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	<title>Math for Grownups</title>
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		<title>What, Where and How to do Mathematics</title>
		<link>https://mathforgrownups.com/what-where-and-how-to-do-mathematics/</link>
		
		<dc:creator><![CDATA[Kevin]]></dc:creator>
		<pubDate>Mon, 16 Nov 2020 10:55:23 +0000</pubDate>
				<category><![CDATA[Math Education]]></category>
		<category><![CDATA[Math for Grownups]]></category>
		<category><![CDATA[how to do]]></category>
		<category><![CDATA[mathematics]]></category>
		<category><![CDATA[what]]></category>
		<category><![CDATA[where]]></category>
		<guid isPermaLink="false">https://mathforgrownups.com/?p=1775</guid>

					<description><![CDATA[What, Where and How to do Mathematics What and Where is Mathematics….? Everyone is aware with the word math. But no one try to define what math is. If you are thinking that what the rubbish question is it, everyone knows what math is, then you are wrong. If we ask someone what math is? [&#8230;]]]></description>
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<p><strong>What, Where and How to do Mathematics</strong></p>



<p><strong>What and Where is Mathematics….?</strong></p>



<p>Everyone is aware with the word math. But no one try to define what math is. If you are thinking that what the rubbish question is it, everyone knows what math is, then you are wrong.</p>



<p>If we ask someone what math is? He probably said addition, subtraction, multiplication of numbers etc. or someone said solving algebra is mathematics. A few people can tell us exactly what mathematics is. It is not their fault. There is a fault of our systems, who do not develop the books properly. Some of teachers try to clear concept of mathematics but some of them not.</p>



<p>That is why many of us dislike the subject mathematics and suppose it to be hard or tough subject, but it is not. Mathematics is very easy subject if we found a teacher who try developing our concept. I taught by a teacher who never try to answer my question whether he always give me these questions as assignment from home. So, I never try to make question in front of him. But every time it is not the fault of our teachers, we are also wrong many times, we never give the proper time to mathematics, even not try to find something new. So today we try to understand definition of mathematics.</p>



<p>Every word has proper definition like Physics (Study of energy and motion), chemistry (study of molecules and chemicals), and biology (study of human and living things). But mathematics has not proper definition. Many philosophers try to introduce definition of mathematics. Some of said math is abstract science of numbers, some of said math is mother of sciences.</p>



<p>The math is too huge and cannot summarize in few words. Many philosophers claim that mathematics is a language of science which help each science branch to speak. Without mathematics every science field is mute. Like medical tell us about blood pressure but it cannot measure without the help of mathematics. Physics tells us about speed, but it cannot be measured without the help of mathematics.</p>



<p>Mean in every field you must use mathematics, even you cannot but a bus ticket without using mathematics. You cannot cock delicious food without using mathematics, you always put salt according to taste and quantity of food.</p>



<p>That is why philosophers said mathematics is a language, without it we cannot make conversation like other English French etc.</p>



<p>Imagine you are on the grocery shop and you are asked to buy 1 kg rice. How you tell the shopkeeper that you want to buy 1 kg rice? You look like a deaf. You have not any other way to tell him without using mathematics.</p>



<p>You can never think to live without mathematics. Mathematics is a necessary tool of life.</p>



<p>Once I was reading the history of mathematics, that how numbers were introduced? I read the story of Egyptians who invent the numbers first time 5000 BC. A herdsman compared sheep of his herd with a pile of stones when the herd left for grazing and again on its return for missing animals. In the earliest system probably the vertical strokes or bars such as I, II, III, IIII etc. were used for numbers 1, 2, 3, ….</p>



<p>After reading this story I come to know the exact meaning of “Necessity is the mother of invention”. But the mathematics is the mother of sciences said by mathematicians. But now a day mathematics is growing up as a language.</p>



<p>If we talk about painting, even mathematics is here. Exact amount of two colors makes a new color.</p>



<figure class="wp-block-image size-large"><img fetchpriority="high" decoding="async" width="1024" height="678" src="https://mathforgrownups.com/wp-content/uploads/2020/11/count-with-fingers-1024x678.jpg" alt="" class="wp-image-1779" srcset="https://mathforgrownups.com/wp-content/uploads/2020/11/count-with-fingers-1024x678.jpg 1024w, https://mathforgrownups.com/wp-content/uploads/2020/11/count-with-fingers-300x199.jpg 300w, https://mathforgrownups.com/wp-content/uploads/2020/11/count-with-fingers-768x509.jpg 768w, https://mathforgrownups.com/wp-content/uploads/2020/11/count-with-fingers-1536x1018.jpg 1536w, https://mathforgrownups.com/wp-content/uploads/2020/11/count-with-fingers-270x180.jpg 270w, https://mathforgrownups.com/wp-content/uploads/2020/11/count-with-fingers.jpg 1920w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>



<p><strong>How to do Mathematics….?</strong></p>



<p>We always listen from our math teacher if you want to perfection in mathematics then do practice, practice, and practice. Are you ever think that how to do practice? Many of us think practice mean do one question again and again. No…. Its not mean this. Its mean does practice of your concept.</p>



<p>How to practice of your question? When ever you learn a new question then first make question on it with teacher. Ask the teacher,</p>



<p>what is the purpose of this?</p>



<p>Why we are doing it?</p>



<p>At each step ask why we do as and why not?</p>



<p>We have a typically question with the math teacher to repeat the question. This is not a way to improve your math skills.</p>



<p>After getting the answers to your question,</p>



<p>open your note book any start solving this question</p>



<p>According to your thought and complete it in any cost</p>



<p>Even you are doing wrong</p>



<p>When you finish it then match your solution with the correct solution</p>



<p>Match the step where you did wrong</p>



<p>After pointing out each mistake in your solution go to math teacher</p>



<p>Asked him why we cannot do as I do</p>



<p>He will explain your mistake</p>



<p>Now start again a new question</p>



<p>Now at each wrong step your mind jerks you that it Is not write because you have taught by your math teacher that it is wrong.</p>



<p>When we made mistake by own hand and then get explanation of mistake, and then whenever try to make same mistake again, our mind never with us. Which is the sign of our mistake.</p>



<p>That is called practice. When each time you do new question by yourself by understanding each step, that why I am doing it or why not. Never hesitate to ask question by your teacher, if you are feeling hesitation you are not going to learn new things. Develop your habit to ask questions and always try that your question start with why, which, how etc. never say repeat it.</p>



<p>The last thing always sees the solution after the completion of your question. If you see solution at each point where you stuck, you are not going to learn new thing. When you make mistake, it will be resolved and you learn it, when you start copy paste you never get confidence to learn.</p>



<p>We always learn by our mistake.</p>
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			</item>
		<item>
		<title>An Easy Approach to Mathematical Modeling</title>
		<link>https://mathforgrownups.com/an-easy-approach-to-mathematical-modeling/</link>
		
		<dc:creator><![CDATA[Kevin]]></dc:creator>
		<pubDate>Mon, 09 Nov 2020 05:16:54 +0000</pubDate>
				<category><![CDATA[Math Education]]></category>
		<category><![CDATA[Math for Grownups]]></category>
		<category><![CDATA[Math Secrets]]></category>
		<category><![CDATA[easy math]]></category>
		<category><![CDATA[equations]]></category>
		<category><![CDATA[MATH]]></category>
		<category><![CDATA[mathematical modeling]]></category>
		<guid isPermaLink="false">https://mathforgrownups.com/?p=1718</guid>

					<description><![CDATA[In daily life we use mathematics to estimate our budget, calculate price, profit, loss etc. Doing this work is known as mathematical modeling. Basically, mathematical modeling is the part of our real life. Many of us know by the word “word problems”. In mathematics when a problem described by words it called word problem. If [&#8230;]]]></description>
										<content:encoded><![CDATA[
<p>In daily life we use mathematics to estimate our budget, calculate price, profit, loss etc. Doing this work is known as mathematical modeling. Basically, mathematical modeling is the part of our real life. Many of us know by the word “word problems”. In mathematics when a problem described by words it called word problem.</p>



<p>If we make mathematical model of our daily routine then it is very easy to maintain the time in work, game and for family. In this era of busy life, time management is a big deal. If we draw the mathematical model of time and spend time according to this, we can mange time easily. &nbsp;</p>



<p>Not just the time, even we make a mathematical model of daily expenses we can also save a lot of money. Many of us are willing to take load from the bank but unable to calculate the mortgage of credit. If they are expert in solving word problems, then they can calculate their budget to know that are they able to return loan on time. How they can save money by paying installment in how many times?</p>



<p>I remember when I was kid, my mom gives me $15 pocket money for a month and asked, “<em>How much you have to spent daily for covering the whole month</em>?” Because I always spent the whole money before the end of the month. Now I understand that mathematics is too useful even for a kid. That time if I able to make equation of my expenditure then now I have too much money.</p>



<p>If mathematician does not develop the mathematical modeling, then physics was a theoretical subject, suppose how physicists find out the velocity with out modeling the definition into mathematical formula?</p>



<p>Many students have issue in solving word problem, but it is not a big deal. Just focus on some points in the statement and you will become expert in solving word problem. The way to write a statement in mathematical expression is called “Mathematical Modeling”.</p>



<p>Before solving any word problem, you must well verse in Mathematical modeling, draw your attention on the following points to make model of any word problem.</p>



<p>Focus on the following points in any statement:</p>



<ul class="wp-block-list"><li>What do you know?</li><li>What do you want to know?</li><li>What is the proper operation?</li></ul>



<p><strong>Example:</strong> Biden bought 2 kg tomatoes, 1 kg potatoes, 5 kg carrots and 3 kg apples from a market. How much weight he carries from the market?</p>



<p><em>Now according to above points find out the useful information. First see what we have given in the statement:</em></p>



<p>Biden bought <span style="background-color:#d7ba88;">2 kg tomatoes</span>, <span style="background-color:#d7ba88;">1 kg potatoes</span>, <span style="background-color:#d7ba88;">5 kg carrots</span> and <span style="background-color:#d7ba88;">3 kg apples</span> from a market. How much weight he carries from the market?</p>



<h3 class="wp-block-heading"><strong>What do we know?</strong></h3>



<p>Weight of tomatoes= 2 kg</p>



<p>Weight of potatoes= 1 kg</p>



<p>Weight of carrots= 5 kg</p>



<p>Weight of apples= 3 kg</p>



<p><em>Now see in the statement what we must calculate or evaluate?</em></p>



<p>Biden bought 2 kg tomatoes, 1 kg potatoes, 5 kg carrots and 3 kg apples from a market. <span style="background-color:#d7ba88;">How much weight he carries</span> from the market?</p>



<h3 class="wp-block-heading"><strong>What do we want to know?</strong></h3>



<p>Total weight he carries?</p>



<p><em>The last thing we have to see, how to do? Which operation have to use? Since we want to know total weight so, total amount always calculated by addition.</em></p>



<h3 class="wp-block-heading"><strong>What is the proper operation?</strong></h3>



<p>By adding weight of all.</p>



<p>Total weight=2+1+5+3=11 kg</p>



<p>Hence, Biden carries 11 kg.</p>



<p>If the word problems including more then one operation, then you have to focus on the following points:</p>



<ul class="wp-block-list"><li>Find out number of objects / people used in statement</li><li>Give name to each object / person</li><li>Breakout the statement into pieces according to object / person</li><li>Step by step write them with the given relation</li></ul>



<p>Just do some examples to understand:</p>



<p><strong>Example: </strong>If the sum of <span style="background-color:#d7ba88;">two numbers</span> is 12 and difference is 2. Find the numbers.</p>



<p>According to our points, first see how many objects / persons are discussed?</p>



<p>If the sum of two number is 12 and difference is 2. Find the numbers.</p>



<p>Number of objects is two.</p>



<p><em><u>Now give name to both numbers.</u> Let x and y are two numbers.</em></p>



<p>Now break into pieces:</p>



<p>If the sum of <span style="background-color:#d7ba88;">two numbers is 12</span> and <span style="background-color:#d7ba88;">difference is 2</span>. Find the numbers.</p>



<p>The first when saying sum is 12:</p>



<p>So relation becomes</p>



<figure class="wp-block-image size-large"><img decoding="async" width="142" height="38" src="https://mathforgrownups.com/wp-content/uploads/2020/11/xy12-2.jpg" alt="" class="wp-image-1754"/></figure>



<p><em>And second one saying difference is 2:</em></p>



<p>You can list this relation as you want, mean</p>



<figure class="wp-block-image size-large is-resized"><img decoding="async" src="https://mathforgrownups.com/wp-content/uploads/2020/11/xy12-1.jpg" alt="" class="wp-image-1753" width="128" height="38"/></figure>



<p>or</p>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="126" height="38" src="https://mathforgrownups.com/wp-content/uploads/2020/11/y-x2.jpg" alt="" class="wp-image-1756"/></figure>



<p>Both are correct.</p>



<p>I take</p>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="126" height="38" src="https://mathforgrownups.com/wp-content/uploads/2020/11/x-y2.jpg" alt="" class="wp-image-1755"/></figure>



<p>So, we have two equations:</p>



<figure class="wp-block-image size-large is-resized"><img loading="lazy" decoding="async" src="https://mathforgrownups.com/wp-content/uploads/2020/11/xy12-2.jpg" alt="" class="wp-image-1754" width="142" height="38"/></figure>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="126" height="38" src="https://mathforgrownups.com/wp-content/uploads/2020/11/x-y2.jpg" alt="" class="wp-image-1755"/></figure>



<p>Both can solve simultaneously to get answer.</p>



<p>Adding both equation</p>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="266" height="38" src="https://mathforgrownups.com/wp-content/uploads/2020/11/xyx-y122.jpg" alt="" class="wp-image-1760" srcset="https://mathforgrownups.com/wp-content/uploads/2020/11/xyx-y122.jpg 266w, https://mathforgrownups.com/wp-content/uploads/2020/11/xyx-y122-260x38.jpg 260w" sizes="auto, (max-width: 266px) 100vw, 266px" /></figure>



<p>Cancel the opposite terms and do simplification:</p>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="111" height="38" src="https://mathforgrownups.com/wp-content/uploads/2020/11/2x14.jpg" alt="" class="wp-image-1761"/></figure>



<p>We get,</p>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="82" height="38" src="https://mathforgrownups.com/wp-content/uploads/2020/11/x7.jpg" alt="" class="wp-image-1762"/></figure>



<p>Put this one in any equation, I am putting in the first one <img loading="lazy" decoding="async" width="71" height="19" src=""></p>



<figure class="wp-block-image size-large"><img decoding="async" width="142" height="38" src="https://mathforgrownups.com/wp-content/uploads/2020/11/xy12-2.jpg" alt="" class="wp-image-1754"/></figure>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="137" height="38" src="https://mathforgrownups.com/wp-content/uploads/2020/11/7y12.jpg" alt="" class="wp-image-1764"/></figure>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="185" height="38" src="https://mathforgrownups.com/wp-content/uploads/2020/11/y12-75.jpg" alt="" class="wp-image-1766"/></figure>



<p>So, the numbers are <img loading="lazy" decoding="async" width="8" height="19" src="">5 and 7<img loading="lazy" decoding="async" width="8" height="19" src="">.</p>



<p>Now what you think? It is easy now to solve word problems.</p>



<p>Consider if a problem consists of a single object / number and relating this object / number by itself then focus on the following points:</p>



<ul class="wp-block-list"><li>Name that object / number</li><li>Find out the relation between object / number</li><li>Write them in equal</li></ul>



<p><strong>Example: &nbsp;</strong>If a number exceeds its square root by 56. Find the number.</p>



<p>According to our points, first see how many objects / persons are discussed?</p>



<p>If <em><u>a number</u></em> exceeds its square root by 56. Find the number.</p>



<p>Let x is that number.</p>



<p>Now break into pieces:</p>



<p>If a number <span style="background-color:#d7ba88;">exceeds</span> its <span style="background-color:#d7ba88;">square root</span> by <span style="background-color:#d7ba88;">56</span>. Find the number</p>



<p>As we know square root of 4 is 2. Number always greater by its square root so, in the above statement number is greater by its square root and according to statement number exceed by 56.</p>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="155" height="38" src="https://mathforgrownups.com/wp-content/uploads/2020/11/xx56.jpg" alt="" class="wp-image-1767" srcset="https://mathforgrownups.com/wp-content/uploads/2020/11/xx56.jpg 155w, https://mathforgrownups.com/wp-content/uploads/2020/11/xx56-150x38.jpg 150w" sizes="auto, (max-width: 155px) 100vw, 155px" /></figure>



<p>It can be solved now easily.</p>



<p>Rewrite the above equation:</p>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="155" height="38" src="https://mathforgrownups.com/wp-content/uploads/2020/11/x-56x.jpg" alt="" class="wp-image-1768" srcset="https://mathforgrownups.com/wp-content/uploads/2020/11/x-56x.jpg 155w, https://mathforgrownups.com/wp-content/uploads/2020/11/x-56x-150x38.jpg 150w" sizes="auto, (max-width: 155px) 100vw, 155px" /></figure>



<p>Taking the square on both side of the equation:</p>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="306" height="186" src="https://mathforgrownups.com/wp-content/uploads/2020/11/x-56.jpg" alt="" class="wp-image-1769" srcset="https://mathforgrownups.com/wp-content/uploads/2020/11/x-56.jpg 306w, https://mathforgrownups.com/wp-content/uploads/2020/11/x-56-300x182.jpg 300w" sizes="auto, (max-width: 306px) 100vw, 306px" /></figure>



<p>By solving above quadratic equation, we get <strong>x=64</strong> and <strong>x=49</strong>.</p>
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		<title>Math at Work Monday Gets Artsy</title>
		<link>https://mathforgrownups.com/math-at-work-monday-gets-artsy/</link>
		
		<dc:creator><![CDATA[Math Expert]]></dc:creator>
		<pubDate>Sun, 09 Jun 2019 11:13:45 +0000</pubDate>
				<category><![CDATA[Math for Grownups]]></category>
		<guid isPermaLink="false">https://mathforgrownups.com/?p=1576</guid>

					<description><![CDATA[I’ve been interviewing people about how they use math in the work for at least three years. And that means I have a really nice archive of Q&#38;As with fascinating people.&#160;And in looking at these interviews, I see that they fall into several categories. So over the next few months, I’ll roll out archives of [&#8230;]]]></description>
										<content:encoded><![CDATA[
<p><em>I’ve been interviewing people about how they use math in the work
 for at least three years. And that means I have a really nice archive 
of Q&amp;As with fascinating people.&nbsp;And in looking at these interviews,
 I see that they fall into several categories. So over the next few 
months, I’ll roll out archives of these interviews. First up, the 
arteests!&nbsp;</em></p>



<h3 class="wp-block-heading"><a href="https://mathforgrownups.com/math-at-work-monday-bonnee-the-freelance-artist/" target="_blank" rel="noreferrer noopener">Math at Work Monday: Bonnee the Freelance Artist</a></h3>



<p>Bonnee Byrne is a freelance artist and owner of <a href="http://signsbybonnee.blogspot.com/">Signs by&nbsp;Bonnee</a>. &nbsp;She has been painting&nbsp;artwork and signs for the past twenty-six years.</p>



<h3 class="wp-block-heading"><a href="https://mathforgrownups.com/math-at-work-monday-sole-the-fashion-designer/" target="_blank" rel="noreferrer noopener">Math at Work Monday: Sole the fashion designer</a></h3>



<p>When designer <a href="http://solesalvo.com/">Sole Salvo</a>‘s 
message arrived in my inbox a while back, I was thrilled! As an avid 
sewer — who doesn’t like using patterns — I am fascinated with the 
process of fashion design. I know there is a lot of math involved. Some 
of it has to be a gut instinct — how will this angle work on a human 
body? And some of it is very calculated — what do I need to add in order
 to get a 5/8″ seam allowance?</p>



<p>Sole has been working as a designer for nine years, currently working
 for a large clothing company in New York. Here’s how she uses math in 
her job.</p>



<h3 class="wp-block-heading"><a href="https://mathforgrownups.com/math-at-work-monday-sally-the-photographer/" target="_blank" rel="noreferrer noopener">Math at Work Monday: Sally the photographer</a></h3>



<p>Photography is one of those art forms that looks easy but is really 
challenging — at least challenging to get it done right! &nbsp;Writer and 
photojournalist, <a href="http://www.thewellconnectedwoman.com/">Sally Wiener Grotta</a>&nbsp;describes how math helps her compose the best photograph, including perfect lighting.</p>



<h3 class="wp-block-heading"><a href="https://mathforgrownups.com/math-at-work-monday-elizabeth-the-glass-artist/" target="_blank" rel="noreferrer noopener">Math at Work Monday: Elizabeth the glass artist</a></h3>



<p>I’ve known <a href="http://www.elizabethperkinsglass.com/">Elizabeth Perkins</a> since she was about 16 years old, I think. &nbsp;In fact, I’ve always called her Beth.</p>



<p>I was Beth’s geometry teacher way back when. &nbsp;And I was so excited to
 find out that she’s now a very successful glass artist. &nbsp;After 
graduating from Atlanta College of Art in 1997 with a degree in 
sculpture, she embarked upon an amazing journey as an artist and 
teacher. &nbsp;She earned her MFA from <a href="http://www.vcu.edu/">Virginia Commonwealth University</a> in 2004.</p>



<p>Like me, Beth grew up in a rural, southern town and has a very strong
 connection to her family, so I’m really moved by her work, which 
incorporates glass, found objects and heirlooms. &nbsp;But you know what I’m 
going to say next: The fact that Beth uses math in her art is both 
surprising and expected. &nbsp;Read on to learn more.</p>



<h3 class="wp-block-heading"><a href="https://mathforgrownups.com/math-at-work-monday-harmony-the-fabric-designer/" target="_blank" rel="noreferrer noopener">Math at Work Monday: Harmony the fabric designer</a></h3>



<p>You may not know this about me yet, but I’m a fabric junkie. &nbsp;In 
fact, when I finished my book last winter, my reward was a day-trip to 
New York City to shop at <a href="http://www.moodfabrics.com/">Mood Designer Fabrics</a>. &nbsp;I need rehab.</p>



<p>So when <a href="http://www.harmonyart.com/index.html">Harmony Susalla</a> contacted me to ask if I’d do a guest post on her <a href="http://harmonyartblog.weebly.com/">blog</a>,
 I jumped at the chance — and I asked her to do an interview with me. 
&nbsp;Harmony is a wonderful textile designer, who works in organic cotton.</p>



<h3 class="wp-block-heading"><a href="https://mathforgrownups.com/math-at-work-monday-ann-the-art-museum-curator/" target="_blank" rel="noreferrer noopener">Math at Work Monday: Ann the art museum curator</a></h3>



<p>Turns out math is&nbsp;not only useful in creating art but caring for it 
as well.&nbsp;Ann Shafer, associate curator of the prints, drawings and 
photographs collection at <a href="http://www.artbma.org/">Baltimore Museum of Art</a>, uses math in surprising ways–and surrounded some of the greatest artwork of the 20th and 21st centuries.</p>



<h3 class="wp-block-heading"><a href="https://mathforgrownups.com/math-at-work-monday-ursula-the-glass-artist/" target="_blank" rel="noreferrer noopener">Math at Work Monday, Ursula the glass artist</a></h3>



<p><a href="http://www.fullglassstudio.com/">Ursula Marcum</a> practices
 an amazing artform called kilnformed glass, which she can explain 
better than I. &nbsp;Her pieces are layered and rich, unlike any other glass 
I’ve ever seen. &nbsp;Like most artists, Ursula does quite of bit of basic 
math in her work, and she shares the details here.</p>



<h3 class="wp-block-heading"><a href="https://mathforgrownups.com/math-at-work-monday-marie-grace-the-childrens-knitwear-designer/" target="_blank" rel="noreferrer noopener">Math at Work Monday: Marie Grace the children’s knitwear designer</a></h3>



<p>If you don’t knit, a knitwear pattern probably looks like a random 
selection of letters and numbers. &nbsp;But that special code actually 
reveals beautiful creations–sweaters, hats, booties and blankets. &nbsp;Marie
 Grace Smith is the founder of <a href="http://www.mariegracedesigns.com/">Marie Grace Designs</a>,
 and she lives these patterns. &nbsp;You might be surprised to learn how much
 math is involved in developing these patterns. &nbsp;Marie Grace was!</p>



<p>“If I had known how much math I would need to do to make a living 
playing with yarn I would have become a painter or something. Just 
kidding. Sort of.”</p>



<h3 class="wp-block-heading"><a href="https://mathforgrownups.com/math-at-work-monday-shana-the-jewelry-designer/" target="_blank" rel="noreferrer noopener">Math at Work Monday: Shana the jewelry designer</a></h3>



<p><a href="http://www.shanakroiz.com/about_sk.html">Shana Kroiz</a> is a
 Baltimore-based, acclaimed jewelry designer and artist, whose work has 
been shown in the some of the country’s most esteemed galleries and 
museums, including The Smithsonian and the Museum of Arts and Design in 
New York City. &nbsp;She’s kind of a big deal–and she does math!</p>



<h3 class="wp-block-heading"><a href="https://mathforgrownups.com/math-at-work-monday-louisa-the-greeting-card-designer/" target="_blank" rel="noreferrer noopener">Math at Work Monday: Louisa the Greeting Card Designer</a></h3>



<p>Nothing says hello to a new neighbor like sending a greeting card or 
an&nbsp;invitation. And&nbsp;cards can mean so much in times of grief or illness. 
Those special little messages to pull the heart strings have to come 
from somewhere, right? Louisa&nbsp;Wimberger, founder of <a href="http://weehahcards.com/">Weehah Greeting Cards and Invitations</a>
 has built a business around these special messages. From greeting cards
 to invitations, she makes some of the best cards available.</p>



<p>Photo Credit: <a href="https://www.flickr.com/photos/70601645@N00/359743268/">shioshvili</a> via <a href="http://compfight.com">Compfight</a> <a href="https://creativecommons.org/licenses/by-sa/2.0/">cc</a></p>
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		<title>Numbers in the News: Teacher Salaries</title>
		<link>https://mathforgrownups.com/numbers-in-the-news-teacher-salaries/</link>
		
		<dc:creator><![CDATA[Math Expert]]></dc:creator>
		<pubDate>Sat, 01 Jun 2019 11:14:09 +0000</pubDate>
				<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Math for Grownups]]></category>
		<guid isPermaLink="false">https://mathforgrownups.com/?p=1579</guid>

					<description><![CDATA[The series, Numbers in the News, looks&#160;at the numbers underlying hot topics in the U.S. The goal of these posts is not to take a political or moral stand but to simply outline reliable data about these issues. Look for these posts to appear monthly. Big thank you this week to Annie Logue, a fellow [&#8230;]]]></description>
										<content:encoded><![CDATA[
<p><em>The series, Numbers in the News, 
looks&nbsp;at the numbers underlying hot topics in the U.S. The goal of these
 posts is not to take a political or moral stand but to simply outline 
reliable data about these issues. Look for these posts to appear 
monthly.</em></p>



<p><em>Big thank you this week to <a href="http://annlogue.com/" target="_blank" rel="noreferrer noopener">Annie Logue</a>, a fellow freelance writer and one of my go-to folks for&nbsp;economic data. Check out her books and other writing.</em></p>



<p>Teacher salaries: what a big debate. Are 
teachers paid too little? Too much? Haven’t teachers’ unions bumped up 
teacher pay and benefits so that teachers are given a far greater piece 
of the pie than similar jobs in the private sector? Are teachers whining
 too much?</p>



<p>Like many numbers in the news, there are 
myths surrounding teacher pay. Talk to a weary teacher in an inner city 
school, and you might hear about working far more than 40 hours per 
week. Another teacher might tell you that he’s got a second job just to 
help make ends meet.</p>



<p>But many parents and politicians have a 
very different view. They say that teachers are well compensated, 
especially given their generous benefits packages and summers off.</p>



<p>There are a lot of caveats about this 
particular issue, so bear with me. It is challenging to generalize about
 teachers’ salaries, because like with many other professions they 
depend on a variety of factors: time on the job, geographic area, and 
perhaps most important here, the effectiveness (or even presence) of a 
teachers’ union. But the biggest caveat is this: comparing public sector
 and private sector jobs is generally not fair. It makes sense to 
compare teachers’ salaries from state to state or region to region. But 
what does it mean to compare teachers’ compensation with those of 
managers? What does it mean to be a manager? How are these categories 
developed?</p>



<p>And then there is the whole issue of teachers’ time “on the clock.” I’ll address that concern at the end of this post.</p>



<p>Still, I’m taking the risk to make these 
comparisons, even knowing that they’re not entirely fair–because they’re
 the only options we have. I’m going to assume (based on the salary 
ranges and the descriptions in the tables) that managers are college 
educated (or the equivalent) and have similar responsibilities as 
teachers. Teachers manage classrooms, budgets and schedules in similar 
ways that marketing managers manage staffs, budgets and schedules.</p>



<p>And yes, this is a compromise that is not fair. If you have a better idea, I would love to hear it. Honestly.</p>



<p>To help draw some clumsy conclusions, I’ve 
turned to the Bureau of Labor Statistics, a federal agency that keeps 
track of things like salaries and benefits packages. You can find all of
 my&nbsp;numbers <a href="http://www.bls.gov/news.release/pdf/ecec.pdf" target="_blank" rel="noreferrer noopener">here</a>. Please do check them.</p>



<p>First off, how much do primary, secondary and special education teachers earn?</p>



<h4 class="wp-block-heading">Total teacher 
compensation is $56.89 per hour worked. About 69% of that ($39.20) is 
wages and salaries, while 31% ($17.69) is total benefits.</h4>



<p>So close to a third of a teacher’s compensation package is devoted to
 benefits. This is an important point, because the public teacher is one
 of the few workers in the country who still earns retirement and 
savings. Most pensions and retirement plans went away years ago. But 
let’s break down the teachers’ benefit package a little more.</p>



<h4 class="wp-block-heading">Of the teacher’s benefit package, an 
average of $2.49 is spent on paid leave, $0.17 is spent on supplemental 
pay, $6.34 is spent on insurance, $5.85 is spent on retirement and 
savings and $2.84 is spent on legally required benefits.</h4>



<p>All of those amounts are per hour, remember. So for every hour 
worked, a teacher earns, on average, $5.85 in retirement benefits.</p>



<p>What about managers in the private sector? Turns out that the differences are not all that stark.</p>



<h4 class="wp-block-heading">Total management compensation is $58.28 
per hour worked (full-time). About 68% of that ($39.59) is wages and 
salaries, while 32% ($18.70) is total benefits.</h4>



<p>So again, the benefits packages for managers in the private sector 
are about a third of the total compensation packages. The per-hour 
compensation for private-sector managers and public school teachers are 
pretty darned close. Now we can dig into the compensation packages.</p>



<h4 class="wp-block-heading">Of the private-sector manager’s&nbsp;benefit 
package, an average of $5.11 is spent on paid leave, $2.73 is spent on 
supplemental pay, $4.32 is spent on insurance, $2.78 is spent on 
retirement and savings and $3.75 is spent on legally required benefits.</h4>



<p>The balance is really different here. Managers in the private sector 
earn more on paid leave and supplemental pay, but less in retirement and
 insurance. Still, the cost of the total benefit package is remarkably 
similar to that of teachers’.</p>



<p>Again a warning: it is not really fair to compare these two 
industries in this way. One of the big issues around this is whether or 
not the hourly rate has been figured correctly. Most teachers will 
probably say that their hourly rate is much less than $56.89, because 
they work far more hours than the schools tabulate.</p>



<p>However, research conducted by a variety of outlets reports that 
teachers work, on average, fewer hours than most professionals, 
including managers. In <a href="https://stateimpact.npr.org/ohio/2011/10/05/teachers-work-fewer-hours-than-other-professionals-and-were-not-counting-summer-vacations/" target="_blank" rel="noreferrer noopener">this round up of the research</a>,
 NPR and StateImpact (a consortium of Ohio public radio stations) report
 that teachers work three hours fewer per week than other professionals.
 This research is in line with BLS foundational data for the numbers 
above.</p>



<p>So why is there such a different impression among teachers? Some 
teachers work two jobs. They tutor or coach a sport or put in time at 
the local diner. And of course, just because some teachers put in the 
minimum, it doesn’t mean that there aren’t many teachers out there who 
are putting in far more than a 40-hour work week.</p>



<p>And then there is new research from the Gates Foundation, which concluded that teachers put in <a href="http://www.scholastic.com/primarysources/pdfs/Gates2012_full.pdf" target="_blank" rel="noreferrer noopener">10 hours and 40 minutes a day</a>,
 far more than the BLS estimates. (See page 13 of the linked report for 
the details.) If true, the hourly wages and salary totals for teachers 
are much, much too high. Then again, BLS could be underestimating for 
all industries and professions.</p>



<p>Clearly this debate is not easily defined or settled. We need 
better&nbsp;data about how much teachers actually work and better ways to 
compare the information we do have. In my mind, the discussion about 
teacher pay is far from over.</p>



<p><em>What are your thoughts on the data presented above? On the 
teacher salary debate? Do you have personal experience as a teacher or a
 private-sector manager? If so, please share your ideas in the comments 
section.&nbsp;</em></p>



<p>Photo Credit: <a href="https://www.flickr.com/photos/7705025@N08/2605673301/">smkybear</a> via <a href="http://compfight.com">Compfight</a> <a href="https://creativecommons.org/licenses/by-sa/2.0/">cc</a></p>
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		<title>Can You Afford a Mortgage? Debt to income ratio</title>
		<link>https://mathforgrownups.com/can-you-afford-a-mortgage-debt-to-income-ratio/</link>
		
		<dc:creator><![CDATA[Math Expert]]></dc:creator>
		<pubDate>Sat, 18 May 2019 14:41:34 +0000</pubDate>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[DEBT]]></category>
		<category><![CDATA[DEBT TO INCOME RATIO]]></category>
		<category><![CDATA[DTI]]></category>
		<category><![CDATA[HOUSING]]></category>
		<category><![CDATA[MORTGAGE]]></category>
		<guid isPermaLink="false">https://mathforgrownups.com/?p=655</guid>

					<description><![CDATA[Unless your last name is&#160;Trump&#160;or you were recently the last “Survivor” in Somoa, you’ll probably need a&#160;mortgage&#160;to purchase a home. Not many folks can afford to pay cash for a more than $100,000 purchase. But to get a mortgage, you have to prove that you can actually pay it off. And that means your lender [&#8230;]]]></description>
										<content:encoded><![CDATA[
<p>Unless your last name is&nbsp;<em>Trump</em>&nbsp;or you were recently the last “Survivor” in Somoa, you’ll probably need a&nbsp;<a href="https://mathforgrownups.com/math-of-homebuying-three-easy-rules-for-budgeting/">mortgage</a>&nbsp;to purchase a home. Not many folks can afford to pay cash for a more than $100,000 purchase. But to get a mortgage, you have to prove that you can actually pay it off. And that means your lender will be looking at something called DTI or&nbsp;<em>debt to income</em>&nbsp;ratio.</p>



<p>Fortunately, this little calculation is pretty darned simple. Let’s see if you can figure it out on your own with these questions:</p>



<p>1. &nbsp;What is your debt?</p>



<p>2. What is your income?</p>



<p>3. What is a ratio?</p>



<p>Of course, there are many ways to describe your debt (housing, housing + other debts) and many ways to describe your income (gross yearly, take-home monthly). But ratio? That’s simple.</p>



<p>A ratio is a way to compare two numbers, either by using a colon or a fraction. In this case, we’re looking for a number, so we’ll write the debt to income ratio as a fraction and then divide. But how do you know which is the numerator and which is the denominator?</p>



<p>Turns out that’s pretty simple, too. Look at the order: debt comes first, so it will be in the numerator; income comes second, so it will be the denominator. If you think of “to” as the fraction bar (or as division), this makes sense.</p>



<p>debt to income = </p>


<p><m style="box-sizing: border-box;">debt/income</p>



<p>You can’t get much easier than division, especially if you can use a calculator. But in order to divide, you need to define your variables. In other words, you need to know what “debt” means and what “income” means.</p>



<p>In this situation,&nbsp;<em>income</em>&nbsp;is your monthly gross income. If you get a weekly paycheck, you’ll have to multiply that amount by four. If you paid twice each month, multiply by two. And if you get paid once each month, you don’t have to do a thing.</p>



<p>The&nbsp;<em>debt</em>&nbsp;can be calculated one of two ways. Some lenders only want to know what your expected housing debt is. This amount will include your monthly mortgage payment, insurance and taxes But these days, lenders are looking at your entire debt, which also includes monthly payments for child support, student loans, car loans &nbsp;and minimum credit card payments — plus your expected housing debt. (You don’t need to include regular monthly bills like energy and childcare costs.)</p>



<p>Let’s say your monthly gross income is $3,027. You’ve figured out that you can afford an $890-per-month housing payment (to include mortgage, insurance and taxes). In addition, you have the following regular monthly debts: minimum monthly credit card payments ($35), student loan payments ($150) and car payment ($300). What is your debt-to-income ratio?</p>



<p>Method One: Simply divide your expected monthly housing expenses by your monthly gross income.</p>



<p>890 ÷ 3027 = 0.29</p>



<p>So using the first method, your debt-to-income ratio is 29%.</p>



<p>Method Two: Add all of your monthly debts and then divide by your gross income.</p>



<p>890 + 35 + 150 + 300 = 1375</p>



<p>1375 ÷ 3027 = 0.45</p>



<p>Looking at all of your monthly debt payments, your debt-to-income ratio is 45%.</p>



<p>But what does this mean? In short, these numbers spell danger. Anyone with a 40-49% DTI is not doing well financially. (Over 50% is considered “<a href="http://www.investopedia.com/articles/07/debt_to_income.asp#axzz1v9ekeOVq">living dangerously.</a>“) Most lenders like to see&nbsp;<a href="http://www.lendingtree.com/mortgage-loans/advice/qualifying-for-a-loan/calculating-debt-to-income/">no more than 28%</a>&nbsp;of your monthly debt going to housing costs (mortgage, insurance and taxes), and&nbsp;<a href="http://www.lendingtree.com/mortgage-loans/advice/qualifying-for-a-loan/calculating-debt-to-income/">no more than 36%</a>&nbsp;DTI over all.</p>



<p>If the above scenario were real, it’s very likely you would not be offered a mortgage. (And if you were, run in the other direction. You probably don’t want&nbsp;<em>that</em>&nbsp;kind of debt.) The goal, of course, is to get your DTI as close to 0% as possible. But anything below 28% for housing only and 36% for all debt is within reason.</p>



<p><em>What’s your DTI? Are you surprised by this amount? How can you reduce it? Feel free to respond in the comments section.</em></p>
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		<title>Math at Work Monday: Julie the Digital Marketing and Communications Professional</title>
		<link>https://mathforgrownups.com/math-at-work-monday-julie-the-digital-marketing-and-communications-professional/</link>
		
		<dc:creator><![CDATA[Math Expert]]></dc:creator>
		<pubDate>Tue, 12 Mar 2019 11:15:23 +0000</pubDate>
				<category><![CDATA[Math for Grownups]]></category>
		<category><![CDATA[WORKING IN THE VIRTUAL WORLD]]></category>
		<guid isPermaLink="false">https://mathforgrownups.com/?p=1582</guid>

					<description><![CDATA[Today’s interview showcases my talk with Julie Pippert of Artful Media Group who has been in the business of marketing and communications for over 20 years. For the past 4 years she has been doing it digitally which is really exciting. I loved my interview with her not only because I find her job fascinating [&#8230;]]]></description>
										<content:encoded><![CDATA[
<p><em>Today’s interview showcases my talk with Julie Pippert of <a href="http://www.artfulmediagroup.net">Artful Media Group</a>
 who has been in the business of marketing and communications for over 
20 years. For the past 4 years she has been doing it digitally which is 
really exciting. I loved my interview with her not only because I find 
her job fascinating but also because she is passionate about math, and 
that wasn’t always the case for her. It gives me hope that everyone can 
learn to do math well.</em></p>



<h3 class="wp-block-heading">Can you explain what you do for a living?</h3>



<p>I help create strategies and tactics–and sometimes execute these–for  clients to promote their product or information to people via the many  channels of the Internet. Within this we manage relationships with our  community (who may also be customers or potential customers). I don’t  use the word “customer” very often because most of my work is nonprofit  so it is advocacy, thus we work with members, volunteers and the  community. The wonderful thing about modern marketing and PR is that we  are able to be very specific in who we reach and how we reach them. For  example, for $5 I can reach nearly 30,000 people who I know for a fact  are interested in this specific topic. That’s much more cost effective  than getting a list of 1 million for tens of thousands of dollars and  hoping a few in there might want or need what we’re offering. I have  also built influencer programs (people who have highly engaged large  communities who are interested in what we do), done trainings, spoken at  large conferences, and created tons of online content of all sorts.</p>



<div class="wp-block-image"><figure class="alignleft"><img loading="lazy" decoding="async" width="283" height="300" src="http://mathforgrownups.com/wp-content/uploads/2019/06/IMG_0979-283x300.jpg" alt="" class="wp-image-1585"/></figure></div>



<h3 class="wp-block-heading">When do you use basic math in your job?</h3>



<p>Everybody has heard about big data. Well, I rely extensively on that 
to do my job, do it well, and review if I did my job well. I use 
formulas in spreadsheets to evaluate rankings and ratings of campaigns 
and influencers. I measure results through different analytics tools and
 review results across time to see patterns and trends. I do a lot with 
means, medians and modes as well as percent and statistics. I have to 
use basic math to add and subtract as well as multiply and divide 
numbers to find true meaning. I then take the analysis of the data and 
report it back to my clients. This is how we measure effect and success.</p>



<h3 class="wp-block-heading">Do you use any technology (like calculators or computers) to help with this math? Why or why not?</h3>



<p>Of course! Oh my gosh I’d be lost without spreadsheet formulas (many 
of which other people developed and set out for free use), analytics 
tools, and calculators. I also dredge up old algebra to figure out how 
to calculate some final needed numbers.</p>



<h3 class="wp-block-heading">How do you think math helps you do your job better?</h3>



<p>I would have no idea if I was reaching my goal and achieving the 
results I needed without math! Math is how I evaluate how well my words,
 and where and how I used them, work!</p>



<h3 class="wp-block-heading">How comfortable with math do you feel? Does this math feel different to you?</h3>



<p>I hate hate hated math in school. I moved frequently and suffered 
large gaps in my learning which always set me behind. It’s much easier 
to make that up in other subjects, but continuity is crucial for 
learning math well. Math and numbers are not my strength, anyway. By the
 time I hit the job market, I had decided now that I was done with 
school, I was also done with math! No such luck! It turns out that was a
 good thing. I’ve learned to appreciate and even like applied math. On a
 scale of 1-10 (most comfortable), I’d say I hover at a 6-7 on comfort 
level. I’ve never completely rebuilt my confidence, and I still get some
 formulas backwards. I have figured out that I can calculate in my head.
 In fact, modern math curriculum would have done me a world of good. 
Applied math in my job feels very comfortable, though, and I think math 
is great now. I am so pleased to see numbers and find ways to add them 
up to something meaningful. You can’t measure without math!</p>



<h3 class="wp-block-heading">What kind of math did you take in high school? Did you like it/feel like you were good at it?</h3>



<p>I quit math class the second I reached my final credit. In high 
school I went up through the second year of algebra which I took in 
summer school so I could get it over with quickly. In college I took a 
liberal arts math. I felt like an utter disaster at everything except 
geometry. I did do well with that but feel it hasn’t come up too often 
in life. I also had a fantastic teacher who noticed I needed a little 
extra help and was willing to help me. It was the first time ever with 
math that I had this sense of wonder and awe of “oh wow I GET it, I 
totally really GET IT,” and it was great.</p>



<h3 class="wp-block-heading">Did you have to learn new skills in order to do the math you use in 
your job? Or was it something that you could pick up using the skills 
you learned in school?</h3>



<p>I use the basics of what I learned in school with the math I do in my
 job, but a lot of it is new. I seriously wish I’d studied statistics 
&nbsp;and might do that now.</p>



<h3 class="wp-block-heading">Anything else you want to mention?</h3>



<p>Yes, and I think this is SUPER important. You know how we all 
accept&nbsp;the fact that&nbsp;kids come into reading at different ages? Where is 
that understanding for math? Some kids are ready for multiplication in 
2nd grade and others not until 4th or even 5th. Math is so prescribed. I
 think that’s why so many kids hate it and feel such an utter hopeless 
failure at it. You must achieve this level of math by this age whether 
your brain is ready or not — and it is so quick and easy to label kids 
as dumb at math when they don’t fall into that model. We have got to 
offer more paths of progression for math, just like we do for reading.</p>



<p>What we have finally gotten right is allowing different paths for 
solving math problems in education. Unfortunately, teachers have got 
that mixed up, and kids are so confused because they’re expected to 
master EVERY method of problem solving and demonstrate that mastery on 
exams, sometimes using the multiple methods for the same problems. Why 
have different methods for different sorts of kids and brains and then 
expect all of them to do well?</p>



<p><em>Have comments or questions for Julie? Let me know!</em></p>
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		<title>Spring into Good Personal Finance Habits</title>
		<link>https://mathforgrownups.com/spring-into-good-personal-finance-habits/</link>
		
		<dc:creator><![CDATA[Math Expert]]></dc:creator>
		<pubDate>Tue, 02 May 2017 14:36:49 +0000</pubDate>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[BUDGET]]></category>
		<category><![CDATA[HOUSING]]></category>
		<category><![CDATA[MONEY]]></category>
		<category><![CDATA[PERSONAL FINANCE]]></category>
		<category><![CDATA[SAVINGS]]></category>
		<category><![CDATA[SPENDING]]></category>
		<guid isPermaLink="false">https://mathforgrownups.com/?p=649</guid>

					<description><![CDATA[Over the last three years, there has been no bigger news story than personal finance. And for good reason. Most economists agree that our home-buying habits (fueled by dangerous lending practices) contributed to the Great Recession. Plus, most Americans were completely caught off guard by our plummeting economy — left without adequate savings when we [&#8230;]]]></description>
										<content:encoded><![CDATA[
<p>Over the last three years, there has been no bigger news story than personal finance. And for good reason. Most economists agree that our home-buying habits (fueled by dangerous lending practices) contributed to the Great Recession. Plus, most Americans were completely caught off guard by our plummeting economy — left without adequate savings when we needed it the most.</p>



<p>Sadly, some things haven’t changed much. Take a look at these scary statistics:</p>



<p>— Forty percent of Americans say they are saving less this year than they did last year, and 39 percent say they have&nbsp;<em>no</em>&nbsp;retirement savings (<a href="http://www.nfcc.org/newsroom/FinancialLiteracy/files2012/FLS2012FINALREPORT0402late.pdf">Harris Interactive</a>).</p>



<p>— But according to the same survey, 28 percent say they are spending more this year than they did last.</p>



<p>— The U.S. student loan debt is now&nbsp;<a href="http://www.npr.org/blogs/money/2012/04/18/150909686/what-america-owes-in-student-loans">$870 billion</a>&nbsp;(with a&nbsp;<em>b</em>), according to the Federal Reserve Bank of New York, and it is expected to reach $1 trillion (with a&nbsp;<em>t</em>) very soon.&nbsp;This is way, way more than the country’s credit card debt and auto loan debt.</p>



<p>—&nbsp;<a href="http://www.nfcc.org/newsroom/FinancialLiteracy/files2012/FLS2012FINALREPORT0402late.pdf">Harris Interactive</a>&nbsp;reports that 56 percent of all American households have no personal finance budget.</p>



<p>Last month was Math Appreciation Month — and it was also Financial Literacy Month. We couldn’t celebrate both at the same time, so May will be devoted to the math behind personal finance here are Math for Grownups.</p>



<p>Financial literacy has a lot in common with math. For many folks, the concepts are scary and somewhat mysterious. And in my experience there are many, many personal finance experts who prescribe a right and wrong way to approach money management. This month, I’ll take a look at both of these things.</p>



<p>We’ll consider the math behind budgets, credit card payments and savings. I’ll show you a few quick ways to estimate your financial health, and we’ll explore how you can apply your own methods to reaching financial stability (or teaching your kids the benefits of financial responsibility). Experts, including a mortgage broker, financial planner and more, will share how they use math in their jobs and even how you can harness your math know-how and become a better steward of your money. We’ll also look at lots of statistics. (What does the reduction in home values actually mean?)</p>



<p>Meanwhile, if you have questions about this subject you’d like to ask, share them in the comments section. I’ll be drawing up a plan for the month, and I’d love to hear what you think!</p>



<p>Buckle up — this is math&nbsp;<em>everyone</em>&nbsp;can use.</p>
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		<title>Numbers in the News: Guns</title>
		<link>https://mathforgrownups.com/numbers-in-the-news-guns/</link>
		
		<dc:creator><![CDATA[Math Expert]]></dc:creator>
		<pubDate>Thu, 03 Sep 2015 11:22:01 +0000</pubDate>
				<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Math for Grownups]]></category>
		<category><![CDATA[gun debate]]></category>
		<guid isPermaLink="false">https://mathforgrownups.com/?p=1590</guid>

					<description><![CDATA[This is the first of a series of posts looking at the numbers underlying hot topics in the U.S. The goal of this series is not to take a political or moral stand but to simply outline reliable data about these issues. Look for these posts to appear monthly. I grew up in a hunting [&#8230;]]]></description>
										<content:encoded><![CDATA[
<p><em>This is the first of a series of posts looking at the numbers 
underlying hot topics in the U.S. The goal of this series is not to take
 a political or moral stand but to simply outline reliable data about 
these issues. Look for these posts to appear monthly.</em></p>



<p>I grew up in a hunting community. On the first day of <a href="http://www.dgif.virginia.gov/hunting/regulations/deer.asp" target="_blank" rel="noreferrer noopener">deer season</a>, students could take an excused absence, as long as they had a note from home that stated they were out hunting.</p>



<p>My 15-year-old daughter enjoys target shooting. Her favorite gun is a semi-automatic.</p>



<p>But despite my background, I have never fired a gun. I admit freely 
that I don’t particularly like them. At the same time, I have respect 
for those who hunt and use guns for sport, like target practice. And I 
respect the professionals in law enforcement who carry weapons in order 
to keep us safe.</p>



<p>Those are the disclaimers, as I step carefully into this loaded topic
 (pardon the pun). As a journalist who writes about math, I believe that
 numbers can help us understand these complex and controversial topics. 
With that said, I want to break down some of the numbers that describe 
our country’s relationship with guns.</p>



<p>This is something that anyone who consumes&nbsp;news reports or reacts to 
current events should be able to do. It’s a grownup skill that requires a
 little bit of math and a lot of logic. Because of the controversy 
involved in gun ownership and shooting incidents, it’s a good idea to 
turn to the numbers. So here we go.</p>



<h4 class="wp-block-heading">The <a href="http://www.smallarmssurvey.org/fileadmin/docs/H-Research_Notes/SAS-Research-Note-9.pdf" target="_blank" rel="noreferrer noopener">Small Arms Survey</a> estimates that there are approximately 270 million guns owned by civilians in the U.S.</h4>



<p>No one can say for sure that this number is absolutely correct. 
That’s because there is no way to definitively count the number of 
civilian-owned guns. There are several reasons for this. First, gun 
registrations is&nbsp;managed on a state-by-state basis.&nbsp;In fact, eight 
states explicitly prohibit the registration of firearms (though many 
have exceptions that require, for example, registration of a firearm by 
someone who was convicted of a crime). Without registering guns, it’s 
difficult to count them. Second, notice of the sale or transfer of guns 
is not required by all states. And stolen or lost guns? These may or may
 not be reported either.</p>



<p>If we can’t count the number of guns owned by Americans, we certainly have difficulty counting the&nbsp;<em>types</em> of guns in legal circulation. And never mind the number of illegally possessed firearms.</p>



<p>Still 270 million is generally recognized as the best estimate. And 
no one can deny that this is a large number. This is when we start 
comparing ourselves to other countries. India comes in second place with
 <a href="http://www.smallarmssurvey.org/fileadmin/docs/H-Research_Notes/SAS-Research-Note-9.pdf" target="_blank" rel="noreferrer noopener">46 million civilian-owned guns</a>.
 Then China (40 million), Germany (25 million) and Pakistan (18 
million). And while these numbers may be interesting, they don’t tell 
the whole story. Math helps with that.</p>



<p>Take the U.S. and India for example. The U.S. has a lot of guns, and 
India has a lot of people. So it’s useful to consider the number of guns
 per 100 people. (Or it could be per person or per 10 people… whatever.)
 In the U.S. there are 88 firearms per 100 men, women and children. In 
India, there are 4. Yes, four. Because India’s population is so much 
larger than the U.S.’s, the rate of guns per 100 people is much lower.</p>



<p>This brings in another interesting comparison: the U.S. and Yemen. In
 Yemen, there are approximately 11.5 million civilian-owned guns, but 
there are 55 guns per person. Small population&nbsp;+ lots of guns = high 
rate of guns per person. In fact, the U.S. has more guns per 100 people 
than any other country in the world. (Yemen comes in second place.)</p>



<p>Now none of this says that guns are good or bad. These are just 
numbers. But it does point to differences in how countries (and the 
people in them) think about guns. This is definitely something worth 
looking into. But for now, let’s consider another number.</p>



<h4 class="wp-block-heading">In 2013, the CDC reported <a href="http://www.cdc.gov/nchs/fastats/injury.htm" target="_blank" rel="noreferrer noopener">33,636 firearm deaths</a>&nbsp;in the U.S.</h4>



<p>Again, that’s a big number. It includes all sorts of deaths, 
including homicides, suicides and accidental deaths. What is often 
overlooked is the extremely high rate for suicide by&nbsp;firearm. Nearly 2/3
 of all firearms deaths were suicides in 2013–that’s <a href="http://www.cdc.gov/nchs/fastats/suicide.htm" target="_blank" rel="noreferrer noopener">21,175</a>.
 There were 11,208 homicides by firearms in 2013, just about half the 
number of suicides. That leaves 1,253 deaths that were accidental or 
unclassified firearm deaths.</p>



<p>It might also be helpful to break down this really big number.</p>



<h4 class="wp-block-heading">In 2013, firearms were responsible for about 92&nbsp;deaths per day. That’s nearly 4 people per hour.</h4>



<p>Suddenly those numbers are a whole lot more striking. There aren’t 
even four people in my immediate family! It’s important to remember that
 this total number includes both suicides and homicides.</p>



<p>Yet when we enter into a discussion about gun control, many of us 
think about homicides — and specifically mass shootings. According to 
the FBI, there were <a href="https://www.fbi.gov/news/stories/2014/september/fbi-releases-study-on-active-shooter-incidents/pdfs/a-study-of-active-shooter-incidents-in-the-u.s.-between-2000-and-2013" target="_blank" rel="noreferrer noopener">17 “active shooter incidents”</a>
 in 2013. In those incidents, 44 people died and 42 people were 
injured.&nbsp;That’s a lot of people and a lot of scary moments. At the same 
time, compare those numbers with the number of suicides by firearms. 
That’s a big difference.</p>



<h4 class="wp-block-heading">Guns were responsible for <a href="http://www.cdc.gov/nchs/fastats/suicide.htm" target="_blank" rel="noreferrer noopener">more than half of all suicides in 2013</a> in the U.S..</h4>



<p>That year, <a href="http://www.cdc.gov/nchs/fastats/suicide.htm" target="_blank" rel="noreferrer noopener">41,149 people committed suicide</a>,
 and as stated above, 21,175 of them chose to end their lives using a 
firearm. So it seems that the best way to reduce suicides and the number
 of gun deaths is to reduce the number of suicides by guns.&nbsp;Two birds, 
one stone.</p>



<p>Certainly better mental health care is a good option. But there is 
something even easier. In Great Britain in the 1950s and 60s, about half
 of all suicides were by <a href="http://www.jstor.org/stable/25565893?seq=1#page_scan_tab_contents" target="_blank" rel="noreferrer noopener">coal gas</a>&nbsp;from
 ovens.&nbsp;But by the 1970s, coal gas was replaced by natural gas, which 
has far less carbon monoxide. The suicide rate by gas had dropped to 
zero (yes, zero) and the overall suicide rate had fallen by a third.</p>



<p>These are striking numbers that suggest that when the means of 
suicide is eliminated, the suicide rate drops. What would happen in this
 country, if suicidal folks did not have access to guns?</p>



<p>In my mind, this leads to a logical conclusion: gun control is a 
matter of public health. I don’t believe that we should rid our country 
of civilian-owned firearms or outlaw the possibility of owning guns. I 
do believe that to reduce the incidence of death by firearms, we can 
develop safety measures. These will likely include a variety of 
approaches–much like how we ensure that cars are as safe as possible.</p>



<p>How did I come to that conclusion? The numbers told me so.</p>



<p><em>What are your thoughts on the numbers behind the gun control 
debate? &nbsp;Were any of these figures surprising to you?&nbsp;(NOTE: This is a 
very volatile subject, so I ask that you please keep your comments civil
 and on point.)</em></p>
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		<title>Check and Double Check: Math can help keep your personal finances in order</title>
		<link>https://mathforgrownups.com/check-and-double-check-math-can-help-keep-your-personal-finances-in-order/</link>
		
		<dc:creator><![CDATA[Math Expert]]></dc:creator>
		<pubDate>Sat, 29 Aug 2015 09:52:53 +0000</pubDate>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[DEBT]]></category>
		<category><![CDATA[FINANCES]]></category>
		<guid isPermaLink="false">https://mathforgrownups.com/?p=279</guid>

					<description><![CDATA[Today, I’m guest posting at Tinfoil Tiara on the CantonRep.com. It’s not likely that our nation’s poor math skills&#160;caused&#160;the housing crisis or the Great Recession, but it’s likely being confident in math can help you stay out of debt and put more money in the bank. Every day, I meet people who tell me that [&#8230;]]]></description>
										<content:encoded><![CDATA[
<div class="wp-block-image"><figure class="alignleft"><a href="http://www.flickr.com/photos/robynlou8/"><img loading="lazy" decoding="async" width="240" height="206" src="http://mathforgrownups.com/wp-content/uploads/2019/06/tiara.jpg" alt="" class="wp-image-296"/></a><figcaption> Photo courtesy of Robynlou8 </figcaption></figure></div>



<p><em>Today, I’m guest posting at Tinfoil Tiara on the CantonRep.com.</em></p>



<p>It’s not likely that our nation’s poor math skills&nbsp;<strong><em>caused</em></strong>&nbsp;the housing crisis or the Great Recession, but it’s likely being confident in math can help you stay out of debt and put more money in the bank.</p>



<p>Every day, I meet people who tell me that they’re no good at math. &nbsp; That’s an understandable sentiment, given the way math is taught. But the cold, hard truth is you have to do math.</p>



<p>Read the rest of my post&nbsp;<a href="http://blogs.cantonrep.com/tinfoil-tiara/check-and-double-check-tips-from-guest-blogger-on-using-math-to-keep-personal-finances-in-order/">here</a>.</p>
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		<title>Math at Work Monday: Ilisa the Communications and Outreach Events Coordinator</title>
		<link>https://mathforgrownups.com/math-at-work-monday-ilisa-the-communications-and-outreach-events-coordinator/</link>
		
		<dc:creator><![CDATA[Math Expert]]></dc:creator>
		<pubDate>Mon, 06 Apr 2015 11:19:15 +0000</pubDate>
				<category><![CDATA[Math for Grownups]]></category>
		<category><![CDATA[events]]></category>
		<category><![CDATA[excel]]></category>
		<category><![CDATA[FUNDRAISING]]></category>
		<category><![CDATA[GOVERNMENT]]></category>
		<category><![CDATA[Human Services]]></category>
		<category><![CDATA[MATH]]></category>
		<category><![CDATA[NON-PROFIT]]></category>
		<guid isPermaLink="false">https://mathforgrownups.com/?p=1587</guid>

					<description><![CDATA[Today I spoke with Ilisa Oman from the National Alliance on Mental Illness (NAMI). She has a big job there and uses math every day. I think it’s pretty cool that even though she isn’t terribly comfortable with math, she’s been able to become proficient in the math she needs to get her job done. [&#8230;]]]></description>
										<content:encoded><![CDATA[
<p><em>Today I spoke with Ilisa Oman from the <a href="http://www.nami.org">National Alliance on Mental Illness (NAMI)</a>.
 She has a big job there and uses math every day. I think it’s pretty 
cool that even though she isn’t terribly comfortable with math, she’s 
been able to become proficient in the math she needs to get her job 
done.</em></p>



<h3 class="wp-block-heading">Can you explain what you do for a living?</h3>



<p>NAMI Maryland is the state organization for the National Alliance on 
Mental Illness. My overall job is to make sure our messaging gets out 
there – erasing the stigma of mental illness and letting people know 
about all our programs. I have multiple roles in my position. I plan our
 major events such as our Walk, Annual Conference, Annual Meeting. In 
addition, I am responsible for all of our communications and outreach 
efforts such as creating our print and electronic newsletters, messaging
 through social media, and maintaining our website, flyers, webinars and
 press releases. And, I am responsible for some fundraising such as our 
annual campaign and our Walk. In addition to planning the logistics of 
that event, I am also responsible for soliciting sponsors and recruiting
 our fundraising teams/donors.</p>



<h3 class="wp-block-heading">When do you use basic math in your job?</h3>



<p>I use basic math to create my budgets when planning all of my events.
 An accurate budget is critical, particularly when working for a small, 
underfunded non-profit. I need to be cognizant of not only what things 
cost but also the related service charges and fees and be able to 
accurately calculate them. I also use math in determining our 
fundraising goals – percentages,&nbsp;where we are in relation to last year, 
and where we need to go.</p>



<h3 class="wp-block-heading">Do you use any technology (like calculators or computers) to help with this math? Why or why not?</h3>



<p>Calculators and Excel spreadsheets are my best friend. I wouldn’t dream of trying to create a budget without those tools.</p>



<h3 class="wp-block-heading">How do you think math helps you do your job better?</h3>



<p>As I mentioned, accurate budgets are critical for any event, but 
particularly for a small non-profit with little money. Math helps me do 
my job better because it keeps me on track. Seeing the numbers and an 
actual budget keeps me grounded and helps me realize the limits I have 
to work within when planning an event.</p>



<h3 class="wp-block-heading">How comfortable with math do you feel? Does this math feel different to you?</h3>



<p>Honestly, I am not comfortable with math. I never have been. It is 
probably harder for me to do this math, even with tools at my disposal, 
because the functioning of my organization depends on it.</p>



<h3 class="wp-block-heading">What kind of math did you take in high school? Did you like it/feel like you were good at it?</h3>



<p>I have never been good at math. My senior year in high school, most 
of my friends were taking pre-calc at a minimum. However, I took a class
 called “Pre-College Math” which basically was math to help me on the 
SAT.</p>



<h3 class="wp-block-heading">Did you have to learn new skills in order to do the math you use in 
your job? Or was it something that you could pick up using the skills 
you learned in school?</h3>



<p>The math I use is pretty basic. I just needed to become proficient in Excel.</p>



<h3 class="wp-block-heading">Anything else you want to mention?</h3>



<p>My daughter was diagnosed with a learning disability in math when she
 was in 2nd grade. Fortunately, in this day and age, there are so many 
resources out there to help people overcome such challenges, resources 
that I wish I had when I was young. Never be afraid to ask for help with
 math!</p>



<p><em>&nbsp;Want to know more? &nbsp;Please ask or comment below.</em></p>



<p>Photo Credit: <a href="https://www.flickr.com/photos/9467878@N06/3537506494/">chuck.taylor</a> via <a href="http://compfight.com">Compfight</a> <a href="https://creativecommons.org/licenses/by/2.0/">cc</a></p>
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