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Articles by Oudom Hean
The hidden cost of losing your community bank: disruptive innovation Original
A New York Community Bank branch is in upper Manhattan in New York on Friday, February 9, 2024. (AP Photo/Ted Shaffrey) In July, the 21st Century ROAD to Housing Act became law, carrying a provision that drew almost no attention. It directs federal banking regulators to run a two-year pilot that makes it easier to charter new community banks — with particular attention to rural areas — and gives banks chartered between 2026 and 2028 a phase-in period to meet capital requirements.
Computer Science > Machine Learning
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SAMUEL PETERSON and OUDOM HEAN: Can AI Be Your Guide to Financial Success?
For many Americans, the arrival of W-2s and 1099 forms signifies one thing: tax season. With looming deadlines and the complexity of deductions, credits and exemptions, taxpayers will turn to online resources for guidance.
Can AI be your guide to financial success?
For many Americans, the arrival of W-2s and 1099 forms signifies one thing: tax season. With looming deadlines and the complexity of deductions, credits and exemptions, taxpayers will turn to online resources for guidance. Now, tools like ChatGPT, Claude, Google’s Gemini and Meta/Facebook’s Llama promise quick answers to questions like, “What does my 1099-NEC mean?” or “Can I claim this expense as a deduction?” kAmr2? E96D6 px 492E3@ED A@:?E J@F :? E96 C:89E 5:C64E:@?
Can AI Be Your Guide to Financial Success? – DC Journal - InsideSources
For many Americans, the arrival of W-2s and 1099 forms signifies one thing: tax season. With looming deadlines and the complexity of deductions, credits and exemptions, taxpayers will turn to online resources for guidance.
Letter: Artificial Intelligence: Perspectives from an educator and a student
To some, artificial intelligence (AI) threatens traditional education, potentially reducing the need for human teachers. However, it represents a tremendous opportunity to enhance the learning experience. As an educator and student, we believe AI can complement, not replace, human teaching, opening new possibilities for interactive and personalized learning. AI models, such as ChatGPT, have the potential to become the next great equalizer by making knowledge more accessible to everyone.
Bank consolidation is choking off entrepreneurship in the Midwest
Imagine a small-town entrepreneur brimming with innovative ideas but thwarted by the absence of a supportive local bank willing to take a chance on their dream. This scenario is becoming increasingly common as the American banking landscape shrinks,...
The Effects of Aging Populations on U.S. Communities
1. Introduction As the U.S. experiences population aging, the extent of this demographic shift varies considerably across regions. For instance, in 1990, the state with the smallest proportion of its population aged 60 or older had less than one-third the share of the state with the largest proportion. This discrepancy becomes even more pronounced at the county level (Maestas et al. 2023).
The Financial Impact of State Tax Regimes on Local Economies in the U.S.
1. Introduction The topic of taxes has been intensely debated by policymakers and academics alike. While taxes serve as a crucial tool for governments to generate revenue, fund public services, and advance socioeconomic objectives, they can also challenge the prosperity of a region. The effects of taxes on economies are multifaceted, with far-reaching implications for individuals, businesses, and overall economic growth.
Tear down the invisible walls around housing reform
As recent graduates move to new places to start their careers, many struggle to find affordable housing. Compared to just over 20 years ago, when housing prices had been consistently around four to five times the median household income, housing prices are now over seven times higher than the median household income. Over time, the cost of housing has more than doubled, making it very challenging to purchase a home or pay for rent.
Letter: How can we retain or attract skilled workers?
Skill shortages continue to be a pressing problem across the U.S., a problem from which North Dakota is not immune. To tackle dire workforce challenges in North Dakota, the state recently established the Office of Legal Immigration within the Department of Commerce. They will assist businesses in recruiting and retaining legal immigrants. While they should be lauded for the effort, more is needed to transform North Dakota into a desirable destination for skilled workers.
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