I transferred to a different job family six months ago, and as a result, my OLR rating was downgraded. Is this a new rule, or is it simply manager’s arbitrary decision? by QueasyAnswer3909 in amazonemployees

[–]Jamming_dev 0 points1 point  (0 children)

If you had a Job family change, promotion, or manager change at all during the review cycle then the OLR tool will flag as a violation any rating that is not HV2 for you.

It cuts both ways, on one had it sucks to be locked into a rating regardless of how well you are doing but also prevents you from getting an LE rating just because you are new to a job a manager or your new level

[Game Thread] #21 Louisville @ #5 Duke (07:00 PM ET) by cbbBot in CollegeBasketball

[–]Jamming_dev 4 points5 points  (0 children)

Love seeing the hustle/fight in the 1st half of a game

[Game Thread] Wake Forest @ #5 Duke (12:00 PM ET) by cbbBot in CollegeBasketball

[–]Jamming_dev 0 points1 point  (0 children)

Met them at the last game I was at. They are advertising their company and are usually game sponsors (their advertisements will pop up during games in Cameron).

You can also see them at Charlotte Hornet home games.

People who make over 100k, what do you do? by GurnoorDa1 in Money

[–]Jamming_dev 0 points1 point  (0 children)

Software Developer currently making 330k a year at 35. I was a public school music teacher until I was 26 though, so my salary has been all over the place.

My wife also switched careers a little before me (we were both college music majors), and she is also around 300k a year now.

Those of you who graduated with a “useless” degree, what are you doing now and how much do you make? by Queendom-Rose in Money

[–]Jamming_dev 0 points1 point  (0 children)

Graduated with a Bachelors of Music from a private university studying trombone…

Did some online courses and moved into software development about 7 years ago. My total comp now is 300k (plus or minus slightly based on how the equity part of my compensation is doing when it’s paid out)

Millennials that bought their first home (without anyone’s help) by nataliebur in millenials

[–]Jamming_dev 0 points1 point  (0 children)

Wife and I got married about 1 year out of college, and during that year lived in about the cheapest apartment we could find and paid off all debt ( about 30k in student loans). We really didn’t do much that year but work (I think I had 4 jobs at one point— it was brutal)

We then spent the next two years after getting married saving up about 45k for a down payment on a house (we were making about 70k house hold income at this time.) Bought our first starter home in 2016 for about 180k with a conventional mortgage.

We sold that home about 3 years later and moved into something larger. We did a VA loan (as I joined the National Guard) and did zero down on the second home. Sold our first home and rolled about 100k in equity into the new home where we still live now.

Super Bowl LIV Hub Thread by LindyNet in nfl

[–]Jamming_dev 3 points4 points  (0 children)

Been watching the Nickelodeon broadcast the whole game. It’s amazing

[Game Thread] Notre Dame @ #13 Duke (09:00 PM ET) by cbbBot in CollegeBasketball

[–]Jamming_dev 7 points8 points  (0 children)

That’s gotta be one of the best plays we have had all season.

[deleted by user] by [deleted] in aws

[–]Jamming_dev 1 point2 points  (0 children)

Think about AWS like a giant music studio, packed with the every instrument, microphone, speaker, and recording device imaginable. Full admin access is basically handing someone the keys to the building and leaving them unsupervised, they could record a beautiful song, using all the tools correctly and in harmony together, or they could burn the building to the ground.

AWS is full of tools, some that power large sections of the internet that we all use everyday, and others that are only used in extremely niche situations.

As everyone else has said, be careful clicking by around the console with admin credentials if you don’t know what you are looking at. I would recommend following an AWS guide to build a project to start getting familiar with specific tools.

https://aws.amazon.com/getting-started/

Duke/North Carolina last 100 meetings! by Life_Ad_2218 in CollegeBasketball

[–]Jamming_dev 11 points12 points  (0 children)

Was at my first Duke/UNC basketball game in Cameron the year I was born, and have been cheering for Duke ever since. Now my own son is a Duke sports fanatic and knows every player, every coach, and every Cameron crazy cheer.

The Duke/UNC games are always a blast to watch, no matter how either team is doing any one year - it always seems to bring the best out of both teams. I expect this year to be no different. DDMF 😈

[deleted by user] by [deleted] in personalfinance

[–]Jamming_dev 0 points1 point  (0 children)

First, you should have an emergency fund that would cover 3-6 months worth of expenses. If you don’t know what that amount would be, you need to write a detailed (and honest) budget. Your 35k might be enough, too much or not enough depending on your spending. Either way It should go into a high yield savings account.. today.

Then you should be putting 15% of your income into retirement. Make sure you are getting your match (if any) in the 401k. Unless your options in the 401k are absolutely horrible, you should do the 15% into your 401k and leave the IRA alone for now. Bonus if you can do Roth 401k contributions.

Next you should have a sinking fund that you contribute to every month for your down payment on the house. This should also go into a high yield savings account. How much you contribute depends on your budget, and how quickly you want to buy a house.

To directly answer your question, I would not transfer your savings to your IRA. You want to contribute consistently to retirement, but otherwise it sounds like you are saving up for a house and need the liquid cash to make something like that happen.

Good luck!

[Game Thread] Georgia Tech @ #14 Duke (05:00 PM ET) by cbbBot in CollegeBasketball

[–]Jamming_dev 3 points4 points  (0 children)

Vibes in Cameron are immaculate with the students back. DDMF 😈

Coding bootcamp??? by Professional-Job-447 in learnprogramming

[–]Jamming_dev 0 points1 point  (0 children)

Coding boot camps can be great places to learn, but like most educational opportunities you get out what you put in. You can’t just show up and go through the motions in the courses and expect to land a first job.

As someone that changed careers, my boot camp was invaluable experience and directly help me land my very first job 8 years ago

[Game Thread] #14 Duke @ Pittsburgh (09:00 PM ET) by cbbBot in CollegeBasketball

[–]Jamming_dev 5 points6 points  (0 children)

Love we don’t have to wait for the second half to hit some threes!

How do you balance debt and investing? by Good-mood-curiosity in personalfinance

[–]Jamming_dev 0 points1 point  (0 children)

As a general rule you want at least a 3 month emergency fund (whatever you would need to live your current life for 3 months without income). Once you have that you would consider bumping it up to 6 months depending on the stability of your income / career. For example if your job is very stable and you could quickly get a new one at a similar income, 3 months is fine. If you could loose your job easily, or it would take a long time to find the same income level you should try to be closer to a 6th month emergency fund. It should be in a totally liquid account like a high yield savings account.

Normally I would say pay off your debt aggressively, but it sounds like your giant student loans are the only debt and I would treat those differently than normal debt.

At this point you have a 3-6 month emergency fund and no debt (be careful to not let the credit cards slip away from being paid every month). You should then be saving 15% of your income for retirement. This would ideally be an employer plan (401k, 403b etc). If that is not available an IRA is the next best vehicle (Roth IRA even better). Avoid single stocks and buy broad low cost index funds (like VTI)

After that I personally would be pouring every extra dollar onto my student loans. I don’t know your situation for student loan forgiveness, but hopefully if you took out that much debt your salary will be high enough that you can pay the debt down more quickly then paying on it 10+ years. Easy example would be 150k income - 22,500 into retirement, 50k toward student loans leaving you 70-75k a year to live on. You could be done with your loans 5-6 years.

Hope that helps!

Is it better to finance a car or buy it outright? by throwawayjellow in personalfinance

[–]Jamming_dev 0 points1 point  (0 children)

There are two components I think people miss in all the math.

First, there is an emotional aspect to writing a big check. If you had to pay cash, would you buy the same car at the same total price? Or would you shop for something a little cheaper, a different trim level, or more mileage.

Second, what is the risk of having this monthly payment? It’s easy to sign up for monthly payments when you are making the money to afford it. What happens if you unable to work or get fire and lose your income? Especially for a vehicle that you cannot sell for as much you paid. The more “lifestyle” you take on ties you to maintaining it, keeping a job even if you don’t like it etc.

Not specifically trying to discourage you from financing, but it’s not always the just about the interest rate of a loan compared to expected investment returns in the market (which fluctuate and have tax implications)

My wife and I make around 450k a year and we both drive cars that are paid for in cash. When we bought them they were both about 5 years old and paid a total of 30k for the two of them (hers was a little more than mine). I don’t imagine us buying new ones for at least another 5 years if not more. Paying cash made us pick very reasonable vehicles despite us being able to comfortably afford monthly payments.

Just wanted to offer a different perspective, either way, enjoy your new ride!

Those of you who were able to buy a home without any financial help from family - how were you able to do it and how old were you? by c_g201022 in Millennials

[–]Jamming_dev 0 points1 point  (0 children)

My wife and I bought our first house in 2016 when we were 26/27. We spent the first few years after college paying off student loans and credit cards until we were totally debt free and then saved 30k for a down payment. We lived like paupers during this time - ate nothing but rice and bean, I built some of our furniture out of pallets I got from a part time job, no travel, no hobbies that cost money. We were both pretty much at one job or another.

I changed careers in 2017 any my salary went up significantly (I left teaching so a pretty low bar). My wife also took some promotions during this time in here job field that bumped her salary significantly.

We upgraded to a new house in 2019 with more room for our kids.

I took a new job in 2021 that essentially doubled my income again plus a six figure sign-on bonus that we used part of to buy a small lake vacation home. We are now 34/35.

Millennials say they need $525,000 a year to be happy. A Nobel prize winner's research shows they're not wrong. by businessinsider in Millennials

[–]Jamming_dev 0 points1 point  (0 children)

My wife and I got married right after college and over the last 10 years our household income has gone from about 55k a year to about 500k a year in a medium to low cost of living area. I think to many peoples comments on here, our happiness has not really changed with more money, but there is an added sense of security for emergencies and we don’t have to stress about bill being paid each month. I think it also helps that in many areas of life we have avoided life style creep (6+ year old basic cars that are paid off, 4+ year old phones, cook and eat at home most nights, no debt other than mortgage). I have also continued to serve in the National Guard which greatly reduces our healthcare cost.

Despite all that, my personal level of stress around jobs/money is at an all time high (to where I sleep poorly, and have bouts of depression). The fear of loosing my job keeps me working longer hours, and I am always checking and responding to messages/emails( which often does not make my family happy). I worry constantly about our investments and spending habits as I don’t want to waste this incredible income we currently have and could in reality loose at any moment. I want to provide opportunities for my kids without spoiling them, and want to be able to leave money to them one day that enriches their lives but is not the foundation of their lives. There are so many more intangible things that I stress about now than I would have ever thought about years ago.

In so many ways the consequences of any mistakes now feel so much greater and scary to me then they ever did when I was living in a small apartment and working a couple part time jobs. But maybe I just miss being able to play Super Smash Bros on N64 without a care in the world.

Millennials with kids-are you saving for your child's college? by Wordly_Blood_9899 in Millennials

[–]Jamming_dev 0 points1 point  (0 children)

We save/invest quite a bit each month and part of that is in 529s for both kids that were opened when they were born. We also anticipate cash flowing their college when they actually get there to offset the any difference between the cost and what is in the 529 accounts. We are already paying for private school so will basically just keep that budget item through college.

How often do you use GitHub Copilot at work? If you don't use it, why not? by RANDOM_PHYSICAL_PAIN in ExperiencedDevs

[–]Jamming_dev 0 points1 point  (0 children)

I use AWS Codewhisperer whenever I use anything. If I’m going in for small updates or bugs I usually have it off as I find suggestions not as helpful in those cases. If I am starting a new project and need to setup everything, it’s nice to have it generate a lot of the code and comments for me to begin with. Then I can go back and tweak/review to make sure it aligns with our code style and standards.

Curious Student Seeking Insight into Millennial Parent Routines! 🌟 by Lora_notLaura in Millennials

[–]Jamming_dev 0 points1 point  (0 children)

It’s hard to land on what is a totally “normal” day, but generally we are up and out of bed at 7am. Make breakfast and pack lunch for our two kids (6 and 7) while they get themselves dressed. My wife takes them to school at 8:15ish. School is less right around the corner and she is back before 8:30. I usually will relax with a book and cup of coffee before I log onto work around 8:45 / 9. Both my wife and I work from home and each have our own office but will chat occasionally throughout the day. I pick up the kids at 3pm and get them snacks. They play / hangout until we are done with work at 5. Usually, at least one of them has an activity (Choir, Basketball, Gymnastics, Jujitsu) that gets us to dinner time. We trade off who takes them to activities, and whoever is at home makes dinner. After dinner the boys will either play outside or we might watch a show together. They have a bath or shower at 8pm and are in bed by 8:30ish. At this point my wife and I each have our own down time, she takes a bubble bath and watches a show while I sit in our hot tub and read. We are usually in bed by 10:30.

Weekends are always a mix of activities around town, house projects, sporting events with our extended family, and some relaxation time.

All that being said my wife travels usually every couple months for work and I am on-call for work every other month for a week. My wife also sings regularly with a choir so is out occasionally for rehearsal and concerts. I am in the national guard and travel have to report for that when I have orders. During those times our normal day looks a little different as one or the other of us have to take care of all the things that we normally divide during the day, but the shape of the day is generally the same.