Easily Find Cheap Flights Using Price Grids

Plane ticket prices can vary significantly from one day to another and by airline, number of stops, total trip duration, etc. If your dates are flexible, you can easily find cheaper flights using Kayak.com and Google Flights’ price grids. Here’s an example. Say I want to fly from San Francisco to Korea some time in early May.

  • I want no more than 1 stop / layover
  • I don’t want a layover longer than 4 hours

Kayak

On Kayak.com, you need to select +- 3 days for each departure and return date.

Choose some filters.

After the search results appear, expand the Flexible Dates section to show the price grid.

What’s nice about Kayak is, when you hover over a price, you see

  • the total price
  • the airline
  • the number of stops
  • the total flight plus layover time, if any, for both departure and return
  • the total trip duration

In the example above, the $1339 price offers nonstop service for a 9-day trip. If we compare that to the cheapest price ($1095), we’d have to stop somewhere and the total trip duration would be 11 days.

Google Flights

On Google Flights, you can do a similar search. For round trip flights, there will always be a price grid so you just enter your preferred departure and return dates. For the filters, I chose “1 stop or fewer” and “Under 24 hr”.

What’s interesting, and very useful, about Google Flights is, once you choose a departure date, prices start to show up in the date picker so you can choose a return date that is cheaper than others.

Google Flights is really fast. The prices and search results show up almost instantly.

On Google Flights, the cheapest prices are highlighted in green cells. In this example, it’s $1050. Compared to Kayak, it looks like Google Flights has more flight options as all of the cells have a price. However, unlike Kayak, in order to see more information like the airline, trip duration, and number of stops, you have to choose a price and click OK. The price grid will disappear and you will see the flight details.

Which is cheaper?

If we put both grids next to each other, we find that

  • Google Flights offers more flights (all cells have a price)
  • Google Flights offers either the same price or cheaper prices, even if the price difference is just $1.
Kayak
Google Flights

Note

Kayak can book flights for you whereas Google Flights will always send you to an external booking website. Price differences are often due to different travel websites offering different prices. It’s always preferable to book directly with the airline as that cuts out any intermediaries and, if there are any issues, you can contact the airline (or Kayak) directly and usually get better customer service. Just because Google Flights may offer cheaper flights, you might still find an overall better deal on Kayak.

How To Add a 240V Electrical Circuit to Your Breaker Panel

The article is based on this YouTube video. These instructions are similar for adding 120 V circuits as well.

When you open the panel door, verify that you have empty slots to put a one-pole (120 V) or two-pole (240V) circuit breaker. If you don’t, you may need to upgrade your panel to a larger one.

Unscrew the screws and remove the panel cover.

You will usually see two large cables coming into the box.

  • One black wire = + 120
  • Other black wire = – 120
  • Voltage diff between the two = 240

The 2 black wires go into a main breaker.

In this example, the main breaker supports 125 amps, and the main breaker is located in the same panel as the circuit breakers.

The electricity then goes into the two left and right rails. Usually, you’ll have some 120 V / 15 A circuit breakers for general power, 120 V / 20 A circuit breakers for kitchen and bathroom power, and 240 V / 20 A double circuit breakers for an electric dryer.

Electricity flows from the rail through the circuit breaker through the wires.

Everything in the box is hot until you turn off the main breaker. Once you turn off the main breaker, only the 2 black wires and the terminals they are connected to are still hot.

In my home, the main breaker is located in a separate panel outside whereas my circuit breaker panel is in the garage. This is safer because once you turn off the main breaker outside, there are no hot / live wires in the circuit breaker panel.

Parts Needed

Halex 3/4 in. Non-Metallic (NM) Twin-Screw Clamp Connectors (5-Pack)

Southwire (By-the-Foot) 6/3 Stranded Romex SIMpull CU NM-B W/G Wire


The “6/3” identifier means this cable is 6 gauge and has 3 conductor wires and 1 ground wire for a total of 4 wires. The max amperage that this cable supports is 55 amps as indicated in the chart below.

50 Amp 2-Pole Circuit Breaker

Find the right kind that fits your circuit breaker box. My breaker box brand is Challenger. From the time when Challenger went out of business in the 90s, they were bought by different companies until Eaton/Cutler-Hammer finally got a hold of them. So, in my case, I can buy Eaton BR/C breakers.

The amperage of the circuit breaker must be less than or equal to the max amperage of the cable connected to it to prevent the cable from melting and causing a fire.

2-Gang 4 in. Square New Work Electrical Wall Box

Buy a deep box to accommodate the depth of the receptacle and have space for the 4 wires.

Legrand Pass & Seymour 50 Amp 125/250-Volt NEMA 14-50R Flush Mount Range/Dryer/EV Charger Power Outlet

The outlet will go in the middle of the electrical box.


Leviton White 2-Gang Single Outlet Wall Plate (1-Pack)

Decide where you want the new cable to come into the breaker box and punch out a hole at that location.

You can use a hammer to push the cable clamp into the hole you just made.

If you will run your cable behind the wall, make a hole in each stud using a ¾” spade bit for the cable to go through.

If you will run your cable on the wall, you can run it through metallic or non-metallic PVC rigid electrical conduit.

JM eagle 3/4 in. x 10 ft. PVC Schedule 40 Conduit

You can also buy flexible conduit like this one.

Southwire 3/4 in. x 6 ft. Ultratite Liquidtight Flexible Non-Metallic PVC Conduit Whip

You can then connect the cable to a surface-mount NEMA 14-50R power outlet.

Leviton 50 Amp Single Surface Mounted Single Outlet, Black

or make your own surface-mount outlet using

4 in. 30.3 cu. in. Metallic Square Box

When you knock out a hole, make sure you knock out a 3/4″ center hole in one of the sides, not a smaller 1/2″ hole. If you accidentally knock out a 1/2″ hole, you can seal it with one of these:

Halex 1/2 in. Knock-Out Seals (4-Pack)

4 in. Square Box Cover for 30 or 50 Amp Receptacle

Note: The cable is very thick and difficult to bend. Using the Leviton outlet is MUCH easier than making your own outlet because with the Leviton, you don’t need to bend the cable at all.

Run the cable through the stud and into the breaker box.

The cable can be hard to cut. If you can’t cut it with scissors or snips, you can use an angle grinder.

For ease of work, feed the thick wire into the electrical box before attaching box to stud.

Strip the wires in the cable. First, slit the exterior jacket / sheathing lengthwise using a sharp utility knife. Then, use a wire stripper to cut just the sheathing layer using the flat blade part. You can’t use the various round blades because the cable is too thick.

Attach the wires to the outlet.

  • The red and black (hot) wires are interchangeable and connect to the gold screw terminals.
  • The white (neutral) wire goes to the silver screw terminal.
  • The bare copper (ground) wire goes to the white screw terminal.

Screw the outlet to the box.

Strip the wires on the other end of the cable. Make sure the main circuit breaker is off.

  1. Connect the white (neutral) wire to the neutral bar.
  2. Connect the bare copper (ground) wire to the ground bar.
  3. Connect the two red and black (hot) wires to the 240V circuit breaker.
  4. Insert the circuit breaker.
  5. Turn on the main breaker and then turn on the new 240 V circuit breaker.
  6. Test voltage
  7. Hot (red) to hot (black) should be about 240 V.
  • Hot (red) to neutral should be about 120 V.
  • Hot (black) to neutral should also be about 120 V.

Do the same voltage test at the receptacle.

Here’s how mine came out.

It would have been more expensive and a hassle to put the outlet by the garage door, so I just put it next to the circuit breaker panel. I’ll just use an extension cord to reach the garage door.

You can buy this EV charger cable on Amazon for $330.

Morec EV Charger 32 Amp NEMA14-50 SAE J1772 ev Charging Cable Level 2 Portable Electric Vehicle Charger 220V-240V 26ft (7.9M), Compatible with Most Electric Vehicle Cars

Seoul, South Korea: Attractions, Food and More

This is not a complete list of tourist places and popular Korean food. It’s just a list of places that I think may be worth visiting and a few other relevant things.

Korean Air

  • Website
  • As of December 30, 2021, all travelers, including fully vaccinated travelers, must submit a negative PCR test taken within 48 hours of departure in order to board flights to the US. Learn more.
  • As of March 2, 2022, foreigners must submit a negative PCR test taken within 48 hours of departure in order to board flights to Korea. Read consular notice.
  • Starting from April 1, 2022, vaccinated travelers who have completed vaccination overseas AND register their vaccination history through the Quarantine COVID19 Defence (Q-Code) system BEFORE traveling to Korea will be eligible for quarantine exemption. Vaccination is considered to be complete 14 days after the 2nd shot for a two-dose vaccine (valid up to 180 days) or with booster shots. Read consular notice.

Seoul, South Korea

Incheon Airport

Directions

Google Maps doesn’t work well in Korea. Instead, use the NAVER Map app.

Tourist Cards

  • Website
  • Buy 7-day MPass (Metropolitan Pass) card for $53
  • Purchase locations:
    • Incheon Airport Tourist Information Center: 1F, Passenger Terminal 1 in front of Gates 5 & 10 / 7 AM-10 PM
    • Myeong-dong Tourist Information Center: In front of Euljiro 1(il)-ga Station (Seoul Subway Line 2), Exit 5 / 09:00-20:00, Closed on the day of Seollal (Lunar New Year’s Day) & Chuseok (Korean Thanksgiving Day)
    • Seoul Station Tmoney Town : 1F, Seoul City Tower near Seoul Station (Seoul Subway Line 1, 4, AREX), Exit 10 / Weekdays 09:00-18:00
  • There is a $4.11 deposit. Get deposit refund (minus $0.41 for the cost of the card) at the Tourist Information Center at the airport before leaving Korea.
  • MPass can be used on subway lines, airport railroad all-stop train, Seoul city buses (mainline buses, branch buses, circulation buses, village buses, night buses)
  • The pass offers 20 rides a day for the duration of the pass. 

Hotels

When choosing a hotel, if you want to be close to

  • many attractions
  • easy subway transportation with direct connection to the airport
  • tons of food options
  • tons of shopping options

you probably want to stay around the Myeong-dong area.


ibis Ambassador Seoul Myeongdong

KTO Tourist Information Center

Modern, High-Tech Seoul

Meerkat Cafe Seoul

Lotte World

  • World’s largest indoor theme park
  • Website
  • Hours: 9:30AM–11PM except Sundays
  • Admission: $50

Lotte World Aquarium

  • Website
  • Hours: 10AM–8PM except Sundays
  • Admission: $28

Lotte World Mall & Tower

  • Seoul’s largest shopping mall
  • Google Maps
  • Mall Hours: 10:30AM–10PM
  • Tower Hours: 24 hours

Seoul Sky

  • The Seoul Sky Observatory is located at the top of the Lotte World Tower, the world’s fifth tallest building standing 123 stories and 555 meters high. As the tallest building in South Korea, it is the only place where you can take in a gorgeous 360-degree view of Seoul, the capital city of South Korea roaring with brilliant history and dynamic modern culture.
  • Google Maps
  • Website
  • Seoul Sky Hours: 10:30AM–10PM
  • Skybridge Website
  • Skybridge Tour Hours: See timeslots (closed in winter from Dec 13 to March 31)
  • Skybridge Admission: $67 – $93
Skybridge Tour

Dongdaemun Design Plaza

The War Memorial of Korea

  • Website
  • Google Maps
  • Admission: Free
  • Hours: 9:30AM-6 PM (last admission 5PM) except Mondays

Seodaemun Prison History Museum

Seoul City Hall

Noryangjin Fisheries Wholesale Market

Seoullo 7017

Namdaemun Market

  • It is the oldest and largest market in Korea.
  • Website
  • Google Maps
  • Hours: varies by store. Closed on Sundays.

Shinsegae

N Seoul Tower & Namsan

Seoul Grand Park & Skylift

  • Seoul Grand Park is a park complex to the south of Seoul, South Korea, in the city of Gwacheon. Facilities at Seoul Grand Park include hills and hiking trails, Seoul Grand Park Zoo, Children’s Zoo, a rose garden, Seoul Land amusement park, and the Seoul Museum of Modern Art.
  • Website
  • Google Maps
  • Hours: 9AM-6PM (March~April,September~October)
  • Admission:
    • Zoo: $4
    • Theme Garden: $2
    • Skylift: $5
  • Skylift Website
  • Skylift 1 (outside the zoo): 10 minute ride
  • Skylift 2 (inside the zoo): 15 minute ride

Cheonggyecheon

  • Course 1: Cheonggye Plaza to Dongdaemun: 2.7 Km (about 2 hours)
  • Course 2: Cheonggyecheon Museum to Dongdaemun: 2.6 Km (about 2.5 hours)

DMZ

Website

DMZ Tour by Tour Agency

KORIDOOR DMZ Tours

DMZ Tour by Train

  • Website
  • Take the DMZ Peace Train from Seoul to Dorasan.
  • Choose the Dorasan Security Tour.
  • Tour package is available from the KORAIL Travel Center at each departure station
  • Foreigners can purchase train tickets from Yongsan Station to Dorasan Station online, but will have to register for the Dorasan Security Tour at Dorasan Station if they wish to travel further.
  • Operating days: Wednesday-Sunday, once a day / No trains Monday-Tuesday
  • Train Tickets and Times
  • Ticket Price: $30
  • Tour schedule:
    1. Depart from Yongsan Station (10:08) – Seoul Station (10:15) –
    2. Arrive at Imjingang Station (11:24) –
    3. Complete identity check (11:32) –
    4. Arrive at Dorasan Station (Google Maps) and board connecting bus (11:43) –
    5. Dorasan Peace Park (12:10) –
    6. Lunch break at Tongilchon (Unification Village) (13:00) – 
    7. Dora Observatory (Google Maps) (14:00) – 
    8. The 3rd Tunnel (Google Maps) (14:40) –
    9. Tour Unification Platform (15:50) –
    10. Depart from Dorasan Station (16:27) – Seoul Station (17:47) –
    11. Arrive at Yongsan Station (17:54)

Dora Observatory

Look at North Korea from South Korea

DMZ The 3rd Infiltration Tunnel

Website

Panmunjeom / DMZ Joint Security Area

Lotus Lantern Festival in May

Haewoojae Museum (Mr. Toilet House) (해우재)

Seoul Hop-On Hop-Off Bus

Songdo International City

  • Wikipedia
  • Google Maps
  • Tour
  • Highlights:
    • Songdo Central Park
    • G-tower for panoramic views of Songdo city
    • Canal walk and NC CUBE shopping center

Itaewon

It’s where all the foreigners hang out at night.

Apgujungrodeo

It’s like Rodeo Drive in Beverly Hills.

Myeongdong Street Food

  • Google Maps
  • Hours: 9AM-9PM
  • On Saturdays and Sundays, there are many more street food vendors at night.

Food to try at Myeongdong

Korean Stir-Fried Noodles
Baked Cheese – Ice Cream Waffles
Tornado Potato
Fried Chicken
Omelette Burger
Grilled Lobster
Omelette Pancake
Banana Pancake
Teokgalbi Meatballs

Gyeyeolsa Fried Chicken

Casablanca Sandwicherie

Passion 5 Bakery

Costco

HBC Gogitjib 이태원더고깃집(구HBC고깃집)

Downtowner Cheongdam 다운타우너 청담점

Linus’ BBQ

  • Beef brisket
  • Google Maps
  • Hours: Weekdays: 12-3PM, 5-9PM, Weekends: 12-9PM

Gino’s NY Pizza

Gwangjang Market

  • A traditional street market in Jongno-gu, Seoul, South Korea. The market is one of the oldest and largest traditional markets in South Korea, with more than 5000 shops and 20,000 employees in an area of 42,000 square meters.
  • Website
  • Official Website
  • Google Maps
  • Hours: 10AM-11PM

Jilhal Bros

Hongdae Free Market

Hyundai Department Store | D-Cube City

Seoul Public Bike

  • Official Website
  • Government Website
  • Rent a bike to tour the Cheonggyecheon
  • Pick up and drop off at any Bike Seoul location
  • 1 hour – $0.82
  • 2 hours – $1.64
  • All day – $4.11
  • $0.82 for every additional 30 minutes

Dongdaemun Market

Seoul Folk Flea Market

Starfield COEX Mall

Flying Suwon

Everland Resort

Caribbean Bay

Yeontabal BBQ Restaurant

  • Address: 1317-16 Seocho-dong, Seocho-gu, Seoul, South Korea
  • Google Maps
  • Nearest Subway Station: Gangnam
  • Operating Hours: 11:30AM-10PM, daily
  • What to Order: Grilled king beef ribs
  • Expect to Pay: Around $33-$38 per person

빈대떡 (Bindae-tteok: Mung bean pancake)

Video

호떡 (Hotteok: Korean Sweet Pancakes)

Hottoek is a Korean-styled pancake. One of the most popular Korean street snacks, it is made from a simple flour batter and filled with sweet syrup made from cinnamon, brown sugar, and peanuts. It’s a great snack when you’re between meals.

Video

팥빙수 (Patbingsu: Shaved Ice with Sweet Red Beans)

Pat Bingsu – Bingsu with red beans

Video

화전 (Hwajeon: Pan-fried Sweet Rice Cakes with Flower Petals)

Video

찐빵 (Jjinppang: Fluffy steamed buns filled with sweet red beans)

Video

경단 (Gyeongdan: Sweet Rice Balls)

Video

황남빵 (Hwangnambbang: Hwangnam Bread)

Red beans are mixed with eggs and wheat dough by hand, then this artisan bread is shaped and baked without any artificial sweeteners or preservatives, keeping only the sweetness of its original natural ingredients.

Video

호두과자 (Hodu-gwaja: Walnut Cookies)

Hodu means walnut in Korean and they are cookies filled with red bean paste and walnuts.

허니 브래드 (Honey Bread)

Thick bread is divided into nine parts filled with whipped cream and then topped with honey, caramel syrup, and cinnamon powder. Its original name was Honey Butter Bread.

계란빵 (Gyeran-ppang: Egg Bread)

has a shape of rounded rectangle and contains whole egg inside of a bread. They are often sold by street vendors.

꽈배기 (Kkwabaegi: Twisted Korean Doughnuts)

It is made with glutinous rice flour and melted butter. The dough is deep-fried in oil and tossed in sugar and cinnamon powder. Like most fried breads, it tastes better when it’s hot. You can enjoy the original taste of twisted bread by eating when it just comes out of the oil, or by heating them up. 

뚱카롱 (Ddungcaron: Fat Macaron)

Rice Punch 식혜 (Korean Sweet Rice Drink)

Songpyeon half-moon rice cake (송편)

The fillings for these rice cakes vary, but the most common are sweetened sesame seeds and mung beans.

Video

Chapssaltteok (Korean style mochi)

Filled with sweet red beans

Korean dalgona coffee

Pat-sirutteok 팥시루떡 (Layered rice cake with red beans)

율란 Yul-lan – Chestnut cookies

무지개떡 Mujigae-tteok (Rainbow rice cake)

불고기 Beef Bulgogi

Thinly sliced or shredded beef marinated in soy sauce, sesame oil, garlic, sugar, scallions, and black pepper, cooked on a grill (sometimes at the table). Bulgogi literally means “fire meat.” Variations include pork (dwaeji bulgogi, 돼지불고기), chicken (dak bulgogi 닭불고기), or squid (ojingeo bulgogi, 오징어불고기).

Galbi (갈비) – pork or beef ribs

Cooked on a metal plate over charcoal in the centre of the table. The meat is sliced thicker than bulgogi. It is often called “Korean barbecue” along with bulgogi, and can be seasoned or unseasoned.

Dak galbi (닭갈비)

Stir-fry marinated diced chicken in a gochujang-based sauce, and sliced cabbage, sweet potato, scallions, onions and tteok.

Dubujeon (두부전)

Steamed tofu mixed with ground beef and vegetables.

Bungeoppang (붕어빵; “carp-bread”)

is the Korean name for the Japanese fish-shaped pastry Taiyaki that is usually filled with sweet red bean paste and then baked in a fish-shaped mold. It is very chewy on the inside and crispy on the outside.

Gukwa-ppang (국화빵)

is almost the same as bungeoppang, but it is shaped like a flower.

Places Not in Seoul

As a bonus, here are a few places in Korea outside of Seoul.

Lotte Waterpark

Free Topic-Based Communication Tool for Small Groups Like HOAs

I’ve used many enterprise-level productivity tools like Atlassian Jira, Confluence (Wiki), Microsoft Teams, Asana, and, of course, email. Asana seems to be the best for managing large projects that have multiple tasks and deadlines. Microsoft Teams is great for having discussions separated by topic and sharing documents related to each discussion. As the president of an HOA (Homeowner’s Association) that pays an experienced property manager, it’s interesting that we’re still communicating by email because so often we’d have a hard time finding specific information and documents. Microsoft Teams would be a big improvement but the free version doesn’t come with some useful features available in the paid version. Of all the tools I’ve used, it looks like Slack fits the bill because 1) there is no bill (pun intended – there’s a free version) and 2) it comes with features similar to the ones in the paid version of Microsoft Teams. This post will explain some of Slack’s features that could be beneficial for small groups like an HOA.

Separate Discussions By Topic

One of the problems with a simple chat tool is different topics get lost in one super long chat. At my HOA, we have different topics to talk about, e.g. landscaping, security cameras, parking, etc. With Slack, you can create multiple channels to represent these topics. Each channel is a separate chat discussion as you can see in the screenshot below.

In the screenshot above, you can see:

  • Group Name: Antoine Ct Landlords
  • Channels: These are discussion topics:
    • landscaping-cleaning
    • security-cameras
    • vehicles-and-parking
  • Direct messages: this shows you who is in the group and allows you to send a message directly to one specific person
  • Apps: you can see the list of apps you’ve integrated with Slack such as a polling app

In the screenshot above, the chat in view is the one for the landscaping-cleaning channel.

Apps

Slack allows you to integrate many apps for a seamless experience. Below are some of the apps you can integrate.

One thing we often do as an HOA is conduct polls. You can add a polling app and then create a poll in a channel. For example, I added the Simple Poll app and created a poll in the landscaping-cleaning channel. In the screenshot below, the simple poll asks if everyone wants to hire one landscaper for all units and split the cost. The answer options are simply yes and no.

Of course, if there is too much chatter, the poll can get buried in the history of chat messages. If that happens, you can pin the poll to the top. It then shows up in the bar at the top of the channel like this:

Chatting is useful, but eventually you’re going to need other productivity tools like documents, spreadsheets, presentations, etc. In the chat field, you can click the + button to insert things other than text, e.g. create a post.

A post in Slack is like a Google or Word doc.

If you prefer to use a different tool like Google Docs, you can link the Google Doc to your Slack channel. Just copy the Google Doc share URL and paste it into the chat and, optionally, pin it to the top as I did for the poll example above. Or, you can create folders in the bar at the top of the channel to organize documents and chat messages. In the screenshot below, I clicked the + button to add two folders: Documents and Photos.

I then hovered over the Documents folder link and clicked Add to bookmark to add links to external resources:

  • Test Document 1 (link to a shared Google Doc)
  • Association Website (link to a WordPress site)

Multiple Teams

If you are part of multiple groups or teams of people, you can create a separate Slack group (called Workspaces). In the screenshot below of the Slack homepage, I see the workspace for the example HOA group mentioned above called “Antoine Ct Landlords”. There is also a button to create a new workspace.

If you are part of a small (or large) group of people and need to discuss many topics and don’t want to pay a monthly fee, you may want to give Slack a try.

Calculate Frequency of Unique Values in Google Sheets

I’m often finding myself needing to calculate the frequency of unique values in a spreadsheet. It turns out it’s a 2-step process. For example, if you have a column of data as shown below and you want to know how many times the numbers 1, 2, and 3 occur, you need to first add a column containing the unique values in column 1. Then, you can use the frequency function to calculate frequency.

1. Get Unique Values

In column 2, get the unique values in column one using the unique function:

=UNIQUE(A2:A7)

If you want, you can also sort the values as follows.

=SORT(UNIQUE(A2:A7))

2. Get Value Frequency

In column 3, get the value frequency using the frequency function. The data is in column 1 and the classes are in column 2.

FREQUENCY(data, classes)

=FREQUENCY(A2:A7, B2:B4)

Google Sheets seems to want to add an extra row with the value 0. I just ignore that.

Should You Invest in the Stock Market?

I haven’t invested in the stock market because of its volatility and because no one I know seems to know what they are doing or have made lots of money doing it. Maybe I’m around the wrong people. I invest in real estate for the reasons listed here. If we look at a graph of house prices in the US, their values have always gone up despite occasional dips. That’s the kind of graph you want to see.

House price index for California from 1975 to 2021

Though you can make a lot of money investing in real estate, you can make even more if you invest early in certain stocks. The problem is in knowing which stocks to invest in.

DISCLAIMER: I am not a professional stock market investor. At the time of this writing, the only stocks I own are the ones given to me by my employer. This article is just my personal opinion at the time of this writing.

Investing in Index Funds

Warren Buffett, known as the “Oracle of Omaha,” is an American businessman and philanthropist, widely considered the most successful investor of the 20th century. He has amassed a personal fortune of more than $60 billion by defying prevailing investment trends. Instead of stock picking, Buffett suggested investing in a low-cost index fund. “I recommend the S&P 500 index fund,” Buffett said, which holds 500 of the largest companies in the U.S., “and have for a long, long time to people.” … “I just think that the best thing to do is buy 90% in S&P 500 index fund.” He specifically identifies Vanguard’s S&P 500 index fund. Vanguard offers both a mutual fund (VFIAX) and ETF (VOO) version of this fund. He recommends the other 10% of the portfolio go to a low-cost index fund that invests in U.S. short-term government bonds. Below are stock charts for VFIAX and VOO.

VFIAX
VOO

As you can see, both have an overall consistent upward trend. If you invested in each one 10 years ago, in 2012, you could have quadrupled your investment. Twelve years ago, one share of each was about $100. And now, each is around $400. But, if you only bought 1 share, then you would have only made $300 in 12 years. What if you invest $10,000 at the time. Then, you would have made $30,000 in 12 years. Or, instead of putting 20% down on a $400K house, you put $100K in one of these funds. Then in 12 years, you would have made $300K. Though that’s not bad, you would make more in real estate, especially if you include rental income, but then again, owning rental properties is not 100% passive. Nevertheless, if you don’t want to or can’t invest in real estate, then investing in one of these funds over the long term appears to be a safe bet.

Stock Picking

If you want to pick stocks, you obviously want to pick ones that have the potential to grow fast. Tech companies seem to get more publicity for many reasons such as everyone’s familiarity with them and their potential to change the way we live. For example, there was a ton of publicity before and during Facebook’s IPO. Everyone knew what Facebook was at the time. Facebook went public on May 18, 2012, and shares closed the first day of trading at $38.23. Now, the value is $228. That’s a 6x increase in 10 years. When you invest in stocks, the general advice is you shouldn’t invest more than you can feel comfortable losing. At the time, I probably wouldn’t have minded losing $1000. Had I invested $1K in FB, the investment would be worth about $6K now (10 years later) for a $5K profit. That’s still a very petty profit. If I had $50K, which is about the cost of a down payment on a $250K house at the time, then the investment would be worth $300K now for a $250K profit. While that is a good profit, there’s no way I would have invested $50K in FB at the time because I would not have felt comfortable losing it all. With real estate investing, however, it’s so much safer and predictable that one need not worry about their losing their investment. Plus, had I invested $50K in real estate instead of FB, I would still have made a profit of $250K or more in the same period.

Following are stock price graphs of some of the biggest and most popular tech companies along with how much you could have made if 10 years ago you had invested $1000 in each.

FACEBOOK (FB)
  • IPO date: May 18, 2012
  • Opening price: $38
  • Price in 2012: ~38
  • Price in 2022: ~ $300
  • Price increase factor: 7.9x
  • Profit from $1K investment: $6900
Microsoft (MSFT)
  • IPO date: March 13, 1986
  • Opening price: $21
  • Price in 2012: ~50
  • Price in 2022: ~ $320
  • Price increase factor: 6.4x
  • Profit from $1K investment: $6400
Apple (AAPL)
  • IPO date: December 12, 1980
  • Opening price: $22
  • Price in 2012: ~25
  • Price in 2022: ~ $155
  • Price increase factor: 6.2x
  • Profit from $1K investment: $6200
Amazon (AMZN)
  • IPO date: May 15, 1997
  • Opening price: $18
  • Price in 2012: ~200
  • Price in 2022: ~ $3200
  • Price increase factor: 16x
  • Profit from $1K investment: $15000
Alphabet (GOOG)
  • IPO date: May 15, 1997
  • Opening price: $18
  • Price in 2012: ~200
  • Price in 2022: ~ $3200
  • Price increase factor: 16x
  • Profit from $1K investment: $15000
Alibaba (BABA)
  • IPO date: Sept. 14, 2014
  • Opening price: $68
  • Price in 2022: ~ $125
  • Price increase factor: 1.8x
  • Profit from $1K investment: $800
Netflix (NFLX)
  • IPO date: May 23, 2002
  • Opening price: $15
  • Price in 2012: ~15
  • Price in 2022: ~ $400
  • Price increase factor: 26x
  • Profit from $1K investment: $25000

Disruptive Technologies

Disruptive technologies also have a large potential for a huge gain. Everyone has heard of Tesla, the automaker that has proven that electric vehicles can replace gas vehicles. Then there’s Bitcoin which revolutionizes money.

Tesla (TSLA)
  • IPO date: June 29, 2010
  • Opening price: $3.84
  • Price in 2012: ~6
  • Price in 2022: ~ $1000
  • Price increase factor: 166x
  • Profit from $1K investment: $165000
Bitcoin (BTC)
  • Price in 2012: ~$320
  • Price in 2022: ~ $43000
  • Price increase factor: 134x
  • Profit from $1K investment: $132000

Conclusion

Based on the analysis above, if you are going to hold on to popular tech stocks for the long term, e.g. 10 years, then you’re probably safe in that you won’t lose money and will likely profit. Of course, how much you profit will depend a lot on how much you invest and luck. One pattern to note is the performance of disruptive tech (electric cars, cryptocurrency) which realized the biggest gains. Considering the above, I think a safe and good investment diversification strategy, if you are comfortable managing rental properties, is

  • 75% real estate
  • 5% S&P 500 index fund – mutual fund (VFIAX) and/or ETF (VOO)
  • 15% disruptive tech
  • 5% big tech

Common English Grammar and Punctuation Mistakes

Source

Table of Contents

Grammar

Punctuation

Mechanics

Verb Tenses

  • Table of Verb Tenses

Common Mistakes

  • List of common mistakes
  • Compound Possessives with Pronouns
  • Multiple Nouns With Shared Possession
  • Multiple Nouns With Different Possession
  • Job Title Capitalization Rules

GRAMMAR

Adjectives

Adjectives are words that describe the qualities or states of being of nouns: enormous, doglike, silly, yellow, fun, fast. They can also describe the quantity of nouns: many, few, millions, eleven.

Often, when adjectives are used together, you should separate them with a comma or conjunction. 

Please use three, white flowers in the arrangement.
Please use three white flowers in the arrangement.
I’m looking for a small good-tempered dog to keep as a pet.
I’m looking for a small, good-tempered dog to keep as a pet.

Coordinate adjectives

Coordinate adjectives should be separated by a comma or the word and. Adjectives are said to be coordinate if they modify the same noun in a sentence.

No one could open the old, silver locket.
Wrong because silver locket forms a unit modified by old.
No one could open the old silver locket.

Adjectives vs. adverbs

I feel badly about what happened.
I feel bad about what happened.

Use adjectives only if they are necessary, e.g.

  • big house vs mansion
  • large crowd vs throng
  • mixed-breed dog vs mutt

Adverbs

An adverb is a word that modifies (describes) a verb (he sings loudly), an adjective (very tall), another adverb (ended too quickly), or even a whole sentence (Fortunately, I had brought an umbrella). Adverbs often end in -ly, but some (such as fast) look exactly the same as their adjective counterparts.

That is a hastily, written note.
That is a hastily-written note.
That is a hastily written note.

Placement of adverbs

Place adverbs as close as possible to the words they are supposed to modify. Incorrect placement can change the meaning of the sentence, especially when it comes to the adverb only.

  • Phillip only fed the cat.
    (The only thing that Phillip did was feed the cat)
  • Phillip fed only the cat.
    (The only thing that Phillip fed was the cat)

Articles

Articles are words that define a noun as specific or unspecific. 

The definite article is the word the. It limits the meaning of a noun to one particular thing, e.g. Please give me the hammer.

The indefinite article takes two forms. It’s the word a when

  • it precedes a word that begins with a consonant.
  • it precedes a word that sounds like it begins with a consonant
She is an United States senator.
She is a United States senator.

It’s the word an when

  • it precedes a word that begins with a vowel
  • if it precedes a word that sounds like it begins with a vowel.
My mother is a honest woman.
My mother is an honest woman.

The indefinite article indicates that a noun refers to a general idea rather than a particular thing, e.g. Please give me a hammer.

The rules above also apply to acronyms and initialisms, e.g. an LCD display, a UK-based company, an HR department, a URL.

Conjunctions

Conjunctions are words that link other words, phrases, or clauses together, e.g.

I like cooking and eating, but I don’t like washing dishes afterward. Sophie is clearly exhausted, yet she insists on dancing till dawn.

The most common coordinating conjunctions are for, and, nor, but, or, yet, and so; you can remember them by using the mnemonic device FANBOYS. Commas are used when a coordinating conjunction is joining two independent clauses.

I’d like pizza or a salad for lunch. We needed a place to concentrate so we packed up our things and went to the library. Jesse didn’t have much money but she got by. (missing necessary commas)
I’d like pizza or a salad for lunch. We needed a place to concentrate, so we packed up our things and went to the library. Jesse didn’t have much money, but she got by.

Subordinating Conjunctions

Subordinating conjunctions join independent and dependent clauses. 

Common subordinating conjunctions are because, since, as, although, though, while, and whereas. Sometimes an adverb, such as until, after, or before can function as a conjunction. If the dependent clause comes first, use a comma before the independent clause.

Before he leaves, make sure his room is clean.
I drank a glass of water because I was thirsty. Because I was thirsty, I drank a glass of water.

Interjections

An interjection is a word that you throw in between sentences or thoughts to express a sudden feeling, e.g. Ouch! Oh my! Wow! Yikes!

Interjections in a Sentence

When used in a sentence, put the interjection inside parentheses or set it off with commas.

I forgot to do the homework assignment oops but my teacher gave me an extra day to finish it.
I forgot to do the homework assignment (oops), but my teacher gave me an extra day to finish it.
Gee I hadn’t thought of that.
Gee, I hadn’t thought of that.

Nouns

A noun is a word that names something, such as a person, place, thing, or idea. 

Proper nouns vs. common nouns

A proper noun is a specific name of a person, place, or thing, and is always capitalized.

Does tina have much homework to do this evening?
Does Tina have much homework to do this evening?
I would like to visit new york.
I would like to visit New York.

A common noun is the generic name of an item in a class or group and is not capitalized unless appearing at the beginning of a sentence or in a title.

Prepositions

Prepositions indicate relationships between other words in a sentence.

Ending a Sentence With a Preposition

You are allowed to end a sentence with a preposition. Not doing so can result in an unnatural sentence.

There’s no one else to hide behind. (Grammatically correct and natural)
There’s no one else behind whom to hide. (Grammatically correct, but unnatural)
Where did you come from? (Grammatically correct and natural)
From where did you come? (Grammatically correct, but unnatural)

It is sometimes more elegant to move a preposition to an earlier spot in a sentence, especially in very serious and formal writing. But if you do move the preposition, remember to delete it from the end.

This is something we must meditate on.
This is something on which we must meditate.
This is something on which we must meditate on.

Unnecessary Prepositions

Where is your brother at?
Where is your brother?
For many people, the reality of an entry into a new area of employment is cause for a host of anxieties.
Changing careers makes many people anxious.
Alex hit the baseball up over the fence.
Alex hit the baseball over the fence.

Pronouns

Personal pronouns

Personal pronouns are pronouns that refer to specific individuals and groups, e.g. I/me, She/her, He/him, They/them, We/us, You.

Antecedents

Antecedents are the things that pronouns refer to, e.g. My family tests my patience, but I love them

Relative pronouns

Relative pronouns connect relative clauses to independent clauses. Relative pronouns are that, what, which, who and whom.

  • who refers to people
  • which and that refer to animals or things

Examples

  • The woman who called earlier didn’t leave a message. 
  • All the dogs that got adopted today will be loved. 
  • My carwhich is nearly twenty years old, still runs well.

Who vs. whom—subject and object pronouns

  • who is for the subject of a sentence
  • whom is for the object of a verb or preposition

Examples

  • Who mailed this package?
  • To whom was this package sent?

Demonstrative pronouns

That, this, these, and those.

Indefinite pronouns

Indefinite pronouns are used when you need to refer to a person or thing that doesn’t need to be specifically identified. Some common indefinite pronouns are one, other, none, some, anybody, everybody, and no one

Reflexive pronouns

Reflexive pronouns end in -self or -selves, e.g. myself, themselves.

Example: I saw myself in the mirror.

Using myself when you mean me is a common mistake writers and speakers make. Reflexive pronouns are only correct when the subject and object of a sentence are the same. 

Intensive pronouns

Intensive pronouns look the same as reflexive pronouns, but their purpose is different. Intensive pronouns add emphasis.

Example: told them I could do it myself.

Possessive pronouns

E.g. my, your, our.

Example: I crashed my bike into a telephone pole.

Independent possessive pronouns

E.g. mine, yours, theirs.

Example: She forgot her jacket, so I gave her mine.

Interrogative pronouns

Who, what, which, and whose. 

Example: What is your name? 

Reciprocal pronouns

Each other, one another.

Distributive pronouns

Either, Each, Neither, Any, None

Pronouns and gender identity

The most common gender-neutral pronoun is the singular they. 


PUNCTUATION

Apostrophe

Apostrophes : Contractions and Omissions

A contraction is a shortened form of a word (or group of words) that omits certain letters or sounds, e.g. He would=He’d. I have=I’ve. They are=They’re. You cannot=You can’t.

Less common contractions

  • something -> somethin’
  • ever -> e’er
  • you all -> y’all
  • 1960s -> 60’s

Apostrophes and Possessive Nouns

For most singular nouns, add apostrophe+s:

  • The dog’s leash.
  • The writer’s desk.
  • The planet’s atmosphere

For most plural nouns, add only an apostrophe:

  • The dogs’ leashes (multiple dogs).
  • The writers’ desks (multiple writers).
  • The planets’ atmospheres (multiple planets).

For plural nouns that do not end in s, add apostrophe+s:

  • The children’s toys.
  • The geese’s migration route.

Style guides vary in their recommendations of what to do when you have a singular proper noun that ends in s.

  • Charles Dickens’ novels 
  • Kansas’ main airport
  • Charles Dickens’s novels 
  • Kansas’s main airport

No matter which style guide you use, add only the apostrophe to plural proper nouns that end in s:

  • The Harrises’ house
  • The Smiths’ vacation

How to Write Joint Possession

When one thing belongs to two or more people, make only the final name possessive:

  • Bob and Jim’s bait shop (Bob and Jim co-own the same bait shop)
  • Ryan, Jessica, and Elinor’s parents (All three share the same parents)

When you’re talking about separate things that belong to different people, make all the names possessive:

  • Bob’s and Jim’s bait shops (Bob owns one bait shop and Jim owns a different one) 
  • Ryan’sJessica’s, and Elinor’s parents (Each has a different set of parents)

Apostrophes and Plurals

With very few exceptions, apostrophes do not make nouns plural. The one notable exception to this rule is the plural form of lowercase letters, which are formed with an apostrophe to prevent misreading:

Don’t forget to dot all your is.
Don’t forget to dot all your i’s.

Colon

A colon introduces an element or series of elements that illustrates or amplifies the information that preceded the colon. While a semicolon normally joins two independent clauses to signal a close connection between them, a colon does the job of directing you to the information following it. When a colon appears in a sentence, it usually gives the silent impression of “as follows,” “which is/are,” or “thus.”

  • There are three types of muscle in the body: cardiac, smooth, and skeletal.
  • We have two options here: stay and fight, or run like the wind.
  • He ended with the immortal words of Neil Young: “Rock and Roll can never die.”

Misuse of Colons

The three types of muscle in the body are: cardiac, smooth, and skeletal.
The three types of muscle in the body: cardiac, smooth, and skeletal.
When I graduate, I want to go to: Rome, Israel, and Egypt.
When I graduate, I want to go to Rome, Israel, and Egypt.

Comma

While a period ends a sentence, a comma indicates a smaller break. Some writers think of a comma as a soft pause—a punctuation mark that separates words, clauses, or ideas within a sentence.

Comma with Subjects and Verbs

With few exceptions, a comma should not separate a subject from its verb.

My friend Cleo, is a wonderful singer.
My friend Cleo is a wonderful singer.
The things that cause me joy, may also cause me pain.
The things that cause me joy may also cause me pain.
Navigating through snow, sleet, wind, and darkness, is a miserable way to travel.
Navigating through snow, sleet, wind, and darkness is a miserable way to travel.

Comma Between Two Nouns in a Compound Subject or Object

Don’t separate two nouns that appear together as a compound subject or compound object.

Cleo, and her band will be playing at Dockside Diner next Friday.
Cleo and her band will be playing at Dockside Diner next Friday.
Cleo will wear a sparkly red blazer, and high heels.
Cleo will wear a sparkly red blazer and high heels.

When a subject or object is made up of two items and the second item is parenthetical, you can set off the second item with commas—one before it and one after it. But you don’t need a comma when you’re simply listing two items.

Comma Between Two Verbs in a Compound Predicate

You get a compound predicate when the subject of a sentence is doing more than one thing. In a compound predicate that contains two verbs, don’t separate them with a comma.

Cleo will sing, and play the banjo.
Cleo will sing and play the banjo.
I meant to buy tickets for Cleo’s show, but ran out of time.
I meant to buy tickets for Cleo’s show but ran out of time.

Don’t use a comma in compound predicates unless there is a chance of misreading:

  • Cleo spotted the man who entered the diner, and waved.

In the sentence above, you need the comma to make clear that it was Cleo who waved, not the man.

Comma Splices

When you want to join two independent clauses, you need a conjunction or a semicolon. A comma alone isn’t strong enough to join them. This kind of mistake is called a comma splice.

We were out of milk, I went to the store.
We were out of milk, so I went to the store.
We were out of milk; I went to the store.
We were out of milk. I went to the store.

Comma After Introductory Phrase

A comma normally follows participial phrases that introduce a sentence:

  • Grabbing her umbrella, Kate raced out of the house. Confused by her sister’s sudden change in mood, Jill stayed quiet.

When an adverbial phrase begins a sentence, it’s often followed by a comma but it doesn’t have to be, especially if it’s short. As a rule of thumb, if the phrase is longer than about four words, use the comma. You can also use a comma with a shorter phrase when you want to emphasize it or add a pause for literary effect.

  • After the show, Cleo will be signing autographs.
  • Behind the building there is enough space to park two limousines.
  • Without knowing why, I crossed the room and looked out the window.
  • In 1816 life was very different.
  • Suddenly, an angry black cat sprang from the shadows.

But, if there is a chance of misreading the sentence, use the comma:

Before eating the family said grace.
Before eating, the family said grace.

Comma Within a Comparison

Don’t use a comma before “than” when you’re making a comparison.

This box is lighter, than that box.
This box is lighter than that box.
Hardcover books are more expensive, than paperback books.
Hardcover books are more expensive than paperback books.

Commas with Interrupters or Parenthetical Elements

Interrupters are little thoughts that pop up in the middle of a sentence to show emotion, tone, or emphasis. A parenthetical element is a phrase that adds extra information to the sentence but could be removed without changing the meaning of the sentence. Both interrupters and parenthetical elements should be set off with commas.

The weather I was happy to see was beginning to clear.
The weather, I was happy to see, was beginning to clear.
Geoff’s cooking skills if you can call them skills left something to be desired.
Geoff’s cooking skills, if you can call them skills, left something to be desired.
It was sadly the last day of camp.
It was, sadly, the last day of camp.
Mary unlike Anne is very organized.
Mary, unlike Anne, is very organized.

Comma with a Question Tag

A question tag should be preceded by a comma.

  • These willow trees are beautiful, aren’t they?
  • You didn’t actually write a 600-page vampire romance novel, did you?
  • I know, right?

Comma with Direct Address

When addressing another person by name, set off the name with commas.

  • Mom, I can’t find my shoes!
  • Cleo, there’s someone on the phone for you.
  • Hello, Chester.

Comma with an Appositive

An appositive is a word or phrase that refers to the same thing as another noun in the same sentence. Often, the appositive provides additional information about the noun or helps to distinguish it in some way. If you could remove the appositive without changing the meaning of the sentence, it is said to be nonessential and should be set off with commas. If the appositive is necessary, it’s said to be essential and it should not be set off with commas.

Nonessential appositives:

  • My sister, Angela, is a wonderful cook.
  • The painter, one of the city’s most promising young artists, began showing his work in galleries before he was sixteen.
  • Chocolate, my favorite treat, always makes me feel better after a bad day.

Essential appositives:

  • Edgar Allan Poe’s poem The Raven is a classic.
  • Alec Baldwin’s brother Stephen is the most underrated Baldwin.
  • The detective Sherlock Holmes is one of literature’s greatest sleuths.

Commas in Dates

When writing a date in month-day-year format, set off the year with commas.

  • July 4, 1776, was an important day in American history. I was born on Sunday, May 12, 1968.

If you are using the day-month-year format, however, commas are unnecessary.

  • Applications are due by 31 December 2016.

If you are referencing a day of the week and a date, use a comma:

  • On Tuesday, April 13, at three o’clock, there will be a meeting for all staff.
  • Please join us on Saturday, June 14, 2010, for the marriage of Annie and Michael.

When you are referencing only a month and year, you don’t need a comma.

  • The region experienced record rainfall in March 1999.

Comma Between Coordinate Adjectives

When multiple adjectives modify a noun to an equal degree, they are said to be coordinate and should be separated by commas. One way to tell whether the adjectives are coordinate is to try switching the order of them. If the sentence still sounds natural, the adjectives are coordinate.

  • That man is a pompous, self-righteous, annoying idiot.
  • That man is a self-righteous, annoying, pompous idiot.
  • The sweet, scintillating aroma of cinnamon buns filled the kitchen.
  • The scintillating, sweet aroma of cinnamon buns filled the kitchen.

If the adjectives are not coordinate, don’t separate them with a comma.

The adorable, little boy was eating ice cream.
The adorable little boy was eating ice cream.

Comma Before But

Use a comma before the word but if it is joining two independent clauses:

Cleo is a good singer but she’s an even better dancer.
Cleo is a good singer, but she’s an even better dancer.

If but is not joining two independent clauses, leave the comma out.

My teacher is tough, but fair.
My teacher is tough but fair.
Life is, but a dream.
Life is but a dream.

Comma Before And

When you have a list that contains only two items, don’t use a comma before the and.

My dog Charlie is cute, and smart.
My dog Charlie is cute and smart.
Cleo’s favorite activities are singing on stage, and relaxing in the sunshine.
Cleo’s favorite activities are singing on stage and relaxing in the sunshine.

When correcting a comma splice, that is when joining two independent clauses with a coordinating conjunction, put the comma before and.

Commas with Lists

When you have a list that contains more than two elements, use commas to separate them.

Julie loves ice cream books and kittens.
Julie loves ice cream, books, and kittens.
Julie loves ice cream, books and kittens.
I cleaned the house and garage, raked the lawn, and took out the garbage.
I cleaned the house and garage, raked the lawn and took out the garbage.

The comma before the and in a list of three or more items is optional. 

Serial Comma (Oxford Comma)

When you are listing three or more items, commas should separate each element of the list. However, the final comma—the one that comes before the and—is optional. This comma is called the serial comma or the Oxford comma.

Mary needs bread, milk, and butter at the grocery store. (With serial comma)
Mary needs bread, milk and butter at the grocery store. (Without serial comma)
I still have to buy a gift, pack the suitcases, and arrange for someone to water the plants while we’re at the wedding. (With serial comma)
I still have to buy a gift, pack the suitcases and arrange for someone to water the plants while we’re at the wedding. (Without serial comma)

Though the serial comma is optional, it is occasionally necessary for clarity.

  • I dedicate this award to my parents, Jane Austen and Albert Einstein.
    (Is the award dedicated to the parents and to Jane and Albert or are Jane and Albert the names of the parents?)
  • I dedicate this award to my parents, Jane Austen, and Albert Einstein.
    (The award is dedicated to the parents and to Jane and Albert)

Comma Separating a Verb and Its Object

Don’t separate a transitive verb from its direct object with a comma.

I’m glad I trained, Charlie not to beg for scraps.
I’m glad I trained Charlie not to beg for scraps.
Mary said, she likes chocolate.
Mary said she likes chocolate.

Comma with Nonrestrictive Clause

A nonrestrictive clause offers extra information about something you have mentioned in a sentence, but the information isn’t essential to identify the thing you’re talking about. Nonrestrictive clauses are usually introduced by which or who and should be set off by commas.

  • Posey’s Cafe, which Chester recommended, is a fantastic restaurant.
  • My wife, whom I love dearly, is a brilliant physicist.

Comma with Restrictive Clauses

A restrictive clause adds necessary information about something you have mentioned in a sentence. Restrictive clauses are often introduced by that or who and should never be set off by commas.

The cafe, that Chester recommended, is a fantastic restaurant.
The cafe that Chester recommended is a fantastic restaurant.

Comma Between Correlative Conjunctions

Correlative conjunctions are conjunctions that come in pairs (such as either/or, neither/nor, and not only/but also) and connect words or phrases in a sentence to form a complete thought. Typically, commas are unnecessary with correlative conjunctions.

Either the blue shirt, or the red sweater will look good with your jeans.
Either the blue shirt or the red sweater will look good with your jeans.
You can wear a pashmina not only for warmth, but also for fashion.
You can wear a pashmina not only for warmth but also for fashion.

Comma Between Direct Quote and Attributive Tag

An attributive tag is a phrase like “he said” or “she claimed” that identifies the speaker of a quote or piece of dialogue. Attributive tags can come before, after, or even in the middle of a quote. Use commas to separate attributive tags from quotations.

  • The professor remarked, “How attentive you have been today!”
  • “Once you know the solution,” Tiffany said, “the whole problem seems very simple.”
  • “You have ice cream on your nose,” my friend snickered.
  • “When you leave the house,” my mother yelled, “don’t slam the door!”

If a quotation before an attributive tag ends in a question mark or exclamation point, however, there’s no need for a comma.

“You have a spider on your nose!”, my friend yelled.
“You have a spider on your nose!” my friend yelled.
“Where did that spider come from?”, I asked.
“Where did that spider come from?” I asked.

Comma Inside Quotation Marks

In American English, commas always go before closing quotation marks.

  • “Pass me that thesaurus,” said Matthew.
  • “If you knew what was good for you, you’d sit down and finish that essay right now,” my roommate said.
  • “We’re going down to the soup kitchen to help serve dinner,” her mother called.

In British English, however, unquoted punctuation typically follows the quotation marks. If you are writing for a British audience, put the comma after the closing quotation mark. Furthermore, British English tends to use single quotes rather than double quotation marks.

Comma Before Parenthesis

After opening the new cookie tin, (and eating several of the cookies), Chester had a hard time replacing the lid. 
After opening the new cookie tin (and eating several of the cookies,) Chester had a hard time replacing the lid.
After opening the new cookie tin, Chester had a hard time replacing the lid.
After opening the new cookie tin (and eating several of the cookies), Chester had a hard time replacing the lid.

Comma with As Well As

The phrase “as well as” usually doesn’t require commas unless it’s part of a nonrestrictive clause.

  • Please proofread for grammatical mistakes as well as spelling.
  • Spelling mistakes, as well as grammatical errors, are distracting to readers.

Comma with Such As

The phrase “such as” requires commas if it introduces a nonrestrictive clause.

  • Coniferous trees, such as pine and spruce, do not drop their needles in the winter.

If “such as” introduces a restrictive clause, omit the commas.

  • Trees such as pine and spruce do not drop their needles in the winter.

Comma Before Too

Using a comma before “too” is optional. A comma simply adds emphasis.

  • I like bananas too.
  • I too like bananas.
  • I like bananas, too.
  • I, too, like bananas.

Dashes

There are three forms of dashes: em, en, and the double hyphen. The most common types of dashes are the en dash (–) and the em dash (—).

Em Dashes

Em dashes can replace parentheses at the end of a sentence or when multiple commas appear in a parenthetical phrase.

Example

  • After a split second of hesitation, the second baseman leaped for the ball (or, rather, limped for it).
  • After a split second of hesitation, the second baseman leaped for the ball—or, rather, limped for it.

Em dashes can also replace colons.

Example

  • He is afraid of two things: spiders and senior prom.
  • He is afraid of two things—spiders and senior prom.

Writers and transcriptionists replace unknown, censored, or intentionally omitted letters with em dashes. In these cases, em dashes appear in pairs or threesomes.

Example

  • A former employee of the accused company, ———, offered a statement off the record.
  • “H—— are all the same. They cause trouble wherever they go.”
  • Carved into the dresser drawer was a faded inscription: “Made for Kristina, by your de——ted sailor.”

En Dashes

The en dash is often used to indicate spans of time or ranges of numbers. In this context, the dash should be interpreted as meaning either “to” or “through.” 

Example

  • The teacher assigned pages 101–181 for tonight’s reading material.
  • The scheduled window for the cable installation is 1:00–3:00pm.
  • The 2015–2016 fiscal year was the most profitable year for the new business.

The en dash may also be used to indicate a connection between two words.

Example

  • The pro-choice–pro-life argument is always a heated one.
  • The Nobel Prize–winning author will be reading from her book at the library tonight.

Ellipsis

Those three little dots are called an ellipsis (plural: ellipses). You can use an ellipsis to show that you’ve omitted some words, e.g.

  • Hamlet asked whether it was “nobler . . . to suffer the slings and arrows of outrageous fortune or to take arms against a sea of troubles.”

You can also use an ellipsis to show a pause in speech or that a sentence trails off. This technique doesn’t belong in formal or academic writing, though. You should only use the ellipsis this way in fiction and informal writing.

  • Andrew, can you, um . . . never mind, I forgot what I was saying. So, do you think we should . . . ?

How Many Dots?

There are 3 dots in an ellipsis. But, if the ellipsis comes immediately after a grammatically complete sentence, that sentence still needs its own period. So you would end up with a period followed by 3 dots. For example:

“Call me Jonah. My parents did, or nearly did. They called me John.”

could be shortened to

“Call me Jonah. . . . They called me John.”

Spacing

Whether you put spaces between the dots or not is a matter of style. The Chicago Manual of Style calls for spaces between every ellipsis point. The AP Stylebook says to treat the ellipsis as a three-letter word, with spaces on either side of the ellipsis but no spaces between the dots. For example,

  • Chicago Style: um . . . never mind
  • AP Style: um … never mind

Exclamation Point (or Exclamation Mark)

Exclamation points go at the end of exclamatory sentences. An exclamatory sentence is one that expresses a strong or forceful emotion, such as anger, surprise, or joy.

  • I got a perfect score on the SAT! Get out of my sight!

Occasionally, you might see one at the end of a sentence that is phrased as a question.

  • Careful! That spider is poisonous. Holy cow! How could I have forgotten to pack underwear!

Exclamatory Quotations

Put the exclamation point inside the closing quotation marks if it applies to the words enclosed by the quotation marks.

  • “There’s a spider on my arm!” yelped Jeremy.

If the exclamation point applies to the sentence as a whole, then place it at the very end.

  • And then the paramedics tried to tell Jeremy it was “only a spider”!

Exclamation Points and Parentheses

Put the exclamation point inside the parentheses when it applies to the words inside the parentheses.

  • Jeremy didn’t find out until later what kind of spider it was (a black widow!).

Put the exclamation point outside the parentheses if it applies to the whole sentence.

  • They settled out of court and Jeremy got a million dollars (cash)!

Exclamation marks are considered to be relatively casual, so using them in business or formal academic writing is a no-no. Instead of relying on exclamation points to convey your urgency or excitement, use more vivid vocabulary. Instead of “Make sure you finish this by tomorrow morning!” try “It’s crucial that you finish this before tomorrow morning’s deadline.”

Hyphen

A hyphen (-) is a punctuation mark that’s used to join words or parts of words. It’s not interchangeable with other types of dashes. Use a hyphen in a compound modifier when the modifier comes before the word it’s modifying.

Hyphen with Compound Modifiers: Two-Word Adjectives Before Nouns

A compound modifier is made up of two words that work together to function like one adjective. When you connect words with the hyphen, you make it clear to readers that the words work together as a unit of meaning.

Use a Hyphen in an Noun and an Adjective (Before the Noun They Describe)

NOUN-ADJECTIVE NOUN
This rock-hard cake is absolutely impossible to eat.
We’re looking for a dog-friendly hotel.

Don’t Use a Hyphen in Compound Modifiers That Come After the Noun They Describe

Generally, you need the hyphen only if the two words are functioning together as an adjective before the noun they’re describing. If the noun comes first, leave the hyphen out.

  • This wall is load bearing.
  • It’s impossible to eat this cake because it is rock hard.
  • Is this hotel dog friendly?

Don’t Use a Hyphen in an Adverb and an Adjective (Before the Noun They Describe)

You also don’t need a hyphen when your modifier is made up of an adverb and an adjective.

ADVERB ADJECTIVE NOUN
Do you expect me to believe this clearly-impossible story?
Do you expect me to believe this clearly impossible story?

Don’t Use a Hyphen in a Multi-word Proper Noun (Before the Noun They Describe)

You also don’t need a hyphen when your modifier is made up of a proper noun consisting of multiple words as the capital letters group the words. Source

PROPER NOUN NOUN
Our product as Six-Sigma accuracy?
Our product as Six Sigma accuracy?

Use a Hyphen in a Noun or Adjective and a Present Participle (Before the Noun They Describe)

When we combine a noun or adjective and a present participle (a word ending in ‑ing) to form a unit of meaning that describes another word, use a hyphen to make that unit of meaning clear.

NOUN-PRESENT PARTICIPLE NOUN
It’s recommended you don’t take down any load bearing walls when renovating.

In this sentence, it sounds like you shouldn’t take down any load that is holding up a wall. A hyphen should be inserted between load and bearing to make it clear that we’re talking about walls that are bearing a load.
It’s recommended you don’t take down any load-bearing walls when renovating.
ADJECTIVE-PRESENT PARTICIPLE NOUN
There are some beautiful looking flowers in the garden.

Without the hyphen between beautiful and looking, your reader may stumble over the sentence. Perhaps there’s a new type of daisy called the “looking flower”?
There are some beautiful-looking flowers in the garden.

Don’t Use a Hyphen With a Noun or Adjective and a Present Participle (After the Noun They Describe)

Don’t use a hyphen when the modifier comes after the noun it’s describing. Compare the following:

  • Fast-acting medication can be useful when one has a headache.
  • This medication is fast acting.

Don’t Use a Hyphen in an Adverb and a Participle (Before the Noun They Describe)

ADVERB PARTICIPLE NOUN
The room was like a heavily-decorated chocolate box.
The room was like a heavily decorated chocolate box.

Use a Hyphen in a Noun and Past Participle (Before the Noun They Describe)

Compound modifiers that contain a past participle also follow the same rules as any other compound modifier. Use a hyphen when the compound goes before the noun it modifies:

NOUN-PAST PARTICIPLE NOUN
The municipal government is funding a community-based education system.
Wind-powered generators can be excellent sources of electricity.
Many veterinarians find meat-fed cats to be quite healthy.

Don’t Use a Hyphen in a Noun and Past Participle (After the Noun They Describe)

Don’t use a hyphen when the compound comes after the noun it describes. Compare the following:

  • A well-known local singer will perform tonight.
  • The singer performing tonight is well known.

Hyphenated Compound Words

Hyphenated compound words are the ones (obviously) with a hyphen between the words. Over time, many hyphenated compounds become closed compounds—teen-ager became teenager for instance. Check a dictionary if you’re not sure whether to use a hyphen or not. Here are a few examples of common hyphenated compound words:

  • Mother-in-law
  • Master-at-arms
  • Editor-in-chief
  • Ten-year-old
  • Factory-made
  • Twelve-pack

Closed Compound Words

Hyphenated words tend to become closed compounds (single words with no hyphens) over time. Email instead of e-mail, for example, is increasingly common. If you aren’t sure whether a words is a closed compound or a hyphenated one, check your preferred dictionary.

  • Notebook
  • Superman
  • Waistcoat
  • Bookstore
  • Fireman

Open Compound Words

Open compounds are typically made up of two nouns that are used together to represent a single idea. “Open” means that there is a space between the two words and no hyphen. A good dictionary is the best place to check whether a compound is open or not.

  • Living room
  • Real estate
  • Dinner table
  • Coffee mug

Hyphens and Numbers

Numbers between twenty-one and ninety-nine should be hyphenated when they’re spelled out.

  • Fifty-six bottles of pop on the wall, fifty-six bottles of pop…
  • No, I won’t party “like it’s nineteen ninety-nine.”
  • I’ve got a hundred twenty-two of these gizmos to sell.

Hyphen in Compound Adjective With Numbers

When numbers are used as the first part of a compound adjective, use a hyphen to connect them to the noun that follows them. This applies whether the number is written in words or in digits.

  • The president of the company gave a 10-minute speech to the Board of Directors.
  • He is knowledgeable in thirteenth-century politics.
  • The boy threw a rock at the second-story window.

However, a hyphen is not required if the number is the second word in the compound adjective.

  • He is a victim of Type 2 diabetes.
  • This elevator doesn’t go down to Basement 3.

Hyphen In Compound Adjective With Fractions

When using a fraction (e.g. half or quarter) as part of a compound adjective, it should be hyphenated so the reader understands which fraction is modifying which noun.

  • I half-wanted to commit a felony.
  • A quarter-million dollars is still a large amount of money.
  • You’ll need one-third of a pound of flour and one egg.
  • That’s a half-baked idea if I ever heard one!

Hyphen With Prefixes: Ex-, Self-, All-

Use a hyphen with the prefix ex- (meaning former).

  • Don’t sit Adam next to Martha! She’s his ex-wife!
  • Though he no longer held an official position, the ex-mayor still attended all the town’s functions.

Use a hyphen with the reflexive prefix self-.

  • Lying on the floor beside the plant he had knocked over and chewed on, the cat looked extremely self-satisfied.
  • Do you want a self-serve or a full-serve gas station?

Make sure you don’t confuse the prefix self- with the noun self.

  • The self serves no other.

When using all as a prefix, add a hyphen.

  • It’s a bad leader who thinks of himself as all-powerful.

Hyphens with High or Low

When using high or low as part of a compound adjective, use a hyphen when the compound comes before the noun it’s modifying. Some examples of compound adjectives using high and low include high-level/low-level and high-impact/low-impact.

  • Low-flying airplanes contribute to the noise pollution in the area.
  • This car runs best on high-octane gasoline.
  • Low-income families often face more stress than their higher-income counterparts.
  • A high-interest savings account is one of the best ways to save money.

Parentheses and Brackets

Parentheses are punctuation marks that are used to set off information within a text or paragraph. They can enclose a single word, a phrase, or even an entire sentence. Typically, the words inside the parentheses provide extra information about something else in the sentence.

  • Curators from the American Museum of Natural History (AMNH) have announced a new dinosaur exhibit. While walking down the street (paying more attention to her phone than to her feet), Catherine tripped over the curb and sprained her ankle.

Brackets, sometimes called square brackets, are most often used to show that words have been added to a direct quotation. Sometimes, when quoting a person or document, adding a word or two is necessary to provide enough context for the quote to make sense. For example, the original sentence you want to quote might read “We went and had a great time.” Out of context, this sentence doesn’t mean much. But you can add bracketed information to make the context clear.

  • “We went [to the new dinosaur exhibit] and had a great time.”

It’s extremely important to use brackets when you change a direct quote—forgetting to add them results in a misquote.

Parentheses or Brackets With Surrounding Punctuation

Treat parentheses or brackets and the words inside them as separate from the rest of the sentence. Any sentence that contains a parenthetical element should still make sense if the element is removed.

Meena (studied all night for) the grammar test.
Meena studied (all night) for the grammar test.
Meena studied for the grammar test.

Periodsquestion marks, and exclamation points should go before the closing parenthesis or bracket only if they belong to the words inside the parentheses or brackets. If the punctuation belongs to the surrounding sentence, put them outside the parentheses or brackets. Never put a comma immediately before a closing parenthesis.

After dinner (an enormous, healthy salad,) Posey treated herself to ice cream.
After dinner, (an enormous, healthy salad) Posey treated herself to ice cream.
After dinner (an enormous, healthy salad), Posey treated herself to ice cream.

Period

Periods and Quotation Marks 

In American English, the period goes inside the closing quotation mark at the end of a sentence.

  • My mother loved to remind me of the old saying “waste not, want not.” Phillip said, “I can’t remember where I heard about the banjo concert, but I sure want to go.”

Periods and Parentheses

When a complete, independent sentence is entirely enclosed by parentheses, the period goes inside the closing parenthesis.

  • Charlie scarfed up every Cheeto that fell out of the bag. (I wasn’t fast enough to stop him.) At least we won’t have to sweep the floor.

But, if the parenthetical material is nested inside another sentence, the period should go on the outside.

  • Charlie barked wildly when he caught the scent of fresh bacon (his favorite).

Ellipses

An ellipsis (plural: ellipses) looks like three periods in a row with spaces in between them. There are two main uses for ellipses. One is to show that part of a quote has been omitted.

  • Hamlet asked whether it was “nobler . . . to suffer the slings and arrows of outrageous fortune or to take arms against a sea of troubles.”

You can also use an ellipsis for literary effect, to represent a dramatic pause or a thought that trails off.

  • The bus was supposed to come at 3:00 so we waited and waited . . . and waited. Wait a minute . . . If you’re not watching Charlie, who is? I guess we could meet you there later. If there’s time . . .

Question Mark

Question Marks and Quotation Marks

Keep the question mark inside the quotation marks if it logically applies to what is enclosed by the quotation marks. You’ll often see this in written dialogue:

  • The chicken asked, “Why is everyone so concerned about where I’m walking?” “What do you have to hide?” asked the nosy reporter.

If the question mark applies to the sentence as a whole instead of to the phrase inside the quotation marks, put it at the very end:

  • Haven’t you ever heard the expression “It’s a free country”?

This holds true even when you have a quotation containing a question:

  • “When I spoke to the chicken, she said ‘Why won’t you leave me alone?’” recalled the reporter.

And for a quoted question containing a quoted statement:

  • “What did the chicken mean,” the reporter wondered, “when she said ‘It’s a free country’?”

When you have a question mark that applies to both the quoted phrase and the rest of the sentence, just use one question mark:

  • Who said “Why did the chicken cross the road?”

Question Marks and Parentheses

If a question mark applies to the parenthetical information, place the question mark inside the parentheses:

  • I saw the chicken (or was it the rooster?) crossing the road.
  • The chicken wrote a bestselling memoir called My Road (published abroad as Who Needs a Crosswalk?).

When the question applies to the whole sentence, put it outside the parentheses:

  • Will the chicken cross the road again tomorrow (April 1)?

Quotation Marks and Dialogue

Quotation marks are used to identify words that someone has said or a direct quote from a person in an article or quoting material that was written by someone else.

American vs. British Quotation Marks

American English uses double quotation marks (“ ”) for quotes and reserves single quotation marks (‘ ’) for quotes within quotes. In British English, the convention is the opposite. Another difference is that in American English, periods and commas go before closing quotation marks. In British English, they go after the closing quotation mark. The guidelines below apply to American English.

Dialogue

When writers become confused about quotation marks, it usually has to do with where to put other nearby punctuation. Below is an example of a conversation between two characters, with their dialogue correctly punctuated.

  • Martin said, “I’m going over to Jennifer’s house for a few hours.”
  • “You can’t be serious!” cried Fauntleroy.
  • “Oh, but I am,” Martin replied.
  • “How will you get there?” Fauntleroy asked.
  • “I thought I’d take the bus.”
  • “And,” Fauntleroy continued, “exactly how long is ‘a few hours’?”
  • “Probably two or three.”
  • “Well . . . fine. Tell Jennifer I said hello.”

Non-Dialogue Quotations

The mayor said his two golden retrievers were “the best dogs in the world. I’m not a cat person.”
The mayor said his two golden retrievers were “the best dogs in the world” and added that he was not a cat person.

Scare Quotes

Occasionally, writers enclose certain terms they wish to distance themselves from in quotation marks. 

  • Silicon Valley has fully embraced the “sharing economy.”

Sometimes, scare quotes are needed to indicate that the writer is not talking about something in general, but rather a specific term itself.

  • For too many people, “computer security” is an oxymoron.

Semicolon

Semicolons (;) are as basic as a period stacked on top of a comma.

The most common use of the semicolon is to join two independent clauses without using a conjunction like and. Don’t use a capital letter after a semicolon. A semicolon should be followed by a capital letter only if the word is a proper noun or an acronym.

  • We can go to the museum to do some research; Mondays are pretty quiet there.

You can use a semicolon to join two closely related independent clauses. Let’s put that another way. The group of words that comes before the semicolon should form a complete sentence, the group of words that comes after the semicolon should form a complete sentence, and the two sentences should share a close, logical connection:

  • I ordered a cheeseburger for lunch; life’s too short for counting calories.
  • Money is the root of all evil; I don’t believe the reverse is necessarily true.
  • Martha has gone to the library; Andrew has gone to play soccer.

Notice that the letter following the semicolon is not capitalized. 

Delete the Conjunction When You Use a Semicolon

  • I saw a magnificent albatross, and it was eating a mouse.
  • I saw a magnificent albatross; it was eating a mouse.

Use Semicolons in a Serial List

You can use semicolons to divide the items of a list if the items are long or contain internal punctuation. In these cases, the semicolon helps readers keep track of the divisions between the items.

  • I need the weather statistics for the following cities: London, England; London, Ontario; Paris, France; Paris, Ontario; Perth, Scotland; Perth, Ontario.
  • My plan included taking him to a nice—though not necessarily expensive—dinner; going to the park to look at the stars, which, by the way, are amazing this time of year; and serenading him with my accordion.

Use Semicolons With Conjunctive Adverbs

When you have a conjunctive adverb linking two independent clauses, you should use a semicolon. Some common conjunctive adverbs include moreover, nevertheless, however, otherwise, therefore, then, finally, likewise, and consequently. 

  • I needed to go for a walk and get some fresh air; also, I needed to buy milk.
  • Reports of the damage caused by the hurricane were greatly exaggerated; indeed, the storm was not a “hurricane” at all.
  • The students had been advised against walking alone at night; however, Cathy decided walking wasn’t dangerous if it was early in the evening.
  • I’m not all that fond of the colors of tiger lilies; moreover, they don’t smell very good.

Slashes

There are two types of slashes: a backslash (\) and a forward slash (/). The backslash is used only for computer coding. The forward slash, often simply referred to as a slash, is a punctuation mark used in English.

A Slash to Indicate Or

  • When leaving the classroom, the teacher noticed that a student had left his/her backpack.
  • College freshmen should bring a mattress and/or cot to sleep on during orientation.
  • If/when Mary ever shows up, we can all head out to the party together.
  • Burgers or pizza for dinner? Yeah, either/or is fine with me.

A Slash to Form Abbreviations

Slashes can also be used to form some abbreviations or shortened forms of words or phrases, although these shouldn’t be used in formal writing.

  • w/o = without
  • w/ = with
  • c/o =
  • care of (used when posting a letter or parcel)
  • a/c = air conditioning

A Slash to Indicate Connecting and Conflicting Relationships

Slashes can also be used to note that there is a connection or conflict between two words or phrases in a sentence.

  • The pro-life/pro-choice debate is a hot-button issue for many voters this election.
  • The designer often works in his bonus room/home office.

Space Before and After Slash

When a slash signifies alternatives between only two words, don’t use spaces before or after. 

  • Add chili flakes and/or black pepper to the recipe.

When using slashes to signify alternatives between phrases or multi-word terms or compounds, a space before and after the slash makes text easier to read.

  • World War I / First World War

Abbreviation

An abbreviation, simply put, is a shortened form of a word. Some readers may not know what an abbreviation means. If the abbreviation is obscure or unfamiliar, make sure to explain what it means the first time you use it.

Acronyms and Initialisms

Typically, acronyms and initialisms are written in all capital letters to distinguish them from ordinary words. (When fully spelled out, the words in acronyms and initialisms do not need to be capitalized unless they entail a proper noun.)

An acronym is pronounced as a single word, rather than as a series of letters. 

  • National Aeronautics and Space Administration = NASA
  • self contained underwater breathing apparatus = scuba
  • light amplification by stimulated emission of radiation = lase

Initialisms are pronounced as a series of letters.

  • National Football League = NFL (en eff ell)

If you need to use an indefinite article before an acronym or initialism, use the initial sound of the word (not necessarily the initial letter) guide your choice.

Abbreviations for Courtesy Titles and Academic Degrees

Titles such as mister, miss, and doctor, as well as the names of academic degrees such as bachelor of arts and doctor of philosophy are almost always abbreviated. In American English, title abbreviations are followed by a period; in British English, the period is omitted.

  • Mr. = Mister
  • Mrs. = Mistress (pronounced “missus”)
  • Ms. = (pronounced “miss” or “miz”)
  • Sr. = Senior
  • Jr. = Junior
  • Dr. = Doctor
  • Mr. Green asked Ms. Grey if she had met Dr. Jekyl. (American style)
  • Mr Green asked Ms Grey if she had met Dr Jekyl. (British style)

B.S. = Bachelor of science

  • B.A. = Bachelor of Arts
  • M.A. = Master of Arts
  • M.B.A. = Master of Business Administration
  • Ph.D. = Doctor of Philosophy

The periods are optional with abbreviations of academic degrees. Follow whichever style your style guide recommends, or just choose one and use it consistently. When an academic degree is used like a title, it follows a person’s name and is set off by commas:

  • Molly Beagle, Ph.D., runs the canine cognition lab at Stanford University.

Latin Abbreviations

e.g.: exempli gratia It means “for example.” Use e.g. when you want to provide specific examples of a generalization.

  • We expect volunteers from many surrounding cities, (e.g., Springfield, Oakdale, Hogsmeade.)

i.e.: id est It means “that is.” Use i.e. when you want to provide more specific information about something you mentioned.

  • After a reasonable amount of time has passed—i.e. two business days—please report the missing shipment to our customer service department.

etc.: et cetera It means “and so forth.” Use it when you’re providing a partial list of details.

  • You should see the doctor when you have flu-like symptoms (fever, chills, etc.)

Other Common Abbreviations

Below are a few other abbreviations that are common in English. Remember that abbreviations are not always completely standardized. One style guide may advise you to abbreviate Thursday as Thurs. while another may argue for Thu. Likewise, some style guides allow you to omit the periods with these abbreviations, but it’s never wrong to include periods. So if you aren’t sure whether to use the periods, err on the side of leaving them in.

Times and dates

a.m. (ante meridiem) = before noon p.m. (post meridiem) = after noon

  • The mall opens at 10 a.m. and closes at 8 p.m.

Jan., Feb., Mar., Apr., May, Jun., Jul., Aug., Sep., Oct., Nov., Dec.

  • I was born on Nov. 6, 1980.

Mon., Tues., Wed., Thurs., Fri., Sat,. Sun.

  • The class will run Mon.-Fri. next week.

Places

U.S. (United States) U.K. (United Kingdom) E.U. (European Union) U.A.E. (United Arab Emirates)

  • The U.S. highway system seems enormous to visitors from the U.K.

Units of Measurement

in. (inches) ft. (feet) lbs. (pounds)

mm. (millimeters) cm. (centimeters) m. (meters)

mg. (milligram) g. (gram) kg. (kilogram)

My cat weighs 10 lbs., which is about 4.5 kg.

Spelling Rules

English spelling of some words is wildly different from the way we pronounce them (It’s fuchsia, right? Or is it fuschiaFushia?)

Around Shakespeare’s time, when spelling was first becoming standardized, the spelling of most English words was mostly phonetic—or at least more phonetic than it is today. For example, English speakers did once pronounce the k at the beginning of words like knife and knee. But even though no one has pronounced knee as “kuh-nee” in centuries, we still hang on to the old spelling.

Capitalization

Capitalize the First Word of a Sentence

  • The cat is sleeping.
  • Where did I put that book?

Capitalize Names and Other Proper Nouns

  • My favorite author is Jane Austen.
  • Have you met my dog, Boomer?

Names are proper nouns. The names of cities, countries, companies, religions, and political parties are also proper nouns, so you should capitalize them, too.

  • We experienced some beautiful Southern California weather last fall when we attended a Catholic wedding in San Diego.

You should also capitalize words like mom and grandpa when they are used as a form of address.

  • Just wait until Mom sees this!
  • My mom is not going to like this.

Don’t Capitalize After a Colon (Usually)

  • I have one true passion: wombat racing.

One exception is when the word following the colon is a proper noun.

  • There is only one place I want to visit: New York City.

The other exception is when the words following the colon form one or more complete sentences.

Maggie wears a brimmed cap at all times for these two reasons: Strong light often gives her a headache. She also likes the way it looks.

Capitalize the First Word of a Quote (Sometimes)

Capitalize the first word of a quote when the quote is a complete sentence.

  • Mario asked, “What is everyone doing this weekend?”
  • Stacy answered, “My sister and I are going to the water park.”

Don’t capitalize the first word of partial quotes.

  • Gretchen said she was “way too busy” to join the gym.
  • Mr. Thompson described the rules as “extremely difficult to understand if you don’t have a law degree.”

Capitalize Days, Months, and Holidays, But Not Seasons

The names of days, months, and holidays are proper nouns, so you should capitalize them.

  • I hate Mondays!
  • Tom’s birthday is in June.
  • Oh no! I forgot about Valentine’s Day!

The names of seasons, however, are not proper nouns, so there’s no need to capitalize them.

  • I hate winter!
  • Having a summer birthday is the best.

Capitalize Most Words in Titles

Just use titlecaseconverter.com.

  • Sense and Sensibility is better than Pride and Prejudice.
  • The first movie of the series is Harry Potter and the Sorcerer’s Stone.

Capitalize Cities, Countries, Nationalities, and Languages

  • English is made up of many languages, including Latin, German, and French.
  • My mother is British, and my father is Dutch.
  • The capital of Botswana is Gaborone.

Capitalize Time Periods and Events (Sometimes)

Specific periods, eras, and historical events that have proper names should be capitalized.

  • Most of the World War I veterans are now deceased.
  • In the Middle Ages, poor hygiene was partly responsible for the spreading of bubonic plague.
  • Middle school students often enjoy studying the social changes that took place during the Roaring Twenties.

However, centuries—and the numbers before them—are not capitalized.

  • In the sixteenth and seventeenth centuries, England blossomed into an empire.

Compound Words

When adverbs ending in -ly combine with another word, the resulting compound is always spelled as two separate words.

  • largely irrelevant
  • newly formed

There are a great many grammar rules regarding hyphens in compound words. One important rule of thumb to remember is that in most cases, a compound adjective is hyphenated if placed before the noun it modifies, but not if placed after the noun.

  • a long-term solution
  • an up-to-date user guide
  • This is not a good solution for the long term.
  • This user guide is not up to date.

It’s often necessary to consult the dictionary to determine whether these terms should be hyphenated or not.

Verb Tenses

Simple PresentSimple PastSimple Future
read nearly every day.Last night, I read an entire novel.will read as much as I can this year.
Present ContinuousPast ContinuousFuture Continuous
am reading Shakespeare at the moment.was reading Edgar Allan Poe last night.will be reading Nathaniel Hawthorne soon.
Present PerfectPast PerfectFuture Perfect
have read so many books I can’t keep count.had read at least 100 books by the time I was twelve.will have read at least 500 books by the end of the year.
Present Perfect ContinuousPast Perfect ContinuousFuture Perfect Continuous
have been reading since I was four years old.had been reading for at least a year before my sister learned to read.will have been reading for at least two hours before dinner tonight.

Common Mistakes

Who’s vs Whose

“Who’s” is a contraction of “who is” or “who has”. For example,

  • Who’s watching TV?
  • Do you know who’s going to speak?
  • Who’s ready to go?
  • Who’s in the kitchen?
  • Who’s your doctor?
  • Who’s this?
  • Who’s already eaten?
  • Who’s been here before?
  • Who’s been watching that show?

“Whose” is the possessive of “who”. It’s always followed by a noun.

  • Whose book is this?
  • Do you know whose car this is?
  • I know a woman whose kids study there.
  • Whose side are you on?
  • An idea whose time has come.

It’s vs Its

“It’s” is a contraction of it is or it has.

  • It’s time to go.
  • Do you think it’s ready?
  • I read your article – it’s very good.
  • Do you know where my purse is? It’s on the table.
  • It’s been a long time.

“Its” is the possessive form of it.

  • That’s an interesting device – what is its purpose?
  • I saw Les Misérables during its initial run.
  • This stove has its own timer.
  • The bird lost some of its feathers.
  • Where is its head office?

Assure vs Ensure vs Insure

Assure most commonly means “to remove doubt about, to guarantee, to set one’s mind at rest.”

  • I assure you that we will be on time.
  • He assured us that there were no delays.

Ensure means “to make sure or certain” and must be followed by a direct object.

  • Winning the lottery ensured our happiness.
  • His loyalty will ensure your safety.

Insure refers to the provision of insurance: coverage against a specified loss.

  • My new car is not yet insured.
  • Our house was insured when the storm hit.

Bi- vs Semi-

Bi– comes from the Latin meaning two. When used with a temporal word, bi- means “every two” or “every other.”

  • This magazine is published bi-weekly, every other Friday.
  • Congressional elections are held biennially, on even-numbered years.
  • The U.S. celebrated the bicentennial of its 1776 founding in 1976.

Semi– comes from the Latin meaning half. When used with a temporal word, semi– means “twice.”

  • Our semi-annual meetings are in January and July.
  • I get paid semi-monthly, on the 5th and 19th of each month.
  • The semi-weekly deliveries occur on Monday and Thursday.

e.g. vs i.e.

e.g. stands for exempli gratia, which means “for example.” Use e.g. to introduce one or more possibilities among many.

  • He wastes his money on junk, e.g., cars that don’t run.
  • I’ll listen to anything, e.g., country-western, rap, light jazz.

i.e. stands for id est which means that is. Use i.e. when what you are introducing is equivalent to or an explanation of what comes before it in the sentence. Basically, i.e. means “in other words.” It’s used to reword or provide an alternate explanation.

  • He wastes his money on junk; i.e., stuff that he will never get around to fixing.
  • I’ll listen to anything; i.e., I like any kind of music.

Everyday vs Every day

Everyday is an adjective that means commonplace, ordinary, or normal.

  • These shoes are great for everyday wear.
  • You shouldn’t wear an everyday outfit to the wedding.
  • Don’t use the everyday dishes – it’s a special occasion.

Every day means “each day.”

  • I go to the park every day.
  • I have to work every day this week except Friday.
  • Every day I feel a little better.

Farther vs Further

Farther means “more far, more distant” in physical space.

  • Tom ran farther than Bill.
  • Which is farther, New York or Los Angeles?

Further means “more far, more distant” figuratively or non-physically.

  • Nothing could be further from the truth.
  • Who is further along in her research?

It can also mean “more/additional”:

  • Do you have any further ideas?
  • Nothing further, Your Honor.

And further is also a verb: “to advance”:

  • This class will further your understanding of ethics.

Furthest means “the most far, most distant” figuratively.

  • That is the furthest thing from my mind.

Good vs Well

Good is an adjective, which means that it modifies nouns.

  • This is a good movie.
  • What a good idea!
  • You speak good English.
  • This movie looks good.
  • His ideas are good.
  • Your English is good.

Well is an adverb, which means that it modifies verbs, adjectives, and other adverbs.

  • Did the movie do well at the box office?
  • It was a well-defined idea.
  • You speak English well.

Well can be used as an adjective to mean “in good health.”

  • You look well.
  • I don’t feel well.

Hers vs Her’s

Hers is the third person singular feminine possessive pronoun – it replaces the possessive adjective “her” + a noun. Though you may see her’s written even by native speakers, it is incorrect. Hers should never have an apostrophe.

  • I found a book – is it hers?
  • Is this his or hers?

I vs Me

I is the first person singular subject pronoun, which means that it refers to the person performing the action of a verb.

  • You and I need to get ready.
  • Tom and I are going to the movies.

Me is an object pronoun, which means that it refers to the person that the action of a verb is being done to, or to whom a preposition refers.

  • Between you and me, this is a bad idea.
  • She needs to talk to Joe or me.

If I would have …

When talking about something that didn’t happen in the past, many English speakers use the conditional perfect (if I would have done) when they should be using the past perfect (if I had done).

If I would have known, I would have told you.
If I had known, [then] I would have told you.
If I would have gotten paid, we could have traveled together.
If I had gotten paid, we could have traveled together.
If you would have asked me, I could have helped you.
If you had asked me, I could have helped you.
We wish we would have known.
We wish we had known.
Tom wishes you would have stayed.
Tom wishes you had stayed.
I wish they would have been honest.
I wish they had been honest.

Lay vs Lie

http://www.elearnenglishlanguage.com/difficulties/laylie.html

Me vs Myself

http://www.elearnenglishlanguage.com/difficulties/memyself.html

Ours vs Our’s

http://www.elearnenglishlanguage.com/difficulties/memyself.html

Theirs vs Their’s

http://www.elearnenglishlanguage.com/difficulties/theirs.html

Who vs Whom

http://www.elearnenglishlanguage.com/difficulties/whowhom.html

Yours vs Your’s

http://www.elearnenglishlanguage.com/difficulties/yours.html

Compound Possessives with Pronouns

Doug and I’s dog
Doug and my dog
Doug’s and my dog.
John and I’s wedding.
John’s and my wedding

Multiple Nouns With Shared Possession

That’s Jack and Jill’s hill. (The hill belongs to Jack and Jill)
George, Jerry, and Elaine’s relationship is not always friendly. (The relationship belongs to George, Jerry, and Elaine)
Have you been to Mom and Dad’s house lately? (The house belongs to Mom and Dad)

Multiple Nouns With Different Possession

Jan’s and Tony’s cars are both acting up. (Jan and Tony own two separate cars)
George’s and Harriet’s grades were good enough for them to graduate. (George and Harriet receive separate grades)
Matilda’s, Yvette’s, and Carlos’s ambitions led them to their careers. – (Matilda, Yvette, and Carlos each have different ambitions)

Job Title Capitalization Rules

The following rules generally apply for job titles. These rules even apply to executive titles at a company.

  1. You should capitalize specific job titles. However, do not capitalize a job title if it is used as a general job description. For instance:

Specific job title: “As the Program Chair of the Department of Management…”

General job title: “I am seeking a position as a program chair…”

2. Capitalize a job title if it precedes the name of the person. For instance:

Chief Executive Officer Mark Thomas.”

Vice President Henry Griffin.”

3. Capitalize a job title if it used as a heading in the resume. For instance:

“Chief Operating Officer (2015-2016)”

“Branch Manager (2010-present)”

4. Do not capitalize a job title when it is used to describe the person. For instance:

“Mark Thomas, the chief executive officer of…”

“the vice president of administration, Henry Griffin…”

5. Do not capitalize on job titles if you place them as part of a summary of jobs.

“In my fifteen years as an employee, I worked as a professional teacher, a college professor, a clinical instructor, and a clinical nurse.”

Online Tools to Improve Your English Writing

As a blogger and a person who works in marketing, I deal with a lot of English text content. Though English is my native language, it is not my specialization, although that is quickly changing the more I read and write. Here are some online tools I’ve found very useful for anyone wanting to improve their writing.

Grammarly

Grammarly can do many things including alerting you to typos, incorrect grammar, wordy phrases, inconsistent spelling, and more. It does this by underlining words in red or blue so you can quickly jump to words or phrases that could be improved. For example, in the screenshot below, the word “effect” is misspelled. On the right, there is an explanation of the typo and a link to learn more. Clicking on the box will fix the typo.

If you double-click on a word, you can get synonyms.

Grammarly has a great handbook in their blog that explains many grammar topics concisely and with good examples.

Note that Grammarly is not perfect and does not replace human review.

Ludwig.guru

Ludwig.guru is the first sentence search engine that helps you write better English by giving you contextualized examples taken from reliable sources.

As you can see in the screenshot above, Ludwig can do many things including

  • Find your sentence in the best contexts
  • Translate in English in the smartest way
  • Get definitions, synonyms and examples
  • Compare the frequency of two sentences
  • Discover the missing word
  • Paraphrase your sentence
  • Compare the frequency of words
  • Order a group of words

WordTune

WordTune helps you rewrite words and sentences. They can be shortened, expanded, and made to sound more casual or formal.

If you highlight a word and click on the WordTune icon, you can get synonyms.

Learn a Language by Watching Movies

One of the best ways to learn a language is by watching movies. But, video players usually only let you show one subtitle language at a time. Also, you can’t easily repeat what was just said or slow down the video when a character may be speaking too quickly. Here’s one way to make it easier to learn a language by watching movies. This example assumes the video is on Netflix.

1. Download the video and subtitles

Let’s say you want to learn Spanish and you speak English. One popular video series is Money Heist. You can download one or all episodes using Flixicam. Flixicam costs XXX. Since the purpose of this activity is to learn a language, you can download the video in the lowest resolution, e.g. 480p, so that the file is too big. Money Heist is at this URL: https://www.netflix.com/watch/80205342. When you play the video, you can click on the subtitles icon to see what subtitle languages are available. Unfortunately, in this case, there aren’t any Spanish subtitles, but you may be able to find Spanish subtitles online.

In this case, you can search online for the Spanish subtitles, e.g. at https://subscene.com/subtitles/la-casa-de-papel.

2. Merge subtitles

When watching a video, it helps to see two subtitles at once – one of the language you are learning and one of the language you understand. You can merge two subtitle files using an online tool.

3. Load video and subtitles in a subtitle editor tool

Subtitle editing tools may be designed to edit subtitles, but they’re also good for learning a language. The one I use is HappyScribe free online subtitle editor because I like the interface.

Just open the editor, upload your video, import the merged subtitle file, and start watching, listening and learning. Click on any subtitle paragraph to jump to the corresponding location in the video. Click on it again to repeat what was just said.

Change the playback speed to slow down the speech, if necessary.

The downside to this particular subtitle editor is it is online which means you have to upload your video which can take quite some time on a slow internet connection. You can also install a subtitle editor program on your computer which would eliminate the need to upload large videos. For example, here’s a simple one for Windows called Open Subtitle Editor.

Another one is Subtitle Edit.

However, with this one, I don’t see an option to change playback speed. If you use this one, you’ll probably want to go to Options > Settings > Double-clicking line in main window list view will “Go to video position and play”.

How to Download Subtitles in Netflix

Note: the tutorial below works using Google Chrome and English subtitles where a user’s language setting in Netflix is set to English. It does not work for other languages like Arabic and Chinese. To download subtitles in those languages, you may need to change your language setting in Netflix.

1. Start playing a Netflix video

This tutorial uses Google Chrome.

2. Open Chrome Inspector

Click CTRL+SHIFT+I to open the Google Chrome Inspector. Click the Network tab. Make sure “All” is selected. Enter “?o=” in the filter field. Make the video window smaller than full screen so you can see both the video window and the Inspector window side by side.

3. Find subtitle file

In the Inspector, sort the files by “Name”. If subtitles are turned on, you will see a filename that begins with “?o=”.

If you don’t see the file, then in the video, click to see the subtitle options and then click on a subtitle, e.g. “English”. You should then see the subtitle file appear in the list of files in the Inspector.

4. Download subtitle file

In the Inspector, right-click on the file and click “Open in a new tab” to download the file. Rename the file to something like english-subtitles.xml.

5. Convert subtitles to SRT format

The XML format of the subtitles may not be user-friendly. You can convert it to SRT format by going to https://gotranscript.com/subtitle-converter where you can convert the format for free.

If you have multiple subtitles, e.g. in different languages, you can merge them using this online tool.

If you’d like to edit subtitles, you can try this free online editor. Some of the nice features are

  • clean user-friendly interface
  • can load a video from a YouTube URL
  • can change video playback speed
  • when you click on a subtitle, the video automatically jumps to the timestamp of that subtitle
  • great for learning a language