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Colleges Face New 'Gainful Employment' Regulations For Student Loans

SunTzuWarmaster Re:Disturbing (331 comments)

Florida here.

Here is a minimal sample plan for in-state Florida college (where we didn't screw things up):
Insurance - covered at the student health center (catastrophic covered by parent)
Food - $100/month, rice/beans (my budget as an adult) - $1200/year
Tuition - 39credits/year @ 212.28/cr = $8.2K/year (source: http://tuitionfees.ikm.ucf.edu...)
Transportation - Bicycle, SERIOUSLY
Housing - offcampus w/shuttle @ $600/month (includes utilities and roommates, "luxury living" source: http://www.livesomewhere.com/c...) - $7.2K/year
MISC - haircuts, bike repairs, incidentals, pocket money, $100/month = $1200/year

Cost - 17.8K/year.

But how will someone ever pay for this?

Part time job at campus library at lowest-salary-university-will-pay-you. 20hours/week @ $8/hour = $8K/year.

Assuming that tuition never goes up and the student never obtains a marketable skill (dishwashing @ $10/hour, CAD drawing at $12/hour, copywriting @ $15/hour, freelance website design @ $20/hour, etc.), college costs about $10K/year, or $40K for the total package.

Note that a "student paying their own way, working their through college on minimum wage" is actually an option. Minimum wage is nearly $8/hour. 40 hours of minimum wage is $16K/year, which is just enough to cover college when considering the Earned Income Tax Credit and Making Education Pay Tax Credit.

Additionally note that no scholarships were to be had in the above calculations. Florida has a program called "Bright Futures" whereby a student with 1170 SAT score can get tuition 100% covered for all 4 years of college (cost reduced to $10K/year).

about 1 month ago

Tesla Announces Dual Motors, 'Autopilot' For the Model S

SunTzuWarmaster Re:Awesome (283 comments)

I don't understand why people want to buy things they can't afford.

I don't think that you understand: the car goes really fast and looks really cool , and I want one.

Note that this is different than:

I don't understand why people do buy things they can't afford.

about 2 months ago

New Global Plan Would Crack Down On Corporate Tax Avoidance

SunTzuWarmaster Re:America Cannot Compete (324 comments)

Certain country's tax codes are upending the world trade structure.

The way things should work: profits made in a country are taxed in that country.
The way things should not work: a company doing business abroad pays taxes both at home and abroad.
The way things break: subsidiary company makes "no profit" (no tax) because it pays hefty license fees (100% net income) to my headquarters company in Ireland. Ireland does not tax licensed technology abroad. I pay effectively no taxes (and instead pay clever tax accountants, who are cheaper).

This is an article is an attempt to remedy the situation where companies can chase low tax structure to literally any country which will offer a favorable deal. It is understood that you can't do it one at a time ("we'll just fix Ireland because they're the problem"), because there are many countries willing to offer such arrangement (Bermuda, Curacao, Panama, Iceland, etc.). This is an attempt to get to the 1st and 2nd point, while disallowing the 3rd.

about 3 months ago

The American Workday, By Profession

SunTzuWarmaster Re:TFA bad at math? (146 comments)

Because the graph breaks it down by occupational category, rather than by population within a category.

A friend of mine once said that it was a travesty that 25% of the vehicles on the road were SUVs. Another claimed that this was sensible, as there were four categories: cars, trucks, vans, SUVs. The second person assumed an even distribution among vehicle classes, which is obviously untrue.

You are assuming an uniform distribution of professions where none exists; there are likely more people in "management" or "sales" (45% by 0730). This offsets the numbers significantly.

about 4 months ago

It's Dumb To Tell Kids They're Smart

SunTzuWarmaster Re:Classic Khan pseudoscience (243 comments)

I hate to be the bearer of bad news, but the "growth" that they are referring to is the "growth mindset":

The short version of the "growth mindset" is: "the children who believe that their brain grows in response to effort/stimulus have a tendency to perform better at cognitive tasks". The alternative to a "growth mindset" is frequently self-defeatist ("I'm not smart enough to do math", "I'll never get it", "I already know all of the information I can and cannot handle anymore", etc.). The "growth mindset" is independent of any neuroscience, and doesn't pretend to be related.

From a recent conference: "it is actually unimportant whether the brain 'grows' as it learns more or not, the children who believe that it does learn more, quicker".

about 4 months ago

Professors: US "In Denial" Over Poor Maths Standards

SunTzuWarmaster Re:Clearly, we need to SPEND MORE MONEY! (688 comments)

Perhaps that, accounting for inflation, $1 in 1962 is worth $7.77 today? This indicates that the "quadrupling of funding!" is really "slashing the inflation-adjusted budget by half". Would that be on topic, and a worthwhile point to make?

about 7 months ago

Data Mining Shows How Down-Voting Leads To Vicious Circle of Negative Feedback

SunTzuWarmaster Re:I disagree (293 comments)

I agree with the parent poster. I feel that my voice is rarely silenced due to simple unpopularity. Browsing at -1 indicates mostly that -1 posters suck. More common than this is that my posts are average (in the noise), which is probably an accurate reflection of my posting nature (small additions filling the the corners or highlighting a previous argument).

On the moderation side, I rarely downmoderate. I downmod in one of a very few cases: poster is a jerk/troll, poster has contributed nothing, poster is provably wrong in a manner which indicates erroneous conclusions.

about 7 months ago

Japanese and Swiss Watchmakers Scoff At Smartwatches

SunTzuWarmaster Re:Jewelry (399 comments)

Planet Money summed this up pretty well for me:
Announcer: "Zoe, let's say I give you two investment vehicles. One is a piece of art, with a drawing on it. The other is a Government bond. Let's say they both will appreciate at the same rate, say, 3% above inflation. Which would you prefer to have?"
Zoe: "Is the Government bond pretty? Does looking at it, feeling it, or smelling it give me any form of pleasure?"
Announcer: "No, it looks, feels, and smells like a Government bond. It has a picture of an eagle on it."
Zoe: "I'm, um, going with the art."

This is a pretty simple example of why art underperforms typical investment vehicles. All things being equal, people prefer the art to the bond. That said, it drives demand for art up, and return for art down. While art may _hold_ its value (keep pace with inflation), it will not compare in its performance with similar investment vehicles (even if kept in pristine condition).

More info here: http://www.npr.org/blogs/money...
and here: http://people.stern.nyu.edu/jm...

about 8 months ago

iPad Fever Is Officially Cooling

SunTzuWarmaster Re:Shuffles (386 comments)

I agree that the iPod classic is a product separate from those of other categories. Additionally, I agree with your views regarding being amazed about not having large-storage HDD-based music players. However, the following situation occurred recently to me:
  - I got a new phone (replacing the 4 year old one).
  - I uploaded all of my music on my iPod (40ish Gb) to Google Music (20,000 songs for free)
  - I cached my frequently-played favorites ("Running mix", "Workout mix", "Yard Word mix") on the HD of the phone, using about 1 Gb of space
  - I stream my music collection from Google Music
  - I also have many other capabilities, such as streaming from Pandora, downloading podcasts, using car stereo BlueTooth, etc.
  - I haven't turned on my iPod since

I have 'unlimited' (5 Gb) bandwidth from my cell carrier when roaming, and truely 'unlimited' bandwidth from the places where I listen to the most music (gym Wifi, home Wifi, work wifi, girlfriend Wifi, etc.). In short, my phone has access to my entire music collection as part of its normal operation ($25/month, unlimited calls/data).

I use a Moto X phone (now), from Republic Wireless, which cost $299 (https://republicwireless.com/phones/moto-x), and $25/month. It effectively replaces the functionality of my previous phone ($50/month, free phone).
An iPod Classic (40K songs) starts at $249 (http://www.apple.com/ipodclassic/). An iPod Touch (1750-7K songs) starts at $229.

iPods are products which will die.

PS - Shameless plug for a company with which I am happy. You can switch to Republic Wireless using this link for the first month free: http://rwshar.es/OWQc

about 8 months ago

Retired SCOTUS Justice Wants To 'Fix' the Second Amendment

SunTzuWarmaster Re:It's crap (1633 comments)

Small correction: men between the ages of 17 and 45 (http://www.law.cornell.edu/uscode/text/10/311).

about 8 months ago

Retired SCOTUS Justice Wants To 'Fix' the Second Amendment

SunTzuWarmaster Re:No advocating banning guns (1633 comments)

Not greatly, considering how many people are considered to be in the "unorganized militia" (http://www.law.cornell.edu/uscode/text/10/311). Short version: all men between 18 and 45 are considered part of the unorganized militia. Also, some other people (women in the national guard, etc.).

about 8 months ago

Ask Slashdot: Fastest, Cheapest Path To a Bachelor's Degree?

SunTzuWarmaster Re: DeVry (370 comments)

My alma mater averages $210/credit hour (http://tuitionfees.smca.ucf.edu/). The engineering degree, when I graduated, was 128 credit hours. This brings the cost of the degree close to $27000 ($6000/year). It appears that GP paid 50% more than traditional education (in-state tuition) for his non-traditional degree program.

about 9 months ago

70% of U.S. Government Spending Is Writing Checks To Individuals

SunTzuWarmaster Re:Makers and takers (676 comments)

I hate to rain on your parade with facts, but here are some relevant facts:
The Minimum Retirement Age (MRA) for someone currently in the workforce is around 57 (or any age with 25 years of service).
Payments don't start until you actually hit MRA.
The average federal worker makes 78K/year (let's not debate this too much, as president Obama is in these numbers).
While you can start payments at MRA with only 5 years in service (woo!) the amount of that pay is 1% of your average salary for your three highest salaried years per year. In other words, you'd get less than 5% of your ending salary (about $325/month).

The person in your example works for 20 years (let's say 18-38), "retires", begins receiving payments at 57 (no inflation adjustments during this time period). Let's pretend that this is the first year they receive payments (they retired in 1995) and that they made average salary ($61,000) at that time. They are now entitled to begin those lucrative payments you speak so highly about... $12200/year.

Your point that they will receive this payment until the end of their life is accurate, and they may receive this $12K/year (which is now adjusted upwards yearly for inflation) until they are 90 years old.


about 9 months ago

Physics Forum At Fermilab Bans Powerpoint

SunTzuWarmaster Re:PowerPoint? (181 comments)

Perhaps by using this: http://tx.technion.ac.il/~zvik...
Also, by drawing it in a drawing program and saving it as an image (http://scienceworld.wolfram.com/physics/fimg88.gif).

Note: I am a scientist and use PowerPoint daily. There is a place for each goal:
Giving a scientific talk at a conference (20 minute presentation, 10 minute Q/A) - PowerPoint
Giving a project/program briefing of monthly activity - PowerPoint
Giving a classroom presentation - PowerPoint

It is a good format for one-way presenting. It is not a substitute for dialogue, decision making, collaborative pro/con analysis, or documentation. There are other solutions for that (whiteboard, whiteboard-handout combo, briefing-whiteboard combo, whitepaper, respectively).

about 9 months ago

The Neuroscience of Computer Programming

SunTzuWarmaster Re:Reading vs writing (161 comments)

In this case, reading, writing, listening, and speaking a foreign language should all be different tasks. The neuroscience doesn't lie: the region of the language processing center lights up; portions of programming are similar to foreign languages.

about 10 months ago

Build an Open-Source Electric Car In About One Hour

SunTzuWarmaster [fuckbeta] (188 comments)

Missing option: I'm jumping ship to the first replacement that comes up. Slashcode will likely do a good job.

about 10 months ago


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