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January 2015 net worth update (-0.3%)
Posted by Leigh in Uncategorized on February 19, 2015
|net worth
|taxable assets – debts
|$ until FI
[Note: I updated the investments and net worth numbers 3/1 after I realized I had an error.]
This is a bit late, but these are the numbers as of 1/31. We got back from New Zealand and it was an amazing trip! Such a beautiful country. Thanks to NZMuse and her husband for showing us around a bit while we were in their city :) I'll post about the trip later – we still need to sort out all of that spending and will probably work on that this weekend.
Kicking the year off with a net worth loss, just like last year. This year's loss was only $2,700 though compared to last year's $5,300. Spending wasn't too bad either as most of the New Zealand trip was in February. I only worked a small bit in January, but if I had seen a normal paycheck, I would not have seen a net worth drop at all – things would have come out about even. January seems like forever ago now!
There is a positive financial note though: this January's spending was so much lower than last January's that the rolling 12 month spending total went from $48,045 to $44,012, which caused most of the dramatic drop in the "$ until FI" number.
Expenses: I spent $2,974 in January including the mortgage or $1,946 without it. Some of my controllable expenses broke down as follows:
- $242 Clothing – a new pair of black leggings and two pairs of pants, plus 9 pairs of socks since all of the ones I bought in early 2014 now have holes in them. Not very exciting.
- $261 Entertainment/Social [average last year: $211] – I originally set out trying to spend less money during my unemployment, but then I had all this new found time to hang out with friends while not stressed out! So I did and I had fun.
- $12 Eating out by myself [average last year: $18]
- $89 Groceries [average last year: $185] – We somehow managed to spend exactly $0.15 less on groceries in January than in December. This was low since we left partway through the month.
- $44 Work lunches [average last year: $147] – There weren't too many work days in January :)
- A big chunk of charitable donations, that I've mostly saved up for – just need one paycheck to be able to finish covering it! I'll be fully prepared for this next January.
- $23 Presents – a straggling Christmas present that I needed to pay someone back for.
- $83 Internet – I overpaid as I was playing around with something payment-wise. It'll be negative in February to compensate.
- $161 Travel health insurance for 4 weeks outside of the US
- $20 Eyebrows
- $23 Toiletries [average last year: $33] – moisturizer, ointment, bandaids, and shaving cream while in New Zealand.
- ($47) Furnishings – returning the wood swatches and buying some silicone spoons with a post-Christmas sale
- $70 Car maintenance – an overdue oil change and wiper blade replacement
- $243 Travel – cash, a bit of food, maps for the GPS, a New Zealand SIM card, and a cave tour. There will be at least ten times this in February's report…
Savings: $47,800 (down $5,500)
These funds are spread across a checking account that gets free ATM fees anywhere in the world, my health savings account, a savings account at my credit union, and a bit of a buffer in my credit union checking account.
This is down from making my full 2015 Roth IRA contribution.
Investments: $168,600 (up $4,100 or +2.5%)
This includes my Roth and Traditional 401(k), my 401(k) employer matching (fully vested!), my Roth IRA, my taxable investments including stock index funds and Series I Savings Bonds.
The change here comes from:
- Making my full 2015 Roth IRA contribution
- ~$1,500 in stock market losses
Mortgage: $142,300 (down $700 or -0.5%)
Some statistics here:
- 2.5%: the interest rate on my 5/1 ARM
- January 2018: when the interest rate on my mortgage is set to reset, possibly to 7.5%
- 0: months of payments eliminated with this month's pre-payments
- $0: extra payments made on the mortgage this month
- $0: interest this month's extra payments will save me on the next regular payment
- 29.0%: portion of my regular payment went to interest (originally was 59%; down 1.0 percentage points)
- 60.3%: amount of equity in my condo, assuming purchase price (up 0.3 percentage points)
- 50.2%: amount of the mortgage I've paid down (up 0.2 percentage points)
- $24,500: amount extra remaining to pay to be on track at the end of 2015 to pay the mortgage off before the rate resets in 2018
I'm just letting the regular, automatic payment go for now. Nothing special to see here.
TOTAL: $530,000 (down $1,600 or -0.3%)
I ended 2014 with a net worth of $531,600, so I've seen a change of -$1,600 or -0.3% so far this year. I'm going to set the y-axis on this graph to $650,000 so we can see how my net worth grows towards that throughout the year, but I'm too lazy to make the graph right now since it's already almost the end of February and I'll have to make another one next week.
I've already met my original retirement goal
Posted by Leigh in Uncategorized on January 23, 2015
My primary retirement goal is to be able to retire at age 50. I already have enough money to do that at 26 years old, to spend $2,183/month of today's dollars. That's the power of compound interest.
In general, I assume that I will probably have some form of income over the next 24 years until I turn 50 and I'm also not going to spend it all since that would be the counter opposite of my personality, which will bring in this retirement date.
I remember reading rave reviews of FIRECalc as a retirement calculator over at the MMM forums that I decided to play around with it this morning. I started wondering how much I am really over saving for retirement by. Sure enough, it's a lot! I already have enough in my portfolio to retire at age 50 and live for the rest of my life at my current spending rate. That's pretty good! So then I started wondering if you just look at the contributions to tax-advantaged retirement accounts of ~$58,500 per year, when does FIRECalc think I could retire? Age 39! It unfortunately doesn't seem to be able to answer the question of "How much more do I need to be saving now to retire at X age?" But when I told it I was saving $100,000 per year for retirement, it changed its mind to me being able to retire at age 32.
What do these numbers tell me? So long as I don't increase my standard of living, I should be able to completely retire in about 10 years or in my late thirties. Or if I prefer to donate most of my current income, I could retire happily around age 48.
This is why I feel that there's really no bad choice of where to stash my savings. I can pay down the mortgage faster, I can invest more in taxable accounts or in retirement accounts, or keep more money in cash. They're all good options since I've already met my real goal. I still plan to keep contributing to retirement accounts since they help save on taxes.
2014 In Review: Spending
Posted by Leigh in Uncategorized on January 19, 2015
Now, let's talk expenses. I spent $48,018 when everything was tallied up this year. I gave a small gift to my sibling to help out with something and I don't count that in my spending. It certainly puts things into perspective the fact that I can't even tell by looking at my net worth which month I did that.
This pie chart looks pretty similar to 2013's version, except that travel is a much bigger chunk of the pie. In my 2013 year in review, I talked about what I thought my 2014 spending/savings might look like. Let's check in with that:
1) My boyfriend and I are working on a system to split some expenses more so than randomly because we're working on incurring more shared expenses than we had this year. For now, the plan is to make it easy to transfer money between each other's accounts since we use the same credit union for our primary checking accounts.
SUCCESS! We set up the transfers between each other's accounts and near the end of the year, we set up a joint account that we've slowly started using. For now, we're just using it for groceries. We've also talked about getting a joint credit card at some point.
2) I plan to contribute more to charity in 2014 than I did in 2013. The plan involves getting my donations up to 1% of my gross income, including my bonuses. I have a few annual contributions set up and will continue to donate to the random causes that my friends participate in. When my bonuses post, I will transfer 1% of the gross amount to my checking account, add that amount to the donations budget and then figure out where to go from there.
SUCCESS! I'm calling this a success because even though I only donated $30 more in 2014 than I did in 2013, I set aside the 1% of my gross income from every paycheck and bonus and the reason why it's under is because I'm going to make a big donation in January 2015 and I wanted to have the money set aside for that. Near the end of the year, I moved the balance of this budget item to a savings account at my credit union in an attempt to separate it from my normal spending plan.
3) Overall insurance costs should be about $1,000 cheaper in 2014 because I had been paying monthly through July 2013 and then paid for a full year in August.
SUCCESS! In 2013, I spent $2,670.67 on insurance (auto, condo, and umbrella). I spent ~$1,800 on the same policies in 2014, a savings of ~$900. The new company raised my auto policy rate in 2014 by a decent chunk that I will probably try to shop around again in 2015.
4) I think that I will spend less on electricity. I spent about $700 in 2013. I'm hopeful that I can get that figure down to around $440 for the year, but we will see how things play out!
PASS! The average in 2014 was 0.33 kWh/day more than in 2013. I hadn't planned on my boyfriend moving in this year when I set the goal to reduce electricity costs. All things considered, a 0.33 kWh/day increase for a second person isn't too bad. I'm hopeful that with some of our new energy saving light bulbs, we should not increase our electricity consumption in 2015.
5) HOA dues went up a small amount for 2014. I have been budgeting for property taxes to go up about 3% per year, but it looks like my property value went up by much more than that for 2014 and so I'm guessing that they will go up by closer to 20%, putting those two items at about an increase of $800 in 2014. I don't have much control over those items without moving though.
These two items ended up going up by about $700 in 2014. It looks like my property taxes may go up an additional 20% in 2015, which I've budgeted for since they sent me a notice with my new assessment value for the 2015 tax year a few months ago.
6) I think that I will spend less on my household goods and toiletries items because there were a lot of cleaning products and different items that I stocked up on that should last for a long time – I shouldn't have to re-buy very many of those items.
SUCCESS! This was accurate on household goods. I spent $342.23 in 2013 and only $197.10 in 2014, a savings of about $145.13. I spent $347.89 on toiletries in 2013 and only an additional $24.87 in 2014 of $399.76. That's not bad.
7) I will spend around $400 more on recreation in 2014.
SUCCESS! I spent $882.01 on recreation in 2013 and only an additional $97.43 in 2014 to $979.44. Looks like I underspent on recreation! This is definitely true – I didn't exercise nearly enough in 2014.
8) I will probably spend around $1,500 less on shopping in 2014- fewer condo projects.
FAIL! I spent $3,538.94 on shopping in 2013 and $3,383.68 in 2014. So yes, I spent less, but not $1,500 less like I had predicted. Where did all of the shopping money go this year?
- $1,666.59 painting and second half of closet install
- $411.38 small furnishings: picture frames, a pizza stone, a nice knife and some other kitchen things, new sheets, artwork, a temporary desk, and some wood swatches
- $354.37 a new camera
- $301.59 small electronics: batteries, a new router, a speaker
- $267.54 fixing my laptop (includes shipping costs)
- $141.07 plants and a container
- $123.69 three hats and a scarf
- $108.13 new thermostats
- $20.22 a case for my cell phone
9) I will spend a lot less on taxis and nothing on tolls.
PASS! I spent $52.83 on tolls in 2013 and only $30.00 in 2014. I spent $259.25 on taxis in 2013 and only $63.85 in 2014. Since I own our one car and pay for that, my boyfriend tends to pay for taxis when we're going somewhere together.
10) I will increase my overall savings rate to 85%.
FAIL! Hah! This would have required my income to be in the higher end of my estimate and to have spent much less.
11) My current forecast is about $38,500 in spending in 2014, which would be about a $7,000 reduction from 2013.
FAIL! Hah! I spent $48,000 or about 25% more than my forecast. Oops! It was a good year though :)
Comparing 2014 to 2013:
- I spent $619 more on housing (internet, condo insurance, electricity, HOA dues, household goods, mortgage loan fees, property taxes, required mortgage payments).
- I spent basically the same amount on clothing/shoes (~$1,900) and personal care (~$800 on hair cuts, eyebrow waxes, toiletries, and make-up).
- I spent $697 less on entertainment in 2014 than in 2013, for a total 2014 cost of ~$2,500.
- I spent $109 less on eating out by myself in 2014 than in 2013 (almost all of my eating out these days is with my boyfriend or with friends rather than by myself).
- I spent $354 more on groceries, which was to be expected since I'm eating out a lot less and we also cook meat a lot more at home than I was on my own. This amount is less than the decrease in entertainment and eating out though and still under $200/month so I think this is fine.
- I spent $863 more on work lunches since I didn't take my lunch very much in 2014, for a total 2014 cost of ~$1,800.
- I spent $637 more on presents.
- I spent $671 less on health (medical, dental, and vision) than in 2013. I estimate I'll spend even less in 2015 since my premiums are lower with the new job.
- I spent $155 less on shopping.
- I spent $1,448 less on transportation.
- I spent $3,082 more on travel – a whopping $7,558.45 on travel in 2014!
- Overall, I spent $2,736 more in 2014 than in 2013.
Where would I say my $9,500 over my spending goal went?
- $3,558 to travel (a $900 bachelorette party for a friend and our upcoming month-long trip to New Zealand)
- $1,344 in unplanned shopping spending
- $907 of unplanned medical/dental/vision spending (partially an increase in premiums)
- $1,094 in unplanned clothing spending
- $1,026 in unplanned food spending
- $229 in unplanned personal care spending
- $1,338 in other miscellaneous unplanned spending that I'm too lazy to research since my budgeting isn't really that thorough
Basically, I spent the exact same as I did in 2013, plus I spent an extra $3,000 on travel. Lifestyle deflation is apparently really hard and I think I should try to make fewer sweeping lifestyle deflation changes going forward. I was too optimistic for my spending in 2014! I recognize that $48,000 is a large sum of money to support just one person. I try to instead remind myself of the fact that I saved 68% of my net income in 2014 and to evaluate whether I enjoyed the purchases I made throughout the year and so long as I did, then my spending is fine. I also don't want to regret not going to a friend's wedding because I thought the price was too high to go.
How do I think my spending in 2015 will be different than 2014?
- I will spend $3,035 less on housing with my boyfriend moving in. I don't know what the property tax bill will look like yet, but I've estimated for a 20% increase. There's also a small special assessment due. I justify not caring about this by how much cheaper owning is than renting (~$14k to own my two bedroom condo last year versus ~$39k to rent a similar place).
- I am planning to spend less on clothing, but who knows how that'll actually end up going.
- I think I'll spend about the same on entertainment, dining out, and personal care.
- We've each set up automatic transfers for $200/month to the joint account to cover groceries. I'm reasonably sure this will be sufficient, but it may be more than we need.
- I've estimated to spend about the same in 2015 on work lunches, but I'm going to see how the new job goes, how much the cafeteria costs, and then see if I can reduce this at all.
- I estimated in my budget that I'll spend less on recreation. My new employer will cover a certain amount of fitness related expenses. I haven't decided whether I'll count the funds as income or a reduction in spending. If it's taxable income, I'll probably count it is a income. That'll affect what this category looks like this year.
- I've estimated only $500 for shopping compared to 2014's $3,400.
- I estimate spending about $400 more on transportation. Hopefully that's not the case and car insurance will go down!
- I'll spend about $500 less on travel.
- Overall, I plan to spend about $9,200 less in 2015 than in 2014: 33% of that is housing, 10% clothing, 13% health, and 31% shopping.
Readers, how was your 2014 spending?
Goals for 2015
Posted by Leigh in Uncategorized on January 15, 2015
I'm not really sure what to expect from 2015. I'm starting it off with some big changes: my boyfriend having just moved in, our big trip, and then a new job. I'm also considering throwing another big change into the mix (see the mystery goal below), so I'm not sure what things will look like.
1) Enjoy living together! Have an awesome trip to NZ!
2) Contribute the maximum to all tax-advantaged accounts available to me. This means $5,500 in a Backdoor Roth IRA, $18,000 in a pre-tax 401(k) and possibly some additional funds to the after-tax 401(k) and possibly my 2016 Roth IRA amount in a savings account ready to deploy in January. This will account for probably about 2/3 of my savings in 2015.
3) Learn the ropes at my new company and have an awesome first year!
4) Exercise for at least 45 minutes per day. My phone is really helpful at tracking this for me!
5) Go to the gym (or run) three times per week.
6) Contribute enough to a Health Savings Account such that Out Of Pocket Maximum ~= Current HSA balance + Employer contribution + my contribution.
7) Succeed at Operation Bayes – I'll explain this later.
8) Spend under $40,000.
9) Save 70% of my net income monthly…and 100% of my bonuses. (Yay for a big raise that will allow me to save that much of my monthly income!)
10) Contribute the maximum that I can to the Employee Stock Purchase Plan.
11) Pay down the mortgage with any funds that are leftover after 2), including the proceeds of 10).
Even if I make no extra mortgage payments, the mortgage will pay itself down by about $9,000 in 2015. I'm becoming much less concerned about the mortgage with the smaller balance and the likelihood of the interest rate jumping up to 7.5% when it resets seeming less and less likely. Right now, if it were to reset today, it would likely reset to 2.875%, which would actually lower my required payment by ~$400/month and increase the January 2015 interest cost by about $46.
Overall, I'm anticipating a net worth increase of about $100,000 to $120,000 for the year to increase my net worth to $630,000 to $650,000. I expect my gross income to be somewhere between $140,000 and $150,000 in 2015.
Re-balancing my investments: 2015 Roth IRA contribution edition
Posted by Leigh in Uncategorized on January 14, 2015
I set my 2014 investment allocations back in December 2013 and then left them alone, which went great!
As of 01/02/2015, my investments portfolio was worth ~$164,400. I decided to re-balance my investments now with this Roth IRA contribution and then I'll re-evaluate things once I start the new job. That will likely be calculating what my new 401(k) contributions should go into and then re-balancing my overall portfolio when I make my 2016 (!) Roth IRA contribution and set my 2016 401(k) contributions.
(Note: when I wrote this post last year, I estimated that my end of year balance would be $156,000. It is $8,400 higher than that! Crazy!)
First, what are the balances in my various accounts?
- $38,900 Roth IRA (with $5,500 new contribution)
- $8,400 Old tax-deferred CDs
- $10,200 Series I Savings Bonds
- $15,300 Taxable account
- $97,100 Now-old 401(k)
- $169,900 Total investments
What is my asset allocation?
|Fixed income
|International stocks
|US stocks
My allocation has gotten itself to the following with the markets and contributions in 2014 (a tiny bit out of whack):
- 27% Fixed income
- 34% International stocks
- 39% US stocks
And if I just added my 2015 Roth IRA contribution to total US stocks, my allocation would get a tiny bit more out of whack:
- 25.8% Fixed income
- 32.8% International stocks
- 41.4% US stocks
At which point, US stocks are 4.9 percentage points higher than they should be, which warrants re-balancing in my 401(k) account at the same time. Last year, since I'd just re-balanced in November 2013 to make my 2013 Roth IRA contribution, I didn't do any when I made my 2014 Roth IRA contribution and instead re-balanced with my 401(k) contributions over the course of the year.
If we follow my ordering from my post on tax-efficient investment placement, what does that ideal portfolio look like?
- (not necessary – all in S&P 500 index fund)
My employer match to the company stock
- Series I Savings Bonds that already exist in taxable
- CDs that are already in my Roth IRA
- The remaining portion of my fixed income allocation to the stable value fund in my 401(k).
- (not necessary)
As much of my remaining fixed income allocation to Total Bond Market in my Roth IRA as possible
- (not necessary)
If my tax-advantaged balances weren't enough for all the fixed income necessary, added $10,000 in Series I Savings Bonds (possibly early for future-proofing)
- (not necessary)
Any other fixed income went to a tax-exempt bond fund in taxable. As much of my international allocation in taxable as it allowed (in the first few years, my entire taxable balance; in later years, the entire international allocation)
- Next, I added any of the remaining international allocation into my 401(k).
- The remaining 401(k) funds went to the S&P 500 index fund. Call this amount X.
- (X/0.8)-X is how much I put into the Extended Market index fund in my Roth IRA (minimum of $3,000).
- The remaining Roth IRA funds went to Total Stock Market.
- (not necessary)
The remaining taxable funds went to Total Stock Market.
Ideal portfolio
|Stable value
|Total international stock index (admiral shares!)
|Total international stock index
|S&P 500 index
|Roth IRA
|Extended Market index fund
|Roth IRA
|Total Stock Market index fund (admiral shares!)
Note that these numbers are all rounded, so they may be slightly off if you try to make calculations with them, but they should still illustrate my example sufficiently.
My portfolio is pretty simple right now: one taxable account, one 401(k), and one Roth IRA, with one fund in taxable, two in the Roth IRA, and three in the 401(k). My re-balancing here is really just adding new money to the Total Stock Market index fund in my Roth IRA and then adding some money to fixed income and international stocks in my 401(k).
I performed a few transactions to accomplish this:
- Contribute $5,500 to the money market account in my Traditional IRA.
- Convert the $5,500 from my Traditional IRA into the total stock market index fund in my Roth IRA once the funds settle.
- In my Roth IRA, exchange $1,300 from the extended market index fund into the total stock market index fund.
- In my 401(k), exchange $8,300 from the S&P 500 index fund to $2,000 in the stable value fund and $6,300 in the international stock index fund.
D'oh! I did all of these transactions and then realized while writing this post that I needed to set it to only use my Traditional 401(k) portion to do the exchange, so it's trying to do the re-allocation using all sources (also my Roth 401(k) and employer matching money), which I have conveniently set to only have one fund in those "accounts". Oops! I called the plan administrator on Monday and they couldn't do anything to fix the transaction. So my asset allocation is on track, but my accounts are a tiny bit more complicated than I like them to be. Oh well.
2014 In Review: Goals, Savings, Net Worth, Investments, and Mortgage
Posted by Leigh in Uncategorized on January 10, 2015
Whew! 2014 was a very full year. A lot happened that I didn't plan on at the beginning of the year: my boyfriend moving in, job hunting, sharing Christmas, finding a new job, about to quit my job, and a big trip happening in early 2015.
This post has been delayed since I finally left my job. I now have a bit of a break until I start the new job next month. I'm really curious as to what will happen with my net worth in January and February!
Goals review
1) My first priority in 2014 is to continue to develop my relationship with my boyfriend. Things are going great and I want to continue to prioritize that.
SUCCESS! If anyone remembers a haphazardly mentioned Operation Penguin from a monthly goal post this year, that was my boyfriend moving in. He's moved in officially now, which is awesome. We have a ton of physical stuff to sort through from merging households still, but we're in one place! We've also planned a big trip for early 2015, went on three trips in 2014, attended two weddings, and shared Christmas with my family this year.
2) Rock out at my new job. Without the high-paying job I have, I wouldn't be able to accomplish any of my financial goals.
FAIL! I'm going to give this one a big red fail. The new job went great for oh, the first five months and then it just fell flat on its face. I couldn't have predicted how this would go and then I ended up job hunting partway through the year, which was incredibly stressful. I'm really excited about the new job and it'll be such a change that I'm feeling much more confident about it!
3) Max out all tax-advantaged accounts available to me. This means $17,500 to my 401(k), $5,500 to the Roth IRA on January 2nd from savings and $5,500 to a savings account to fund the 2015 Roth IRA.
SUCCESS! Woo! I accomplished this one 100%. I maxed out my 401(k) in July, thinking I was going to quit my job. I did make my full $5,500 Roth IRA contribution in January 2014. Mentally, $5,500 of my savings account is for my 2015 Roth IRA. It's possible that my income might drop to the point that I can contribute directly in 2015, so I may end up waiting a bit to do the Roth IRA contribution. I haven't fully decided yet. I may just wait until February. Who am I kidding, I'll probably just do it January 2nd like I did last year.
4) Pay down the mortgage. I would like to get it under $91,284.28. That should keep me on track to paying it off by the end of 2015.
SUCCESS! This was a super vague goal and by its vagueness, I succeeded at it! I did pay down the mortgage, yes I did. I did not get it anywhere near $91,284.28, hah! It is currently sitting at $143,000, which represents it being half paid off. My savings account has about $20,000 extra in it, which will possibly go to the mortgage once I start the new job, so that would have put the mortgage at $123,000. If we weren't taking this unplanned awesome trip, it would be down another $6,000 to $117,000. My bonuses were less than anticipated, accounting for another $7,000 in a higher mortgage balance, so $110,000 in the ideal scenario. That's still ~$20,000 above my "goal", but I was expecting to hit closer to $110,000 anyway.
5) Spend less than $39,000 for the year. If I can accomplish this, it would be my cheapest year since graduating from college! This would map out to 4.4 years of expenses saved up, which is about 17.6% of the way to FI if you count it as having 25x annual expenses saved up.
FAIL! Flat out fail. When all was said and done, I spent $48,000 this year, $9,000 or 23% above my spending goal. I'll go into this in more detail in another post, but I definitely didn't plan on all of this spending.
6) Overall, I'm anticipating a net worth increase of about $115,000 for the year to increase my net worth to about $465,000. (For reference, I expect my gross income in 2014 to be between $160,000 and $190,000.)
PASS! If you take out the increase in my condo's value, my net worth went up by about $93,700 this year, $21,300 short of the above guess. My gross income ended up being just under $170,000, in the lower end of the range I listed above, which contributed to most of the lower net worth increase. The other contributing factor was of course the unexpected spending.
2014 by the numbers
- My gross W-2 income was just under $170,000, a drop of about $30,000 from 2013.
- I churned three credit cards, which gave me $1,940.42 in credit card rewards including the regular 2-5% cash back and taking out the $89 Barclaycard annual fee.
- My gross income was about 353% of my spending for the year (my average since college is 317%).
- I paid down the mortgage from $187,552.40 to $143,000, a difference of just under $45,000. That's about 16% of the original mortgage balance, putting it at 50% paid off, and giving me just over 60% in equity.
- Adjusted the value of my condo in my net worth by about 26% based on how similar units are selling around me.
- Increased my net worth by $185,700 over the course of the year to $531,600.
- I spent about $48,000, an increase of about $3,270 from last year.
- I saved about $86,700, for an overall savings rate of about 68% and about 54% of my regular income.
- My investments were up about $5,200 for the year, which was a return of 3.42% according to XIRR.
- Increased my assets and paid down my mortgage such that my assets were I to liquidate all of my retirement accounts are worth more than the mortgage and I am only about $70,600 in already liquid funds away from being able to pay off the mortgage, a $64,600 improvement from 2013.
- Decreased the amount needed to save to be FI by $12,600 to $811,300, though I possibly added 2.56 years to my FI date? (Clearly this is still very much a moving target.)
- Buying my place is now only $2,307.96 more expensive than continuing to rent would have been, ignoring the increase in value of my condo. It will break even assuming purchase price in February 2015.
2014 in charts
My savings were split this year mostly between my Traditional 401(k), extra mortgage payments, and some cash savings in anticipation of changing jobs. Most of that cash savings will go to the mortgage in 2015.
I also had my highest net worth increase yet of $185,700, settling in at $531,600 at the end of the year. Things are moving along well! I really like the "Where in the world could I retire today?" game that Planting our Pennies have been playing. If I were to sell my condo and retire today, I could retire in Sofia, Bulgaria. I'm no longer stuck in India, which is pretty cool. I'm guessing that by some time in 2016, I should be able to retire in the lowest cost of living city in the United States or Canada on the Expatisan listing. I also have about 11 years of expenses saved at 2014 spending levels if you include my condo value or about 3.7 if you take the liquidated value of everything except the condo. This year, my expenses were about 9% of my end of year net worth. I've been noticing that the more money I have saved, the less motivated I am at work when I don't like my job since that job looks more and more unnecessary as time goes on and my nest egg accumulates.
I finally paid the mortgage down to the 50% marker! I'm pretty excited for that one. I didn't make nearly as much in extra payments as I did in 2013 (see $30,000 gross income drop). But I did manage to lower my monthly interest cost from $400 in December 2013 to $307 in December 2014 by paying down about $45,000 of the mortgage.
My investments had a lot more ups and downs in 2014 than ever before. My employer and I contributed just under $25,000. My 401(k) was over $100,000 at some point this year and my Roth IRA is definitely over $30,000 now. I also saw just over $3,000 in dividends across all of my accounts and I'm estimating to get close to $4,000 in 2015. My largest one month gain was $5,235 and my largest one month loss was $4,373.
December 2014 net worth update (+0.5%)
Posted by Leigh in Uncategorized on January 1, 2015
|net worth
|taxable assets – debts
|$ until FI
This is the last net worth update of 2014!
You might notice that the 'taxable assets – debts' numbers look a bit different than they did last month. This is because I decided to start calculating them ignoring the "cash" numbers since I would not ever empty my checking account in order to pay off the mortgage.
I, ahem, have used the money that normally goes to savings from my November and December paychecks to pay for our awesome trip that is coming up soon, so I saved a lousy 2% of my paycheck this month and 4% last month. As you would expect, that has pretty significantly dropped my overall savings rate for the year, which I'll talk about when I look at the year in review over the next week.
I'm not doing very well with keeping such a larger savings account buffer. I tend to like to move money somewhere useful as soon as possible. I made an extra payment on the mortgage near the end of December to lower the balance a bit. I'll probably also use $5,500 from savings to make my 2015 Roth IRA contribution before I start the new job and then hopefully I'll be able to leave the rest of the money alone until I start the job since I will have about 4-6 weeks unpaid and possibly 1-1.5 months between paychecks. But in reality, I don't need to have a $50,000 emergency fund.
The $ until FI is a huge moving target since even a $200 increase in average monthly spending requires an additional $60,000 saved or for example, my estimated savings from my boyfriend moving in lowers the target by about $100,000. Here are the past numbers on this:
- EOY 2010: $1,027,400 (average monthly spending $3,600)
- EOY 2011: $856,500 (average monthly spending $3,300)
- EOY 2012: $1,104,800 (average monthly spending: $4,220)
- EOY 2013: $823,900 (average monthly spending: $3,730)
- EOY 2014: $811,300 (average monthly spending: $4,000)
It is in general going in the right direction (down), but it is pretty variable. If things go according to plan in 2015, this number should drop down under $500,000!
Expenses: I spent $4,369 in December (ignoring work reimbursable expenses) after the mortgage or $3,342 without it. My total spending for 2014 was $47,994.
Some of my controllable expenses broke down as follows:
- $151 Clothing/Shoes – bought two white tank tops and a pair of warm black flats
- $207 Entertainment/Social [average this year: $211, last year: $224]
- $40 Eating out by myself [average this year: $18, last year: $25] – this was increased a bit from the moving
- $89 Groceries [average this year: $185, last year: $152] – this is my half and I'm not really sure what happened here. We were gone for a few days for Christmas and we ate out a bit more than usual, but this is abnormally low grocery spending.
- $161 Work lunches [average this year: $147, last year: $77]
- $495 Presents [$1,228 so far this year, $627 last year] – I had a lot more people to buy presents for this year and I also bought more expensive gifts than I did last year.
- $33 Internet – yay for split internet :)
- $0 Household goods [average this year: $17, last year: $29] – a lot of this has gotten rolled up into groceries and I'm not concerned about that since it's easier to split things this way.
- $38 Electricity – October/November [$719 so far this year, $699 last year – rates went up about 7% year-over-year and my boyfriend and I are now splitting this]
- $57 Hair cut
- $110 Toiletries [average this year: $33, last year: $31] – new shampoo, conditioner, and a couple other hair products. I decided to splurge on less cheap shampoo, conditioner, etc. and my hair is feeling so much better already!
- $77 Accessories – my cost of a bigger purse after Christmas money
- $77 Furnishings – some wood swatches to look for a new piece of furniture for the kitchen/dining room (these will be returned for a full refund once we've decided what to buy!)
- $354 New camera, 64 GB memory card, and some filters – my point and shoot was from 2008, so we decided to buy a new camera before we go on our trip
- $5 Transit fares – took some transit while visiting my family over Christmas
- $7 Car maintenance – bought a tire pressure gauge
- $37 Electronics – some more rechargeable AAs and AAAs
- $12 Fuel [$224 so far this year, $393 last year]
- $30 Tolls – filled up my tolls account again
- $900 More flights and one of the hotels (we accidentally prepaid for the hotel) for our overseas trip
- No more HOA dues to pay :)
Cash: $12,300 (up $4,200)
This is mostly up because I've set aside all of the money to pay for our trip and the funds are just hanging out in my checking account until we pay for more stuff.
Savings: $47,800 (down $4,300)
These funds are spread across a checking account that gets free ATM fees anywhere in the world, my health savings account, a savings account at my credit union, and a bit of a buffer in my credit union checking account.
This is down because I made an extra payment on the mortgage and I needed to borrow a bit from savings to cover the gap from my December paycheck in my checking account.
Investments: $164,500 (down $2,100 or -1.3%)
This includes my Roth and Traditional 401(k), my 401(k) employer matching (fully vested!), my Roth IRA, my taxable investments including stock index funds and Series I Savings Bonds.
The change here comes from:
- Stock market losses
- No contributions (status quo for the rest of 2014)
- Almost $1,000 in dividends (maybe next year I'll surpass $1,000 one quarter!)
Mortgage: $143,000 (down $4,700 or -3.2%)
Some statistics here:
- 2.5%: the interest rate on my 5/1 ARM
- January 2018: when the interest rate on my mortgage is set to reset, possibly to 7.5%
- 6: months of payments eliminated with this month's pre-payments
- $4,000: extra payments made on the mortgage this month
- $8: interest this month's extra payments will save me on the next regular payment
- 30.0%: portion of my regular payment went to interest (originally was 59%; down 0.1 percentage points)
- 60.0%: amount of equity in my condo, assuming purchase price (up 1.3 percentage points)
- 50.0%: amount of the mortgage I've paid down (up 1.6 percentage points)
I made my first extra payment since August! That was awesome. I'm looking forward to getting back to making extra payments soon, although how much extra I'll pay the mortgage down in 2015 depends on whether I have access to the Mega Backdoor Roth IRA or not with my new employer. I'm about $19,400 ahead of where I needed to be at the end of 2014 to pay the mortgage off before the rate resets in 2018!
TOTAL: $531,600 (up $2,500 or +0.5%)
I ended 2013 with a net worth of $345,900, so I've seen a change of +$185,700 or +53.7% so far this year.
I've set the y-axis on this graph to $465,000 so we can see how my net worth grows towards that throughout the year. I have now surpassed my original y-axis of $465,000 (!), so I've increased it to $550,000, which is my new estimate for the year. I didn't quite meet my $550,000 estimate for the year.


text:
The table below looks at the statistics for Red Hat Spacewalk skills in IT contracts advertised for the Hampshire region. Included is a guide to the average contractor rates offered in IT contracts that have cited Red Hat Spacewalk over the 3 months to 1 April 2015 with a comparison to the same period in the previous 2 years.
Note that daily contractor rates and hourly contractor rates are treated separately. When calculating average contractor rates, daily rates are not derived from quoted hourly rates or vice versa.
The following table is for comparison with the above and provides statistics for the entire Systems Management category in contract jobs advertised in the Hampshire region.
The table below looks at the demand and provides a guide to the average contractor rates quoted in IT jobs citing Red Hat Spacewalk within the Hampshire region over the 3 months to 1 April 2015. The 'Rank Change' column provides an indication of the change in demand within each location based on the same 3 month period last year.

subset: commoncrawl


text:
Jack-O-Lantern Table Topper
I knew the camera batteries were on the way out so this is a 'point and click' picture and a little crooked. I appliqued the nose and stem and if I do another Jack-O-Lantern, I'll applique the eyes and mouth. I think he looks a bit cross-eyed like this. No pattern that I know of, I just went with it!
Geraldine, It ended up being 19" X 31" and the squares are 2" finished. The rest is just whatever. Help yourself to whatever you want to use of it. I used another leafy autumn fabric for the backing (has various kinds of squash) so it can be reversed. What I ended up doing for the nose and stem is to use two pieces of fabric, machine sew around the triangle leaving a small opening, then turn and press. I thought it made it easier cause I didn't have to deal with any raw edges, but you can do whatever you want.
He is such a happy jack-o-lantern. I love how you have him placed inside the dark border and the pretty leaves fabric is very effective. Great job and now you are a designer!
Thanks, Jennifer.
Jean, The design part just happened, it isn't an ongoing talent by any means. I like to put black with any bright fabric to make it really stand out..specially when it's a whimsical project.
Rosa, I had just bought all these orange fabrics to make a carrot tablerunner. I still want to, but it isn't in the near future. Too much going on and I'm not feeling up to par. This heat is sapping my energy but I need to clean up my sewing area today...it's really messy, even for me.
Thanks, Chrizty. It really was fun to put together. Fourteen yo DGD was here when I was auditioning background fab. I knew what I wanted, but let her look at the various fabrics I had out and let her think she decided. I try to work things out so she can experience part of my quilting and any design factors as much as possible. She isn't interested in it right now, but she has a good eye and maybe years down the road, she might remember.


text:
- eXtv | Brand & Merchandise
Graphic work for a Team Fortress II casting group.
- eXtv is a group that fosters the growth and uprising of the F2P game, Team Fortress 2. They dedicate themselves to produce content through live streams of matches, commentaries, community events, among the many.
I was honoured to be asked to assist in creating some graphic work for eXtv. Some of the work displayed here have been utilized, but some have been done as practice.
- T-Shirt Models Provided By: http://www.designbyhumans.com/designguide


text:
Okay, we've had the lists from the high brow movie magazines, the exclusive critics groups, various newspapers and magazines, but what about one from somewhere that has a bit of pulse on what the folks are actually seeing at the multiplex? Well, MTV has dropped their top ten movies of the year, ...Read More »
When it first began, many, many years ago, The Playlist covered film in general, but with a particular focus on the places where movies intersected with music -- scores, soundtracks, music videos et al. And while our remit has grown over time, it's still something we take a particular interest in. A...Read More »
The weekend after Thanksgiving is usually a down time, but studios ordinarily have a big bopper out during this timeframe. But this opening frame for December was fairly quiet, giving "Skyfall" a chance to take the top spot one more time before this month's blockbusters hit theaters. The picture has...Read More »
Asked about returning to direct another Bond after the massive success of "Skyfall," Sam Mendes played it cool. "Do I want to do another one? I'm a shadow of my former self [laughs]. No, I don't know. I felt like everything I wanted to do with a Bond movie, I put into this fil...Read More »
One of the joys of "Skyfall" is its darkly psychedelic opening credit sequence, which combines to great effect Adele's soaring song with the iconic Bond graphics overlaid on Daniel Craig's sinking figure. We're basically watching Bond's fall into death as images pass before his eyes. Sam Mendes' lat...Read More »
For over five years now, the Soundworks Collective video series has illuminated the nuanced soundscapes of award-nominated (and other deserving) films, including "Scott Pilgrim vs. The World," "War Horse," and "Inception," and now as we're reaching the apex of...Read More »
Decline of western civilization, moviegoers aren't smart, cinema is dead, bla bla bla. Edward and Bella performed yet another hit-and-run on the box office this weekend, and while "The Twilight Saga: Breaking Dawn - Part 2" closes this particular story with a $140 million three-day opening, you'd ha...Read More »
With an $88.4 million domestic haul on its opening weekend and a $428.7 million international haul thus far, Sam Mendes' "Skyfall" could be the first Bond film to pass the $1 billion mark worldwide. Who will benefit the most from this skyfall of success?Read More »
The opening credit sequence is a Bond tradition that spans the entire franchise, even though in the Daniel Craig era they haven't been all that memorable. But it is another check of approval to Sam Mendes' fantastic "Skyfall" that the element returns with such success, and now on...Read More »
Whenever any movie, even yet another James Bond sequel, gets the kind of rave reviews and business earned by "Skyfall," the inevitable awards speculation occurs. Will it get Oscar nominations? After all, right out of the gate Brit theater director Sam Mendes' "American Beauty" swept five Oscars incl...Read More »


text:
Stephen Dank foreshadows further legal action after Essendon players cleared of doping.
Former West Coast star Daniel Kerr made a brief appearance in court this afternoon.
WA teen convicted of killing his mother's ex-partner sentenced to three years in detention.
Perth couple to be paid more than $720,000 after they were refused jobs for not being in union.
Australian Donna Vasyli appears in court accused of murdering Sydney podiatrist.
A small research group has figured out how to give humans night vision: report.
- °


text:
Visitors, a Very Necessary Luxury at Rehabilitation and Care Centers and Nursing Homes If you think that you can be in a nursing home for long -term care and be as happy as you might be in your own home, you are slightly mistaken. The long -term care units of some rehabilitation and care centers are the most horrible places inside these buildings. Sure you might find one that is good, but for the most part, from what I have observed, one long -term care unit is worse than the next one. If you are seeking long-term care, you might be better off checking out each and every facility rather than just checking out one or two places. And the most important information and inside scoop you can get is from residents who have left there already. Have you seen any residents at all who are actually happy with the care that they received in those places? Do some unofficial surveys, some verbal surveys. Ask around; ask in the hospitals, ask in your neighbhorhoods. Find out if there is any happiness anywhere in long-term care facilities. Usually your happiness goes out the window when you are transferred to the long-term care unit when you should be in the short -term care unit. That's where the happiness is. It is not in your spirit -because you thought you were just "visiting" there and the facility and the red-tape turned you into a long-time resident -against your will and against the will of your family. How do you gain your happiness back? Here is how you can stop the facility from taking your happiness, from taking advantage of you and your family ,and here's how you can stop the facility from doing things to you and your family that they should not be able to do. Follow these steps -for an improved life - at physical rehabilitation centers and nursing homes: 1. Know what you are there for! And make sure the staff knows what you are there for. If you came into the nursing home /rehab for short term care, make sure that they know that and are reminded of that. One resident I know was accidentally transferred upstairs to the long-term floor and that transfer set his therapy back for weeks or months. Never allow a transfer to another floor until you agree to the transfer and until you have made a thorough inspection of the new floor. 2. Make your family and friends visible at the facility. (Residents who have visitors or family's seem to be treated better and have more attention paid to them WHEN the family speaks up about what is happening). Let staff know that you are not alone. In good nursing homes you will be treated fairly , whether you have visitors or not, but in those nursing homes that are horrible, you will be treated better when they see that you have friends and family visiting. Have people visit you. Call your local Priests or Rabbis and have them visit. Call your Avon person and have them come visit while you look at their catalog and choose your items. 3. Once you have discovered that you are in a bad nursing home (bad meaning no care, lack of care or negligent care) when you have important communications for the facility about important resident or life decisions, put that in writing to the facility. This way they cannot deny that you stated it clearly to them, when they fail to take proper actions. 4. If you or your friend/family member develops new bedsores while at the facility, clearly note this and make sure the staff acts on handling the bedsores-making them heal rather than allowing them to grow into large scabs and life-threatening medical problems. (Just recently there was a news note where a man died of maggots in his eyes and bedsores -while his facility didn't notice till he was dead). 5.Know that bedsores develop from spending too much time in bed or wheelchairs, so be active and do your exercise and therapy when needed. Check the resident or patient for bedsores before they are admitted to the nursing home. Yes, you might even want to take pictures of the elbows or knees and other body parts. This might sound odd, but knowing what the resident was like before entering home will surely let yo u know what kind of care the patient is receiving. (For example, when the patient enters the nursing home with clean, uninjured elbows, and knees or other body parts and they begin to develop sores all over their body, that might be a sign that someone is not doing their job correctly and it might be a sign of gross negligence. 6. Know that you need to bring these sores to the attention of the staff right away and if the staff does nothing, put your complaint in writing immediately. Have family members write for you if you have no access to writing supplies. 7. ALWAYS be persistent. If staff member tells you something that you know is wrong, never doubt yourself, keep on keeping on, and be persistent in your complaints and follow-up. Remember that listening to your own inner instinct is better than listening to staff that is telling you something that is obviously incorrect. Sometimes the staff will stick together and even back up a staff member who is doing wrong. (This does not happen in all places but only happens in the places that have something to hide from the public). 8. Try and use all the recreation props and items that are available at the facility. If there is a recreation room or coffee room that has books or videos or television, take advantage of this room and take advantage of these things. For some of them will bring more joy and happiness into your life. You can meet with other residents there also, so you can become more social ,even while in the nursing home. 9. Always have hope. You know that you are going home; you know that you came there for short-term therapy, so keep that attitude and keep up with your daily therapy. 10. Never be isolated inside a nursing home or rehabilitation center: always have a phone whether a regular phone or cellular phone so that you can always communicate with your family and friends who are outside the facility. If you have a family member inside of a nursing home and you are unable or not allowed to visit, make it your business to telephone the patient to have that patient connected with people outside of the nursing home. When a nursing home isolates a patient it is usually for something that the nursing home is hiding. Most reputable nursing homes will want the family and friends to visit the patients an d residents. I learned from one family member that they were stopped from visiting solely because they reported that the patient has bedsores (that were acquired inside of the nursing home). This is a rehab and care center in Staten Island. Always question why a patient is stopped from having visitors, especially if the patient or family reported bedsores before the visits were stopped. That would seem the obvious reason. 11. Make changes in the place where you are. If you are in a facility and you or your family members are lawyers or journalists or investigators, seek their help in any area of trouble inside the of rehabilitation center or nursing home. If you have a voice , a radio show, then do a radio show right there, from your room in the facility an d speak out. VOICE your opinions. Never sit quietly if things are happening that shouldn't be happening. 12. Connections: Connections are one of the things most vital in your quest for gaining your happiness back. Always connect with people, both inside and outside the rehabilitation center and nursing homes. 13. From time to time during the month, have your priest, rabbi or pastor visit you in the nursing home. Call your community centers and have any of the spiritual people visit you. These visits would be just social visits. Tell them that you lack enough visitors in the daytime and that you would like someone from the church or synogogue to just come and visit with you from time to time. This will let your hospital, medical center or nursing home know that you are not alone and that there are other people concerned about the treatment that you receive. Remember, when you are in nursing homes and in bad rehabilitation and care centers, one of the best safeguards for your health, sanity and well-being is your ability to stay visible, stay heard and to have as many visitors as you can have in any given day or week. Keep up the pace, and try to always have visitors. Always stay visible. That means instead of hiding in your room all day -- go out of your room and be with other people during the day. Be with other residents and with other visitors but just be out there. The more visible you are, the more witnesses you have, the better off you are. Just stay visible and have your family, relatives, friends and co-workers visit you as much as possible for your own health and well-being. Melinda Thomas is presently touring the United States of America in search for information, true stories, inside data on what is happening around the world inside of nursing homes and physical rehabilitation and care centers. The material that she has come across, both through personal inspection, investigation, research and organization, is remarkable in length, content and tear-jerking memories. She hopes that you share your ideas with her as soon as possible. While her subject topics vary from radical consumerism, computers, teamwork and others, she hunts for the truth and the truth is forthcoming.While her subject topics vary from radical consumerism, computers, teamwork and ot hers, she hunts for the truth and the truth is forthcoming. Meanwhile read all the articles and connect with her through her agent at email@example.com
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Little Falls ethanol plant suspends operations
LITTLE FALLS, Minn. (AP) — The high price and low supply of corn has idled an ethanol plant in Little Falls.
The Central Minnesota Ethanol Co-op has suspended operations. The plant's general manager, Dana Persson, says that until they can buy corn or sell ethanol at a better price, it's to their advantage to stop production.
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Davis sidelined for rest of season
CHARLOTTE, N.C. -- The Carolina Panthers lost perhaps their most productive defensive player Monday when tests showed weakside linebacker Thomas Davis has a torn anterior cruciate ligament in his right knee.
Davis' season-ending injury came without getting hit in Sunday's loss to New Orleans. He was backpedaling, stopped to plant and his knee buckled. He crumpled to the turf as Drew Brees threw a 17-yard pass to Pierre Thomas in the fourth quarter.
NFC South blog
ESPN.com's Pat Yasinskas writes about all things NFC South in his division blog.
A serious injury was immediately feared, and it derails the speedy Davis' most successful season in another blow for injury-plagued Carolina (3-5).
"He's played very well. I feel bad for the young man because he's put a lot into it," coach John Fox said before the team revealed the extent of the injury. "He was playing at a high level. It's unfortunate, and I feel bad for him and his family."
Davis, a 2005 first-round pick from Georgia in his fourth season with the Panthers, ranks second on the team behind fellow linebacker Jon Beason with 69 tackles. He also had two sacks and an interception and his teammates had begun talking about him as a Pro Bowl selection.
"This defense is pretty much made for the Will linebacker to be a playmaker," safety Chris Harris said. "Thomas, with his physical skill and ability was making plays left and right. He was having an excellent year, possibly a Pro Bowl-type year."
Davis is the second defensive starter to be lost for the season, joining Maake Kemoeatu (torn Achilles tendon), who went down on the first day of training camp.
Davis missed much of training camp with a sprained medial collateral ligament in the same knee, then sat out the Buffalo game last month with a strained hamstring. The latest injury comes at an inopportune time for Davis, who will be a restricted free agent after the season.
"I feel like that if the Panthers want to bring him back they're not going to hold that against him," defensive tackle Damione Lewis said. "He's really done a great job this year. This has been his best season since he's been in the league."
Landon Johnson, who led Cincinnati in tackles three times over four seasons but has been much less productive in two seasons with Carolina, will likely move into the starting lineup. Johnson had 10 tackles filling in for Davis against the Bills.
"If I end up going in to replace TD it's obviously big shoes to fill," Johnson said. "I just got to go out there and practice as hard as I can."
The Panthers did not immediately place Davis on injured reserve, which would open a roster spot for another linebacker. Reserve James Anderson can also play that position, but linebacker Na'il Diggs said it's impossible to replace Davis.
"I haven't seen another one like him on any team I've played on," Diggs said. "Just flat out crazy talent, crazy athleticism."
Copyright 2009 by The Associated Press
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text:
Saxmundham Railway
previously known as Railway Inn, Refreshment Rooms & Station inn
closed 2009
Station Approach
grid reference TM 385 631
Something we've got wrong about this establishment? Something more you think we should know about it? Please email us
View in Google Earth
last updated 03/04/2014
View in Google Earth
last updated 03/04/2014
An inn whose license has been traced back at least as far as 1877. There was also a beerhouse called the Railway Tavern which is now the Cooper's Dip.
(Most pub, location & historic details collated by Nigel, Tony or Keith - original sources are credited)


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Tag Archives: agile methodologies
The Trojan Retrospective – From Crickets to Conversations
This blog is part of a series on "Agile Trojan Horses – Covert Appetizers for Agile Discovery." This series is intended to help spark conversations that restore focus on agile fundamentals, whet the appetite to discover more about agile, and … Continue reading
Psssst! I Can Get You Fixed Cost AND Fixed Dates!!
I have an offer you can't refuse… You don't have to be afraid, just because I am Sicilian. I am talking about Product Development here, not "garbage collection". I know it frustrates you that all this Agile stuff talks about … Continue reading
Agile is NOT For You
Guest post from Daniel Gullo, Apple Brook Consulting You are talking with two consultants about how to transform your organization into an Agile development company so that you can go faster and keep ahead of your competitors. You explain to … Continue reading
Corporate Values: Really Valuable, or Really Just a Poster?
You hear about the agile values and they seem to make sense, but what the heck is a value system? And how do you use value systems in your daily work? Do your values really help you do your job … Continue reading
Scaling Agile Your Way: Sweet Spots, Challenge and Unfit Zones for SAFe and MAXOS (Part 3 of 4)
In Part 1 of this four-part series, I explained why a cookie-cutter approach will not work as you undertake large-scale agile initiatives. Each agile project developing a product or a solution has a unique context: assumptions, situation, team members and … Continue reading
Scaling Agile Your Way: SAFe vs. MAXOS (Part 2 of 4)
In Part 1 of this four-part blog series, I explained why a cookie-cutter approach will not work as you undertake large-scale agile initiatives. Each agile project developing a product or a solution has a unique context: assumptions, situation, team members … Continue reading
Scaling Agile: How Do You Scale from Projects to Programs?
Guest post by Johanna Rothman of Rothman Consulting Group You have some agile teams who are successful. Good for you! Now you have a strategic project that will require many agile teams to create a program. You know you need … Continue reading
Secret Recipe for Building Self-Organizing Teams
Guest post by Venkatesh Krishnamurthy, Advisor and Curator, Cutter, Techwell, Zephyr Some time back I noticed something odd with an agile team. Team temperature used to be 10 out of 10, and each team member expressed their happiness working on this … Continue reading
With Me It's All or Nuthin'
Forgive me for bringing up show tunes. I love the old musicals. One of the true classics of American theater is the show Oklahoma. I got to thinking about this in a very roundabout way the other day. The song, called … Continue reading
Posted in Agile Adoption, Agile Benefits, Agile Coaching, Agile Development, Agile Management, Agile Methodologies, Agile Project Management, Agile Software, Agile Teams, Agile Testing, Agile Tools, Continuous Integration, Enterprise Agile, Extreme Programming, Iterative Development, Scrum Development, Scrum Methodology, Test Driven Development, Uncategorized Leave a comment
New ScrumMaster Tips
I recently completed a blog on PMs transitioning to a ScrumMaster role. I was inspired to put together a quick blog post for new ScrumMasters after reading a question that was posted to social media. The poster basically wanted to … Continue reading


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Religion & Ethics NewsWeekly | Farmworker Justice | PBS
Duration: 09:21
Program: Religion & Ethics NewsWeekly #1523
Broadcast Date: Feb. 3, 2012
Americans get most of their tomatoes from Florida, but the immigrants--many of them undocumented--who harvest them have to pick two and a half tons a day just to make the minimum wage. The hardships they endure have spurred a campaign to better their lives.Tags:
Religion & Ethics NewsWeekly |... (#1523)
Full Program: HEAL Africa; Farmworker Justice 25:29
Religion & Ethics NewsWeekly... (#1523)
A Christian couple in Congo is bringing hope to women traumatized by war. 08:45
Religion & Ethics NewsWeekly... (#1617)
Our panel of reporters discuss the religion news stories they anticipate in 2013. 24:10
Religion & Ethics NewsWeekly... (#1541)
Full Program: Catholic Bishops: What's at Stake; Female Circumcision; Religious Commitment Ceremony 25:29
Religion & Ethics NewsWeekly |... (#1539)
Should children convicted of murder be sentenced to life without parole? 07:18
Religion & Ethics NewsWeekly |... (#1539)
Watch additional excerpts from our interview about women in theology and ministry. 06:33
Religion & Ethics NewsWeekly |... (#1538)
At the core of ethical labor relations is the concept of human dignity. 09:06
Religion & Ethics NewsWeekly... (#1136)
What's the best way for the US to help the hungry? 08:14
Religion & Ethics NewsWeekly |... (#1537)
Full Program: Churches and the Disabled; Social Entrepreneur Mechai Viravaidya; Masters of Mercy 25:29
Religion & Ethics NewsWeekly |... (#1537)
More and more congregations have learned how to value people with disabilities. 08:33
Religion & Ethics NewsWeekly |... (#1537)
His bottom-up reforms in rural Thailand are getting results. 09:03
Religion & Ethics NewsWeekly |... (#1230)
He discusses Iraq, Afghanistan, the moral lessons of war, and US foreign policy. 09:01
Religion & Ethics NewsWeekly |... (#636)
This Catholic charity provides housing and jobs to the mentally challenged. 08:37
Religion & Ethics NewsWeekly... (#420)
A special church service for the deaf allows them to worship and praise together. 07:16
Religion & Ethics NewsWeekly... (#939)
He found his calling creating homes where the mentally disabled could live in dignity. 08:31
Religion & Ethics NewsWeekly |... (#1244)
Faith Communities and Disability 08:38
Religion & Ethics NewsWeekly... (#606)
We visit a tent revival, where the open air seems to encourage religious fervor. 06:17
Religion & Ethics NewsWeekly |... (#1536)
Can we really assess the ethics underlying secret US drone attacks? 04:24
Religion & Ethics NewsWeekly |... (#1536)
Watch an extended conversation about the use of drones with Professor Stephen Carter. 09:12
- Watch more video from this program
Post Date: February 3, 2012


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Regional DUI task force increases presence
In a continuing effort to end the problem of impaired driving, North Dakota law enforcement agencies are providing unified enhanced enforcement, according to a release.
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Distinguished by a new, more contemporary front-end appearance, the 2016 GMC Terrain and Terrain Denali were introduced today, ahead of their public debut at the New York International Auto Show. Read More
Will getting up close and personal with a 2015 Chevrolet car or crossover change a non-Chevy owner's opinion of the brand? A new marketing campaign beginning April 1 called, "Real People, Not Actors," seeks to answer that question – and to capture people's reactions on video.Read More
For the all-new, 2016 Chevrolet Camaro, the team was challenged to improve the handling, acceleration and fuel economy of the award-winning current model.Read More
To the designers of the Buick Avenir concept, light-emitting diodes, or LEDs, are more than just an energy-efficient method of illuminating the road ahead – they are an advanced way to accentuate an already striking design as it rolls down the road.Read More
Looking over your car in the spring is a lot like facing the mirror after a night of insomnia. Thank the winter of 2014-15, when few parts of the country were spared the snow, ice, frigid temps and, now – potholes – that sap strength from batteries and chew up suspensions.Read More


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Man Shot Dead At NSA Gate Identified
Posted: 03/31/2015 - The FBI publicly identified the man who died Monday while trying to use an unauthorized vehicle tried to gain access to the National Security Agency campus in Maryland.
Posted: 03/31/2015 - The FBI publicly identified the man who died Monday while trying to use an unauthorized vehicle tried to gain access to the National Security Agency campus in Maryland.
Posted: 03/31/2015 - It might sound like a really old wives' tale, but a thousand-year-old Anglo-Saxon potion for eye infections may hold the key to wiping out the modern-day superbug MRSA, according to new research.
Posted: 03/30/2015 - Roughly half of Americans are saving 5% or less of their incomes, including 18% that are not saving anything, according to a survey from Bankrate.
Posted: 03/30/2015 - Arizona Gov. Doug Ducey has vetoed legislation requiring law enforcement agencies to keep the names of officers involved in shootings secret for two months.
Posted: 03/30/2015 - The Lincoln Motor Company, Ford's luxury division, unveiled a big, richly-appointed, luxury car called the Continental in New York City Monday.
Updated: 03/30/2015 - One person is dead, and two more were hospitalized after an unauthorized vehicle tried to gain access to the National Security Agency campus in Fort Meade, Maryland, according to the NSA.
Posted: 03/28/2015 - Talks trying to seal a nuclear deal with Iran have turned tough and, negotiators say, very serious in the past 24 hours, CBS News' Margaret Brennan reports from the site of the talks in Lausanne, Switzerland.
Updated: 03/28/2015 - A woman identifying herself as the ex-girlfriend of the man accused of crashing Germanwings Flight 9525 into the French Alps told Germany's leading tabloid that he said one day he would "do something" and then "everyone will know my name."
Posted: 03/27/2015 - A mother of three is being investigated after she left her sons -- ages 2, 4 and 6 -- in a car on a 30-degree day while she took care of some financial paperwork inside a public library, reports CBS Detroit.
Posted: 03/27/2015 - A federal jury has found that a South Dakota hospital is not liable in a case in which a man claimed health care workers carved the letters "KKK" into his stomach during heart surgery in 2011.
Updated: 03/27/2015 - What better way is there to wrap up another work week with a little weirdness like pink chickens.
Posted: 03/27/2015 - The rescue workers battling to gather the pulverized pieces of Germanwings Flight 9525 and the remains of the 150 people on board must contend with high winds as well as treacherous terrain.
Posted: 03/27/2015 - Senate Minority Leader Harry Reid said Friday he won't seek reelection in 2016, a surprise move that's certain to open a fierce battle for his seat as well as a fight to lead the Democratic party in the chamber.
Updated: 03/27/2015 - Two people still remain unaccounted for following an explosion Thursday at a building in Manhattan, two New York police sources said.
Posted: 03/26/2015 - On Feb. 24, a California lawyer named Matt McLaughlin submitted a proposed ballot initiative to the state attorney general's office that called for executing gay citizens.
Updated: 03/26/2015 - An explosion rocked a heavily traveled section of Manhattan's East Village on Thursday, injuring at least a dozen people and leveling parts of a building, authorities said.
Posted: 03/26/2015 - Details are slowly emerging Thursday about the 28-year-old German co-pilot who officials believe purposely crashed Germanwings Flight 9525.
Posted: 03/26/2015 - Who is Ted Cruz? Here's a look at the life of Ted Cruz, Republican Senator of Texas and announced 2016 presidential candidate.
Updated: 03/26/2015 - A third American has been identified in the Tuesday crash of a Germanwings airplane.
Posted: 03/25/2015 - The cockpit voice recorder from the wreckage of Germanwings Flight 9525 indicates one of the pilots was locked out of the cockpit before the plane crashed.
Posted: 03/25/2015 - Bergdahl will face a court martial on one count of "desertion with intent to shirk hazardous duty," as well as a charge of misbehavior before the enemy.
Updated: 03/25/2015 - At least one person was killed Wednesday when either a tornado or straight-line winds ripped through a mobile home community in Oklahoma, said Maj. Shannon Clark with the Tulsa County Sheriff's Office.
Posted: 03/25/2015 - If you're one of the 117 million people who've shopped at RadioShack in recent years, your data is up for auction on Thursday.
Updated: 03/25/2015 - Yvonne Selke and her daughter, Emily, were aboard the Germanwings Barcelona-to-Dusseldorf flight that crashed in the French Alps on Tuesday.
Posted: 03/24/2015 - Accused bomber Dzhokhar Tsarnaev told college officials he couldn't concentrate on his studies because he had "lost too many" loved ones in Chechnya.


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I'm a speech therapist, working in a children's hospital in Vienna, Austria, with a special focus on neurological impaired children.
I'm into indie- and electronic music, I also do a bit music myself. I also like arts, especially pop- and street-art.
I love snowboarding, skateboarding and soccer, which is called "Fussball" at my place. ;-)
I'm a quite outgoing person, three very important life-keywords for me are: authenticity, reflection and love. I love nature and I think the small things are the ones, that sometimes can mean the most.


text:
Originally written on The Cardinal Nation blog | Last updated 11/16/14
As I went through my final edit of my previous article about Matt Adams' playing time blockage with the St. Louis Cardinals, I expanded the section at the end just before posting. To be honest, my motive was to address several other articles I had read recently that offered up hope that the arrival of the designated hitter in the National League would occur soon enough to provide a solution for Adams' playing time need with the Cardinals. That does not seem to be the case. A symptom of my doing that extra writing was a re-opening of the long-festering wounds caused by the DH. In the comments section of the earlier post, Lou Schuler posed a number of related thoughts. As my response grew in length, I decided to turn it into its own post. My summary of Lou's key points: He wishes the NL would adopt the DH. Because baseball uses the DH at all levels, MLB pitchers are unprepared to hit. Precious MLB outs are wasted on unproductive hitters. Having no DH forces older...
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Pronunciation: hví
Added on: 2014-05-03 Listened: 106 timesin: Add categories to hví
Pronunciation in Icelandic [is]
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Could you do it better? different accent? Pronounce hví in Icelandic
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by Google Translate English translation:
hví = why
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Group Discussions
"News to Note" & Forward
Obama Investment Team Under Federal Investigation???
3 years ago| "News to Note" & Forward
What kind of leadership do you call this?
I wonder how much Obama will make off the 'American Jobs Act'!?!?
Obama Team Backed $535 Million To Solyndra Solar Company, As Auditors Warned Of Troubled Finances
PinkMindy - 2 hours ago - bloomberg.com
A federal investigation has been launched into this Obama Team stimulus investment using tax payer's monies, as financial auditors were warning of possible bankruptcy, which has caused everyone to scratch their heads and ask "Where is the $535M???".


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According to Tracey De Jager, resident district manager for Chartwells at Florida Atlantic, Sean has made a difference by developing the Captain Flex mascot campaign and increasing declining balance...
09-22-2011 People in Foodservice
Jenna Kaczmarski, R.D, has chaired the local wellness policy committee and served on the Florida School Nutrition Association's nutrition committee, says Marcia Smith, food service director of Polk County (Fla.) Schools. Kaczmarski is also responsib
09-21-2011 People in Foodservice
For the past three years, Eric Haney has been working for Cal Dining, where he started as a sous chef and quickly worked his way up to become the executive chef at the Foothill Dining Commons, says Mike Laux, assistant director of administration services.
08-22-2011 People in Foodservice
The first attribute of Samantha Martin's that really stood out to me was not just that she picked things up very quickly, it was that she subtly enhanced our processes as opposed to just following the status quo, says Michael Atanasio, manager of fo
As marketing manager/café supervisor for Bon Appétit at Stanford Graduate School of Business in Palo Alto, Calif., Shannon Donahue has the unique ability to support and innovate in multiple arenas, says Maisie Greenawalt, vice president of m
07-15-2011 People in Foodservice
Danielle Fanter was hired as a server, which I believe sparked her interest for the love of food, says Robert Darrah, food service director at Legacy Retirement Communities in Lincoln, Neb. Recognizing her raw talent and desire to succeed, she was promote
Autumn Ryder began with us as a student employee who was quickly promoted because she is organized, shows initiative and is enthusiastic, says Rich Neumann, director of dining services at Ohio University. Autumn manages our largest dining hall and is resp
06-23-2011 People in Foodservice
Matthew Vasquez is a superb team player. He is always available when you need him to assist the team or region. He has the client relationship building and operational knowledge and knows how to balance the client needs with the company needs, says R.T. W
Daisy Cardenas, principal supervisor at UCLA Medical Center in Los Angeles, oversees 43 employees in the Dining Commons Cafeteria; 15 of those employees are under her direct supervision. Cardenas is a take-charge person who presents creative ideas and can
05-24-2011 People in Foodservice
USC's Travis Summers is currently the youngest of five senior managers who oversee all 41 USC Hospitality locations. Travis is responsible for more than 175 employees daily and is in charge of the remodel at the health sciences campus, which includes
What's New
According to Tracey De Jager, resident district manager for Chartwells at Florida Atlantic, Sean has made a difference by developing the Captain Flex mascot campaign and increasing declining balance sales.
Industry News & OpinionView All
Officials determined that a larva found in one student's fruit cup was likely introduced during the canning process...
Managing Your BusinessView All
A recent survey of its members by the School Nutrition Association revealed that many operators are facing moderate to serious challenges in meeting the stricter nutritional requirements set by the U.S. Department of Agriculture.
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Healthy Mexican
F&W's Mad Genius Tips and More Featured Video
Editors' Favorite Slideshows
CommentsAdd A Comment
Add a Comment
Pork and Tomatillo Stew
This spicy Mexican-style stew is loaded with vegetables, including carrots, an excellent source of vitamins A and K. Andrew Murray makes it for his employees around harvest time. "It's our comfort food at the winery," he says. "And it's a nice excuse to stop for a few minutes and eat together, even when we're busy."


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Thimerosal Does Not Cause Autism 298
from the nice-theory-though dept.
We've improved Slashdot's video section; now you can view our video interviews, product close-ups and site visits with all the usual Slashdot options to comment, share, etc. No more walled garden! It's a work in progress -- we hope you'll check it out (Learn more about the recent updates).
Cite or get off the pot. Speaking of which, I would suggest this paper [ehponline.org] and this paper [informaworld.com] as a good start. There is major concern from Thimerosal toxicity in long term treatments, such as blood plasma programs, due to the introduction of more Thimerosal to the system then ethylmercury, the type of mercury that Thimerosal becomes, can be cleared. However, there seems to be more risk from dental amalgam then a single vaccination. Concern should be for long term series, such as a long term gamma globulin series, which is becoming rare.
Autism symptoms don't develop at 2 months, the time when the first vaccine is mandated.
Or, heck, even at birth, now that Hep-B shots before leaving the hospital are all the rage.
With "factual analysis" by morons like you backing them up, it's little wonder crap statistical analyses like "this doesn't cause Autism" is the major focus, when spending the money on finding out what *does* cause it would be real science, but that ain't happenin'.
If you had half a brain cell to rub together, you might also be interested in this article, which has not been refuted by anyone.


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Past Polls
Fireworks: Love 'em or hate 'em?
It's that season again: fireworks time. How do you feel about them?
Teen smoking
A recent study found that 22 percent of teenagers smoke cigarettes. Does your teen smoke?
What's your favorite part of summer vacation?
It's June, and summer vacations are bustin' out all over! What's your favorite part of the summer?
Should pregnant women get special parking spots?
You've seen them at Jefferson Pointe, Glenbrook and other shopping areas: close-up parking spots with signs for pregnant women. Is this fair?
When is your child old enough for a cell phone?
Memorial Day weekend
How will you celebrate Memorial Day weekend?
How often do you exercise?
How old were you when you had your first child?
Teen smokers
A recent study found that 22 percent of American teens smoke cigarettes. Is your teen among them?


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If you are a beginner blogger and want to meet other beginner bloggers this is the perfect group for you. You can learn from each other and offer support while each of you learns the blogging ropes.
Members: 373
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Home →
→ Advice & News
| Advice & News
Parents of children with developmental disabilities know just how difficult, and at times overwhelming, it can be to secure an accurate diagnosis for your child. As a parent, you want to be confident that your child is getting the right educational and therapeutic services for his or her specific needs. Diagnosing a young child can be especially tricky since many diagnoses have overlapping characteristics. It is not unusual for diagnoses, especially those of autism and attention deficit disorder (ADD), to change over time as children develop, mature, and respond to intervention.
Here are some suggestions for parents trying to secure an accurate assessment:
Your child's educational and therapeutic plan should be based upon your child, not your child's diagnosis. A diagnosis may assist in understanding your child and his or her needs; however, specific treatment should be based upon your child's strengths, weaknesses, and developmental needs.
Keep in mind that any diagnosis must be based upon a thorough evaluation. A short five-minute office visit and only a brief parent interview are not sufficient and may result in a misdiagnosis.
If you are not confident in the diagnosis or if you have seen significant changes over time, then you should see a new doctor for another opinion.
Ask questions and research your child's diagnosis independently. Parents whose child has been diagnosed with a developmental disability may be wondering where to go from there. The bottom line is: Your child's progress should be constantly monitored. You should pay specific attention to the areas of language and communication, interpersonal skills, affective and emotional growth, fine/gross motor development, and academic skills and achievement. You should also be attuned to your child's "adaptability." Pay attention to how your child responds to different environments, novel situations, and change in general. In time, you may see your child's abilities improve.
Parents and caretakers should also keep an eye out for areas of a child's development that are extreme or atypical. For example, is your child very sensitive to sound, not sufficiently responsive to sounds, or atypically responsive? Any significant changes in a child's behavior or developmental progress should be attended to and discussed with the child's school, therapists, and/or physician.
For example, I worked with a boy named John,* who was diagnosed with autism when he was 2 years old. After two years in school, his family came to visit me to discuss their child's diagnosis. After observing John in my office, performing an extensive interview with his parents, observing him in a classroom setting, and getting a report from his teacher, it was clear that John did not satisfy the diagnostic criteria for autism or any autistic spectrum disorder (e.g., Asperger's Syndrome, PDDNOS). It's difficult to discern if John was misdiagnosed when he was 2 years old or if maturation and responsiveness to intervention resulted in the change.
My experience with John and his family demonstrates that parents must constantly challenge all members of the team to collaborate and modify treatment to address the dynamic needs of their child. By being your child's biggest advocate and keeping up with your child's development through monitoring, you'll put yourself in a good position to determine whether your child's diagnosis has changed and to gauge whether treatment and intervention are helping him or her.
*Name changed
Jay M. Silverstein, Ph.D., serves as director of children's services at Block Institute, a not-for-profit, non-sectarian agency serving developmentally delayed children and adults in Brooklyn.
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no problem.
Would it not be grand if that interstate reciprocity bill had passed recently instead of being lost by only two lousy votes? That would have meant that ANY concealed carry permit would have been recognized in all states. Just too much balogna for those of us that travel interstate regularly.


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NFL Nation
Print without images
Friday, March 23, 2012
Saturday, Diem, Pollak move on from Colts
By Paul Kuarsky
We didn't expect any of them to return to the Colts, but official departures are still of note.
Three former Indianapolis offensive linemen are moving on.
ESPN reports
Jeff Saturday
has a deal
with Green Bay.
Ryan Diem
is retiring
Mike Pollak
has signed
with Carolina. It didn't appear the Colts had any interest in re-signing any of them. Saturday and Diem were instrumental pieces to the team's success during the
Peyton Manning
The Colts are in an
offensive line transition
. They're going bigger, and they are going newer.
Too many people presumed Saturday would automatically wind up with Manning in Denver.
So far, Denver's notable addition from the AFC South wasn't one of Manning's former Colts tight ends --
Dallas Clark
Jacob Tamme
-- but Houston free agent
Joel Dreessen
The Titans suffer two shots here, as they were courting both Saturday (with center a big need) and Dreessen (with tight end not nearly as big an issue.)


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Showing 362 Results for new york yankees
A-Rod in Yankees Lineup Monday….But….
Major League Baseball Lets Union Know of Penalties
The public may not know, and the media can only speculate.
But according to a report, the Major League Baseball Players Association has been told which players are going to be suspended in connection with the biogenesis scandal and what those penalties will be.
The two sides are still negotiating deals that would spare grievance hearings, but the news cou
Could A-Rod Be Banned For Life?
Jeter Returns, Homers for Yankees
Derek Jeter started his second comeback of the season with a bang.
On the first pitch in his first at bat, Jeter homered to the opposite field, earning a standing ovation from the crowd in the Bronx.
It was the first home run hit by a right handed hitter for the Yankees in over a month. The Yankees avoided a sweep by Tampa Bay
Soriano Headed Back to Yankees
Rangers Present Mariano Rivera With Texas-Sized Gifts – VIDEO
This Weekend in Sports: NASCAR at the Brickyard and UFC on Fox 8
Source: Yanks Plan A-Rod Discipline
George Brett's Pine Tar Incident, Celebrated And Reviewed [Video]
Today marks the 30 year anniversary of the pine tar incident with George Brett. Rookie umpire Tim McClelland incorrectly ruled the amount of pine tar on George Brett's bat exceeded the allowable amount. This wiped off a two-out, two-run homer Brett hit off Yankees closer Goose Gossage that appeared to give the Royals a 4-3 lead. What happened next is one of the most memorable and famous player tirades in MLB history.


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Party Band North West. Dave Speakman Band – function band for your events across Manchester South.
Lots of great music
A set list that appeals to all types of events and parties.
Very adaptable 'live' music.
As seen at the Nantwich Jazz and Blues Festival.
Ideal for all
when you're partying at home.
Dave Speakman Band
Dave Speakman Band Showcase by Entertainers Worldwide on Mixcloud
Book an entertainer today by filling in the form below with full details of the event you're planning. Please give us as much information as possible – including an indication of your budget. The band is recommended by Spot On Entertainment Ltd. Function Band enquiries always welcome on the office line 0161 374 5398 Entertainers In The UK


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MakersThe Crown Publishing Group 2012; US$ 16.00
Wired magazine editor and bestselling author Chris Anderson takes you to the front lines of a new industrial revolution as today?s entrepreneurs, using open source design and 3-D printing, bring manufacturing to the desktop.� In an age of custom-fabricated, do-it-yourself product design and creation, the collective potential of a million garage tinkerers... more...
Project ManagementWiley 2013; US$ 99.00
The bestselling project management text for students andprofessionalsnow updated and expanded This Eleventh Edition of the bestselling "bible" ofproject management maintains the streamlined approach of the prioreditions and moves the content even closer to PMI's ProjectManagement Body of Knowledge (PMBOK). New content has been added tothis... more...
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Explaining how to implement and sustain a top-down strategy for manufacturing excellence, The 12 Principles of Manufacturing Excellence: A Leader?s Guide to Achieving and Sustaining Excellence provides a comprehensive, proven approach for delivering world-class performance while also cultivating the right culture through leadership and mentoring.... more...
Lean TPMElsevier Science 2015; US$ 101.00
Lean TPM is an accessible, step-by-step guide designed to help you increase manufacturing efficiency through continuous improvement. Based on their experience of working with organizations that have successfully achieved outstanding performance, McCarthy and Rich provide the tools and techniques�required�to convert strategic vision into practical... more...
Industrial Engineering and Manufacturing TechnologyCRC Press 2015; US$ 269.95
The 2014 International Conference on Industrial Engineering and Manufacturing Technology (ICIEMT 2014) was held July 10-11, 2014 in Shanghai, China. The objective of ICIEMT 2014 was to provide a platform for researchers, engineers, academics as well as industry professionals from all over the world to present their research results and development... more...
Chemical Process EquipmentElsevier Science 2005; US$ 240.00
Comprehensive and practical guide to the selection and design of a wide range of chemical process equipment. Emphasis is placed on real-world process design and performance of equipment. Provides examples of successful applications, with numerous drawings, graphs, and tables to show the functioning and performance of the equipment. Equipment rating... more...
Ethics, Tools and the EngineerTaylor and Francis 2001; US$ 79.95
Modern society faces two problems: the development of acceptable methods for the introduction of new and powerful tools and the need for a trustworthy, universally applicable ethical system. Part of the problem may be attributed to the lack of a reliable system of ethics that can be brought to bear on the issues of new biotechnology, information technology,... more...
Distillation Theory and its Application to Optimal Design of Separation UnitsCambridge University Press 2004; US$ 48.00
This book, first published in 2004, presents a clear multidimensional geometric representation of distillation theory which has wide application. more...
Welding RobotsSpringer 2006; US$ 189.00
Presents an overview of robotic welding at the beginning of the century. This book talks about welding technology; sensors and sensing techniques; industrial robotic welding systems; and actual industrial application of modern-day robotic welding techniques. It is useful for students of robotics and manufacturing engineering. more...
Chemical Engineering DesignElsevier Science 2005; US$ 71.95
Chemical Engineering Design is one of the best-known and widely adopted texts available for students of chemical engineering. It deals with the application of chemical engineering principles to the design of chemical processes and equipment. Revised throughout, the fourth edition covers the latest aspects of process design, operations, safety, loss... more...