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  Location: Charlotte, NC
  Remote: Yes (and local hybrid)
  Willing to relocate: No
  Technologies: Java, Oracle, Mysql, CI/CD,  Microservices, Scalability, Distributed Architectures
  Résumé/CV: https://zkarthik.github.io/karthik/Resume%20Of%20Karthik%20Shanmugam%20TM.pdf
  Email: sendtokarthik@gmail.com
Senior Software Engineer with 25 years of experience at big names like IBM, Peoplesoft/Oracle, and WellsFargo. Mostly in backend and feature development roles, and more recently, cloud and infrastructure.


Most of the conversation here is pros/cons of Signal vs. Telegram. The bigger elephant in the room is whatsapp. Instead of telegram/signal trying to one up each other, try to be better than whatsapp. Even then, you will need to get to a critical mass usage to be useful which whatpass has already accomplished.


Add the tasteless flavorless variety the indoor garden produce. All those shiny indoor grown roma tomatoes imported from Canada so bland and flavorless in taste.


Who is eating this loss? Government? Individual tax payers? Someone or some entity must be losing this $7.7 billion.


Well, since the federal government appears to be making a sizable profit off of their student loan business, I'd say that this $7.7B will just come off their "balance sheet".

http://www.politifact.com/wisconsin/statements/2015/oct/01/e...


A federal law was passed in 2010 that required all student to originate from the DoE, giving them a monopoly on the juicy, high interest, high balance, zero risk loans given out to millions of Americans each year. Because of this, the DoE rakes in billions a year in profits from student loan interest.

So this $7.7 could hit their bottom line and barely move it. http://www.bloomberg.com/news/articles/2015-12-11/a-144-000-...

It's possible that this was the first step in a plan to gradually unwind the student loan crisis. I'm sure that changing the repayment rules while commercial lenders owned most of the student loan debt would cause a massive backlash.


Sallie Mae or US Treasury - I am sure the banks would be made whole again. I am of mixed views here, because a Student Loan is technically is a permanent burden unlike other loans.


Federal student loans are guaranteed by federal government. So the federal government is losing the $7.7 billion.


Which means us, the taxpayers.


But do we, the voters, think it's worth it? I think it is, personally. Of course it would be nice to move toward cheaper education, but I'm OK with this forgiveness of debt.


Yes, second that.


Nice done connection references to the Indian subcontinent. Appreciate the links.


It appears the game works only in a high pedestrian areas like downtown SFO with defined landmarks. Does the game work if you are in a suburban office with walking trails around ponds?


It depends on how much player activity in the area. In my experience I've found there is a lot of activity in suburbs around major cities.


Nano Sim. Do they really need the space saving from micro to nano? Prepaid carriers charge extra for nano sim. Not sure if it is because it is more expensive to manufacture. Requires more delicate handling for those who swap sims which is more common in Asia.


AliExpress seems to have many sellers selling fake (copy) products. How else a Samsung Galaxy S5 would sell for < $200 whereas the market price is between $500 and $600.?


Does connectedness through social media like facebook, twitter, e-mail or even calling through phones contribute to happiness?


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