JSJ 273: Live to Code, Don't Code to Live with 2 Frugal Dudes Sean Merron and Kevin Griffin

JSJ 273: Live to Code, Don't Code to Live with 2 Frugal Dudes Sean Merron and Kevin Griffin

JSJ 273: Live to Code, Don't Code to Live with 2 Frugal Dudes Sean Merron and Kevin GriffinThis episode of JavaScript Jabber features panelists Aimee Knight, Cory House, and Charles Max Wood. Special guests Sean Merron and Kevin Griffin discuss how to live frugally. Tune in to hear their advice![00:02:14] Introduction to Sean and KevinSean and Kevin are the hosts of the 2 Frugal Dudes Podcast. They are middle class software engineers. Sean works a 9 to 5 job, while Kevin owns a small business called Swift Kick. Swift Kick is a company that focuses on independent consulting, software development, and training companies for software development.[00:05:50] Different Types of Financial Advisors There is no legal reason that financial advisors have to work in your best interest. On the 2 Frugal Dudes Podcast, Sean and Kevin advise people to use fiduciary advisors. These types of advisors are not legally allowed to accept kickbacks from different funds. This means that they are more likely to help you to the best of their ability. They get paid for their services. Laws are currently changing so that everyone has to be a fiduciary advisor unless clients sign a specific form.[00:10:00] What do I do with money left over at the end of the month that I can’t put into a 401K and Roth IRA?They suggest that you put only the amount of money in your 401K that your company will match. Then, put the rest into a Roth IRA and max that out. Before you decide to do what next, you need to decide why you are saving money. When will you need the money? What will you need it for? Once you know the answer to these questions, you will be able to assess what your money will best be placed. For example, if you are saving to buy a house you need to put your money in a safe investment. A Roth IRA can be used as a savings vehicle or as an emergency fund. Sean believes that a Bank CD is the safest return you can get.[00:14:30] Best Way to Save For those who are self-employed, it is a good idea to have two emergency funds – a personal and a business fund. Business emergency funds should have five months of personal salary. Kevin built his up over two or three years and uses it as self-insurance.Sean says that the employee world is different. For him, he only keeps the minimum amount in his emergency fund. He knows that he is in a field where his job is in high demand, so feels comfortable with being able to get a job quickly. For others, this may not be the case. Have to evaluate how much to save based on how long you think you may need the money. [00:18:50] What is the first thing people should be doing for their own financial well being?Kevin follows Dave Ramsey’s advice.
- Basic emergency fund. He uses $1,000. Most emergencies fall under that amount of money.
- Get rid of all consumer debt. This includes car payments, credit cards, and student loans. Mortgage is not consumer debt.
- Grow an emergency fund to three or six months of expenses.
- Investments. Setting up retirement funds, paying for college, or mortgages.
Sean values early retirement so he focuses on that. What does retirement mean to me? What does rich mean? You should always track your money through a budget. Then you can funnel money towards emergency funds and tackling debt.Self-insurance means that you don’t have to worry about funds. It helps lower your stress knowing that you have your finances in order. It is a peaceful place to be and opens up opportunities for you. If someone has stressors in their life – for example, their car breaks down – and they have no money to fix it, they now have car and money problems. This stress can then potentially lead to other problems such as marriage problems. If the money to fix the broken car would have been there, it would alleviate stress.[00:28:23] Difference between 401k, IRA, and Roth IRAsA 401k is an employer provided, long-term retirement savings account. This is where you put in money before it is taxed. With this plan you are limited with the funds you can choose from to invest in.IRAs are long-term retirement plans as well. The first type of IRA is a Traditional IRA, which is similar to a 401k. You get tax reduction for the money you put in the account. You pay taxes once you withdraw money. A Roth IRA is where you already pay taxes on money that you are putting in, but don’t have to pay taxes when withdrawing money. You can withdraw contributions at anytime without being penalized, you just can’t take out any earnings.Another thing that is potentially good for early retirement is a Roth IRA conversion ladder. This is where you take money from a 401k and convert it into a Roth IRA and use it before 60 years old to fund early retirement.Traditional IRAs are good for business owners looking for tax deductions now. An HSA (Health Savings Account) can also be used as a retirement device. It goes towards medical expenses if needed.[00:34:20] Are there tools or algorithms I can use to figure this stuff out?There are some. Portfolio Visualizer allows you to choose different portfolio mixes and put different amounts of money in each one. Portfolio Charts is similar to Portfolio Visualizer but gives nice graphics. Sean created a JavaScript website to help people use to figure out early retirement.The hardest part is calculating return because you have to estimate what your return will be each year.[00:39:00] Put Your Money SomewhereThe only bad investment is not making an investment. Even making a bad investment is better than not having any at all. Inflation eats away at money that is just sitting.[00:42:05] If you get one of these advisors what advice should you be looking for?Need someone that tries to understand your particular situation. “It depends” is very true and your advisor should know that. No two people will have the same financial goals. They should want to help reach your goals in the least costly way possible. Other things they should be able to do is be honest and help you control your emotions during upswings and downswings. [00:47:08] Why index funds?As an investor, you can buy an index fund cheaper than buying the whole index. A mutual fund will try to buy and sell the stocks in that index in order to follow the index's performance. As an investor, you have the opportunity to buy into a mutual fund that handles it for you.You don’t have to independently invest in companies either. You can invest in an index instead that will look at, for example, top performing technology companies. It is usually a better value.[00:53:33] How much do I invest in my business verses putting money into a Roth IRA or 401k?Sean thinks it comes down to retirement goals. At some point you will want money to come in passively and retire in the future. If you can passively put X amount of dollars into your company then it can be looked at as a form of investment.Kevin evaluates his business goals every quarter. He creates a business budget based off of those goals.PicksCory
- http://www.amazon.com/dp/0393330338/?tag=chamaxwoo-20
- http://www.amazon.com/dp/1612680011/?tag=chamaxwoo-20
- http://www.amazon.com/dp/1591847818/?tag=chamaxwoo-20
Aimee
- Hacker News Thread – How to Not Bring Emotions Home With You
- http://www.phantogram.com/
Charles
- http://www.amazon.com/dp/1476757860/?tag=chamaxwoo-20
- https://www.daveramsey.com/elp
Sean
- http://www.amazon.com/dp/1501164589/?tag=chamaxwoo-20
- https://www.mrmoneymustache.com/
- http://www.mint.com
Kevin
- http://www.amazon.com/dp/0470102101/?tag=chamaxwoo-20
- https://www.youneedabudget.com/
- http://www.amazon.com/dp/1589795474/?tag=chamaxwoo-20
Links
- https://twitter.com/2frugaldudes
- https://twitter.com/seanmerron
- https://twitter.com/1kevgriff?lang=en
- http://www.swiftkick.in
- http://www.kevingriffin.com
- http://earlyretirementroadmap.com/
- http://2frugaldudes.com
Special Guests: Kevin Griffin and Sean Merron.

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JSJ BONUS EPISODE: Observables and RxJS Live with Aaron Frost

JSJ BONUS EPISODE: Observables and RxJS Live with Aaron Frost

JSJ BONUS EPISODE: Observables and RxJS Live with Aaron FrostMon Jul 29 2019 13:00:56 GMT+0300 (+03) Episode Number: bonus Duration: 29:35https://media.devchat.tv/js-jabber/JSJ_Bonus_Aaron_Frost.mp3  Host: Charles Max Wood Joined by Special Guest: Aaron FrostEpisode SummaryAaron Frost joins Charles to talk about what Observables are and why developers should learn about them and use them in their code. He explains the difference between Observables, Promises and Callbacks with an example. Aaron then invites all listeners to attend the upcoming RxJS Live Conference and introduces the impressive speaker line-up. The conference will take place on September 5-6 in Las Vegas and tickets are still available. Aaron also offers a $100 discount to all listeners with the code "chuckforlife". For any questions you can DM Aaron at his Twitter account.LinksRxJS Live ConferenceRxJS Conference TicketsAaron's TwitterPromisesCallbacksSpecial Guest: Aaron Frost. Support this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

29 Jul 201929min

JSJ 377: Bringing Maps and Location Into Your Apps with the ArcGIS API for JavaScript with Rene Rubalcava

JSJ 377: Bringing Maps and Location Into Your Apps with the ArcGIS API for JavaScript with Rene Rubalcava

SponsorsDatadog  Sentry use code “devchat” for 2 months free PanelAimee KnightAJ O’NealCharles Max WoodWith Special Guest: Rene RubalcavaEpisode SummaryRene is a software developer for ESRI and works in spatial and mapping software. ESRI has been around since 1969 and has seen their work explode since they shifted to providing address and location services. Rene talks about how he thinks about location and mapping when building software around it and things that he has to approach in unique ways. The panel discusses some of their past experiences with location software. Some of the most difficult aspects of this software is changing time zones for data and actually mapping the Earth, since it is not flat nor a perfect sphere. Rene talks about the different models used for mapping the Earth.Most mapping systems use the same algorithm as Google maps, so Rene talks about some of the specific features of ArcGIS, including the ability to finding a point within a polygon. Rene talks about what routing is, its importance, and how it is being optimized with ArcGIS, such as being able to add private streets into a regular street network.The panel discusses how the prevalence of smartphones has changed mapping and GPS and some of their concerns with privacy and location mapping. One thing ESRI is very careful about is not storing private information. Rene talks about the kinds of things he has seen people doing with the mapping and location data provided by ArcGIS, including a Smart Mapping feature for developers, mapping planets, indoor routing, and 3D models. LinksWebricate EsriArcGIS Follow DevChat on Facebook and Twitter PicksRene Rubalcava:Old Man’s War seriesAlways Be My MaybeRene’s websiteAJ O’Neal:INTLColorfulTime zones in PostgressTime zones in JavaScriptAimee Knight:Advice to Less Experienced DevelopersCharles Max Wood:Heber Half MarathonNetlify CMSVillainousFirefoxSpecial Guest: Rene Rubalcava . Support this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

25 Jul 201943min

JSJ 376: Trix: A Rich Text Editor for Everyday Writing with Javan Makhmali

JSJ 376: Trix: A Rich Text Editor for Everyday Writing with Javan Makhmali

Sponsors  DatadogSentry use code “devchat” for 2 months free PanelAimee KnightChris FerdinandiChristopher BeuchelerAJ O’NealWith Special Guest: Javan MakhmaliEpisode SummaryToday’s guest is Javan Makhmali, who works for Basecamp and helped develop Trix. Trix is a rich text editor for the web, made purposefully simple for everyday use instead of a full layout tool. Trix is not the same as Tiny MCE, and Javan discusses some of the differences. He talks about the benefits of using Trix over other native browser features for text editing. He talks about how Trix has simplified the work at Basecamp, especially when it came to crossing platforms. Javan talks more about how Trix differs from other text editors like Google Docs and contenteditable, how to tell if Trix is functioning correctly, and how it works with Markdown.The panel discusses more specific aspects of Trix, such as Exec command. One of the features of Trix is it is able to output consistently in all browsers and uses semantic, clean HTML instead of classnames. Javan talks about how Trix handles getting rid of the extraneous cruft of formatting when things are copy and pasted, the different layers of code, and the undo feature. He talks about whether or not there will be more features added to Trix. The panel discusses who could benefit from using Trix. The show finishes with Javan talking about Basecamp’s decision to make Trix open source and why they code in CoffeeScript. LinksTrixTiny MCEContenteditableMarkdownSVGHTMLCoffeeScript Follow DevChat on Facebook and Twitter PicksJavan Makhmali:API for form submissionsChris Ferdinandi:CSS GridAlex Russel Twitter threadHow To Live a Vibrant Life with Early Stage DementiaAJ O’Neal:Mario and ChillChip Tunes 4 Autism: CatharsisToilet AugerChristopher Beucheler: Medium to Own blogAimee Knight:Absolute Truth Unlearned as Junior DeveloperSpecial Guest: Javan Makhmali. Support this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

23 Jul 201952min

JSJ 375: Are You Hurting the Web?

JSJ 375: Are You Hurting the Web?

SponsorsTriplebyte $1000 signing bonus Sentry use code “devchat” for 2 months free PanelCharles Max WoodAimee KnightChris FerdinandiAJ O’NealChristopher BeuchelerEpisode SummaryToday the panel discusses the effect of current development practices, such as the heavy reliance JavaScript, on the web. Chris explains why he believes that current development practices are ruining the web. The panelists discuss different situations where they see complications on the web. They discuss the advantages and disadvantages of using an enterprise scale platform like React. The panel discusses Twitter’s move away from their legacy code base to CSS and JavaScript. The panelists agree that the way things are built, since it’s so JavaScript heavy, is alienating to people who work with other languages, and in turn other areas like UI are undervalued. They talk about possible reasons things ended up this way and some of the historical perception of a frontend as not a place for ‘real’ development. Because the web is now a serious platform, things associated with the backend has been thrown at the frontend where it doesn’t belong. They talk about changes in the ways programming is viewed now versus the past. There is a discussion about how market demands that have influenced the web and if the market value CSS as highly as other languages. They mention some of the Innovations in CSS. Chris shares his solutions for the problems they’ve been discussing, namely using less JavaScript, leaning more heavily on what the browser gives you out of the box, and avoiding dependency where possible. They talk about ways to get involved if you want to take a leaner approach to the web. Ultimately, it is important to embrace things about the past that worked, but sprinkle in new technology when it makes senseLinksStimulusReactVueAppleScriptPerl.NETAngular  Follow DevChat on Facebook and Twitter PicksCharles Max Wood:Tiny Epic GalaxiesEverywhereJSAimee Knight:Complete Guide to Deep WorkChris Ferdinandi:Developer Bait and SwitchVanillajslist.com Chris will be speaking at Artifact ConferenceAJ O’Neal:Weird Al: White and NerdyQuantum board gameDeploy Sites with Only Git and SSHChristopher Beucheler:MaterialMonstressSupport this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

18 Jul 20191h 6min

JSJ 374:  CosmosDB with Steve Faulkner LIVE at Microsoft BUILD

JSJ 374: CosmosDB with Steve Faulkner LIVE at Microsoft BUILD

SponsorsDataDogSentry use the code “devchat” for 2 months free on Sentry small planCacheFlyPanelCharles Max Wood Joined by Special Guest: Steve FaulknerEpisode SummaryComing to you live from the podcast booth at Microsoft BUILD is Charles Max Wood with Steve Faulkner. Steve is a Senior Software Developer for Azure Cosmos DB at Microsoft. Cosmos DB is a global distributed, multi-model noSQL database. Steve explains the Cosmos DB service and scenarios it can be used in. They discuss how Cosmos DB interacts with Azure functions and how partition keys work in Cosmos DB.Listen to the show for more Cosmos DB updates and to find out how Steve he got his twitter handle @southpolesteve.LinksSteve’s GitHubSteve’s TwitterSteve’s LinkedInSteve Dev.toMicrosoft Build 2019  Introduction to Azure Cosmos DBAiA 241: Azure Functions with Colby Tresness LIVE at Microsoft BUILDAiA 242- Azure Functions Part II with Jeff Hollan LIVE at Microsoft BUILDMicrosoft Learn ResourcePartitioning in Azure Cosmos DBPicksSteve Faulkner:FINAL FANTASY X/X-2 HD Remaster for Nintendo SwitchOvercooked on SteamFastlySpecial Guest: Steve Faulkner. Support this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

16 Jul 201930min

JSJ 373: What Do You Need to Do to Get a Website Up?

JSJ 373: What Do You Need to Do to Get a Website Up?

SponsorsTriplebyte $1000 signing bonus Sentry use code “devchat” for 2 months free LinodePanelCharles Max WoodAimee KnightChris FerdinandiAJ O’NealJoe EamesEpisode SummaryToday the panel discusses what is necessary to get a website up and how complicated or simple it needs to be. They mention different tools they like for static sites and ways to manage their builds and websites. They talk about why some people choose to host their websites and at what point the heavier tools become a concern. They discuss whan it is necessary to use those heavy tools. They caution listeners to beware of premature optimization, because sometimes businesses will take advantage of newer developers and make them think they need all these shiny bells and whistles, when there is a cheaper way to do it. It is important to keep the tools you work with simple and to learn them so that if you encounter a problem, you have some context and scope. The option of serverless website hosting is also discussed, as well as important things to know about servers.The panel discusses what drives up the price of a website and if it is worth it to switch to a cheaper alternative. They discuss the pros and cons of learning the platform yourself versus hiring a developer. The importance of recording the things that you do on your website is mentioned. Several of the panelists choose to do this by blogging so that if you search for a problem you can find ones you’ve solved in the past.LinksHerokuGithub PagesNetlifyEleventyDigitalOceanLightsaleUbuntuGit cloneNode static serverSystemd scriptNGinxCloud66ThinksterGatsbyDockerGentooHow to schedule posts with a static websiteHow to set up automatic deployment with Git with a vpsAutomating the deployment of your static site with Github and Hugo Follow DevChat on Facebook and Twitter PicksCharles Max Wood:Microsoft buildAimee Knight:Systems Thinking is as Important as Ever for New CodersChris Ferdinandi:Adrian Holivadi framework videoServer Pilot AJ O’Neal:Jeff Atwood tweetMore on Stackflow ArchitectureMinioJoe Eames:Miniature painting  Support this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

11 Jul 201957min

JSJ 372:  Kubernetes Docker and Devops with Jessica Deen LIVE from Microsoft BUILD

JSJ 372: Kubernetes Docker and Devops with Jessica Deen LIVE from Microsoft BUILD

SponsorsTriplebyte offers a $1000 signing bonusSentry use the code “devchat” for $100 creditCacheFlyPanelCharles Max Wood Joined by Special Guest: Jessica DeenEpisode SummaryComing to you live from the podcast booth at Microsoft BUILD is Charles Max Wood with The Deen of DevOps aka Jessica Deen. Jessica is a Senior Cloud Advocate at Microsoft. As an advocate she acts a liaison between developer communities and Microsoft to help understand developer pain points and road blocks especially in areas such as Linux, open-source technologies, infrastructure, Kubernetes, containers and DevOps. Jessica explains how to go about setting up a containerized application, Kubernetes and how to use Dockerfiles. Charles and Jessica then talk about how to get started with a Kubernetes cluster and the resources available for developers that don't have any infrastructure. Jessica advises that developers start with Azure DevOps Services and then go to Microsoft Learn Resource.Charles also encourages listeners to also check out the Views on Vue podcast Azure DevOps with Donovan Brown for further references. Jessica also recommends following people on Twitter and GitHub to find out about solutions and resources.LinksDockerfile and Windows ContainersKubernetesJessica’s GitHubJessica’s TwitterJessica’s LinkedInJessica’s WebsiteMicrosoft Build 2019Microsoft Learn ResourceHTTP application routingGetting started with Kubernetes Ingress Controllers and TLS certificatesKubernetes Ingress Controllers and Certificates: The WalkthroughAzure DevOps ServicesVoV 053: Azure DevOps with Donovan Brown LIVE at Microsoft IgniteJessica Deen YoutubeKubernetes in 5 mins – YouTubeFollow Adventures in Angular on tv, Facebook and Twitter.PicksJessica Deen:Lachlan EvensonCloud Native Computing FoundationKubernetes Handles on TwitterShoe Dog MemoirAir Jordan 4 Fire Red Gum Singles DayCharles Max Wood:Real Talk /JavaScript PodcastThe Legend of Zelda: Breath of the WildSpecial Guest: Jessica Deen. Support this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

9 Jul 201940min

JSJ 371: The Benefits and Challenges of Server-Side Rendering (SSR) with Dan Shappir

JSJ 371: The Benefits and Challenges of Server-Side Rendering (SSR) with Dan Shappir

SponsorsTriplebyte offers a $1000 signing bonusSentry use the code “devchat” for $100 creditCacheFlyPanelCharles Max WoodJoe EamesChristopher BuechelerAimee KnightAJ O’NealJoined by special guest: Dan ShappirEpisode SummaryIn this episode of JavaScript Jabber, special guest Dan Shappir, Performance Tech Lead at Wix, kicks off the discussion by defining server-side rendering (SSR) along with giving its historical background, and touches on the differences between server rendering and server-side rendering. He helps listeners understand in detail how SSR is beneficial for the web and takes questions from the panel about how it affects web performance in cases where first-time users and returning users are involved, and how does SSR fare against technologies such as pre-rendering. He then elaborates on the pitfalls and challenges of SSR including managing and declaring variables, memory leaks, performance issues, handling SEO, and more, along with ways to mitigate them. In the end, Dan sheds some light on when should developers use SSR and how should they start working with it.LinksDan’s TwitterDan’s GitHubSSRWeakMapFollow JavaScript Jabber on Devchat.tv, Facebook and Twitter.PicksChristopher Buecheler:Tip - Take some time off once in a whileAimee Knight:Learning How to Learn: Powerful mental tools to help you master tough subjectsAJ O’Neal:Fatherhood!Joe Eames:Tiny TownsThe GoldbergsCharles Max Wood:EverywhereJSChristopher Buecheler’s booksGet a Coder Job - Publishing soon!Dan Shappir:QuoraCorvid by WixYou Gotta Love Frontend ConferencesSpecial Guest: Dan Shappir. Support this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

2 Jul 20191h 10min

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