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Spending on auto insurance is up: Here's how drivers are saving money

Americans spent an average of $1,705 on auto insurance in 2022, up 4% from 2021 and 17% from 2020, a recent Insurify study said.

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Nearly half of Americans expect to go into debt buying holiday gifts

Nearly half of Americans expect to go into debt during the holidays this year. Here’s how to pay down your holiday debt quickly.

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HARDtalk

of money, i don't need any more, let me give it all to non—profits, and let's benefit the world today". and there are very smart and rational people in both camps. which one are you in? i'm not in either camp, because i'm not in that stratosphere. yeah, you are. it's a serious question, because you have an influence and the power that comes with money, and i wonder whether you think it carries with it a responsibility. so, my area of focus on a nonprofit basis is animal rights. so i donate a lot of money to animal rights causes. that's my — i don't donate any money to political campaigns or political causes or anything like that, so i'm much more of a "who can't be helped by technology and how can we help them"? and then, the other aspect for me is, where can i invest my capital in building technology that can benefit people and make costs go down, and improve access to things in the world? and so, i guess one could argue maybe i straddle both camps, but i'm certainly not as influential as those who are very die—hard and much bigger in one or the other.

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HARDtalk

and there have always been significant holders, whether it's news corp or — i know bbc is a public service, which is tremendous, the quality of that — but many of the public services have not reached the same quality of the bbc, and the winners in the market have always aggregated into monopoly powers. before we end, i want to get a little bit personal, because again, we're sitting down in this place where there are a very few unimaginably wealthy people, and you're one of them. do you think with that tech wealth comes a clear responsibility to do things for the public good? there are two personalities within that cohort. and i know the personalities, and i know the cohort. the first personality is, "i am going to be the best at reinvesting these dollars in building the next enabling technology set that is going to benefit the world. and that is more important than donating money to non—profits." the second cohort is, "after a certain amount

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HARDtalk

for millions and millions of people around the world? and what we've seen is that one man with an extraordinary amount of money and power can go in, and, in many people's view, undermine the values of that company. 0r he's recasting the values. and i think that's his prerogative. and if the customer, the user of that platform doesn't like his new values, what i'm seeing happen, and what i expect will continue to happen is people will leave that platform and they will go elsewhere. and we have seen this happen. there is no social network that has continued to dominate on this... we all thought social networks were going to become monopolies. turns out, maybe they weren't. friendster, myspace, facebook, instagram, and now, the current one is tiktok. and twitter�*s, kind of, a question mark on what's going to happen, where each one of these, the quality of the content, the quality of the audience, the quality

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HARDtalk

are only going to be enabled by market—based systems. here we sit in san francisco, one of the hubs of america's big tech economy. i mean, this city has received so much money, has become so prosperous — and, of course, still has massive economic problems to go alongside that — but it has come to symbolise, and particularly california as a whole, has come to symbolise the success of american big tech. but do you appreciate that right now, there is a growing public scepticism about big tech and about the impacts it is having on society here in america, but around the world? yeah, and i will tell you, for the first time in my career, i am seeing the scepticism and the concern about the aggregation and the monopoly effects that are being realised in the technology markets being heralded notjust by the majority, but also by the minority in the tech world.

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HARDtalk

markets operate. what you frame this as, dave, is constantly, you frame it as a set of technological challenges which you believe we humans, backed by your money and people like you's money, we can overcome. but maybe, actually, what we need to be addressing isn't constant advance in science and technology. we need to be thinking about human prioritisation, about politics, because there are many people who say, "frankly, we could feed the people of the world perfectly well today. the problem isn't a lack of technology. the problem is the way we run the planet." it's a political, not a technological problem. both are true. both are true, and they don't need to be dependent. it's not that you have to choose. we can continue to have really important social gain through political action, and we can also continue to move all of society forward and humanity forward by investing in and building new technologies that

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