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...James Graff in Pitte's office. How many of the 26,000 students at the Sorbonne are really students? Between 10 and 15% of them are false students who enroll to get social security and a student ID card. But the 23,000 or 24,000 others are still twice too many: many of them aren't really made for this kind of study. They rapidly fail within a year, maybe two. That's the real catastrophe: we end up selecting students through failure, but we don't dare to select them before they enter - that's considered...
Every financial decision ought to be taken with a wary eye toward the future. New college grads ought to think twice about taking a job offering low current but high future wages. Those future wages may not materialize and may be taxed to death. Middle-age and middle-class workers should consider contributing to Roth rather than conventional IRAs. The conventional IRA lowers your current taxes but raises your future taxes, including taxes on your future Social Security benefits. New retirees should consider cashing out their 401(k)s early and delaying receipt of Social Security. That dramatically raises Social...
...financial planning. For starters, avoid those simplistic financial calculators on the Net. Relying on them can lead to huge financial mistakes. TIAA-CREF, for example, asks just five questions in its online Simple Life-Insurance Needs Calculator. Fidelity's Retirement Quick Check saving calculator is equally primitive. Next, think twice about using financial planners. Their software isn't much better. Most programs make you set your own future spending targets. Doing so correctly is terribly difficult given all the interconnected variables. And small targeting mistakes can lead to horrendous saving, insurance and investment advice...
...likely to become a teen mom herself, says Patricia East, a developmental psychologist at the University of California, San Diego. The same pattern holds for substance abuse. According to a paper published in the Journal of Drug Issues earlier this year, younger siblings whose older sibs drink are twice as likely to pick up the habit too. When it comes to smoking, the risk increases fourfold...
...wager that the two studios' respective aces, the Star Trek box set and The Matrix Trilogy, appear in HD DVD first. Once again, tables may turn when the $600 Blu-ray-equipped PlayStation 3 launches this November, but for the moment, Samsung's Blu-ray player costs twice as much as Toshiba's HD DVD player, and just isn't twice as good...