Monday, October 08, 2007

And More Meatballs

On my last post, Mum (hi mum!) left the following comment:

How much of this relational retardation is due to a generation of people where interactions are primarily "virtual"? Do interactions then take on an air of discomfort because ones have not learned to be genuine when dealing with "real" people? The rules of virtual communities are very different and are much more self focused than in-the-flesh interactions ever could be.


I was going to reply in the comments, but as I was writing, it kept getting longer and longer, so I just decided to make a full post about it.

Two of the group were definitely in their late 30s, which is, even at this point, too old to have their social norms set by virtual interaction. I agree that virtual interaction tends to be more anonymous and requires an entirely different set of social skills and cues than real-life interaction, but I also know at least two people that I have never met in real life with which I still manage to have a "deep" relationship (as deep as my friendship with Bob/Mark/Michael/etc).

After a weekend to reflect on this post, I think the issue is that our only culture now is mass culture (which isn't exactly a revelation). In the past, people cared about their neighbors, the events in their town/church/school, the history and cultural significance of things in their state or region. Now our only shared community seems to be mass culture, like hit songs, hit TV shows, hit movies, and professional (televised) sports. (A really excellent book on this phenomenon is called Bowling Alone.) I don't think people have lost the ability to interact on a deeper level, they simply have a narrowed range of topics for discussion. The old 'deeper' subjects still exist, but they require slightly more effort to broach than last night's Idol episode. Why would people that barely know each other dig for commonality when they have the obvious commonality of mass culture to fall back on?

I notice this creeps in even with my parents. I currently don't have television service. I supposed if I wanted to fish out some rabbit ears I could at least have the local channels, but I don't bother. Despite this, my mom still asks during idle conversation whether I have seen some new show or funny commercial. She isn't asking because we don't know how to interact socially, but these things are easy subjects when a 'deeper' subject isn't being pursued.

I think I only notice how pervasive mass culture references are now because of my varied attempts to not keep up with them. I don't have TV, I don't listen to the radio, and my time on the internet is confined to Hacker News and Slashdot. My only real connection to current events is the Economist, which isn't exactly trendy (thankfully, as I find the sparse dribble in more mainstream weeklies like Time and Newsweek to be rather repetitive and narrow), and NPR, which isn't either. I notice the references because I no longer get them. Maybe this whole tirade was just me feeling left out.

Friday, October 05, 2007

With Meatballs

So I was sitting in the break room upstairs eating some Spaghetti-O's when a foursome of generic business-casual people came in. Each was in their 30s, with alternating black or tan slacks and pastel-colored shirts. The two women wore gold bracelets and necklaces with little gold looking swirly things, and the guys each had their cell phones in holsters on their right hip.

They proceeded to ask each other where they were from, how long they had been working here, etc. Then an obvious awkward lull while they waited for the Pepsi Machine to do its business. I'm watching all this from the corner seat of the corner table with my Economist next to my bowl, amused. One of the guys brings up the Chiefs and miraculously the silence is broken. They chatter on about Sunday game rituals, like chili with the family or feeding the dogs bacon for good luck (no joke!).

At first I am amused at how utterly generic and meaningless this conversation is. Nothing more than an awkward cover story for being forced to mingle without supervision during a break in their day-long meeting. It kind of reminds me of being a new hire, and spending those first weeks constantly chatting with people that seem interested in you, but really are just excited to have new meat listen to their stories. Only, all four of these people looked like new hires, so it was bonus awkward.

Suddenly though, I got this gut-wrenching rage. Is this really our common culture? This... nothing? This shallow platitude driven nonsense? Instead of trying to meet people we simply all pretend to be generic people because we think that is what other generic people want. Short of the feeder-of-dog-bacon, not one of these people exhibited a personality quirk or unique story. And even bacon-feeder wasn't exactly stepping out of bounds by admitting that she liked dogs. Gasp!

Why is it that we create this weird divide between our personal lives (and hence our personalities) and our 'professional' lives? Is it that we are afraid of admitting our differences in fear of offending someone? I know that is how I feel when taking a new job. Be a yes-man to everyone until you figure out who thinks what and whose opinion actually matters. But even then, I'm not myself, because I just become what those-that-matter expect me to be. How is this behavior considered healthy?

It's just like we are all going through the motions of professionalism, and are afraid to just be people. I want to be friends with my coworkers, and not just 'at work.' Maybe it would just be easier to work with my existing friends, or to start my own company, than to find it elsewhere. I don't know, but I realized in that moment that I don't really care about the paycheck, as long as I can get by. All I really want is to have fun at what I do. Maybe I should reconsider this whole office-career idea, but for what?

Wednesday, October 03, 2007

Shell Games

So reading blogs today I found a kindred spirit when it comes to money (hyper)management. The guy over at MyMoneyBlog.com seems to have some interesting ways to nickel and dime yourself to riches, or at least extra cash. His series on using 0% interest periods on credit cards to earn interest on money that isn't even yours was amusing to read. While I won't quite go to his extreme, I have been doing something similar for some time.

The idea is to get a 0% period on a card for as long as possible with as high a credit limit as possible. You proceed to max it out, only paying the minimum during the 0% period, then pay it all off before regular interest kicks in. This requires some discipline to pay off on time, but should be easy if you have a pen and a calendar handy.

The point? You keep the real cash in high yield savings for the duration of the 0% interest period, earning a return on otherwise spent money. You use this cash to pay the card off at the end, but keep the earned interest. Obviously you are not getting rich on this scheme, but just delaying purchases like this will probably net me about $400 next year.

The guy at MyMoneyBlog.com advocates using balance transfer offers to basically transfer out negative balances, then request refund checks in the mail. While technically legal and all, it sounds like effort and possible hassle if anyone ever actually notices these shenanigans. He does make over $1000 a year doing it, so I guess if you really want to, some money is there to be made.

I just stick to the much easier method of basically delaying purchases as long as possible. This allows me to feed my paychecks directly into my savings. I can speed this up by paying for shared things (like bills, groceries, and trips) and have other people pay me back in cash, which I can keep on deposit. A bit stingy of me? Maybe... but it's actually kind of fun to play games with money. I think I get more enjoyment out of the act than the reward, as a $5k credit card is only worth about $200/year in interest.

Of course this is only possible with good credit, no balances, and people that pay you back (for shared expenses). Split a meal with someone that never pays you back, and you just flushed any advantage down the tube. Carry a balance on another card, and the interest there dwarfs anything you would earn with this tactic (always pay down high rate debt first - and credit cards are the highest rates). Bad credit, and you won't qualify for the 0% interest periods.

So an amusing trick (among many) to shuffle money and end up with more than you started with. It won't make you rich anytime soon, but it will pay the taxes on your cell phone bill. ;)

Monday, October 01, 2007

Blogging for the (lack of) Masses

Oops, let a month go by without a post.

Obviously we are settled in to daily routines at the apartment by now. I am excited because I finally bought an office chair that will allow me more than 30 minutes on my computer without back pain. The current situation (wooden kitchen chair) leaves me destroyed every night by the time I fall into bed.

Also bought a replacement motherboard for my laptop on ebay. Hopefully that fixes the no-booting problem (which has recently become 100% permanent). My only dota fix for like a week was this weekend when Ben was gone and I could steal his computer. Sad that I need such fixes, but hey, it's my one recreational activity.

That only leaves UPS and shoes on my list of things to buy, which means another $300 or so. I am debating whether to just get it over with now or put it off another month. I am leaning towards now, just to get it out of the way. Last paycheck went mostly into savings, which was a mental boost, but most of the next three will go towards the Amex card. Surprise car insurance this week didn't help matters at all.

Tonight will be filled with chores, but I hope to catch up on some reading too. I need to actually get ahead on my Economists so I don't feel like I am missing anything. Would also be nice to just devote a few days to finishing up The Singularity is Near (which I have been trying to read for a month).

Friday, August 31, 2007

Slacr

So my new machine is up and running. Quite nicely in fact. I'm especially fond of the modular power supply, as it is built like a tank. My only real worry is that the motherboard sags quite significantly (about an eighth of an inch) under the stock Intel heatsink. It is hard to tell if the sagging is from the weight of the heatsink itself or the pressure I had to apply to install it. Honestly not sure which scenario would be worse. I can't imagine the stock heatsink would be so heavy as to cause the motherboard to sag, but it's not like I pushed that hard on it either. So far everything seems to be running stably, but it just worries me.

The case itself is pretty tight, especially when I had to lace the IDE cable for my DVD drive. For that reason I returned that drive and got a SATA version. The SATA cables are nice and small.

Gentoo installation has so far gone well. All my hardware seems to be supported and I got X correctly configured the first try. The quad core seems to make compiling faster, but I haven't actually tried an objective comparison. Right now it is chugging away on OpenOffice, Firefox, Pidgin, and Conky. When I get home I'll sort out the Java mess and get Eclipse, Ruby, Rails, and Erlang compiled. Then I'll set up Samba and Cups. I know the printer sharing works, but still have to figure out the automatic driver serving. At the moment the client machine has to have the driver preloaded, which isn't a big deal for Ben or Kathy, but it'd be nice if it worked for any visitors too.

I'm also looking forward to trying out AzSMRC and Virtualbox. Hopefully I'll have enough time tonight to mess with that. If not, I guess I have all weekend.

Got new tires last night. Car = smooth as silk now.

Only other real focus at the moment is turning the financial situation around. I have been on a huge spending spree since I got home (computer, tires, apartment, shoes) and don't get my first paycheck until September 7th, which will immediately be passed on to American Express. I look forward to the day when I am putting money back into savings, which should be around October 5th by my latest estimate. Bonus points if harry and I get that side gig, which would move up F-Day quite a bit.

Wednesday, August 22, 2007

The Skinny on Dry Loop DSL with AT&T

As part of their merger with SBC and Bellsouth, AT&T is required to offer dry loop DSL (what you might call 'naked DSL' or 'toneless DSL') until some date in the future. About a year ago, I had dry loop service, and everything was great. Then I moved out of the country for a while, and just got back. When I called AT&T this time, the representative swore up and down that they no longer offered it, even when I said I was pretty sure it was required by regulators (op! this too!).

I have one friend that had dry loop, and several other friends that were also asking for it getting the same response. AT&T claims it's not offered because there is no demand. Fancy that... no demand for something they don't advertise and actively try to hide.

So finally I found the old number I called a year ago to set up my service. (Randomly stashed text files ftw!) For the midwest (11 states including Texas), that number is 1-800-264-0002. Let me make that clear, since you cannot find this number on the AT&T website.

AT&T Dry Loop DSL: 1-800-264-0002


The representative at this number assured me that they still offer dry loop, and quoted me the following prices (speeds noted as up/down):
  • 512kbps/3mbps (with 6 month contract): $49.99/mo

  • 256kbps/1.5mbps (with 6 month contract): $44.99/mo

  • 512kbps/3mbps (without contract): $54.99/mo

  • 256kbps/1.5mbps (without contract): $49.99/mo
While this is generally more than the bundled packages (with phone line), there are no taxes and fees like normal phone service. So if your plan is $49.99 a month, that is what you pay. Currently I nominally 'pay' $34.99/mo for 768kbps/6mbps DSL service, but by the time you add phone line and taxes it comes to about $65/mo. Not to mention I have to pretend to support AT&T's packaged deals, which I detest.

That brings me to the only downside I see. For some reason they could not offer me 6mbps download speeds with dry loop. Now I get to ponder whether that supposed extra speed (which I rarely if ever actually see, as my speed tests seem to top out at 4.5mbps on a good day) is worth the extra $15 a month. If any of you call them up and get 6mbps offered to you, please let me know.

Another tip: In some states telcos are required to offer what is called a measured line. If you have your line mainly for the DSL (and never use the actual voice service), you can ask for a measured line. This is still voice service, but you only get about 20-25 calls a month. The upside is it only costs between $5 and $7 a month. My state (Kansas) doesn't offer measured lines, so I am stuck paying $15.70 for basic service, without a phone even plugged into the wall. If you are like me and asked for the cheapest line possible (because you don't use it), chances are they gave you a flat rate line like mine. You could probably save about $8/mo if you switched to a measured line.

Thursday, August 16, 2007

Cheney on Iraq

No matter which side you are on, you have to admit this is amusing.

Wednesday, August 15, 2007

Shipped

So my new case was shipped yesterday evening from Rochester, New York. Hopefully that means it will get to my parents house by Saturday (when they bring up my desk), but we shall see. It was shipped USPS, so that could mean a longer wait than I had hoped.

I started this new computer with the intention of building something relatively cheap yet good. The problem is that I keep upgrading things slightly, and now I'm looking at like $1100 worth of stuff. Instead of a no-name power supply, I'm looking at a Corsair 450VX. Instead of a no-name case, I got a Qmicra II. Instead of a smallish hard drive, I'm getting a 750gb speedster. Instead of the 2GB of ram, I'm considering 4GB... 4GB of quality ram no less. Instead of air cooling, I'm wanting water.

Waking up at 6:45am has yet to get easier. If I have one complaint about a day job, it's the schedule. I don't see how anyone gets anything meaningful done being this tired.

We got kitty into our new place last night. So far her and Tulah have only approached to within six feet once, hissed, and ran in opposite directions. However, they sit and watch each other from 30 feet away without any hissing, so that is something.

Monday, August 13, 2007

Back in Town

Well just got moved back to Lawrence.

Several projects on tap at the moment. Helping Dad build me a computer desk for my new office space in my apartment. I really enjoy having an office area, and I'm sure I'll enjoy it even more once I have a big flat surface to work on. Also slowly putting together a new computer at home (only have the case bought at the moment). Preliminary specs are as follows:

  • Qmicra II Case
  • Core 2 Duo E6420
  • 2GB of DDR2-800
  • Western Digital SE16 750gb hard drive
  • Some kind of microATX motherboard (this is what is holding me back at the moment)
  • Possibly a GeForce 8600GT if the motherboard has crappy onboard video
  • Watercooling and generic DVD/CD writer
  • 24 inch black Samsung LCD that does 1920x1200
One thing I am excited to try is running XP on a VirtualBox VM from within Gentoo. It would be nice to be able to play DotA and use Skype without rebooting all the time. Not to mention it would free me from having a separate 20gb partition just for Windows. Now I'll just have a big fat 20gb binary file.

My laptop has some serious motherboard problems, so I'd like to get the new machine passably running so I can send the laptop in for repairs. It's past the warranty now, so it'll cost me, but need the darn thing to work well.

Current read is The Singularity is Near by Ray Kurzweil. I have just started it, but so far enjoy the heck out of it. Considering all the changes that have happened in my short life so far, I can't wait to see what humanity is like in 50 years.

Wednesday, June 06, 2007

A Viajar!

Kind of a belated entry, but I am now backpacking in Europe. We started on May 30th and I'm just getting around to writing that fairwell-for-now post I had meant to put up. I doubt I will really have time to read up on anything technical and comment on it here, so I think it's best I just take a break from writing until I get home.

That means my next post will probably be on July 27th or there abouts.

I'm really enjoying the complete vacation so far, and look forward to having some disconnection time to freshen up. I'll still be online at times, but mostly to make travel plans, and I'd rather not fill my blog with ramblings about that.

So, adios for now.

Friday, May 25, 2007

(Too Much) Free Money

I found this article on YC News today that claims that the recurring boom and bust of the Valley is somehow the Federal Reserve's fault. His only backup for this claim is a link to this article about the dangers of inflation, and the Wikipedia entry on the Fed itself. If you read the inflation article, you'll note it is from during World War II. While it rightly claims that inflation itself can be bad, the purpose is to support higher taxation and government borrowing during the second world war, not to talk about Fed policy in relation to economic bubbles. I'm not defending the Fed as perfect, the Wiki article has a whole list of criticisms, but I would ask what the better alternative would be... both to the Fed itself and (mild) inflation. The Gold Standard has been tried and found wanting, for numerous reasons. (The first link by a conservative writer, the second, by a liberal one, in case you think I am politically biased.)

Anyway, the point is that I'm confused at how the bubbles in the Valley (plural because maybe one is happening now, maybe not, time will tell) are the Fed's fault. There have been economic bubbles throughout history (South Sea Bubble, etc.). They always happen when what is normally a process played out by a small percentage of the economy (starting and funding businesses) gets popular and the rest of the economy tries to participate. Suddenly you have way more money (everyone is trying to fund small businesses and get rich) than you have startups (why come up with an idea and start your own company when you can just throw your money at someone else's Sure Thing™?).

After the bubble burst in 2000, the rich people that fund the VC firms and bought ridiculous IPO shares pulled back. They didn't pull back because it made economic sense, they did it because all the other rich people were pulling back. Markets are fickle and, much like high schoolers, move as a herd. It took a couple fantastic successes to get everyone on the bandwagon, and a couple fantastic failures to scare everyone back off it.

Here is my alternative explanation for why bubbles occur. No offense to the author of the other post, but I don't think it's due to inflation at all.

When dot coms (or Web 2.0) get popular, money comes flooding in to fund them, in the hopes of hitting the next Microsoft or Google. The thing that creates the bubble is that the number of startups doesn't increase proportionally to the money supply. There is a lag. In order to put all this money to use, everything under the sun gets funded. This is why people get money for doing nothing, as the post author claims. It's not because the Fed maintains a policy of low inflation. It's because you have too many dollars (that were probably up until recently chasing opportunities in the housing market) flooding into too few businesses.

In this case, supply creates demand. Funding becomes easy, even if you are creating no value for anyone. So, anybody with dollar signs in their eyes and a copycat idea gets funded (think Pets.com here). Of course, eventually one of these companies that is funded by easy money but has no profit potential fails as it should, and people start examining their own holdings. Maybe a couple more go down in flames, and suddenly startups look risky. Now our famously fickle investors want their money back before the next failure happens to be one they invested in. They try to dump their startups to acquirers or the IPO market. Above all, they tell themselves they will never get suckered in by dot coms and investing fads again. (Of course, two years later they create the housing boom by speculating in residential real estate.) In the sudden money vacuum, good startups get hurt because they can't find funding. The situation has reversed and now there are too many startups chasing not enough money.

My point is, the Fed has the power, and sometimes (as in the case of the housing boom/bust) the dubious honor of helping or exacerbating the boom/bust cycle. They can try to deflate bubbles by tightening up money, sucking away some of that extra funding. They can try to prop up markets by flooding the market with liquidity and cheap rates to keep people/companies spending. The thing they don't do is create the bubble to begin with, nor create the bust that invariably follows. The blame for that rests squarely on the herd mentality investors have, and the willingness of Pets.com and the like to take advantage of it.

Top 10 Dead Technologies

So YC News (or maybe it was Slashdot) had a link to the Top 10 Dead (or Dying) Technologies. Lo and behold, check out number 5 (I'll even save you the clicking and quote it here:


5. ColdFusion

This once-popular Web programming language -- released in the mid-1990s by Allaire Corp. (which was later purchased by Macromedia Inc., which itself was acquired by Adobe Systems Inc.) -- has since been superseded by other development platforms, including Microsoft Corp.'s Active Server Pages and .Net, as well as Java, Ruby on Rails, Python, PHP and other open-source languages.

Debates continue over whether ColdFusion is as robust and scalable as its competitors, but nevertheless, premiums paid for ColdFusion programmers have dropped way off, according to Foote. "It was really popular at one time, but the market is now crowded with other products," he says.


The real tragedy is that pretty much all my professional experience (i.e. worthy of putting on a resume) is with ColdFusion. Talk about a waste.

To make matters worse, management recently chose (god forbid they leave it up to the people actually writing the code) the only language that competes with ColdFusion in the over-engineered-stupidly-verbose-mind-and-soul-killer category: ASP.NET 2.0.

Time to put on some Incubus to make the pain go away. Anyone know how I can make $20k a year part time?

Wednesday, May 16, 2007

Summer Vacation

Growing up, summer vacation just meant the end of school to me. It was intrinsically a good thing, because I got to sleep in and every day was like a Saturday. Ninety Saturdays in a row. Now that I don't really have a summer vacation anymore, I have come to realize what it really was.

When you are a kid, summer is the natural demarcation point of age. Birthdays are always an occasion, but we really measured time by the passing of summers. Each summer brought the end of one epoch, and every August brought the beginning of an entirely new one. Kids can reinvent themselves over the summer. Some come back completely different. I remember a guy that used to get straight A's who came back after our sophomore year with a mohawk and a new penchant for getting high before school. I knew another guy that had piercings, tattoos, and a penchant for pot that came back after one summer with a crew cut and a new goal to be a Navy Seal. I have no idea what happened to them to affect such a change, but I'm willing to bet it wouldn't have been possible without summer vacation.

I think kids live in two entirely artificial worlds. One of them is school, with all its strange social pressures and crises. The other is summer vacation. School is a rather lame artificial world, summer is artificial only in that 'real life' sadly doesn't resemble it at all. In school, you have this contrived responsibility to do your homework and pass your classes. During the summer, however, you suddenly have a responsibility vacuum. School has its own hierarchy and social norms, while during summer vacation you only see the close friends you make an effort to see. School makes you work towards external goals (those of the teachers), while summer forces you to set your own.

Now, I wouldn't say that most summer goals are too lofty. When I was 17, I saved all summer to buy a computer. Going back further, I'd bet my goals as a ten year old were probably more along the lines of finishing my road in the sandbox or adding to my tree fort in the woods behind my neighborhood. The point is, in the absence of external goals, kids create their own. They don't stop to think about whether the goal is profitable, or even possible, or any of the silly things grown ups consider before setting out on a project. They just decide to do it.

Somehow this changes when you grow up. You wake up one day and think to yourself: "I don't want to go to work." At first, this feels kind of like school again. Who wants to go to school most days? But when you get to that point in school, you make the last push to make it to the next vacation. The thing is, work is not like school. There is no summer vacation from work. No time to check out for 90 days in a row. Even if you could just take a break from a job, it wouldn't be like summer vacation as a kid. You'd still have to keep up the house, run errands, and worst of all, pay for stuff. If you haven't experienced it yet, taking an unpaid vacation doesn't have quite the same carefree quality as a worry-free summer does.

The worst part about this is that, without a summer vacation, there is no time to reinvent yourself. To reinvent yourself, you need a break from routine. This forces you to examine yourself (usually subconsciously) and figure out what to do. When you have a daily routine, time passes almost unconsciously, and if you change at all, it's to be more like those around you. Without a routine, you suddenly have to find something to fill the time, and that something usually leads to a personal change.

Personal reinvention aside, routine also affects your goals. When you spend five days out of seven working towards someone else's goals, it's hard to justify making more of your own. Suddenly you spend time analyzing whether an idea is 'worth the effort' before you start it, and sadly, this is where most ideas die. A kid doesn't analyze anything, they just do it. A grown up wonders if it will fit in.

The point to all of this rambling is two-fold. First, if you are a student now, don't replace one routine with another. I know for most students it seems prudent to get a summer job to save up money for the coming school year, but don't do it. This is your time to be creative, to figure out what your passion really is. You can't do that if you never form your own goals and instead work towards someone else's.

My freshman year in college I got what at the time was a great job. It was the spring of 2002, and the dot com bust was in full swing. Computer Science grads were coming out with diplomas and no jobs, so I counted myself lucky to get paid to program. Granted, the language sucked (ColdFusion), and the site I worked on was neither hip nor bleeding-edge by any means. But it was a job that paid $14/hr to write code when everyone thought my field was dead. I counted myself lucky.

Looking back now, I realize how unlucky I was. Sure, returning to that job each summer allowed me to graduate without any debt, and gave me a couple years experience on my resume right out of the gate. At the time, it seemed like all upside. The downside is simply that I robbed myself of all that creative time. Three months, once a year, to both reinvent myself and work on crazy projects without a care in the world.

So, if you are a student, don't get that summer job just to fill the summer. Get that dream internship in your field if your field needs internships, but if your field is like mine (computer science), then you don't. What you need is an idea, a case of coke, and a computer. What you need is to do something you are passionate about. If the summer job at Target makes you jump out of bed every morning in eager anticipation, then, by all means, work it. But if (more likely) you are doing it for the cash, then just don't.[1]

For the non-students out there: quit your job. It's that simple, really. If you don't wake up every morning and nearly forget to shower because you are so excited to get to work, then quit going. (Or try and get a three month sabbatical if you think they'd go for it.) If you made it this far in my essay, odds are that you aren't that happy with your job. You need a summer vacation. Worst case is at the end you find a new appreciation for your job and come back rejuvenated. Best case is you reinvent yourself and at the end find a new passion. Maybe you'll start working on an idea you have always wanted to 'get around to' but haven't. Maybe you'll find out that you'd rather be in field X instead of your current one. Maybe you'll just remodel your basement. The point is, you'll accomplish something and feel refreshed. This is the the great thing about summer vacation: by the end you are new again.

Granted, you'll have to plan a bit more carefully than a college kid does. You don't have the mom and dad safety net nor the access to cheap capital (student loans). You do, however, probably have other financial tools at your disposal. Home equity, if you own a home, is a cheap source of funds if you know you can repay it later. Simply saving up three months expenses is another way. Might as well put that fat paycheck to use on something besides new cars and suits. There are small business loans if you want to go that route, and credit cards always allow you to put off expenses for a few months. Bram Cohen wrote Bittorrent while living on no interest credit cards that he maxed out in succession. If you can reasonably pay them down before the no interest period ends, this is like a zero interest loan.[2] There is no free lunch, but there is no reason you can't eat two weeks worth of dessert upfront.

Summer vacation is important, and as soon as you don't have it, you stop changing. It needs to be long enough that you can't glide through it by goofing off (you need to get bored). It needs to be totally free of routine (again, you need to get bored). Most of all, you need enough money to get through it without focusing on the money part. A little planning ahead can get you all of this, and it is well worth it.

Don't fall into the trap of thinking that summer vacation is a luxury for kids only, and if you are still in school and have it, don't waste it trying to work like a grown up. Go apply to Y Combinator or Google's Summer of Code instead. Spending years in an unchanging environment without a chance to remake yourself isn't healthy or natural, as much as cultural stigma tells us to the contrary. Do it for too long and you might never find time to grow as a person, work on that crazy idea, and chase that dream, whatever it may be. So here is to hoping you have a great summer vacation.



Footnotes:

1. If you are wondering how to pay for all this free time and don't think your parents will spring for the idea of you not working, there are these great things called student loans that are just made to take advantage of. Everyone looks at student loans as the refuge of last resort, but I'd argue they are infinitely better than summer jobs. You get a chunk of money upfront without giving away any time in the present. It's like mortgaging your time in the future (when you trade your time for money and then use the money to pay it back). You get three months now to reinvent yourself and find a passion in exchange for some time spent paying it back later. It's a total win because the amount you borrow to live as a college kid is going to seem like peanuts by the time you get around to paying it back.

2. I got one the other day from Chase that was no interest for 18 months. The $2000 credit line will reasonably buy me two months of living, and who can't pay back $2000 in 18 months (live on it for two months, then dedicate a whopping 72 cents of every hour for the next 16 months to pay it back in time).

Wednesday, May 09, 2007

Why credit cards are bad (and good)

So I got this email today from Providian (provider of one of my Visa cards) about a past due payment. I, being as drewish as I am, freaked out a bit and went to check on that account. Sure enough, I had a balance that was due April 14th, that I had never paid. After seeing it, I remember getting the last payment notice. I had gone to the site to make the payment, but their site was down for maintenance, so I just decided to come back later. Of course I forgot, and it never got paid.

This is mainly annoying for two reasons. First, I made it a point of pride to never pay the credit card companies a cent in interest. I have always paid my balances in full, before the due date. To me, a card is a means of increasing my liquidity and simplifying my planning. Since they give me a month lag between purchases and paying for them, I can know ahead of time how much of my paycheck is going to be spent (since it was in the past) and can put the rest towards savings and such. It's a nice system, and has worked wonderfully for years. I only carry $100 in my checking account, for cash emergencies. The rest is in high yield savings at ING Direct at all times.

Well now I have paid a credit card company my first cent. And, since I'm so generous, I paid them 2337 more cents for letting me spend my money through their service. I guess this was bound to happen eventually.

The second annoyance is that this will probably dent my credit score for a bit. Not that I need a better score or anything... it's already in the 90th percentile... but it's just the principle of the thing. I won't be buying a car or house anytime soon, so it doesn't really matter.

Anyway, I think when I get back I'm going to take a couple cards out of my wallet. I have four, and I really don't need them all. I had two to begin with, just in case, but then I got my American Express card, which I prefer to use for the rewards points when I can. Then, before coming to Spain, I got the Chase card because of the no interest offer. I plan to use it to cover this summer when I have no paycheck and am spending money all over Europe. When I get back however, I think I'll just ask Capital One for a higher limit and cancel the others. Keeping track of four accounts is a major time suck, and really I don't need that much credit. I have enough revolving credit at this point to live on it for two years. Obviously that would be stupid, since at the end of two years I'd be paying interest like crazy, but I could do it if needed.

Anyway, I still think cards are a great way to increase liquidity and plan ahead. They are also handy for unexpected expenses. Plus, I have enough points on my Amex card at this point that I'm planning to buy computer parts with them when I get back. So they aren't all bad.

Friday, April 27, 2007

Small Joys

So today has been a day of small joys. Little things keep making me happy.

For one, Google updated the style of their custom homepage to give everything a border and some tighter margins. It's just more visually appealing, and I find myself looking at my homepage for no other reason than that it's pretty.

Secondly, I ran across this (rather old) post about "real databases" that I thought was priceless. If only I could go back in time and hand this to my bosses at work when they laughed at me for suggesting we move our app to MySQL. We pay well over $100k a year for database licenses, and frankly I don't think MySQL lacks anything we need. Oh well, I am mainly bitter about being laughed at in the meeting, the fact we are wasting a ton of money isn't really my problem.

Also, now that I understand how to user rdoc at a basic level, I managed to generate the rdocs for various plugins I have installed, as well as the ruby standard library. This means I can accomplish more programming without the internet.

To top that, I found that hostal in Nerja that I like online, and sent them an email. Hopefully we will be able to get a room there. I was just happy they had a website.

Ademas, (I'm running out of synonyms for 'also' so I'm using some Spanish ones), I'm slightly less sick than yesterday. On the upside, I used my sick time today to read up on acts_as_ferret, and now have a general grasp of how to use it. Just found a page defining the query language used by ferret (FQL) and was delighted to find it already does prefix queries, which is what I was prepared to implement. Overall, I think using acts_as_ferret will be easier than my existing MySQL search.

Anyway, I'm off to find other fun things to read about. Happy Birthday (in a couple days) Bob!

Wednesday, April 25, 2007

Aire Comprimido

Note to everyone: Using compressed air to remove dust from your laptop's heatsinks can lead to a 40 degree celsius (72 degree fahrenheit) difference in your CPU and GPU core temperatures. I highly recommend doing this once every six months.

So yeah, my laptop is much happier now. It took me an hour and nine stores to find compressed air in a can, and it cost me an absurd $13, but it was worth it. My laptop no longer turns off during DotA games (it doesn't even break 60C anymore), and my left hand no longer rests on a furnace when I type.

Also of interest, I am withdrawing from classes here for the month of May to focus on Magic site stuff. Hopefully some good will come of this!

Sunday, April 22, 2007

Contraption

So the new Magic set is on Gatherer now. The cards generally look sweet, and since it is supposed to be a set of cards pulled from future Magic sets, there are a ton of new keywords and weird abilities. Fortifications for one... and hints of strange new card types like 'planeswalker' and 'tribal' (in addition to creature, enchantment, land, etc). Also, one card mentions 'contraptions' ... but the set itself has no contraptions. Quite mysterious, but well themed.

Anyway, it's about to pour here, so this will be a quick one. I have mainly been working furiously on my AJLA stuff to get it done in time, and it has been going well. Magic site has sadly been on hold as a result though. I have been writing down ideas as they come to me however.

Friday, April 13, 2007

Holy Cards Batman!

So a new Magic set comes out in two weeks! I wish I was back so I could participate in the joy of opening boosters. Oh well.

Stayed up late last night (a whopping 2am, how weak) working on the site. It was fun times. I hope to get some more done this weekend. I am trying to get it together enough to deploy a test version to another machine so I can do payment integration. That should be a fun problem to solve. Also a few big areas to rough out, and some general prettying up to do. Hoping to show it off to Bob and Mark soonish.

Also, to continue my drewishness, I added a sheet to my spreadsheet to track the balances of my credit cards, in an effort to control spending like I used to. My freshman year of college, I lived on $600 a month. I know that is impossible now (my rent was a paltry $188 back then), but I'd like to try and shave $100/mo or so.

Of course, I could just go back to Ramen and Spagetti-O's and shave a couple hundred right there. But I like Chipotle and I like Taco Johns, and recently I have been quite proud at my fledging ability to cook. For instance, yesterday I took drum sticks and covered them in garlic and oregano and cooked them. That is an accomplishment for me. I also found that fruit is good when you don't let it rot on the counter.

But I still miss Chipotle.

Thursday, April 12, 2007

Rain

So it has been rainy and cold for about two weeks now. It has rained nearly every day. I just want some warm weather!

Just read this excellent article on hiring and retaining high quality programmers. It reads like a laundry list of complaints I have about my current job. I have been working away on my work requests, trying to get stuff done in time enough to not get fired. Sadly at this point I almost kind of want them to make the decision for me. If only it weren't for money and my need of it. Just hoping to stay employed through the end of May.

In other news, steadily improving my Ruby-Fu. I desperately need a graphic designer though... harry? I take comfort in the fact that Google is so minimal because Larry and Sergy were bad at graphic design too, but I'm not trying to create the next Google either.

Yesterday I was reading a wiki about blocks and procs in ruby. I'd forgotten how much fun this stuff was. It brought back my Scheme and I'm resolved to read through Structure and Interpretation of Computer Programs again. Need a way to not have to worry about money and just nerd it up again. I'm determined to find a way!

Anyway, back to coding.

Monday, April 02, 2007

Examen y lluvia

Today was our monthly test. Considering I only studied for about 5 minutes before they handed it to me, it went really well. Pretty sure I aced the Conversation, unless she grades my essay down a bit for the usual gramatical mistakes. I think I write at about the 8th grade level, so you can picture the red that covers my papers when I get them back.

Grammar went pretty well too, but I'm only seeing maybe an 85 on it. Oh well, a 50 is all I need.

Last night I finally straightened out my subversion issues, and can move forward on the site again. Only problem is that I really need to get my AJLA work done this month, so I should probably just start on that and get it out of the way.

Bob: Since I never see you online anymore, if you read this, you should think of ways you think it would be easy to add cards to your collection/deck on the magic site. My current thought is have search results with a link to 'Add to Collection' ... but I didn't know if this would be clunky. I don't want the user to have to go a million places in order to accomplish something like adding new cards to his collection or finding cards to build a deck with.

Anyway, the battery is about dead on my precious computer, so I'm going to tromp home (in the rain) and do some chores. Adios todos!