Honestly, I hope so. There seems to be some sort of bubble or crash every 7-12 years. The market's been crazy, something's going to give and I can live with it being bitcoins.
This. I expect we'll see a surge of older programmers in the next decade as those of us in the field continue to work. I think the age discrimination thing may be a thing in silicon valley, but here where I'm at everybody is so desperate for a competent programmer that they can't be choosy over age.
I've always worried about age discrimination as well. But that's because I don't often see any software engineers in their 50's and 60's. Is the issue that companies aren't keeping or hiring older people or is it because there are fewer people of that age grew up around computers? When I was a kid I was monkeying around with a Commodore but few people even my age were doing that. What about people 10, 20 years older? It wasn't even an option for many of them.
Plus, most companies I know are so desperate for a competent software engineer that they can't be choosy. Much like the argument about why there aren't many women software engineers I think it may be more a problem of availability rather then discrimination. (Just my opinion)
I had a friend who instead of putting his last salary added up all his benefits with his salary and provided them with that. It bumped his "wage" by a considerable margin. Ironically, it was a law firm that he went to, working in IT. He argued that if they found out they would actually be impressed with how he framed it to his favor instead of giving his base salary. I think he's right.
I am an huge Dave Ramsey fan and therefor haven't had a credit card for many, many years. My credit score for over 800. The only thing holding my credit score at all is my mortgage and the line of credit on my checking account that I never dip into. Either way, at the end of the day, I don't care what my FICO score is because I don't use debt in any way. Sure, I might miss out on some cash back points or frequent flier miles but I don't care. My life it a lot simpler because of it.
Kids these days, no respect! You can call me anything you want but as long as what I'm doing is smart, like not replacing a phone until you have to, I don't give a rip what you think. My money will be me more good in the bank then wasted on a new phone every year.
Even though some banks can't process your car loan, or other credit. Your goal in personal finance should be to not need credit and to pay cash for everything. If you don't have the cash then you can't afford that car.
The answer is simple to anyone who puts any critical thought into it. You buy a used phone that's one year old and sign up for a pre-paid plan. If you want the new shiny, lease, but I like my new shiny in the form of currency in the bank (or invested properly where it turns into more shiny). I like buying things that go up in value, not down. So I drive a $2000 (reliable) car and use a 3-year old phone. I'll replace either one when they stop working.
Any good financial adviser will tell you to pay cash for everything and never lease or borrow money for anything with the exception of your house. Despite what people may tell you, when you have no payments for anything, it's real easy to pay cash for things, even cars.
The hardest part is finding documentaries the provide a balanced viewpoint. I used to recommend Waiting for Superman, a documentary on the U.S. education. Turns out it's extremely biased. Here is what I would recommend:
Anything Frontline. Specifically, Sick Around the World and Sick Around the US talk about health care before the ACA. The Retirement Gamble covers how many 401k plan's fees are so high they soak up all the growth.
CGPGrey on YouTube. I think he's a former teacher and has a knack for explaining things in short 10 min. clips. Covers all kinds of topics.
Extra Credits: History on YouTube. They like to create fun animations to explain a specific historic topic. It's fun and informative.
The Untold History of the U.S. Some people I've talked to think it's bias against the U.S. But I think it's that way by nature because it's designed to cover what our history books don't cover. Additionally, I had a co-worker from Kazakhstan. I learned a lot from him on Russia's perspective.
Maybe Ben Shapiro. He was recommended to me by a friend. I'm still up in the air on him. He's conservative but makes good arguments that are hard to ignore.
In the US we have to fix Health Care before we could event consider UBI. We have many good examples from many other countries that prove that a Single Payer system works, yet many voters think it's a horrible idea. If UBI does actually work the U.S. would probably be one of the last countries to do it, largely because of our culture.
Honestly, if it weren't for family, I'd move to Denmark or Sweden (my heritage)
Where I live (Republican Utah) most the people I talk to don't disagree that global warning is happening. They just argue that it's either not our (the US's) problem or that it's not as critical as it sounds. That the "science" community is hyping it up too much. It's hard to hold a straight face and not get mad but that is there perspective.
Very few people I talk with don't believe in evolution. They believe that evolution was the tool god used to create humans. Because genesis was written before we had a decimal based numbering system the authors were incapable of understanding large numbers, like 4.5 Billion years.
You can criticize these people all you want, but I see people trying to explain how science and religion can both be true.
I was going to suggest Ubisoft.... but I'm pretty happy with how they've handled Rocksmith since they acquired it. They updated it to a better user interface. Allowed most the songs from the first to be imported into the second. And they've continued to release new DLC every week.
As an American the most frustrating thing to me is that our political agendas are being set more by big businesses than the public. (This applies to both parties) Loads of people here in the states are intelligent and do care about the world. I have yet to meet someone who actually believes climate change isn't a thing. I live in Republican Utah. I have meet people who think it's not as bad as "they" say or that companies shouldn't be restricted because we can't compete with China because of those restrictions. We're losing jobs since it's cheaper to do business elsewhere.
I try to explain that health care benefits and labor costs have more to do with why it's expensive to do business in the U.S. Taxes might also be a reason, but I'm no tax expert and I don't trust big media or politicians to weight in on it.
As for China polluting they just opened up this solar plant: http://www.sciencealert.com/th... That's a lot more then what we're doing here.
I agree. I don't ever plan to move unless something drastic changes. As I've seen my own net worth grow because I'm not house poor I truly feel bad for people who do end up with too much house.
SF is an edge case here. In most the U.S. the land is the inexpensive part. The raw materials for the house are far more expensive. In my area, a.25 acre lot sells for around 70k. Houses range from 300k-600k.
As a software engineer, I can almost guarantee that my quality of life is much higher here then it would be in SF, even though I could make almost twice as much in SF.
As a point of comparison I budget $340 for gas, $280 for maintenance/replacement, and $61 for insurance every month. That's for two cars but I live in a fly over state and rarely have to pay for parking. I'm smart so I don't borrow money to buy a car. If I include the purchase price of the cars over the time I've owned them right now that has cost me $563. This number does decrease over time but not by much.
The total cost of ownership for my 2007 Honda Accord (180,000 miles) and 2000 Toyota 4Runner (190,000 miles) is currently $964 per month. A zip car may seem expensive, but I'm pretty frugal. Owning a car isn't going to be much cheaper then this considering how far my wife and I commute.
You're not alone. Smart people will drive a car until the wheels fall off and use their phone until it doesn't turn on. (or can't hold a charge for a full day)
The Tesla III is not designed for the wealthy. I know many people who will take these fun buses because then they can drink without having to worry about driving. It's not like public transportation.
In UT we pay a state sales tax when purchasing any vehicle. The state will miss out on that tax if the car is purchased in NV. I would buy one except I don't buy new vehicles, Unless they prove to hold their value. When I do buy a used one then I will have to pay sales tax if it's purchased in UT.
I also want to point out that a huge part of the "1%" are hard working people who save their whole lives. It's more like the 0.01% that are a problem. http://www.motherjones.com/kev...
Wendover is about a 2 hour drive from Salt Lake City. Many of the Casio's supply a "fun bus" that ferry people from UT to enjoy all the other things that are illegal, too. I'm just sad that UT will, once again, miss out on taxes that they should be getting.
I can't actually be sure it blocks the ads because I pay for their ad free service (I do it for the music but it covers youtube ads as well) but it used to.
Slashdot Mirror
Honestly, I hope so. There seems to be some sort of bubble or crash every 7-12 years. The market's been crazy, something's going to give and I can live with it being bitcoins.
This. I expect we'll see a surge of older programmers in the next decade as those of us in the field continue to work. I think the age discrimination thing may be a thing in silicon valley, but here where I'm at everybody is so desperate for a competent programmer that they can't be choosy over age.
I've always worried about age discrimination as well. But that's because I don't often see any software engineers in their 50's and 60's. Is the issue that companies aren't keeping or hiring older people or is it because there are fewer people of that age grew up around computers? When I was a kid I was monkeying around with a Commodore but few people even my age were doing that. What about people 10, 20 years older? It wasn't even an option for many of them.
Plus, most companies I know are so desperate for a competent software engineer that they can't be choosy. Much like the argument about why there aren't many women software engineers I think it may be more a problem of availability rather then discrimination. (Just my opinion)
I had a friend who instead of putting his last salary added up all his benefits with his salary and provided them with that. It bumped his "wage" by a considerable margin. Ironically, it was a law firm that he went to, working in IT. He argued that if they found out they would actually be impressed with how he framed it to his favor instead of giving his base salary. I think he's right.
You don't need credit if you've got cash. My parents have been out of debt for decades and they're fine.
I am an huge Dave Ramsey fan and therefor haven't had a credit card for many, many years. My credit score for over 800. The only thing holding my credit score at all is my mortgage and the line of credit on my checking account that I never dip into. Either way, at the end of the day, I don't care what my FICO score is because I don't use debt in any way. Sure, I might miss out on some cash back points or frequent flier miles but I don't care. My life it a lot simpler because of it.
Kids these days, no respect! You can call me anything you want but as long as what I'm doing is smart, like not replacing a phone until you have to, I don't give a rip what you think. My money will be me more good in the bank then wasted on a new phone every year.
The problem with an open system is that you sometimes have to accept things you don't like; pulseaudio, systemd, Trump!
Here is an article from the FTC on freezing your credit: https://www.consumer.ftc.gov/a.... I also recommend doing it.
Even though some banks can't process your car loan, or other credit. Your goal in personal finance should be to not need credit and to pay cash for everything. If you don't have the cash then you can't afford that car.
The answer is simple to anyone who puts any critical thought into it. You buy a used phone that's one year old and sign up for a pre-paid plan. If you want the new shiny, lease, but I like my new shiny in the form of currency in the bank (or invested properly where it turns into more shiny). I like buying things that go up in value, not down. So I drive a $2000 (reliable) car and use a 3-year old phone. I'll replace either one when they stop working.
Any good financial adviser will tell you to pay cash for everything and never lease or borrow money for anything with the exception of your house. Despite what people may tell you, when you have no payments for anything, it's real easy to pay cash for things, even cars.
I guess, sort of but some of the best fights I've ever seen were on the pre-fight card of people I didn't know.
The best way to handle any scam is to use the Jolly Roger Phone Company. http://www.jollyrogertelco.com...
Watch the YouTube channel. It's so bad, I actually feel sorry for the poor telemarketers.
The hardest part is finding documentaries the provide a balanced viewpoint. I used to recommend Waiting for Superman, a documentary on the U.S. education. Turns out it's extremely biased. Here is what I would recommend:
In the US we have to fix Health Care before we could event consider UBI. We have many good examples from many other countries that prove that a Single Payer system works, yet many voters think it's a horrible idea. If UBI does actually work the U.S. would probably be one of the last countries to do it, largely because of our culture.
Honestly, if it weren't for family, I'd move to Denmark or Sweden (my heritage)
Where I live (Republican Utah) most the people I talk to don't disagree that global warning is happening. They just argue that it's either not our (the US's) problem or that it's not as critical as it sounds. That the "science" community is hyping it up too much. It's hard to hold a straight face and not get mad but that is there perspective.
Very few people I talk with don't believe in evolution. They believe that evolution was the tool god used to create humans. Because genesis was written before we had a decimal based numbering system the authors were incapable of understanding large numbers, like 4.5 Billion years.
You can criticize these people all you want, but I see people trying to explain how science and religion can both be true.
This needs to be voted up. I never thought about the fact the UBI would change the need for a minimum wage.
I was going to suggest Ubisoft.... but I'm pretty happy with how they've handled Rocksmith since they acquired it. They updated it to a better user interface. Allowed most the songs from the first to be imported into the second. And they've continued to release new DLC every week.
As an American the most frustrating thing to me is that our political agendas are being set more by big businesses than the public. (This applies to both parties) Loads of people here in the states are intelligent and do care about the world. I have yet to meet someone who actually believes climate change isn't a thing. I live in Republican Utah. I have meet people who think it's not as bad as "they" say or that companies shouldn't be restricted because we can't compete with China because of those restrictions. We're losing jobs since it's cheaper to do business elsewhere.
I try to explain that health care benefits and labor costs have more to do with why it's expensive to do business in the U.S. Taxes might also be a reason, but I'm no tax expert and I don't trust big media or politicians to weight in on it.
As for China polluting they just opened up this solar plant: http://www.sciencealert.com/th... That's a lot more then what we're doing here.
I agree. I don't ever plan to move unless something drastic changes. As I've seen my own net worth grow because I'm not house poor I truly feel bad for people who do end up with too much house.
SF is an edge case here. In most the U.S. the land is the inexpensive part. The raw materials for the house are far more expensive. In my area, a .25 acre lot sells for around 70k. Houses range from 300k-600k.
As a software engineer, I can almost guarantee that my quality of life is much higher here then it would be in SF, even though I could make almost twice as much in SF.
As a point of comparison I budget $340 for gas, $280 for maintenance/replacement, and $61 for insurance every month. That's for two cars but I live in a fly over state and rarely have to pay for parking. I'm smart so I don't borrow money to buy a car. If I include the purchase price of the cars over the time I've owned them right now that has cost me $563. This number does decrease over time but not by much.
The total cost of ownership for my 2007 Honda Accord (180,000 miles) and 2000 Toyota 4Runner (190,000 miles) is currently $964 per month. A zip car may seem expensive, but I'm pretty frugal. Owning a car isn't going to be much cheaper then this considering how far my wife and I commute.
You're not alone. Smart people will drive a car until the wheels fall off and use their phone until it doesn't turn on. (or can't hold a charge for a full day)
The Tesla III is not designed for the wealthy. I know many people who will take these fun buses because then they can drink without having to worry about driving. It's not like public transportation.
In UT we pay a state sales tax when purchasing any vehicle. The state will miss out on that tax if the car is purchased in NV. I would buy one except I don't buy new vehicles, Unless they prove to hold their value. When I do buy a used one then I will have to pay sales tax if it's purchased in UT.
I also want to point out that a huge part of the "1%" are hard working people who save their whole lives. It's more like the 0.01% that are a problem. http://www.motherjones.com/kev...
Wendover is about a 2 hour drive from Salt Lake City. Many of the Casio's supply a "fun bus" that ferry people from UT to enjoy all the other things that are illegal, too. I'm just sad that UT will, once again, miss out on taxes that they should be getting.
Or you can download this text file and update your hosts file with it. http://winhelp2002.mvps.org/ho...
I can't actually be sure it blocks the ads because I pay for their ad free service (I do it for the music but it covers youtube ads as well) but it used to.