system relies on a mutual set of beliefs. That is to say, that money has value because we as a society have assigned it value. In that sense, you can consider money a good with a limited supply and a demand simply because we want more of it. Simply put, we want money because we know that other people want money, so we can trade money for goods and services. This system works because a majority of us, if not all of us, believe in the future value of this money.

The Bottom Line

What we’re most likely to see is the continued growth of electronic transactions for which people will be less willing to pay fees. We will be looking for and inventing newer, lower cost ways to transact with money electronically as we’ve seen with the rise of services like PayPal and Square. What’s most amusing about this trend is that while less efficient in many ways, paper money is still the cheapest form in which to transact: It’s free!            GO TO PART 2