Friday, July 28, 2023

You Can Run Out of Milk, But Never Run Out of Retirement Cash



I’m paraphrasing the current TIAA-CREF ad campaign but the concept is the same, we frequently run out of daily necessities (milk, batteries for our cameras and mobile phones), but we should never run out of lifetime retirement income.

 

Are we saving?*

 

According to Eric Reed’s article, “What Is The Average Retirement Savings in 2019?”,1 in 5 Americans are not saving for retirement, and 1 in 6 baby-boomers either approaching, or now at retirement age, have no savings. For millenials the statistic is even more jaw dropping: 6 in 10 have no retirement savings whatsoever. So… how not to become a statistic? Read further, I promise it’ll get a whole lot better!

 

* https://www.thestreet.com/retirement/average-retirement-savi...

 

How do you feel about a 4% raise? (Employer Matching)

 

Let’s say your employer has a 401K retirement savings plan, and participates in employer matching on the first 4%. So if you were to save 4% of your income, your company kicks in the matching 4%, effectively doubling your money, and that my friends is a 4% raise!

 

Pay Yourself First (Get Rich Slowly)

 

I work hard, I want to enjoy my life now, and I don’t have cash at the end of the month to put into retirement. Sound familiar? By contributing to your 401K plan directly from your paycheck, you avoid the pitfalls of paying all the bills first, and then prioritizing your retirement savings afterwards. To pay yourself first, is to take care of your future self by saving constantly with each paycheck, letting your fortune gradually build during your working years. But how much to save? At least what your employer will match, but if you can swing it, let’s go for 10% or more.

 

Dollar Cost Averaging (Buy Low, Sell High?)

 

Wait, if I’m going to own stocks, bonds, funds, etc., shouldn’t I buy low and sell high? In a perfect world, yes, however, since there are daily, weekly, monthly & yearly ups and downs, trying to find those inflection points is called timing the market and even the best stock brokers and fund managers fail to get this right. What can you do to reduce that risk? Spread your purchases out over time, it’s called dollar cost averaging, and by regularly contributing to your 401K, you’ll be buying when prices are low and high, effectively getting a happy medium (average), and no worries about timing the market.

 

Low Fee Index Funds

 

Stocks are risky right? Where should I park my cash? One of the best ways to reduce risk to individual stock price volatility is to purchase a fund (mutual fund/Exchange Traded Fund) that invests in the whole market or a portion of the market. Index funds do just this; they track a known index (NASDAQ 100, S&P 500, Wilshire 5000) so instead of a fund manager picking and choosing stocks, the fund is on auto-pilot, meaning management fees are ultra low, and you reduce dependency of a manager to “time the market” and pick winners, as the index fund is already tracking “winners”.

 

Rule of 72 (Compound interest is the eighth wonder of the world*)

 

Wondering how soon you’ll double your money? Using this rule of thumb (and the power of compound interest), if you divide 72 by the annual interest rate, you’ll come up with the time to double your money. Here’s an example using the S&P 500’s historical average return rate of 10%:

 

72 / 10 = 7.2 years

 

You’re telling me this because?

 

Let’s say by the age of 40 you and your spouse have saved $250K, at a 10% rate of annual return, by the age of 47, you’ll have accrued ½ Million dollars, by the age of 54 you’ll be millionaires and by 61 you’ll be multi-millionaires. Sounding better?

 

* Albert Einstein

 

Drowning in Information, Starving for Knowledge*

 

So many choices, where to start? Here’s some next steps to get you started:

 

  1. Enroll in your employer 401K plan
  2. Get the employer match (I recommend saving at least 10% to start)
  3. Pay yourself first
  4. Choose a low fee index fund
  5. Periodically check on your progress

 

* Quote from Michael McAllister, principal at William Mercer




Monday, May 15, 2023

Top 6 Coding Test / Interview Tips

 TL;DR: IDE, unit tests, debugging, HackerRank/LeetCode, organize, positivity


1. Be Comfortable with any IDE -Get comfy with an IDE (Integrated Development Environment) of your choosing -It can be IntelliJ IDEA, PySpark, Eclipse, BlueJ (ok maybe not BlueJ) -It shows initiative, and let’s face it as a developer you’ll be living in an IDE all day -Has lots of features like auto imports and intellisense (suggestions/line completion) 2. Practice Creating a Unit Test -This can be in Junit (for Java) or PyTest (for Python) -Just know how to create a unit test in the IDE of your choice, and practice it -Unit tests are expected of developers -Start easy, how to do a simple assertion -Work your way up to parameterized test, then mocking classes (like I said start with easy) 3. Practice Debugging -Know how to debug a method in your IDE -Set breakpoints -Set watch values -Know how to step into, step over, step out during a debugging session 4. Create accounts on HackerRank and LeetCode -You may be asked to use HackerRank or LeetCode during your test, you want to have a good feel of their UI (User Interfaces) ahead of time -These are also great training resources. -HackerRank is free to use to learn many languages - more advanced that w3schools. Go to: HackerRank ... Prepare ... Java or Python, etc. -LeetCode is free to look at problems and some solutions - the icon next to the solution indicates if it’s unlocked. Go to: LeetCode ... Problems ... Top Interview Questions 5. Organize Your Response/Solution -Start with reading the problem, what are the inputs, outputs, and rules -Add comments, and sketch out some potential methods you could use -Work on the logic, and will fill in the actual code afterwards This shows you have a strategy (algorithm) to solve the problem -Avoid writing code too quickly, since you’ll get mired in syntax, data types, and the IDE, instead work on architecting a possible solution. 6. Stay Positive -Stay positive, good humored, the interviewer is evaluating how you go about solving the problem and your attitude -If the person being interviewed expressed frustration, that will reflect poorly, …would you want to work with a frustrated person or with a person with a more tempered attitude? -The interviewer may offer hints if you’re struggling, be gracious, and accept the help!

Wednesday, June 22, 2022

How to Ask for a Raise (with template)

How long has it been since you've received a raise?  Has it been a year?  Has it been longer than a year?  If it's been longer than a year, then it's time to advocate for yourself.  Here's an outline that can help you formulate your communications with management.

OK, how do we go about asking for a raise? It all starts with an email to your manager. Here's the general outline:

  1. Ask to connect to discuss compensation
  2. Enumerate how you are contributing value
  3. Show current salary, prior salary, and time frames
  4. Share BLS CPI and SSA AWI numbers (Appeal to Authority)
  5. Recommend a raise (Appeal to Logic) above CPI/AWI
  6. Ask what the next step is

You'll need to do you homework to determine:

  • current BLS CPI (Bureau of Labor Statistics Consumer Price Index)
  • current SSA AWI (Social Security Administration Average Wage Index)
  • your last raise percentage
  • what your wage would be if it tracked inflation using the CPI Inflation Calculator

Here's an example letter, where the CAPITALIZED terms are there for you to replace with your own MANAGER, COMPANY, PROJECT, SALARY, etc.


MANAGER,

I’d like to connect with you to review my current compensation.
 
I feel valued at COMPANY and love the opportunity I’ve been given to be a TITLE and work with great team members.  
 
Some of the contributions and milestones I’ve had with COMPANY include:
* PROJECT_1
* PROJECT_2
* PROJECT_3
* Mastered many new technologies to include: TECH_1, TECH_2, TECH_3
* Provided mentoring to peers
* Received the following awards:
    * AWARD_1
    * AWARD_2
 
I wanted to give you some background on my current compensation.
 
I am currently paid $SALARY_1 per year and have been since YEAR_1.  

Prior to this, my wage was $SALARY_2 since YEAR_2.  

The difference between these two salaries represent a one-time raise of RAISE% in a span of DIFFERENCE years.
 
According to the BLS (Bureau of Labor Statistics), the US inflation rate, also known as the CPI - Consumer Price Index - was between 1-3% yearly*, and only in 2021 was it closer to 6% due to the global pandemic.  
* https://www.bls.gov/data/inflation_calculator.htm
 
This means that between YEAR_1 and the present, US inflation has increased INFLATION% cumulatively, and my compensation has increased RAISE% over the same time period.
 
As well, the Social Security Administration (SSA) publishes the Average Wage Index**, which tracks the average increase in salary paid by US employers, and between 2015 and 2021 US employers paid or gave raises to their employees of between 1.1% - 3.75% / year.  
** https://www.ssa.gov/oact/cola/awidevelop.html
 
My recommendation is to take my starting salary of $SALARY_1 adjusted at 3% / year from YEAR_1 to present, and use that as a fair starting point, which equates to a suggested new salary of:
 
     $NEW_SALARY_1
 
This represents a modest increase, and is marginally above the average US inflation over this period (1-2% depending on the year), and is in keeping with US average salary increases by employers as published by the SSA.  
 
Also, of interest when using the BLS CPI calculator, the original salary of $SALARY_1 if it grew at only the US inflation rate from YEAR_1 to the present would have been $NEW_SALARY_2 which is very close to the amount recommended.
 
Please let me know what the next step is.
 
Thank you,
 
EMPLOYEE

Friday, June 17, 2022

How to get a Work Permit for Students in California

 


If you live in California, are in school and are under 18 years of age, you will need to follow this 2 step process to get a Work Permit. Apply for a job and go to the interview. If the employer is interested in hiring you then they will ask you to start the Work Permit for Students. Step 1. The Student, Parent and Employer all fill out and sign a CDE Form B1-1, which is the STATEMENT OF INTENT TO EMPLOY A MINOR AND REQUEST FOR A WORK PERMIT - CERTIFICATE OF AGE. Once all three parties will out the form, it is sent to the school to be completed. The school will enter the Maximum number of work hours when school is in session, and not in session, the school will finally sign. Step 2. Once the STATEMENT OF INTENT TO EMPLOY A MINOR AND REQUEST FOR A WORK PERMIT - CERTIFICATE OF AGE, has been returned to the student, the student fills out and signs a CDE Form B1-4, which is the PERMIT TO EMPLOY AND WORK, and returns this form to the school. Once the school signs this 2nd form and returns it to the student, the student can then return to the employer and continue the hiring process. Resources - California Department of Education - Work Permits for Students: https://www.cde.ca.gov/ci/ct/we/workpermitsforstudents.asp - CDE Form B1-B STATEMENT OF INTENT TO EMPLOY A MINOR AND REQUEST FOR A WORK PERMIT - CERTIFICATE OF AGE: https://www.dir.ca.gov/dlse/dlseformB1-1.pdf - CDE Form B1-4 PERMIT TO EMPLOY AND WORK: https://www.dir.ca.gov/dlse/dlseformB1-4.pdf

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How To Get A Drivers Permit in California

 


Getting a drivers permit in California is a 4 step process. 1. Complete a DMV approved drivers education class. 2. Fill out an online California Drivers License or Identification Card Application, and set an appointment date. 3. Study the DMVs California Driver handbook, and try the DMVs Sample Drivers License Knowledge Tests. 4. Take the DMV written knowledge test. Step 1: At 15 and a half years old you can enroll in a 30 hour, online DMV approved drivers education class. Once you complete the class, the school will mail you a paper copy of your DMV Certificate of Completion of Driver Education form DL-400C. Step 2: Fill out an online California Drivers License or Identification Card Application. The online form does not indicate it, but you are filling out an online DL44. Both parents must sign the form online. Request an appointment date. Step 3: Study for the written test. You can study online version of the DMVs California Driver handbook, and try some of the DMVs Sample Drivers License Knowledge Tests. Step 4: Go to your DMV Appointment to take the written DMV Knowledge test. Ensure you bring your DMV Certificate of Completion of Driver Education form DL-400C that you received from drivers education class, Birth Certificate, Social security card, 2 proofs of residency, pay the fee, get thumb-printed, pass a vision test, pass the written DMV knowledge test , where you must get 38 out of 46 questions correct on the test. Resources - NHSA Driving School ($22): https://nationalhighwaysafetyadministration.com/california-drivers-ed-online/?affiliateid=192 - Budget Driving School ($45): https://mybudgetdrivingschool.com/drivers-education/ - California Driver's License or Identification (DL/ID) Card Application: https://www.edl.dmv.ca.gov/apply/choose-language - California Driver handbook: https://www.dmv.ca.gov/portal/file/california-driver-handbook-pdf/ - Sample Driver's License Knowledge Tests: https://www.dmv.ca.gov/portal/driver-education-and-safety/educational-materials/sample-driver-license-dl-knowledge-tests/

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Jasmine Dim Sum Restaurant San Diego

 


Dim sum service on the weekend

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JNC Pinoy Food Chula Vista, CA


 

Filipino fast food and bakery in Chula Vista, CA

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White Noise Black Screen 10 hours - Relaxing/Sleeping/Studying

 


You or the baby will fall asleep to the sound of white noise 10 hour

10h of white noise with no ads

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Soothing Pink Noise (Soft White Noise)


 

You and the baby will fall asleep to the sound of pure relaxing pink noise 1 hour 1h of pink noise with no ads


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White Noise Black Screen 1h - Relaxing/Sleeping/Studying

 



You or the baby will fall asleep to the sound of white noise 1 hour 1h of white noise with no ads


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Soothing White Noise


 

You and the baby will fall asleep to the sound of pure relaxing white noise 1 hour 1h of white noise with no ads


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How to Fix a Video with a YouTube Copyright Claim

 


You can edit a live video and over write the copyright claim audio, here's how...

Related video: - Copyright Claim on Youtube Video? Here's the safe music...: https://youtu.be/wO9KHALCl-0

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Copyright Claim on Youtube Video? Here's the safe music...


 

You've had a YouTube Copyright Claim on your video? Keep Calm, here's where you can find all the copyright claim-free and non-attribution music you could ever want for free in YouTube's Audio Library. - How to Fix YouTube Copyright Claim Audio in your Video: https://youtu.be/zKza57KL3iI

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PCT 252-266 Onyx Summit to Hwy18 Big Bear (Baldwin Summit Vista)

 


14mi section hike NOBO (North Bound) with Wabbit and Rei. We met up at the McDonalds in Big Bear, then drove both cars to Baldwin Summit Vista (PCT 266.1), staged 1 car, left 2 gal of water for the through hikers, and were surprised to see a Make-A-Wish foundation 28 mile event underway. We then carpooled to Onyx Summit (PCT 252.1), where we staged 2 more gallons of water. We saw some snow across the valley on the summit in the shaded valleys. Saw no other hikers on the trail the whole day, but we did see two dir pike riders, and saw a convoy of off road vehicles on an adjacent dirt road. Saw flowing or slow moving water at almost every spot between miles 256 and 258 as called out on the Far Out (Gut Hook) App, and posted status of water there. Lots of wild flowers, ground squirrels (almost looked like chipmunks), lizards, 1 quail, no turkeys. We used Shawnte Salabert's "Hiking the Pacific Crest Trail Southern California" guide to prep for the hike, and help us plan. - Wabbit's PCT Day 19 (Mile 252-266): https://www.youtube.com/watch?v=b2T-gFPe0zI - Baldwin Summit Vista: https://goo.gl/maps/LYBEMNCi1oehQvgX9 - Onyx Summit: https://goo.gl/maps/gNrNU6zWWV1boXwi9


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Tuesday, May 31, 2022

How to File for VA Disability the Right Way

 


  1. Use the free services of your state's department of veteran affairs
  2. Identify all your service-connected conditions from your Medical Record
  3. Create a "Statement in Support of Claim" for each condition
  4. Get multiple "Buddy Letters" for each condition

My first VA disability claim that I filed in 2012 was rejected. I was motivated and filed two appeals, and those were denied as well. For ten years I tried to avoid the topic when another vet would ask, have you ever filed a claim with the VA, or the classic question, "what percent are you?". I had felt a kind of resignation that it just wasn't meant to be. I had a couple of good friends who were persistent, and through their recounting of their VA claim journey and gentle cajoling, I decided to give it another go, so I re-grouped, re-strategized and reapplied. In 2022 my new re-vamped application for disability was approved. What changed? Why did my 1st attempt fail, and my final attempt succeed? The key to winning a VA disability claim is to build an easy to evaluate package, one that clearly shows how your condition is service related, that it is pervasive and the severity of the condition. The lessons I learned, are distilled into 4 easy to follow tips, and it is my sincerest hope that these will help the next veteran filing a disability claim.

Tip #1: Free Services from your State's Department of Veteran Affairs

Most states have their own department of veteran affairs separate from the VA (US Veterans Administration), in California it's called Calvet. The VA publishes a list of state departments here. These are typically free, have seasoned, helpful veterans who will guide you through the process, provide forms, proof read your write ups, answer questions, and submit you package to the VA when you are ready. The forms you will typically fill out are:

  • VA 21-4142 AUTHORIZATION TO DISCLOSE INFORMATION TO THE DEPARTMENT OF VETERANS AFFAIRS (VA) 
  • VA 21-4142A GENERAL RELEASE FOR MEDICAL PROVIDER INFORMATION TO THE DEPARTMENT OF VETERANS AFFAIRS (VA) 
  • VA 21-22 APPOINTMENT OF VETERANS SERVICE ORGANIZATION AS CLAIMANT'S REPRESENTATIVE
  • VA 21-4138 STATEMENT IN SUPPORT OF CLAIM 
  • VA 21-626EZ APPLICATION FOR DISABILITY COMPENSATION AND RELATED COMPENSATION BENEFITS

Tip #2: Identify all your service-connected conditions from your Medical Record

It is essential, that you go through every page of your Medical Record, front and back, even if it's a blurry or faint copy, to look for anything that you can claim. What can you claim? Anything and everything. Seriously claim everything that you can. Unsure of what you can claim? No problem, there's a reference for that, it's Code of Federal Regulations (CFR) Title 38 - Chapter I - PART 4 - SCHEDULE FOR RATING DISABILITIES. The reference is exhaustive, go ahead, search it for headache, cut, anything you find in your medical record. Each Diagnostic Condition (DC) has a 4-digit, a short name for the condition and varying severities. Here's an example of Diagnostic Code (DC) 7804 "Scar(s), unstable or painful", and the associated description and rating:

These descriptions of the conditions will help you identify the DC or Dignostic Code, short name, and severity. Even if you feel your condition isn't a perfect match, include the condition in your package becuase you may still be rated for 0%, which will make you a rated disabled veteran, and will entitle you to benefits, so when in doubt, include the condition. You should have incoming and outgoing hearing tests and physicals, be sure to check these for any variations that you can claim.

Tip #3: Statement in Support of Claim for each Condition

This was one of my initial mistakes, I failed to file VA form 21-4138 Statement in Support of Claim, for each condition. This form in invaluable to help you communicate clearly each condition. You will file one of these forms for each condition you claim. On the form, "Section II: Remarks" is the location where you will list your proof to support your claim, write it in 4 paragraphs similar to the following format. Be sure to use the Diagnostic Code (DC) and condition name from the Code of Federal Regulations (CFR) Title 38 - Chapter I - PART 4 - SCHEDULE FOR RATING DISABILITIES:

  1. DC XXXX, CONDITION_NAME  
  2. --> Explain here in a paragraph how the condition is service connected... when you were seen for the condition on active duty, what medical clinic did you visit, date, time, Dr's name, rank, what the symptoms were, what the diagnosis was, what the prescription was.  What it caused or prevented you from doing.  Did it make you miss work, did it reoccur, if so how frequently...
  3. --> Explain here in a paragraph how the condition is persistent (affects you now).  How frequently, how intense, what are the current symptoms, is the prescription any different .  Have you learned more about your condition since active duty?  Examples of acute episodes or incidents after the initial diagnosis, can be added here.
  4. --> Explain here in a paragraph how the condition limits you.  What had changed in your life because of this condition?  Do you need to take precautions, avoid things, do things differently.  Add a full range of examples from both active duty and afterwards.  Mention here people by name who have first hand knowledge of this condition and who have provided "buddy statements", that you are submitting with this package

Tip #4: Buddy Letters

These are essential, Buddy Letters provide proof from people with first hand knowledge of your condition outside your medical record. The VA recommends you collect information from employers, family, neighbors, friends, public officials. But how is this done? This step is easier than it seems, the key is good communication, you will want to reach out to those in your past who might be of help, then once you've established the best way to communicate with them, send them a request for a "Buddy Letter". What they respond with is entirely up to them, but it's OK to provide them some guidance, here's an example:

Hello,

I've started a VA claim this past year, and wanted to ask for your help with a letter from you.

We're in the gathering statements phase, and the VA suggests collecting statements from: employers, family, neighbors, friends, public officials.

I'm claiming the following conditions, and could use your help with any of these:

  • CONDITION_1 - I was seen while on Active Duty in DATE_1 on LOCATION_1, and experience it FREQUENCY_1
  • CONDITION_2  - I was seen while on Active Duty in DATE_2 on LOCATION_2, still experience it FREQUENCY_2
  • CONDITION_3  - I was seen while on Active Duty in DATE_3 on LOCATION_3, still experience it FREQUENCY_3

The timeframe was while I was on active duty was DATE_START to DATE_END and was stationed in LOCATIONS_HERE.

If you could, please write out a brief summary of how you know me, any recollection you have about me experiencing any of the conditions above, your contact info and signature. 

Here's the info for a sample letter:

  • How you knew me during my time in the uniformed services between the dates DATE_START and DATE_END, at LOCATION_HERE.
  • Any recollection of my relationship with the conditions
    • discussing the condition
    • having the condition
    • effects of the condition
    • leaving or missing work because of the condition
    • related problems because of the condition
  • Your POC info (Title if on active duty at the time or now retired, name, address, phone, email
  • Signature

Finally, take a photo or scan the letter and email back to me.

Thank you so much for the assistance, any recollections you provide will help make my case stand out.  Let me know if I can provide any other details.

Sincerely,

YOUR_NAME_HERE

Conclusion

I hope you found this useful, if so, please share, and reach out if you have any comments / criticism / feedback.

Semper Fidelis,

Brian

Friday, February 4, 2022

How high can you count on your fingers? (Babylonian trick)

Counting the segments of our fingers we can easily count to 12 and do division with one hand. 


Sunday, January 16, 2022

How to Log a DMR QSO on QRZ

Here's a full walkthrough of creating a new DMR QSO entry on QRZ as Digitalvoice, requesting a confirmation, editing the entry, and deleting the entry.




Helpful Links:
[​IMG]

Should you log non-simplex (repeater/network/DMR/DStar/YSF) QSO's? Yes, it's your log! When might you not log non-simplex (repeater/network) QSO's? During a contest, rules will typically stipulate only simplex connections can be logged for points. And contests usually expect Cabrillo logs be submitted, or the logging be done on LoTW (Logbook of the World), not QRZ.com. In SOTA (Summits On The Air), for example, you can log non-simplex contacts for points if its a non-terrestrial repeater (satellite). I think the main reason for logging outside a contest is in keeping with ARRL's guidance on the 3 reasons for keeping a log (Legal, Operational, Personal), the 3rd being, "Personally, a log is like a personal radio history reminding you of the people and places you’ve talked to...". http://arrl.com/keeping-a-log

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Friday, January 14, 2022

DMR QRZ got a home today at: http://dmrqrz.com we switched hosting from GitHub pages to AWS S3

DMR QRZ got a home today at: http://dmrqrz.com we switched hosting from GitHub pages to AWS S3:

     http://dmrqrz.com or http://www.dmrqrz.com 



Changes:

- Create a redirect from the original GitHub page to dmrqrz.com 

- Create a new GitHub repo: https://github.com/brianjester/dmrqrz

- Create an AWS deployment pipeline from GitHub to S3

- Create DNS entries for dmrqrz.com and alias for www.dmrqrz.com with AWS Route53

Wednesday, January 5, 2022

You Can Run Out of Milk, But Never Run Out of Retirement Cash

I’m paraphrasing the current TIAA-CREF ad campaign but the concept is the same, we frequently run out of daily necessities (milk, batteries ...