Starting the DEBT SNOWBALL!!!!

2/5/15 and 3/7/15 Update:

I plan on updating this every 2 weeks which coincides with pay-day!

I’ve just started listening to Dave Ramsey and began reading his book “Total Money Makeover” – It has definitely opened my eyes to my financial situation and helped me start thinking about what I can achieve. The thing that he stresses the most is getting out of debt and never borrowing any money. He breaks down his debt-free method into baby steps for you to follow that will help you reach that point in your life where you are financially wealthy and independent. The first baby step is to save $1,000 for an emergency fund – I have this completed already. The second baby step is to start paying off all your debt starting from smallest to largest regardless of interest rate. I’m currently completing baby step 2. I haven’t listed my debts yet but I want to in this post so that I record my starting point and put my goal on paper! Below is my debt from smallest to largest and I will be DEBT FREE!!!

3/20/15:

I did a few things to reduce the debt quite substantially since my last update – the most notable items being taking out $4k of my savings and selling my silver at a  60% loss to pay off debts. I’ve also eliminated a means of income generation by no longer selling plasma due to my parent’s request; no longer selling plasma will cost me approximately $3,600 a year and 5 months to getting debt-free faster. But I’m a firm believer in filial piety therefore I will act per my parent’s wishes. I have also taken the drastic measure to stop my 401(k) contributions however I will re-contribute if I cannot complete this goal in 24 months. My current estimate shows me be doing in 26 months however this doesn’t take into the account the debt snowball method of compounding payments from paid off debt. Note: I don’t update the car balance or the parent loan balance until I reach them.

4/3/15:

I paid off all the student loans in my name!! I got this completed by withdrawing $5,000 from a savings account. I also made a huge dent into the Grace loan and soon I will have her in my hands officially.I’m going to need to start another way of finding additional income to accelerate this debt snowball therefore I think I’m going to start getting more serious about selling things on Craigslist and eBay. As far as progress goes, I’m quite proud of current pace and acceleration. I still have more money in a savings account which I’m saving as a final push for Grace.

4/17/15 and 5/1/15:

I found an additional source of income that is getting me approximately an extra $45/week. I also got my $171 check for selling my $200 Hyatt gift card. I also took out the cash I had in my brokerage account and put quite a big dent into car loan. If I’m moving at this pace, I should have the title for Grace by October!

5/15/15:

Got another additional income by starting to drive for Uber!! My first night I made $106 in fares and I get to keep approximately 74% of that so not bad for 3.5 hours worth of work! This should hopefully speed up my date – my new goal is to be done by December 31st, 2016.

5/29/15:

I got a nice bonus from Uber for $100 by completing 10 trips and also sold my broken Xbox 360 for $40. The other side job also netted me an astounding $150! Unfortunately, I did not work for Uber this weekend therefore that will affect next weeks debt update but perhaps I’ll make it up by working extra this Friday.

7/10/15:

I paid off my car loan!!! I finally have my first piece of property in my car and it feels great to not have another car payment even though the car was a very dumb decision by me! At least it’s a car that I absolutely LOVE! Paying off my 72-month car loan in 9 months definitely felt like a fantastic success. I don’t owe a dime to anybody underneath my name and now I’m onto erasing that debt that my parents took to put me through college. I haven’t driven for Uber in over a month but my start soon just so I can really start eroding this debt mound.

8/21/15:

I sold all the stock in my brokerage account and used the money to pay off debt. The majority of the capital to purchase those stocks came from my student loans so it was basically borrowing money to buy stocks, as Dave would say. This made a huge chunk in my debt levels ($9,500) and shortened my duration by 3 months or so. I’ve still been too lazy to drive for Uber and have been saying every week that I’ll start but I’m just so tired… My main goal now is to finish before I start my part-time MBA at PSU so that I can save up money to cash flow the books and tuition while I wait for the tuition reimbursement to come in (I don’t get it until I get a C or better in the class and provide documentation).

10/25/15:

Wow it’s been a long since I last updated! Well nothing new has really happened – I’m just keep on keep’n on. Oh, I accidentally paid $400 into the wrong student loan! This is truly a grueling physical and mental marathon but I’m so close I can see the finish line! I picture myself taking my family out to a nice restaurant after I finish because they have supported me 100% along the way and have also made many sacrifices to help me with this goal. I also envision myself going on the Dave Ramsey show and doing my DEBT FREE SCREAM!!

12/25/15:

Dang, it’s been exactly 2 months since my last update but a lot has happened in that short time that has accelerated my debt free snowball! I’m at that last 0.2 miles of the marathon and I can clearly see the finish line but your body is aching and every step is difficult but I’ve too far to give up now so I’m going to power through! The biggest snow angels I added to my snowball was a credit for my CarMax warranty, a Turner bonus, and an unexpected Ecomunnity bonus! I’m down to the last 2 months and I can’t believe I’m soooooooo close!!

01/22/16:

Holy poop!! I can’t believe I’m only 1 paycheck away from being debt free!!! I can actually be debt-free right now because I have the money in my savings account but I decided not to for a few reasons with one being that I might need it for taxes. Also, my next pay check will be on 2/5/16 which is the exact same date one year ago that I started to start this debt-free journey and change my life. My new saying for this journey is that I sacrificed a year of my life for an eternity of freedom.

1. $432 – Phone bill Paid 2/11/15
2. $1,645.05 – Student Loan Paid 3/6/15
3. $1,681.75 – Consumer Paid 3/6/15
4. $2,556.99 – Student Loan – Paid 3/6/15
5. $3,046.90 – Student Loan
5a. $1,748.43 – 3/7/15 Paid 3/17/15
6. $3,351.61 – Student Loan Paid 3/17/15
7. $4,433.71 – Student Loan
7a. $2,052.29 – 3/20/15 Paid 4/2/15
8. $18,968.45 – Car Loan
8a. $14,142.44
8b. $8,8188.63
8c. $6,572.57
8d. $4,260.49 Paid 7/6/15

9. $44,089.00 – Student Loan (It’s under my parent’s name but they gave me the opportunity to change my stars therefore I have no qualms about paying this back for them – broken out below).

9A. $4,493.34 Paid 7/24/15
9Aa. $2,867.71
9B. $8,513.88 Paid 8/21/15
9C. $9,792.23
9Ca. $5,817.24 Balance 8/21/15; Paid 10/2/15
9D. $10,354.67
9Da. $8,015.78 Balance 10/25/15 Paid 12/11/15
9E. $10,934.88
9Ea. $10,432.78 Balance 10/25/15
9Eb. $5,490.02 Balance 12/25/15
9Ec. $888.88 Balance 01/22/16

Original Total = $80,205.46

New Total (01/22/16)$5,490.02
ETA Pay-off (02/05/16) = 2 WEEKS = 2/2016

New Total (12/25/15)$5,490.02
ETA Pay-off (12/25/15) = 2 months = 2/2016

New Total (10/25/15)$18,448.56
ETA Pay-off (10/25/15) = 6 months = 4/2016

New Total (8/21/15) = $26,836.38
ETA Pay-off (8/21/15) = 9 months = 5/2016

New Total (7/10/15) = $42,172.00
ETA Pay-off (7/10/15) = 14 months = 9/2016

New Total (5/29/15) = $48,312.71
ETA Pay-off (5/29/15) = 16 months = 9/2016

New Total (5/15/15) = $50.624.79
ETA Pay-off (5/15/15) = 19 months = 12/2016

New Total (5/1/15) = $52,240.85
ETA Pay-off (5/1/15) = 20 months = 01/2017

New Total (4/3/15) = $58,194.66
ETA Pay-off (4/3/15) = 23 months = 03/2017

New Total (3/20/15) = $64,509.40
ETA Pay-off (3/20/15) = 26 months = 05/2017

New Total (3/7/15) = $72,591.2
ETA Pay-off (3/7/15) = 34 months

KN REVIEW: Light Stream Loan Process


I’ve had a dream of someday owning a Honda S2000 ever since I saw Johnny Tran in The Fast and the Furious beat the crap out of the VW and uttered his famous words “Too soon, Junior”. The point has come in my life where I’m able to afford such a car and mature enough to not make stupid decisions and get myself killed in it. I began the search by going through Craigslist and just seeing what the prices are and was I shocked to find what was available out there. Perhaps its the website but the cars that were for sell were usually very high miles (understandable since it’s a pretty old car) but the majority of them have cosmetic damages and/or salvaged. The last part is also understandable since people would drive these pretty hard leading to the higher probability of damages and wrecking the vehicle. Therefore my main concern was to find one with low miles and was well taken care of by it’s previous owner. I went next to Car Max which just opened a new location near my house; I’ve never heard of Car Max before till they opened the store nearby. And amazingly enough, they had a RED one with 44K miles!! This was too good to be true! I called them and told them to reserved the car for me and that’s when I began the process of trying to buy the car. This is the review of my experience with the lender Light Stream.

Light Stream is a subsidiary of Sun Trust Bank which is a well known and trusted bank with $175 billion in assets. I found Sun Trust by Googling “used car loans” and it was the first thing that popped up. Their loans were very competitive with the local credit unions at 2.84% for a 72-month loan. The best part of my experience with applying for this loan was how simple it was. I’ve applied for loans with other banks/companies before and it felt like it took at least 1 hour to fill out all the information. I can honestly say this was the most simple, easiest, and user-friendly loan application I’ve ever dealt with.

You fill out the typical information like your address, loan amount, term, income, non-liquid assets, and liquid assets. After you enter in all the information they send you an email stating that they’ll respond to your loan application within the next day and they are good for it! I received an email the next day asking for further documentation. What they wanted to see was a pay stub and statements backing up my liquid assets. This was very simple to upload and they responded within hours of me uploading the information. They state that the information had to have a date within the past 30 days but my statements haven’t came in for the last month yet. I told them this and said I needed the money within the next few days. They adjusted to my situation and waived the 30 day requirement and approved my loan!

The next steps were extremely easy as well. Once I was approved, I just signed back into my account and enter in my banking information for where I wanted the funds transferred to. I then picked a date on when I wanted the money (it could be same day if done before 11:30 AM EST) and even when I wanted to pay the bill!

I actually enjoyed applying for a loan with Light Stream. I think they really fit well with my age group as they are extremely responsive and quick along with very simple and minimalist controls. Next time I need a loan for something, I will definitely look to them first and I recommend you check them out as well!

 

How I passed the FE Exam on my second attempt!

I retook the FE exam in April after I failed it the previous April. I’m very pleased and honored to say that I PASSED!! The feeling of seeing “Congratulations” on the letter was indescribable when you know the amount of effort and sweat you put into passing that test. The worst part was waiting 7 weeks for your results to come back. I don’t know how many times I Googled “minimum passing score for FE exam” and I read the same forum threads over and over again just because I was so anxious. After having failed the first time and passing the second time, I believe I have some helpful insight for people who are looking to take the test. First of all, I commend you for taking this test because it opens opportunities for you down the road that you can’t even think about right now. I decided to take the test because of a situation I learned from one of my coworkers at my internship. My internship was at a government agency and one of the “engineers” there came from the same educational background that I did: graduated from the OSU CEM program. He was telling me how he was stuck at his pay grade and cannot get a raise/promotion because to move to the next level he needs to get his PE and the first step in getting your PE is to pass the FE. He told me that he’s taken the test 5 times and failed every time just because it was too much information and he doesn’t have time to study with a family and bills to pay (he’s 25+ years out of school). This lead me to firmly decide that I’m going to take the FE exam and pass because it stays with you for life! He told me he never expected he would be working for the government, his plan was to work for a contractor his whole life. You never know where your career is going to take you, so plan ahead as much as you can and pick the low hanging fruit!

The first tip I can give, and I know it’s cliche, is to STUDY, STUDY, STUDY! My first time taking the test, it was my final year of college and I wanted to have fun and party so that’s what I did and that’s why I failed. I didn’t study at all, not even opening the reference manual until the day of the actual test. Though maybe you’re a genius like some of my friends who say that didn’t study at all and still passed (I can vouch that he didn’t study for it lol). But if you’re like the rest of us then you will need adequate time. I recommend starting at least 3 months out if you have the time and spending 1-2 hours every night. I started legitimately studying at 1.5 months and those last few weeks I skipped a lot of sections. I basically skipped over the electrical section because I didn’t learn this in college and there was no way I was going to learn electrical fundamentals in 4 weeks. The book I studied from is the FE bible created by Micahel Lindeburg. DON’T BUY ANY OTHER BOOK EXCEPT FOR THIS ONE! I also got the NCEES civil engineering and that helped me a little bit but unless you have your company paying for it (I did) then I don’t think it’s worth the cost. Your main focus from this book should be the general math sections in the beginning. You want to be able to get all the easy points and not miss those because points are not weighted, all the hard questions and easy questions are the same points therefore the goal is to not miss any of the easy ones.

One of the best things I got from the Lindeburg book was the practice exam that they provided. I took the exam under “testing conditions”. I woke up at 6:30 AM and then ate breakfast and waited till around 7:30 before I sat down at my desk to take the exam. I used my calculator, a shitty mechanical pencil, the reference manual, and gave myself only 4 hours (you have another 4 years to take the afternoon section). I used all the same techniques as I would during the test. For example, there were 120 questions which meant that I needed to answer 15 questions every half hour and that’s how I kept pace to make sure that I wasn’t getting hung up on a question. Definitely wear a watch because it’s much faster than looking up at the big clock and depending on where you’re sitting, you might not even get to see the clock. I also incorporate the strategy I call “Live by the C, Die by the C”. Which basically means that if I don’t know the answer or can’t narrow down the answers then I’m going to put C and move on. You can do all the statistical analysis you want on putting one letter vs picking random but I just think that picking random you have a possibility of getting 0 of them correct. Putting C for everything you don’t know, you will get at least 1 correct no matter what. Who knows, that 1 point could be the difference between passing and not. The first time I took the test, I did not incorporate this strategy.

Lastly, remember to rest very well the day before the exam. I went into an isolation tank to clear my mind (that’s a whole separate post) and ate a good dinner and went to bed at a very reasonable time. I also took 3 days off from work. One of the most important things is to prepare your body for this test. It’s basically like your final exams but on steroids because it’s a culmination of not just one subject but multiple disciplines.

If you did your due diligence and studied accordingly, you should have no problem with this test. A final tip is to pick a relevant afternoon session and stay away from the Other Disciplines if possible. I was in construction engineering management so I had a few overlapping classes with the civil engineers therefore I took the civil section. My CEM friend took the Others and he said it was basically the morning session but they injected questions with venom and turned it into monsters! I wish the best of luck to you in taking this test and rest assured that it will pay for itself in your life time.

The Importance of Asking for What You Want

Throughout my short career I have been blessed with being put on big projects which would be contrary to the time I’ve been with the company. I’ve been thinking about the reason for this and it has boiled down to the fact that I ask to be given larger responsibilities and I have specifically asked to be put on certain projects. We had just been awarded a very large project that I was on the team for and I wanted to be part of the construction of the building. It was easy asking for larger responsibilities at my internships because I was temporary but as a permanent employee I had to think about longevity and company politics.

I asked a project executive at my current company about how I should state my desire to be on a new project that we had just been awarded. He gave me this piece of advice “In our company the best way to get what you want to is to tell the right people, and tell them often.” As soon as he gave me this piece of advice, I responded to the operations manager debrief email about our project award. This is what I typed “I’m very excited to hear the news and I feel extremely honored to be part of the process to win this project (I helped put together the drywall package – sorry I can’t state how much it was). I would love the opportunity to be part of the construction for (project) and hopefully my performance during the bidding process has showed what I can bring to the (project) team. I would love to discuss this opportunity with you on the deck today and look forward to speaking with you soon.”

I’m a man of my words, so at the bid party on our company’s deck/patio I came up to him and we made small talk for a few minutes. The conversation started about my current projects and then I asked about the award process for the project and afterwards introduced the subject of my email. I told him about my fear of asking him because I thought he would be bombarded by requests from everyone asking to be included. He told me I would be surprised at how uncommon it is for someone to ask that they want certain things. He then proceeded to tell me that it is a very good thing that I told him I wanted to be on this project. Then he tells me that the project executive that I asked for advice called him today and told him to put me on this project!

I made my intentions very clear that I want to be on this project and he told me that he would do his best to see that I get on but there are also a tremendous amount of variables that go into putting certain people on these big projects. I have done all I can to state my desire to be on the project and I have told the right person because the operations manager is the person who staffs all of our jobs; I will just have to wait and see if I will be given the opportunity. FINGERS CROSSED!!

Tools I use to Handle my Finances after College

One thing they don’t teach you about enough in high school or college is the importance of personal finance. My parents taught me a lot of what I know about personal finance but I wanted to learn more so I took time to read books on investing, retirement, banking, and the basic principles of money. I still have much to learn but I believe I’ve created a strong foundation for myself and have become very responsible when it comes to handling my money. It was easy to keep a track of my money and expenses when my income was minimal and my spending wasn’t major but now that I’ve graduated and have a full-time position I found that it was getting more difficult to see where my money was going. This is when I decided to use a few tools that has allowed me to take complete control of all my spending, savings, and investing choices. Hopefully these tools can provide you with the sense of control and confidence it has given me.
Google Drive
This tool comes with your Gmail account and is basically a place where you can create word documents and spreadsheets but also save them on your email so that you can have access to them whenever you need. I like to upload all my paychecks onto the site for quick reference and I use the spreadsheet tool to make a “Paycheck Breakdown” document. I create one every 2 weeks when I get paid and then decide where my money will go until the next paycheck. The following picture should explain a lot.Paycheck Breakdown

I’ve changed the descriptions and numbers but the overall message is still the same. I list my paycheck on the left side and then deduct all my bills, savings, and credit card bills from that source of income. This allows me to see where every dollar is going and to plan for the next few weeks. It also helps to make sure that all my bills are getting paid and shows me what percentage of my paycheck I’m putting towards savings. Once I pay a bill I would mark the date on which I paid it then go back and mark the date on which it was taken out of my bank account. In the comments section I put various notes to myself like what form of payment I used to pay the bills (i.e. checking account or credit card) and the confirmation section is just a documentation cell that I use for reference if I ever needed to dispute or bring up anything. Now that I have a template created, it only takes me about 15 minutes to decide what I’m going to spend my paycheck on each 2 weeks and this has really helped me stay on top of my finances.
www. Mint.com
This is an AMAZING website site that I found about after reading a personal finance post on CNN Money and it has done tremendous things for me. The greatest thing is that it allows you to see ALL of your finances in one location. You input all of your financial information (credit cards, checking accounts, IRAs, investing accounts, 401(k), etc.) and it’s protected by the same encryption that banks use so you’ll feel at ease. This saves a tremendous amount of time because I have multiple accounts which would take me at least 30 mins to check them all. Another great tool is that it allows you to create budgets for the month and we will automatically categorize your spending for you. For example, if you set a budget for gas each month then it will see the transactions that you make at any fuel stations and categorize them into the gas budget so you can see how much you have spent on gas for the month. I use to have a habit of eating out a lot so this budget helps keep me in check so that I don’t overspend. It’s truly a fantastic website that will revolutionize your personal finances and I cannot recommend it enough.
www.creditkarma.com
I’ve learned a tremendous amount of information about a credit score and its components from this website. Its a great learning source with helpful members to answer your questions and great blog posts. But the reason I signed up for the account is the ability to see your credit score on a daily basis for free instead of paying a price. The credit score report card gives you an overview of how well you’re managing your credit and gives you suggestions on how to improve. It also has a credit simulator where you can see what your credit score would be after you take certain actions like pay off a balance or close an account (not a wise choice most of the time). Your credit score might not seem that important to you now since you’re usually not in the market for a house at such young age but a few points could mean the difference between hundreds or thousands of dollars in interest on your mortgage. I’ve learned to be very meticulous about my credit score because when I do need to purchase a house, I want to be able to get the best rate possible. Knowing and improving your credit score can only help you financially and your future self will thank you dearly for taking good care of it.

So these are a few tools that I use to get a hold of my finances with the spreadsheet being something that I created from scratch. If you only do one thing from this post, I hope that you go to creditkarma.com to find out about your credit score for free because this can be an eye opener to jump start your personal finances. I truly believe that being able to properly handle your money will make you a better person and give you more confidence. I know many people worry about money and its a little taboo to speak about it, but we must break away from that and learn to have a serious discussion with our finances. I hope that this post will be that starting point.


How I passed the LEED AP BD+C Exam

I just passed my LEED AP BD+C exam last week with a score of 184/200 with a 170 being the minimum passing score. Compared to the LEED GA the questions and overall test was very difficult! I had trouble with probably 30% of the questions and there were some where I was at a complete lost where as with the GA I breezed through the questions with ease. I will outline my study habits that I went through for this test and give some tips on what I think really helped me pass the LEED AP BD+C.

My study regiment didn’t really start until 3 days before the test; the test was on Monday and started to fully commit to studying on Friday. Turner had a study session two months ahead of my test date and that really helped because it got me thinking and most importantly, started. Our company had a copy of the LEED AP BD+C reference manual so I spent Friday and Saturday reading the entire book from beginning to end except for the appendices. I HIGHLY recommend doing this because this is what LEED is all about; you need to know the requirements for each credit to be able to help the client and owner in deciding which paths to pursue. I also had access to study materials at greenexamprep.com and this was probably what allowed me to pass the test. The website had close to 500 practice questions and this helped prep me for the exam. I spent Sunday taking the specialized practice exams in Sustainable Sites, Water Efficiency, Earth & Atmosphere  etc. and on Monday I took 2 practice exams consisting of 100 random questions to prepare me for the actual test. When I say that I didn’t do anything all weekend but study, I’m not lying. I literally sat at my desk all day and studied from the time I woke up to the bedtime but most importantly, I got a good night rest each time and that truly makes a big difference. So here are a few tips for you to pass the exam:

Read the ENTIRE reference manual. Yes, I know it’s 600+ pages but if you are truly committed to passing this test, then you will have to read the ENTIRE manual and highlight and/or take notes as you move along. You want to focus on the requirements and implementation sections to truly understand what you need to accomplish to achieve the credit. This will help you create your foundation and with it you will be able to answer 95% of the questions. I would also stress to try and read it over a couple of days because it is extremely exhausting to look at that whole book for one entire day. I split the categories over 3-days and that seemed to work because it was still fresh in my mind over that period but wasn’t too draining.

Take as many practice questions/exams as you can. This strategy helped me out tremendously for the LEED GA so I did the same thing for the LEED AP. There are a few free sites on the internet that will provide you with a free 100 question practice exam but if you have the money then I would recommend signing up for a subscription at greenexamprep.com. Some of the questions that they had on their practice tests was verbatim of what was on my actual test and the format/questions are eerily similar. You CANNOT pass the LEED AP without practicing on questions and sample exams because this will familiarize you with the rigor of the questions and what pieces of information you will need to know to answer the questions correctly. I also found it very beneficial to take a full 100-question practice exam in similar exam conditions i.e 2-hour limit, no book, head phones on, etc. As the old saying goes: practice, practice, PRACTICE! And yes, we talking about practice. (Ref. Allen Iverson)

 Do a “Brain Dump” before the exam. The exam center will give you a 10-minute period to take an optional tutorial on how to use the computer system. TAKE IT! The tutorial will teach you the layout of the exam screen, how to mark questions, the calculator, and how to navigate between questions; the important part of this tutorial is the 8-9 minutes you’ll have after the tutorial. I took this time to do a “brain dump” which was basically writing frantically all the information I had in my head down on paper to help me during the test. You will be provided with 2 sheets of paper and it’s very useful to fill as much as you possibly can. What information should you write? Anything that you might have trouble with or anything that pops into your head. For me, it was some of the tables correlating % and points like the renewable energy thresholds. I also wrote down some requirements that I got confused about like percent needed for open space and restoring habitat. The most important thing about the brain dump is that it gives you a kick start to your exam and really ramps up your brain to get ready for the test.

Take my advice above and you should be fine for the test! Don’t take it lightly because it is a difficult test and you should give it the time that it requires. The scoring must be weighted some how because even though I ended up with a 92% overall, the highest percentage I got in any category was 88% and even a 50% in one category. I really thought I was not going to pass the test because I guessed on a lot of questions but it’s one of those tests where you can study for weeks/months but there will still be questions that will trip you up. We’ve had 4 people in our office take the test and all 4 have passed, including myself. Prepare well and you should have no trouble passing with flying colors on your first attempt.

It’s Important to Joke Around with your Coworkers!

I think that those who laugh together will work well together and since I’ve been here at Turner, I’ve had many laughs with my fellow coworkers. This has created a relationship between us that allows us to have a sense of humor at work and gives us the ability to joke around with one another. It’s also important to know your audience and where the line is at all times so you don’t cross it. I would like to give an example of a recent laugh that we had that involved bringing sweets into the office.

Every Friday at Intel, there is an employee that brings doughnuts for the team and this is all expensable through Turner so you don’t have to pay out-of-pocket. The person who is suppose to do it every week is working nights so he won’t be able to do it, so he sent out an email asking for others to help. Here is the following email that he sent:

All,

The time has come to decide who will acquire the single largest responsibility for the Turner Intel Team: Doughnut Duty. Unfortunately I am working nights this week, Calvin has Friday off, and Tyson has Jury Duty. Therefore, the torch must be passed on. Somebody will have a chance to show their greatness, their leadership, their courage, and most importantly – their dedication to Building the Future. The question is – who is ready to step up to the plate!?

It’s a task that nobody wants to bear on their shoulders but someone has to do it, so I decided it was my time. So I made this meme and then I hit “reply all”.

The #1 Rule to Follow as a New Hire: When in Rome, Do as the Romans Do

One thing I’ve discovered about working at Turner and Intel is that if you want to fit in then you must do as the Romans do. This ranges from all aspects of your job from the way you dress, the hours you show up to work, the main form of communication, how to greet one another, the level of “closeness” among coworkers, the boundary between personal life and professional life, and everything else. As soon as you get started with your company keep your eyes open for how everyone conducts themselves because these will be pointers on how you should act. With time you will learn what is appropriate for your company and what is not. When you’re unsure then err on the side of caution until you get confirmation either from your supervisor or empirical observations that your behavior/choices are acceptable. Time is the best teacher but there are other ways that you can prepare yourself like reading the company handbook. Your human resources manager will also be a great starting block as well. For example, before my first day I asked the HR manager what time should I report to work and what the dress code is. These small questions allowed me to come prepared for the first day without looking foolish like wearing a full suit onto the job site. Here are a few tips to getting adjusted as a new hire.

Follow the Dress Code, both informal and formal. One thing I’m always worried about whenever I enter a new place is dress code because that can lead to embarrassment and make you uncomfortable in your surrounding. From my previous experiences, when you’re not comfortable in the clothes you’re wearing then you have a more difficult time opening up and relaxing. As I mentioned before, ask your HR manager what the dress code is before you get on the project site or start your first day. If you want to get some first hand experience, ask them if your able to come in real quick to introduce yourself or perhaps if she can send you some pictures of your future employees at work in their normal attire. If your working for a big company and visiting a different office, realize that their dress code can differ from yours even if you are part of the same company. For example, employees at Turner’s New York business unit is expected to wear a tie, no exceptions. That is not a requirement in the Portland business unit but it’s little things like these that can really create a strong first impression. Look around at what your coworkers are wearing and dress to that level. I’ve heard people say dress for the job you want to have, but be cautious because if your boss dresses in a suit but nobody else does and you begin to then that might make you look bad in your coworkers eyes. Just always be conscious of your surroundings.

Always ask questions if you’re unsure of the norm. When I started working at the Intel campus I started to come in at work around 7 AM, take a half hour lunch then leave around 3:30 PM to hit my 8 hour limit; as a level one, we were only allowed to work 40 hours per week as part of a new hire policy Turner incorporated. I thought this was fine until I started getting some weird looks from my supervisor when I was leaving at 3:30 and luckily one of my coworkers told me that she was asking about my hours and suggested that I talk to my supervisor about my schedule. So I spoke to her the next day and told her my reasoning behind my current schedule. She explained to me that engineers usually get in at 8 AM then leave at 5 PM with a one hour lunch but she let me know that since it was slow I could keep my current schedule. She also warned me that when things picked up, I will need to adjust my schedule. This short conversation cleared up the air between us and now she knows why I leave early and I found her expectations. Over time I’ve come to understand that it doesn’t matter what time I leave as long as I get my work done and I let her know ahead of time if I’m going to leave earlier than usual.

Don’t rock the boat until you are the captain. Coming in as a new hire I know you want to change things up and show that you can make an immediate impact to the team. But for the first months or maybe even year, it’s best to sit back and just observe how your coworkers and bosses conduct themselves. Don’t be a know-it-all when it comes to changing processes or making suggestions. You will find out that many of your coworkers have been doing things the same way for years and they have a certain way they like to proceed with tasks. Follow their instructions and if you want to deviate from their plan, make sure you have a more valid reason than just wanting to try something new. I believe this piece of advice is very important because you don’t want to upset your supervisor. Demonstrate to them that you can follow directions and when you start to fully understand the workings behind the process then you will be in a better position to make suggestions.

New hires will always be eager to impress their new employers but sometimes it’s just best to sit back and observe and put your best foot forward when you’re asked to. Be prepared before you enter the job site and always be looking around at your coworkers and surroundings. Learn how to conduct yourself in meetings, informal discussions, how to greet others, and how your office is run. When you start your career just remember that you are in Rome and you should do as the Romans do.

The Importance of Email Etiquette

The first time I was introduced to emailing professionally was on my Sears internship and I thought I was doing things correctly but I still had a lot to learn. I would think other students don’t get experience with communicating through email with a professional until they enter college when they start discussing with their professors and teaching assistants about assignments. But even at that stage, it is still very informal and student’s don’t see the importance of rereading your emails for corrections and picking precise words for brevity and to convey the right message. That’s the reason I stress the importance of internships and other similar professional experience because it gives you an opportunity to see what it entails to write emails to customers, supervisors, high-level management, and other team members. Before I had internships, I knew the basics of email etiquette but when I worked on my internships is when I was really taught about the importance of using words to be concise and portray the message you want. For example, during my internship with Clark County I was writing an email to a contractor to make sure that he got his DBE (Disadvantaged Business Enterprises, there are many different names for it but it’s basically to develop minority education) training in. There was a set date on when he had to have 100 hours of DBE training in, so I write in an email  “The Contractor should have 100 hours of training completed by 07/16/11.” My boss then tells me that it is too wishy washy and told me to change “should” to “will” that way the wording is more concrete. One piece of advice he told me was whenever I was having any correspondence with another professional I need to write like a lawyer and make sure that I’m absolutely clear because you never know when it can come back to you so you need to have your butt covered. So with that, here are a few things I’ve learned along the way regarding email correspondence and etiquette.

Before you hit SEND, remember that ANYONE can read your email. My supervisor would tell me horror stories about emails that have come back to haunt people and led to their termination.  Therefore, double check your grammar, words, punctuation, and if it makes sense or not. One thing I found that is really helpful is reading the email out loud; it really helps with finding mistakes and making sure you are using are instead of is when you’re suppose to. In our day and age, nothing is ever private so don’t send out something unless you don’t mind your mother reading it. One thing Turner tells us is that “You’re always wearing Turner Blue” so remember that when you send out an email it reflects not only you but your company as well; if you don’t represent your firm well then you soon won’t have a firm to represent.

Make sure you are CLEAR & CONCISE and get a second opinion before sending out any contract related emails. We talk to a lot of subcontractors about schedule, cost, and work and since we are their “bosses” and they take our word very seriously. This can lead to them misconstruing what we say and go against our wishes on purpose or by mistake. For example, it’s easy for miscommunication when you state that the project will be funded tomorrow and the contractor might mistake that for a green light and he starts work the same day but you must inform him that he cannot proceed until he gets a contract from you. There are a million examples of simple email exchanges that have lead to catastrophic mistakes because one person said one thing but the other interpreted it in a different way. Getting someone else’s opinion is extremely helpful because they can look at it objectively and provide a new pair of eyes to your email. For example, one of my coworkers asked me to look over his email and I saw that he used the word “scrambling” when referring to trying to make schedule so I told him to change that. He asked me why and I told him that it made us seem weak and unsure of what to do so we changed it to “working diligently.” It’s little things like that can make a huge difference in the eyes of your clients because this email was being sent to subs, the customer, and their bosses.

Create a professional looking signature. This is very important because it is usually a person’s first perception of how you conduct yourself and how professional you are. I’ve seen some horrible signatures with multiple pictures that adds clutter/attachments to the emails; you must remember that many people look at emails in more than one way so formatting that works over multiple platforms is important. I’ve found the best emails are very short and concise usually consisting of a person’s name, title, company, email, and cell. One advantage of having a signature is you don’t have to waste your recipient’s time by writing “Hi, my name is Khang with Turner Construction…” instead you can get their attention right away by stating the facts and what this email entails. If they wonder who you are, then they can look quickly at your signature and quickly figure it out. Remember, little things make a big difference.

Only cc the necessary people and contact the PROPER person. I didn’t know what email overload really was until I started working with Turner and on a typical day I can get over 100+ emails and even more when bids are due. I’m sure that the higher you are on the ladder, the higher your average daily email count will be. So if you want to get a prompt response then you need to learn to contact the right person or else it could get lost in their sea of emails. You’ll find that some people are very diligent with their inbox while others are stuck in a cluster**** and have a very difficult time responding to emails in a timely manner. So be courteous to your recipients by only sending them an email if it is pertinent to them and make sure you contact the person who is the decision maker or can get you into direct contact me that person.

These are only a few things I’ve learned throughout my internships and my short time with Turner. You will learn quickly how important email correspondence is to you being a successful employee and company representative. Practice it and make sure to be diligent, organized and also professional because people will take notice. Remember, when it comes to email, it’s the little things that make the biggest impact.

Being Receptive to Constructive Feedback

One great piece of advice I’ve heard from Randy Pausch (late professor at Carnegie Mellon) is “when you’re screwing up and nobody’s saying anything to you anymore, that means they gave up.” This was a thought that came to me when I was driving back from a foreman’s meeting with my fellow engineer and he decided to give me some constructive feedback about my behavior. He was been a great coworker/teacher because I can truly tell he’s looking out for me through his many actions and the way he goes out of his way to teach me things about building construction; I truly believe that hereally wants to see me succeed. Before he started the conversation, he told me about a training he went to called “Training Young Leaders” and he said that it was necessary to give constructive feedback to help people grow or else they will get complacent with constant positive feedback. He then proceeded to tell me that he could see I really want to work hard and that I had great potential and will go far with Turner. After he built the cushion to drop me down on, he started to tell me about a few things I did that made me look unprofessional and also things that my immediate supervisor didn’t like.

First, he told me about a habit I’ve developed in college that I wasn’t realizing I did in meetings. I learned how to do a pen flip in college and that was what I would constantly do in lecture without ever realizing it. It seems that this habit transcended into my professional career and I was doing it during meetings without a thought. He told me this excessive movement made me seem nervous and it can be annoying to some people. Further, it made me look unprofessional by making it seem like I wasn’t paying attention. I never really thought of it that way before and I felt embarrassed when he told me but was also very grateful because it’s really difficult to see sometimes when you are stuck in the middle. It’s nice that somebody from the outside can pull you aside and tell you what the problems are because they have an objective view. I really appreciated him telling me about this because now I can be more conscious about what I do at meetings. As strange as it may seem to me still, I am a professional now and everything I do will be scrutinized by coworkers, subcontractors, clients and customers, my supervisor, and everybody else who is making a judgement about my character with every action I make.

The second piece of feedback had to deal with the same issue but this time it was more directly related to my supervisor. I sometimes make a clicking noise, similar to a beat boxing when I get bored and my coworker told me that this annoyed my supervisor. She had subtly mentioned it before but I never knew how much it really bothered her until my coworker told me she said to him in passing how it makes her really tick. Once again, I became more conscious about what I do in “down times” so I don’t seem unprofessional. It gets really difficult because when your mind starts to wander then you don’t pay attention to the little nuisances that consume your everyday life.

So my advice to you is to ask a close worker to give you candid feedback on any nuisances you do that tick them off or if they heard about things you do that tick other people off. It will be difficult to hear and you might just think those people are being anal but you must realize you are a professional and you should conduct yourself in that way. Nonchalant things to you might be a pet peeve to someone else – as I found out. Take one of your trusted coworkers aside and ask them for some constructive feedback and be prepared to receive it because in the end it will make you a better professional. Also, don’t forget to tell other people if they do things that you find annoying because you are probably not the only person being annoyed. Just do it tactfully and never embarrass  your coworker in front of others; have this conversation in private and explain to them your doing this because you respect them as a coworker and want to see them succeed. I believe these little things will truly help your career in the long run, I know it has already made a tremendous impact for me.