Disturbing
A close friend in Texas just received this pamphlet in the mail addressed to HIS CHILDREN.
It targets kids who think they may be transgender and points them to resources on how to:
a) LEAVE THEIR PARENTS
b) How to travel OUT OF STATE for trans care
c) How be EMANCIPATED from their parents at 16
d) Education on hormones and SURGERY
...this was sent to HIS KIDS DIRECTLY
Hart of Learning retweeted
If you live in one of the gray states, your governor has blocked scholarships from the new Trump federal scholarship program from being given to kids in your state.
And I would recommend upgrading to a better governor.
Replying to @adcock_brett
I wonder if the treadmill will break before the F.03
Replying to @dividendology
True. Some people spend money quickly. Others invest and build.
Hart of Learning retweeted
Starting in 2026, you can deduct up to $2,000 in charitable donations even if you take the standard deduction
90% of Americans take the standard deduction & almost none of them know about this new deduction
Here's how it works:
Replying to @TivadarDanka
How can I be a better elementary math teacher?
We grade work habits at Elementary school. Yesterday, I asked the students to grade themselves in this area. The 4th graders were accurate, maybe harder on themselves than I would be (except for a few outliers). So, I inputted their self reported grades.
One of the more insidious effects of grade inflation is that it allows students who aren’t doing well to believe the lie that they are.
And it delays the pain of failure so that it happens when the stakes are higher than they are within the walls of the school.
It isn’t compassion to allow a student an inflated sense of self, only for it to come crashing down when they enter the real world where the consequences are real pain and not just a disappointing letter on a piece of paper.
Grade inflation is wrong because it is lying, and lying is wrong, no matter the motives of the person lying.
Hart of Learning retweeted
One of the more insidious effects of grade inflation is that it allows students who aren’t doing well to believe the lie that they are.
And it delays the pain of failure so that it happens when the stakes are higher than they are within the walls of the school.
It isn’t compassion to allow a student an inflated sense of self, only for it to come crashing down when they enter the real world where the consequences are real pain and not just a disappointing letter on a piece of paper.
Grade inflation is wrong because it is lying, and lying is wrong, no matter the motives of the person lying.
Hart of Learning retweeted
Emily Hanford already pointed to Direct Instruction in her Sold a Story episodes on Steubenville and Reading First. She reported that only two reading programs were seen as proven by research:
Success for All and Direct Instruction.
Hart of Learning retweeted
Two couples, $1.4 million each, same $90,000 lifestyle.
One of them can retire at 62 and the other can't, and it has nothing to do with how much they saved.
Couple A has $1.35 million in a traditional IRA and $50,000 in cash.
That's the whole picture. Every dollar they spend has to come out of the IRA, and every dollar that comes out is ordinary income.
To actually put $90,000 in their pocket they're withdrawing closer to $105,000, because they're paying the tax on the way out the door.
That withdrawal puts their MAGI over $84,600, which in 2026 is the 400% poverty line for a household of two.
Above that line the ACA premium credit is zero. Not smaller. Zero. So now they're buying health insurance at full retail in their early 60s, which in a lot of markets runs well into five figures. And the only place to get the money for that premium is another IRA withdrawal, which pushes their income up again.
Couple B has $600,000 traditional, $400,000 Roth, and $400,000 in a taxable account with high basis. Same $1.4 million.
They pull their $90,000 from three places instead of one, and their reportable income becomes something they decide instead of something that happens to them.
That's the whole difference. Not the total. The mix.
And here's the part that actually bothers me. For 30 years the only advice anybody hands out is contribute more, max it out, get the match.
Nobody sits a 50 year old down and tells them the account they're choosing right now is going to help set what their health insurance costs at 62.
If you're 50+ and nearly everything you own is pre-tax, you don't have a savings problem. You have a location problem. And you still have time to do something about it.
Hart of Learning retweeted
I’m feeling like I need to make a boomer defense website at this point.
No, we aren’t the selfish generation. We are the most hardworking generation. We don’t want to sell our homes because we worked damn hard for them, and now we have grandchildren visiting with our children and we like there is room for them. AND it’s OUR HOME. Those that are wealthy (not as many as you all imagine) ARE helping their children with paying for college (no student loans) and helping with them buying a first house. Those not wealthy now depend on the SS and Medicare they paid into their entire lives. They are also babysitting grandchildren and loving your children as no one else on earth will. We are not selfish. We are living on the years of hard work. Maybe you’ll understand when you get there, but now this bullsh*t narrative on your parent’s generation has got to stop.
Hart of Learning retweeted
“A lot of our problems in mathematics are caused by the fact that students aren’t clearing the fluency stage of learning.” Great @rastokke presentation at @ResearchEd_CL
Hart of Learning retweeted
This guy's research was cited in a Nobel Prize, and after 2,300 job applications he can't even get a call back from a company that sells frozen crab cakes.
His name is Jack Weis. He got his chemical engineering PhD from Princeton in 2024, and the one paying gig he's landed since then was helping train AI. It lasted less than three months.
Here's how good his research was. Back in 2022, while he was still a grad student, Jack co-authored a paper that used a neural network to simulate water turning into ice, modeling how hundreds of thousands of atoms interact as it freezes. Scientists had basically written that off as too complex to compute. Two years later, when Hopfield and Hinton won the physics Nobel for inventing the building blocks of neural networks, the committee picked his paper as one of a handful of examples of what the technology could now do for science.
So he graduates and starts applying. He goes after research jobs at drug companies and postdocs at national labs, and most of them never write back. He opens the search up to any industry, anywhere in the country, and keeps getting mostly silence. Somewhere in there he applies for a food prep job at the crab cake company, and they ghost him too.
In January he finally gets paid. A startup brings him on at $70 an hour to write chemistry problems and grade AI answers. The hours start around 20 a week and slide down to 4. Then whole weeks go by with no work at all, and in mid-March he finds out he's done through a group chat message.
If you've never looked at how these AI training gigs work, this part will bother you. A lab that wants its model to get better at chemistry pays experts like Jack to write a few thousand hard questions with perfect answers. Once the model has learned from that batch, the lab has what it paid for, so the budget moves on to physics or law or whatever subject is next. You're getting paid well to hand over the one thing that made you hard to replace.
When you zoom out it's kind of brutal. A Nobel committee looked at Jack's work and saw proof that AI could change science, and so far the main thing the AI industry has wanted from him is a couple months of answer keys.
He's 30 now and living with his parents back in Salt Lake City. He's planning to take the LSAT in November, and in the meantime he's building a drone that uses AI to remove invasive weeds.
Jack Weis has applied to more than 2,300 jobs since he graduated from Princeton in 2024 with his Ph.D. in chemical engineering. He still doesn’t have a job. on.wsj.com/4sfxSLc
Students arguing with me about simple commands is my biggest complaint currently.
Me: Sit down
Student: Why? or I was just telling him something.
Me: Sit down
I face more ideological resistance from students today than I did 10 years ago.
Here's what I mean.
Yesterday, I had a group of 14-year-olds argue with me about capitalization.
Many of them rarely use capital letters correctly in their writing, and they genuinely believe capitalization is unnecessary, or even "dumb."
When I told them that I take points off for ignoring capitalization, they insisted it was unfair.
Ten years ago, I almost never had conversations like this.
Students might have forgotten the rules. They might have been careless. But they rarely argued that the rules themselves didn't matter.
Hart of Learning retweeted

unusual_whales@unusual_whalesOct 18
North America
North AmericaConnected via North America App StoreAccount-level information, not a live location or per-post device.
BREAKING: Banks are taking back more homes.
Lenders repossessed 5,794 homes in August, up 42% from a year ago and 22% from July, per ATTOM.
That’s far faster than the 13% rise in overall foreclosure filings, meaning more distressed homeowners are reaching the end of the process.
Hart of Learning retweeted
Jack Weis has applied to more than 2,300 jobs since he graduated from Princeton in 2024 with his Ph.D. in chemical engineering. He still doesn’t have a job. on.wsj.com/4sfxSLc
Hart of Learning retweeted
Giving kids accommodations for or letting them skirt expectations because of anxiety WILL ONLY MAKE ANXIETY WORSE
Nothing breeds anxiety quite like avoidance
Hart of Learning retweeted
Big earnings week ahead across technology, industrials, financials and consumer companies.
With AI stocks under pressure, we’ll get another look at infrastructure spending and demand.
Here are the 6 earnings I’m watching this week: $MSCI $NFLX $TSLA $META $LRCX $WDC
I’m travelling this week, so my earnings updates may come a little later than usual. I’ll still share my thoughts on the results as I get to them.
$MSCI (Tuesday, before open):
Subscriptions and index-linked fees are growing strongly, but higher expenses unsettled investors last quarter.
Last earnings reaction: 🔴 ↓8.7%
◆ Question: Can fee growth continue to outpace rising expenses if financial markets remain volatile?
$NFLX (Tuesday, after close):
Netflix is still growing profitably, but slowing viewing engagement and recent job cuts have renewed concerns about its growth strategy.
Last earnings reaction: 🔴 ↓6.4%
◆ Question: Can advertising and pricing sustain revenue growth and strong margins as engagement slows?
$TSLA (Wednesday, after close):
Tesla has already reported 486,532 vehicle deliveries for Q3. Now attention turns to profitability and the cost of its autonomy ambitions.
Last earnings reaction: 🔴 ↓15.6%
◆ Question: Can stronger deliveries translate into better margins and cash generation while investment in autonomy continues?
$META (Wednesday, after close):
Advertising remains strong, but Meta’s enormous AI investment programme is putting pressure on free cash flow.
Last earnings reaction: 🔴 ↓9.2%
◆ Question: Can advertising growth generate enough additional cash to support the AI buildout without further squeezing free cash flow?
$LRCX (Wednesday, after close):
Lam Research is benefiting from strong investment in advanced chip manufacturing, particularly memory. But the recent AI sell-off has raised questions about how long spending can accelerate.
Last earnings reaction: 🟢 ↑10.4%
◆ Question: Are memory and advanced chipmaking investments still strong enough to support Lam’s ambitious growth outlook?
$WDC (Thursday, after close):
Western Digital is benefiting from strong cloud storage demand, with higher sales and expanding margins. Expectations have risen sharply too.
Last earnings reaction: 🔴 ↓17.7%
◆ Question: Can data-centre storage demand sustain strong pricing and further margin expansion?
Every earnings report reshapes the Top Percentile rankings.


















