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Find your own guarantee with life insurance

Safety is the most important thing for all people in this world. Of course, you will think the same that your safety is the most important thing that you should reach. Nowadays, it is available for you with life insurance quotes . Of course, through this life insurance, you can guarantee your life. It means that you will be safe and free at risk when you get bad possibilities, such as died. In short, the life insurance is as the best choice for those who find the guarantee for their life. In addition, getting registration in life insurance also gives many advantages.

First advantage you may reach is getting the guarantee death benefit payout. Then, you will also get the growing of the tax-deferred. Besides, you can also borrow the cash value from the life insurance company you have registered. You will also be able to cover your entire life. Of course, such advantages are very valuable for you all because you can also take and advantages while you do not get the risk yet. In conclusion, the life insurance is actually as the best choice for you who find the guarantee for your life. You will be free at free for your entire life risk. Every bad possibility you may get, you will get the guarantee payout. 

Solve your Funding Problem with Payday Loan

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Find Car Insurance Quotes Online Now!

            There are a lot of car insurance quotes services that you are able to find in the internet these days. That might put you in a great confusion about choosing the best car insurance service for your car. Therefore, what you need to find to help you find the best car insurance service is by finding car insurance quotes. These quotes are very common to see these days in the internet, so that you do not need to come directly to the car insurance services only to find the quotes from certain life insurance services. And of course, you can always access them online anytime and anywhere you need.

            One of the most recommended online services that you can choose to find car insurance quotes is carinsurancerates.com. This site is one of the best places where you can find all information you need to know about car insurance. You will be given complete and detailed review about certain car insurance as well, so that you can compare car insurance services available much easier than before now. Not only that, but later you will also be given some kind of rates preview, which will help you to see how the customers think about certain car insurance based on their qualities.

Smart People (You and Me) are Stupid

A recent provocative article from the New Yorker begins:

Here’s a simple arithmetic question: A bat and ball cost a dollar and ten cents. The bat costs a dollar more than the ball. How much does the ball cost? The vast majority of people respond quickly and confidently, insisting the ball costs ten cents. This answer is both obvious and wrong. (The correct answer is five cents for the ball and a dollar and five cents for the bat.)

Or try this one:

West and his colleagues began by giving four hundred and eighty-two undergraduates a questionnaire featuring a variety of classic bias problems. Here’s a example: In a lake, there is a patch of lily pads. Every day, the patch doubles in size. If it takes 48 days for the patch to cover the entire lake, how long would it take for the patch to cover half of the lake? Your first response is probably to take a shortcut, and to divide the final answer by half. That leads you to twenty-four days. But that’s wrong. The correct solution is forty-seven days.

Our first mistake is too assume the human beings are rational. We should start from the premise that human beings are lazy (Yes, I am talking about you, and I am talking about me).

When people face an uncertain situation, they don’t carefully evaluate the information or look up relevant statistics. Instead, their decisions depend on a long list of mental shortcuts, which often lead them to make foolish decisions. These shortcuts aren’t a faster way of doing the math; they’re a way of skipping the math altogether. Asked about the bat and the ball, we forget our arithmetic lessons and instead default to the answer that requires the least mental effort.

My son calls it the “slacker syndrome.” The first step to learning to make good decisions is to humbly acknowledge that deep down we are all slackers. The smarter we are, the more stupidly we decide, like the super-smart guy who thinks everyone else is an idiot, but HE can time the stock market.

...smarter people are more vulnerable to these thinking errors...intelligence seems to make things worse. The scientists gave the students four measures of “cognitive sophistication.” As they report in the paper, all four of the measures showed positive correlations, “indicating that more cognitively sophisticated participants showed larger bias blind spots.”....

Okay, now that I know I am prone to this weakness (maybe the next time a job interviewer asks me about my number one weakness, I should admit that I am stupid....mmm...maybe not), I can use this new-found self awareness to avoid it in the future. Think again.

...“people who were aware of their own biases were not better able to overcome them.”...

Even worse, we all tend to think of ourselves more highly than we ought.

Perhaps our most dangerous bias is that we naturally assume that everyone else is more susceptible to thinking errors, a tendency known as the “bias blind spot.” This “meta-bias” is rooted in our ability to spot systematic mistakes in the decisions of others—we excel at noticing the flaws of friends—and inability to spot those same mistakes in ourselves.

Wow, that sounds like a modern version of old advise from Jesus.

"Why do you look at the speck of sawdust in your brother's eye and pay no attention to the plank in your own eye?” (Matthew 7:4)

Education and self-awareness do not work because the meta-cognition is not available.

The problem with this introspective approach is that the driving forces behind biases—the root causes of our irrationality—are largely unconscious, which means they remain invisible to self-analysis and impermeable to intelligence.

Therefore we are doomed to live in a Zen paradox.

The more we attempt to know ourselves, the less we actually understand.

Nevertheless, I cannot help but feel education and self-awareness of our biases must be better than ignorance. At least, we can learn to be more tolerant and forgiving of others.

Parents In Contempt

As long as schools hold the public (who pays their bills, by the way) and parents in utter contempt, I seriously doubt that they will be able to build the relational trust necessary to academic achievement. Even worse, is the contempt demonstrated toward those parents and members of the public who are education colleagues who might actually have a message worth listening to. I am just going to tell the story. A friend's child brought home a math assignment on perimeter and area. One of the problems was unsolvable as presented. It looked something like this (I do not have the actual diagram since child already turned her homework in):

The problem is unsolvable because there is not enough information. There is no way to know whether the angles that “look” 90 degrees are in fact 90 degrees. There is also no way to know whether the vertical segment that “looks” like it bisects the base in fact does so. The child made these points in class, but the teacher shot her down. So thinking I was being helpful to a young teacher, I sent her an email. After some brief introductory remarks, I wrote,

... the last problem of a recent homework assignment on perimeter and area had insufficient data to solve the problem.  One of the principles of geometric diagrams is that we never go by appearance.  We solve using givens and proven facts.  Since that particular diagram gave no indicators of equivalent length, bisection, 90-degree angles, etc, no conclusions could be drawn regarding the length of the side opposite the one measuring 15 units, or any other non-given length, without making unsubstantiated assumptions.  We are miseducating children if we teach them, even indirectly, bad thinking habits.  One of the purposes of math instruction is the logical and critical thinking skills it cultivates. And if we are as worried about high-stakes tests as we say we are, we will teach students to think properly.  A favorite trick of bubble tests is to lead the students down a primrose path of faulty assumptions. If you would like discuss ways to help students learn to think, please let me know.  I spent a lifetime teaching math, first to junior high and high school, and later, college students.

The teacher sent a reply that seemed quite understanding, but showed that she somehow missed the point. She replied,

I completely understand what you are saying in the email. I also concur with what you said, however, I did verbally tell the students that angles that appear to be right are. ..However, if the student drew it out on the grid paper, then that student could find an area for the figure they drew. We are at an entry level with these problems, and so I looked at how the student drew the problem out, and determined if their area and perimeter matched that drawing.

Then she asked for suggestions for helping students who are well below grade level. Am I the only one who found the reply disturbing? So I wrote back,

Thank you for your reply. "I did verbally tell the students that angles that appear to be right are."  Angles that appear to be right are most decidedly not right just because of appearance.  I really think that if the student's math level is lower, then it is all the more critical to precisely teach thinking skills.  Drawing on grid paper does not really help, because it only pushes students harder to make unwarranted assumptions.

I closed by repeating my offer to help. Then I got this curt dismissal:

Hi again, Thank you for your response, it seems that on this particular problem I did not satisfy your criterion and I am sorry to have let you down. Have a nice day.

Okay, so she really does not want any help, I guess. And apparently she is happy to miseducate kids. I figured I would just move on, until....the school's guidance counselor contacted me, and let me know that she considers my communication with the teacher inappropriate and unprofessional. Seriously? She even challenged my right to have any conversation with the teacher by pretending that I was discussing a student, not a math problem. Now when I was teaching, the only time I passed communications on to administration was if it contained a personal insult of some kind, of course, a very rare occasion. Maybe it is unfair to extrapolate from one experience, but I assure you, schools routinely show contempt for parents, let alone the public, even the education-savvy members of the public. We must be careful that we as teachers refrain from thinking we get to define the terms of parental involvement. I know plenty of teachers who actually resent fully involved parents if those parents dare to challenge the teacher or the school. Then teachers vilify the parent as a "helicopter parent" in an ad hominem attempt to dismiss with contempt the parent's concerns. A lot of schools want to limit parent involvement to conferences and making cupcakes.

Unresolvable “Science” Debate?

Will the controversy between evolution and creationism ever end? Is it destined to swing forever on the pendulum of public opinion? The entire controversy is sustained by emotional investment in unexamined assumptions on both sides. The latest pretext for acrimony is a Tennessee bill intended to permit teachers “to help students understand, analyze, critique, and review in an objective manner the scientific strengths and scientific weaknesses of existing scientific theories covered in the course being
taught.” In case that wasn't clear enough, the bill repeats its intention from the other way round. No teacher shall be prohibited from “helping students understand, analyze, critique, and review in an objective manner the scientific strengths and scientific weaknesses of existing scientific theories covered in the course being taught.”

I read the bill. It is only two pages of plainly-worded text. It mentions creationism not at all. It does refer to scientific theories, of which there are many, each with its own strengths and weaknesses. However, creationism is not one of those theories because it is not science.

You see, science is all about collecting only evidence that can be perceived with only the five senses. the sense may be amplified as when we use a telescope or other instrument. Science is concerned with explaining data collected only with the five senses.

An explanation that tries to account for extra-sensual data is, by definition, not a scientific theory.
Nevertheless, due to public confusion and the desire of some that creationism be recognized as a scientific theory, it will be in science class that students ask their questions. Teachers need to be prepared to answer them while respecting deeply held religious beliefs.

The bitter acrimony is really unnecessary. It is easy and reasonable for students to accept that science attempts to explain only sense-based data. Most of the problem stems from a widespread misunderstanding of what science is.

As far as evolution goes, it suffers from historical bar-lowering, as it has weaknesses that do not adequately account for the scientific facts. Even within my lifetime, scientists have weakened the definition so much as to create a near tautology: evolution is change over time. Many science texts state it just like that. Others pretty it up a little, “evolution can be precisely defined as any change in the frequency of alleles within a gene pool from one generation to the next.” However, such a definition in non-controversial. Organisms do change over time. Jacob realized it thousands of years ago when he made a deal to work for Laban, receiving only the spotted sheep as his wage. Laban promptly removed all the spotted sheep from the herd. Nevertheless, by careful breeding, Jacob was able to create a herd of mostly spotted sheep from a herd of un-spotted sheep.

Years ago the National Association of Biology Teachers (NABT) used a fairly stringent definition: "The diversity of life on earth is the outcome of evolution: an unsupervised, impersonal, unpredictable and natural process of temporal descent with genetic modification that is affected by natural selection, chance, historical contingencies and changing environments." Unwritten, but understood and unquestioned, was the additional idea that mechanisms of descent were robust enough to account for the change from say, sponge to zebra.

In fact, this unstated implication is the root of the controversy. Pro-evolutionists (as distinguished from scientists) believe the implication; Anti-evolutionists (again, as distinguished from scientists) do not. For many, the implication goes directly to deeply-held belief systems. Later, the NABT deleted the words “unsupervised” and “impersonal.” Today, there is no definition on the website at all. One of the reasons that the definition of evolution has gotten weaker and weaker is that the data, especially as regards speciation, is inconclusive, and fails to support the more robust definition. There are lots of instances where it is not at all clear whether two organisms are member of different species. A high-quality university level biology book addresses the speciation continuum and other issues, but it can be a tough read.

As inconceivable as it may be to some, it is possible to discuss the weaknesses of evolutionary theory without smuggling in creationism. Only ideologues would consider the mere mention of evolution's weaknesses as an attack upon evolution. For critical thinkers, it is the grist of intelligence-making. As F. Scott Fitzgerald said, “The test of a first-rate intelligence is the ability to hold two opposing ideas in mind at the same time and still retain the ability to function.”

How Rigor Empowers Academic Achievement

Maybe we do need another word besides “rigor”, but “challenging” and “rich” are weak alternatives.

Rigor in my teaching practice means conscientious excellence. For example, rigor requires students to differentiate solution from answer. Suppose the question is, “What are the best dimensions for a particular garden?” The student will calculate two perfectly legitimate solutions. One solution will show two negative numbers; the other will show two positive numbers. Students must choose the solution which answers the question.

Or perhaps the question is, How many cars do we need for the field trip. The solution might be 7.2, and it can be the correct solution, but the wrong answer. The answer is, "We need 8 cars." I require complete sentence answers that also include the unit.

I also require students to keep units attached to numbers when they calculate. So the area of a room is not 9X12, with the ft^2 attached later. When students show their work, I want to see 9 ft x 12 ft = 9 x 12 x ft x ft = 108 ft^2. Please do not dismiss my simple example as trivial. This sort of training, call it rigor if you like, pays off big when students must do physics calculations with lots of units running around and sometimes getting lost. My physics students learned that if the resulting unit is not what they expected, they probably also made a more serious mathematical error somewhere. That self check is lost when units are divorced from numbers and remarried at the end of the calculation.

In the earliest grades, rigor may imply making sure students understand the role of an equal sign, and knowing that the horizontal line separating a column of numbers from the result of a calculation is not a substitute equal sign. Many adults graduate from high without a proper appreciation of an equal sign.

Every field has similar examples of the value of conscientious excellence. Most people prefer the two syllables of “rigor” over the seven syllables of “conscientious excellence.” Just because three of the definitions seem negative and harsh does not invalidate the value of the fourth definition. Rigor, properly used, is not a blockade to academic achievement or educational accessibility, but its open door.

What Happened to the Geezer Teachers?

A self-identified geezer teacher asks what happened to all the other geezer teachers. Why is the modal experience one year, not the historical 14 years anymore?

Here is what happened. A lot of proven expert teachers move (for whatever reason) to a new district or a new state. Or maybe they move back to the US after a decade or two teaching overseas in our Department of Defense schools maintained on military bases for the children of military members. When they come back to America, they are "out-of-district" for every district in America.

These expert geezers discover to their dismay that they are unemployable. Most schools choose a novice over an experienced teacher any day of the week. "It's the budget, doncha know."
If budgets were really the problem, schools would jump at the chance to get a geezer at a steep discount. Remember, most districts give only five-years credit for experience on the salary scale. A geezer with 25 years experience is willing to take a 20-year pay cut, but no dice. Schools reject expert teaching applicants every day while simultaneous complaining about looming teacher shortages, especially in math and science.

Those highly experienced education experts even have difficulty getting jobs training the next generation of teachers. Schools of education overwhelmingly prefer a newly-minted PhD over an expert geezer-teacher. Education students suspect their education professor have no substantial experience, and now with so many curricula vitae online, it is easy to confirm the validity of their suspicions.

Meanwhile, California want to help laid-off teachers get new credentials in math and science. Problem is, like most teacher recruitment programs, it targets novice teachers. California schools could start by credentialing the out-of-state math and science teachers they already have. Fact is, a teaching credential will not help. It is only a third strike. The first strike is experience; the second post-graduate education. Teachers with all three strikes are rejected with apologies. Teachers lacking only the credential do not even rate the apology. Districts airily dismiss them as unqualified even though they are probably more qualified than most any other teacher in the school.

States and schools could start by eschewing the check-box method of evaluating qualifications and actually look at what the applicant brings top the table. A top teacher with a fat stellar portfolio should be able to walk into any state credentialing office and walk out with the credential. Instead, the evaluator will likely say something like, “We can't accept your NTE scores, or your scores from the other state's teacher competency tests. Our state has it own more rigorous standards.” (Arizona actually said that to me about my umpteen NTE and California tests, all with scores in the 90+ percentiles, the California credentialer had tears in his eyes when he told me that because of bureaucratic rules, a world-class teacher like me would never get a California credential).

Schools boards are waking up to discover that their schools are staffed with novices. There are few mid-career teachers because experienced teachers cannot get hired, and if they do manage to get hired, they are the first laid off again in the next budget panic (last in, first out), destroying resume continuity. The late-career teachers are retiring. A lot of those mid-career teachers love teaching and would love to secure a stable teaching position, but most of them have moved on. They can be found filing medical records, selling insurance, doing taxes, pouring coffee. Sad. Truly sad. In spite of all the noise, America appears to have the education system it wants.

Kindergarten Academics Is Not Academic Achievement...

...no matter what anyone says otherwise.

Robert Slavin, creator of the reading program Success For All, and before that creator of the reading program CIRC (Cooperative Integrated Reading and Composition), says we know how to make sure every first grader can read.

Imagine that your job were to ensure the reading success of every child in a Title I school by the end of first grade, and you had flexible resources to do it. You'd make sure kids had language-rich preschool and kindergarten experiences,

So far so good, but then he blows it by endorsing the current fad of pushing first grade academics into kindergarten.

learned phonemic awareness and letter sounds in kindergarten, and were taught using proven kindergarten- and first-grade reading programs that emphasized systematic phonics, comprehension, fluency, and vocabulary.

Kindergarten is not the place for academics. Gesell Institute of Human Development Executive Director Marcy Guddemi agrees.

Guddemi said quality early education programs for ages 3 to third grade, the years defined as early education, are essential in providing proper experiences and exploration, rather than to learn more letters earlier.

The extra time in kindergarten spent on so-called academics has come at the expense of schema-building, the foundation for reading comprehension beyond mere decoding. Kindergartners should cut and paste. They should also visit a bakery, the newspaper, the fire station etc., etc. They should plant sunflowers and morning glories, raise butterflies, and experience a whole host of other activities. They should go on field trips every week. When it rains, they should play in the mud.

In Japan, kindergarten teachers are likely to take the kids out into a rain shower and let them model creeks merging into rivulets, and rivulets merging into rivers, flowing into a lake (puddle), as well as the powerful effects of water erosion. On a windy day, the kids will run around with makeshift plastic bag kites, learning how the wind inflates the bag. All these experiences and many more form the treasury of reading comprehension. Children create and refine schemata as they assimilate each new experience.

In other words, schema provides the context for comprehending what we read. Even adults who are excellent readers may decode perfectly but still perceive the result as gibberish is they lack the appropriate schema, as illustrated by the following little piece of prose.

The increased flexibility to adopt a divisional basis other than a territorial or field of use basis entails the need for provisions to prevent abuse and facilitate compliance. Capability fluctuations, whether market-driven or strategic, that materially alter the controlled participants’ RAB shares as compared with their respective divisional interests create the equivalent of a controlled transfer of interests and should therefore equally occasion arm’s length compensation. Accordingly, the temporary regulations modify the change of participation provision to classify such a material capability variation, in addition to a controlled transfer of interest, as a change in participation that requires arm’s length consideration by the controlled participant whose RAB share increases, to the controlled participant whose RAB share decreases, as the result of the capability variation.

Young children, more so than adults, need time to build schema. Pushing first grade into kindergarten is a quick and dirty route leading only to the facade of increased academic achievement.

As Guddemi said “Unfortunately, in an effort to close achievement gaps,” parents and schools have embraced a philosophy that earlier is better. Kindergartens these days burden children not only with “reading,” but also math. More and more schools require kindergarten teachers to teach them to calculate according to algorithms as if they do not know that children can learn an awful lot of math without ever putting pencil to paper. All kinds of activities teach mathematics and number sense, like puzzles.

Let the children play. Of course, the best kindergarten teachers plan and guide play activities. The worst thing we can do is push first-grade academics into kindergarten and call it advanced academic achievement.

The Measly Educator Expense Deduction

A Heritage Foundation study of teacher salaries has provoked quite an outpouring of response.

I would like to address the $250 educator expense tax deduction and some typical hiring practices.

The first $250 a teacher spends on qualifying expenses is an "above the line" deduction, meaning it occurs on the 1040 before the line containing either the standard deduction or the itemized deduction. Any amount exceeding $250 becomes part of the calculation of itemized deductions. Furthermore, teachers can itemize only the amount of educator expenses that exceeds 2% of adjusted gross income. For example, if the adjusted gross income is $25,000, then another $500 would have to be spent before the next dollar can be itemized.

Overcoming the 2% obstacle is just the first step. Unless itemized deductions exceed standard deductions, teachers get no tax benefit for expenditures greater than $250. Those expenditures are therefore not recorded on the tax return. The IRS would have no idea how much teachers are spending by looking at tax returns, because they have no way of knowing how much educator expense the standard deduction swallowed.

On the other hand, when a teacher purchases their own equipment they are free to take it with them to the next school. I purchased several sets of Algebra Gear with my own money, and took them with me. If I had to leave them behind because the school had bought them, I would have to ask the new principal to buy. The answer would likely be NO. I was glad the Algebra Gear belonged to me.

Before 2003, most educators got no tax break because the standard deduction swallowed their expenses. The above-the-line deduction was enacted to remedy the situation a little, but it is a far cry from being a reimbursement. The $250 deduction reduces taxable income by $250. A teacher in the 10% tax bracket would save $25 of income tax. A teacher is the 25% tax bracket (they do exist) would save $62.50. In both cases, the savings is peanuts, but the higher-paid teacher get 2.5 times the benefit. Remember too that the educator expense deduction is perennially on the chopping block, and Congress could eliminate it any year now. Then the 10%-bracket teacher loses even the measly $25 savings.

Private sector workers have out-of-pocket costs. As an aside, one of my pet peeves are bosses who hire go-fers and expect them to use their own car for the boss's errands without reimbursement. Those expenses are not likely to take the go-fer into itemized deductions, so the low-paid go-fer eats it. The boss effectively pays an even smaller wage by foisting business expenses onto a low-paid employee.

As far as teacher salaries go, since tax prep was my moonlighting job, I have seen lots of teacher W-2s. Some seemed really low, especially private and charter school teachers. Some seemed really high like the third grade teacher making $70,000 per year and claiming thousands of dollars of furniture purchase every year. Really?

I have linked to the salary schedule of what is probably a median school district. Typically, you put one finger on your education level and one on your years of experience. Your pay should be where your fingers intersect. However, expert out-of-district teaching applicants are virtually unemployable, ostensibly because they are too expensive. Suppose an expert teacher with “Class IV” education and 15 years experience moves into the district and applies for a teaching position. If you think the pay would be $68,985, you would be wrong. See the typical note at the bottom of the schedule, “experience outside Ventura Unified School District is limited to five years.” That expert teacher's salary would be no more than $51,432. The school district would get the expert teacher for a discount of more than 25%.. In some districts the pay cut is far larger.

Nevertheless, many expert teachers who change districts for whatever the reason are willing to take the cut. Teaching is their livelihood, their calling. Shortsightedly, school administrators would rather pay a novice an even lower salary than hire a proven expert. As baby boomers begin to retire, some schools have realized the hole they have created in their teaching cadre. They have a lot of novices. They have turned away mid-career teachers. Their veterans are retiring. American society has the education system we are willing to pay for.

Illegal Immigrants Pay Taxes--Who Knew

At least the EdWeek article alludes to a fact many Americans consider unthinkable. Many, many illegal immigrants pay taxes. Furthermore, they pay at higher rates than citizens or legal immigrants. Social Security and Medicare withholding operate on ITIN filers as a flat tax of 7.5%, taken right off the top (before calculation of income tax, which is additional), and their employers pay an equal amount.

However, they are unlikely to ever be able to claim benefits because they do not have Social Security cards. “Estimates for 2010 are that ITIN tax filers paid $9 billion in payroll taxes to support Social Security and Medicare, according to NCLR.” Say 'thank you” to illegal immigrants who contribute so much to the rest of us.

Illegal immigrants have never been eligible for the refundable Child Tax Credit on the same basis as the rest us. Their credit is limited by the amount Social Security and Medicare withholding. Presuming they have three qualifying children, someone making $30,000 cited in the article would not be eligible for the full $3000, but only for $2250 (7.5% of $30,000). Problem is, although they may have children, often their children do not qualify them for the Child Tax Credit. The payroll tax cut reduces their Child Tax Credit because it reduces Social Security and Medicare withholding. Instead of $2250, this past year the maximum Child Tax Credit for a family making $30,000 with three qualifying children was $1650. Extending the payroll tax cut means this is the second year the potential Child Tax Credit for those filing with ITINS will be reduced.

Illegal immigrants also completely lose the Earned Income Credit, again effectively raising the amount of tax they pay relative to citizens and legal immigrants. At the 10% tax bracket illegal many immigrants pay what is effectively a 17.5% flat tax, higher than Warren Buffet and his secretary.

The article conflates more than legal and illegal immigrants. It also conflates Child Tax Credit with Child Care Credit, a completely different credit unlinked to Social Security and Medicare Withholding. Again, many ITIN filers, even though they have children, may not qualify for the Child Care Credit.
Furthermore, while it is true that every illegal immigrant will use an ITIN to file a tax return, it is not true that every taxpayer using an ITIN is illegal.

It's the Poverty, Stupid: Part 2

This is the second part of a two part series. The first part discusses poverty in general, especially as it applies to the Occupy Movement. The second part relates poverty to the link between academic achievement and the economy.

Let me say this very clearly. The 1% are pretty much irrelevant to the education of (most of) the 99%. There is a motivating myth in our society that hard work will pay off financially. True to human nature, people cannot seem to resist putting everything in pendulum-swinging, either-or terms. Get an education and get rich. Forego an education and be poor. As if 1% of the population is rich and the full 99% are not. The Occupy movement got the Gallup people to wondering, so they melded 61 surveys to come up with a demographic comparison of the 1% and the 99%. What they found is startling.

The official top 1% of American households in 2010 includes those with incomes of at least $516,633, according to data from the Tax Policy Center as reported in The Washington Post.

Unsurprisingly, 49% of the 1% have postgraduate degrees, compared with 16% of the 99%. We have all heard critics of the Occupy activists say that if they stopped occupying and worked as hard as the 1%, they too might have a chance at becoming the 1% (a mathematical impossibility, given the nature of percentages,but never mind).

This is not to say that college degrees guarantee vast wealth. To the contrary, only a small fraction of all Americans who report having a postgraduate education (1.5%) or an undergraduate degree but no postgraduate education (0.8%) fall into the top 1% category. However, the comparable rates are many times smaller -- no greater than 0.3% -- at all other educational levels.

Let's get this straight. Although nearly half of the 1% have postgraduate degrees, only 1.5% of postgraduate degree holders are members of the 1%. In other words, the 1% did not get there by virtue of their education; they were born into the 1%.

Maybe we should look at the median knowing full well that raising the median income will also move the median. There will always be an amount that 50% fall above and 50% fall below. The 2010 median income in the US is $49,445. Instead of obsessing on statistics, we should focus ensuring that all students have a fair shot at reaching their potential. Fact is, poverty dramatically reduces those chances. Fact is, Dad's socioeconomic status is the major predictor of children's socioeconomic attainment. Fact is, worthless either-or polarities aside, education is still the best route out of poverty.

More generally, college education is strongly correlated with household income. Nine percent of Americans earning less than $20,000 per year are college graduates; this rises to majorities of adults in all income groups above $100,000. Similarly, few adults in low-income households have postgraduate education, and this rises only into the teens among middle-income adults. But it sharply increases among those earning $100,000 or more, peaking at 49% among those earning between $250,000 and $499,000, and those earning at least half a million.

What the rich do for their children is put them on a different “trajectory” of wealth.

some high poverty schools that were also high performing. These schools were able to lift student achievement, close gaps, and set their students on a trajectory of success.

The differing trajectory include a differing frames of reference, work approaches and loci of focus. Rich kids “inherit” a different ability to compete and different access to opportunity. Even the family junk mail is different. We could begin by funding all schools equally, ignoring the protests of those who say they do not want their tax money paying for other children, or those who hesitate to donate if they cannot designate which school receives the donation.

In the United States, we actually fund poor schools less than other schools. The highest performing countries do the opposite. More than that, the highest performing countries have less poverty because they invest in infrastructure designed to expand the middle class. In the United States, we are killing the middle class, and our student achievement will pay a dear price.

We could stop pointing to achievement outliers as feasible role models. Just because Abe Lincoln did it does not mean everyone can (and it's your own darn fault if you don't). Every field has outliers. Not every highly talented cellist can be Yo-Yo Ma. Not every great tenor can be Pavorotti. Not every terrific actor can be Meryl Streep. Not every highly skilled computer geek can be Steve Jobs. Most of us do not realistically have a chance at being the 10%, never mind the 1%. If you make more than $138,000, you make more than 90% of the population.

In my experience, success at high poverty and high performing schools is not based on merit pay, high stakes testing, vouchers, bureaucratic personnel evaluations systems, alternative certification, or any other glitzy idea that politicians seem to embrace so easily.

In fact, what American education needs most of all is a blessing high performing schools enjoy on an individual basis, a blessing high performing education systems take as a societal given, relational trust. Another disturbing fact: too many powerful stakeholders in our society are well-satisfied with the education status quo for their own self-interested reasons.

It's the Poverty, Stupid: Part 1

This is the first part of a two part series. The first part discusses poverty in general, especially as it applies to the Occupy Movement. The second part relates poverty to the link between academic achievement and the economy.

Tracking the stories we tell each other can reveal societal and cultural priorities. When the middle class was big, strong and vibrant, preachers claimed that when God promised His people abundant life, he meant believers would be healthy and wealthy in today's world. Now that income inequities have never been greater, churchgoers do not hear the “prosperity” gospel so much.

On another front, the US Census Bureau recently modified the determination of poverty levels. However, as Aaron Task points out, media avoids covering the rising rates of poverty in America.

Rising poverty is a national tragedy and a brewing humanitarian crisis in America...Most groups saw their poverty rates increase using the new calculations, including married couples, whites, Asians, immigrants, homeowners with mortgages, those with private health insurance and the elderly...I didn't hear one word about this during the Republican Debate on Wednesday and you probably didn't hear much about it either...I'd like to take the rest of the so-called serious media to task for burying this story.

I get that poverty is a depressing topic and a change to how it's measured is a complicated story to tell. But I've never had a viewer tell me they want LESS depth or more 'infotainment.'

More than ever Americans want news organizations to focus on the hard stuff...instead of the salacious (Victoria Secret's runway show), the sensational (Sharon Bialek's press conference), the sophomoric (Rick Perry's 'oops' gaffe) and the ridiculous (anything about the Kardashians) developments that pass as "news" in our society.

Blaming the media is easier on the collective ego than each member of the 99% taking personal responsibility for their contribution to the problem. Media companies sell what they perceive consumers want to buy.

Bashing the press is great fun. But the fault, dear Brutus, is not entirely in our media stars or their corporate overlords...it's important for all of us to be aware of the messages we're sending to the media in the stories we watch, share, favorite and Tweet about.

Same with the Occupy Movement. The 1% did not cause the Great Recession all by themselves. Corporations had a lot of help from greedy members of the 99%. After all, the income line between 2% and 98% is merely $250,000. Remember median income means 50% make more and 50% make less. One reason for the backlash from the so-called 53% is that some of them are (or were) your next-door neighbors and their enablers such as real estate agents, financial advisers (read: salesmen), mortgage sellers, landlords, property managers, employers, et al, who take their cut and move on, leaving economic ticking time bombs in their wake. For example, in 2003 did any real estate agent tell prospective buyers NOT to buy because houses were so overpriced relative to the underlying demographic? No, like Pavlov's dogs, they drooled over the mere thought of those juicy commissions.

Remember what your mother said. When you point a finger at someone, there are three fingers pointing back at you. The story is told that Lord Chesterfield famously entered a contest to write the shortest possible essay identifying the biggest problem in the world. His response? “I am.” Members of the 99% who are actually serious must first look to themselves. For example, landlords need to charge fair rent relative to the typical income of tenants, instead of what the market will bear. Tenants need to take good care of other people's property. One-sided contracts must be rejected in favor of contracts that promote mutual benefit of both parties.

Wherever economic injustice is occurring, the 99% must make their power of their mass felt. For example, close bank accounts with exorbitant fees. Actually, banks should not be charging maintenance fees at all. The depositors own the capital that banks use to make money. For the privilege of use, banks should pay a fair rent, called “interest.” This interest needs to be equal to at least the rate of inflation in order to prevent erosion of value and buying power. If depositors lock up their money in a CD, then the interest rate should be greater than the rate of inflation, increasing with the term length.

Reject the bank manager's insistence that interest rates need to be near zero because the bank is a profit-making business. Paying fair rent for use of someone else's property is a cost of doing business. We know what would happen if a store owner told the lease holder he was no longer going to pay rent in order to make a profit. We have recently learned the power of consumers in mass when banks canceled their plans to charge monthly debit card fees. What was the consumers main argument? “It should not cost me money to use my own money.” Same goes for maintenance fees and interest rates.

Refuse to rent from landlords and property managers who charge rent in excess of the HUD zip-code-based fair market rates. Report poor landlords and their properties to your city. If you are justifiably afraid to do so, go to your local Occupy Movement and find out if someone there can collect a group of anonymous reports from present or former tenants to present to the city hall.
If you need a financial adviser, seek out the rare one who not a salesman. This is hard because certification is less about learning to be a competent adviser and more about getting a license to sell financial products. A clue: an ethical financial adviser will not try to sell you what you do not need, like stocks when you have an insufficient emergency fund.

“One critique of the protest is it lacks a unified message or mission. Indeed, in my reporting I found evidence of people supporting any number of issues, including:

* Higher Taxes on the Wealthy
* Prosecution of Financial Fraud
* Anti-Fracking and other "Green" issues
* Mortgage Modifications
* Campaign Finance Reform
* Anti-War
* Universal Healthcare
* Student Loan Forgiveness and, of course,
* Jobs, Jobs Jobs

So, sure, maybe the Occupy Wall Street movement is a bit unclear in its views and lacks leadership. But to those who mock the protesters, I have to ask: What exactly is it that you're defending? Crony capitalism? Bank bailouts? Rising income inequality and the slow death of the American dream?”

March if you want. Sit on the grass if you want. In the meantime, take concrete steps aimed at encouraging the rest of the 99% to resist exploitative, zero-sum type capitalism in favor of fairness. Do not let anyone suggest that fairness is synonymous with entitlement or that other favorite emotional button, socialism. It is not. The 1% are not the only ones who keep the profits but pass on the losses. Many members of the 99% either do the same thing, or would if they could. The 1% do it so spectacularly.

I mean, what do you make of Santa Barbara's Occu-Pirate$?

The Occupy Santa Barbara protests on Saturday brought out the “Occu-Pirate$” to represent the 1 percent vs. the 99 percent of the people. Dressed as pirates, they wore signs and shouted slogans, including “Money Is Power,” “Profit Is King,” “All Hail the Mighty Dollar” and “Pirate$ for Corporate Personhood.” When the Occupy group marched up State Street, most of the crowd chanted, “We are the 99 percent!” while the Occu-Pirate$ chanted, “We are the 1 percent!”

Personally, when I came back from a long sojourn overseas quite a while ago, I was appalled at what had happened to America while I was gone. I felt like Rip Van Winkle as I took steps to re-establish myself, opening bank accounts, buying health insurance, etc. I said at the time that I wondered why Americans were not marching in the streets. A friend recently told me that I have gotten my wish. One reason for the long apathy might be the lack of financial education in our schools. It is a common canard that a democracy requires educated citizens. That education must comprise both civics and finance. Finance is not yet another curricular add-on for an already overly burdened education system, but a necessity for our students' adult lives.

Omnipresent Poverty and US Competitive Advantage

Using test-scores to hold teachers accountable for student education variables not under teacher control is clearly wrong-headed, but for some reason, it makes illogical sense to many education policy-makers. Similarly, using test-scores from international comparisons to hold teachers responsible for the nation's economic health makes even less sense. There are just too many variables outside teacher control.

“Although we cannot predict future economic trends, we do know that test-score rankings are a poor basis upon which to understand these trends or to know what to do about them. The reason is clear: Other variables, such as outsourcing to gain access to lower-wage employees, the climate and incentives for innovation, tax rates, health-care and retirement costs, the extent of government subsidies or partnerships, protectionism, intellectual-property enforcement, natural resources, and exchange rates overwhelm mathematics and science scores in predicting economic competitiveness...

“It is specifically the low-income populations... that are at the most severe disadvantage in competing for jobs in a global economy.”

For example, the children of a local district supervisor did not have to go looking for high school jobs. The shakers and movers CALLED HIM to offer his children great jobs. Nevertheless, "the adverse effects of poverty and concentrations of poverty in schools (affects) student performance in all countries." Even so, if international comparisons favored the US, we would be crowing, not attempting to explain them away.

First, our rhetoric has assumed that test-score rankings are linked to a country’s economic competitiveness, yet the data for industrialized countries consistently show this assumption to be unwarranted. For example, the World Economic Forum’s 2010-2011 global-competitiveness report
ranks the United States fourth, exceeded only by Switzerland, Sweden, and Singapore. Many of the countries that ranked high on test scores rank lower than the United States on competitiveness—for example, South Korea, No. 22, and Finland, No. 7.

The same report shows that the US has actually lost two places in the last year, dropping from No. 2 to No. 4, while Sweden, Germany, Japan and the Netherlands, all in the top ten have each gained two places. What we need to remember is that test-score rankings may be a leading indicator, that is, the significance of the rankings is that they may foreshadow future competitiveness (or lack thereof). The sheer size of the US economy may guarantee its competitiveness, at least in the near term.

Many observers worry about the future competitiveness of the U.S. The reason may be the increasing poverty of US students at a time when US income inequities are increasing at alarming rates.

The upper 1 percent of Americans are now taking in nearly a quarter of the nation’s income every year. In terms of wealth rather than income, the top 1 percent control 40 percent. Their lot in life has improved considerably. Twenty-five years ago, the corresponding figures were 12 percent and 33 percent. One response might be to celebrate the ingenuity and drive that brought good fortune to these people, and to contend that a rising tide lifts all boats. That response would be misguided. While the top 1 percent have seen their incomes rise 18 percent over the past decade, those in the middle have actually seen their incomes fall...Economists long ago tried to justify the vast inequalities that seemed so troubling in the mid-19th century—inequalities that are but a pale shadow of what we are seeing in America today.

My local newspaper just reported that 50% more people fell below the poverty line this year. Poverty, especially chronic poverty, limits opportunity in ways the public does not fully understand. As a simple illustration, even junk mail is different. The poor get credit card offers, the rich get stock tips.

First, growing inequality is the flip side of something else: shrinking opportunity. Whenever we diminish equality of opportunity, it means that we are not using some of our most valuable assets—our people—in the most productive way possible

For example, a poor child is not going to be able to study violin to a proficiency sufficient to make a decent living. The instrument, lessons, books, sheet music, competitions, concert apparel, etc. all cost too much. Even a talented musician who works really hard to overcome the effects of poverty and persevered by his own tenaciousness may find the poverty disadvantage too overwhelming. Such an academically high achieving musician will likely be compelled to abandon music in favor of a career that will actually pay the bills, and relegate his superlative violin-playing to a “hobby.” Who knows how much talent has been lost?

America has long suffered from an under-investment in infrastructure (look at the condition of our highways and bridges, our railroads and airports), in basic research, and in education at all levels.

Schools do not lead society; they reflect society's priorities. Education is simply not a priority for US society.

“The top 1 percent may complain about the kind of government we have in America, but in truth they like it just fine: too gridlocked to re-distribute, too divided to do anything but lower taxes...But one big part of the reason we have so much inequality is that the top 1 percent want it that way.”

The same could be said for education.

The Lake Wobegone Effect Plagues Parent Surveys

THEN (not so then)

A 2008 poll from Education Next and the Program on Education Policy and Governance (PEPG) at Harvard University found that Americans are increasingly disappointed with public schools, and that by a 3 to 2 ratio believe that Democrats have a better record on education than Republicans (Q18) and are more likely to improve schools (Q19). The other, a Phi Delta Kappa (PDK)/Gallup poll, found that most Americans believe a President Barack Obama (46%) would be more likely than a President John McCain (29%) to improve public schools.

As with surveys in other fields, respondents rate themselves higher than others.

As other surveys have shown, the public’s evaluations become somewhat more favorable when the subject turns to the public schools in their own communities (see Figure 1)... But teachers offer the schools systematically higher grades than the rest of the public. Thirty-four percent give the schools an A or a B, while only 14 percent give them one of the two lowest grades (Q.1).

The demographic at the losing end of the achievement gap ranked the nation's schools even lower. This group also depends most on public schools.

On the whole, survey respondents offered slightly lower evaluations of the nation’s schools in 2008 than they did in 2007, and some groups posted sharp declines. Twenty-seven percent of African Americans gave the public schools an A or a B in 2007, but in 2008, that figure fell to 20 percent. Meanwhile, the share of African Americans giving schools a D or an F rose from 20 percent to 31 percent. The share of Hispanics awarding schools a similarly poor grade doubled during the period, from 16 to 32 percent.

Although public school teachers (34% A or B) graded public schools significantly higher than the general public (20% A or B), nevertheless teacher opinion implies that a full 66% of teachers believe public schools are performing below expectations. For the education system of the richest, most powerful country in the world, a C or below is simply unacceptable.


40% of teachers gave schools nationally an A or B grade, but 61% gave their local schools an A or B grade. It seems obvious that teachers are essential to school reform, but if all politics is local, and by extension, all education reform is local, education reform must overcome teacher satisfaction and consequent inertia first.

Perhaps surprisingly given union activism on the issue, somewhat more public school teachers (47%) favor the formation of charter schools (Q11) than the general public (42%). On the other hand twice as many public school teachers (33%) oppose charter school compared to the general public (16%).

The survey concluded, among other things, "...while Americans retain an abiding commitment to public education, the grades that they assign the nation’s schools are increasingly mediocre."



AND NOW

The 2011 Gallup/PDK poll found 69% of Americans give high grades to their local teachers.

Perhaps the most significant finding was that more than 70 percent of Americans said that they have trust and confidence in the men and women who are teaching in public schools. The percentage of Americans who would grade their local schools as A’s or B’s continues to be at an all-time high. The percentage was even higher among people under the age of 40...

69 percent of Americans would grade teachers in their communities with an A or B – higher than their principals or school boards. This confidence also exists despite the fact that most Americans said that they hear more bad stories than good stories about teachers in the news media.

As usual, people graded their community schools higher than the nation's schools (page 18 and 19). 51% gave their their own children's schools an A or B, but 81% rated the nation as a whole C or below.

In Lake Wobegone, all children are above average. Most Americans seem to think their children go to Lake Wobegone schools.

The Teachers' Social Security Safety Net

Over at Justin Baeder's blog, there is a lively discussion of Social Security. I suspect I provoked some of it. Please read the original blog entry and its comments for the context of what I am about to write.

Justin says, “...but as a 30-year-old, I'd much rather just pay SS tax and never get anything back (to provide a societal safety net for others) than have additional money taken from me only to be given back later at a very poor rate of return.”

Kudos to you, Justin, if you are really fine with paying in and never getting anything back in order to provide a safety net for others. There are plenty of people who resent Social Security precisely because it is a safety net. They would rather think of it as an investment or an entitlement instead of the insurance program it was designed to be. Before the Baby Boomers came along (don't blame them, blame their parents:), the 1% premium was cheap insurance. In the 1980s, it was raised to 6.2% to save for the Baby Boomers. It would be nice if the premium could drop back once the Baby Boomers are gone, but I do not see this happening for at least three reasons.

1. The Boomer Echo-Baby Boomers had kids, and the Echo Generation is having kids, so the population is permanently higher than without the Baby Boomers.
2. Spoiled Government-The government has gotten used to having the extra funds to borrow for General Fund expenses.
3. Longevity-People are living longer, thus needing the safety net for longer periods of time.

As far as the 12X return is concerned, please remember that one dollar is not the same as another. If I bought, for example, Netflix stock a year ago for around $150 and sold at about $200 recently, those dollars are roughly the same dollars, so the 33% gain is an accurate perception. However, if I bought GE in the early 1970's for $1.00 and sold for $55, close to GE's historic high 30 years later, it appears to be a super impressive 5400% gain. But consider what $1.00 could buy in the 1970's versus what it could buy in 2000. Here is a sample: A $0.05 ice cream cone from Thrifty cost $2.79 now, a 56x or 5480% increase. Here's another: It used to cost $0.25 to go swimming for four hours in the community pool. Now it costs $5.00, a 20x or 3100% increase. I remember these figures because I used to ride my bike to the pool every Saturday and get an ice cream cone on the way home out of my dollar a week allowance.

Consider an index fund that tracks the DOW. From the 1970's to 2000, the index fund would have posted a gain of only 14x or about $1310%. If you retire now, you have had no additional gain due to the “lost decade.” Beloved Thirty-Somethings, this could happen to you. If the index fund is your retirement, regardless of the appearance of being a multi-bagger, it did not keep up and will only lose ground to future inflation during retirement when the typical retiree converts it to a fixed-income stream.

The 12x return on Social Security only has the illusion of being huge. The fact is the 12x increase is potentially sustainable because past dollars, present dollars and future dollars are not the same. Even so, the nominal 12x return on Social Security payments will not even pay the rent.

So Justin is partially right. Individual investors have the potential to get a return great than that of Social Security. The question is whether individual investors can actually achieve such a return, and more importantly, keep it. Statistics say that regardless of what the historical returns of the market may be, the typical individual investor get a 1% return. And to get that paltry return, they have to break the first rule of investing: do not put money at risk you cannot afford to flush down the toilet. Retirement savings surely qualify.

People have learned the hard way they cannot count on their 401(k) plans, not only because of market risk, but also because studies have found that most 401(k) plans are actually pretty low quality. In my mind, maybe the best thing to do is buy a house when the rent vs. buy comparison is in your favor. Even if you end up spending twice the price of the house because you took the full 30 years to pay, you would have paid a similar amount anyway as rent and have nothing to show for the rent after 30 years. At least with a house, after 30 years you have secured a roof over your head. You can keep it for only the cost of the approximately 1% property tax, reducing your total retirement expenses by at least 25%-30%. Then your Social Security benefits, if you need the safety net, can go toward other expenses like food.

Many, many people, even after a lifetime of hard work and doing everything right, are finding themselves looking over the edge of the abyss. Dear Thirty-Somethings, this could be you. And if you are a public school teacher, there are people out there going after your so-called exorbitant pension.

Last Hired, First Fired Punishes Expert Teachers

Steve Owens has posted quite a fine article about the single salary schedule used by most districts to determine teacher salaries.

I'm afraid Mr. Owens' article leaves out some important information about how most schools actually implement their single salary schedules.

The single salary schedule rewards only teachers who stay in the same district their entire career. A teacher who moves to a new district is deemed an out-of-district teacher. IF such a teacher can even be hired ( and the more years of experience, the more unemployable), that teacher will have to take a pay cut to the level of 5 years since most district will give credit for no more than 5 years of experience.

Pity the teacher who returns to the US after decades of experience overseas as a DODDS teacher. They are out-of-district for every district in America. They have to be willing to take a steep pay cut relative to their education (most have Masters degrees) and experience. They are bargain basement teachers, but most schools consider their extra pay too high when compared to a new graduate with no experience “because we have budget cuts, doncha know?”

Mr. Owens states, “Seniority is "last in, first out" which prevents veteran teachers from being terminated in favor of younger, cheaper workers.” Last in, first out also guarantees that newly hired expert teachers will be the first let go, in favor of younger, cheaper teachers, never mind the expert teacher is a bargain to begin with.

He also states, “A large population of career educators has stuck around, and has acquired additional training and education.” It is just those teachers, who should be rewarded, who are punished by the way the single salary schedule is implemented in most districts.

Many private schools have similar single salary schedules and implement them with the same deleterious policies and effects.

Why Data Drives (Instead of Informing)

According to Justin Baeder, “Data is merely one tool at the disposal of skilled, experienced, and knowledgeable professionals.”

The crux of the matter is no one is confident that our classrooms are indeed staffed by “skilled, experienced, and knowledgeable professionals.” In fact, just the opposite. Districts routinely reject expert teachers in favor of novices, whether traditionally or alternatively certified. Even more unbelievable, it is possible for expert teachers to encounter insurmountable obstacles to certification in other states.

No wonder expert teachers end up selling insurance.

No matter how much we debate teacher accountability and the control, or lack thereof, that teachers have over the variables which affect academic achievement, it is beyond dispute that teachers have a huge impact on quality of instruction. The first thing our society needs to do is value education, not only in word, but in deed, by ascribing to teachers the highest esteem. Only then will schools of education be able to accomplish their first thing, becoming way more selective. That way our most able students may be attracted to a career in teaching.

Right now, about half our education students are idealistic and highly able, and another half are pragmatically looking for a job. There need to be a lot more of the first group. Nevertheless, Mr. Baeder's points about the role of data are well-taken. Data is in the driver's seat because teachers are not.

“Do Education Schools Give Too Many A's?”

That is the question posed by a recent EdWeek article and answered in the affirmative by a recent study out of the University of Missouri which found that students majoring in education at public universities receive “significantly higher grades” than other majors at the same universities.

Several years ago a prominent local newspaper asked for and got a massive Excel file containing the grades all professors gave for an academic year at one of the state universities. As a courtesy, the university emailed the same Excel file to the professors and thus I acquired a copy. No student names were divulged; grades were aggregated by class, then section and then sorted into grade categories without cross-referencing student majors. Nevertheless, it was very clear that education grades are one to two grade points higher than other course grades. Only rarely does an education professor hand out anything but an A. The main exceptions were the “Math for Elementary Teachers” classes, taught not by members of the education department, but by mathematics faculty. Frequently, as many as 50% of the students fail this gatekeeper class on the first attempt.

In this state university, students must pass “Math for Elementary Teachers” in order to apply to the College of Education. I have seen students repeat the class three and four times. One student, exultant that she had finally passed, confided to me that she passed only because the professor got bogged down in multiplication and never covered fractions, decimals and percents, the topics she failed the previous times. What grade does this student aspire to teach? Fifth, the grade that is all about fractions, decimals, and percents. And what did this student propose to do to overcome her evident math weakness? “I'll figure it out when the time comes,” she said. It made me wonder how many elementary teachers are trying to figure it out in classrooms all over the country.

Fact is, if they have not figured it out before they graduate, they probably never will. Targeted intervention has been a disappointment.

At the end of the second year of implementation, the PD program did not have a statistically significant impact on teacher knowledge.

Teachers cannot teach what they themselves do not know. Even more startling, the math teachers in the study were middle school teachers, not generalists like elementary teachers. Nevertheless, what makes the study somewhat generalizable to elementary teachers us that only 23 percent of the middle school teachers in the study majored in math or a math-related subject.

I am guessing the professor stuck on multiplication faced a dilemma. He was stuck because so many class members were struggling. Does he slow down in hopes of achieving mastery, or does he press on and cover the required material even though he knows he is probably guaranteeing failure? He actually has two dilemmas. If he presses on and fails the repeaters, some of them might abandon education. But the department wants the tuition money. Slowing down is a win-win for the professor and the department. The professor artificially passes students. They give him glowing evaluations and he gets to keep his job. The department is assured of receiving tuition dollars until students so passed graduate. However, it is an eventual lose-lose for the student and later as a teacher, the teacher's students.

High education grades are a puzzlement considering that education students typically have lower SAT and GRE scores. I recall a challenging professor in my grad student days. The class was educational statistics. My classmates complained bitterly and even circulated a petition to replace the professor with someone “easier.” One classmate said with a straight face, “If we wanted to work hard, we would have majored in something besides education.” I wrote a letter to the chancellor defending the professor and angering my classmates who insisted that we needed to present a united front. The professor lost his job anyway. The university decided there was no point in keeping a professor if students refused to sign up for his class in the future because of the scuttlebutt. Need I mention that the object lesson was not lost on the rest of the education professors.

At the end of our studies, my cohort held a thesis party where we drank tea, ate cookies and passed around our theses. I was shocked at the low quality of the theses and embarrassed that all these people would get the same degree as me for a lot less work. I worked hard on my research, and the data later became the basis for a widely adopted curriculum design. I had all A's for my course work, but so did the rest of my cohort. Big deal. I felt that their degrees, acquired so easily, devalued my degree. Only later did I discover the low status of education degrees.

Some of my classmates have since become education professors themselves. Some critics of the Missouri study think the reason education students get higher grades is because they are taught by experienced trained educators. Not. In 2009, I did a small exploratory study examining curricula vitae of education professors. More than half listed no significant teaching experience on their curriculum vitae.

At this point in my life, I have observed three education departments either as a student or as a professor. It seems to me the grade inflation is a kind of mutual symbiosis. Both the professors and the students have an unwritten understanding: students get As, professors get glowing student evaluations.

Me, well I did not get the memo. (Well, maybe I did but I ignored it.) The first time I taught a curriculum class, I gave the students, predominantly seniors, a list of all the assignments for the class and their respective due dates. The next day half the students dropped because there was too much work. They signed up for classes with a lot less work. Came time for the midterm, an open book test, most of them brought no book. Based on their experience in other education classes, many had not bothered to purchase it. Of those who had brought the book, it was perfectly obvious they had never opened it, even though there had been assignments that (supposedly) required at least a little bit of information from the book.

I returned their midterms with no grades. I gave a lesson on writing essays, because according to them, no one had ever explained what “compare and contrast” means, or how to defend an opinion. They believed that an opinion piece could never be downgraded because “everyone is entitled to their own opinion” and “opinions cannot be wrong.” The idea that they were being graded on how well they defended their opinion was news to them. I was accused of being unfair for not telling them my grading criteria. I gave them a second chance to write their midterms, but with the additional requirement that the tests must be typed, proofread, and properly cited. I gave them a week. Most simply typed up the exact same garbage I had returned the week before. At least they corrected the spelling.

Then there was the student who missed the final exam because she went to The Price Is Right. She acted surprised when she failed the class. She went to the chair and complained that I was destroying her dream to be a teacher.

I wondered what some of the other professors were doing, and when I became a university supervisor of student teachers, I found out. My charges uniformly expressed surprise at the superior quality of my feedback after observing their lessons. They often asked why their methods classes (especially math methods) did not teach them any of this stuff. I asked them what they had done in their methods class.

“We just played with manipulatives.”

“What did you think of that?”

“We loved it. It was fun.”

“What do you think now?”

“I think we should have not given our instructor such great evaluations. S(he) didn't teach us what we needed to know.”


One education professor, who had been the state Teacher of the Year (don't start me on what a bogus award that is. Maybe one day I will devote a whole post to it), thought his science methods students should complete science fair projects and display them at the upcoming science fair. The professor's idea was that teachers should be more in touch with students by completing the same assignments.

The education students produced no better displays than fourth graders and in many cases, their work was much worse. Okay fine, but did their grades reflect the quality of the work? In what was probably a tactical error on the professor's part, he had posted grades and notes on the backs of the project boards where I read them. Each and every student got an A. Each and every student got a nice comment, like, “You will make a wonderful teacher.”

Punitive student evaluations are only one problem. The professor who does not play ball will have other serious problems. In another class of mine, eight students failed. In utter shock, they went to the department chair who took it upon herself to forge my signature on grade change forms for them. When I confronted the chair, she said the students who failed were in a scholarship program to foster higher rates of university attendance among certain populations. If they did not maintain at least C averages, they would lose their scholarships, and the department would lose their tuition money. Naturally, the relationship between the chair and myself was never the same.

As another EdWeek article points out, “It is common knowledge that graduates of university-based teacher education programs find their student-teaching experiences more valuable than their other coursework.” Perhaps if the course work were both more relevant, practical and rigorous, education students might feel they had gotten their money's worth and our schools would have true professionals for whom administrators would not feel the need to buy scripted curriculum.

Do Education Schools Give Too Many A's? Yes, yes, a thousand times yes.