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      <title>ECON Project with prof. Larisa Ray: Fall 2018 Macroeconomics W 6:30 by Larisa Ray</title>
      <link>https://padlet.com/lray8/dwj9zaayf5h</link>
      <description>One of the most important goals of teaching economics is to teach students to THINK how to deal with real world economic problems. Despite the fact that there is no universal definition of critical thinking, we can use a statement of Michael Scriven &amp; Richard Paul (1987) and identify this as an intellectually disciplined process of actively and skillfully conceptualizing, applying, analyzing, synthesizing, and/or evaluating information gathered from, or generated by, observation, experience, reflection, reasoning, or communication, as a guide to belief and action. 
We believed that critical thinking involves identifying, analyzing, synthesizing, and evaluating information to yield actionable knowledge to make effective decisions (Argyris, 1996; Giancarlo &amp; Facione, 2001; Liuetal., 2011; Scriven &amp; Paul, 2005). 

The development of critical thinking skills in economics class, with a specific focus on collaborative learning (ECON Project)  designed to increase student communication, engagement, and collaboration.


</description>
      <language>en-us</language>
      <pubDate>2018-08-18 19:29:45 UTC</pubDate>
      <lastBuildDate>2026-01-04 20:18:16 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
      <image>
         <url></url>
      </image>
      <item>
         <title>Will the introduction of self driving cars increase overpopulation? </title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/277353870</link>
         <description><![CDATA[<div>The economic problem: Overpopulation is one of main economic problems. Overpopulation is caused by number of factors. Reduced mortality rate because of the introduction of self driving cars could increase overpopulation.<br><br></div><div><strong>The hypothesis:<br></strong><br></div><div>Self-driving vehicles may increase overpopulation problem if there are fewer accidents and fewer fatalities.<br><br></div>]]></description>
         <enclosure url="https://economics102.wordpress.com/2018/03/16/self-driving-cars-promises-and-some-problems/" />
         <pubDate>2018-09-03 19:31:13 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/277353870</guid>
      </item>
      <item>
         <title>North Korea: Will The Country’s Reintegration Into The International Economy Benefit World Economy?</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/278620490</link>
         <description><![CDATA[<div><strong>The hypothesis: </strong><br>If allow private farming and the private ownership, then North Korea's agricultural sector will become more productive, North Korea's GDP will increase, and world economy will be benefited.</div>]]></description>
         <enclosure url="https://www.ncnk.org/resources/briefing-papers/all-briefing-papers/special-report-north-koreas-shackled-economy-2018" />
         <pubDate>2018-09-06 19:20:58 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/278620490</guid>
      </item>
      <item>
         <title>Is Growth Desirable?</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/281556960</link>
         <description><![CDATA[<div>&nbsp;A banner economic report on Friday showed the strongest quarterly growth in the U.S. since 2014. The U.S. gross domestic product grew by 4.1 percent in the second quarter this year, according to the Commerce Department's initial estimates.<br>1. Watch the video: What the strong economic growth means..<br>2. Draw the graph to illustrate an economic growth in the US economy.<br>&nbsp;3. Formulate an economic prediction: "If real GDP growth rate is____, then the next phase of a business cycle will be _____". <br>4. Make a post in Padlet.<br><br></div>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=H_yUZ_gV0EY" />
         <pubDate>2018-09-14 23:14:20 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/281556960</guid>
      </item>
      <item>
         <title>What Is Human Capital Theory?</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/281690285</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=M_5NcLazCwQ" />
         <pubDate>2018-09-15 14:40:45 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/281690285</guid>
      </item>
      <item>
         <title>Correlation between Government Spending on Education and Increased Economic Growth:How Would this be Accomplished?</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/281690338</link>
         <description><![CDATA[<div><br></div><div><strong>Hypothesis:<br></strong>If government spending on education increases, then the economy will be able to grow and increase GDP.<br><br></div>]]></description>
         <enclosure url="https://owlcation.com/social-sciences/ROLE-OF-HUMAN-CAPITAL-IN-ECONOMIC-DEVELOPMENT" />
         <pubDate>2018-09-15 14:40:54 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/281690338</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/282588873</link>
         <description><![CDATA[<div><strong>Hypothesis:</strong> Reasons why there is still a rising  level of poverty in America regardless of the acclaimed economic growth.<br><br></div>]]></description>
         <enclosure url="https://www.nytimes.com/2018/09/12/us/politics/median-us-household-income-increased-in-2017.html" />
         <pubDate>2018-09-17 20:05:38 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/282588873</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/282589811</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.nytimes.com/2018/09/13/us/politics/poverty-rate-census-bureau.html" />
         <pubDate>2018-09-17 20:07:47 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/282589811</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/282590970</link>
         <description><![CDATA[<div> What does an economy run under socialism look like?</div><div> Whether or not an economy can thrive or not under a socialist government. Also, what does economy run under socialism look like from all aspects such as utility, scarcity, production and consumption. </div>]]></description>
         <enclosure url="https://www.nytimes.com/2018/08/26/opinion/capitalism-socialism-and-unfreedom.html" />
         <pubDate>2018-09-17 20:10:46 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/282590970</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/282592133</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.nytimes.com/2018/08/10/opinion/letters/socialism-capitalism.html" />
         <pubDate>2018-09-17 20:13:57 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/282592133</guid>
      </item>
      <item>
         <title>Sandra Amezquita                 Will the introduction of kiosks help cut labor costs?</title>
         <author></author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/282950300</link>
         <description><![CDATA[<div>Hypothesis:<br>Kiosks may increase unemployment rates while cutting labor costs</div>]]></description>
         <enclosure url="https://www.forbes.com/sites/edrensi/2018/07/11/mcdonalds-says-goodbye-cashiers-hello-kiosks/#46052ca66f14" />
         <pubDate>2018-09-18 14:52:05 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/282950300</guid>
      </item>
      <item>
         <title>Ireida Amezquita                 Does not having a higher education affect your pay?</title>
         <author></author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/282951553</link>
         <description><![CDATA[<div>Almost anyone can find a job, but the question is, will it pay enough to live off of?<br><strong>Hypothesis</strong>: If higher education decreases , then poverty levels may increase. </div>]]></description>
         <enclosure url="https://poverty.ucdavis.edu/faq/how-does-level-education-relate-poverty" />
         <pubDate>2018-09-18 14:53:26 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/282951553</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/283645243</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.thebalance.com/china-economy-facts-effect-on-us-economy-3306345" />
         <pubDate>2018-09-19 20:36:25 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/283645243</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/283645471</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.thebalance.com/the-u-s-debt-and-how-it-got-so-big-3305778" />
         <pubDate>2018-09-19 20:37:13 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/283645471</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/283645679</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.thebalance.com/russian-economy-3306352" />
         <pubDate>2018-09-19 20:37:53 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/283645679</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/283647283</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.forbes.com/sites/joshbersin/2018/07/03/the-ugly-side-to-todays-low-unemployment-rate/#5171c0d03e99" />
         <pubDate>2018-09-19 20:43:16 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/283647283</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/283648836</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.npr.org/2018/09/17/648845578/trump-sets-tariffs-on-200-billion-in-imports-from-china" />
         <pubDate>2018-09-19 20:49:41 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/283648836</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/283649196</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.cnbc.com/2018/09/17/stock-futures-drop-in-after-hours-following-new-us-tariffs-on-china.html" />
         <pubDate>2018-09-19 20:51:15 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/283649196</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/283650324</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.brookings.edu/research/how-artificial-intelligence-is-transforming-the-world/" />
         <pubDate>2018-09-19 20:55:53 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/283650324</guid>
      </item>
      <item>
         <title>Hailey</title>
         <author></author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/283658152</link>
         <description><![CDATA[<div>If technology within businesses continues to advance, unemployment will rise.<br>To many, technological advancement is seen as a positive economic factor that can only help the economy and increase production. However, it seems that as technological advance increases, so does the amount of technology replacing humans in the workforce. David Autor, an MIT Economist, claims "we're losing higher-skill, better paying jobs to machines" (Arnold). A few jobs that, according to David Autor, are being taken include "bank tellers, airline check-in agents, [and] accountants..." (Arnold). An example of this human replacement can even be witnessed at the local Target or Walmart. As customers line up at the convenient self-checkout machines, there is less of a need for cashier lines to remain open. In other words, these machines are replacing the jobs of  human cashiers. Therefore, I believe that as technological advancement within businesses increases, unemployment will rise</div>]]></description>
         <enclosure url="https://www.npr.org/2011/11/03/141949820/how-technology-is-eliminating-higher-skill-jobs" />
         <pubDate>2018-09-19 21:31:16 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/283658152</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/283920912</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.mcafee.com/enterprise/en-us/assets/reports/restricted/rp-economic-impact-cybercrime.pdf?utm_source=Press&amp;utm_campaign=bb9303ae70-EMAIL_CAMPAIGN_2018_02_21&amp;utm_medium=email" />
         <pubDate>2018-09-20 14:06:18 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/283920912</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/283927463</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.forbes.com/sites/edrensi/2018/07/11/mcdonalds-says-goodbye-cashiers-hello-kiosks/#68b2eb0f6f14" />
         <pubDate>2018-09-20 14:13:01 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/283927463</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/283933607</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.nytimes.com/2017/01/12/technology/robots-will-take-jobs-but-not-as-fast-as-some-fear-new-report-says.html" />
         <pubDate>2018-09-20 14:19:40 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/283933607</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/283935116</link>
         <description><![CDATA[<div><strong>Hypothesis</strong>: With the rise of artificial intelligence and autonomation, GDP will increase exponentially, but quality of life will not keep up with increase in GDP.</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-09-20 14:21:28 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/283935116</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/283937693</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.census.gov/topics/income-poverty/poverty/guidance/poverty-measures.html" />
         <pubDate>2018-09-20 14:25:09 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/283937693</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/283941211</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.nytimes.com/2018/03/13/dining/fruit-vegetables-imports.html" />
         <pubDate>2018-09-20 14:29:40 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/283941211</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/285697201</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.washingtonpost.com/news/posteverything/wp/2018/03/19/the-unemployment-rate-is-low-it-should-be-even-lower/?utm_term=.94c31fd00677" />
         <pubDate>2018-09-25 17:46:46 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/285697201</guid>
      </item>
      <item>
         <title>Active Learning: Unemployment Rate </title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/285713590</link>
         <description><![CDATA[<div><br></div><div><strong>The U.S. economy added an estimated 313,000 jobs in February 2018, keeping the unemployment rate at 4.1 percent, where it’s held steady for the past five months</strong></div><div><br></div><div><strong>1.</strong>     <strong>What is the idea of full employment? What is the natural rate of unemployment? </strong></div><div><strong>2.</strong>     <strong>Why are economists wrong about full employment?</strong></div><div><strong>3.</strong>     <strong>What is a good unemployment rate for the US economy? <br></strong><br></div>]]></description>
         <enclosure url="https://www.washingtonpost.com/news/posteverything/wp/2018/03/19/the-unemployment-rate-is-low-it-should-be-even-lower/?utm_term=.94c31fd00677" />
         <pubDate>2018-09-25 18:13:30 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/285713590</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/285714164</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.forbes.com/sites/joshbersin/2018/07/03/the-ugly-side-to-todays-low-unemployment-rate/#37d380b23e99" />
         <pubDate>2018-09-25 18:14:33 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/285714164</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/286266023</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.weforum.org/agenda/2018/09/is-there-a-new-debt-crisis-on-the-horizon/" />
         <pubDate>2018-09-26 20:59:19 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/286266023</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/286267433</link>
         <description><![CDATA[]]></description>
         <enclosure url="http://www.visualcapitalist.com/massive-world-map-redrawn-based-country-populations/" />
         <pubDate>2018-09-26 21:04:50 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/286267433</guid>
      </item>
      <item>
         <title>National Debt</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/288878494</link>
         <description><![CDATA[<div>The biggest US economic problem would undoubtedly have to be the national debt. As of now the United States national debt stands at a whopping $20.6 trillion dollars. China owns $1.2 trillion dollars of the U.S. debt with Japan trailing as a close second with $1.1 trillion dollars and Ireland comes in third holding 329 billion. The biggest issue with this debt is that it only seems to be growing and the government is not doing much to pay it back. In 1989 the U.S national debt was at $2.7 trillion. In 2008 it increased to $10 trillion. In 2010 it grew to $16 trillion. Over this thirty year span the numbers keep getting bigger and bigger. There are ways to help reduce the debt such as cutting spending, raising taxes, or driving economic growth at a faster rate</div>]]></description>
         <enclosure url="https://www.thebalance.com/who-owns-the-u-s-national-debt-3306124" />
         <pubDate>2018-10-03 20:18:16 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/288878494</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/288882238</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.bbc.com/news/business-44529600" />
         <pubDate>2018-10-03 20:27:33 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/288882238</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/288883503</link>
         <description><![CDATA[<div>China’s largest trading partner. China owns more than $1 trillion of U.S. government bonds. Which some worry gives Beijing influence over the U.S, economy. The overall trade deficit reflects the fact that the U.S. spends more than its produces, requiring U.S, to obtain the difference through net imports. But if China sold U.S. bonds in bulk, it would hurt China, because that would reduce the value of an asset China holds a lot of, and it would have to switch to other less liquid foreign bonds markets. Lowering the value of the yuan would help exports by making Chinese goods cheaper for other countries to import. Consumer spending drives 70 percent of the economy of U.S. corporate experience in the domestic market create a competitive advantage in the global market.&nbsp;</div>]]></description>
         <enclosure url="https://www.nytimes.com/2018/09/17/us/politics/trump-china-tariffs-trade.html" />
         <pubDate>2018-10-03 20:31:26 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/288883503</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/288885423</link>
         <description><![CDATA[<div>If Walmart sets its minimum wage at $5 an hour and no one applies, Walmart will raise its hourly wage. With a forced minimum wage of $15 for example, Walmart may only hire one person instead of two at $7.50. This can lead to less jobs and higher prices at Walmart. Raising minimum wage at some point will lead to inflation and slower job creation. The United States does not benefit from having poor workers, but raising the minimum wage is not going to fix that problem. The purpose of minimum wages are to increase business profit, increase employee wages, increase business efficiency, and to make workers more inclined to do legal work. Business profit is increased because what would be very low waged frivolous jobs are outsourced. Employee wages are increased because corporations cannot save as much money and are instead forced to pay employees more. Business become more efficient because of higher labor costs. Finally workers are more inclined to legal work when it pays more. That's the purpose of minimum wage, not to decrease poverty levels. Therefore unnecessarily raising minimum wage will lead to lost jobs, higher prices, and fewer hours of work for employees.</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-10-03 20:37:43 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/288885423</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/288888644</link>
         <description><![CDATA[<div>&nbsp; &nbsp; &nbsp;A rising economic issue is minimum wage. People are either for or against raising the minimum wage. Some good things that could come with this is that peoples lively hood would be increased which increases the satisfaction of the workers. But for the pay that the one person would be getting you could actually hire two workers. So amount of jobs would decrease. Over all minimum wage jobs are for experience and not for providing for your family.</div>]]></description>
         <enclosure url="https://www.washingtonpost.com/news/wonk/wp/2017/12/29/the-u-s-has-one-of-the-stingiest-minimum-wage-policies-of-any-wealthy-nation/?noredirect=on&amp;utm_term=.086cfc7bb42b" />
         <pubDate>2018-10-03 20:48:17 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/288888644</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/288890019</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.thebalance.com/the-u-s-debt-and-how-it-got-so-big-3305778" />
         <pubDate>2018-10-03 20:52:55 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/288890019</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/288890218</link>
         <description><![CDATA[<div>The biggest economic problem for the U.S. economy is debt. I believe debt is the biggest economic problem for the US because it effects the economy and people as a whole. The U.S. debt is greater than what the U.S. produces in a whole year. The U.S. debt also effects greatly the younger people of this generation and if we do not attempt to lower the debt now, we will receive greater consequences in the future. These consequences can lead to our retirement plans, minimum wage issues, and also government spending issues such as our medical insurance, taxes, and etc. There are also two types of debt the good and the bad, and what the U.S. is experiencing right now is the bad debt. The U.S. is currently is debt of $21 trillion dollars as of March 15, 2018 and it is only rising from there based on the U.S. Nation Debt Clock.&nbsp;</div>]]></description>
         <enclosure url="https://www.thebalance.com/the-u-s-debt-and-how-it-got-so-big-3305778" />
         <pubDate>2018-10-03 20:53:37 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/288890218</guid>
      </item>
      <item>
         <title> Banking, Investing and Saving</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/288891267</link>
         <description><![CDATA[<div>Malignant Financial Institutions aka “too-big-to-fail” banks are what . A bank is considered ‘too big to fail’ when its assets and holdings become so large that a shock to said institution would damage the economy as a whole and possibly bring everyone down with it; therefore, the U.S. government whether prudent or not, must bail out these banks to protect the economy, all at the expense of the tax payer. That’s not to say that the banks themselves are bad, simply that they are using money that doesn’t belong to them. In 1933 the Glass-Steagal Act was passed that separated banks into two categories (a single bank could split their assets in two, thus achieving the same goal), the first being commercial and the second being investment. Commercial banks are used for individuals looking to simply save up money and build a retirement or emergency nest egg, as well as for small businesses. Investment banks are for large corporations that need much larger investments as well as for Wall Street stock investments. In 1999, this Act was repealed and allowed for banks to use their customers saving accounts for investments on the stock exchange. It has been argued that such instability led to the Financial Crisis of 2008, but that is not the content of this paper. This is simply to highlight the gross misuse of individual saving accounts for the greed and gain of bankers at the expense of the people they claim to work for.&nbsp;<br>To solve this Economic Problem I would propose the reinstatement of the Glass-Steagal Act of 1933 to build a firm barrier between the two aspects of banking, investing and saving...</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-10-03 20:57:29 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/288891267</guid>
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      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/305563798</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=rD7KNVzkLPw" />
         <pubDate>2018-11-17 17:17:09 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/305563798</guid>
      </item>
      <item>
         <title>Inequality</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/305569778</link>
         <description><![CDATA[<div>Infographics on the distribution of wealth in America, highlighting both the inequality and the difference between our perception of inequality and the actual numbers. The reality is often not what we think it is.</div>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=QPKKQnijnsM" />
         <pubDate>2018-11-17 17:56:43 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/305569778</guid>
      </item>
      <item>
         <title>What is economic inequality?</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/305569871</link>
         <description><![CDATA[<div>Economic inequality is the unequal distribution of income and opportunity between different groups in society. It is a concern in almost all countries around the world and often people are trapped in poverty with little chance to climb up the social ladder. But, being born into poverty does not automatically mean you stay poor. Education, at all levels, enhancing skills, and training policies can be used alongside social assistance programs to help people out of poverty and to reduce inequality. </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-11-17 17:57:45 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/305569871</guid>
      </item>
      <item>
         <title>Why do we have to pay sales tax on a used car?</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/305569910</link>
         <description><![CDATA[<div>Consider an example. When you buy a used car from a dealer, they are going to charge you sales tax on the sale of the car. “If you purchase something and do not pay sales tax, you are supposed to report it to your state and pay use tax. Of course, most people don't do this, but that does not make tax go away. Cars are generally more "formalized" transactions involving state registrations, so it is an opportunity for your state to enforce the tax on you, a tax you genuinely owe. "<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2018-11-17 17:58:10 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/305569910</guid>
      </item>
      <item>
         <title>What are inheritance taxes? </title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/305569930</link>
         <description><![CDATA[<div>The tax rates on inheritances can be as low as 1 percent or as high as 20 percent of the value of property and cash you inherit. Inheritance should not be taxed because the owner already payed tax for that.<br>Most people won't have to deal with <em>federal</em> estate taxes, which in 2015 is triggered when an estate has more than $5.43 million of assets.</div><div>"But the bar for <em>state</em> estate taxes be can much lower," says A. Timo Lipping, a CFP in New York City, who <a href="https://www.hsh.com/first-time-homebuyer/">specializes in estate planning.</a></div><div>"Where the person you are inheriting from lived can make a big difference in how much you actually get to inherit," he explains.</div><div>For instance, taxes in Massachusetts and Oregon are levied on estates worth more than $1 million. Meanwhile, New Jersey taxes estates valued at more than $675,000 and residents are also subject to an inheritance tax with a marginal rate up to 16 percent, Lipping adds.</div><div><br> Do you agree? Explain. <br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2018-11-17 17:58:29 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/305569930</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306101597</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.thenation.com/article/breaking-banks-easier-might-think/" />
         <pubDate>2018-11-19 20:02:38 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306101597</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306101999</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.forbes.com/sites/timworstall/2016/04/10/if-bernie-sanders-wants-to-break-up-the-big-banks-why-not-do-it-the-simple-way-that-works/#428203b47b91" />
         <pubDate>2018-11-19 20:03:51 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306101999</guid>
      </item>
      <item>
         <title>Technology and Unemployment</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306102423</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/145773260/8f075cf083a9ca28347832acfd1df4f2/Final_Project_EssayTechnology_and_Unemployment.docx" />
         <pubDate>2018-11-19 20:05:08 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306102423</guid>
      </item>
      <item>
         <title>President Trump’s Policies Regarding Raising the Standard of Living for the Poor in the U.S.</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306102615</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/145773260/295cc83d68b3befe4f5b21c499cff1a4/Final_Research_paper_Macro_Econ_President_Trump_s_Policies_Regarding_Raising.docx" />
         <pubDate>2018-11-19 20:05:42 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306102615</guid>
      </item>
      <item>
         <title>Gender Pay Gap</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306102898</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/145773260/ddcff7ba62e0448bf793a0e21afaf094/Research_Essay___MacroeconomicsGender_Pay_Gap.docx" />
         <pubDate>2018-11-19 20:06:35 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306102898</guid>
      </item>
      <item>
         <title>HAVING A HIGHER/LOWER EDUCATION AFFECTS HIGHER/LOWER INCOME</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306103364</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/145773260/1a8e7c2a0752128fd0365396d8d32dd6/research_essayHAVING_A_HIGHERLOWER_EDUCATION_AFFECTS_HIGHERLOWER_INCOME.docx" />
         <pubDate>2018-11-19 20:07:57 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306103364</guid>
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      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306103877</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.nytimes.com/2015/04/22/upshot/why-workers-without-much-education-are-being-hammered.html" />
         <pubDate>2018-11-19 20:09:26 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306103877</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306104209</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.dosomething.org/us/facts/11-facts-about-education-and-poverty-america" />
         <pubDate>2018-11-19 20:10:27 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306104209</guid>
      </item>
      <item>
         <title>The Beneficial Proliferation of Technology</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306104694</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/145773260/19f2a2d1d0d7d66808a548f6917542e8/Research_ProjectThe_Beneficial_Proliferation_of_Technology.docx" />
         <pubDate>2018-11-19 20:11:30 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306104694</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306178681</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.bloomberg.com/news/articles/2018-11-19/corporate-america-s-debt-boom-looks-like-a-bust-for-the-economy" />
         <pubDate>2018-11-20 02:23:05 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306178681</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306178827</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.usatoday.com/story/news/politics/2018/10/16/government-spending-how-rising-federal-debt-deficit-impact-americans/1589889002/" />
         <pubDate>2018-11-20 02:24:25 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306178827</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306179225</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.marketplace.org/2018/10/16/economy/economics-vs-politics-how-much-us-debt-too-much" />
         <pubDate>2018-11-20 02:27:35 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306179225</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306179328</link>
         <description><![CDATA[]]></description>
         <enclosure url="http://www.usdebtclock.org/" />
         <pubDate>2018-11-20 02:28:31 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306179328</guid>
      </item>
      <item>
         <title>The US Poverty Crisis (Research Project)</title>
         <author>jjericrodney</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306185970</link>
         <description><![CDATA[<div>40 million Americans living in poverty. 1% considered to be the rich and the rest 99% sharing what is left of the economy. Did you know that the US has the highest growing poverty rates in the rich world?This could be a crisis of income inequality as the gap between the rich and the poor grows bigger even as poverty levels slightly fall.</div>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=5pUhViiNtxg" />
         <pubDate>2018-11-20 03:21:18 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306185970</guid>
      </item>
      <item>
         <title>The growth of industrialization and urbanization is also in part responsible for the rising poverty rates.</title>
         <author>jjericrodney</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306187242</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=ly718xGmeBk" />
         <pubDate>2018-11-20 03:30:58 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306187242</guid>
      </item>
      <item>
         <title>Technology and Unemployment</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306530542</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/145773260/4f8f666a036fe5d0aa1923c46563208d/final_paper_1_Technology_and_Unemployment.docx" />
         <pubDate>2018-11-20 20:43:02 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306530542</guid>
      </item>
      <item>
         <title>The US Poverty Crisis </title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306531463</link>
         <description><![CDATA[]]></description>
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         <pubDate>2018-11-20 20:46:19 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306531463</guid>
      </item>
      <item>
         <title>Cost of Education</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306531950</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/145773260/605d6dcc087b0fbb715bad6f67e64695/Final_Paper_2__Cost_of_Education.docx" />
         <pubDate>2018-11-20 20:48:02 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306531950</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306532404</link>
         <description><![CDATA[]]></description>
         <enclosure url="http://home.bt.com/tech-gadgets/future-tech/9-jobs-overtaken-by-robots-11364003046052" />
         <pubDate>2018-11-20 20:49:48 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306532404</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306532658</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://qz.com/908509/the-biggest-economic-issue-of-the-future/" />
         <pubDate>2018-11-20 20:50:40 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306532658</guid>
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      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/306533388</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=5pUhViiNtxg" />
         <pubDate>2018-11-20 20:53:30 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/306533388</guid>
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      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/307533640</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.bing.com/videos/search?q=student+loan+video&amp;view=detail&amp;mid=B4991B3848092C0B1EAFB4991B3848092C0B1EAF&amp;FORM=VIRE" />
         <pubDate>2018-11-25 17:20:53 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/307533640</guid>
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      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/307533706</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.bing.com/videos/search?q=student+loan+video&amp;view=detail&amp;mid=B4991B3848092C0B1EAFB4991B3848092C0B1EAF&amp;FORM=VIRE" />
         <pubDate>2018-11-25 17:21:18 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/307533706</guid>
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      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/307536911</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.youtube.com/watch?v=Iwa3vLoeNmQ" />
         <pubDate>2018-11-25 17:42:29 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/307536911</guid>
      </item>
      <item>
         <title></title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/307537096</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://video.foxnews.com/v/5801680101001/?#sp=show-clips" />
         <pubDate>2018-11-25 17:43:10 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/307537096</guid>
      </item>
      <item>
         <title>Student Loan Debt</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/307538423</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/145773260/5926a531776da782f5ef1d91574f56d5/Presentation_Student_Loan.pdf" />
         <pubDate>2018-11-25 17:51:04 UTC</pubDate>
         <guid>https://padlet.com/lray8/dwj9zaayf5h/wish/307538423</guid>
      </item>
      <item>
         <title>GARY SHILLING: Tech innovation will drive economic growth</title>
         <author>lray8</author>
         <link>https://padlet.com/lray8/dwj9zaayf5h/wish/308469851</link>
         <description><![CDATA[]]></description>
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         <pubDate>2018-11-27 18:59:39 UTC</pubDate>
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