Word: professor
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...need insurance for. We need insurance to protect against risks we can't predict (when the market collapses) and can't afford to recover from on our own. "People tend to meld savings and insurance in their mind, but they are not substitutes," says Nancy Altman, a former Harvard professor and the author of The Battle for Social Security. "It's fine to have a savings plan as a supplement but not as the main retirement protection for everyone." She says the best way to guarantee a replacement for people's wages in retirement is by pooling risk...
...Altman is not alone. Teresa Ghilarducci, an economics professor at the New School, has proposed a plan in which the government would divert 5% of everyone's wages. In return, you would be guaranteed in retirement a check for 26% of your final salary every year until you died. Altman would also like to expand Social Security to pay an additional 20% of workers' final pay. It's unlikely Congress would go for that at the moment...
...Cells cleverly separate the most active genes into their own special neighborhood, to make it easier for proteins and other regulators to reach them,” said Job Dekker, a senior author of the paper and associate professor at UMass Medical School...
According to Lars E. Hernquist, professor of astrophysics and another co-researcher, D’Onghia’s findings are important because they uncover specific properties about the formation of galaxies. With her findings, astronomers have another clue as to how galaxies interacted in the younger universe. He explained that this information can help eventually explain how lighter galaxies, such as the Milky Way, were formed...
...funding for them to be taught in any number of different schools or programs - there is no one pedagogical philosophy that links its teachers other than a military, mission-oriented mind-set. But that common background has translated into effective instruction and classroom management, according to William Owings, a professor of educational leadership at Old Dominion University who has worked on two studies of the program. "Principals and other supervisors have reported that these teachers worked better with problem children, worked better with parents and worked better with colleagues," he says. On the basis of administrators' observations, "the TTT people...