Category Archives: Articles

Very Simple Net Worth Estimator

Yesterday, I wrote about my first lesson in personal finance where I saw what the effect of savings rate had on retirement outcomes. I focused on the binary result of your net worth growing or shrinking after retirement.

I made a simple spreadsheet if you want to play with this yourself.

Here’s a link to a Google Sheet you can copy.

And here’s an Excel version.

To use it

  1. Put your age in A2
  2. Put your current net worth in I2 and K2
  3. Put your current salary in I4 and K4

I would leave market return, inflation, etc alone and concentrate on seeing the effect of different savings rates. You can see the actual saving amounts in Columns D and F.

Of course, you should not take this as financial advice or even assume these spreadsheets are correct — check the math (let me know if you see an issue).

They are not meant to be accurate models, they are a very simple way of looking at it.

Remember, you can’t really control a lot of the variables on this spreadsheet except saving rate, which you have a lot of control over.

I’ll soon talk about income, which is the other big variable you can control. In this spreadsheet, I have assumed that you get raises slightly more than inflation.

Self-hosting a Podcast in WordPress

I started a podcast about a month ago that helps programmers develop a writing habit. I looked at all the podcast hosts and ultimately decided to self-host. This is probably not for everyone, but here was my rationale:

  1. I already use WordPress for this blog, and I didn’t want a site specifically for the podcast as it is related to the other content here.
  2. I am unsure if I’ll make new episodes indefinitely, but I know that I want the episodes available indefinitely.
  3. I don’t have plans to add sponsors. If it ever got popular enough where that was an option, I think I’d rather point it towards my own products.
  4. I have enough technical skill to understand how podcast publishing works and can deal with rolling my own pieces if I need to.
  5. I am unwilling to compromise on privacy and the published URLs for files.

Given those attributes, most podcast hosts weren’t worth it for me. I just don’t care about analytics that much. I have no problem parsing web-access logs to get download counts.

So, I looked around and for WordPress, there is a great option, PowerPress, a free podcast plugin from Blubrry.

The plugin will handle generating the RSS feed and will walk you through submitting it to Apple, Google, and other directories. It has embeddable players that you can use on your episode pages.

If you don’t want to self-host, they provide a hosting service that you can access via the plugin with reasonable options, even for small shows.

But, they also support you hosting the mp3 files yourself and don’t require that you use their service at all. They even have a free, minimal analytics service for self-hosters. I don’t use it, because they require that you use their URLs and they redirect.

I’ll follow up this article about how I use Amazon S3 for the mp3 files and how I get some idea what the download counts are.

What is the Sound Equivalent of a Visualization?

Visualizations are well-studied, understood, and popularized. They are a part of every day life—we see weather maps, activity circles, and stock charts every day.

We know the names of the patterns: bar chart, pie chart, line chart, etc. We learn them in grade school. You probably put one in your slide deck last week.

I’ve often wondered why this was not true of Sonifications. If you’re like me, this term will be new to you. It actually took me a while to find it—my google searches came up with Auralizations and Audibilizations first. But, if you’re talking about trying to understand data with sound, the correct term seems to be Sonification.

There is a body of research about it in academia, but it doesn’t extend much outside of there. As far as I can tell, there is no equivalent to Edward Tufte’s visualization books, but for sound. There is no way to make them in Excel.

But they are all around us. We hear, make, and use them all of the time.

Consider just the ones you might encounter while driving.

When you honk your horn, you are conveying information about your car and mood to others. Similarly, an ambulance uses a siren to convey their position and direction to you.

My car tells me (with beeps) if I am drifting out of my lane. It gets even madder if I am about to hit something. It beeps whenever I shift into reverse. Turning signals remind me to turn them off with a steady metronome-like beat. So do the hazard lights.

I get warnings when my lights are left on, the keys are locked in, or if I don’t fully shut the door.

If my radio is tuned to traffic, that’s a kind of Sonification (data -> speech). My GPS does the same kind of thing for directions.

Radar detectors buzz if they detect the fuzz.

So, I hope I have convinced you that Sonifications are common. In my own thinking I have come up with these few similarities that seem to tie them together

  • Sonifications are real-time
  • Sonifications are actionable
  • Sonifications interrupt you while you are engaged doing something else

This is why we use them in a car. You are completely busy, with your vision fully engaged in a life or death activity. The sonifications are there to tell you that something important needs to be done right now.

New App-o-Mat Article: Why You Should Use SwiftUI for Developing Apple Watch Apps

I am developing a series of articles based on my experience developing Sprint-o-Mat. The first one explains Why You Should Use SwiftUI for Developing Apple Watch Apps.

My Apple Watch app, Sprint-o-Mat, was originally an iPhone/Watch app combination because, at that time, a Watch app needed to be paired with an iPhone app.

Then, 3 months after I started, Apple changed everything about Apple Watch app development.

I’ll be covering Apple Watch app development in detail, with an emphasis on workout apps. Subscribe to get email notifications of new articles if you want to follow along.