Your Questions About Odd Calculator

Robert asks…

What is the best way to take care of my debt?

I have around $10,000 of utility debt… about $15,000 in medical bill debt and about $30,000 in student loans (which I know nothing can really be done about). My credit score is horendous… in the 400’s! I can’t afford to just pay everything off so I am wondering if anyone knows the best way to clean this up?

Your feedback is much appreciated!

admin answers:

If you file for bankruptcy, you can wipe the utility debt and medical bill debt. This does have a long term impact on your credit score, though. You cannot discharge your student loans through bankruptcy. Obviously, if you’re able to make payments on your debt, this is preferable to bankruptcy. You might even be able to work out a deal regarding the utility and medical debt, with the collections agency (if they’ve gone into collection), or with the company you owe the debt to (if they haven’t gone to collection). After all, they’d rather get their money eventually than for you to file bankruptcy.

I would suggest you contact an attorney regarding the above debts. This is because each state has differing laws on bankruptcy, as well as when a debt it still collectable. As an example, if you haven’t made any payments for a certain period of time, then some debts are considered no longer collectable. This may or may not be the case in your situation, which is why I recommend contacting an attorney who specializes in these matters.

If your student loans are federal loans, you can enter into an income based repayment plan on those by contacting your loan servicer. You can calculate what your payments would be under an income based repayment plan here:

If you work at a public service job, with the qualifying definition available on the website, you are eligible for student loan forgiveness if you make on time payments under the income based repayment plan for 10 years. If you have any other job, you’re eligible after 25 years of on time payments, although unless you’re making extremely little and have an extremely massive debt (which you do not), it’s unlikely either of those conditions would benefit you. Then again, they might benefit someone else reading this answer with a similar problem, to yours.

If you’re able to pick up additional hours at your job, or get a second job (part time or full time), or do any kind of odd jobs that would allow you to earn additional income, that would obviously be a good start providing you use the additional income to pay down your debt. This might not be the most enjoyable option for you, but being debt free will be worth it, and if you have to work a second job, even a second job you hate, for awhile to do it, so be it. Especially if you don’t have any children or other dependents, it’s certainly doable to work two full time jobs, or even two full time jobs and a part time job on the side, or a full time job and one or a few part time jobs. You could theoretically double your income (or more) by doing this, and while it might not be sustainable long term, it could very likely help you get out of debt. Even if you worked a second full time job for a lowly $10/hour, that’s about an extra $20,000 per year before taxes, and almost certainly enough to help you make on-time and in full payments on your existing debts. Given that you have student loan debt, I’d presume that you can probably command more than $10/hour for your labor, too.

Furthermore, try and live more cheaply than your currently are. Living within your means is important, and will not only help you to pay down your debt, but also help to ensure that you won’t end up in debt yet again.

Joseph asks…

Does a singularity of infinite mass prior to the Big Bang make sense?

If I am correct that there exists a scientific consensus that (1) the number of atoms in the universe is finite and that (2) the mass of the universe is finite, doesn’t a singularity of infinite mass contradict these two assumptions?

admin answers:

Well, there is nothing about infinity that makes much sense, but again, we are trying to apply human intuition to concepts that extend beyond normal understanding. Perhaps it’s easier to think of it as the error condition that occurs on your calculator when you try to divide by zero. Does that make intuitive sense? Similarly, fitting a finite mass into a zero-dimensional point gives us infinite density. I don’t pretend to understand it either, beyond that, it’s just another bit of complex mathematics that I take the expert’s word for.
What is infinity, anyway. There are an infinite number of whole numbers, {1, 2, 3, 4, 5…}. There is also an infinite number of odd whole numbers, {1, 3, 5, 7, 9…}. That second set by definition has to be half as big as the first set, but they are both infinitely big. Does that make sense? Likewise, there are apparently an infinite number of digits in pi, 3.14159….ad infinitum. How does that make sense.
There are some things we simply have to accept as „That’s just the way it is“, and this is one of them.


Ken asks…

Is there a formula for the square root?

I just want to know any means of gaining the square root. Even it it is not a formula.

I would also be okay with any properties dealing with the square root.

Really, any tips, comments, links, ( etc) will be great. Just as long as you help me know more about it.

admin answers:

There is actually a way to calculate a square root with the 4 elementary operations (addition, subtraction, multiplication, division). If there wasn’t a method of doing so, calculators wouldn’t be able to do it! By the way, at the core of calculators, they only have 3 basic operations, OR (addition), AND (multiplication), and NOT (inversion). Additional operations can then be derived from those 3.

Let’s say you want the square root of 5. That is the number multiplied by itself to get 5. That number is irrational, i.e. It doesn’t have a defined value, a non-repeating, non-termination decimal. Rational numbers can also not be expressed as a fraction, a whole number divided by a whole number.

So, take an estimate. 2 times 2 is 4. Since 4 is smaller than 5, the square root of 5 must be larger than 2, but smaller than 3 (because 3 times 3 is 9). Try 2.5 and square that. You get 6.25. Clearly, that is too large, so it must be smaller than 2.5, but larger than 2. Try 2.25 and so on…

You can continue doing that just by doing arithmetic multiplication.

I’m not sure about the method calculators use. I’ve heard of using some complex function like the natural log, or base 10 log. But even that baffles me because those functions seem quite irrational themselves. Wikipedia has everything you need, that is if you understand it. A determined pre-calc student may be able to figure it out.

There always seems to be a continuous polynomial for every „curvy“ function. And when I say curvy, I mean something like a trig function or exponential function (unlike a quadratic or linear function). There’s also a curvy continuous polynomial for the square root function.

Again, something odd comes to mind. If squaring a number is just multiplying that number by itself, why isn’t square rooting a number something similar, just in reverse? You would think math would be at LEAST half way symmetrical.

Sharon asks…

What are the odds of conception in this instance?

My boyfriend and I had unprotected sex twice this week. One time on Monday and again on Friday. He did ejaculate in me both times. I had my period on October 26th. I looked at the ovulation calculator and appears I’m in the window if I was trying to conceive this would be the week to do so. We’re not trying to conceive and we recognize we were being stupid, but will deal with it responsibly if something happens from it. I know the only way to know is to wait and take a test.
I was just wondering what the odds are of becoming pregnant from this? Serious answers please.

admin answers:

Very very foolish

Laura asks…

What is the largest power of 2 that divides 127^2-1?

Choose from the following answers:
A. 2^7
B. 2^8
C. 2^63
D. 2^127

Would this question be possible to do without the use of a calculator?
If so, please give an explanation of how you solved it.
Thank-you!!! 🙂

admin answers:

127² – 1
= (127 – 1)(127 + 1), by using a² – b² = (a – b)(a + b)
= 126 * 128
= (2 * 63) * 2⁷, via factoring (note that 63 is odd)
= 2⁸ * 63.

So, the largest power of 2 that divides 127² – 1 is 2⁸, choice (B).

I hope this helps!

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