Mar09

I read a lot of finance-oriented blogs, many of which discuss personal net worth. Consumerism Commentary provides an excel spreadsheet for determining this value. So, I downloaded the form and gave it a shot.  After going through my various accounts (checking, savings, 401k, etc.) I arrived at a number that was just a little bit surprising: ($325).

After factoring for thousands in student loans and an auto loan, I’m only down by $325. By my next paycheck, my total net worth will actually be in the green for the first time in at least 8 years(since incurring all of that debt in college).

What this tells me is that my automatic deductions into my savings account (one of the key reasons my net worth is steadily growing) and my increased auto-loan payments are continuing to push me towards a more financially secure future.

Currently, my short-term goals are to finish paying off my car. Then, in the long-term, I’m going to redirect some of the monthly payment towards funding my brokerage account and Roth IRA so that I can start investing in appreciating assets. Woohoo!

Feb26

Lately, I’ve been reviewing resume after resume for a Jr. Web Designer/Developer position at work. Going through this process, I’m realizing just how good I did on my own and how such simple things can keep an individual from landing an interview. So, here are my 5 tips for web designers & developers to getting past the resume review stage.

  1. Setup a portfolio - Just having a portfolio puts you leaps and bounds ahead of everybody else applying for the same position. It’s the first thing I look for. Even if it’s only a website you made for a class or school group, use it as a foundation for your portfolio. A professional looking portfolio can say more than you ever can in your resume.
  2. Show off your portfolio - Having one isn’t enough, it also needs to be readily apparent that you’ve got one. Remember, we’re going through hundreds of resumes (mostly text-based with limited formatting). So, don’t hide the link(s) to your portfolio. I don’t know how many I’ve tossed aside thinking it didn’t have a portfolio, only discover later that “whoops”, it actually did…it was just buried 5 paragraphs deep. Which brings me to #3…
  3. Keep to the point - Given the amount of resumes that come in, keep your resume short and around one page in length. Excruciating details about every single job you’ve ever held are not important. Focus on the ones that relate to the job you’re applying for and single out the most important responsibilities of the job(s) you previously held. If you once worked at the Sizzler, that’s great…if you’re applying at TGIF, but for a Web Design job it’s just wasting space that you could be using to really sell your knowledge of the job.
  4. Specialize - If you’re applying for a Web Designer job, emphasize your knowledge of Photoshop, XHTML, CSS, etc. Don’t pour out a list of obscure languages that you barely know. Nobody cares! It only shows that you’re, at best, a jack of all trades and at worst, a master of none. Focus on the technologies and skill-sets that are important for the job and ditch the rest. It’s better to admit you’re familiar with a skill unlisted on you’re resume than to admit you don’t really know it that well.
  5. Stop Spearheading! - Don’t throw in words like “spearheading” for your own “self-puffery”. It comes across as amateurish. Stay with simple, strong words. If you’d be embarrassed to say it out-loud, don’t put it in your resume. (If you’d still say “spearheading” aloud, then you’re probably a jackass. Glad I could point it out for you.) e.g. “I led a team of engineers in defining project requirements” is better than “I spearheaded initiatives that led to the development of project requirements.” The first one comes across as an individual who can both lead and work with his co-workers. The second version comes across as somewhat self-aggrandizing and a bit narcissistic.
Jan06

In 2007 we bore witness to one of the biggest *perceived* setbacks in html email history, Microsoft switched Outlook’s rendering engine from Internet Explorer to Word. Even now in 2008, cries of foul are still ringing out, but I think something much bigger is at play here.

No, the switch-over wasn’t a bumbling move of a giant corporation, I believe it was a bold and precisely calculated move for some pretty spectacular software to come.

You see, Microsoft is waging war to retain it’s market share and Outlook just happens to be one of those battlegrounds.

If you recall back in the 3rd quarter of 2006, Microsoft released a Blog editor called Windows Live Writer. It was one of the first programs to allow you to create blog posts in a WYSIWYG environment that actually looked like a post on your blog. This program was, and still is, a program available freely to anybody who wants to download it.

Now, fast forward a bit to 2007 and we get the news that Outlook is switching to the Microsoft Word rendering engine for displaying emails (it already used it for creating them). Microsoft’s stance has always been that they switch the rendering engine for displaying emails so that it would be the same as what users used to create emails.

So, here we are in 2008 with a seemingly gimped email client and a constantly improving piece of software for publishing blogs. How does it any of it tie together?

I think that in the next year or so we’re going to see a new breed of Microsoft Word. It’ll be a blend of all three programs. Since Outlook already uses Word’s rendering engine, why not just combine the two anyways? They essentially do the same function, create messages (albeit of different sorts), but I think that’s only the tip of the iceberg.

I think we will eventually see a new hybrid version of Microsoft Word capable of not only writing letters and novels, but also creating emails and posting to blogs throughout the web. It will be the penultimate word processor, capable of combining the functionality of three seemingly separate programs into one.

Further, to increase market share, I think it will include enticing features that you normally wouldn’t see within email. For example, now-a-days if you emailed a spreadsheet to somebody or prepared a really nice document within Word, you’d have to just attach it to the email, you can’t send something to a recipient that they can view inline, within their own email client.

But, with the new version that I believe is in the works, you’ll be able to prepare, send, save, and post documents from the same program. Those with the new Word application will be able to view the documents exactly how you created them, without having to open a separate program or save the file elsewhere. It’ll add additional functionality to emails that we currently just don’t have. And for those without the new version, they will receive the email exactly as we do now-a-days, with plane old attachments.

Plus, this helps tie in to Microsoft’s move into developing an open document format. What better way to get others moving in your direction than to create an open format that anybody can readily adopt.

I’m sure that as viewed by themselves, any of the moves made by Microsoft may seem to have a sinister motive at play, but I truly believe that it’s a move towards something greater. Sure, there’s a profit motive involved, but there comes a point for all corporations to decide if they are going to continue force feeding consumers, or if they’re going to create something consumers demand.

Microsoft has been in the game for a long time and I don’t think they are going anywhere anytime soon. If the seemingly bumbling moves are just that, then I suppose there’s no reason I can’t keep using Thunderbird.

But, if they’re not, we’re in for some exciting times to come.

Dec15

Find out approximately how long and how much principal it will require for your accrued interest to be equal to or greater than your current income.

  1. How much do you currently make annually?
  2. In percentage points, how much is your current yearly raise?
    %
  3. What is your maximum possible salary?
  4. How much of your income do you want to invest?
    %
  5. How much interest do you expect to earn on your money?
    The stock market returns ~10-12% in the long run.
  6. How often will the above be compounded?
  7. How much will Uncle Sam take?

Year Salary After Tax Amount Invested Principal Interest Gained
Press “Calculate” to continue…
Dec02

Just thought I’d put together a list of some of the interesting news and random facts posted on Reddit that caught my eye this past week:

And now for the LOLCat of the week:
Candy Corn Cat