OER, higher ed undergrad & consumer advocate at all levels. Open access, zero cost, student rights. Personal account. Our OERs: https://xitter.cf/t.co/ZEN2ovuueR
Tampa, FL
Joined August 2009
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Think adding extra #mortgage payments scales linearly? Think again. • 1 extra payment/yr = 6 years saved • 2 extra payments/yr = 9.5 years saved • 3 extra payments/yr = 12 years saved #CompoundInterest math is a curve, not a straight line! 🏠📊
ALT A line graph titled "Mortgage Time Saved vs. Extra Annual Payments (30-Year Mortgage at 6.5% Interest Rate)." The horizontal axis represents the "Number of Extra Monthly Payments Per Year" ranging from 0 to 6 in whole-number increments. The vertical axis shows "Years Shaved Off Mortgage," scaled from 0.0 to 17.5 years. A single solid blue line begins at the origin (0 extra payments, 0.0 years saved) and curves upward to the right, illustrating a flattening non-linear slope due to diminishing returns. Each data point on the line is marked with a blue circle and labeled with its exact numerical value: 0 extra payments: 0.0 yrs 1 extra payment: 5.8 yrs 2 extra payments: 9.5 yrs 3 extra payments: 12.1 yrs 4 extra payments: 14.1 yrs 5 extra payments: 15.7 yrs 6 extra payments: 16.9 yrs
Assessment is for learning as well as for providing a grade. Have no guardrails such as unproctored tests and/or unfettered technology use, and both suffer. Accreditation is the last straw left for higher ed - let’s not play fire 🔥 with that.
Which AP classes matter most in admission. insidehighered.com/news/admi…
The results are not statically ckear but my opinion is to go for the Calculus BC for sure. Others found are psychology, biology, chemistry, English language, and statistics
If you are teaching regression, please start with y=ax model, and not the y=a+bx model. The cognitive load reduction is huge.
nm.mathforcollege.com/Numeri…
With machine learning becoming critical, using it to teach gradient descent also becomes beautiful.
Elon is giving one #spacex stock to every kid. finance.yahoo.com/markets/st…
What a treasure trove of data of 72 million kids, data which is not as accessible as that of adults. That is worth more than $150.
Don’t listen to naysayers on #Amendment3FL. The median home in FL costs 400K. So we are still going to be paying non school property taxes. They can always increase the millage for the shortfall. Give low middle class people and long term residents a break, please.
Customer service pro-tip for getting results:
Get the CSR’s name & reference # immediately
Email yourself timestamps + detailed notes after call
Send summary email to support to lock in record
Still stuck? Send Certified Mail (Return Receipt)
Paper trails change everything. 📝💡
Returning items to @amazon is a trap:
Get refund confirmation
They claim they never got it
Call support; they confirm the refund
Get charged AGAIN anyway
Call support again; they promise a credit
Weeks pass, radio silence
Off to file a credit card dispute
@FTC @WiltonSimpson
Moved this as CC dispute and they want to dispute that the charge is correct. Called again today and they said, they will credit the CC. Keeping fingers crossed. Always saying that they had a glitch. Will reply their dispute email as well with proof of return! @amazon
Did you get this mailer in @HillsboroughFL. This is about #referendum2 and there is no language about term limits in the referendum. I wish there was - we could stop the stadium frenzy. Go figure out the truth.
Remember on Nov 3 - the classic bait-and-switch of CIT taxes. Vote YES on Amendment 3. There is enough money - where there is a will, there is a way. They exemplified it, and will again after Nov 3 with Bucs $500M canopy. wusf.org/politics-issues/202… @HillsboroughFL @JoshuaWostal
Many claim that they would have more money investing SS themselves. But they forget to do calculations backwards.
If you worked 43 yrs and retired today at 65; were making more than cap every year, your ss benefit is 50K/yr. If invested in SP500, it would be 200K/yr annuity.
An Armadillo Found in Ohio Is the Latest Surprise in the Armored Animals’ Expansion North
smithsonianmag.com/smart-new…
It's much more than climate change. They are mostly males booted out by older males, and they are looking for mates.
Fake news being distributed in @HillsboroughFL There are 3 referendums on the county ballot. They are saying Ref 2 is about putting term limit on county commissioners. That is not true. See the language.
ALT Referendum 2 of hillsborough county.
Vote YES on amendment 3. It will be a proxy state income tax.
Large counties are below the constitutionally allowed millage of 1%. The commissioners can adjust millage up to the rolled-back rate to make up the difference, and they can pass it with a standard majority vote.
Why #datacenters use so much electricity. Just plain facts. Would have no problem - they pollute and increase electricity rate for hosting counties.
Noise and water are other collateral damages.
This is not capitalism, it is forced #corporateWelfare
youtu.be/z3Y-gsBKChc
If 1 gets into a #crash in FL and there is only property damage of less than $2K, you do not need to call police.
I will always call the police. Why. I am not an estimator and responsible party may change their story and make you liable instead.
cbsnews.com/miami/news/flori…
Separate pots of money? They figured out how to use CIT taxes for a stadium in @HillsboroughFL when it suited them. They can make #Amendment3 work, too. Up the millage rate on high-end properties, a proxy for state income tax. They’re the ones buying the stadium tickets!
So members are suing @Costco for writing refund checks to them. Costco wants to lower prices on select items. Either way members will lose. Attorneys will keep 40%. Lowering prices option is putting trust and fairness issues in hands of Costco. reuters.com/sustainability/b…
