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...enough education to adequately prepare Americans for financial life. A better solution, these critics contend, is to reform the system. "What works is creating institutions that make it easy to do the right thing," says David Laibson, a Harvard economics professor who, like Mandell, has decided after years of research that education isn't a silver bullet. One idea being discussed in Washington is the automatic IRA. Employers would have to enroll each worker in a personal retirement-savings account unless that worker decided to opt out. (See pictures of a diverse group of American teens...
...little speculative," says Michael Sherraden, a professor at Washington University in St. Louis who is conducting a seven-year, randomized, controlled study on whether giving children bank accounts inculcates the habit of saving - a program already being tried on a large scale in the U.K. Yes, good, solid research like this takes a lot of time and resources. But if what we're doing right now isn't working, it's in our own best interest to figure out what does...
...bold strategy and one that has never been tried before in the AIDS field, but Ho is willing to stake his reputation and that of his nearly 20-year-old facility, the Aaron Diamond AIDS Research Center (ADARC) in New York City, on his hunch. So is the Bill & Melinda Gates Foundation, which has steered nearly $7 million his way to pursue the theory. Ho has redirected more than half of his lab to the project, and the results so far have reignited his passion for discovery; he's now back at the lab bench overseeing experiments...
...authors emphasize that they are not making an actual forecast. Their study is more of a thought experiment that includes a long list of necessary oversimplifications. "We're not projecting changes in population, property values, building codes or zoning regulations," says lead author Ross Hoffman of Atmospheric and Environmental Research Inc., a private firm that does climate and ocean modeling, among other things, for companies and government agencies. "We're simply asking, If nothing else changed but sea level, what would the effect be on property damage...
...Crude palm oil from Malaysia, which produces 45% of the global supply, is one commodity for which China has a vast appetite, yet cannot produce, according to research analyst Mark Matthews of Macquarie Securities. Low-grade electronics manufacturers in Thailand and Malaysia also stand to be beneficiaries. "These two markets are well positioned to take China's place at the lower end of the production network," says HSBC's Wong. (See the best pictures of the week...