Monthly Archives: March 2008

A Realistic View of the Economy

Yesterday, I read an article on CNN called From $70K to food bank.

It describes a woman who was laid off in February from a job paying $70,000 a year. “Weeks later”, with bills “piling up and in need of food for her family”, she went to a food bank.

The article proceeds to talk about the subprime lending situation at great length, which is largely irrelevant to this person’s situation.

Then we learn she applied for food stamps, but was denied. There’s a quote from this person about how frustrating that was, and general “tugging at the heartstrings” trying to make us feel sorry for this woman with two children whose mother moved in to help make the house payment. It seems to me that this is a correct decision; someone that can pay a $2500 mortgage each month ought to move into an apartment before trying to leech food or money from social service agencies.

And that’s where this story gets interesting.

She has an interest-only mortgage, and is managing to pay the $2500 bill each month.

If you’re not familiar with an interest-only mortgage, here’s how it works. The bank loans you money to buy your house — say, $200,000. This is a loan, and you have to pay interest on it each month, just like a regular mortgage. But with an interest-only mortgage, you never pay off the loan. You could be making monthly payments for 30 years and still owe $200,000. In general, the only ways to “pay off” this kind of loan is to sell your house, or get a conventional mortgage that pays off the interest-only loan.

Interest-only mortgages were largely banned after the Great Depression. Prior to that time, they were how mortgages normally worked. But there are several problems with them. One is that you have to pay on them forever, even after you retire. Another is that you can’t move unless you can sell your house for at least as much as the bank financed, even if you’ve lived there for 20 years. In times of declining housing prices and unemployment, that really stinks. People often default on the loans, and from a bank’s perspective, that really stinks, too.

Interest-only mortgages are usually used by banks financing construction (we had one for a few months when we renovated our farmhouse) or other short-term projects such as professional real-estate investors that buy old houses and fix them up to sell at a profit. Except for these things, in general, they should never be used for a primary house. It’s not in the interest of the bank or the homeowner.

But since you never pay off the principal, the monthly payments can be lower. It seems likely that this woman took a knowing gamble, buying a home more expensive than she could afford, and somehow found a bank willing to finance this. Problem is, both she and the bank took a knowing risk. If she ever ran into financial difficulties, she’d have to sell the house quick. But now the house is probably worth less than the value of the mortgage, so selling it won’t remove the loan — BUT it would let her pay off a large part of the principal, reducing her monthly payments and giving her some wiggle-room to buy food and pay off the rest of it.

It seems to me that she is unwilling to own up to the calculated risk she took, and wants society to help bail her out. Don’t get me wrong; I think we need to help people that run into hard times. We need to help make sure they still have the tools they need to find a job and a place to stay. But bailing out people that take huge financial risks shouldn’t be the job of society. Let’s help them land softly, but not be enablers keeping them in a home they never could — and still can’t — afford. Fortunately, I don’t think anyone in government (or running for president) is suggesting we should.

Not only that, but her bank shouldn’t have ever made that loan. Banks should be held accountable to not sell unwise products to people that rely on them for their primary residences.

Here’s another interesting point: in just a few weeks, she had burned through her entire savings.

This, unfortunately, is a quite typical situation for many Americans. My financial planner, and I think most experts, suggest that everyone ought to have 6 months of income in liquid non-retirement assets (savings accounts, investments, etc.) in case something like a layoff happens. Very few Americans have this.

And when it comes down to it, isn’t that part of the problem? The economy thrives on consumer spending. Or, put more starkly, overconsumption. If people start saving like they ought to, and stop feeling like they’re outcasts just for not keeping up with the Joneses and buying every last gadget or the biggest house, we’d all be in better shape — but the economy wouldn’t have grown as much.

The growth it would have seen, had we all been more responsible, would have been a lot more durable and recession-proof, I think.

The Power of Love

A few years ago, Elvera Voth, a musician that grew up a few miles from here was back in the area. Her specialty is vocal music, and one evening, she led a hymn sing at our church.

During the event, she talked about how much music can touch the heart. Elvera remembered many years ago that a woman in the church was leaving for a service trip to India. She would be gone for 7 years straight. None of her family or friends would be able to see her during that entire time.

The day she was to depart, friends, family, and church members went with her to the Santa Fe station in Newton, KS. While waiting for her train, at some point, the group started singing. Elvera remembered that they sang So nimm denn meine Hände (Take thou my hand, O Father) and Ich bete an die Macht der Liebe (O Power of Love).

Elvera remembered they sang in the station, and the high, wood ceilings made it sound like the music filled the whole building. I can’t think of a better goodbye than that.

Elvera remembered so many details about the event, but two things she didn’t remember were who was leaving and what year this happened. So I remembered this story for awhile, but didn’t really follow up on it.

Then last December, our neighbor Hildred called. Hildred and her sister live on their old family farm about a mile from us. They’re some of the older members of our church, and I believe both of them have lived on that farm their entire lives. Hildred heard that I am gathering photos for a book about the centennial of our church, and she offered to bring some of them over. Knowing that it was cold and dark outside, the roads were snowy, and that Hildred drives a car at least 40 years old (because “Daddy said this is a good car”), I offered to drive to their place. “Oh no,” she said, “it’s no trouble. I like to get out. Besides, I haven’t seen your house since it’s been remodeled!” So she came over.

Hildred had stacks of amazing old photos from the church and the community. And she had a stack of photos and letters from India, where her aunt Augusta Schmidt was a nurse for 14 years. She was very proud of her aunt’s service to the needy there. I started to put things together in my head and asked her if she remembered singing at the train station when Augusta left for India. “Oh sure,” said Hildred, as if everyone knew about that.

So that’s how it happened that the “historical moment” on Feb. 10 was about Augusta Schmidt. Each month during church, leading up to our centennial in October, we have a brief time where we highlight some interesting story from the church’s past. I happened to mention this one at a historical committee meeting.

So, on that Sunday in February, someone got up and told everyone about Augusta’s life. She was born in 1894 and graduated from college with a nursing degree in 1927. She heard about India at a conference, and quickly felt that God wanted her to serve there. She left for India in the fall of 1927, and would serve two 7-year terms there.

She wrote that India was a beautiful land, contrary to things she had heard. The city where she worked (I believe it was Bombay, but I’m not positive) had hallmarks of a wealthy city, such as educational institutions, hotels, etc. However, it saddened her greatly to learn that 80% of the people in the city were homeless and slept on the street. No doubt this played a role in her dedication to service there.

After we learned about Augusta, the choir sang So nimm denn meine Hände — one of the songs that Augusta heard at the train station back in 1927. Imagine you were there, 81 years ago, seeing a friend off on a trip across continents, not to see her again for 7 years. Then the people there start singing a cappella

So nimm denn meine Hände
und führe mich
Bis an mein selig Ende
und ewiglich!
Ich kann allein nicht gehen,
nicht einen Schritt;
Wo du wirst gehn und stehen,
da nimm micht mit.
Take thou my hand, O Father,
and lead thou me,
until my journey endeth
eternally.
Alone I will not wander
one single day.
Be thou my true companion
and with me stay.

You probably weren’t there that day in 1927, or even the day in February when the choir sang the song. I wasn’t either because I had the flu that day. But I borrowed the cassette recording of that day’s service, recorded using the best we have right now — the wrong type of microphone pointed the wrong way, onto a cassette tape that has certainly been reused way more times than anybody knows.

Click here to listen.

The choir sang the first verse in German, verse 2 in English, and the whole church joined in on verse 3. I’m told there weren’t many dry eyes in the church after that. After all, how could you keep a straight face singing “Take, then, my hand, O Father, and lead thou me, until my journey endeth eternally” right after the narrator read about Augusta’s retirement and death, saying, “there, I was surrounded by friends, but most of all, by the sovereign love of God who had been with me my entire life.”

Postscript

Remember Elvera Voth, from whom I first learned this story? In 1961, she moved to Alaska. Elvera taught at several universities; founded the Anchorage Opera; directed the Alaska Festival of Music, Anchorage Boys Choir, and Alaska Chamber Singers; and there is Elvera Voth Hall at the Alaska Center for the Performing Arts.

But her best work, I think, happened after she retired and moved back to Kansas in 1995. In 1998, Elvera founded the East Hill Singers, a choir composed mainly of minimum-security prison inmates, plus volunteers from the community. Elvera has inspired so many people, taught them that they have value, that they can succeed and make themselves better. One of the said:

Can you imagine what a standing ovation feels like after being told all your life that you are worthless?

And another inmate commented:

It made me feel like maybe I’m not just being punished. I mean, I am being punished for what I did. But being in this program made me think that I can also come out… well, better … a better person.

It all makes me think. What an amazing thing these two women with love in their hearts have done to make this planet a better place. Is it even possible to do that by using weapons that kill and power to frighten?

As Elvera puts it, “many of the men in prison will be back in the community soon. I’d rather have them as a neighbor with hope in their hearts than with hate in their eyes.”

At long last, software.complete.org migrated to Redmine

I’ve been writing a bit about Trac and Redmine lately. For approximately the 1/3 of the publically-available software that I’ve written, I maintain a Trac site for it at software.complete.org. This 1/3 is generally the third that has the most interest from others, and there’s a bug tracker, wiki, download area, etc.

Trac is nice, and much nicer than one of the *Forge systems for a setup of this scale. But it has long bugged me that Trac has no integration between projects. To see what open bugs are out there on my software, I have to check — yes — 17 individual bug trackers.

To keep track on the wikis to make sure that nobody is adding spam, I have to subscribe to 17 different RSS feeds.

It took me some time just to hack up a way so I didn’t have to have 17 different accounts to log in to…

So, mainly, my use case for Trac isn’t what it was intended for.

Enter Redmine. It’s similar in concept to Trac — a lightweight project management system. But unlike Trac, Redmine allows you to have separate projects, but still manage them all as one if you please.

Redmine didn’t have Git support in its latest release, but there was a patch in Redmine’s BTS for it. I discussed why it wasn’t being applied with Redmine’s author, and then went in and fixed it up myself. (I used Git to make a branch off the Redmine SVN repo — very slick.) Unlike Trac’s Git support, Redmine’s is *fast*. I tested it against a clone of the Linux kernel repo on my local machine.

There are a few things about Redmine I don’t like, but I have learned that they mainly have to do with Ruby on Rails. As someone pointed out on Planet Debian lately (sorry, can’t find the link), the very nature of Rails makes it almost impossible for OS developers like Debian to include Rails apps in the distribution.

Not only that, but it seems like Rails assumes that even if you are just going to *use* an app, you know how to *write* one. For instance, this is pretty much the extent of documentation on how to set up a Rails app to be able to send out mail:


# See Rails::Configuration for more options

And of course, googling that turns up nothing useful.

Redmine is a rails app, so it cannot escape some of this. It seems to be a solid piece of work, but Rails seems to make things unnecessarily complex. That, and I’ve found some bugs in the underlying Rails infrastructure (like activerecord not quoting the schema name when talking to PostgreSQL) that make me nervous about the stack.

But the site is up and running well now, so I’m happy, and am planning to keep working with Redmine for quite some time.

If Version Control Systems were Airlines

Many of you have seen the net classic If Operating Systems Were Airlines. Today, let’s consider what the world might be like if version control systems were airlines…

Before anyone gets mad, this is all in fun, OK?

RCS Airlines: One of the first airlines, from way back when this whole aviation thing was new and exciting. Each RCS flight carries exactly one passenger, which RCS believes is a superior way to fly. Although most RCS airplanes are rusty and battered today, RCS Airlines still retains its historic dedication to security. Each airplane is kept locked as much as possible for safety. Occasionally flights will be delayed for hours because the pilot can’t open the locked plane. When this happens, the pilot will frantically try to get the cell phone number of whoever it is that has locked the plane. When the plane finally gets unlocked, you may be tempted to ask why it was locked for so long. Veteran RCS users have learned that the answer is usually disgusting, and never ask anymore. Main competitor: CP/M airlines.

CVS Airlines: Founded on the belief that they could be more efficient than RCS by carrying multiple passengers per flight. They still carry each passenger in a separate RCS-built airplane, but the airplanes fly in a goose-like “,V” formation. Watch out for layovers, though. It can take hours to merge new passengers into the formation properly, and it might take several attempts to take off afterwards.

CVS flights often feature fights over who gets to fly. CVS piloting fights are legendary; rumor has it that OpenBSD got started after CVS airlines refused to allow a passenger to board on the grounds that he had in the past refused to stow his tray table in the upright and locked position.

CVS airlines mostly counts as customers the “over-50” crowd who grew up using CVS and don’t like change. Its in-flight magazine features advertisements for balding-reversal treatments and uuencode tools.

Main competitor: AIX airlines.

Subversion Airlines: Started by some grey-haired CVS executives with long, wispy beards, Subversion airlines got started by trying to be “CVS, but better”. Subversion airlines was the first major airline to use planes that seat more than one passenger. Unlike CVS airlines, all passengers on a Subversion flight travel in the same plane.

Subversion airlines is famous for its Soviet-like centralized control. All operations must be approved by the Kremlin, and you are allowed, by the grace of the Party Leader, to gaze at the massive airplanes. Those that have served the Party and Airline well for many years are allowed to enter the Great Shrine of the First-Class Comitter, and actually make changes to the airplanes themselves. Plainclothes Subversion Airlines security agents lurk on every flight, and you should not be surprised to be thrown out an airplane window if you make a joke in bad taste about the pilot’s flying skills.

Subversion airlines thrives on the concept that “photocopying is cheap”. You are encouraged to make photocopies of your ticket, or to photocopy your photo ID, and give copies of each to as many people as you can. At checkin time at the gate, if more than one person arrives with a copy of the same ticket, they are ushered into the “merging room” and each person is given a brick. The door is closed, something magical occurs, and the one person that emerges still able to walk is allowed to board the plane.

Main competitor: Windows airlines with no Administrators allowed.

tla airlines: Founded by one of those eccentric British noblemen, Lord Tom’s airline is the utopian philosopher’s airline. Chafed by the heavy-handed control of Subversion Airlines, tla airlines wants every passenger to be created equal. As you approach the gate area in the terminal, you will find many philosophers occupying the gate area, extolling the virtues of tla airlines. They compare tla airlines to reaching out and touching the heavens, leaving behind the bonds of a ground-based life, actually merging with the stars. Oh, the gorgeous beauty of it all! The things we will see!

As you see people arriving from another flight, you observe that some of them have burn marks. One of them comments that “merging with the stars doesn’t work.” Immediately, a dozen philosophers get in a fight with him, claiming that he simply doesn’t understand what it means to merge with the stars, and that if he gets his inner being in the proper state first, he’ll have a much better experience.

As you board the tla airplane, you obvserve that the jetway is a mile long. The airplane itself reminds you of something of a cross between a gothic cathedral and a level of Doom. There are spectacular archways everywhere, sometimes where they don’t really belong. Each archway is supported by ornate curly braces which you don’t normally see on airplanes, and frankly, you’d rather not, because they look all pointy and confuse the kids.

As you arrive as your destination terminal, you see it too is full of philosophers, most of them dining.

Main competitor: VMS airlines.

Darcs Airlines: Unlike every other airline, this one uses physicists instead of engineers to design its airplanes. One brilliant Darcs physicist has finally come up with The Theory of Everything, and as such, Darcs knows where you want to go before even you do. Darcs airlines prides itself on customer service, and asks your preference for even the tiniest details about your trip.

Each seat pocket features a copy of the Theory of Everything for your reading enjoyment, but nobody actually understands it.

Occasionally, you will find that Darcs pilots get into angry conflicts with the control tower in mid-flight. This results in the control tower revoking your permission to land. Legend has it that one Darcs pilot of a plane with exceptionally large fuel tanks actually resolved his conflict with the tower and landed two weeks after taking off. Experienced Darcs users board with several parachutes: one for themselves, and a few more for the newbies.

The Darcs physicists claim that the Theory of Everything predicted the pilots would act this way, and that all pilots eventually act this way throughout the entire universe. They toil day and night finding a way to adjust the gravitational constant of the universe, thereby reducing the anger factor of the pilots.

Main competitor: OS/2 airlines.

bzr airlines: Founded by a South African who had been injured by a curly brace on tla airlines, bzr airlines aims to be “tla done right”. They have shortened the jetway, gotten rid of the curly braces, chased out the philosophers, and no longer have a vision of merging with the stars. Many that were injured on tla airlines fly bzr airlines, and out of respect for tla airlines, bzr airlines will still honor tla tickets.

bzr passengers consider themselves part of an exclusive club because each flight takes off from a launchpad. They often can be seen standing in the terminal passing out bzr literature, trying to get passengers of other airlines to fly bzr, and can’t understand how other airlines continue to exist while people keep walking past their airplanes.

Main competitor: BeOS Airlines.

Bitkeeper Airlines: One of the world’s faster airlines, Bitkeeper airlines occupied that obscure gate for rich people at the end of the terminal for many years. Tickets on Bitkeeper Airlines were rumored to cost thousands of dollars, and were rare and jealously guarded. Then for awhile, Bitkeeper Airlines started giving away tickets for free, though they also kept around the expensive tickets for those with discriminating tastes. Free tickets were made widely available, but the 3-point type on the back of tickets said that you were never allowed to think about another airline before, after, or during your flight, and some people claimed they actually saw the small print morphing right before their eyes.

Bitkeeper flights often featured arguments over whether people were harboring secret thoughts of other airlines. If you were caught thinking about another airline, you were expected to scream vigorously while being thrown out the escape hatch without a parachute. All of this commotion tarnished the rarified air that the rich people paid to experience, so one day it was decided that there would be a Great Purge, because obviously all free ticket holders had harbored lustful thoughts of other airlines, so they were all thrown off the airplanes simultaneously. Today, people aren’t exactly sure where the Bitkeeper gate is, but everyone suspects it still lurks somewhere.

Main competitor: SCO Airlines.

Mercurial Airlines: The “there’s one right way to do it” airline, Mercurial is a sterile, agile, and shiny airline. Every Mercurial airplane looks identical to every other one, shiny and clean. You could swear that all the passengers look alike too, and as you approach the gate, it seems like you too look like everyone else. Mercurial passengers tend to be a happy bunch, who can’t comprehend anybody that flies Git Airlines. Specks of dirt and dust confuse the pilots, so it is best to make sure you have showered before boarding. It is rumored that, through bolting on more engines, some Mercurial airlines can fly to as many places as Git airlines can, but most Mercurial passengers are content to not worry about that.

Main competitor: Python Airlines.

Git Airlines: The “there’s more than one way to do it” airline, Git flies the world’s largest and fastest airplanes. Git Airlines was founded by some priests who were flying for free on Bitkeeper Airlines and survived the fall after the Great Purge. Git airplanes start as spartan, empty cabins, with no carpeting, chairs, or piloting controls. At the departure gate, each passenger is handed a bag containing 173 standard airplane components, accompanied by a 4×5″ sheet of information on the theory of flight, written in 1950. Once onboard, the passengers use these components to finish out the airplane for flight: installing chairs, rudder controls, etc. Every flight results in a plane assembled in a different way, and passengers on each flight believe they are flying the world’s best airplane. Arguments in the terminal after a flight are common, as passengers from different flights debate the merits of their particular design.

Despite all this, Git planes turn out to be safe, and Git passengers believe they get to their destinations in half the time it takes any other passengers, though sometimes they secretly wonder if the Mercurial flight got there faster. Occasionally, passengers on Git airlines build an airplane that appears to go into a tailspin. When that happens, they simply assemble a tool that lets them go back in time and change history so that it doesn’t crash, although it is rumored that if you are a member of the public watching this happen from the ground, it will lead to seizures.

Git airlines takes special pride in the one piece that passengers don’t have to assemble: the plumbing. Every Git lavatory is equipped with state-of-the-art never-fail plumbing, and the best porcelain washroom fixtures money can buy. None of these cheap plastic toilets like you get on every other airline. Here, we have fine porcelain fixtures.

During a flight, after passengers use the lavatory, they frequently get into arguments with each other about which style of porcelain toilet is the best. These arguments are only resolved by the Zen-like Git Priests, who insist that only inferior passengers need to use a toilet while in the air.

Main competition: Perl Airlines.

Git Feature Branches

I’m really liking this.

So I set up some Git feature branches to help get Redmine patches from their BTS into their SVN trunk faster. (I don’t know why, but it seems to take a *very* long time for that to happen.)

Each BTS patch gets a Git feature branch. My Git repo for this project has about 21 branches in it.

So, I pull upstream into a branch called, well, upstream.

Each feature branch is created off upstream.

Then, the master branch merges all the feature branches in. I wrote a simple git-merge-fb shell script that just runs git-merge for each feature branch. Very simple. I expect to have a git-pull-fb script of some sort that merges upstream into each feature branch when I update against upstream. It could also run a diff at the end to see if there is any difference remaining, and if not, delete the branch.

It’s trivial to give an updated diff to upstream for any given patch: git diff feature-blah..upstream will do it.

I only wish gitweb had a way to do that so I could just hand out a URL that always corresponds to the latest diff against upstream for a given feature. Now that would rock.

Thoughts on Redmine

A few days ago, I discussed Trac and Redmine. Redmine is a project management tool, similar to Trac, with built-in download tools, bug tracking, etc.

Redmine has a lot of nice features. Chief among them is better integration between multiple projects, so I don’t have to go to 17 separate pages to see the open bugs on my projects.

But I’m worried about the Redmine community. It appears to live in an insular Ruby world, without much participation outside. I wrote about some of those concerns in their forums. I’ve also submitted bugs to Redmine, some with patches.

Also, it’s concerning that, although Redmine includes a very nice forum module, the Redmine forums are still on RubyForge. Also, there are many bugs in the Redmine BTS that have patches but little, if any, comments from the Redmine people that have commit access.

It could just be that Redmine is a fairly new project and just needs some time to get on its feet more. It’s been around since July, 2006, which isn’t all that long on the one hand… or quite awhile, depending on how you look at it.

The git support patch for Redmine looks very nice. However, after a month, it still hasn’t been replied and there’s no indication why. Which also is troubling.

So I think I’ll sit with Trac for a little while until I get a better feel of how Redmine is progressing.