Hwang Chul Soon
Modeling January 2016
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Herşey Dahil Sadece 350 Tl'ye Web Site Sahibi Ol
Hızlı ve kolay bir şekilde sende web site sahibi olmak istiyorsan tek yapman gereken sitenin aşağısında bulunan iletişim formu üzerinden gerekli bilgileri girmen. Hepsi bu kadar.
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Web Siteye Reklam Ver
Sende web sitemize reklam vermek veya ilan vermek istiyorsan. Tek yapman gereken sitenin en altında bulunan yere iletişim bilgilerini girmen yeterli olacaktır. Ekip arkadaşlarımız siziznle iletişime gececektir.
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Web Sitemizin Yazarı Editörü OL
Sende kalemine güveniyorsan web sitemizde bir şeyler paylaşmak yazmak istiyorsan siteinin en aşağısında bulunan iletişim formunu kullanarak bizimle iletişime gecebilirisni
Take the Money and Run
It's that time of year again! Money pie time! This year was fun because a coworker loved that I did this last year and decided to join in the fun. We have been presenting each other with our "pie" each quarter to see where things have gone over time.
Here's the breakdown! But first, a couple of notes. First, I did not include any savings in this chart. I do put aside money for retirement as well as an emergency fund and a fun money fund. However, as this money is not technically an expense, it is not included. Also, I excluded my down payment, as it would have inflated the "home" category to over 90 percent.
Home: Like last year, this includes rent and utilities but this year, as well as taxes and insurance, this category was also furnishings heavy. As I said, I did not include my down payment. However, there were still a lot of things, such as blinds, appliances and other misc items, that I will not have to buy every year, but that were a big expense this year. I was a bit aghast at the high percentage, but if I just had rent/utilities only, it would be closer to 33%, which is about right, according to articles like this.
Travel: I hope I never have to make this category smaller. I have mentioned this before, but I will skimp on most everything before I give this one up! As you can see I forwent shopping for travel this year. I have a great trip to Europe, as well as several other trips around the US to visit with friends, and several road trips to do active things around California.
Transportation: This category is mostly commuting, but I also rent a car approximately one weekend per month in order to visit family or friends or to go to a running event. I did not try to separate the costs for running related things into the entertainment category, as they are often all intertwined.
Groceries/Eating Out: Funny that these are almost the same! I probably only eat out about once a month, so this shows that when I do eat out, it is a major event! Eating out also includes coffee shops and beer, which is probably the majority of my expense in that category! I also put all Costco trips in the grocery category, even though there were some other odds and ends in the basket usually.
Misc: This includes haircuts, gifts and donations, credit card fees.. things like that. The bulk of it is gifts and donations. I think I got my hair cut twice last year!
Health: This includes pre-tax deductions and any copay or charge for contact lenses etc.
Entertainment: This includes movies, baseball games, and running related (or other hobbies) expenses. Truly this year I did not spend a lot on running gear, only race fees. Also, like I said before, my transportation to running events was either carpooling or it went into the transportation or travel category. It may be better to try to separate those out this year to get a more accurate idea of where the money is going.
Shopping: If it's not food, I don't buy it! This category included clothing, toiletries and items from Target that were not home or running related. I literally bought maybe 4 (Banana Republic) shirts for myself this year from a thrift store, and that was about it! k
So, what did I learn from this? I am pretty happy about where I spent my money in 2015. If needed, I could definitely spend less on travel. Currently it is not necessary, but it would have to be the first thing to get a haircut if I needed some extra money. As you can see, I don't really spend a lot on unnecessary things, except for travel. I am also happy about how much I am putting aside and am trying to increase my savings amounts if I get a raise this year, instead of just spending more.
What is the biggest piece of your spending pie? Do you keep track of where your money goes? What are your financial goals this year?
No Holmes Without Watson
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| Dr. John H. Watson and friend |
Steven T. Doyle’s fascinating Baker Street Journal Christmas Annual for 2015 quotes Nicholas Meyer as saying this about his third Sherlock Holmes novel, The Canary Trainer:
“I know there are good things in it. But ‘good things in it’ doesn’t add up to a good book. It just doesn’t. It’s a book, for instance, where Watson really isn’t in the book, and as a lot of people have pointed out, there may be no such thing as Holmes without Watson.”
The book had a few other problems. I, for one, was disappointed that the Canary was a singer, although S.S. Van Dine did the same thing in The “Canary Murder Case in 1927.
Nevertheless, Meyer’s comment reminds me of a story the late John McAleer, biographer of Rex Stout, once told me. As I remember it, an elderly woman asked a librarian if she had any of those “Archie books.” After a few moments of head-scratching, the librarian said, “Oh, you mean Nero Wolfe!” “Nonsense!” the patron replied. “We know who does all the work!”
McAleer observed that one realizes while reading In the Best Families, where Wolfe is largely absent, that there could be Archie stories without Wolfe, but not Wolfe stories without Archie. Similarly, the three of the four Holmes stories not narrated by Watson are among the least successful in the Canon.
I thought that with the formation of the John H. Watson Society a few years ago the Good Doctor was finally receiving long-overdue recognition. But that is far from true. In reading over some of the first issues of the Baker Street Journal, I’m impressed by how many of the articles written in those early days are Watson-centric.
Ed S. Woodhead took up his pen “In Defense of Dr. Watson” in Volume 1, Number 1. Dirk J. Struik lauded “The Real Watson,” “stalwart veteran and crack shot,” in Volume 2, Number 2. Those just happen to be the two most recent issues that I’ve read. And they serve to illustrate a conviction I have had for some time and articulated here before:
TELEFON DİNLEME PROGRAMI ALMADAN ÖNCE MUTLAKA OKUYUN
TELEFON DİNLEME PROGRAMI MI SATIN ALMAK İSTİYORSUNUZ?
Neden fazla ödeyesiniz ki?
Nasılmı? Telefon takip programı satan firmalar devamlı suretle sadece sitemiz ziyaretçilerine özel çeşitli indirimler ve kampanyalar yapmaktadırlar ve doğal olarak bu indirimli fiyatlar dan genelde normal kullanıcıları ve yeni satın alacak potansiyel müşterilerinin haberleri olmamaktadır.
Biz ise sizlere, firmaların sağladığı bu indirimli satış linklerinden istediğiniz an haberdar olma imkanını vereceğiz ve aynı yazılımı %20 ye varan indirim le satın almanızı sağlayacağız. Bunun için yapmanız gereken tek şey bize aşağıdaki format ta bir mesaj bırakıp satın almak istediğiniz yazılımın adını ve mevcut sitesinde bulunan satış fiyatını bildirmeniz dir.
Lütfen mesajınızı sitemizin hemen sağ alt kısmında bulunan Mavi renkteki Bize Danışın kısmına tıklayıp bize gönderiniz.
Böylece bıraktığınız e-maile en kısa zamanda (genelde 1 saat içerisinde) programı indirimli satın alabileceğiniz satın alma linkini göndereceğiz.
Portföyümüzde şuan internet üzerinden satın alabileceğiniz hemen hemen tüm telefon dinleme programları mevcuttur ve hepsine ait indirimli satın alma linklerini sizlere 1-2 saat içerisinde sağlayabilmekteyiz.
Not: Satın almak istediğiniz casus programı portföyümüzde olmaması halinde ise yine bunu size e-mailinize dönüş yapıp hemen bildireceğiz.
Bize göndereceğiniz mesajınızda belirtmeniz gereken bir kaç detay var bunlar sırasıyla şöyle:
1: Satın almak istediğiniz programın adı nedir?
2: Programın web sitesinin adresi nedir?
3: Kaç aylık satın almak istiyorsunuz?
4: Programın satış sitesindeki mevcut fiyatı nedir?
Evet yazımızın başındada belirttiğimiz üzere
Neden fazla ödeyesinizki?
LETOON - Likya'nın Kutsal Kenti
LETOON
Pınara antik kentini
gezdikten sonra, sırada bir başka Likya
kenti var. Antik çağda ‘Işık Ülkesi’ Likya’nın dini merkezi konumunda olan
Letoon Antik Kentine gitmek üzere yola koyuluyoruz. Letoon antik kenti,Fethiye ile Kaş arasındaki Kumluovada yer alıyor.
Antik kenti gezmeden
önce, antik kent ‘Letoon’un ne anlama geldiğini merak ediyorum. Anadolu yerli dilinde Lada “hanımefendi
Look Ahead: Goals 2016
Last year I did not post my goals because I tend to be a private person and a lot of my goals I don't feel that I really want to put out there, even though I do have a list of my own. This year, I will post a few of my goals however, in the hopes that posting them will keep me honest!
1. Run a 100 mile race. This was on the list last year and I did not quite make it. However, this year I am ready to try again! I have a couple races in mind, but it's hard, as they are all lotteries. We shall see which one chooses me, I guess. After I find out which race I will do, it will be time to get the training schedule sorted out. Which brings me to my next goal.
2. Run 2,000 miles / climb 250,000 ft elevation: Last year I ran about 1,800 miles and climbed about 250,000 feet, so this goal is attainable. However, I also want to be smart about my training, as last year I got injured which put a damper on my running, which was not fun at all. I would like to train smart and to have a plan, which is something that really helps me when it comes to setting goals. I have a "little red book" where I plan to keep track of my miles and my training in general, in hopes that it will help me in the long run (pun intended).
3. Read 52 books. Last year I read 77 books, but I feel like with an increase in running comes a decrease in reading. So, to be realistic, I will try to read one a week and if I have time for more than that, then great, but I don't want to be stressed or annoyed at myself for setting an unrealistic goal.
4. Read 12 books from my own shelves. I am copying Lisa on this one! I think that it's a great idea to actually read books that I already have (and then possibly give them away) instead of keeping them for no reason. To be clear, if it's an excellent book, I may keep it, but if it's not, its going in the Goodwill pile!
5. Ride my bike to work 2 times per week: Last year I ended up riding my bike 102 times, which would average out to about 1 time per week. This year I would like to improve upon that plan, as I really enjoy getting out early and getting a bit of exercise before I head to work! So far, so good, as last week I rode my bike into work twice and would have done it more but it was pouring rain the other three days of the week!
6. Practice my Spanish: This one is hard to quantify, but I would like to improve my Spanish by talking to a friend for at least 5 minutes once a week, studying and learning at least 100 new words per week and possibly taking my vacation this year to a Spanish speaking country.
7. Try new things: This goal is multi faceted. I would like to visit 12 places that I have never been before. This can be a running trail or a city or a country. I would like to learn one new recipe a week or 52 in a row; either way is fine with me. I often make "new" things but usually they are just tossing a few things in a pot and calling it good. We shall see how it goes, as I am not really a recipe follower except in baking, but I would like to try! The last is to try 6 new things this year. Last year, one of the things was snowshoeing. I also tried Russian food for the first time. You are never too old to learn a new trick!
8. Spend less than I spent last year: You may think this is easy, because hello, I bought a house. However, I am not including my down payment in my "expenses" for 2015. Every year I break down my spending to see where I spent the most (will be posted soon!) and this year I was a little embarrassed by my spending. I am still quite frugal and a lot of it did go into the house (my "home" category was over 50% of my expenditures), but I need to cut back a bit and put more money into savings!
7. Try new things: This goal is multi faceted. I would like to visit 12 places that I have never been before. This can be a running trail or a city or a country. I would like to learn one new recipe a week or 52 in a row; either way is fine with me. I often make "new" things but usually they are just tossing a few things in a pot and calling it good. We shall see how it goes, as I am not really a recipe follower except in baking, but I would like to try! The last is to try 6 new things this year. Last year, one of the things was snowshoeing. I also tried Russian food for the first time. You are never too old to learn a new trick!
8. Spend less than I spent last year: You may think this is easy, because hello, I bought a house. However, I am not including my down payment in my "expenses" for 2015. Every year I break down my spending to see where I spent the most (will be posted soon!) and this year I was a little embarrassed by my spending. I am still quite frugal and a lot of it did go into the house (my "home" category was over 50% of my expenditures), but I need to cut back a bit and put more money into savings!
This is all the goals I am going to post here, but I also have a couple of personal financial and life goals that are going on a separate list as well. I have found that it's best for me to have about 6 - 10 goals, otherwise they get overwhelming and I cannot complete them and then I get frustrated. So, along with the 8 here, I have two others that I would like to accomplish this year.
What are your goals for 2016?
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