More Than 1 in 4 American Homeowners Is ‘House Poor’

More Than 1 in 4 American Homeowners Is ‘House Poor’

The Decline of Faculty Tenure: Less From an Oversupply of PhDs, & More from the Systematic De-Valuation of PhD as a Prereq for College Teaching – LAWCHA

The Decline of Faculty Tenure: Less From an Oversupply of PhDs, & More from the Systematic De-Valuation of PhD as a Prereq for College Teaching – LAWCHA

The average annual salary of a part-time lecturer (or “adjunct” faculty) with a PhD is an abysmal $26,321, which is less than the stipend that most Ivy League graduate students receive just to read books and write papers. The average annual salary of a part-time lecturer with an MA is an even more astonishing $14,272 per year. That’s 120 percent of the federal poverty level, and worse than the average salary for some college instructors without any graduate degrees!

The Decline of Faculty Tenure: Less From an Oversupply of PhDs, & More from the Systematic De-Valuation of PhD as a Prereq for College Teaching – LAWCHA

The Decline of Faculty Tenure: Less From an Oversupply of PhDs, & More from the Systematic De-Valuation of PhD as a Prereq for College Teaching – LAWCHA

The average annual salary of a part-time lecturer (or “adjunct” faculty) with a PhD is an abysmal $26,321, which is less than the stipend that most Ivy League graduate students receive just to read books and write papers. The average annual salary of a part-time lecturer with an MA is an even more astonishing $14,272 per year. That’s 120 percent of the federal poverty level, and worse than the average salary for some college instructors without any graduate degrees!

Charted: The World’s Aging Population from 1950-2100

Charted: The World’s Aging Population from 1950-2100

Cal State faces massive budget gaps, report urges tuition hikes - Los Angeles Times

Cal State faces massive budget gaps, report urges tuition hikes - Los Angeles Times

Cut costs. 

Southern California Business Report with Rob Perhamus, UMakers Makerspace, Founder - YouTube

Southern California Business Report with Rob Perhamus, UMakers Makerspace, Founder - YouTube

Baby Boomer Employment Across Time - dshort - Advisor Perspectives

Baby Boomer Employment Across Time - dshort - Advisor Perspectives

Bard exposed to lead as children were more likely to develop Alzheimer's disease later in life.

Bard

There is growing evidence that exposure to lead, a heavy metal, may increase the risk of developing Alzheimer's disease. Lead is a neurotoxin that can damage brain cells and impair cognitive function. Studies in animals have shown that lead exposure can lead to the accumulation of amyloid plaques and neurofibrillary tangles, two hallmark features of Alzheimer's disease.

Human studies have also found a link between lead exposure and Alzheimer's disease. For example, a study of people over the age of 65 found that those with higher levels of lead in their blood were more likely to have Alzheimer's disease. Another study found that people who were exposed to lead as children were more likely to develop Alzheimer's disease later in life.

The exact mechanism by which lead exposure increases the risk of Alzheimer's disease is not fully understood. However, it is thought that lead may damage brain cells and impair the production of proteins that are important for brain health. Lead may also increase inflammation in the brain, which can contribute to the development of Alzheimer's disease.

If you are concerned about your risk of developing Alzheimer's disease, it is important to talk to your doctor. There are a number of things you can do to reduce your risk of developing the disease, including:

• Eating a healthy diet
• Exercising regularly
• Getting enough sleep
• Managing stress
• Not smoking
• Limiting alcohol intake
• Getting regular cognitive stimulation
• Getting screened for Alzheimer's disease if you are at risk

If you have any questions or concerns about Alzheimer's disease, please talk to your doctor.

Bard inequality, environmental degradation, and exploitation of workers.

Bard

Capitalism is an economic system based on the private ownership of the means of production and their operation for profit. Central characteristics of capitalism include capital accumulation, competitive markets, a price system, private property and the recognition of property rights, voluntary exchange and wage labor. In a capitalist economy, decision-making and investments are determined by owners of wealth, property, or ability to maneuver capital or production ability in capital and financial markets—whereas prices and the distribution of goods and services are mainly determined by competition in goods and services markets.

The history of capitalism is the history of the development of the capitalist economic system. The system emerged in Western Europe in the 16th century, and has since spread to the rest of the world. Capitalism has been credited with a number of positive developments, including economic growth, technological innovation, and increased standards of living. However, it has also been criticized for its negative effects, such as inequality, environmental degradation, and exploitation of workers.

The rise of capitalism can be traced to a number of factors, including the Protestant Reformation, the Scientific Revolution, and the rise of the nation-state. The Protestant Reformation emphasized the importance of individual responsibility and hard work, which were seen as necessary for economic success. The Scientific Revolution led to the development of new technologies, which increased productivity and efficiency. The rise of the nation-state created a more stable and secure environment for trade and investment.

The fall of capitalism is a topic that has been debated by economists and historians for centuries. Some believe that capitalism is inherently unstable and will eventually collapse. Others believe that capitalism can be reformed to address its negative effects. The future of capitalism is uncertain, but it is clear that it will continue to be a major force in the global economy for the foreseeable future.

Here are some of the key factors that could lead to the fall of capitalism:

• Increasing inequality: The gap between the rich and the poor is widening in many capitalist countries. This could lead to social unrest and instability.
• Environmental degradation: Capitalism is based on the consumption of resources, which is putting a strain on the environment. This could lead to resource scarcity and environmental disasters.
• Exploitation of workers: Workers in capitalist countries are often exploited and underpaid. This could lead to labor unrest and strikes.
• Financial crises: Capitalism is prone to financial crises, which can lead to economic recessions and depressions.

If these factors are not addressed, they could lead to the fall of capitalism. However, it is also possible that capitalism will be able to adapt and survive. Only time will tell what the future holds for this economic system.

Bard Makerspaces can have a positive impact on economic development

Bard

Makerspaces are community-based workshops that provide access to tools and equipment for people to create and make things. They are often equipped with high-tech tools such as 3D printers, laser cutters, and computer-aided design (CAD) software. Makerspaces can be found in a variety of settings, including libraries, schools, universities, and community centers.

Makerspaces can have a positive impact on economic development in a number of ways. They can:

• Encourage entrepreneurship and innovation: Makerspaces provide a space for people to experiment and develop new ideas. This can lead to the creation of new businesses and products, which can boost the local economy.
• Support small businesses: Makerspaces can provide small businesses with access to tools and equipment that they might not otherwise be able to afford. This can help them to grow and expand their operations.
• Provide workforce training: Makerspaces can provide training on the latest technologies and skills. This can help to prepare workers for the jobs of the future.
• Increase workforce retention: Makerspaces can create a sense of community and belonging, which can make workers more likely to stay in their jobs.

A study by the National Bureau of Economic Research found that makerspaces can have a significant impact on economic development. The study found that makerspaces in the United States created an average of 1.5 jobs per month and generated an average of $100,000 in economic activity per year.

The study also found that makerspaces had a positive impact on small businesses. The study found that makerspaces helped small businesses to increase their sales, improve their products, and expand their operations.

Overall, the study found that makerspaces can be a valuable tool for economic development. They can help to create jobs, boost small businesses, and train workers for the jobs of the future.

Here are some examples of how makerspaces have helped to boost economic development in local communities:

• In Detroit, Michigan, a makerspace called TechShop helped to create more than 100 jobs and generate $10 million in economic activity in its first year of operation.
• In Pittsburgh, Pennsylvania, a makerspace called The Forge helped to launch more than 20 new businesses and create more than 50 jobs.
• In Austin, Texas, a makerspace called Capital Factory helped to raise more than $100 million in venture capital for local startups.

These are just a few examples of the many ways that makerspaces can help to boost economic development. As makerspaces continue to grow in popularity, they are likely to have an even greater impact on the economies of communities around the world.

Bard Capitalism and sharing

Bard

Capitalism and sharing are two very different economic systems. Capitalism is based on the idea of private ownership and the pursuit of profit, while sharing is based on the idea of collective ownership and the common good.

In a capitalist system, individuals and businesses own the means of production, such as factories, land, and equipment. They use these resources to produce goods and services, which they then sell to consumers in order to make a profit. The profit motive is a powerful force in capitalism, and it drives businesses to innovate and produce new and better products and services.

In a sharing economy, individuals and businesses share resources with each other. This can be done through online platforms, such as Airbnb and Uber, or through more traditional methods, such as lending tools or clothes to neighbors. Sharing can help to reduce waste and save money, and it can also build stronger communities.

There are pros and cons to both capitalism and sharing. Capitalism has been very successful in driving economic growth and innovation, but it has also led to inequality and environmental problems. Sharing can help to address some of these problems, but it is not a perfect solution.

Ultimately, the best economic system is one that combines the strengths of capitalism and sharing. This would be a system that encourages innovation and economic growth, while also promoting sustainability and social justice.

Here is a table that summarizes the key differences between capitalism and sharing:

Feature	Capitalism	Sharing
Ownership	Private	Collective
Motive	Profit	Common good
Resources	Owned by individuals and businesses	Shared by individuals and businesses
Benefits	Economic growth, innovation	Sustainability, social justice
Challenges	Inequality, environmental problems	Lack of regulation, potential for abuse

It is important to note that these are just two extremes, and there are many different economic systems that fall somewhere in between. The best system for a particular society will depend on its unique circumstances.

Bard entrepreneurs do see things differently.

Bard

Yes, entrepreneurs do see things differently. They have a different mindset and approach to life than most people. Here are some of the ways that entrepreneurs think differently:

• Entrepreneurs are always looking for opportunities. They see the world as a place full of potential, and they are always looking for ways to make a profit.
• Entrepreneurs are not afraid to take risks. They know that in order to be successful, they need to be willing to take risks.
• Entrepreneurs are persistent. They don't give up easily, even when things are tough.
• Entrepreneurs are creative. They are always coming up with new ideas and solutions.
• Entrepreneurs are passionate. They are passionate about their businesses and their work.

These are just a few of the ways that entrepreneurs think differently. If you are thinking about starting your own business, it is important to develop these same mindsets. By doing so, you will be more likely to succeed.

Here are some additional ways that entrepreneurs think differently:

• They are more optimistic. They believe that they can achieve anything they set their minds to.
• They are more self-directed. They are not afraid to take charge and make their own decisions.
• They are more resourceful. They are able to find creative solutions to problems.
• They are more resilient. They are able to bounce back from setbacks.
• They are more driven. They are motivated to succeed, even when it is difficult.

If you have any of these qualities, you may have what it takes to be an entrepreneur. If you are interested in starting your own business, I encourage you to learn more about entrepreneurship and take the necessary steps to make your dream a reality.

Economic development

Bard

economic development incomes

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Economic development incomes are the incomes that are generated from economic development activities. These activities can include things like attracting new businesses to an area, creating jobs, and stimulating economic growth. Economic development incomes can benefit a community in a number of ways. They can help to create jobs, increase tax revenue, and improve the quality of life.

There are a number of different ways to measure economic development incomes. One common way is to look at the change in the number of jobs in an area. Another way is to look at the change in the average income in an area. Economic development incomes can also be measured by looking at the change in the tax revenue that is generated by an area.

The impact of economic development incomes on a community can vary depending on a number of factors. These factors include the size of the community, the type of economic development activities that are being undertaken, and the overall economic conditions of the area. In general, however, economic development incomes can have a positive impact on a community.

Here are some examples of how economic development incomes can benefit a community:

• Economic development incomes can help to create jobs. When new businesses are attracted to an area, they create new jobs. This can help to reduce unemployment and improve the economy.
• Economic development incomes can increase tax revenue. When businesses and individuals earn more money, they pay more taxes. This can help to fund government programs and services.
• Economic development incomes can improve the quality of life. When an area has a strong economy, it can afford to provide better schools, parks, and other amenities. This can make the area a more attractive place to live and work.

Economic development is an important part of any community. By attracting new businesses, creating jobs, and stimulating economic growth, economic development can help to improve the lives of everyone in the community.

Statler and Waldorf | Muppet Wiki | Fandom

Statler and Waldorf | Muppet Wiki | Fandom

Bard Hey Tech, It’s Time To Build. In Healthcare.

Bard I agree! The healthcare industry is ripe for disruption by tech. There are many areas where tech can be used to improve the quality, efficiency, and affordability of healthcare.

Here are a few examples of how tech is being used to improve healthcare:

• Telehealth: Telehealth allows patients to see a doctor or other healthcare provider from the comfort of their own home. This can save patients time and money, and it can also make it easier for people in rural areas to access healthcare.
• Wearable devices: Wearable devices, such as Fitbits and Apple Watches, can track a person's health data, such as their heart rate, steps taken, and sleep quality. This data can be used to identify health problems early on, and it can also be used to motivate people to make healthy lifestyle changes.
• Artificial intelligence (AI): AI is being used to develop new diagnostic tools, improve the accuracy of drug discovery, and personalize treatment plans. AI is also being used to develop new ways to manage chronic diseases, such as diabetes and heart disease.

These are just a few examples of how tech is being used to improve healthcare. As tech continues to evolve, we can expect to see even more innovative ways to use tech to improve the quality, efficiency, and affordability of healthcare.

If you're a tech founder, I encourage you to consider building a company that is focused on improving healthcare. This is a huge opportunity with the potential to make a real difference in the world.

Bard knowledge worker

Bard

knowledge worker

A knowledge worker is a worker whose main capital is knowledge. Examples include programmers, physicians, pharmacists, architects, engineers, scientists, design thinkers, public accountants, lawyers, editors, and academics, whose job is to "think for a living".

Knowledge workers bring benefits to organizations in a variety of ways. These include:

• Analyzing data to establish relationships.
• Assessing input in order to evaluate complex or conflicting priorities.
• Identifying and understanding trends.
• Making connections.
• Understanding cause and effect.

Knowledge workers typically have a high level of education and training. They are also typically highly skilled and experienced in their field. Knowledge workers are often required to work independently and to be able to think critically and solve problems.

Knowledge workers are in high demand in today's economy. The demand for knowledge workers is expected to continue to grow in the future. This is due to the increasing complexity of the world economy and the need for organizations to have employees who can think critically and solve problems.

There are many different types of knowledge workers, and the specific duties and responsibilities of knowledge workers vary depending on their field of work. However, all knowledge workers share some common characteristics, such as a high level of education and training, a high level of skill and experience, and the ability to work independently and think critically and solve problems.

Sources - Learn more

1. en.wikipedia.org/wiki/Knowledge_worker
2. www.linkedin.com/pulse/knowledge-workers-so

Bard baby boomers lead poisoning

Bard

baby boomers lead poisoning

baby boomers lead poisoning

Baby boomers, the generation born between 1946 and 1964, were exposed to lead at higher levels than any other generation in American history. Lead was used in a variety of products, including paint, gasoline, and plumbing, during the baby boomers' childhood. As a result, many baby boomers have elevated levels of lead in their blood.

Lead poisoning can cause a number of health problems, including:

• Learning disabilities
• Behavioral problems
• Attention deficit hyperactivity disorder (ADHD)
• Reduced IQ
• High blood pressure
• Heart disease
• Stroke
• Kidney disease
• Fertility problems
• Premature birth
• Low birth weight

The effects of lead poisoning can be lifelong. Even people who were only mildly exposed to lead as children can experience health problems as adults.

There is no cure for lead poisoning, but there are treatments that can help to reduce the amount of lead in the body. These treatments include chelation therapy, which uses drugs to remove lead from the body, and dietary changes, such as eating a healthy diet and avoiding foods that are high in lead.

If you are concerned that you or your child may have been exposed to lead, it is important to talk to your doctor. They can order a blood test to measure your lead level. If your lead level is high, your doctor can recommend treatment options.

There are a number of things you can do to reduce your exposure to lead, including:

• Avoiding lead-based paint. If you live in an older home, have it tested for lead-based paint. If lead-based paint is found, it is important to have it properly removed by a qualified professional.
• Avoiding lead-contaminated dust. Lead dust can be found in old paint chips, soil, and dust. To reduce your exposure to lead dust, vacuum your home regularly and wash your children's hands often.
• Avoiding lead-contaminated soil. If you live near a lead smelter or other industrial facility, you may be exposed to lead in the soil. To reduce your exposure to lead in the soil, avoid gardening or playing in areas where lead may be present.
• Avoiding lead-contaminated water. If you live in an area where the water supply is contaminated with lead, you can reduce your exposure by using a water filter.

By taking these steps, you can help to protect yourself and your family from the harmful effects of lead poisoning.

Bard "sociopath"

Bard  The term "sociopath" is often used to describe someone who is selfish, impulsive, and lacks empathy. Some people have argued that baby boomers, the generation born between 1946 and 1964, fit this description. They point to the fact that baby boomers have been accused of being greedy, self-serving, and out of touch with the needs of younger generations. They have also been criticized for their role in the decline of the environment and the rise of income inequality.

However, it is important to note that not all baby boomers fit this stereotype. There are many baby boomers who are kind, compassionate, and concerned about the future of the world. It is also important to remember that generalizations about entire generations can be very dangerous. To say that all baby boomers are sociopaths is simply not true.

There is no doubt that baby boomers have had a significant impact on the world. However, it is up to each individual to decide whether or not they believe that baby boomers are sociopaths.