Placing the Blame - Student Debt.

The NYTimes has a long article detailing the money troubles of a recent grad with thousands in debt. Showing pictures of her in her fashionable clothes and a ten-speed bike, the reporter bemoans the seemingly vast numbers of students who, through no fault of their own, racked up enormous debt. The colleges and universities should do something, he rants. Deputize MBA students (?). The parents - are they at fault? Sallie Mae? CitiBank?  Yeah, CitiBank.

Puhlease. Just because she's pretty doesn't mean she's right. Just because CitiBank sucks doesn't mean they're wrong. Let's examine a few things.

"The balance on Cortney Munna’s loans is about $97,000, including all of her federal loans and her private debt from Sallie Mae and Citibank. What are her options for digging out?"

Holy crap. She must have really needed that degree if she was willing to incur that much debt. The prospects must have been good before the recession hit, wouldn't you think? I'll bet this was an MBA or engineering degree? She's got savant talent and is about to blow your doors off? Well, no.

"... since graduating with an interdisciplinary degree in religious and women’s studies."

Right there, you can tell this isn't going to end well. This is obviously not a financial wizard. She majored in touchy-feely on someone else's nickel. She went to NYU instead of CC or any of the SUNY campuses. It isn't all bad, though. She just got a raise. Now she makes almost as much as I do.

"She recently received a raise and now makes $22 an hour working for a photographer. After taxes, she takes home about $2,300 a month. Rent runs $750, and the full monthly payments on her student loans would be about $700 if they weren’t being deferred, which would not leave a lot left over."

Not a lot left? That would be $850 per month left over, maybe $30 per day. She is just out of college. She can brown-bag lunches like the rest of us. Share expenses. Skip the "going out" stuff. Bike to work instead of bus or car. Share the apartment. Get a second job, if she needs the money so badly. Get another, more useful college degree but not if it is solely to avoid paying your debt. When you are desperate, try 80-hour work weeks - it beats eight hours of tv and partying every night.

Another womyn's studies disaster. Cry me a river.

The article is copied below.

Some Teachers should really just shut up.

The teacher who went foot to mouth against Gov. Christie really should just shut up. If the reports are true that she actually said she'd "love to earn $83kpy" and in fact makes $86kpy with benefits on top of that, then she has done much more damage to the teachers' cause than she probably realizes.

It does no one any good if the most visible spokesman whines hypocritically and gives the Gov enough ammunition to shoot down her argument. It does no one any good because lots of NY teachers make less with bigger courseloads. I don't make anywhere near that, even after nearly 30 years of teaching, but I don't have nearly the student load or the administrative hassle either of my readers do.

Lady, for all of us, please shut up.

Because it does matter. It matters in the court of public opinion. It matters in the court of John and Mary Smith when they go off to pay their local property taxes. It matters in the zeitgeist.

How much? The same post had this from NJ.com:

In an astonishing fall from grace that has taken only months, teachers have gone from respected and beloved members of the community to some of the most reviled. In a blink, they have trashed years of good will.
Once the patient darlings who nurtured our kids, teachers now look like insensitive, out-of-touch, can’t-think-for-themselves union robots who, when forced to face economic realities, clung to an insulting sense of entitlement, heartlessly sacrificed the jobs of colleagues, called the governor naughty names and used students as political pawns.
All while blaming everyone else.

It matters.

But Living in Monticello ain't bad.

It an otherwise typical post worrying about the upcoming "War on Bacon" and bemoaning Big Government, Breitbart includes this bit of historical poetry:

“I had rather be shut up in a very modest cottage with my books, my family and a few old friends, dining on simple bacon, and letting the world roll on as it liked, than to occupy the most splendid post, which any human power can give.” - Thomas Jefferson

ummm, bacon.

Koi Pond Puzzle

This geometric city park is perfectly square with a square koi pond in the middle. There's a circular walking path that is tangent to both squares at the indicated points. The pond is 3 feet deep. The area of the park is 4 acres.

What is the volume of the koi pond in gallons? (You’ll need to Google a few conversions.)

Answer in this backdated post.

Overlapping Squares Puzzle

Overlapping Squares

In the diagram, the 4 in. square overlaps the 3 in. square in such as way that the corner of the larger square is at the center of the smaller square. The 4 in. square has been rotated so that its side trisects the side of the 3 in. square. What is the area of the shaded portion?

answer, here, in a backdated post.

Checkbook Puzzle

Try this very simple checkbook-balancing problem.

Beginning balance for the month $54.00

Check #0221 $20.00 Check #0222 $20.00 Check #0223 $10.00 Check #0224 $ 4.00 Total $54.00

Balance $34.00 Balance $14.00 Balance $ 4.00 Balance $ 0.00 Total $52.00

You naturally added everything very carefully so you should be able to tell where the missing two dollars have gone.

Tough Times for Unemployed Teachers - or not.

According to the NYTimes: Teachers Facing Weakest Market in Years, it's tough to get a job because of all the other teachers out looking. Of course, this IS Westchester County, Long Island so it's not surprising that there are 3000 applicants for 8 jobs.

With all these teachers available, I wonder about the other complaint floating around the blogosphere: that of unavailable people to fit into charter school jobs. Charter schools were complaining to the Wall Street Journal about the oh-so-onerous restrictions on hiring non-teachers that I wrote about the other day. Either they can't find SchoolSpring.com or are simply offering too little money for too much work. Gotta keep up the salaries of the administration - inexperienced teaching at any cost.

Read More:

Valedictorian Speeches

I appreciate the writing and the eloquence. They've found their own voices but not yet fully developed their own opinions - some of what they say is rehashed talking points - but it is nice to hear seniors who can speak well and are starting to accept the mantle of adulthood.

Read more:

The Missing Word Puzzle

"Here is an odd little criss-cross puzzle wherein you are to discover a word, which when placed in the vacant space, so as to be read twice, will make the sentence complete, beginning at THE and ending with ESCAPED.
- Sam Loyd, Cyclopedia of Puzzles, 1914

The Turf Puzzle

To show how little the patrons of the turf know about the theory of odds as practiced at the race track, let readers seek a solution to the following elementary problem:
If the odds are 7 to 3 against Apple Pie and 6 to 5 against Bumble Bee, what should be the odds against the famous running horse Cucumber?
-Sam Loyd, Cyclopedia of Puzzles, 1914

Letters to the Editor, vol1 i2: Certification and the Alternate Track

A Letter to WSJ complained about charter schools not being allowed to hire non-teachers to teach. He felt that people switching over from pretty much any career would be acceptable as teachers - retirees, engineers, scientists, artists.

I doubt that a long career designing automobile engine parts for Ford, for example, would be good training for an algebra teacher. Oh, that person would have lots of "real-world" knowledge but absolutely no idea of how to deal with a classroom full of teenagers. There has to be some training, some mentoring. There also has to be a vetting process, some way to determine whether the prospect is actually knowledgeable about the subject and able to teach it to kids and I'm not talking about a 30 minute interview with my principal.

If some wunderkind exists, he can get into teaching pretty easily. How? Every state has some form of "peer review" process in which a differently trained person with the desire to become a teacher can submit a portfolio demonstrating knowledge and ability in the various aspects of being a teacher. I did it this way - 100ish pages of descriptions, letters, transcripts, explanations and other evidence. Presto! Four weeks later, I had a license.

Some states are more difficult about it. Teach for America is much easier about it. Results vary, but there has to be some sort of hurdle, else you wind up with too many dilettante teachers who crap out in the first month and leave the students hanging. I've seen this kind of thing happen all too often in private schools (because they don't have to hire credentialed teachers) - incoming genius ready to save the world and show his incredible talents to the poor downtrodden students who had been, until his arrival, horribly confused and mistreated by the "lifers." The office pool was always won by Halloween.

Why do we allow liberals to waste such valuable talent? Because, by and large, it doesn't exist. There just aren't thousands of people willing and able to become teachers -- who haven't got the smarts to do "peer review." Skill in the computer design center working with adults all day and lots of autonomy (that word again!) doesn't carry over to solving the real problems handling a room full of teenagers who couldn't give less of a damn about fractions.

Bottom line: It's pretty damn easy to get a license -- if you've got the potential to be a good teacher. If you don't, then the hoops are useful in weeding you out.

As for the editorial - come on, people. Blaming the failures of charter schools on a perceived lack of autonomy in hiring teachers is pretty lame. Just because most charter schools can't do better than the public schools they steal from despite the selection and rejection of pupils ...


click the header to view the letter and the editorial, below the jump.

Yearbooks Two

original article, but I copied it below if that link breaks.

I can understand missing a bird in a photo or a double-entendre inside joke in a comment. I can't understand allowing the student to do whatever.

"She told me it was their yearbook and they could put whatever they wanted to put on it," the advisor said.

If the article is accurate, the students knew exactly how the community would take it and did it anyway. They were making a statement and none of those in positions of authority did a damned thing.

"The custom has been for me to approve the cover, but it was not brought to me this year," she said. "It was . . . published sooner than usual, and now we are dealing with the aftermath."

I wonder if that principal expects people to believe that?

Some senior pictures were left out, there was a "hidden message" that no one managed to notice, the cover is either a cool riff on on a good Sunday or a dig at the school depending on who you ask and in what context, and everyone is now furiously distancing themselves from any critical thinking.

What could possibly go wrong?

Read more:

Yearbooks in the News.

Tom, at Stop Trying to Inspire Me picked up on the article in The Free-Lance Star that Massaponax High School's yearbook is being recalled for a "True Confessions" page, among other things.

Lots of truth, anonymously told. Students are dismayed when the book gets pulled.

First, where the hell was the advisor and the administration? The yearbook is all online these days, even down to the image editing. The advisor has passwords for each kid and has a higher level password for herself. Nothing gets published without her knowledge. She could have reviewed the material and locked the pages. She did not. The administration also has high-level passwords and could have reviewed the material as well, but did not.

"Rodkey said the yearbook is a student publication, overseen by an advisor. He said he did not want to cast the staff or advisor in a negative light."

Bull. Not making a decision is equivalent to approval. The joke that seems funny now is crude in a few years, stupid in a few more, and just plain mean-spirited after that. The mis-attributed "Quotable Quote" would be a lawsuit in any other publication. The previous yearbook was called "Scandalous" and many parents agreed. It does give one something to think about.

I've found that the biggest student misconception is "It's OUR yearbook and we can write anything we want."

Um, no, it's not. And you've got Facebook for that.

The yearbook may be ABOUT the students but it doesn't belong to them.

It has to be about the football kids and soccer kids, the goths and the jocks, the drama club and the drama queens, those who did nothing for four years and those on the Ivy track. It should have the loners and the clubbies, winners and losers (pictured that one time when they looked good). No one should ever have to hide a picture. Every senior should have a formal and at least one candid. Every picture and every comment must meet the "parent shows to grandparent and both smile" test.

It's the kids' yearbook,
and the parents',
and grandparents',
and the community's,
and the library's,
and the faculty's,
and the friends and fans of the sports teams,
and for the kids twenty years hence to show their children.

Everything in it must be something to make all those people look back fondly. Publishing things like "I have sex with people just to feel wanted." "I worry all the time my ex-boyfriend will use the naked picture I sent him to ruin my life."
"I had an abortion and my mom doesn't know." "I once did so much pot that I woke up high." "I'm pregnant with my best friend's boyfriend's kid."

What in hell were the adults thinking?