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Final exam coming.. please don't sick now.. sobss..
Yesterday don't know why suddenly fall sick.. during account class, I don't feel well already..
Straight went up to sleep after I reached home.. My body's temperature were so hot after I got up.. >.<" but still.. have to finish up my dear speech.. haizz.. have to get my body off from bed also..
well.. speech.. can say done already.. but I felt that it's too long.. T_T need to cut short it.. because i got a 47s video somemore leh.. and my total speech is 1200++ words.. scare later exceed time lo.. slides haven't kao tim somemore.. go college only do ba..
Today, I felt much more better already.. hope I will recover soon ba.. ^^
Hmm.. You are tired of what? sick of it?
You know what.. I'm tired of explaining..
Are you sort of like Mr. Jekyll and Hyde?? Whereby you have two personality??
because.. seems that your mood.. will keep changing de.. today A, tomorrow B.. the next day A back..
Anyway.. what I suppose to say, I also told you before many thousand billions times already..
It's up to you whether how you wanna take it.. take care of yourself ba.. don't forget FINAL EXAM is around the corner already.. that's what most important right now...


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Welton Sangwin Jr.
Wed, 09/11/2019 - 12:00am
Welton Gene Sangwin Jr., 51, of Rose Hill Acres, passed away Friday, September 6, 2019 in Orange.
Memorial service was Tuesday, September 10 at Faith and Family Funeral Home in Batson.
Born in Kountze, he was an ironworker for many years.
Survivors include brother, James Allen Sangwin Sr. and wife Becky of Saratoga; and sisters, Mandy Parker and husband Neil of Village Mills and Diane Noble of Silsbee.

subset: commoncrawl


text:
Denver, CO 80206
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It is the spectacular light show seen by thousands up and down the East Coast. Those that did not see the spectacle in the heavens with their very own eyes captured what's believed to be a meteor on video.
"To be honest with you, I sort of received startled as a result of you already know what, I've never seen it. I've never seen anything like that in my complete 49 years of life," stated Samuel Rodriguez from Bristol Borough, Pa.
Rodriguez was shocked to see the fireball lighting up the night sky on his Ring Home Security Camera along with his spouse Joy.
"It simply seemed like a giant ball of clear light shooting right out of the sky after which it changes like certain colors, like blue and green and boom it was gone, that quick," Rodriguez says.
The American Meteor Society says it has obtained over 300 reviews of individuals recognizing the flash in the sky around 11 p.m. on Wednesday. Sightings came in from North Carolina to Maine. Our producer, Jenny Heller, even captured the light show on her dash digital camera in Wynnewood. The video was captured in Rhode Island as the large light danced in the sky, and a clip was taken in Massachusetts of the spectacular light show. Rodriquez says his security camera has caught the occasional skunk or fox however nothing this thrilling.


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Yes, my slingbox died after 3 years of good service. Of course, it dies also just as Sling releases a mobile app for Android. I did hope that my search on multiple forums for possible fixes would work. The only possible solution was a new adapter to which I purchased and it didn't work. I'm holding out though on buying a new one until I hear more about Google TV that is hopefully going to be released by the end of this year. Word is that the set top box that goes with it, being produced by Logitech, is currently in the hands of the FCC.
So what do I do in the meantime? Well, luckily, my very large cable and internet bill with Comcast has also the additional benefit of allowing me to access ESPN3 online. The quality I have to say is pretty nice, although it does fluctuate every now and then, and I don't believe it's as clear as the live streams that the PGA and IBM offer during the Masters and the U.S. Open (also available to everyone). So far, it's been great to watch March Madness, the World Cup, and the acclaimed 11 hour Wimbledon tennis match while I am at work. No, that's not why I have dual monitors and yes, I was like the only person in my office who had to stay at my desk during the USA/Algeria game while everyone else went out to the nearby sports bar to watch it. Speaking of which, time for me to login for the Germany/Spain game.


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View all the services available for students of the Institute
Study with us
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Services to support your business
Many of the techniques that underpin financial management were developed in conditions of stability.
This course is provided by a third party provider
accountingcpd.net and the fee charged is exclusive of VAT. Training
tickets are not applicable on this
Yet the last ten years have been marked by increasing and unprecedented turbulence. This new peer-enriched learning course focuses on the dynamics of financial management. Learners will be prompted to think through how the volatility which characterises today's business environment has affected their particular enterprise, and how they are, or might be, responding.
Financial Management in Turbulent Times is a peer-enriched learning course. These courses stimulate intelligent dialogue and debate and provide a valuable and evolving resource of professional knowledge and experience. Each module is split into two activities. The first encourages learners to think about a topic, drawing on their own professional experience and knowledge. The second helps learners to put ideas and/or theories into practice as part of their day-to-day work.
Financial Management in Turbulent Times enables the learner to:
The place of finance in the organisation
Financial objectives
Investment capital
Working capital
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KURANI KERIM. Arabisht - shqip. Albanian Translation of The Holy Quran. Përkthim e Komentim e bëri. Muhammad Zakaria Khan. First Published in U.K in . Shkarko/Kuran/Shqip. Sitemap. Shkarko/Kuran/Shqip. Č. Updating Ċ. Kurani-. pdf. (k). Flamur Babatinca,. Jul 25, , AM. v.1 · ď. Ċ. Kurani-Shqip. Download Kuran Shqip apk and all version history for Android. Përkthim falas Sherif Ahmeti ka përkthyer Kuranin e Shenjtë në vitin Kurani.
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In an August earnings call, Pizza Hut's parent company announced that it may permanently close up to 400 restaurants or convert them to take-out only locations.
The closures have recently hit Berks County locations.
A sign on the front door at Pizza Hut's location at 2920 Penn Ave., Spring Township, said the restaurant was permanently closed.
On the other hand, a sign on the door at 401 Madison Ave., Muhlenberg Township, said it was "temporarily" closed.
Pizza Hut also has Berks locations in Exeter Township, Shillington and Tilden Township. All were marked "permanently closed" as well.
According to Berks County real estate records, the locations are owned by Rohan Properties LLC, based in Newtown, Bucks County. Calls to the company's office were not returned.
According to Pizza Hut's website on Tuesday morning, Oct. 15, no locations in Berks were listed. It directed pizza-loving customers to locations in Ephrata, Lebanon, Pottsville or Allentown.
A location near Boyertown in Gilbertsville, Montgomery County, also is closed.
On Aug. 1, Yum! Brands announced that it is planning to phase out many of its Pizza Hut dine-in locations, which account for 3,000 of its 7,500 locations, over the next two years.
"We have a lot of stores that were built in the right spot when they opened 30 or 40 years ago," David Gibbs, chief operating officer for Yum! Brands, said on the earnings call. "But they are not in the right spot today for a modern delivery asset.
"If we can get those stores closed and put in the right trade area for delivery, obviously there's going to be upside to sales for those units and better economics for the franchisee, better system sales, and a better image to our customer."
Yum! Brands also owns Taco Bell and KFC.


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An exciting and progressive fighter. A regular on the podium, member of the WAKO GB Squad and member of the Team Wessex competition squad.
Andy trains and competes regularly. He has a natural side kick and his blitzing attacks are becoming more and more ferocious and surgical. A regular on the tournament scene and now representing Team GB in the Veterans -84Kg category
Rob is a foundation member of the club, current WAKO European champion in the Veteran -63Kg section and member of the Team GB squad. He has speed and agility and enjoys the sparring aspects of training. Rob is always ready with a joke or a funny comment and keeps club members morale and confidence high.
Rory joined the club just over two years ago. Over the years he's trained in several non competitive martial arts but has now found his niche. A constant on the podium through the intermediate ranks he now competes in the Veterans. Achievements include: • Gold Bristol Open 2018 Veteran -74Kg points fighting • Silver Irish Open 2019 Veteran -74Kg points fighting


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Rosalie Carver
BCRMTA, ARCT, Performer, Recording Artist
Rosalie is a member of the BC Registered Music Teachers Association (BCRMTA). She joined the association in 1997 after receiving her Associate for the Royal Conservatory of Toronto (ARCT) diploma.
Founder and director of the West Coast Fiddleheads, Rosalie's appreciation for the orchestra began with her afficiation with the Vancouver Corelli Strings, under the direction of Ona Cropper at the age of 10. Lessons began 2 years prior, with Ona. She worked her way up the ranks to the position of concert master, featured soloist and associate director. In her early teens, she was a member of the Vancouver Junior Philharmonic String Orchestra under the direction of Douglas Stewart. In smaller groups Rosalie received instruction at fiddle workshops from well-known Irish Fiddlers, Kevin Burke, Liz Carroll and Cape Breton Fiddler, Gillian Boucher and Scottish Fiddlers, Adam Sutherland and Alistair Fraser.
Rosalie is a member of the well established celtic group, Blackthorn, who perform in the lower mainland and abroad. They have recorded 4 albums which include a number of Rosalie's compositions.
Rosalie performed with The Carpenter's Son (and recorded on 2 albums), The Squid Jiggers, Sunshine and You, The Streels, The Halifax Wharf Rats and currently with Triskellion. You can find this gypsy fiddler hanging around at the sessions in Vancouver at Dentry's and Johnny Fox's Irish Snug.
Aside from teaching private lessons, group lessons and instructing the West Coast Fiddleheads, Rosalie holds workshops throughout the lower mainland. Past workshops include: Georgia Strait Guitar Workshop, The Moveable Music School and the Vancouver Fiddle Orchestra.
Other adventures (past and current):
Violinist in the choir for Mother Teresa's celebrated visit to Vancouver.
Choir director at Holy Rosary Cathedral (1987 - 1990)
10 years involved as a music and arts specialist, counsellor and camp director at Camp Latona, Gambier Island, BC.
Recording project for the Pacific National Exhibition Equestrian show (2003)
Performer at the Pumpkin Patch in Richmond, BC
Christmas performances at Burnaby Village Museum
CelticFest Vancouver
Private functions: weddings, wakes, anniversaries and birthday parties
For more information, please contact Rosalie:
Tel: 604.323.1712


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Huge Investment in Swansea Law School Boosts Legal Tech and Innovation
A large investment in Swansea University's Law School will further enhance its excellent reputation for applied research on cyber terrorism and terrorists' use of the internet. The £5.6 million in funding was announced by Swansea University and the Welsh government in the areas of LegalTech and Access to Justice, as well as in countering terrorist and criminal use of the internet.
Legal Innovation Lab Wales, will be housed in the University's Hillary Rodham Clinton School of Law. It is backed by £4 million of funding from the European Regional Development Fund through the Welsh Government.
The project will deliver a range of cutting edge facilities, including:
- A cyber-threats research suite, with data research laboratories and facilities that support collaboration with partners such as security agencies, law enforcement and technology companies.
- A "Legal AI" laboratory where researchers in Law and Computer Science can develop, test and apply new techniques in artificial intelligence, machine learning, legal design and natural language processing, t0 improve efficiencies in legal service delivery.
- A Legal Innovation Centre where law firms and technology companies can work with researchers and with a software development team, on the development of innovative products and services.
- A Law Clinic where LegalTech innovation and collaboration can be piloted, leading to the deployment of applications and platforms that support access to justice.
The funding also supports the appointment of new researchers to work with law firms, technology companies and security organisations with the aim of:
- Maximising opportunities for research and development in the emerging LegalTech sector.
- Deploying digital products and services that help communities to access legal guidance and information.
- Developing toolkits and frameworks to mitigate the risk of online platforms and social media being exploited by criminals and terrorists.


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Splitted signal via Monitor out, looks no different than original straight from machine. I'm now full LCD. That's actually what I meant. Because superwide p is simply more flexible. I'm the opposite however of liking Trinitron tubes sort of. Recycle and move on.
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Fri Oct 24, 2: There is no material that is knowingly illegal here.
Click [here] to see my "I just gotta have it"' list! Those were awesome screens back in the day but they're done.
22″ Mitsubishi Diamondtron — Just junk it?
It's worth the money if you need the gaming speed It's worth the money if you need the gaming speed by Lori Grunin.
Cyber Monday Office Depot deals: Fri Oct 24, 3: That looks just like the DF I'm using.
I do like having a high quality CRT to go along with the scanlines. Any light of any volume falling on the screen would immediately kill the contrast ratio. Fri Oct 24, 6: Why xp with inserted scanlines instead of real xp, you ask? Apr 26, Posts: About ten years ago when I bought my first 24″ LCDs for space reasons, I stuck my three Diamondtrons in storage hoping I could get mnoitor to using them someday as I felt monihor image was better.
22″ Mitsubishi Diamondtron — Just junk it? – Ars Technica OpenForum
Interface Required Connector Type. Arcade CRTs, while still sharp, don't have nearly as pronounced black spaces, not to mention they were usually shadow mask types rather than aperture grille. Granted, untouched "true" p tends to be brighter, diammondtron again, dealing with the frame doubling with black frame insertion halves the nv anyway, so there's no real advantage in the end.
Sun Nov 02, 3: These are the main reasons I want a scanline generator for my line doubler, so I can play my NES with native cvbs while looking great, but with scanlines. He can only monitor the original signal when he's using RGB out.
Mitsubishi Diamond Pro u NF – CRT monitor – 22″ Overview – CNET
I actually get siamondtron stuff in Aki, but I believe you can order the same type of stuff from Solaris Japan including the Framemeister. A single superwide resolution, however, covers all bases once corrected back down to 4: Be respectful, keep it civil and stay on topic. Too heavy, old connectivity. May 14, Posts: He said he had problems with the 60hz line scrolling on camera and it couldn't focus; what a dumb arse.
Sep 24, Posts: Ars Tribunus Militum et Subscriptor. You would be surprised how quickly they disappear. Fri Oct 31, 1: There are others out there as well, but that one is the most "known" for the job.
Not all the time but it does happen. You seem to have some good quality images there with the samsung DF.
Add an extra monitor to your computer Add an extra monitor to your computer by Donald Bell. Factory Preset Resolution Modes.
There are others than the Framemeister, it's very much the Cadillac of the devices. The doubler doesn't split the image it only passes it through.


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I am filling a niche market need by offering services that are temporary in nature and best served by an individual with a background of professional and business management skills.
As an Entrepreneur, I was the President and CEO of Angeles Electric, an LA based premier commercial/industrial electrical contracting company. I was also a part owner and director of 4-car washes that were located in 3-states. I am currently Sole Manager of Management Business Solutions of California, LLC. As a Professional in California, I am a currently licensed as an Attorney, Real Estate Broker, and Insurance Broker. As a Trustee, I have served for many years on various Union pension plans and health trusts. Throughout the years I have been a Director for many organizations.
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The project may have an array of sensitive issues that are better handled by an outside individual who is not under peer pressure to reveal the facts and circumstances surrounding the current challenge.
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If you have these types of issues, I may have the solution.


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Tuesday 24th October 7:30pm
Jim Burrows and Frances Kay present a double bill of new and furious performance
FK vs. KT and STRANGE LOOP
In FK vs. KT Frances Kay explores the sense of self, and the ways through which creative identity can be torn apart by pride and political opinion.
Over 40 minutes, this neo-drag autobiographical work explores how personalities can be skewed by patriotism, affected by loyalty and destroyed by fanaticism. Brexit (n.): an issue that is tearing us apart (literally). An exploration of what could be lost, and what could be gained.
STRANGE LOOP is a psychoanalyst's wet-dream. It's a postmodern p**s-take. It's a closed circuit, baby.
We find ourselves lost in a dark, mythopoetic labyrinth; a twisted warren of pop-culture reference; a kaleidoscopic cavern of queerness and the uncanny. This interdisciplinary work loops ceaselessly through spoken word, lip-sync, 80's synthwave, Expressionist horror, and other… Stranger Things.
Join Burrows and Kay for an evening of experimental new performances bound together in a queering of the contemporary moment. Supported by R&D at Edge Hill University and The University of Huddersfield.
Performances contain graphic content and nudity.
Tickets: £10 / £8 concs / £5 EHU students
FREE for EHU students who have signed up to The Arts Centre's free membership scheme


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Man Finds New Companion With Same Name as Ex-Girlfriend
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Looks like there's a happy ending to the sad tale of the boyfriend who was dumped by his girlfriend and left with a round-the-world itinerary in her name: he's now found a (platonic) taker for the free trip, a young woman with the same nationality and name.
Jordan Axani, a 28-year-old guy from Toronto, recently parted ways with one Elizabeth Gallagher before the couple could take an already-ticketed trip around the world. The tickets came with a strict no-transfer policy, but as no passport information was required for booking, he realized he could theoretically give the ticket away to any woman who shared his ex's exact name and nationality. He took to Reddit to search for any Canadian woman named Elizabeth Gallagher who would be willing to go along for the journey, and among the thousands of emails he received were 18 from actual Elizabeth Gallaghers with Canadian passports.
He has since chosen one—a 23 year-old student and part-time office administrator named Elizabeth Quinn Gallagher from Cole Harbour, Nova Scotia—to be his travel partner. Prior to this decision, Gallagher and Axani spent several hours on the phone getting to know each other, and have agreed that their trip will be platonic, as this Gallagher already has her own serious boyfriend. A boyfriend, by the way, who sounds more begrudgingly patient than outright thrilled that his girlfriend will soon be traveling the world with a random guy.
The 21-day journey of Axani and Gallagher 2.0 is scheduled to begin on December 21, 2014 in New York City, and will continue on to Milan, Prague, Paris, Bangkok and New Delhi before ending in Toronto on January 12, 2015. After his breakup, Axani stopped making plans for the trip, including hotel reservations. However, seizing the opportunity for some good press, Marriott offered free (and separate) rooms to the pair for their entire itinerary. Axani apparently plans to take a lot of photos and share his travel adventures on his blog and Twitter.
Inspired by the outpouring of emotional, heartfelt emails he received from his Reddit posting, Axani and his brother Shaun have created an organization called A Ticket Forward to help people who want to see the world but lack the finances to do so. I love this idea, though I can't help but hope that such an impassioned traveler will soon brush up on his points and miles strategy—and find himself a devoted girlfriend.
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Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


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Let's help them out to go to the competition
The guys from the Mathematics Olympics Team are in a fundraiser. Now is to assist to the V Ibero-American Inter-universitary Math Competition (CIIM because of its initials in Spanish). The competition will be in Armenia, Colombia the 15th to the 20th October, 2013.
If want to help them out, all the information is right here. I will let a blog widget meanwhile the campaign is open.
Good luck guys!


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Fiesta Spectacular NYE 2019
Mon 31 Dec 2018 @ Vue Beach Club (Bali) (Bali › Canggu)
Join us as the sun goes down and as the sun comes up as we say goodbye to 2018 and hello to 2019.
Book your table with our delectable mexican inspired buffet menu and enjoy the view of new years fireworks up the Indian Ocean.
Fiesta Espectacular Dinner
starts from 6pm - 9pm
IDR 999,000++ / adult
(Children 6 - 12 years old 50% off) *This package includes the entrance of the NYE party.
Fiesta Espectacular Countdown Party
starts from 9pm - late
IDR 200,000 nett (include choices of beer/soft drink or juice)
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First Brunch of The Year (NYD)
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Dobies Growing Guides
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Easy assembly. 3.5mm polycarbonate Safety shatterproof material for maximum insulation and heat retention over winter. Ventilation post opens fully for easy access. Can be used directly on the ground. Please note: Not suitable for WallHugger VegTrugs and Planter not included. Dimensions: 105 x 76 x 46cm. Available in two sizes and two finishes: 1m, 1.8m. Natural or Greywash.
Code: 783467
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Code: 592466
Code: 783964
All Dobies products should reach you in perfect condition, just as they left us. If you are dissatisfied in any way with their condition on arrival, please let us know within 14 days. We are only liable for the cost of the goods as quoted on the website plus the cost of delivery if the goods are faulty.
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Dobies, Long Road, Paignton, Devon TQ4 7SX


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Diagnosis of Cushing's Syndrome can be difficult with non-specific and varying symptoms seen among patients. This section will support you by providing information on diagnosis and how to differentiate between causal factors. A wide range of tests are discussed, used to gradually hone in on the specific cause of that particular case of Cushing's syndrome, such as the 24-hour urinary free cortisol test, the late-night salivary cortisol test, MRI/CT scans and the desmopressin test.
Clinical signs and symptoms prompt a series of tests, which are outlined here, to provide an initial diagnosis of Cushing's Syndrome.
Blood tests, MRI and CT scans combined are used to differentiate the CS diagnosis to better understand the cause of the condition. Explore a comprehensive list explaining these investigations here.
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Anticoagulation Therapy for Stroke Prevention
Chronic Lymphocytic Leukaemia (CLL)
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Greater Shepparton disability advisory committee nominations openBy Shepparton News
Greater Shepparton City Council is calling for nominations for the disability advisory committee, which is expected to contribute to "positive changes" in the community.
The committee represents people from a broad range of backgrounds and provides advice and assistance for a range of council activities, including ways to promote access and inclusion in Greater Shepparton.
It includes people with disabilities, industry service providers and a nominated councillor. Council staff members provide administrative support for the committee.
Council director community Kaye Thomson said there was one community representative position and one service provider position available on the committee.
"Committee members will be elected for a nine-month term, with the committee meetings occurring monthly (excluding January)," she said.
"The committee advises council on issues people with a disability and their carers face in the community. Council and the disability advisory committee are committed to providing an accessible and inclusive community for all."
Nominations will be received until 5pm on Friday, September 20.
Forms and more information can be found on the Greater Shepparton City Council website or at the council offices at 90 Welsford St, Shepparton.
Verbal nominations can be made by phoning the access and inclusion officer on 5832 9700.


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Solu 365® – The spirit of Office 365 Teams
Teams has become a central tool alongside Outlook and SharePoint. Teams offers easy-to-use tools for modern teamwork, for example, for multilateral and multi-channelled conversation and online meetings.
The Office 365 Group behind each Teams team unites and makes a number of services available for group members, such as the SharePoint team page and Planner for managing group tasks. The group model offers many possibilities, but also much to be considered regarding organisational practices and utilising data models.
The Solu 365®, designed by Solu Digital together with its clients, strengthens an organisation's own data model. With it, you can create groups to match operational situations typical to your own organisation, as well as your own data model. With the Solu 365® solution, you can guarantee easy team management for your entire organisation, transparently and securely.
Solu 365® offers a form for creating groups, a porftolio view of the groups, and a report view of the created groups for the root user. You can create groups for different purposes, for example, internal groups, project groups, and partnership groups. Services such as Teams, the SharePoint page, and Planner will be modified based on user needs, to become part of teamwork.
Do you want to hear more about team solutions? Contact Henry, or read more here.
Henry Scheinin
Managing Consultant, Partner


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Celtic urge police to act over Rangers song
John Reid, the Celtic Park chairman, has again condemned the singing of a 'vile, racist' chant by the Ibrox club's supporters
John Reid, the Celtic chairman, used yesterday's annual general meeting to once again condemn the singing of the Famine Song by Rangers fans and said it was up to the police to take action.
Addressing shareholders at Celtic Park, Reid branded the song "vile, vicious and racist", while urging the authorities to take the necessary action against those who continue to indulge in offensive chanting at football matches.
The Famine Song - sung to the tune of the Beach Boys' hit Sloop John B - is aimed at Celtic fans who claim Irish heritage and includes the line "The famine's over why don't you go home?" in reference to the famine in Ireland during the 1840s.
But Reid also appealed to Celtic fans to practice…


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As a teenager Darcy was an enthusiastic artist, constantly drawing, until a series of discouragements and serious life changes led to them unfortunately quitting this pursuit. As an adult Darcy has now rekindled their love of art and has been working hard for the last few months to learn about art practice and theory. The result is an art process that is ever-improving and a passion for experimenting with art styles and mediums.
Welcome to my website. I hope you have a smashing stay!
Ey up! I'm Darcy, the creator and owner of riotcakes.
My business was founded to make the world a brighter place and help dismantle oppression. With cute, colourful and positive products for LGBTQ* people and feminists I focus on the topics where I can make the most impact. Everyone has the capacity to do good inside of them and I strive to make my business the place where people can always find some positivity, validation and empowerment.
This business is entirely run by me, from creating the designs and running the website to marketing and packaging orders, and it means everything to me. I'm a queer feminist introverted anxious nerd doing their best to spread positivity and show that there's good worth fighting for. Whenever you buy something from my shop, you are supporting my dream.
Any questions? Check out my FAQ and Contact pages!
Wanna follow the riotcakes journey? Sign up for my newsletter or follow me on social media!
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Hey everybody, my name is Colin Jensen. I'm a junior (almost) professional writer.Writing has always been a strong point of mine as I'm, so I call it, mathematically impaired. Before taking Advanced Composition I had never had any interest in food writing. My family was always very enthusiastic about making sure we shared fresh, home-cooked dinners together, and it took a semester of food writing for me to realize the impact this had on my life. Now being a food expert (obviously) I can appreciate all of the ways that food can affect someone's life, from bringing happiness to changing a lifestyle. I myself am less than picky when it comes to eating; I've been raised to appreciate food for what it is. It's a luxury. I hope to take what I've learned from advanced composition into my future as a copywriter.
Recent Posts


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Every year I get the privilege to photograph this family and it just gets sweeter and more fun each time! We hung out in the cornfield, checked out the corn to see how ready it was to harvest, then we headed down to the river! The kids fished and skipped rocks and we even roasted marshmallows till the sun was long gone.
Matt + Alyssa are one of those couples who are a little quiet but their love for each other radiates from their faces. They are so sweet and fun and just absolutely in love with each other. Their joy was so contagious! Plus, there were COWS and hay bales and a gorgeous sunset and did I mention cows?! When I got into the car that night my heart was just so full!
Gunner's "guess date" was February 2nd, yes Groundhog Day! This guy decided to come a bit past his due date but only barely! He had a fast and furious entry into our arms and he hasn't stopped since!
the birth story of sweet Emery Drew! It was a rainy May morning when I got the call that it would be the day! …
I love all births but this one is extra special. You see, Caitlin and Tyler are my first bride and groom to book me for their birth story. I can't really put into words how much it means to me that a couple would continue to trust me again and again with some of the most special memories in their life.
I'm back again! And it's with another beautiful birth story!!
This one is so special to me because Em is one of my closest friends and our friendship actually grew because of our passion for healthy living, organic foods, home/natural birth, and of course, Jesus!
Since I'm a wedding photographer, it always seems that the births I document happen to be in the fall and early winter. It works well that way. I get my fill of spring and summer weddings then I get a lovely dose of beautiful babies being born in the fall and winter. That's not to […]
On Saturday morning, December 12, I woke up at 5:25 a.m. to my phone buzzing. Normally, I sleep like a rock, but the day before, I got a very exciting text saying that Cala was having contractions; so when the phone buzzed I was already expecting "the call." I answered quietly so I wouldn't wake up Mike and Ellie. I was greeted with a very perky, "Hey Emily! How ya doing? You ready to take some pictures?!"
Two weeks ago I woke up excited, knowing that it was the day that Joanna and Josh were going to welcome their little boy into the world. I already had a text on my phone saying that things were moving along at a good pace so I hopped out of bed (carefully, so I wouldn't […]
Emily Rogers: Photographer | Creative Portrait + Wedding Photographer | Ellie's Birth Story


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More Shows by Associated Press
DiCaprio, Pitt, more pose for Oscar nominee class photo
The 2020 Oscar nominees pose for a class photo at the annual luncheon, ahead of the ceremony on February 10.
AP source: Americans return from China virus zone
An airplane that a federal official said was evacuating as many as 240 Americans from a Chinese city at the center of a virus outbreak landed in Anchorage, Alaska late Tuesday. The passengers are going through multiple medical screenings.
Stuck inside, Chinese get creative to beat boredom
Chinese people confined to their homes either by choice or by order are making the best of the situation as cities remained in lockdown in a desperate bid to contain a new, dangerous virus.
Biden in Iowa: caucus for me, ruin Trump's night
Democratic presidential candidate Joe Biden says Republicans are bringing up his name in the Trump impeachment trial because President Trump doesn't want to run against him.
Pastor's fight against KKK becomes a movie
A South Carolina pastor wants to make a shrine of reconciliation out of a store that once sold racist merchandise and had a Ku Klux Klan museum. Rev. David Kennedy obtained historic theater building that housed The Redneck Shop in Laurens, SC.
Houston airport to start coronavirus screenings
Houston Bush Intercontinental is one of 15 airports nationwide at which the Centers for Disease Control and Prevention plan to expand screenings for the coronavirus.
Today in History for January 29th
Highlights of Today in History: President George W. Bush warns terrorists still threaten United States;bomb rocks an abortion clinic in Birmingham;"The Raven" is first published; Ty Cobb named hall of famer;Oprah Winfrey is born
Astronaut to return home after 11 months in space
After nearly 11 months onboard the International Space Station, NASA astronaut Christina Koch can't wait to dig into some salsa and chips, and swim and surf in the Gulf of Mexico. She holds the record for the longest spaceflight by a woman.
CT man accused of killing wife airlifted to NY
A Connecticut man charged with murdering his estranged wife has been rushed to the hospital after being treated for carbon monoxide poisoning. Fotis Dulos was found when police officers went to his house in Farmington for a welfare check.
AP Top Stories January 28
Here's the latest for Tuesday, January 28th: Trump defense team argues against calling Bolton during impeachment; Palestinians reject Trump's peace plan; U.S. health officials expand China travel advisory; Hybrid fitness a huge hit in Hollywood.
Schiff: Trump's defense reeling from Bolton's book
Lead impeachment manager Rep. Adam Schiff says the abrupt ending of the President Donald Trump's defense team today in the Senate shows "they are still reeling from the revelation of John Bolton's book and what he has to say."
Schumer calls on GOP senators to rise to occasion
President Donald Trump's legal team argued against the relevance of testimony from Trump's former national security adviser John Bolton on Tuesday while the Senate braced for debate on whether to summon witnesses into the impeachment trial.
Trump legal team wraps up opening arguments
President Donald Trump's legal team has concluded their defense in his impeachment trial. They are depicting a president being hounded by investigations. The Senate is now braced for debate on whether to allow witnesses to testify.
China confirms 4,500 cases of new virus
China has confirmed more than 4,500 cases of a new virus, with 106 deaths. Most have been in the central city of Wuhan where the outbreak began in December.
WNBA player Katie Lou Samuelson on Bryant's role
WNBA player Katie Lou Samuelson remembers Kobe Bryant as a friend and mentor, not just for her but for many in women's basketball.
Trump Mideast plan calls for Palestinian state
President Donald Trump's long-awaited Middle East peace plan calls for the creation of a State of Palestine with its capital in portions of east Jerusalem. A plan which strongly favors Israel, the Palestinians have already say no to.
Lawyer: framers said few offenses are impeachable
President Donald Trump's legal team was presenting its final day of arguments in his impeachment trial Tuesday as Republicans wrestled with whether to allow witnesses, including John Bolton who appeared ready to contradict a key Trump claim.
Senate Democrats continue call for trial witnesses
Top Senate Democrat, Chuck Schumer calling for witnesses, says Former National Security Adviser John Bolton has relevant testimony that "gets to the heart' of the impeachment and Republicans call for Hunter Biden adds nothing to the proceedings.
Officials: More coronavirus cases 'likely' in US
Top U.S. health officials say more confirmed cases of the coronavirus are likely to turn up in the U.S., but they assess the immediate health risk to the general public as low because they have not tracked any spread of the virus in U.S. communit...
AP probe raises doubts about murder conviction
Myon Burrell has served more than 17 years for the shooting of an 11-year-old girl _ a case originally prosecuted by presidential candidate Amy Klobuchar. But an Associated Press investigation uncovered myriad inconsistencies in the case.
On This Day: 28 January 2010
After 14 years in LA, the Grammy Awards returned to New York for one night only.
Sam Mendes' 'perfect storm'
Oscar-nominated director Sam Mendes talks about his film "1917" launching at the perfect time in the awards season calendar and how that's helped its box office takings.
Gerwig: number of women directors 'still not where it needs to be'
At the Oscar Luncheon, Greta Gerwig talks about focusing on work rather than accolades, working on increasing women's participation in movies and inspiring future generations.


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State & Federal
The following resources can be used to search verdicts and settlements across multiple state and federal jurisdictions.
Online Resources
Jury Verdict Review & Analysis
Subscription service. Offers a selection of case summaries for free, but must have a subscription to search and/or view full case reports.
Contains over 120,000 completed civil cases reported in various Jury Verdict Review & Analysis publications since 1980.
VerdictSearch ALM Media
Subscription service. Free 24 hour trial available.
VerdictSearch.com gives users access to a database of over 200,000 detailed case reports from around the nation. Users can perform a text search or use 15 separate search criteria, including injury, case type, name, jurisdiction, and expert.
Onsite Westlaw
Jury Verdicts & Settlements
Available on the library's Westlaw computers. Contains jury verdicts, judgments, settlements, and arbitrations from U.S. state and federal courts. Coverage varies by source. See scope notes for more information.
Use the By Circuit, By State, and By Topic links to restrict the search to a specific circuit, state, or topic. Award amount restrictions can be selected by filtering the search results. Select results may be unavailable due to licensing restrictions.
Print Resources
The National Jury Verdict Review and Analysis Jury Verdict Review Publications
Library has vol. 3 (1987/88) - vol. 29 (2014). Includes annual index.


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Yyyyyy x. yyyyyy
0000 xxxxxx xxxx , xxxx , xxxxx 00000
SSN: xxx-xx-xxxx
Country of Citizenship: United States
Security Clearance:
Position Title: Testing Clerk
Vacancy Announcement:
Core Competencies
Classroom Instruction, Test Development and Administration, Test Grading, Course Curriculum Restructuring, Student Advisement, Student Progress Assessment, Report Processing, Data Report Development, Confidentiality Maintenance, HIPAA, Promotions, Transfers, Retirements, Separations, Status Document Preparation, Senior Staff Advisement/Guidance
Professional Experience
August 2017 Present
Cognition, LLC
Manassas, VA
Hours Worked per Week: 80
Salary: N/A
Supervisor: Charles Snead Phone xxx-xxx-xxxx May Contact
Technical Instructor
Considered as Subject Matter Expert (SME) with responsibilities for instructing seven residential/ten mobility transitional classes on the Transportation Coordinators Automated Information for Movement System (TC-AIMS II) and the Global Air Transportation Execution System (GATES) to over 360 Logistics Management Interns/contractors and military Army, Navy, and Marine Corps personnel. Administer testing, evaluate examinations, provide remedial instruction, counsel individuals concerning their educational progress and monitor in-class student work.
Identify and requisition needed materials/other training equipment, surface methods for improving course content/delivery, and deliver appropriate recommendations to divisional/regimental/Army Training and Doctrine Command program administrators. Also diligently compile relevant data regarding student progress/course administration and submit comprehensive reports.
June 2015 August 2016
United States Army Central Command
Shaw AFB, SC
Hours Worked per Week: 40
Salary: N/A
Supervisor: Vanessa Cudjoe Phone: 1.910.476.9868 May Contact
Human Resources Specialist
Yyyyyy x. yyyyyy Page 2 of 4
Effectively processed documentation/reports for 600+ personnel; assembled/analyzed data and submitted employee data reports, ensuring maintenance of confidentiality at all times in alignment with national standards/requirements as part of the HIPAA Privacy Act. Uploaded pertinent data into personnel databases, including information on promotions, transfers, retirements and separations. Diligently prepared status documents/reports as directed and continually followed-through to ensure accurate and timely processing. Provided guidance/advisement to operations managers/senior staff concerning policies/actions required to properly assign positions to incoming personnel.
May 2013 May 2015
United States Army Transportation School
Fort Lee, VA
Hours Worked per Week: 40
Salary: N/A
Supervisor: Kit Burr Phone: 1.808.351.2369 May Contact
Expertly restructured Program of Instruction for two courses by rebuilding lesson plans/deliverables for Basic Freight Traffic and Defense Transportation Regulation Course; provided 1000+ hours of instruction to over 200 students in 15 classes. Worked collaboratively with teams consisting of ten Government service employees/contractors at the U.S. Army Transportation School Defense Transportation Automation Branch.
Responsibilities included administering/grading tests and working closely with students to provide counsel regarding educational progress; also observed student classroom work and provided additional tutoring/training as needed. Obtained necessary training materials/equipment, identified potential areas for course improvement and provided advisement/recommendations to program administrators. Also collected data and submitted reports concerning student progress and course administration.
April 2012 April 2013
United States Army
840th Transportation Battalion
Doha, Qatar
Hours Worked per Week: 40
Salary: N/A
Supervisor: Ryan Molina Phone: N/A May Contact
Senior Advisor
Supported needs of the DOD within Qatar by skillfully utilizing Global Air Transportation Execution System, Integrated Computerized Deployment System and the Integrated Booking System-Container Management module to oversee cargo and commercial shipping activities. Performed over 50 port operations and managed work performance of 75 individuals including stevedores.
Yyyyyy x. yyyyyy Page 3 of 4
As Marine Cargo Specialist was responsible for preparing/planning/loading/stowing of cargo including preparing preliminary stowage plans for Military Sea Transport Service approval and stowage plans for Qatar. Initiated vessel operation plans/contract specifications for loading/discharge of DOD-sponsored cargo through commercial ocean terminals. Developed pre-/final stow and discharge plans utilizing computerized software for load planning, and developed container load plans for commercial movement of cargo.
Skillfully coordinated longshoremen manpower/equipment/supply needs, indicated cargo and loading conditions, scheduled loading of time-sensitive materials to ensure timely departure and controlled flow of material/dunnage to vessels loading simultaneously. Also oversaw 200+ weekly truck/600+ weekly rail operations at terminal.
June 2008 February 2012
United States Army Transportation School
Fort Lee, VA
Hours Worked per Week: 40
Salary: N/A
Supervisor: Johnathon Waddy Phone: N/A May Contact
Taught 55 resident Defense Transportation Regulation Course classes, the Basic Freight Traffic Course and the 88N Transportation Management Coordinators Course for over 1450 Logistics Management Interns/contractors as well as Army/Navy/Marine Corps members. Reported 98% passing rate between Fort Eustis and Fort Lee; also administered and graded tests, counseled individuals regarding educational progress, observed in-class work and provided any needed additional instruction. Obtained all needed training materials and equipment, identified areas for course improvement and delivered appropriate recommendations to program administrators; also collected data and submitted reports on student progress/course administration.
Education/Specialized Training
Columbia Southern University, Orange Beach, AL
Associates Degree, General Studies, 2012
Semester/Credit Hours: 75
Virginia Commonwealth University, Richmond, VA
Business-Focused College Coursework
Semester/Credit Hours: 24
U.S. Army Transportation School, Fort Lee, VA
Global Air Transportation Execution System (GATES), 2017
The University of Pennsylvania
Master Resilience Training Course, 2012
U.S. Army Transportation School, Fort Eustis, VA
Equal Opportunity Leaders Course, 2009
Yyyyyy x. yyyyyy Page 4 of 4
U.S. Army Transportation School, Fort Eustis, VA
Worldwide Port System Course (WPS) Administrator Training, 2009
U.S. Army Transportation School, Fort Eustis, VA
Military Standard Transportation & Movement Procedures (MILSTAMP), 2009
U.S. Army Transportation School, Fort Eustis, VA
Basic Freight Traffic Course (BFTC), 2009
U.S. Army Transportation School, Fort Eustis, VA
Transportation Coordinators Automated Information for Movement System (TC-AIMS II), 2008
U.S. Army Transportation School, Fort Eustis, VA
Worldwide Port System Course, 2008
U.S. Army Transportation School, Fort Eustis, VA
Army Basic Instructor Course (ABIC), 2008
U.S. Army Aviation Logistics School, Fort Eustis, VA
Cadre Training Course, 2008
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Fracture in ice is a complex competitive process of microcrack nucleation and propagation. The spatial organization of the microcracks during their development determines the brittleness or the ductility of ice. Because of the difficulties in taking the influence of the microcracks into account individually, the fracture is usually considered at a scale (the mesoscale) that homogenizes the microstructures. The analysis of the fracture process is thus based on quantities defined at that scale. In this approach, the brittleness or the ductility of the fracture is frequently related to the stress magnitude, the stress state and the temperature of the ice. Fracture in tension (the usual form of crevassing) becomes ductile at low stress and high temperature.
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Due to the shrinking availability of .com and the like, 9th sphere is now offering three new domain extensions. You are now able to register .name, .info, and .tv domain extensions. To search the availability of a domain visit 9th sphere's domain name registration system.
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Even if you wanted to contribute unlimited amounts to your retirement accounts, the Internal Revenue Service (IRS) wouldn't let you. In return for the tax breaks and tax-advantaged savings, the IRS sets annual contribution limits for Roth IRAs, traditional IRAs, and 401(k)s.
Key Takeaways
- For 2020, you can contribute up to $6,000 to a Roth or traditional IRA. If you're age 50 or older, the limit is $7,000.
- The most you can contribute to a 401(k) is $19,500, or $25,500 if you're age 50 or older.
- If you have a 401(k) match, the combined limit is $56,000, or $62,000 if you're age 50 or older, or 100% of your salary if it's less than the dollar limits.
- Contribution limits are per taxpayer — not per account.
Types of Contributions
Each retirement plan has two different types of contributions that are based on your age. The first is a "regular contribution" that applies to people younger than 50.
You can make a catch-up contribution when you're age 49 if you'll turn 50 by the end of the year.
The second is a "catch-up contribution," an extra amount available to those age 50 or older. These investors are closer to retirement and have less time for their assets to grow. So, the IRS allows a larger contribution in the hope that investments will "catch up."
Roth IRA Contribution Limits
For 2020, the most you can contribute to a Roth IRA is:
- $6,000 if you're younger than age 50
- $7,000 if you're age 50 or older
You need "earned income" from wages and other sources to contribute to an IRA. And those earnings must match or exceed your contribution. For example, if you earned $4,000, that's the most you can contribute to a Roth (or traditional) IRA.
Which Contributions Are Not Counted in the Limit?
While there are limits to the amount of money you can contribute in a single year to a Roth IRA, there are also exclusions that are not bound by the yearly cap.
For example, the annual contribution limits don't include investments that are rolled over from another Roth IRA account or funds that are converted from a traditional IRA. The same exemptions apply to funds that are rolled over from a qualified retirement plan, like a 401(k).
Roth IRA Income Limits
Unlike traditional IRAs and 401(k)s, Roth IRAs have income limits that determine how much you can contribute. If you make too much money, you can't contribute to a Roth IRA at all.
If you make too much money to contribute directly to a Roth IRA, you can use the "backdoor" Roth IRA strategy.
You can contribute the full amount if you're married filing jointly and your modified adjusted gross income (MAGI) is less than $196,000, or less than $124,000 if you're single.
Married joint filers with a MAGI of $196,000 to $206,000 per year and single filers with a MAGI of $124,000 to $139,000 can contribute, but at a reduced amount.
If you're married filing jointly and your MAGI is more than $206,000, or if you're single and it's over $139,000, you can't contribute at all to a Roth IRA. The IRS has a worksheet to walk you through whether or not you can contribute.
Here's a summary of the Roth IRA income limits for 2020:
|Roth IRA Income Limits
|If your filing status is…
|And your modified AGI is…
|You can contribute…
|Married filing jointly or qualifying widow(er)
|Less than $193,000
|Up to the limit
|More than $193,000 but less than $203,000
|A reduced amount
|$203,000 or more
|Single, head of household, or married filing separately and you didn't live with your spouse at any time during the year
|Less than $122,000
|Up to the limit
|More than $122,000 but less than $137,000
|A reduced amount
|More than $137,000
|Married filing separately and you lived with your spouse at any time during the year
|Less than $10,000
|A reduced amount
|$10,000 or more
Traditional IRA Contribution Limits
For traditional IRAs, the contribution limits are the same as they are for Roth IRAs. For 2020, that's:
- $6,000 if you're younger than age 50
- $7,000 if you're age 50 or older
Unlike Roth IRAs, your income doesn't affect the amount you can contribute to a traditional IRA. But like Roth IRAs, your income has to match or exceed the amount you contribute.
Traditional IRA Income Limits
If you have a traditional IRA, the income limits have to do with whether you can deduct your contributions on your income tax return.
Remember, a traditional IRA (unlike a Roth) is funded with pre-tax dollars, so you can usually write off the contribution the year you make it. (If you can't deduct your contributions, a traditional IRA becomes a lot less attractive.)
Your income and whether you and your spouse have retirement plans at work determine if you can deduct traditional IRA contributions.
If you're single and have no workplace plan (or you're married and neither of you has one), then you can fully deduct your contribution, regardless of your income. However, if you don't have a plan at work but your spouse does, you can deduct the full amount if you're married filing jointly and your MAGI is $196,000 or less. It phases out above $206,000.
The numbers change if you have a workplace plan. Married couples who file jointly can take the full deduction if they make less than $104,000 for 2020. If you make more than $104,000 and up to $124,000, you can take a partial deduction. Above $124,000, and you can't deduct anything.
Single filers can take a full deduction if they make $65,000 or less for 2020, a partial deduction if they make more than $65,000 but less than $75,000, and nothing if they make anything more than $75,000.
Here's a rundown of traditional IRA income limits for 2020:
|Traditional IRA Income Limits
|If your filing status is…
|And your modified AGI is…
|Then you can take…
|Single, head of household, qualifying widow(er), married filing jointly or separately and neither spouse is covered by a plan at work
|Any amount
|A full deduction up to the amount of your contribution limit
|Married filing jointly or qualifying widow(er) and you're covered by a plan at work
|$103,000 or less
|A full deduction up to the amount of your contribution limit
|More than $103,000 but less than $123,000
|A partial deduction
|$123,000 or more
|No deduction
|Married filing jointly and your spouse is covered by a plan at work
|$193,000 or less
|A full deduction up to the amount of your contribution limit
|More than $193,000 but less than $203,000
|A partial deduction
|$203,000 or more
|No deduction
|Single or head of household and you're covered by a plan at work
|$64,000 or less
|A full deduction up to the amount of your contribution limit
|More than $64,000 but less than $74,000
|A partial deduction
|$74,000 or more
|No deduction
|Married filing separately and either spouse is covered by a plan at work
|Less than $10,000
|A partial deduction
|$10,000 or more
|No deduction
More Details on IRA Contributions
A note about Roth and traditional IRA contributions: The limit is per taxpayer, not per account. That means you can't contribute $6,000 to a Roth IRA and $6,000 to a traditional IRA in 2020.
Instead, you can contribute the total amount, split across the different IRAs as you see fit. In 2020, for example, you could contribute $4,000 to a Roth IRA and $2,000 to a traditional IRA.
Spousal IRAs are regular IRAs that married couples who file jointly can use.
Note that married couples can also contribute in the same amounts to a spousal IRA for a spouse who doesn't work for pay, as long as one spouse earns enough income to cover both contributions.
401(k) Contribution Limits
Like traditional IRAs, 401(k)s don't have income limits that determine your eligibility to contribute. And you can stash away a lot more money each year in a 401(k).
For 2020, the 401(k) contribution limit is:
- $19,500 if you're under age 50
- $26,000 if you're age 50 or older
While 401(k) contributions reduce your taxes, you don't actually claim a deduction when you file. That's because your contributions come directly out of your paycheck, so they're made with pre-tax dollars. This lowers your taxable income for the year, which saves you money at tax time.
401(k) Match Limits
The biggest benefit of a 401(k) plan is the employer match. Typically, the match is a percentage of your contribution, up to a certain amount of your salary.
For example, your employer may match 50% of your contributions, up to 5% of your salary. So if you earn $100,000 and contribute $10,000 to your 401(k), your employer would kick in an extra $5,000.
If your employer offers a match, be sure to contribute enough to take advantage of the full match.
Any match your employer provides doesn't count toward your annual contribution limit. But the IRS does limit the total amount that can go into your 401(k) each year.
For 2020, the combined contribution limit (your contribution plus the match) for a 401(k) is:
- $56,000 if you're under age 50
- $62,000 if you're age 50 or older
- 100% of your salary if it's less than the dollar limits
Ineligible (Excess) IRA Contributions
There are serious repercussions if you invest more in an IRA than you're allowed to. You'll be penalized with a 6% excise tax on any excess contribution, each year until you fix the mistake.
Most people who make ineligible IRA contributions do so by mistake, such as when:
- You earn more money and fall outside the income eligibility range
- You forget you contributed earlier that year
- You contributed money that doesn't count as earned income
- You contributed more than your earned income for the year
How To Fix Excess IRA Contributions
If you realize you've contributed too much money to an IRA or a combination of several IRA accounts, there are several ways you can reverse the excess contributions. But you have to act quickly: There are strict deadlines if you want to avoid penalties.
If you contribute too much to an IRA, you'll owe a 6% penalty each year until you fix the mistake.
The best approach: Withdraw that money within the same year before you file your income tax return. The IRS treats any money you take out within that deadline as money you never contributed in the first place. Any earnings from your excess contributions must also be withdrawn in the same year, as well.
If you find the mistake after you've filed income taxes for the year, you can remove the excess contribution within six months and file an amended return by Oct. 15.
Alternatively, you can reduce the following year's contribution by the excess amount. For example, if you contributed $8,000 by mistake one year, you can reduce your contribution by $2,000 (the excess amount) the next year.
If you carry forward the excess like this, however, you'll be on the hook for that 6% penalty until the excess is absorbed.
Excess 401(k) Contributions
Even though your employer deducts your contributions to a 401(k), it's still possible to invest too much. This can happen when:
- You switch employers and retirement plans in the same year and give too much too each plan
- You have two jobs and two plans and don't realize the limit is per taxpayer, not per account
- You get a pay increase (or bonus) and forget to change your contribution percentage accordingly
How to Fix Excess Deferrals
If you overcontribute to your 401(k), contact your plan administrator right away and tell them you've made an "excess deferral." Ideally, this will happen by March 1 following the year you contributed too much. The excess amount and any related earnings should be returned to you by April 15.
The earnings must be included in your taxable income for the year, and your employer may need to amend your W-2 to show the returned amount as wages.
If the excess amount isn't returned to you by April 15, you could end up paying taxes on the amount twice: once in the year you contributed too much, and once when the excess amount is returned to you.
The Bottom Line
You can only invest so much each year in a 401(k) plan and an IRA. But, if you have the resources to do so, you can contribute to both.
While you can only add up to $6,500 (or $7,500 if you're age 50 or older) to your combined IRAs, that limit doesn't affect your 401(k) contributions. Likewise, you can fund your 401(k) up to the limit — $19,500 or $26,000, depending on your age — and still max out your IRA.
If you can't swing the full contributions to both, a good strategy is to max out your 401(k) to the point that you get your full employer match, then focus on your IRA. If you have any money left over, you can add more to your 401(k).


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