Let’s outsource the bankers

The main argument for bankers earning vast amounts of money seems to be that in a global market, they’ll just bugger off somewhere else if we can’t match the money available elsewhere. But the odd thing is, for the rest of us, globalization has led to stagnating wages as jobs have been outsourced to countries with cheaper labour. Odd that the free market doesn’t work in the same way for the rich as it does for everyone else.

So if we assume that maybe this argument is a bit of a fib, and assuming we can find decent replacements in some far off land who are willing to work for a much smaller pay packet, can’t we just outsource all our bankers along with some of our well paid CEOs? That’s some offshoring I wouldn’t mind seeing.

Developer interview questions

A while back I had to interview some people for a developer role at work so came up with a few questions, combining a few from the web with some of my own. This is essentially a note to myself for next time I’m interviewing.

jQuery
What's a jQuery selector? How would you select an item by its ID? By its class?
Give some examples of JQuery UI effects and widgets and what they could be used for

.NET
What's an interface? Compare and contrast with an abstract class
How does memory management differ between .NET and a non-managed language? How can we make .NET behave more like a non-managed language?
What are generics? Why use List<> instead of ArrayList?
What's a virtual function? How does it relate to OOP?

Web
What is a RESTful web service? Why are they preferred to SOAP web services?
What are the common data formats returned by an AJAX web service call? Is one better than the other? What about if you wanted to call it from a fat client?
Name and describe several HTTP status codes
Name the various HTTP verbs and when they are used

General
Your application has a performance problem, how would you investigate the issue?
An error occurs in your web application but only in production and only happens occasionally, how do you go about tracking down the problem?
What are some of the issues around multi-threaded applications?
Discuss some ways of ensuring code quality remains high in a project

Do it yourself inbound link alerts

Embedded Analytics provide a nice service that will email you whenever somebody clicks on a new link to your site. I’ve been signed up for a while and it’s interesting to see who’s linked to my site. But I received an email last week informing me that my site had so many inbound links that I would have to start paying for the service. To be fair the amount they were going to charge me wasn’t a lot, but I couldn’t really justify spending money on something that is essentially just a way to waste a bit of time for me. And I also figured I could probably do the same thing myself through the Google Analytics API, since this is what Embedded Analytics uses.

I’m assuming that Embedded Analytics uses the source for visitors to your site to spot new links. There is a downside to this since it won’t spot links that have been added but have not been clicked on, but generally these won’t be that interesting, since they presumably are links on low traffic sites.

So to implement this requires a few steps. Pull out the data from Google Analytics and store this data somewhere (DB, XML file, whatever). Then next time we pull the data out of Google, check for new URLs in the returned data and send a notification of these new URLs. Embedded Analytics also goes a step further and validates that the links are valid and that the pages containing them are available from the web. I was only really interested in the first part of this solution so have written a piece of code to pull out the URLs using the Google Data API for .NET. The rest of the work is left as an exercise for the reader!

using System;
using Google.GData.Analytics;

namespace GoogleAnalytics
{
  class Program
  {
    static void Main(string[] args)
    {
      AccountQuery feedQuery = new AccountQuery();
      AnalyticsService service = new AnalyticsService("DoogalAnalytics");
      service.setUserCredentials("email", "password");

      DataQuery pageViewQuery = new DataQuery("https://www.google.com/analytics/feeds/data");
      pageViewQuery.Ids = "ga:202885";
      pageViewQuery.Metrics = "ga:visits";
      pageViewQuery.Dimensions = "ga:source,ga:referralPath";
      pageViewQuery.Sort = "ga:source,ga:referralPath";
      pageViewQuery.GAStartDate = DateTime.Now.AddMonths(-1).ToString("yyyy-MM-dd");
      pageViewQuery.GAEndDate = DateTime.Now.ToString("yyyy-MM-dd");

      DataFeed feed = service.Query(pageViewQuery);
      for (int i = 0; i < feed.Entries.Count; i++)
      {
        DataEntry pvEntry = (DataEntry)feed.Entries[i];
        string host = pvEntry.Dimensions[0].Value;
        string path = pvEntry.Dimensions[1].Value;
        Console.WriteLine("http://" + host + path);
      }

      Console.ReadLine();
    }
  }
}

Another take on peer to peer lending

It seems a little strange to me that at a time when banks are meant to be desperately trying to increase their balance sheets, they are offering such meagre interest rates. I dunnow but maybe offer some decent rates and people will shove their money in your bank? But it seems they have decided it’s better to offer crap rates and hope we are too stupid to realise we can get better returns elsewhere.

So for a few years I’ve been stashing cash in Zopa and getting a return that manages to beat inflation by lending money directly to people, with the caveat that there is a higher level of risk than having money in the bank.

But I’m obviously not the only person to choose this option and rates have been falling of late. And although I’m happy to finance personal loans, i did have a hankering to lend money to businesses, especially since this seems to be something else banks are failing to do properly*

Which is where Funding Circle comes in. This is peer to peer lending but the other party is a business. Interest rates are currently some what better than Zopa. Time will tell how bad the default rates are but I’m going to drip feed some money in there and see how it pans out.

*I always thought banking was pretty straightforward, take in money from deposits, then lend it out to other people and skim a bit of profit from the transaction. Simple and a bit boring. Maybe they should have stuck to this slightly dull job, rather than inventing, buying and selling insane derivatives that nobody understands and nobody can quantify the associated risk. Get back to doing what you’re meant to do and people might get off your back a bit…