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Tuesday, January 8, 2013
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How To Profit From The Impending Bursting Of The Education ...
I urge all to review those articles for the verbose nature of this topic lends to rampant cross referencing.?
In the?previous installment of this series, I walked through the math that basically invalidates the pursuit of a 4 year degree for nearly everyone that needed to finance it through school loans at 6% or higher. The basis of this invalidation was the poor quality of the asset backing the loan, the degree itself. This installment will walk through the logic that dictates the quality of said asset, but before I delve into said diatribe, I want to illustrate for the non-finance types the relationship between assets and liabilities and the path to insolvency that ensues when you use debt to purchase inferior and/or depreciating assets ? basically the crux behind the??and?.Knowledge?is a familiarity with someone or something. That familiarity can include?facts,?information,?descriptions, or?skills?acquired through?education, which also includes experience. Knowledge refers to both the theoretical and practical understanding of a subject. Knowledge can be implicit (as with practical skill or expertise) or explicit (as with the theoretical understanding of a subject). I am here to sell implicit knowledge, better known to the old school as know how, or more formerly known as ?Knowledge How??.
Knowledge that vs Knowledge How
In academia, the kind of knowledge usually proffered is?propositional knowledge, more colloquially described as ?knowledge that.? ?Knowledge that? or ?know that? is distinct and should be discerned from ?knowledge how? (know how). The best way to describe this concept is to use simple real life examples. In mathematics, it is commonly known?that?(hence knowledge that, or know that) 1 +1 = 2, but there is also knowing?how?to add the numbers one plus one together and understanding what their sum (two) is.?
In physics, we can take this concept even farther. It has been argued to by college age students of knowledge that (who are currently mired in academia) that a physics engineer cannot approach know how without being first well versed in know that. This is a mindset that is the result of today?s modern academic group think.
This concept is also easily enough disproved by using a common example known to most of us, and that is riding a?bicycle.?The theoretical knowledge of the?physics?involved in maintaining a state of?balance?on a bicycle (knowledge that, or know that) cannot substitute for the practical knowledge of how to ride (knowledge how, or know how). The importance of understanding how to ride a bike is obvious, established and grounded ? at least to those interested in bike riding. There is absolutely no prerequisite of having the theoretical knowledge of the physics involved in maintaining the state of balance of the bicycle to learn to ride the bicycle, nor to ride it proficiently, nor to pass this knowledge on to others. Thus, it is obvious and clear that an engineer does not need to be versed in ?know that? to move on to ?know how?. Any failure to acknowledge the distinction between knowledge that and knowledge how can lead to?vicious regresses.
A distinction must be made between infinite regresses that are truly ?vicious? and those that are comparatively benign. A truly vicious regress is an attempt to solve a problem that by and large re-introduced the initial problem in the (or as the) proposed solution.?Examples of this can be found in today?s global Ponzi scheme of using more debt to solve the debt dilemma of Greece, thus the ease of my predicting serial re-default.?This is not truly a practical (or doable) solution, and as one continues along these lines, the initial problem will recur infinitely and will never be solved. Not all regresses are vicious, however the truly circular argument is. This is the crux behind the article, ?How Inferior American Education Caused The Credit/Real Estate/Sovereign Debt Bubbles and Why It?s Preventing True Recovery??and the reason why the?Pan-European sovereign debt crisis?is nowhere near being solved (again reference??Greece Reports: ?Circular Reasoning Works Because Circular Reasoning Works? ? Or ? Here Comes That Default!!!). Remember,?failure to acknowledge the distinction between ?know that? and ?know how? leads to?vicious regresses. With academia being a bastion of ?know that? rooted in the rote memorization of facts and information bits, those well versed in know how can literally run circles around those immersed in said schools of thought once it comes to problems solving, value creation and getting things done (or undone) in the real world.?
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It is the reason why the legion?s of ivy league academics failed to foresee following while I clearly articulated the risks and consequences well beforehand:?
I have a rich history in seeing and benefiting from the things that the ?know that? crowd cannot perceive. Reference?Who is Reggie Middleton??for more about me.What Is This Really About?
There is a very important and distinct difference between ?knowing that? and ?knowing how,? with the crux of the distinction being the difference between this initiative and that vast swath of modern academia. ?Know that? is a function of rote memorization of static information, passed down from the Prussian method of education implemented over 200 years ago and still common use today and ?know how? is basically understanding of how to get things done?
?Know how? is what has separated the labor intensive low margin industries of the far east from the Intellectual Property rich industries found in the US, at least until now. After decades of toiling in an?antiquated?teaching system producing a legions of leveraged ?know that? recipients who then seek ?know how? in the work force (basically asking employers to pay to learn on the job what they should have learned from school) to pay off or compensate for hundreds of thousands of dollars of tuition bills and debt, the US is finally paying the piper for its lackadaisical approach to real education. Asian companies such as Samsung are actually outperforming their sterling US counterparts such as Apple in both product capability, product quality and even market share. In order to stem this tide, true ?know[ledge] how? must become ? once again ? the aim, goal and accomplishment of the education system, similar to the apprenticeships of old.
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The basis of doing things and solving real world problems by thinking through them and value creation (making things) by applying a real, true skill. Academia is primarily interested in the first, Reggie Middleton is deeply ensconced in the latter.
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The next installment will focus on a sampling of individual schools that peddle and push leveraged ?know that? to the masses, ranging from the gleaming ivy league towers to the workshop tutoring courses down the street. This pandering of leveraged ?know that? is to the dismay of all who relied on the so-called scholars from said schools to actually know what they were talking about in predicting crises, managing assets and conducting policy through said crises, and coming up with solutions for the same. I have already laid my ?know[ledge] how? track record for all to see (reference?Who is Reggie Middleton?) and it would be interesting to perform an apples to apples comparison to those purveyors of ?leveraged know that? to see if this blogger cum entrepreneurial investor is on to something or not. I don?t possess a masters degree, not to mention one from the ivy league, yet I feel I have run circles around many, if not the vast majority of those that have. You can view the data and judge for yourself -?Did Reggie Middleton, a Blogger at BoomBustBlog, Best Wall Streets Best of the Best??It?s not necessarily the raw intelligence, that has enabled this, but the ensconced approach to learning.??
I currently have my analysts working on explicit ROIs for degrees (both cash and levered) from the following schools:?Harvard, Yale, Wharton, Princeton, NYU, Capella, University of Pheonix, DeVry, CUNY, SUNY with explicit comparisons to investing borrowed funds in the NASADAQ and S&P 500 over the same time period(s) and interning for free at various institutions who hire from said schools. This installment will also review the business models of said schools and the following installment will illustrate my answer to this mess.In the mean time and in between time,?subscribers?can glean my view of one of the big private post secondary educators who is ?having a problem with volatile earnings that are probably going to get worse.
Education Co.?1-3-2013
Follow me:
or?see my social media stream.
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The Weekly Roundup for 12.31.2012
You might say the week is never really done in consumer technology news. Your workweek, however, hopefully draws to a close at some point. This is the Weekly Roundup on Engadget, a quick peek back at the top headlines for the past 7 days -- all handpicked by the editors here at the site. Click on through the break, and enjoy.
Continue reading The Weekly Roundup for 12.31.2012
Source: http://www.engadget.com/2013/01/06/the-weekly-roundup-for-12-31-2012/
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Monday, January 7, 2013
Pakistan says 1 dead in border clash with India
ISLAMABAD (AP) ? Pakistan and India traded accusations Sunday of violating the cease-fire in the disputed northern region of Kashmir, with Islamabad saying that India staged a rare raid across the line dividing the two sides' forces and killed one of its soldiers. India said its troops had fired into Pakistan to retaliate for shelling that destroyed a home.
The accusation of a border crossing resulting in military deaths is unusual in Kashmir, where a ceasefire has held between these two wary rivals for a decade. Tensions over the disputed region are never far from the surface, however, as the nuclear-armed nations have fought two full-scale wars over it.
The Pakistani military's public relations office said in a statement that another Pakistani soldier was critically wounded in the incident. They said troops were still exchanging gunfire after a raid crossed the "line of control" dividing the Indian and Pakistani sides of Kashmir in Haji Pir sector and raided a post called Sawan Patra, the military said.
The remote area where the incident occurred is up in Himalayan mountain peaks. The closest town of Bagh, about 50 kilometers (30 miles) away, is itself about 260 kilometers (160 miles) from the Pakistani capital of Islamabad.
Col. Brijesh Pandey, a spokesman for the Indian army in Kashmir, said that Pakistani troops "initiated unprovoked firing" and fired mortars and automatic weapons at Indian posts early Sunday morning. He said Pakistani shelling had destroyed a civilian home on the Indian side.
"We retaliated only using small arms. We believe it was clearly an attempt on their part to facilitate infiltration of militants," Pandey said
India often accuses Pakistan of sending militants into the Indian-controlled part of Kashmir, often under cover of these types of skirmishes.
Mountainous Kashmir has been a flashpoint of violence between these two neighbors for decades. Both claim the entire region as their own, and the countries fought two full-scale wars over control of Kashmir and some minor skirmishes.
On Saturday, leaders of a Pakistan-based militant coalition held a rally in the city of Muzaffarabad near Kashmir, in which they pledged to continue the fight to gain control of the entire region.
The United Jihad Council is a coalition of 12 anti-India militant groups. Many of the groups were started with the support of the Pakistani government in the 1980s and 1990s to fight India for control of Kashmir. The rally was held to mark the Jan. 5, 1949 call by the United Nations for a referendum on Kashmir's fate.
A 2003 cease-fire ended the most recent round of fighting. Each side occasionally accuses the other of violating it by lobbing mortars or shooting across the LOC.
A number of Pakistani civilians were wounded in November due to Indian shelling, and in October the Indian army said Pakistani troops fired across the disputed frontier, killing three civilians.
But accusations that one side's ground forces actually crossed the LOC are rarer.
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Associated Press writer Zarar Khan in Islamabad, Roshan Mughal in Muzaffarabad, and Aijaz Hussain in Srinagar, India, contributed to this report.
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White House, GOP draw red lines in debt debate
WASHINGTON (AP) ? Struggling for the upper hand in the next round of debt talks, Republicans and Democrats this weekend drew lines in the sand they said they'd never cross when it comes to the U.S. debt limit.
The tough talk on the Sunday morning talk shows doesn't bode well for voters who are frustrated by the political gridlock.
"I believe we need to raise the debt ceiling, but if we don't raise it without a plan to get out of debt, all of us should be fired," said Sen. Lindsey Graham, R-S.C.
Last week's deal to avert the combination of end-of-year tax increases and spending cuts known as the "fiscal cliff" held income tax rates steady for 99 percent of Americans but left some other major pieces of business unresolved.
By late February or early March, the Treasury Department will run out of options to cover the nation's debts and could begin defaulting on government loans unless Congress raises the legal borrowing limit, or debt ceiling. Economists warn that a default could trigger a global recession.
Also looming are deep automatic spending cuts expected to take effect at the beginning of March that could further erase fragile gains in the U.S. economy. Then on March 27, the temporary measure that funds government activities expires, and congressional approval will be needed to keep the government running. That's one more chance to fight over spending.
Republicans say they are willing to raise the debt ceiling but insist any increase must be paired with significant savings from Medicare, Medicaid and other government benefit programs. President Barack Obama has said he's willing to consider spending cuts separately but won't bargain over the government's borrowing authority.
"One thing I will not compromise over is whether or not Congress should pay the tab for a bill they've already racked up," Obama said in his weekly radio and Internet address.
House Minority Leader Nancy Pelosi made a similar remark Sunday in insisting the two issues ? raising the debt ceiling and reducing spending ? shouldn't be coupled.
"Right now we have to pay the bills that have been incurred," Pelosi said. "And if you want to say cut spending for what we do next, fine, but don't tie it to the debt ceiling."
But Senate Republican Leader Mitch McConnell said spending cuts would have to be part of the equation if the proposal was to get any kind of GOP support.
McConnell on Sunday suggested Republicans were prepared to see the nation default on its spending obligations.
"It's a shame we have to use whatever leverage we have in Congress to get the president to deal with the biggest problem confronting our future, and that's our excessive spending,"
Meanwhile, Democrats said further tax increases for the wealthiest Americans were still possible as Congress looks to close the gap between revenues and expenditures. They say Obama has already agreed to significant spending cuts, and that the latest deal only gets the nation to about half of the revenue it needs to resolve the red ink.
"Trust me, there are plenty of things within that tax code ? these loopholes where people can park their money in some island offshore and not pay taxes. These are things that need to be closed. We can do that and use the money to reduce the deficit," said Illinois Sen. Dick Durbin, the second-ranking Senate Democrat.
But McConnell bluntly declared that the "tax issue is over" after last week's agreement.
"We don't have this problem because we tax too little; we have it because we spend too much," McConnell said.
McConnell spoke on NBC's "Meet the Press," ABC's "This Week" and CBS' "Face the Nation." Pelosi was on CBS' "Face the Nation." Durbin and Graham appeared on CNN's "State of the Union."
Source: http://news.yahoo.com/white-house-gop-draw-red-lines-debt-debate-083707680--politics.html
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Homes for Sale Windemere San Ramon CA December 2012 ...
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Sunday, January 6, 2013
EzineArticles Alert: Internet-and-Businesses-Online:List-Building ...
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