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Comment: Re:Billionaire saved by taxpayer (Score 2) 118

Student loans are the most secure loans made.

You cannot default on a student loan. You can be in bankruptcy, broke, homeless, unemployed, with kidney failure, and you still cannot default on your student loan. There are only two ways out: pay it off, or die. And seeing as how most folks incur student loans when they are 18-26, odds are strongly in favor of the lender.

You can refinance student loans, people didn't in the past because your student loan was at ~3%. When the House GOP refused to pass a continuation of the low rate program, they jumped to 6-7%. So at this point, if you have equity in your house, life insurance, or retirement fund, it may well be worth it to refi with a secured loan and get back to 3-5% APR.

Also, my credit union was just advertising new vehicle loans for 2.85% APR. And as far as secured loans go, vehicles suck on the secondary market, there's just too much depreciation as soon as you drive it off the lot. But if you're paying 7%, or the 18% number you mention, it's because your credit rating is likely crap. Heck, even my credit card is at 9%, and I'm sure there are better rates out there.

-Rick

Comment: Re: And it's not even an election year (Score 1) 407

The positions are out there.

My last hiring blitz I had to bring in 28 contractors. Mainframe coders, Java devs, analysts, project managers, ETL/BI, reporting...

Trying to find 4 qualified Java developers took multiple postings. Sure, I'd get 40-100 resumes for each posting, but the majority were complete trash.

Most recently I've been looking for C#/Python/GIS devs.

And just yesterday I saw that Camelot Unchained was looking for a C# developer with threading knowledge and it's almost enough to make me quit my management life, move to DC, and get back into software development.

Getting a job as a good coder in Madison, WI isn't hard. Finding good labor available on the market in Madison WI... good luck.

-Rick

Comment: One of the ones my son uses (Score 3, Informative) 315

by RingDev (#49442279) Attached to: Ask Slashdot: How To Introduce a 7-Year-Old To Programming?

My kid loves this one: http://codecombat.com/

I got him started on it when he was 10, and he completed all of the free levels in two weeks with minimal help after I worked with him through the first few.

Lots of other great recommendations here: http://venturebeat.com/2014/06...

The board game one I've heard is good for younger kids, but once they have it down it's rather boring.

-Rick

Comment: Re:Over exaggeration = fodder to the climate denie (Score 1) 304

by RingDev (#49430755) Attached to: Obama Says Climate Change Is Harming Americans' Health

There's a moving picture going on and this conversation is focusing on 1 frame.

The EPA is currently wrapped up in litigation over their legal authority to regulate CO2 emissions. One of the current arguments being put forward by the coal industry lobby is that even if AGW is real, it isn't having any immediate and measurable impact on the health of Americans. If there's no health concerns, then there's no reason fro the EPA to regulate.

So the President goes out and makes a statement, backed up by multiple research papers (someone posted links above if you're interested in digging into them and debating their merit), that say that no, in fact, AGW/AGCC is having a direct impact on the health of Americans.

Out of context, it seems like an odd thing to go on the stump about, but in the context of the EPA/coal industry court battles, it makes sense as the feds are trying to ensure the EPA retains it's legal authority to regulate CO2.

-Rick

Comment: Re:So - the fact that others are doing it makes it (Score 4, Insightful) 312

by BigDaveyL (#49429129) Attached to: Google, Apple and Microsoft Squirm As Global Tax Schemes Scrutinized

Unfortunately, I would agree.

If a country wants a piece of the action, maybe they should take a good hard look at their tax code. They may have to lower taxes *gasp* Perhaps getting 17% of something is better than getting 30% of $0.

The reason companies do this is because it's more profitable to hire an army of lawyers and accountants to skirt local laws.

Comment: Re:More jobs, not less? (Score 1) 442

It may "create" jobs - just not the ones we want. I can envision that it would create lower paying service jobs in the short term.

I think the intention of the H1B system was to bring the "best" people over to the US. Their "ideas" would create jobs, but I don't think that has panned out over the long term.

Comment: Re:Lies, bullshit, and more lies ... (Score 4, Insightful) 442

This is usually my response to people who say "Software Development is red hot."

It's red hot if you're a senior level person in some specific tech/industry. It is also very dependent on geography, and people can't exactly get up and move easily.

Comment: Re:Keep the foreigners at bay! (Score 1) 442

At least until the locals catch-up to the market requirements...or else they risk being put out of a job because they cannot compete.

While that is a valid counterpoint to keeping the H1B program, I think part of the problem is companies choose not to invest in training programs and/or set the bar to high many times. Your mom and pop operation does not need to hire Donald Knuth to update their CRUD based inventory system.

"I have more information in one place than anybody in the world." -- Jerry Pournelle, an absurd notion, apparently about the BIX BBS

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