Thursday, December 01, 2022

Don't Save for College (In Your Child's Name)

Saving for college is widely seen as something good and noble that all parents should attempt to do. 
And saving for college is good and noble – but it should be done in the right way.

Unless you're able to pay cash for college and your student won't need financial aid to attend, do NOT save money in your child's name. Doing so will only reduce the student's financial aid award.

In calculating awards, parental assets and student assets must be reported. The problem is that student assets have a far greater negative impact on the calculation than parental assets do.

Every additional $100 in student assets reported reduces financial aid by roughly $25, whereas an increase in reported parental assets decreases financial only $6.

Save for college, yes, but put those savings in a separate, dedicated account in the parents' names – not in any kind of student-named fund.

There's no reason to give away financial aid money!

Be smart, and save for college in a dedicated non-student investment vehicle.

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Copyright © 2006-present: Christopher R. Borland. All rights reserved.

Tuesday, November 01, 2022

Wolfram Alpha

Stephen Wolfram and his engineers, makers of Mathematica, are at it again.

Wolfram Alpha is Stephen Wolfram's groundbreaking computational knowledge engine, one of the earliest such applications online. 

Type a question into the calculation field, and Wolfram will input the question and output the answer on-screen.: "How many goats in Japan in 1986?" Alpha knows the answer (~47,500).

Input z=x^2+y^2, and Alpha will output a 3-D graph along with detailed information about the relation.

Also of interest is Wolfram Mathematical Functions, the largest repository of mathematical functions ever to exist. 

Math fans, especially, will find Wolfram Alpha a fun site to peruse.

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Copyright © 2006-present: Christopher R. Borland. All rights reserved.

Saturday, October 01, 2022

50 Dangerous Things

Were you a "free-range kid?"

Free-Range Kids are largely left alone to explore the world independently. That includes trying things out, making mistakes, finding joy in exploration and experimentation, getting hurt on occasion, surviving those occasions, learning from errors, and growing up confident and competent in handling oneself.

We boomers were free-range kids. Gone after school until sunset and dinner time, off doing who knows what, who knows where, with whomever we pleased. 

Riding bikes miles away and speeding downhill in t-shirts, jeans, and flip-flops with no helmets (bike helmets weren't yet a thing; we wouldn't have worn them anyway). Cimbing across tall hills, shooting BB guns at soda cans, throwing rocks and clods of dirt at each other (and getting hit, painfully, on occasion). Exploring underground rain tunnels and coming up out of manholes, scaling tall school buildings after dark, hiking cross-country in Boy Scouts with only a map and compass, etc. All this was unremarkable and everyday.

Along these lines, 50 Dangerous Things (You Should Let Your Children Do) is medicine for modern parental paranoia. 

From the amazon description:

"In a time when children are too often coddled, reminds readers that climbing trees is good for the soul, and that a pocket knife is not a weapon. Full of exciting ways children can explore the world around them, this book explains how to “Play with Fire” and “Taste Electricity” while learning about safety. With easy-to-follow instructions, it includes:

• Activities, like walking a tightrope

• Skills, like throwing a spear

• Projects, like melting glass

• Experiences, like sleeping in the wild

As it guides you through these childlike challenges and more, the book will inspire the whole household to embrace a little danger."

Other recommended "dangerous" activities include learning to whittle, tie knots, make fires, stand on the roof, find beehives, go underground, perform on the street, cross town on public transit, sleep in the wild, make a rope swing, climb a tree, play with dry ice, drop from high places, and more.

Along the same lines, I recommend The Coddling of the American Mind, by Jonathan Haidt.

Haidt's book picks up where 50 Dangerous Things leaves off, and elucidates how unnecessarily frightened helicopter parenting – smothering kids with constant supervision – is actually far more harmful to young people than allowing them to take calculated risks and build confidence and independence in the process.

An important book for over-anxious parents raised by over-anxious parents.

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Copyright © 2006-present: Christopher R. Borland. All rights reserved.

Thursday, September 01, 2022

Gödel, Escher, Bach

Douglas Hofstadter's mind-bending tome about self-reference and meta-thinking published in 1979 is a classic in recreational mathematics. Getting all the way through it is a tantalizing, formidable intellectual challenge.

Self-reference applies to ideas that loops inward (outward?) on themselves. 

Some examples:

This sentence is false. Seeing one's own eyeballs (without using a mirror). Brushing the bristles of a brush with that same brush.

Hofstadter compares the works of three geniuses: Kurt Godel in the domain of pure mathematics, M. C. Escher in the world of fine art, and Johann Sebastian Bach in the realm of western classical music. The similarities are, indeed, surprising and impressive.

All three masters dealt with the concept of circular self-reference, but in different ways. Godel proved the illogical nature of mathematics (which is, itself, based on logic); Escher was famous for stairs that climbed upward to the bottom of the stairs and identical tessellating foreground and background images that seem, somehow, to "cause" each other; Bach would take a short series of notes, and then invert the same motif, play it backwards, string these versions together, etc.

The book is highly intriguing, almost addictive. But it isn't for the faint-of-heart or faint-of-mind. I tried to finish it. Wasn't able to. Made me dizzy. Read it at your own risk.

Buy GEB here.

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Copyright © 2006-present: Christopher R. Borland. All rights reserved.

Monday, August 01, 2022

Get a Head Start

A head start in life is a great advantage, and nowhere is this more clear than in the educational realm.

For example, any parent with a good high school education can teach his or her child to read at a very early age. See: Teach Your Child to Read in 100 Easy Lessons.

Likewise, any child who can draw stick figures with a crayon can learn to form letter shapes.

Simple mathematical concepts can be taught as soon as a child can count. Counting objects is the first step in acquiring "number sense," a visceral feel for numbers essential to mastering mathematics. The goal of all early math education should be the development, strengthening, and maintenance of number sense, along with the ability to do accurate mental and paper/pencil calculations and estimates. These aims should be ardently pursued and achieved in grades K-6.

Parents can work with eager children at home to provide them an early start. My own daughter was reading at age four, mastering math facts at five, operating with negative numbers at six, typing at seven, and doing algebra at eight.

Not all parents are professional academic tutors, as I am. Still, it doesn't take much forethought for most parents to provide their children a leg up in their schooling.

For those who wish to have professional guidance, I offer private consulting for parents of young children. In addition to providing general information about schools, early education, and tutoring at home, I help parents design and implement individualized, age-appropriate academic head start plans tailored to each child's particular needs and interests. You can contact me here for more information about this unique service.

An good head start is a great gift, one of the best parents can offer their children.

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Copyright © 2006-present: Christopher R. Borland. All rights reserved.

Friday, July 01, 2022

Mad Minute

Mastery of the basic facts of arithmetic is the first step toward mathematical fluency, and is a central early academic goal. 

A "Mad Minute" is a simple, daily exercise for elementary school students striving to memorize their basic math fact "tables." Mad Minute worksheets contain several dozen questions using the same operation (addition, subtraction, multiplication, or division), and are an excellent way to provide kids with daily practice.

To complete an exercise, students are given one minute to answer as many questions as they can. Each correct answer earns one point. After the minute is over, the number of correct answers is counted and written atop the page. Speed, therefore, is essential to a high score. However, students stop earning points after the first mistake! So accuracy is even more important. 

[Note: Mad Minutes introduce and reinforce two very important rules in studying mathematic – speed is important but accuracy is even more important – and are therefore doubly beneficial.]

Mad Minutes should be assigned at home each day (one for each operation, if possible, according to the student's current ability).

Mad Minute exercises are also great ways to track progress, since each completed exercise acts as a current assessment of mastery. Students might enjoy recording their scores in a 2-column table, and visualizing them using a 2-D chart with dates along the horizontal axis and scores along the vertical – an excellent way to introduce the concept of numbers as data. You can find large-format graph paper here and here.

Mad Minute books, providing multiple worksheets for each operation, have been around for decades. Click here to buy the latest on amazon.

Free downloadble/printable basic number fact worksheets, along with online drills and simple games, plus more worksheets and drills covering advanced work with operations, decimals, percents, and fractions, and simple mental exercise games like Make a Match and Find It, can be found on lizardpoint.com here.

Hint: Downloaded files are easier to work with, since workbooks eventually fill up and need to be re-purchased. Mad Minute exercise files, on the other hand, like those available on lizardpoint, can be printed over and over again, as needed.

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Copyright © 2006-present: Christopher R. Borland. All rights reserved.

Wednesday, June 01, 2022

The Great American Bathroom Books

Imagine a single-volume guide to a classic liberal arts education. You get essentially that in The Great American Bathroom Books, Volume 2.

Containing two-page thumbnails of all-time great written works, readers get a taste of famous titles without having to invest hours in the process. Single-sitting synopses are well-organized and well-written. Think of each as a summary of a summary, a shortened "Cliff Notes." 

Volumes 1-3 include main plot points, central themes, and condensed analysis of classic works of literature, important novels and plays, and popular recent non-fiction titles. All but Volume 3 are out of print. Read the second volume, first.

But a good used copy on amazon here or eBay here.

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Copyright © 2006-present: Christopher R. Borland. All rights reserved.

Sunday, May 01, 2022

The Lazy Man’s Guide to Enlightenment

Never was a book's title more descriptive. 

This dense little book by author Thaddeus Golas is short and very sweet. Takes only an hour to read, but can be re-read again and again, newly each time. By the end of it you'll have no excuse to to remain endarkended.

Talking about enlightenment is like a dog chasing its tail, eating your own mouth, seeing your own eyeballs without a mirror. It's impossible, a futile effort. Paradox and Confusion are the guards protecting the Jewel within the temple. Enlightenment lies outside the realm of words and concepts.

The author acknowledges early on his own reluctance to write the book in the first place, explaining it's really just a personal journal of sorts, written to remind himself of key points and lessons he's learned.

"He who talks about the Truth doesn't know it; he who knows the Truth doesn't talk about it."

Nevertheless, here it is, in less than 100 pages.

End your quest, and realize that you're already (always have been, and always will be) enlightened. Experience (or re-experience) the "Me Decade" of the 1970s and the Human Potential Movement in all its glory.

Read, learn, lighten-up.

The book is out of print and getting expensive. Buy the book here on amazon.

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Copyright © 2006-present: Christopher R. Borland. All rights reserved.

Friday, April 01, 2022

PreK-12 Curricula

Public and private schools vary greatly in quality, and parents ought to take responsibility for ensuring each child is learning what he or she needs to learn at every stage.

There's a vast ocean of teaching guides and materials available online. Few parents are professional teachers or education experts, and those without such training or experience will find it difficult to separate wheat from chaff. Those looking to monitor the education of their children or who want to teach or tutor their children at home will need help in their efforts.

For such parents, having access to a reliable curriculum guide is essential. Two that I've found useful are the ones found at IXL and World Book.

The IXL platform is used in schools all over the nation, and a paid IXL account may be worth the investment for your family, given the breadth and depth of their PreK-12 course offerings, excellent learning materials, and sterling reputation.

The Core Knowledge Foundation, headed by E. D. Hirsch, author of the acclaimed Core Knowledge book series, provides free curriculum materials for grades 1-8. I'm a big fan of Core Knowledge Books, and recommend them highly. Based on the excellence of these publications, I'm confident the curriculum materials prepared by the Core Knowledge Foundation will be of similar quality. Interested parents can check them out here.

An excellent resource for teaching young children to read is the phonics-based Teach Your Child to Read in 100 Easy Lessons. I used this book to teach my own daughter (eager learner) to read at age four. Each lesson takes about 20 minutes to complete, and can be broken up into two parts for kids without lengthy attention spans. The method of instruction is so simple that any parent with a good high school education can implement it easily.

Nowadays, it's quite important to carefully monitor what's taught (and how it's taught) in school. Gone are the days when parents can safely take these things for granted.

Fortunately, there's a lot parents can do to ensure their children actually receive a high quality education.

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Copyright © 2006-present: Christopher R. Borland. All rights reserved.

Tuesday, March 01, 2022

Atlas Obscura

I came across this book in an all-night gas station convenience store, of all places. With coffee in hand, a few minutes to spare, and the purchase of a birthday present on my to-do list, I read a few pages and was entranced. I picked up one for the birthday girl (our adult daughter), then ordered an extra copy for me.

For anyone who's adventurous and likes travel, Atlas Obscura is a great read, an awesome reference book, and a truly unique trip planning guide. The book lives up to its name, directing adventurers to obscure, fascinating, odd-ball destinations at home and abroad.

From amazon's description of the first edition:

"It's time to get off the beaten path. Inspiring equal parts wonder and wanderlust, Atlas Obscura celebrates over 700 of the strangest and most curious places in the world.

"... the dazzling glowworm caves in New Zealand, or a baobob tree in South Africa that's so large it has a pub inside where 15 people can drink comfortably. Architectural marvels, including the M.C. Escher-like stepwells in India. Mind-boggling events, like the Baby Jumping Festival in Spain, where men dressed as devils literally vault over rows of squirming infants. Not to mention the Great Stalacpipe Organ in Virginia, Turkmenistan's 40-year hole of fire called the Gates of Hell, a graveyard for decommissioned ships on the coast of Bangladesh, eccentric bone museums in Italy, or a weather-forecasting invention that was powered by leeches, still on display in Devon, England.

"Created by Joshua Foer, Dylan Thuras and Ella Morton, ATLAS OBSCURA revels in the weird, the unexpected, the overlooked, the hidden and the mysterious. Every page expands our sense of how strange and marvelous the world really is. And with its compelling descriptions, hundreds of photographs, surprising charts, maps for every region of the world, it is a book to enter anywhere, and will be as appealing to the armchair traveler as the die-hard adventurer.

"Anyone can be a tourist. ATLAS OBSCURA is for the explorer."

Buy the second edition here (100 more destinations, and more).

Check out the official website here.

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Copyright © 2006-present: Christopher R. Borland. All rights reserved.

Tuesday, February 01, 2022

Freerice

At
freerice.com students of all ages can learn everything from basic arithmetic to art history, world geography, anatomy, and English grammar and vocabulary, while earning grains of rice to donate to the United Nations' World Food Program (WPF).

"Rice" is used as a metaphor for donations generated by users of the site that sponsors then fulfill. Each correct answer stores 10 grains of virtual rice for donation to the WFP. Sponsors then give the monetary equivalent of all rice collected to the WPF to fund its charitable work around the globe.

From the site:

"The United Nations World Food Programme (WFP) is the 2020 Nobel Peace Prize Laureate. We are the world’s largest humanitarian organization, delivering life-saving food assistance in emergencies and working with vulnerable communities to improve nutrition and build resilience."
Freerice is a great way to learn while helping others in need throughout the world. The site generates billions of "rice grains" each year, a total of 224 billion to date! Caring students get smarter while making the world a better place in a concrete way."

For anyone who loves learning, it's hard to imagine a better way to have fun.

FAQ here.

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Copyright © 2006-present: Christopher R. Borland. All rights reserved.

Saturday, January 01, 2022

When Adult Children Send Parents on Vacation

One of the joys of parenthood is when you travel halfway around the world on premium plane tickets bought for you by your now adult daughter who paid for them with spare money she’s earned after going through the American high school and college meat grinders and coming out the other side with a senior job working for a top 10 tech company along with a wonderful husband and beautiful baby girl and close family members in five countries on four continents.

Enough said.

But I’ll say more.

There are moments when one realizes it’s worth it. To struggle and worry and win and lose and strive and push and crawl in the dark without a “how to” manual or the slightest assurance of success for years and years to bring to your child something that you, yourself, never had. What I always needed, but never received, was the reliable backup, love, and guidance that only a father can provide. But I did give that to our daughter. Together with the font of light and love and fine example of womanhood provided by her mother, it seems to have worked well.

The parenting my wife and I gave our daughter was far from anything resembling perfect. But it was good enough. And that’s good enough, apparently.

No one knows the future, and that's fine. No pressure. The point is that I was able to discharge my duty as a dad. And it feels good to know that.

[Girl in the picture not our actual daughter.]

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Copyright © 2006-present: Christopher R. Borland. All rights reserved.