Unless it's a toxic environment, talk it over and help lead a transition during your lame duck period. Many companies have special budget/HR provisions to hire successors to retirees before they leave and they're separate from the normal resignation procedure. Your boss may have an easier time replacing you as a retiree than if you simply resigned and will probably appreciate the things you do to ease his or her pain. Take charge of bringing that person up to speed.
There may be opportunities to come back part time when you find yourself getting bored. Keep in touch and don't burn bridges! People often think of retirees from their company differently than people that just left for somewhere else. Co-Worker Emeritus.
That appreciation is due to low interest rates. People buy based on a monthly payment, not the top line price. As interest rates rise, the purchase price possible with a given monthly payment will drop. Houses stop appreciating in value, at best, or perhaps even start falling.
This sort of article is rarely objective. The people beating the drum most often about the necessity of homeownership are people like real estate agents and mortgage brokers. In the linked article, the interview is with the CEO of a paint company. They make their money from home improvement projects - something less frequent in a rental property. In reality, the purchase vs rent question is closer to 1:1. Here are some of the disadvantages of owning a house.
1. Not an investment, it is a capital asset - over the long term housing tracks inflation almost exactly
2. Highly illiquid asset
3. Variable maintenance costs and also depreciates in value over time
4. Most people will have a large portion of their net worth tied up in a single asset, increasing risk
5. Substantial costs to buy and sell the house, in the form of broker fees, etc.
I'm sick to death of the creeping virus that is the term "app". This abbreviation should be reserved for toy software that costs at most $1.99.
Call your software an "Application", "Program", or "Software". It will be taken more seriously, and if relevant for your distribution model, you'll be able to charge more for it.
I've even seen options making up a 5-figure CAD system referred to as "apps" by marketing people. No. They're "Modules", or "Components". This is professional software and you should treat it as such.
Perhaps this is just a ploy to boost the perceived importance of the B-52 to help justify a budget for its re-engining program?
https://youtu.be/vHdIRwKtnig
I'm surprised this wasn't noticed earlier, if, in fact, the changes were substantial. All of the companies described in the summary have their own materials and finished component testing labs to verify strength, fatigue life, hardness, corrosion resistance, and so on. This is both to check incoming raw material and subsequent processing steps. No one in safety-critical industries trusts the word of a vendor without significant quality control agreements and auditing programs.
You may or may not save money by buying. The cost of the loan/lease could be less than the return on having the capital you'd use to purchase outright invested elsewhere. For example, borrowing money to purchase a car at 0% is better than paying cash since your cash can return 2.5% in a bond fund. However, for most of us this probably makes us more likely to buy something we shouldn't have at all.
"cheaper to buy" is complicated. Capital that's tied up into an asset might instead generate a greater return elsewhere than the cost of rent. It may not, too,
I disagree about your numbered points.
#1. Spending on real assets (security) is preferable but not relevant to the decision about whether to take out a loan. Never borrow for goods or services for which you can't afford to pay outright, and only if the cost of the loan is less than the return (including volatility) of your position. In other words, if you must take out a loan, you can't afford it. (with the possible exception of a house and medical emergencies). This takes significant discipline.
#2. People who found themselves upside-down on a house in 2008, while perfectly capable of making mortgage payments, should have immediately sold that house at a loss? No. Unless in dire financial straits, sell an item only when its utility is less than the capital tied up. Excess money owed on a loan for this item is irrelevant unless the entire loan is called upon sale and you cannot meet the call.
You're absolutely right about unsecured debt.
Bill's wealth is far more diversified than Bezos' . Only a small percentage is now in Microsoft stock, while almost all of Jeff's is in Amazon. The potential volatility of Amazon's stock price makes Bill's wealth much more valuable in real-world terms than Jeff's.
No. Everyone will keep on having to work just as much as before, except the portion of people in pointless occupations will increase. Yoga instructors, market managers, employee engagement consultants, telephone sanitizers....
There's a realistic solution to this. Duplicate the trackball encoder pulses and button with a microcontroller. Attach a keyboard to said microcontroller. Map encoder counts to a screen key position map in the code. When a key is pressed, output the appropriate number of x-y pulses based on the from-to position in the map and push the button. Include increment/decrement buttons to allow adjustment for offsets from various sources, such as accumulating rounding errors between the screen and encoders.
Now I get to look forward to co-workers being further tricked into influencing me.
As an engineer, I've come to realize that the only mission of a salesman is to manipulate your otherwise objective decision making in their favor. ("Objective" to the extent possible for a human). Where possible, I no longer accept sales calls or meetings with sales. Sometimes, it's hard to let go of the feeling I'm being rude. Companies who don't have a hard-boiled, experienced purchasing person doing most of the talking during major buying efforts are fools. Unfortunately, this is the exception rather than the rule.
Discussions such as these are based on the false assumption that productivity, employee retention, and cost drive office layout shemes. Instead, the purpose is for executives to be seen as superior to the regular employees, *in particular* the high performance individual contributors. HPE's are to be shown off and bragged about like one's fine art collection but must be perceived as a servant, or better yet, an inanimate object. When an executive is hosting guests, his importance must be perceived to be as high as possible, and this means having an office that's seen to have far more comfort, luxury, and exclusivity than everyone else. If productivity is reduced, so be it, since the executive will have long since collected his bonus and moved on to the next company.
The damage is the fault of the port design, not the cable. The port should be able to handle short circuits, switched wires, and incorrect power control signals without permanent damage. What if the perfectly approved Apple cable has been chafed and is now shorted to ground? Fail gracefully.
Convert your videos to multiple media types so that it's more likely they'll survive for years to come. The more analog, the better. Focus on the audio part first.
Video to Super8 or 16mm movie film (might be cost prohibitive)
Audio track to mp3 (better yet, record simultaneously using a separate device)
Audio track to cassette tape
Audio track to vinyl record
Printed photograph of you recording the videos
Speech-to-text and print on paper. Do this if nothing else.
Content advice:
Family history
Stories from your childhood and life to this point. Include mistakes and regrets.
Stories about her from infancy to present
Financial, legal, friendship, and relationship advice. Start with optimism but include tough truths about how the world really is, to be viewed or read in high school or college.
Encouragement to be your own person. Reflect on the opinions of you, her mother, teachers, pastors, supervisors, etc., but in the end do what you feel is right.
It would make sense that Theia would have a composition very similar to earth if it formed in the same orbit at one of the Lagrangian points.
http://arxiv.org/abs/astro-ph/...
I used to worry about that, but, for books, I realized I just don't care. Only novels are acceptable for me to read on a Kindle. Technical materials must be in paper form or PDF. Once I've finished reading a novel, with very few exceptions, I'll never read it again. If I do, I'll find a hard copy. Life is too short for obsessive hoarding.
Also: Not just power tools - hammering nails or anything else. Sharp blows are terrible for your hearing because your inner ear bones don't have time to adjust and attenuate the signal.
I would like to be married with children but am not. I have chosen to rent and invest the difference. Obviously I have made some "sacrifices". I also receive zero tax credits and writeoffs.
My point was to treat savings as a necessary expense on par with food, health care, and basic shelter. If something will cut into your savings rate, such as a larger house, a nicer car, or HBO, YOU CAN'T AFFORD IT. I know I must be prepared for opportunities in tech to be more scarce once I reach age 50. I don't view this as a plan to get rich. This is a plan to avoid being poor.
This is certainly achievable for a technical professional. I've done it. I'm close to the million dollar threshold at age 40, and have done it while working solely at "competitive pay" (HR-speak), non-management, no-stock-option jobs. The secret? Save 20% or more of my income and start saving on day one out of college. My first job paid $50k but I treated it like $40k. I don't have cable. I don't drive a fancy car. I don't take out loans to buy things.
Barring a major life calamity, I can now coast the rest of the way if needed.
Slashdot Mirror
I can think of a number of things to put forward as a potential contributor to increased cancer risk in flight attendants.
Kerosene fumes
Frequent pressure changes and the effect on various vesicles and membranes
Constant disruptions of circadian rhythms
Unless it's a toxic environment, talk it over and help lead a transition during your lame duck period. Many companies have special budget/HR provisions to hire successors to retirees before they leave and they're separate from the normal resignation procedure. Your boss may have an easier time replacing you as a retiree than if you simply resigned and will probably appreciate the things you do to ease his or her pain. Take charge of bringing that person up to speed.
There may be opportunities to come back part time when you find yourself getting bored. Keep in touch and don't burn bridges! People often think of retirees from their company differently than people that just left for somewhere else. Co-Worker Emeritus.
But always be prepared to be shown the door.
That appreciation is due to low interest rates. People buy based on a monthly payment, not the top line price. As interest rates rise, the purchase price possible with a given monthly payment will drop. Houses stop appreciating in value, at best, or perhaps even start falling.
A dividend focus is no longer valid. Companies are turning to stock buybacks as the method to return capital to shareholders instead.
This sort of article is rarely objective. The people beating the drum most often about the necessity of homeownership are people like real estate agents and mortgage brokers. In the linked article, the interview is with the CEO of a paint company. They make their money from home improvement projects - something less frequent in a rental property. In reality, the purchase vs rent question is closer to 1:1. Here are some of the disadvantages of owning a house.
1. Not an investment, it is a capital asset - over the long term housing tracks inflation almost exactly
2. Highly illiquid asset
3. Variable maintenance costs and also depreciates in value over time
4. Most people will have a large portion of their net worth tied up in a single asset, increasing risk
5. Substantial costs to buy and sell the house, in the form of broker fees, etc.
I'm sick to death of the creeping virus that is the term "app". This abbreviation should be reserved for toy software that costs at most $1.99.
Call your software an "Application", "Program", or "Software". It will be taken more seriously, and if relevant for your distribution model, you'll be able to charge more for it.
I've even seen options making up a 5-figure CAD system referred to as "apps" by marketing people. No. They're "Modules", or "Components". This is professional software and you should treat it as such.
The establishment wants you to go sit in the bar for a while and spend extra money on drinks before being seated.
Perhaps this is just a ploy to boost the perceived importance of the B-52 to help justify a budget for its re-engining program? https://youtu.be/vHdIRwKtnig
I'm surprised this wasn't noticed earlier, if, in fact, the changes were substantial. All of the companies described in the summary have their own materials and finished component testing labs to verify strength, fatigue life, hardness, corrosion resistance, and so on. This is both to check incoming raw material and subsequent processing steps. No one in safety-critical industries trusts the word of a vendor without significant quality control agreements and auditing programs.
You may or may not save money by buying. The cost of the loan/lease could be less than the return on having the capital you'd use to purchase outright invested elsewhere. For example, borrowing money to purchase a car at 0% is better than paying cash since your cash can return 2.5% in a bond fund. However, for most of us this probably makes us more likely to buy something we shouldn't have at all.
"cheaper to buy" is complicated. Capital that's tied up into an asset might instead generate a greater return elsewhere than the cost of rent. It may not, too, I disagree about your numbered points. #1. Spending on real assets (security) is preferable but not relevant to the decision about whether to take out a loan. Never borrow for goods or services for which you can't afford to pay outright, and only if the cost of the loan is less than the return (including volatility) of your position. In other words, if you must take out a loan, you can't afford it. (with the possible exception of a house and medical emergencies). This takes significant discipline. #2. People who found themselves upside-down on a house in 2008, while perfectly capable of making mortgage payments, should have immediately sold that house at a loss? No. Unless in dire financial straits, sell an item only when its utility is less than the capital tied up. Excess money owed on a loan for this item is irrelevant unless the entire loan is called upon sale and you cannot meet the call. You're absolutely right about unsecured debt.
Bill's wealth is far more diversified than Bezos' . Only a small percentage is now in Microsoft stock, while almost all of Jeff's is in Amazon. The potential volatility of Amazon's stock price makes Bill's wealth much more valuable in real-world terms than Jeff's.
No. Everyone will keep on having to work just as much as before, except the portion of people in pointless occupations will increase. Yoga instructors, market managers, employee engagement consultants, telephone sanitizers....
There's a realistic solution to this. Duplicate the trackball encoder pulses and button with a microcontroller. Attach a keyboard to said microcontroller. Map encoder counts to a screen key position map in the code. When a key is pressed, output the appropriate number of x-y pulses based on the from-to position in the map and push the button. Include increment/decrement buttons to allow adjustment for offsets from various sources, such as accumulating rounding errors between the screen and encoders.
Now I get to look forward to co-workers being further tricked into influencing me. As an engineer, I've come to realize that the only mission of a salesman is to manipulate your otherwise objective decision making in their favor. ("Objective" to the extent possible for a human). Where possible, I no longer accept sales calls or meetings with sales. Sometimes, it's hard to let go of the feeling I'm being rude. Companies who don't have a hard-boiled, experienced purchasing person doing most of the talking during major buying efforts are fools. Unfortunately, this is the exception rather than the rule.
If we completely rewrite this old, messy, patched-up code, the new code will be better-architected, well-documented, and bug-free.
Discussions such as these are based on the false assumption that productivity, employee retention, and cost drive office layout shemes. Instead, the purpose is for executives to be seen as superior to the regular employees, *in particular* the high performance individual contributors. HPE's are to be shown off and bragged about like one's fine art collection but must be perceived as a servant, or better yet, an inanimate object. When an executive is hosting guests, his importance must be perceived to be as high as possible, and this means having an office that's seen to have far more comfort, luxury, and exclusivity than everyone else. If productivity is reduced, so be it, since the executive will have long since collected his bonus and moved on to the next company.
The damage is the fault of the port design, not the cable. The port should be able to handle short circuits, switched wires, and incorrect power control signals without permanent damage. What if the perfectly approved Apple cable has been chafed and is now shorted to ground? Fail gracefully.
I want them alive. No disintegrations!
Convert your videos to multiple media types so that it's more likely they'll survive for years to come. The more analog, the better. Focus on the audio part first. Video to Super8 or 16mm movie film (might be cost prohibitive) Audio track to mp3 (better yet, record simultaneously using a separate device) Audio track to cassette tape Audio track to vinyl record Printed photograph of you recording the videos Speech-to-text and print on paper. Do this if nothing else. Content advice: Family history Stories from your childhood and life to this point. Include mistakes and regrets. Stories about her from infancy to present Financial, legal, friendship, and relationship advice. Start with optimism but include tough truths about how the world really is, to be viewed or read in high school or college. Encouragement to be your own person. Reflect on the opinions of you, her mother, teachers, pastors, supervisors, etc., but in the end do what you feel is right.
It would make sense that Theia would have a composition very similar to earth if it formed in the same orbit at one of the Lagrangian points. http://arxiv.org/abs/astro-ph/...
I used to worry about that, but, for books, I realized I just don't care. Only novels are acceptable for me to read on a Kindle. Technical materials must be in paper form or PDF. Once I've finished reading a novel, with very few exceptions, I'll never read it again. If I do, I'll find a hard copy. Life is too short for obsessive hoarding.
Also: Not just power tools - hammering nails or anything else. Sharp blows are terrible for your hearing because your inner ear bones don't have time to adjust and attenuate the signal.
I would like to be married with children but am not. I have chosen to rent and invest the difference. Obviously I have made some "sacrifices". I also receive zero tax credits and writeoffs. My point was to treat savings as a necessary expense on par with food, health care, and basic shelter. If something will cut into your savings rate, such as a larger house, a nicer car, or HBO, YOU CAN'T AFFORD IT. I know I must be prepared for opportunities in tech to be more scarce once I reach age 50. I don't view this as a plan to get rich. This is a plan to avoid being poor.
This is certainly achievable for a technical professional. I've done it. I'm close to the million dollar threshold at age 40, and have done it while working solely at "competitive pay" (HR-speak), non-management, no-stock-option jobs. The secret? Save 20% or more of my income and start saving on day one out of college. My first job paid $50k but I treated it like $40k. I don't have cable. I don't drive a fancy car. I don't take out loans to buy things. Barring a major life calamity, I can now coast the rest of the way if needed.