Calculator loan mortgage refinance

In honor of ASTD's 60th anniversary, I thought it would be interesting to step back in time 60 years and take a look at some technologies of 1944, and compare them with some of today's technologies.

Key innovations of 1944

Sixty years ago, some pivotal patents, inventions, and discoveries were made that are tied to current technologies and, in some cases, current learning technologies. Cultural readiness issues related to technology were also coming to the forefront. Harvard University researcher Howard Aiken and Grace Hopper invented the first programmable calculator, the Mark I, in 1944. It was a tremendous advance for the time. It not only did basic mathematical calculations, but also higher-level and higher-function math calculations. This calculator was a behemoth, measuring 55 feet long and 8 feet high. It weighed 5 tons and had 760,000 pieces. It took three to five seconds to complete a multiplication operation, dauntingly slow by current standards. Aiken predicted in 1947 that "only six electronic digital computers would be needed to satisfy the computing needs of the entire United States." Hopper was the first person to coin the word "bug" for a computer error. A moth caused a hardware fault in the Mark I, and Hopper was the first person to "debug" a computer.

Fast-forward to 2004

Calculators are ubiquitous across the landscape. There are scientific calculators, mathematical calculators, financial calculators, and a gamut of other specialized calculators for an endless set of functions and reasons. Calculators come in all shapes and sizes and can be free or cost thousands of dollars. Basic mathematical calculators are so cheap to produce now that they're often given away by companies as a marketing tool.

Do you want to know if it's the right time to refinance your home? How much can you qualify for a loan? Just go to one of the thousands of sites that contain mortgage calculators and the like: e-loan.com, mortgage.com, wamu.com, e-trade.com. Looking to know how much salary you'll have to make in Jacksonville, Florida, to equate to your old job in Provo, Utah? Go to homefair.com or a host of other salary calculators and answer the simple questions in the tool.

Are you trying to wade through the morass of Internal Revenue Service regulations to know how much you need to pay or how much your refund will be? Use one of the many tax software programs, which are really high-end and complex calculators that use IRS regulations and heuristics to help you complete your tax returns. Many new automobiles have on-board calculators baked in to help you determine miles per gallon, miles until you have to add gas, and so forth.

The world of workplace learning and performance has its own set of calculators, which are oftentimes part of spreadsheets, LMSs, or Web-based tools. For example, return-on-investment calculators and courseware development cost calculators focus on helping practitioners provide summary data calculations on related issues and concerns.

The key theme for all of the calculator types mentioned (there are thousands more) is that they are embedded into real-world problems and issues. When first conceived, the Mark I probably didn't have as many practical applications and, because of its development cost, was unlikely to have ubiquitous use. Think about the various ways you use embedded calculators in your daily life.

The magnetic tape recorder was a phenomenal invention. It was the basis for end-user control later in history. Phonograph technology had already been invented by 1944, but it wasn't readily accessible for the average person.

The U.S. Navy had great interest in this technology as a way to record German U-boat radio messages. In fact, a couple of the earliest magnetic tape recorders were recovered from Germany in 1944, and became the basis for continued development of this technology for many years.

The first cassette tapes were invented in 1962, by the Philips Company of the Netherlands. The company was shocked and amazed by the demand for the technology. In 1963 in the United States, the Norelco Carry-Corder dictation machine was sold using this new cassette technology.

I remember in 1973 my family got a cassette recorder and recorded all kinds of things: conversations around the dinner table, Secretariat winning the Triple Crown on television, and silly plays that my brother and I staged. I found a few of those original Sears cassettes, and sometimes I play them for a laugh and for my 14-year-old son so he can laugh as well.

When you look at the impact of the magnetic recorder, it has been huge. We have micro-cassette recorders now and digital recorders used in telephone answering machines, MP3 players, and everything in-between. Digital recorders inhabit pens, PDAs, cell phones, computers, and more. Audio voice recognition is used for biometric recognition and access by some organizations. Who knows what innovative uses for recording technology will be in the future?

The overarching principle that resonates through the development of magnetic recording and related derivative products is empowerment. Many of these devices and innovations enable users to record sounds, music, data, interviews, and more ad infinitum when and how they want to. That meshes with the on-demand nature of society, and I think subsequent technological innovations will mirror that capability. There's already evidence of that with technology in related fields: Writeable-recordable CDs and MP3 players allow total customization of music, which I think will drive further change in the music industry than is already happening. Some recording technologies for television, such as Tivo and DVD recorders, empower people in ways not imagined before. DVRs (digital video recorders) let people record TV broad casts to essentially a hard drive connected with their televisions. Personal DVD recorders are already on the market.

From the perspective of workplace learning and performance, this technology has been tremendous. Training (and marketing) organizations have been able to create audio recordings in audiocassettes, in computer files for replay later, on CDs for distribution later, and in many other uses. Other inventions of 1944 include the aerosol spray can, the kidney dialysis machine, synthetic cortisone, the long-distance rocket and air-to-air missile, and the electron spectrometer. Also in 1944, Oswald T. Avery discovered the importance of deoxyribonucleic acid (DNA) in organisms and the role it plays in heredity.

The beat goes on

When I reflect on some of these innovations, discoveries, and inventions, a common theme comes to mind. People are often shortsighted when they develop something. They can see only the innovation for a specific and finite use. What's incredible is that when more people get involved, they can see the potential beyond the original functional design. Think of the people who developed the Internet and how its use has radically evolved and is continuing to evolve.

Look at tools, technology, and innovations beyond what they were originally designed to do. That's when the fun begins. We can't all create innovative technology, but we can all create the extraordinary from the ordinary by thinking from a different viewpoint.

Digital Beat covers technology trends, news, and tips. Send comments, questions, and items of interest to digitalbeat@astd.org.

Your Input

To suggest new technologies you'd like covered, contact Darin Hartley at darin@guide.com.

Darin E. Hartley is director of solutions development at Intrepid Learning Solutions, Lguide Research & Consulting; darin@lguide.com.