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<channel>
	<title>Tara Clark&#039;s Blog</title>
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	<link>http://taraclark.ca</link>
	<description></description>
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		<item>
		<title>Oregon Coast Sunset</title>
		<link>http://taraclark.ca/oregon-coast-sunset/</link>
		<comments>http://taraclark.ca/oregon-coast-sunset/#comments</comments>
		<pubDate>Sun, 29 Jan 2012 17:42:06 +0000</pubDate>
		<dc:creator>Tara</dc:creator>
				<category><![CDATA[Photos]]></category>
		<category><![CDATA[Travel]]></category>

		<guid isPermaLink="false">http://taraclark.ca/?p=718</guid>
		<description><![CDATA[Spectacular sunset/beach view from the hotel in Lincoln City, Oregon &#8211; August 2011]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;">Spectacular sunset/beach view from the hotel in Lincoln City, Oregon &#8211; August 2011</p>
<p style="text-align: center;"><img class="aligncenter size-full wp-image-719" title="sunset" src="http://taraclark.ca/wp-content/uploads/6110171683_bf01df6b4d_b.jpg" alt="" width="717" height="538" /></p>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>ASUS Zenbook UX31</title>
		<link>http://taraclark.ca/asus-zenbook-ux31/</link>
		<comments>http://taraclark.ca/asus-zenbook-ux31/#comments</comments>
		<pubDate>Thu, 29 Dec 2011 07:40:41 +0000</pubDate>
		<dc:creator>Tara</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[asus]]></category>
		<category><![CDATA[laptops]]></category>

		<guid isPermaLink="false">http://taraclark.ca/?p=732</guid>
		<description><![CDATA[I&#8217;m far more of a software techie than a hardware techie. I pick computers for practical reasons rather than specs and to me, a lot of the specs look like mumbo-jumbo. With this purchase, I finally understand the hype of solid state drives. They are simply fast. My example is that if I close Google [...]]]></description>
			<content:encoded><![CDATA[<p>I&#8217;m far more of a software techie than a hardware techie. I pick computers for practical reasons rather than specs and to me, a lot of the specs look like mumbo-jumbo.</p>
<p>With this purchase, I finally understand the hype of solid state drives. They are simply fast. My example is that if I close Google Chrome with several tabs open, including Pandora, I will hear music playing out of the speakers within immeasurable seconds.</p>
<p>If it helps you, here are the specs on my unit:</p>
<ul>
<li>Intel Core i7 2677M Processor (Turbo Boost up to 2.9 GHz)</li>
<li>4 GB DDR3 RAM</li>
<li>256 GB SATAIII SSD (this is the hard drive space for the non-techies)</li>
<li>13.3&#8243; screen (1600 x 900)</li>
<li>Windows 7 Home Premium 64-bit</li>
<li>12.9&#8243; x 8.9&#8243; x 0.8&#8243;</li>
<li>2.87 lbs</li>
<li>6-cell battery</li>
<li>Model number: UX31E-DH72</li>
</ul>
<p>The product description on Amazon.com suggests that it will be &#8220;love at first sight&#8221;. That&#8217;s about what I&#8217;m feeling right now.</p>
<p>There were three choices for this model on Amazon.com:</p>
<ol>
<li>Intel Core i5 2557M (Turbo Boost up to 2.3 GHz) with a 128 GB SSD</li>
<li>Intel Core i5 2557M (Turbo Boost up to 2.3 GHz) with a 256 GB SSD</li>
<li>Intel Core i7 2677M (Turbo Boost up to 2.9 GHz) with a 256 GB SSD</li>
</ol>
<p>I opted for the 256 GB SSD so that I can dual boot Ubuntu and Windows while still maintaining sufficient hard drive space and the higher speed processor because with my last laptop (a <a href="http://store.shopfujitsu.com/ca/EcomCA/pagerender.do?conpg=products%5Cnotebooks%5Cphoto_gal%5Cgal_s7110">Fujitsu S7110</a> purchased in August of 2007), I opted for the lowest processor possible and then I kept it around in active use for over four years, which ended up being quite painful.</p>
<p>Cool little features:</p>
<ul>
<li>This touchpad will scroll horizontally, if you&#8217;re using both fingers! (This is really easy to do accidentally though.)</li>
<li>The speakers seem pretty good for a laptop.</li>
<li>It came with a cute carrying pouch for the ethernet and VGA connector cables.</li>
<li>It definitely looks a lot like a MacBook Air. So if, like me, you like the looks of the MacBook Air, but want a Windows machine, this could be the machine for you.</li>
<li>It has a SD card slot, which is really awesome for taking photos off of my camera. I honestly don&#8217;t know where the USB cable is anymore.</li>
</ul>
<p>The main complaints that I&#8217;ve seen on Amazon circle around wireless, trackpad, and keyboard size. I have had zero wireless problems in my apartment or at my parents&#8217; house.</p>
<p>The trackpad definitely took some getting used to. I am primarily a trackpad fan, but I can be converted to the ThinkPad &#8220;stupid red thing&#8221; as I like to say in technical terms if necessary like I was with my Lenovo ThinkPad X200 at work. The Zenbook&#8217;s trackpad is a pretty good size and I find that right-clicking takes some effort since it&#8217;s so far off the home row, but just tapping for single-clicks is fine. It&#8217;s also weird to right-click because there isn&#8217;t really much of a button outline at the bottom of the trackpad.</p>
<p>The keyboard is different than a normal one, but I&#8217;m pretty used to mobile laptop keyboards at this point between my old Fujitsu and my X series ThinkPad from work. I am a touch typer and I have minimal problems with the keyboard. Sometimes I don&#8217;t hit the &#8216;o&#8217; key very effectively and have to hit it more forcefully, but my fingers can generally sense when I made a mistake, just like I can on any other keyboard. The home/end and page down/up buttons are a little annoying, but I had a similar problem with my old Fujitsu and I&#8217;ve definitely got my keyboard shortcuts with them down pat now.</p>
<p>I had a chance to test out the battery life this past weekend. I think I had it running on battery for over 4-5 hours without worrying about the state of the battery with a reasonable level of brightness and two browsers and Microsoft Excel running. That seems more than sufficient to me.</p>
<p>I haven&#8217;t had any problems so far with the laptop getting warm &#8211; it&#8217;s fine without a lapdesk. It also hasn&#8217;t been particularly noisy yet.</p>
<p>I have now had this machine for about a month. It is a great machine for what I wanted and I am keeping it. It was most definitely love at first sight.</p>
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		<item>
		<title>Resume tips for Computer Science/Software Engineering students</title>
		<link>http://taraclark.ca/resume-tips-for-computer-sciencesoftware-engineering-students/</link>
		<comments>http://taraclark.ca/resume-tips-for-computer-sciencesoftware-engineering-students/#comments</comments>
		<pubDate>Sat, 05 Nov 2011 16:09:28 +0000</pubDate>
		<dc:creator>Tara</dc:creator>
				<category><![CDATA[Career]]></category>
		<category><![CDATA[resumes]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://taraclark.ca/?p=722</guid>
		<description><![CDATA[I recently attended a career fair to recruit soon-to-be college graduates for my company. Having attended a university where it was drilled into us from the very first week of our first year of university how to write a resume, I found some of the same issues with the resumes that my school told us [...]]]></description>
			<content:encoded><![CDATA[<p>I recently attended a career fair to recruit soon-to-be college graduates for my company. Having attended a university where it was drilled into us from the very first week of our first year of university how to write a resume, I found some of the same issues with the resumes that my school told us very specifically to not do or to do right off the bat.</p>
<p><strong>Don&#8217;ts</strong></p>
<p>First of all, there are a number of pieces of information that you shouldn&#8217;t list on your resume due to legal reasons. If we can&#8217;t legally ask you the question before you accept an offer, then you should not put it on your resume. This is a bit of a grey area once we do have the information, but we are supposed to ignore it if you give it to us. Some companies might not and then quietly just not hire you, saying you didn&#8217;t meet their hiring bar or some similar garbage. I know in other places, such as countries in Europe, it is commonplace and in most cases, required, to list these pieces of information on your resume, but employment law is different in North America.</p>
<ol>
<li>Birth date in any form, whether it includes just the year, just the month and day, or all three. Your age falls into this category as well. You don&#8217;t want to be accidentally subjected to age discrimination that you can&#8217;t fight since you supplied the employer with the information.</li>
<li>Marital status. Have you heard stories of employers discriminating against people with children or who might have children soon? That&#8217;s illegal, but you&#8217;re supplying them with the information to do so if you give them this information.</li>
<li>Photo. You know how some retail stores will try to only hire attractive people? Don&#8217;t let your future software employer attempt to do that.</li>
</ol>
<p>Immigration information is also a big no-no. That being said, you should definitely ask the recruiter if the company sponsors for work visas and respond with which country you hold citizenship from if asked, but do not put that on your resume. Your resume is a document that will live in the company&#8217;s offices for a long time and in some cases, forever.</p>
<p><strong>Some general tips:</strong></p>
<ol>
<li>Don&#8217;t let your resume run for more than 2 pages. Even now, with five four-month internships and almost two years of full-time work experience under my belt, my resume sits at about a page and a half. A three-page or longer resume is just annoying.</li>
<li>Don&#8217;t describe absolutely every aspect of your jobs. Your resume is a tool to sell us on giving you an interview. If we want more details we will ask, but give us the important details on your resume. I tried to use only four bullet points for each four-month internship.</li>
<li>Don&#8217;t waste your money with printing your resume on special paper. It&#8217;s not worth it.</li>
<li>Try not to use the word &#8220;simple&#8221; when describing projects you did. You are trying to sell yourself to us! Almost all software projects are complicated &#8211; if it was simple, that just means that you stopped implementing early or you had a really narrow scope to begin with.</li>
</ol>
<p><strong>What should you do?</strong></p>
<p>Now that we&#8217;ve covered what you shouldn&#8217;t do, what should you put on your resume? How should you organize it?</p>
<p>I suggest that you use the following sections:</p>
<ol>
<li>Header</li>
<li>Objective</li>
<li>Education</li>
<li>Technical Skills</li>
<li>Relevant Work Experience</li>
<li>Relevant Projects</li>
<li>Awards and Scholarships</li>
<li>Interests</li>
</ol>
<p><span style="text-decoration: underline;">1. Header</span></p>
<p>At the top of your resume, you need to list the following pieces of information, mostly so that the potential employer can get in contact with you:</p>
<ul>
<li>Name &#8211; I recommend using your legal name, but also supplying the name that you actually go by. I list my name as Tara MiddleInitial. Clark on my resume. I don&#8217;t use my middle name, so I don&#8217;t want to list it on my resume, but listing the middle initial indicates that it is in my middle name.</li>
<li>Full street address &#8211; if you live in Canada or the US, I think it&#8217;s irrelevant to list the country since that can be determined by the city and province/state abbreviation.</li>
<li>E-mail address &#8211; probably the most important piece of information other than your name since this is often the preferred method of communication for employers these days.</li>
<li>Phone number &#8211; if you&#8217;re in school and planning on moving at some point soon, also list your parents&#8217; phone number. I actually had a company I had previously interviewed with contact me through my parents to see if I was looking for a job.</li>
<li>At my school, they strongly recommended that we list our year, term, and program in the header section of our resume. For example, in my last resume that I actually gave to potential employers (!), it says &#8220;<em>3A Honours Co-op Computer Science, Joint Honours French&#8221;</em> below my name.</li>
</ul>
<p><span style="text-decoration: underline;">2. Objective</span></p>
<p>Personally, I&#8217;ve never used an objective statement when I&#8217;ve applied for a software job. Since I would list my expected graduation on my resume and my year, term, and program in the header section of my resume, it seemed irrelevant. If you do include one, you should keep it simple. This is a good example:</p>
<p><em>I am looking for a challenging software development position, starting full-time in January 2012.</em></p>
<p>A statement like this is especially key if you&#8217;re not a Computer Science or Software Engineering major, but you want to do software development or if it isn&#8217;t immediately clear from your resume when you are available to start working.</p>
<p><span style="text-decoration: underline;">3. Education</span></p>
<p>Where this section should go is highly debatable. I think that once you&#8217;ve been working for a certain length of time, it should go after your work experience section. Others think it should always go on the top. I actually moved mine down after the work experience section after only my first co-op term. I would definitely not recommend that approach for everyone, but it worked for me. If you&#8217;re applying for jobs at a career fair at your university, I think that you should put the education section at the top because it makes it easier for the potential employer to find it.</p>
<p>In this section, you should list for each degree:</p>
<ul>
<li>The name of your university</li>
<li>The city where your university is located (and state/province and country if they can&#8217;t easily be determined)</li>
<li>When you started your studies</li>
<li>When you expect to (or did) finish your studies</li>
<li>What it will say on your diploma
<ul>
<li><em>Before you graduate</em>: Candidate for Bachelor of [Arts/Science/Mathematics/Computer Science]. Honours. Joint Honours in French. Co-operative Program.</li>
<li><em>After you graduate</em>: Bachelor of Computer Science. Honours Computer Science &amp; French, Co-operative Program. With Distinction. (This is basically word-for-word what it says on my actual diploma.)</li>
</ul>
</li>
<li>Your major average(s) and your overall GPA &#8211; I list mine in percentages because that&#8217;s how my school listed them. It&#8217;s best to pull these off your official/unofficial transcripts. Some employers don&#8217;t care about your GPA, but some do.</li>
<li>Projects that you worked on as part of a course &#8211; this is a bit of a grey area as to whether they should go under education or under a Projects section. Personally, I put anything that I worked/work on completely by myself/outside of school under a Projects section and large projects from in school under Education. It can really go either way, but I prefer how my resume looks this way.</li>
</ul>
<p>That means that you don&#8217;t need to and should not list your high school name, when you started and graduated, and any relevant courses you took. <strong>Unless</strong> you did something extraordinary, such as:</p>
<ul>
<li>You were valedictorian of your graduating class.</li>
<li>You graduated with an International Baccalaureate diploma.</li>
<li>You scored one or more 7s on your IB exams (especially in the higher level courses) or one or more 5s on your AP exams. Only list these courses, not the other ones, unless you did the full diploma.</li>
</ul>
<p>After a certain amount of work experience and/or time has passed, I would almost move these tidbits of information about your high school days to your Interests section.</p>
<p><span style="text-decoration: underline;">4. Technical Skills</span></p>
<p>I used to have this section on my resume, but I don&#8217;t anymore. It was basically just a list of all of the different types of technologies that I had used and it just magnified like crazy. I still list this information on my resume, but I adjusted some of the bullet points from my jobs, like in these examples:<span style="text-decoration: underline;"> </span></p>
<ul>
<li>Managed and implemented new requirements using PHP and MySQL for [W].</li>
<li>Fixed various UI bugs in [X] using C++.</li>
<li>Designed and implemented [Y] in Java and Perl.</li>
<li>Re-factored [Z], including new database tables and APIs in Java.</li>
</ul>
<p>I feel like the above statements are stronger than just listing various competencies because they show how I used them instead of just listing that I&#8217;ve used them. That being said, every employer is different and some will care more about the specific technologies that you have used than others will. The important part is that you list the technologies you have used somewhere on your resume, not necessarily where or how you list them.</p>
<p><span style="text-decoration: underline;">5. Relevant Work Experience</span></p>
<p>I would say that when you are just graduating, you should label this &#8220;Relevant Work Experience&#8221; to indicate that it is a subset of your work experience that the potential employer will care about. List any and all job-like positions that you have held related to software. For each job, have a heading with the employer name, job title, and start and end dates. For an internship, provide up to four bullet points describing your responsibilities and the languages and tools you used to do your job.</p>
<p>If you have no or little relevant work experience, you can have a &#8220;Work Experience&#8221; section at the bottom of your resume which indicates jobs like tutoring, camp counselor, and working at McDonald&#8217;s. Do not list more than one or two bullet points for each job. If you were a manager or crew trainer at McDonald&#8217;s, list bullet points about your responsibilities in that role, but if you were just a basic crew person, you don&#8217;t need to list any bullet points unless you feel like you did something special or really awesome.</p>
<p>After you have a certain amount of work experience, you can drop the word &#8220;Relevant&#8221; in the section heading. You could even consider dropping the word &#8220;Work&#8221; as well and just call the section &#8220;Experience&#8221;. On my resume, this section is definitely the longest section on my resume and longer than the rest of my resume (Projects, Education, and Interests) put together.</p>
<p><span style="text-decoration: underline;">6. Relevant Projects</span></p>
<p>The same discussion on the word &#8220;Relevant&#8221; can apply to this section heading. I would say that if you have zero to little relevant work experience, this is going to be the most important section on your resume. Try to list one or two bullet points per project. If it was a long project, you can list more, but no more than four is really necessary. List a name for each project, dates, who you worked with, and a website URL if there is a relevant one.</p>
<p>Even with over three years of work experience, I have a &#8220;Projects&#8221; section on my resume. It&#8217;s still relevant because I do code outside of work. I use different tools and technologies for the coding I do outside of work and it&#8217;s a different type of experience, but I feel that it is still relevant.</p>
<p><span style="text-decoration: underline;">7. Awards and Scholarships</span></p>
<p>My rule on this section is to not list anything that is more than three to five years out of date. Most of my bullet points were from when I graduated from high school and/or entrance scholarships to university. I removed this section entirely in my third year of university because I felt that it was out-of-date. If it is not out-of-date for you, then I would keep it until you leave university.</p>
<p><span style="text-decoration: underline;">8. Interests</span></p>
<p>A lot of people say that you shouldn&#8217;t have an Interests section on your resume. My view is that you should, but you should keep it short and to the point &#8211; no more than one to two printed lines per bullet point. This section is a small way to show that you are an interesting person outside of your software development skills. By the time the resume reader gets to this section, he/she should have already decided whether or not to grant you an interview, but the question of team fit is important as well.</p>
<p>I used to list all of the different ways that I was involved in curling on my resume as separate bullet points, including playing competitively in high school, coaching in the juniors&#8217; program, as well as the other sports that I actively participated in. Now I list three things:</p>
<ul>
<li>My attendance at the Grace Hopper Conference in 2009 (and soon to be 2011!).</li>
<li>My involvement in curling over two printed lines (okay, it&#8217;s three lines, but curling is really important to me!) on one bullet point.</li>
<li>The languages that I speak since I enjoy languages and English isn&#8217;t the only language I can speak.</li>
</ul>
<p><strong>Conclusion</strong></p>
<p>Your resume is the tool that you have to sell yourself to potential employers to gain an interview. If you lie on your resume, we will be able to figure it out if we interview you, so you just waste both of our time. Don&#8217;t sell yourself short, but don&#8217;t exaggerate too much. Appear confident.</p>
<p>Organize the sections on your resume in the order that the potential employer would be most likely to care about. Three years of work experience? Work experience first. Just graduating from university? Education first. No relevant work experience? Relevant projects before work experience. If you aren&#8217;t a Computer Science or Software Engineering major, you need to have sections on your resume that prove that you are looking for and qualified for a software development position if that&#8217;s what you&#8217;re looking for.</p>
<p>If your university has a career center, take advantage of it. Do a resume exchange with friends to get feedback on your resume. If you are looking for a technical role, but most of your friends aren&#8217;t, you can still ask them to check your grammar and spelling.</p>
<p><small>Disclaimer: Some of these tips may be relevant to people in other fields, but I can&#8217;t guarantee that. All of these tips are my opinion and are based on bad resumes that I have seen and the resumes of me and my friends who have a track record of obtaining good software development positions.</small></p>
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		<title>Oregon Coast Ocean</title>
		<link>http://taraclark.ca/oregon-coast-ocean/</link>
		<comments>http://taraclark.ca/oregon-coast-ocean/#comments</comments>
		<pubDate>Sat, 03 Sep 2011 23:36:55 +0000</pubDate>
		<dc:creator>Tara</dc:creator>
				<category><![CDATA[Photos]]></category>
		<category><![CDATA[Travel]]></category>

		<guid isPermaLink="false">http://taraclark.ca/?p=707</guid>
		<description><![CDATA[Taken from a view point on a roadtrip along the Oregon Coast &#8211; August 2011]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;">Taken from a view point on a roadtrip along the Oregon Coast &#8211; August 2011</p>
<p style="text-align: center;"><img class="aligncenter size-full wp-image-708" title="Pacific Ocean in Oregon" src="http://taraclark.ca/wp-content/uploads/6110154647_f1616161bf_b.jpg" alt="" width="717" height="538" /></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Simple auto-complete in Ruby on Rails</title>
		<link>http://taraclark.ca/simple-auto-complete-in-ruby-on-rails/</link>
		<comments>http://taraclark.ca/simple-auto-complete-in-ruby-on-rails/#comments</comments>
		<pubDate>Sun, 14 Aug 2011 16:08:36 +0000</pubDate>
		<dc:creator>Tara</dc:creator>
				<category><![CDATA[Ruby on Rails]]></category>
		<category><![CDATA[plugins]]></category>

		<guid isPermaLink="false">http://taraclark.ca/?p=700</guid>
		<description><![CDATA[The Slash7 tutorial on Ajaxariffic Autocomplete with Scriptaculous was helpful, but it is a bit outdated, considering that it is from 2005. You&#8217;re going to want to download the latest version of Scriptaculous directly from its website &#8211; the article links to the current version at the time of writing, in 2005. The Ruby pieces that [...]]]></description>
			<content:encoded><![CDATA[<p>The Slash7 tutorial on <a href="http://slash7.com/2005/08/13/ajaxariffic-autocomplete-with-scriptaculous/">Ajaxariffic Autocomplete with Scriptaculous</a> was helpful, but it is a bit outdated, considering that it is from 2005.</p>
<p>You&#8217;re going to want to download the latest version of <a href="http://script.aculo.us/">Scriptaculous</a> directly from its website &#8211; the article links to the current version at the time of writing, in 2005.</p>
<p>The Ruby pieces that it suggests using (<em>text_field_with_auto_complete </em>and <em>auto_complete_for</em>) were moved to <a href="https://github.com/rails/auto_complete">the auto_complete plugin</a> in Rails 2.0. You can install this using the command &#8220;ruby script/plugin install [URL on github page]&#8220;.</p>
<p>Per the plugin&#8217;s <a href="https://github.com/rails/auto_complete/wiki">wiki</a>, you need to use <em>text_field_with_auto_complete</em>&#8216;s fourth parameter, <em>:method =&gt; :get</em>, or you will continually have authentication token errors like I did and potentially be redirected to your app&#8217;s login page!</p>
<p>Editing the CSS isn&#8217;t as easy as she suggests &#8211; it&#8217;s now put directly into the page (bad design!). I took the CSS out of <em>vendor/plugins/auto_complete/lib/auto_complete_macros_helper.rb</em> (it&#8217;s near the bottom of the file in my version) and put it into my normal stylesheet, so that I could edit it more easily.</p>
<p>I didn&#8217;t like how the default CSS has the auto-complete box appearing over top of the text field, so I added the following two lines to <em>div.auto_complete</em>:</p>
<ul>
<li><em>margin-top: 15px;</em></li>
<li><em>margin-left: 8px;</em></li>
</ul>
<p>And now, I have a very simple auto-complete that populates my text field from data in the database that is already in the text field! The next steps are to figure out a) more complex auto-completion with a hidden ID field and b) how to do something based on the auto-complete result, i.e. populate other fields.</p>
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		<title>Calendar in Ruby on Rails</title>
		<link>http://taraclark.ca/calendar-in-ruby-on-rails/</link>
		<comments>http://taraclark.ca/calendar-in-ruby-on-rails/#comments</comments>
		<pubDate>Mon, 30 May 2011 14:00:01 +0000</pubDate>
		<dc:creator>Tara</dc:creator>
				<category><![CDATA[Ruby on Rails]]></category>
		<category><![CDATA[plugins]]></category>

		<guid isPermaLink="false">http://taraclark.ca/?p=580</guid>
		<description><![CDATA[One of the things that I like about working with Ruby on Rails is that it&#8217;s really easy to find a plugin for something you&#8217;re trying to do, instead of having to re-invent the wheel. Petrik de Heus has written a beautiful plugin for building a calendar using HTML: table_builder plugin on github It takes [...]]]></description>
			<content:encoded><![CDATA[<p>One of the things that I like about working with Ruby on Rails is that it&#8217;s really easy to find a plugin for something you&#8217;re trying to do, instead of having to re-invent the wheel.</p>
<p>Petrik de Heus has written a beautiful plugin for building a calendar using HTML: <a href="https://github.com/p8/table_builder">table_builder plugin on github</a></p>
<p>It takes in a collection of objects which relate to a date and builds it according to the template you specify.</p>
]]></content:encoded>
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		<title>Early 401(k) Withdrawals &#8211; Worth It for the match?</title>
		<link>http://taraclark.ca/early-401k-withdrawals-worth-it-for-the-match/</link>
		<comments>http://taraclark.ca/early-401k-withdrawals-worth-it-for-the-match/#comments</comments>
		<pubDate>Mon, 23 May 2011 14:00:42 +0000</pubDate>
		<dc:creator>Tara</dc:creator>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[401(k)]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[roth]]></category>

		<guid isPermaLink="false">http://taraclark.ca/?p=678</guid>
		<description><![CDATA[Some enter a 401(k) plan with the assumption that we will withdraw the full balance after leaving the company. Some choose to not contribute to a 401(k) plan to avoid the hassles of withdrawing it later in a lump sum. As a non-US citizen or green card holder, I do not plan on retiring in [...]]]></description>
			<content:encoded><![CDATA[<p>Some enter a 401(k) plan with the assumption that we will  withdraw the full balance after leaving the company. Some choose to not contribute to a 401(k) plan to avoid the hassles of withdrawing it later in a lump sum.</p>
<p>As a non-US citizen or green  card holder, I do not plan on retiring in the US. I am not ruling this  out, but I do not plan on retiring in the US at this time. As such, I  need to evaluate a prospective 401(k) plan differently than my American  colleagues. My evaluation isn&#8217;t simply Roth versus traditional or how to  split between the two, but also 401(k) or taxable account?</p>
<p><strong>Questions:</strong></p>
<p>(1) Will a Roth 401(k) or a traditional 401(K) offer me a better return?</p>
<p>(2) Will a taxable investment account or the 401(k) option chosen in question (1) offer me a better return?</p>
<p><strong>Assumptions:</strong></p>
<p>(1) My employer provides both a traditional and a Roth option in its 401(k) plan.</p>
<p>(2) My employer provides an identical match with both the traditional and Roth option in its 401(k) plan.</p>
<p>(3) I am in the same marginal tax rate at the time of contribution and the time of withdrawal.</p>
<p>(4) After leaving my current employer, I withdraw my entire 401(k) balance and return to Canada.</p>
<p>(5) I will leave my current employer before I turn 59 1/2.<strong></strong></p>
<p>(6)  I would contribute the same amount to the account that makes the most  sense, regardless of if it is a Roth 401(k), traditional 401(k), or  taxable investment account.</p>
<p>(7) Any additional funds beyond the  funds assumed in assumption (6) would be invested in a taxable  investment account and are outside of the scope of questions (1) and  (2).<strong></strong></p>
<p>(8) I would make the same investment choices with the same expense ratios and commissions across all three options.</p>
<p>(9) I only receive the match from my employer if I contribute to the 401(k) plan.</p>
<p><strong>Facts:</strong></p>
<p>(1) The taxable portion of the distributions from a 401(k) plan is subject to the <strong></strong>10% early withdrawal penalty.</p>
<p>(2)  The employer match is invested in a traditional 401(k) account  regardless of whether my contributions are marked as traditional or  Roth.</p>
<p>(3) A distribution from a traditional 401(k) account would be fully taxable.</p>
<p>(4) Only the earnings in a distribution from a Roth 401(k) account are taxable. (Plus the balance of the traditional portion.)</p>
<p>(5) Trading in a 401(k) plan does not incur any taxes.</p>
<p><strong>Hypothesis:</strong></p>
<p>(1)  If I do not plan on staying at my employer for long enough to be fully  vested in the match or my employer does not offer matching with its  401(k) plan, I should invest in a taxable investment account and not in  my employer&#8217;s 401(k) plan.</p>
<p>(2) Barring hypothesis (1), I should invest in my employer&#8217;s Roth 401(k) plan enough to get the full match.</p>
<p><strong>Calculations:</strong></p>
<p><em>Question (1):</em><strong><br />
</strong></p>
<p>(a)  As per facts (4) and (1), with a Roth 401(k) plan, I would only pay  taxes and the early withdrawal penalty on the earnings and  the balance of the employer match portion.</p>
<p>(b) As per facts (3)  and (1), with a traditional 401(k) plan, I would pay taxes and the early  withdrawal penalty on the entire balance of the account.</p>
<p><em>Question (2):</em></p>
<p>(a)  The employer match should be treated as additional income that  compounds and is taxed at withdrawal. By foregoing 401(k) plan, I am  essentially taking a gross pay cut in the amount of the potential match from my employer, compounded over the number of  years that I stay with my employer.</p>
<p><strong>Conclusions:</strong></p>
<p>(1)  The taxable and penalty-addressed amount in calculation (1a) is lower  than the amount in calculation (1b), thus the Roth 401(k) plan is a  better option than the traditional 401(k) plan.<strong></strong></p>
<p>(2)  Contributing enough to a Roth 401(k) plan to receive the full match  from my employer is a better return than investing solely in a taxable  investment account<strong> </strong>due to foregoing the 401(k) plan being comparable to taking a pay cut in the amount of the potential match from my employer.</p>
<p><strong>Follow-up Questions:</strong></p>
<p>(1) Is it correct that you do not pay the 10% early withdrawal penalty on Roth contributions?</p>
<p>(2)  Will contributing the maximum to a Roth 401(k) offer me a better return  than investing the same amount in a taxable investment account?</p>
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		<title>2010 in Review</title>
		<link>http://taraclark.ca/2010-in-review/</link>
		<comments>http://taraclark.ca/2010-in-review/#comments</comments>
		<pubDate>Sat, 21 May 2011 14:04:13 +0000</pubDate>
		<dc:creator>Tara</dc:creator>
				<category><![CDATA[Personal]]></category>
		<category><![CDATA[year]]></category>

		<guid isPermaLink="false">http://taraclark.ca/?p=670</guid>
		<description><![CDATA[I received my Bachelor&#8217;s degree. I had laser eye surgery, resulting in 20/15 vision after wearing glasses since the age of 7. I attended my first baby shower. I went to a Winter Olympics event. I relocated to Seattle to start a new job and furnished my first real apartment. I spent a month working [...]]]></description>
			<content:encoded><![CDATA[<ol>
<li>I received my Bachelor&#8217;s degree.</li>
<li>I had laser eye surgery, resulting in 20/15 vision after wearing glasses since the age of 7.</li>
<li>I attended my first baby shower.</li>
<li>I went to a Winter Olympics event.</li>
<li>I relocated to Seattle to start a new job and furnished my first real apartment.</li>
<li>I spent a month working in Paris in the spring.</li>
<li>I walked across the stage at my alma mater&#8217;s undergraduate commencement ceremony.</li>
<li>I spent 6 weeks working in Paris in the fall.</li>
<li>I bought a new car (my first).</li>
<li>I spent a good portion of my non-working, non-sports hours in November and December working on a personal project using Ruby on Rails that I now actively use.</li>
<li>I renewed my lease on my apartment, another first.</li>
</ol>
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		<title>Parisian Roundabout</title>
		<link>http://taraclark.ca/parisian-roundabout/</link>
		<comments>http://taraclark.ca/parisian-roundabout/#comments</comments>
		<pubDate>Thu, 23 Dec 2010 13:05:27 +0000</pubDate>
		<dc:creator>Tara</dc:creator>
				<category><![CDATA[Photos]]></category>
		<category><![CDATA[Travel]]></category>

		<guid isPermaLink="false">http://taraclark.ca/?p=574</guid>
		<description><![CDATA[A garden roundabout near the Champs Élysées in Paris &#8211; October 2010]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;">A garden roundabout near the Champs Élysées in Paris &#8211; October 2010</p>
<p style="text-align: center;"><a href="http://taraclark.ca/wp-content/uploads/IMG_0644.jpg"><img class="aligncenter size-full wp-image-577" title="IMG_0644" src="http://taraclark.ca/wp-content/uploads/IMG_0644.jpg" alt="" width="720" height="540" /></a></p>
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		<title>The powers of Mocha and Shoulda combined</title>
		<link>http://taraclark.ca/the-powers-of-mocha-and-shoulda-combined/</link>
		<comments>http://taraclark.ca/the-powers-of-mocha-and-shoulda-combined/#comments</comments>
		<pubDate>Thu, 09 Dec 2010 08:02:18 +0000</pubDate>
		<dc:creator>Tara</dc:creator>
				<category><![CDATA[Ruby on Rails]]></category>
		<category><![CDATA[functional tests]]></category>
		<category><![CDATA[mocha]]></category>
		<category><![CDATA[shoulda]]></category>
		<category><![CDATA[tests]]></category>
		<category><![CDATA[unit tests]]></category>

		<guid isPermaLink="false">http://taraclark.ca/?p=567</guid>
		<description><![CDATA[I&#8217;ve recently started using Mocha. It was pretty easy to integrate into my unit tests and sped them up somewhat. I added one line to my test_helper.rb: require 'mocha' I separated my should blocks into contexts by the mocks I needed to use and created mocks in my setup blocks: @plugin_value_mock = mock('PluginName::ClassValue') @plugin_value_mock.stubs(:value =&#62; [...]]]></description>
			<content:encoded><![CDATA[<p>I&#8217;ve recently started using Mocha. It was pretty easy to integrate into my unit tests and sped them up somewhat.</p>
<p>I added one line to my test_helper.rb:<br />
<code>require 'mocha'</code></p>
<p>I separated my should blocks into contexts by the mocks I needed to use and created mocks in my setup blocks:<br />
<code>@plugin_value_mock = mock('PluginName::ClassValue')<br />
@plugin_value_mock.stubs(:value =&gt; 5.00)</code></p>
<div>Then, in each of my should blocks, I set the necessary expects:</div>
<p><code></p>
<div>PluginName.expects(:get_ClassValue).returns([@plugin_value_mock]).once</div>
<p></code></p>
<p>It wasn&#8217;t nearly as simple for my functional tests. Before the expects, they looked like this:<br />
<code>context "GET on :index" do<br />
&nbsp;&nbsp;setup do<br />
&nbsp;&nbsp;&nbsp;&nbsp;get_as @user, :index<br />
&nbsp;&nbsp;end</p>
<p>&nbsp;&nbsp;should_respond_with :success<br />
&nbsp;&nbsp;should_assign_to :objects, :title<br />
&nbsp;&nbsp;should_render_template 'index.html.erb'<br />
end # index</code></p>
<p>I couldn&#8217;t just put the expects statements inside the should blocks like I did in the unit tests! Some quick research found the <a href="http://rubydoc.info/github/thoughtbot/shoulda/master/Shoulda/ClassMethods#before_should-instance_method">before_should</a> method, which is a beautiful solution to my problem:</p>
<p><code>context "GET on :index" do<br />
&nbsp;&nbsp;setup do<br />
&nbsp;&nbsp;&nbsp;&nbsp;get_as @user, :index<br />
&nbsp;&nbsp;end</p>
<p>&nbsp;&nbsp;before_should "get all values" do<br />
&nbsp;&nbsp;&nbsp;&nbsp;PluginName.expects(:get_values).returns(@standard_value_mock).once<br />
&nbsp;&nbsp;&nbsp;&nbsp;PluginName.expects(:get_ClassValue).returns([@plugin_value_mock]).at_least_once<br />
&nbsp;&nbsp;end</p>
<p>&nbsp;&nbsp;should_respond_with :success<br />
&nbsp;&nbsp;should_assign_to :objects, :title,<br />
&nbsp;&nbsp;should_render_template 'index.html.erb'<br />
end # index</code></p>
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