Autoriai rekomenduoja tokias priemones, kaip:
kuo trumpesnių posėdžių organizavimas patalpose,
dažnas pertraukiamasis ar skersvėjo vėdinimas,
efektyvių kaukių dėvėjimas patalpose,
„Sars-CoV-2“ virusai beveik visada būtų perduodami patalpose.
Lithuanian universities have become diploma selling shops. No serious research work (where are the Nobel Prizes?), no effort to hire better teachers (what are all those retirees doing over there?). Advertising, collection of money given by the state and money given by the banks to students (also state-guaranteed loans) and distribution of worthless diplomas. That is it.
What to do? Extraordinary solutions are needed to get out of this swamp. One possible way to do this is for the state, rather than state universities, to collect those money given to the universities by the state and those state-guaranteed loans. The state could then pay that money to the universities, not for the number of students admitted, but for the actual results of university's work - the earnings of people who have been employed in their profession and are repaying debts after graduating from our universities. Every Lithuanian university's boss would have to move their tush and find out what kind of occupations the European Union economy needs to fill in now. More serious Lithuanian businessmen, with many well-prepared Lithuanian people around, might be able to lead Lithuania out of the middle-income trap.
Lietuvos universitetai tapo diplomų kioskeliais. Jokio rimto mokslinio darbo (kur Nobelio premijos?), jokių pastangų pasamdyti geresnius dėstytojus (ką ten visi tie pensininkai daro?). Reklama, valstybės ir bankų studentams paskolintų (irgi valstybės garantuotų paskolų) surinkimas ir beverčių diplomų dalinimas. Viskas.
Ką daryti? Reikalingi nepaprasti sprendimai, kad išlipti iš šios pelkės. Vienas iš įmanomų būdų, padaryti taip, kad valstybė, o ne valstybiniai universitetai, surinktų tuos valstybės universitetams duodamus ir tuos valstybės garantuotų paskolų pinigus. Tada valstybė galėtų sumokėti tuos pinigus universitetams ne už priimtų studentų skaičių, bet už tikruosius universitetų darbo rezultatus - pagal specialybę įsidarbinusių ir skolas grąžinančių žmonių, baigusių mūsų universitetus, uždarbius.
Lietuvos universitetams tektų pajudinti užpakalius ir pasidomėti, kokių kadrų dabar reikia Europos Sąjungos ūkiui. Rimtesni Lietuvos verslininkai, turėdami daug gerai paruoštų lietuviškų kadrų, gal sugebėtų išvesti Lietuvą iš vidutinių pajamų spąstų.
"What percentage of your assets should be in stocks? Well, years ago, a common rule of thumb was: Subtract your age from 100 and that will give you the right number. So 30-year-olds were told to have 70 percent of their money in stocks. That figure was fairly conservative, and eventually some experts began saying subtract your age from 110, which would have made the number 80 percent in stocks at age 30.
But people are living longer, and I think that 110 figure is still low. So my suggestion is to subtract your age from 120, which means if you are 30 now, 90 percent of your money should be in stocks.
If you buy a total stock market index fund, and just about all the major brokerage firms offer one, you will get exposure to the entire U.S. stock market. Your U.S.-based holdings will be diversified.
But you want to participate in growth outside the United States, too. So you need to buy a total international stock index fund as well.
I would split the stock holdings this way: 80 percent in the total stock market fund and the rest in the international fund.
If you were, say, French, or Chinese, or Mexican,I’d suggest much the same thing. Own a diversified portfolio with stock from around the world, not just your home country.
Buy a total bond index fund. It will hold U.S. Treasuries and bonds of all durations — short, intermediate and long-term issues. And if you wanted to put 20 percent of your bond holdings in an international bond fund, it would be fine with me.
Each year, you can shift 1 percent of your money over to bonds and leave everything else alone. That means as you get older, more of your money will be in bonds. That will be a good thing because it will hedge the risk of a sudden fall in stock prices as you approach a time when you will need the money."