799 karma · joined December 22, 2012
Edit: I’ve seen other folks online posting a price of $183 for Suite upgrade, so I would just login and see what price they give you. I think I came from Suite 9, so maybe that accounts for the price difference.
Remote: No
Willing to relocate: No
Technologies: HTML, CSS, Ruby/Rails, JavaScript, iOS, Swift, git, *nix, PostgreSQL
Résumé/CV: https://www.linkedin.com/in/frcarnevale/ (I've been working on my own product during all of 2018 - it's not listed on my LinkedIn yet)
Email: frank at fourward dot org
I've really enjoyed working on my own product over the past year, however, the isolation is wearing me down a bit. I would love to be a part of a team again. I've worked in large companies, as well as multiple startups. I've started a few of my own ventures. A clothing venture I started resonated so much with a customer that they tattooed my logo on their leg. Winning! Jokes aside, I'm product and user-focused by my nature, and have technical skills with a focus on clean code. I'm not the prototypical rockstar coder who gets off on elaborate VIM scripts and tmux configs (although I do love me some VIM-mode in Sublime Text), but I'm quick to learn, and have built useful, intuitive products.
I'm open to non-technical and technical roles alike. I just want to be a part of a team that cares about UX and quality, and is working on something interesting.
Same thing with your hammer analogy. Everything shouldn’t look like a nail then! A real alert should look like a nail. A real ballistic missile alert should look like a railroad spike (aka really big nail). Test alerts should look like a screw. Etc.
Sounds like you might enjoy Blinkist. It’s a paid app that gives you the highlights of a book. I tried it and thought it was interesting, however, I actually enjoy reading entire books. So it felt like I was doing CliffsNotes for stuff I enjoyed reading about. Also, you’re depending on the service to pick out what’s important. What resonates with them vs what resonates with you could be two different things.
I think we get too hung up on trying to wring every last drop out of life. If you like reading, read. The important themes you come across in different books will naturally reinforce and connect amongst themselves.
If anyone from Apple is listening, please please please raise this up the flagpole on your teams. I love Apple, and think they’re doing fantastic work overall. I get that there are unique problems with having such massive scale, but iOS 11 has been a mess from the beginning.
Edit: It’s apparently “springboarding”, not restarting. Very similar experience either way.
Edit: I'm referring to the customer research website you guys made, mentioned in the post.
If/when I get married, my plan will look like this: majority of life insurance via term, modest WL policy, disability income insurance, some index funds, and some stock of two or three companies that I know deeply.
What happens to folks who retire after a crash like in 2000? It'd probably be better if they left their investments alone, and instead drew some money from their WL policy. You could argue that their allocation should've been well tilted from equities at that point, but what if it wasn't?
In a perfect world of automatic 10% yearly returns, and diligent saving/investment, buying term and investing the difference (from WL) would smack the performance of WL. Unfortunately it doesn't work like that. Most people don't save/invest diligently, and the market isn't automatic.
Don't get whole life - it's generally a rip off
Yes, if purchased from a non-mutual, financially shaky insurance company, it's quite likely a bad idea.
However, when purchased from a financially strong mutual insurance company (Northwestern Mutual, Guardian Life, etc.), it can make a great complement to term life insurance (and can be beneficial to the overall financial plan for a number of reasons).
One wouldn't want to "fully" insure themselves with whole life (that'd be cost prohibitive and inappropriate from an asset allocation perspective), but again, as a small piece it can make a lot of sense.
Anyway, didn't mean to detract from your overall points. It's hard to put a specific number on peoples' insurance needs without knowing their situation, but the spirit of your points was spot on. Especially about "own occupation" disability coverage - which I think is especially relevant for programmers.
TL;DR on insurance: Talk to a professional that you trust, figure out what amount of protection makes sense, and get protected. Term life insurance is an affordable way to get a lot of financial protection for your family. Your ability to earn an income is perhaps your greatest financial asset (edit: assuming you have many working years ahead of you), so treat it as such. Think about protecting it with disability income insurance.
I'm heartbroken every time I read one of these deeply personal stories. The situation is already stressful enough - one shouldn't have to worry about how the family will keep the lights on.
[Source: I once worked in financial services]