DC: Young people coming out of college, if you can’t pay your credit card every month, cut it up. The higher interest rates can put you in hugely stressful, costly situations.
Per Bloomberg: But while the US economy has avoided a recession and unemployment has remained low, pic.twitter.com/bSWLZi1KJd
— Daniel Christian (he/him/his) (@dchristian5) March 16, 2024
…that doesn’t mean everyone is having an easy time of it. Some Americans feel increasingly pressured by the surge in the cost of carrying their debt. Delinquency rates on their credit card debt and auto loans are now at the highest in more than a decade.
Just a serious note of caution for you and for your future families.
And speaking of youth and personal finances — and seeing as it’s tax time — also see:
Deductions reduce the amount of your taxable income. In general, individuals not in a trade or business or an activity for profit, may take a standard deduction or itemize their deductions.
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You should itemize deductions on Schedule A (Form 1040), Itemized Deductions if the total amount of your allowable itemized deductions is greater than your standard deduction or if you must itemize deductions because you can’t use the standard deduction. You may also want to itemize deductions if your standard deduction is limited because another taxpayer claims you as a dependent. Itemized deductions, subject to certain dollar limitations, include amounts you paid, during the taxable year, for state and local income or sales taxes, real property taxes, personal property taxes, mortgage interest, disaster losses, gifts to charities, and part of the amount you paid for medical and dental expenses.
Outside of practicing their learning, there are many challenges to creating and delivering meaningful workplace L&D programs. Participants are busy and may struggle to free up even an hour or two on their calendars. Training could be delivered in the wrong format or at the wrong time. After they attend the training, they may not have an opportunity to apply what they have learned. This can lead to some participants not perceiving training as time well spent. As L&D professionals, our job is to create learning experiences that are meaningful and relevant to people’s day-to-day work.
Adults learn best when training is delivered when it is most relevant to their work, and they can apply what they have learned right away. They must be able to connect what they are learning with the work they are doing and the overarching goals and strategies of the organization.
One possible solution is to implement a microlearning strategy into workplace learning programs. In this article, I will discuss reasons why microlearning can be an effective tool in the L&D toolkit, things to think about when creating a microlearning strategy, cost-effective technology solutions to leverage and ideas to help your microlearning strategy feel exciting and engaging for your participants.
Vast swaths of the United States are at risk of running short of power as electricity-hungry data centers and clean-technology factories proliferate around the country, leaving utilities and regulators grasping for credible plans to expand the nation’s creaking power grid.
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A major factor behind the skyrocketing demand is the rapid innovation in artificial intelligence, which is driving the construction of large warehouses of computing infrastructure that require exponentially more power than traditional data centers. AI is also part of a huge scale-up of cloud computing. Tech firms like Amazon, Apple, Google, Meta and Microsoft are scouring the nation for sites for new data centers, and many lesser-known firms are also on the hunt.
The Obscene Energy Demands of A.I.— from newyorker.com by Elizabeth Kolbert How can the world reach net zero if it keeps inventing new ways to consume energy?
“There’s a fundamental mismatch between this technology and environmental sustainability,” de Vries said. Recently, the world’s most prominent A.I. cheerleader, Sam Altman, the C.E.O. of OpenAI, voiced similar concerns, albeit with a different spin. “I think we still don’t appreciate the energy needs of this technology,” Altman said at a public appearance in Davos. He didn’t see how these needs could be met, he went on, “without a breakthrough.” He added, “We need fusion or we need, like, radically cheaper solar plus storage, or something, at massive scale—like, a scale that no one is really planning for.”
A generative AI reset: Rewiring to turn potential into value in 2024 — from mckinsey.com by Eric Lamarre, Alex Singla, Alexander Sukharevsky, and Rodney Zemmel; via Philippa Hardman The generative AI payoff may only come when companies do deeper organizational surgery on their business.
Figure out where gen AI copilots can give you a real competitive advantage
Upskill the talent you have but be clear about the gen-AI-specific skills you need
Form a centralized team to establish standards that enable responsible scaling
Set up the technology architecture to scale
Ensure data quality and focus on unstructured data to fuel your models
Build trust and reusability to drive adoption and scale
Since ChatGPT dropped in the fall of 2022, everyone and their donkey has tried their hand at prompt engineering—finding a clever way to phrase your query to a large language model (LLM) or AI art or video generator to get the best results or sidestep protections. The Internet is replete with prompt-engineering guides, cheat sheets, and advice threads to help you get the most out of an LLM.
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However, new research suggests that prompt engineering is best done by the model itself, and not by a human engineer. This has cast doubt on prompt engineering’s future—and increased suspicions that a fair portion of prompt-engineering jobs may be a passing fad, at least as the field is currently imagined.
There is one very clear parallel between the digital spreadsheet and generative AI: both are computer apps that collapse time. A task that might have taken hours or days can suddenly be completed in seconds. So accept for a moment the premise that the digital spreadsheet has something to teach us about generative AI. What lessons should we absorb?
It’s that pace of change that gives me pause. Ethan Mollick, author of the forthcoming book Co-Intelligence, tells me “if progress on generative AI stops now, the spreadsheet is not a bad analogy”. We’d get some dramatic shifts in the workplace, a technology that broadly empowers workers and creates good new jobs, and everything would be fine. But is it going to stop any time soon? Mollick doubts that, and so do I.
At this moment, as a college student trying to navigate the messy, fast-developing, and varied world of generative AI, I feel more confused than ever. I think most of us can share that feeling. There’s no roadmap on how to use AI in education, and there aren’t the typical years of proof to show something works. However, this promising new tool is sitting in front of us, and we would be foolish to not use it or talk about it.
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I’ve used it to help me understand sample code I was viewing, rather than mindlessly trying to copy what I was trying to learn from. I’ve also used it to help prepare for a debate, practicing making counterarguments to the points it came up with.
AI alone cannot teach something; there needs to be critical interaction with the responses we are given. However, this is something that is true of any form of education. I could sit in a lecture for hours a week, but if I don’t do the homework or critically engage with the material, I don’t expect to learn anything.
Survey: K-12 Students Want More Guidance on Using AI — from govtech.com by Lauraine Langreo Research from the nonprofit National 4-H Council found that most 9- to 17-year-olds have an idea of what AI is and what it can do, but most would like help from adults in learning how to use different AI tools.
“Preparing young people for the workforce of the future means ensuring that they have a solid understanding of these new technologies that are reshaping our world,” Jill Bramble, the president and CEO of the National 4-H Council, said in a press release.
As Sarah mentioned to me, this article includes a comparison of some of the benefits and challenges of a nursing career, tips on choosing an accessible nursing school, and examines different nursing career paths, their demands, and accommodations available. It also includes practical advice on job interviews, disclosing disabilities to employers, and understanding legal protections.
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The need for caring and skilled nurses is higher than ever. For people with disabilities, getting into nursing might seem like a tough road with a lot of unknowns. Luckily, it isn’t just doable, people with different abilities can find the career extremely fulfilling. Plenty of opportunities and resources exist for those who want to make a mark in healthcare, no matter the challenges they might face.
Some recruiters and hiring managers have reported that job seekers’ use of AI has caused floods of applications to come in with formulaic versions of resumes and cover letters all seemingly produced by chatbots, she said.
So, if you’re looking for your next role, here are some tips for engaging in an AI-powered job search that will get you noticed by employers in the right way.
How Learning Happens — from edutopia.org In this series, we explore how educators can guide all students, regardless of their developmental starting points, to become productive and engaged learners.
These techniques have resonated with educators everywhere: They are focused on taking advantage of the incredible opportunity to help children reach their full potential by creating positive relationships, experiences, and environments in which every student can thrive. In fact, the science is beginning to hint at even more dramatic outcomes. Practices explicitly designed to integrate social, emotional, and cognitive skills in the classroom, the research suggests, can reverse the damages wrought by childhood trauma and stress—while serving the needs of all students and moving them onto a positive developmental and academic path.
Also from edutopia.org recently, see:
How to Introduce Journaling to Young Children— from edutopia.org by Connie Morris Students in preschool through second grade can benefit from drawing or writing to explore their thoughts and feelings.
The symbiotic relationship between reading and writing can help our youngest students grow their emergent literacy skills. The idea of teaching writing at an early age can seem daunting. However, meeting children where they are developmentally can make a journaling activity become a magical experience—and they don’t have to write words but can convey thoughts in pictures.
7 Digital Tools That Help Bring History to Life— from edutopia.org by Daniel Leonard Challenging games, fun projects, and a healthy dose of AI tools round out our top picks for breathing new life into history lessons.
We’ve compiled a list of seven teacher-tested tools, and we lay out how educators are using them both to enhance their lessons and to bring history closer to the present than ever.
Dave told me that he couldn’t have made Borrowing Time without AI—it’s an expensive project that traditional Hollywood studios would never bankroll. But after Dave’s short went viral, major production houses approached him to make it a full-length movie. I think this is an excellent example of how AI is changing the art of filmmaking, and I came out of this interview convinced that we are on the brink of a new creative age.
We dive deep into the world of AI tools for image and video generation, discussing how aspiring filmmakers can use them to validate their ideas, and potentially even secure funding if they get traction. Dave walks me through how he has integrated AI into his movie-making process, and as we talk, we make a short film featuring Nicolas Cage using a haunted roulette ball to resurrect his dead movie career, live on the show.
My colleagues and I at the Center for Excellence in Teaching and Learning (CETL) have been reading and discussing Mary C. Wright’s new book Centers for Teaching and Learning: The New Landscape in Higher Education (Johns Hopkins University Press, 2023). Wright identified all the centers for teaching and learning (CTLs) in the United States and then did a content analysis of their websites to see what they were all about. For someone like me, who has spent his career working in CTLs, Wright’s work is a fascinating look at my own field and how it represents itself through mission statements, listings of programs and services, and annual reports.
Last month, I discussed a GPT that I had created around enhancing prompts. Since then, I have been actively using my Prompt Enhancer GPT to much more effective outputs. Last week, I did a series of mini-talks on generative AI in different parts of higher education (faculty development, human resources, grants, executive leadership, etc) and structured it as “5 tips”. I included a final bonus tip in all of them—a tip that I heard from many afterwards was probably the most useful tip—especially because you can only access the Prompt Enhancer GPT if you are paying for ChatGPT.
Effectively integrating generative AI into higher education requires policy development, cross-functional engagement, ethical principles, risk assessments, collaboration with other institutions, and an exploration of diverse use cases.
Creating Guidelines for the Use of Gen AI Across Campus— from campustechnology.com by Rhea Kelly The University of Kentucky has taken a transdisciplinary approach to developing guidelines and recommendations around generative AI, incorporating input from stakeholders across all areas of the institution. Here, the director of UK’s Center for the Enhancement of Learning and Teaching breaks down the structure and thinking behind that process.
That resulted in a set of instructional guidelines that we released in August of 2023 and updated in December of 2023. We’re also looking at guidelines for researchers at UK, and we’re currently in the process of working with our colleagues in the healthcare enterprise, UK Healthcare, to comb through the additional complexities of this technology in clinical care and to offer guidance and recommendations around those issues.
My experiences match with the results of the above studies. The second study cited above found that 83% of those students who haven’t used AI tools are “not interested in using them,” so it is no surprise that many students have little awareness of their nature. The third study cited above found that, “apart from 12% of students identifying as daily users,” most students’ use cases were “relatively unsophisticated” like summarizing or paraphrasing text.
For those of us in the AI-curious bubble, we need to continually work to stay current, but we also need to recognize that what we take to be “common knowledge” is far from common outside of the bubble.
Despite general familiarity, however, technical knowledge shouldn’t be assumed for district leaders or others in the school community. For instance, it’s critical that any materials related to AI not be written in “techy talk” so they can be clearly understood, said Ann McMullan, project director for the Consortium for School Networking’s EmpowerED Superintendents Initiative.
To that end, CoSN, a nonprofit that promotes technological innovation in K-12, has released an array of AI resources to help superintendents stay ahead of the curve, including a one-page explainer that details definitions and guidelines to keep in mind as schools work with the emerging technology.
SAN JOSE, Calif. – [On 2/20/23], Adobe (Nasdaq:ADBE) introduced AI Assistant in beta, a new generative AI-powered conversational engine in Reader and Acrobat.
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Simply open Reader or Acrobat and start working with the new capabilities, including:
AI Assistant: AI Assistant recommends questions based on a PDF’s content and answers questions about what’s in the document – all through an intuitive conversational interface.
Generative summary: Get a quick understanding of the content inside long documents with short overviews in easy-to-read formats.
Intelligent citations: Adobe’s custom attribution engine and proprietary AI generate citations so customers can easily verify the source of AI Assistant’s answers.
Easy navigation:
Formatted output:
Respect for customer data:
Beyond PDF: Customers can use AI Assistant with all kinds of document formats (Word, PowerPoint, meeting transcripts, etc.)
Essential skills to thrive with Sora AI
The realm of video editing isn’t about cutting and splicing.
A Video Editor should learn a diverse set of skills to earn money, such as:
Prompt Writing
Software Mastery
Problem-solving skills
Collaboration and communication skills
Creative storytelling and visual aesthetics
Invest in those skills that give you a competitive edge.
The text file that runs the internet — from theverge.com by David Pierce For decades, robots.txt governed the behavior of web crawlers. But as unscrupulous AI companies seek out more and more data, the basic social contract of the web is falling apart.
Using AI, the team was able to plow through 32.6 million possible battery materials in 80 hours, a task the team estimates would have taken them 20 years to do.
Four days of seminars, lectures and demonstrations at the 39th annual ABA Techshow boiled down to Saturday morning’s grand finale, where panelists rounded up their favorite tech tips and apps. The underlying theme: artificial intelligence.
“It’s an amazing tool, but it’s kind of scary, so watch out,” said Cynthia Thomas, the Techshow co-chair, and owner of PLMC & Associates, talking about the new tool from OpenAI, Sora, which takes text and turns it into video.
Other panelists during the traditional Techshow closer, “60 sites, 60 tips and gadgets and gizmos,” highlighted a wide of AI-enabled or augmented tools to help users perform a large range of tasks, including quickly sift through user reviews for products, generate content, or keep up-to-date on the latest AI tools. For those looking for a non-AI tips and tools, they also suggested several devices, websites, tips and apps that have helped them with their practice and with life in general.
ABA Techshow 2024 stressed the importance of ethics in legal technology adoption. Ethics lawyer Stuart I. Teicher warned of the potential data breaches and urged attorneys to be proactive in understanding and supervising new tools. Education and oversight are key to maintaining data protection and integrity.
Though it might be more accurate to call TECHSHOW an industry showcase because with each passing year it seems that more and more of the show involves other tech companies looking to scoop up enterprising new companies. A tone that’s set by the conference’s opening event: the annual Startup Alley pitch competition.
This year, 15 companies presented. If you were taking a shot every time someone mentioned “AI” then my condolences because you are now dead. If you included “machine learning” or “large language model” then you’ve died, come back as a zombie, and been killed again.
The scammers used digitally recreated versions of an international company’s Chief Financial Officer and other employees to order $25 million in money transfers during a video conference call containing just one real person.
The victim, an employee at the Hong Kong branch of an unnamed multinational firm, was duped into taking part in a video conference call in which they were the only real person – the rest of the group were fake representations of real people, writes SCMP.
As we’ve seen in previous incidents where deepfakes were used to recreate someone without their permission, the scammers utilized publicly available video and audio footage to create these digital versions.
Since we launched Bard last year, people all over the world have used it to collaborate with AI in a completely new way — to prepare for job interviews, debug code, brainstorm new business ideas or, as we announced last week, create captivating images.
Our mission with Bard has always been to give you direct access to our AI models, and Gemini represents our most capable family of models. To reflect this, Bard will now simply be known as Gemini.
A new way to discover places with generative AI in Maps— from blog.google by Miriam Daniel; via AI Valley Here’s a look at how we’re bringing generative AI to Maps — rolling out this week to select Local Guides in the U.S.
Today, we’re introducing a new way to discover places with generative AI to help you do just that — no matter how specific, niche or broad your needs might be. Simply say what you’re looking for and our large-language models (LLMs) will analyze Maps’ detailed information about more than 250 million places and trusted insights from our community of over 300 million contributors to quickly make suggestions for where to go.
Starting in the U.S., this early access experiment launches this week to select Local Guides, who are some of the most active and passionate members of the Maps community. Their insights and valuable feedback will help us shape this feature so we can bring it to everyone over time.
Google Prepares for a Future Where Search Isn’t King — from wired.com by Lauren Goode CEO Sundar Pichai tells WIRED that Google’s new, more powerful Gemini chatbot is an experiment in offering users a way to get things done without a search engine. It’s also a direct shot at ChatGPT.
