Rsu Stock Options Wikipedia

CSIS - Departamento de Ciência da Computação amp. Sistemas de Informação Ano Final Título: NP04 Uma base de regras para selecionar um produto de seguro de saúde Os três principais provedores de seguro de saúde têm uma vasta gama de opções disponíveis entre suas ofertas de seguros, tornando difícil para o consumidor escolher entre eles. Business Rules Engines (BREs), como JBoss Drules, usa encadeamento para a frente para tomar decisões com base em um conjunto de regras de negócios (Rulebase). O objetivo deste projeto seria criar uma Base de Regras que permita ao consumidor escolher um conjunto de opções alinhadas com suas circunstâncias, necessidades e objetivos particulares. Uma vez que as regras são facilmente mantidas, o projeto poderá posteriormente ser a base de um site útil. Título: NP05 Uma base de regras para selecionar um plano de pagamento para celular É semelhante ao NP04. Os diferentes provedores têm diferentes opções de pagamento com base no uso, o saldo de chamadas versus texto, a quantidade de download de dados, etc., por isso pode ser difícil escolher o plano mais adequado. Business Rules Engines (BREs), como JBoss Drules, usa encadeamento para a frente para tomar decisões com base em um conjunto de regras de negócios (Rulebase). O objetivo deste projeto seria criar uma base de regras para um BRE para permitir que o consumidor insira seus detalhes e preferências e receba uma recomendação sobre o plano de pagamento dos provedores que eles deveriam escolher. Uma vez que as regras são facilmente mantidas, seria possível criar um sistema que fique atualizado com novas ofertas, provedores, etc. Título: RSu04 Uma resposta direta ao sistema de resposta para documentos musicais (novo 692011) O objetivo será construir E avaliar um sistema que pode responder a perguntas simples sobre música clássica irlandesa, com base em informações contidas em uma coleção de documentos. Uma troca típica pode ser: - Q: Quem escreveu No país de montanha A: EJ Moeran Título: MC03 Um gerenciador de portfólio de ações para Android ou iPadiPhone Um aplicativo que permite ao usuário adicionar ações no portfólio de ações, incluindo o número de ações compradas, O preço de compra, as taxas pagas, o dividendo pago (se houver) O aplicativo deve ser capaz de mostrar o valor atual de sua carteira baixando os preços atuais de um site, como o Yahoo finance. Deve ser possível designar mais de uma fonte. Para cada item de estoque, o item deve mostrar o - Nome do estoque, seu ID do ticker, o preço atual, uma indicação de se o estoque subiu ou caiu. Ao clicar no estoque, deve ser possível detalhar os detalhes do estoque que Deve mostrar - Nome do estoque, seu código de ticker, o preço atual o número total detém o valor total, o custo total do preço da ação break-even exit do preço da ação de retenção (ou seja, o preço pelo qual podemos reter 50 das ações Mas ainda recuperam os custos totais.) O dividendo anual atual os gráficos de rendimento de dividendos atuais mostrando as tendências dos preços das ações Para cada parcela de ações compradas, o aplicativo deve mostrar - a quantidade de ações comprou o preço de compra o custo total para esta parcela o dividendo no tempo De comprar o rendimento de dividendos no momento da compra O gerente de portfólio deve oferecer uma série de ferramentas úteis para apoiar a seleção de ações, como uma calculadora de rendimento de dividendos e uma calculadora de Ratio de Into (ver livros e site de Motley Fool ). Projetos semelhantes já foram feitos no passado, então uma quantidade significativa de trabalho de investigação já foi realizada e está disponível lendo os relatórios do projeto. Nenhuma dessas versões foi tão abrangente quanto o proposto aqui. Título: ML01 Adoção de tecnologia no ambiente de saúde irlandês Realize um estudo de pesquisa de aplicativos de tecnologia lançados e usados ​​em uma ou mais configurações de saúde irlandesas. Um quadro teórico deve ser construído com base na teoria da adoção da tecnologia. Este quadro será então utilizado como base para o estudo. O objetivo deste estudo é caracterizar a natureza da adoção de tecnologia em um conjunto distinto de configurações de cuidados de saúde na Irlanda. Desenvolva um aplicativo que será executado no plano de fundo do seu telefone Android e monitorará seu nível de atividade (dormir, caminhar ou correr, digamos) e exibir essas informações. Plataforma: SDK do Android Título: MEn01 Analisando a estrutura do pacote dos Sistemas de Software programados em Java A estrutura arquitetônica dos sistemas de software pode ser refletida na estrutura do pacote quando eles são implementados. No entanto, ao longo do tempo, esta estrutura pode se deteriorar e a estrutura original é perdida. Este projeto visa estudar como a estrutura do pacote dos sistemas de software Java muda durante a vida útil de um sistema de software e visa investigar se uma análise da estrutura do pacote pode informar com relação à estrutura arquitetônica de um sistema. Título: JC06 Aplicativo para Android para reconhecimento de rosto Desenvolva um aplicativo para Android para reconhecimento de rosto. Capture uma imagem frontal de um rosto, remova o plano de fundo e use Análise de componentes principais para nomear a pessoa na imagem facial capturada. O aluno deve ser alfabetizado numericamente e ser um programador Java competente. O conhecimento do desenvolvimento na plataforma Eclipse seria uma ajuda, mas não é um pré-requisito. Título: NN03 Arcade Game for the Android Platform O objetivo deste projeto é desenvolver um jogo de arcade para um tablet andor ou smartphone Android. O projeto também envolverá o desenvolvimento de um site altamente interativo que permitirá o registro do usuário e também manterá um banco de dados com resultados. A ênfase neste projeto também é sobre o design gráfico que deve ser de muito alto padrão. Este projeto envolverá não apenas o desenvolvimento do jogo, mas também o desenvolvimento de um site de apoio. Título: JB01 Autocompletar Autocompletar é uma instalação IDE que solicita aos programadores possíveis terminações para classes e métodos que eles estão digitando atualmente. Ele serve para reduzir o número de erros de digitação e lembrar ao programador do subconjunto de instalações que eles desejam reutilizar quando não tem certeza. Este projeto é um plug-in de aprimoramento para o Eclipse que melhora a facilidade de preenchimento automático codificando as opções (auto-completar) com base em informações adicionais analisadas a partir do código-fonte ou de restrições arquitetônicas baseadas em XML. Título: GT04 Automated Studio Orchestra - Composição Desenvolvimento de uma composição em tempo real, que usa todos os equipamentos e instrumentos de hardware disponíveis no UL Recording Studio corretamente conectado e controlado por um computador host. Protocolo de comunicação: MIDI e OSC. Software: MaxMsp ou Pd. Título: LMc04 Sistemas automatizados para a produção de arte digital A preparação, criação, organização, edição e pós-produção de arte digital pode ser um processo longo e laborioso. Esta é uma exploração no projeto de sistemas que automatizam alguns ou todos os processos acima, liberando o artista digital de algumas das partes de produção mais intensivas em mão-de-obra. Título: MEa05 CAL para PSO, ASO e AIS Desenvolva um pacote interativo de Aprendizagem por Computador para ilustrar e investigar o funcionamento da Otimização de enxertia de partículas (PSO), Otimização de colunas de formigas (ACO) e sistemas imunes artificiais (AIS). Título: JC08 Calendar Analyzer Um aplicativo de Business Intelligence que analisa um calendário e calcula a quantidade de tempo gasto em tarefas específicas, atendendo pessoas específicas, etc. Título: JB04 Calendar Commotement Linker Muitas vezes, reunião em uma agenda de pessoas será vinculada. Eu, por exemplo, pode conhecer meus alunos do FYP a cada 2ª semana. Dado o intervalo de 2 semanas, eu posso esquecer os detalhes da nossa última visita. Se a frequência das reuniões for consistente, isso não é uma questão, como posso reverter para a consulta anterior e lembrar-me. Quanto melhor seria se o software do calendário pudesse recuperar a rede, durante um período de tempo limitado, encontrar um compromisso altamente similar e preencher automaticamente a seção de notas desse compromisso na criação do novo. Este projeto irá estudar a criação de tal complemento Título: JG03 O site de compartilhamento de carro da UL UL está tentando encorajar o compartilhamento de carro e atribuiu alguns pontos de estacionamento para quem compartilha. Um colega de UL escreve todos os dias de semana, deixo minha casa em Bru na Gruadan entre as 8:30 e as 8:40 para estar na Universidade antes das 9:00. Eu geralmente deixo aqui entre as 5:00 e as 5:30. Para ambas as viagens, viajo sozinho com 1 assento sobressalente na minha van. O problema aqui é que eu não conheço ninguém (Pessoal ou Estudante) que se beneficiaria de um elevador que eu gostaria de oferecer com prazer. Este fyp seria um sistema onde as pessoas poderiam anunciar um (s) assento (s) em oferta ou dispor de um (s) assento (s) oferecido por outra pessoa. Eu previveria um back-end do banco de dados com um front-end do site. Sistemas já existentes já existem no domínio público, mas este seria um sistema que forneceu essa funcionalidade especificamente para a equipe da UL e talvez estudantes. Um aspecto seria que ele poderia se conectar ao Universityrsquos Active Directory para que o usuário final pudesse entrar usando sua conta existente. Isso também proporcionaria uma maior paz de espírito no sentido de que, o usuário final teria uma idéia melhor de quem eles deveriam colecionar ou viajar. Outros fatores a considerar são a proteção de dados e a segurança dos dados. Seria necessário que haja diferentes níveis de permissão do usuário. Título: MEn04 Comparação do uso de linguagens de programação Programação orientada a objetos, C, C, Java, Métricas de software, Compreensão para o CJava Descrição do projeto: Existe ampla discussão de quais linguagens de programação são consideradas como o lsquobestrsquo. O objetivo deste projeto é levar uma série de projetos desenvolvidos em C, C e Java e comparar a qualidade dos projetos. Como a qualidade dos projetos é medida, está aberta a discussão, mas provavelmente envolverá o uso de algumas métricas de software. LsquoUnderstandrsquo é uma útil ferramenta de análise de código-fonte que pode ser usada neste projeto. Título: JC05 Recuperação de Componentes usando Algoritmos Evolutivos: Recuperação de Componentes usando Algoritmos Evolutivos: com um gráfico de dependência como uma visão de baixo nível de um sistema de software, use algoritmos evolutivos para agrupar nós no gráfico em componentes e especifique suas interfaces usando o Component-Based - Abordagem de desenvolvimento defendida por Cheseman e Daniels em seu livro 2002 ldquoUML Components: um processo simples para especificar o Softwarerdquo baseado em componentes. Qual é a relevância deste projeto Um dos muitos exemplos é que a especificação de componentes é um passo vital ao mover um sistema herdado para o paradigma SOA (Architecture orientada a serviços). O Algoritmo Evolutivo será fornecido com permissão de terceiros. O aluno deve ser um programador competente em pelo menos um dos idiomas orientados a objetos. Título: KH01 Composition for Computer Plus. Com o advento da música eletroacústica no século 20, os compositores tentaram combinar recursos eletrônicos com instrumentação clássica com diferentes graus de sucesso. Idéias diferentes levaram a diferentes abordagens para reunir seres humanos e eletrônicos, desde trabalhos médios fixos até música informática em tempo real. Este projeto propõe estudar e analisar obras significativas no repertório, especificamente sobre quais aspectos de cada trabalho levaram à sua influência na história da música. Um componente significativo dessa proposta será uma composição eletroacústica original com instrumentista (s). Portanto, esta proposta destina-se apenas a estudantes com treinamento de música clássica. Título: JC04 Rascunhos de computador usando reforço Aprendizagem de rascunhos de computador usando o reforço Aprendizagem: treine uma rede neural para executar rascunhos usando a aprendizagem de diferença temporal, um tema do campo do paradigma de aprendizagem de reforço. A rede deve melhorar sua performance ao longo do tempo, jogando continuamente contra si mesmo. Este projeto irá introduzir o aluno em um dos principais paradigmas na aprendizagem automática e fornecer informações sobre os desafios em relação à busca e ao viés de representação. Título: PH06 Chegadas de ônibus Crowdsourcing Uma vez que você pisa em um ônibus, você pode ajudar os outros a rastrear o progresso do ônibus, transmitindo sua localização. Desenvolva um sistema que substituiria uma solução cara de ônibus Eacuteireann enviando sua localização de ônibus para um servidor. Os movimentos do ônibus podem então ser acessados ​​por outros que esperam pelo ônibus. Plataforma: SDK do Android Título: CS03 Visualização de dados em Doença crônica que suporta a criação de sentido na autogestão com a literatura gráfica mostra que muitas aplicações de monitoramento de saúde continuam dependendo de um pressuposto de nave de que, uma vez que os dados são coletados e apresentados aos indivíduos, Inferências apropriadas de forma não problemática (Mamikina et al., 2008). O projeto deve ter como objetivo explorar, testar e avaliar com usuários reais uma série de formas gráficas inovadoras de visualização de dados no monitoramento da saúde. Possível ambiente: MatLab, GraphWiz, etc. Este projeto estará em conexão com um projeto maior (IDC FutureComm), visando visualizar, desenvolver e avaliar cenários futuros para inovadoras Tecnologias de Informação e Comunicação no domínio da Saúde. Título: CS04 Visualização de dados em doenças crônicas que ajudam a fazer sentido e a agir em auto-monitoramento. As práticas de auto-monitoramento estão crescendo rapidamente como um efeito da explosão de doenças crônicas, bem como de práticas de prevenção. A literatura mostra que muitas aplicações de monitoramento de saúde continuam a depender de uma suposição absoluta de que, uma vez que os dados são coletados e apresentados aos indivíduos, eles elaborarão inferências apropriadas de forma não problemática (Mamikina et al., 2008). O projeto deve visar explorar, testar e avaliar uma série de formas criativas inovadoras de visualização de dados em auto-monitoramento (predominantemente, mas não só, na área de cuidados de saúde). A criatividade e as boas habilidades gráficas são desejáveis. Ambiente possível: MatLab, GraphWiz, Flash, etchellip Título: JC03 Desenvolvimento de um recurso de ensino de software Desenvolva um recurso de ensino de software que será publicado através do National Digital Learning Repository. Especificar requisitos, análise e artefatos de design para um sistema de reserva de hotel distribuído. O sistema deve ser construído e implantado em um servidor de aplicativos em conjunto com um mecanismo de fluxo de trabalho. Objetivo é desenvolver um conjunto de recursos que possam ser usados ​​no palco para ilustrar como a teoria se traduz em prática. Título: MF07 Digital Art Platform Um esforço pioneiro para trazer Art para a era digital, criando uma plataforma para dar autonomia ao criativo. Um ambiente sem preconceito ou expectativa para o artista exibir sem agenda comercial, por sua vez, abrindo a experiência online e offline para o artista e o amante da arte, como aconteceu com a música na década de 90. Fundamentalmente - construir uma comunidade de arte que permita aos criativos exibir, conhecer, trocar, organizar e trocar, facilita o potencial ilimitado. Uma plataforma digital intuitiva com uma polinização cruzada de artistas de múltiplos antecedentes, arredores, influências e geração para colaborar, vender ou exibir Arte a uma escala internacional em terreno neutro comercialmente neutro. Projeto: para desenvolver aplicativos e CMS para os objetivos acima. Tecnologia: iOS, Android e, por exemplo, Droomla. Título: RSu01 Documentary Film: Life of a Musician (novo 692011) O objetivo será fazer um pequeno documentário sobre a vida de um músico clássico. Supõe-se que haverá uma mistura de imagens de estúdio, tiros de localização e assim por diante. Você também pode compor música para o seu filme. Pode haver jogadores locais, e. No ICO, que estaria disposto a ser o tema do filme. Título: RSu02 Documentary Film: Life of a Artist (novo 692011) O objetivo será fazer um pequeno documentário sobre a vida de um artista (por exemplo, um pintor de retratos). Supõe-se que haverá uma mistura de imagens de estúdio, tiros de localização e assim por diante. Você também pode escrever música para o seu filme. Título: Engenharia de Requisitos de Domínio NP06 para Agendamento de Recursos Há um corpo considerável de literatura sobre os tópicos de pesquisa de famílias de programas, linhas de produtos de software (SPL) e engenharia de domínio (requisitos). Técnicas como o FODA (Análise de Domínio Orientado a Recursos) estão bem estabelecidas para sistemas de modelagem em um nível alto, mas não oferecem suporte para especificar os requisitos. Um domínio de aplicação, como o agendamento, contém uma variedade de problemas de software e soluções que apresentam características comuns (também conhecidas), bem como características variáveis ​​(também conhecidas como variabilidades). Este projeto permitiria que um bom aluno contribuísse para essa área investigando um domínio de aplicação específico e identificando os pontos comuns e as variabilidades dentro dele. O objetivo final deste projeto é desenvolver uma maneira eficaz de especificar requisitos de domínio em termos de características comuns e variáveis ​​e, em particular, os requisitos de qualidade. Sugere-se a seguinte abordagem, com foco no domínio do agendamento (geralmente, a alocação de recursos para tarefas): Estude os recursos e os requisitos de qualidade comuns a um amplo conjunto de sistemas de agendamento. Identifique os recursos que estão sempre incluídos em tais sistemas e os recursos que são considerados desejáveis ​​e aqueles que são opcionais nesse domínio de aplicação. Reverse-engineer os recursos em uma especificação de requisitos abrangente para uma família de sistemas de agendamento. Seu modelo de especificação será baseado em um modelo de especificação de requisitos existente, mas modificado para distinguir efetivamente os requisitos comuns dos variáveis ​​e para mostrar as interdependências dos requisitos variáveis, com base em suas descobertas. Um projeto que deve esticar o aluno correto. Título: JG05 DVReport para Moodle 2.X DVReport é um add on para Moodle 1.9.X. Moodle é um sistema de gerenciamento de aprendizagem (moodle. org). O DVReport fornece feedback visual aos alunos sobre suas atividades e notas online no Moodle. A versão mais recente do Moodle (ver 2.X) foi totalmente re-codificada e add ons de versões anteriores não funcionam. Este projeto trata de atualizar o DVReport para que ele funcione no Moodle 2.X. (Algumas informações aqui docs. moodle. orgdevBlocks, mas você precisará se registrar no Moodle. org e começar a ler sobre isso.) O PHP é o idioma usual para blocos de programação no Moodle. DVReport foi enviado por Julie Pichon em 200607. Você deve ler alguns (todos) do fyp antes de se comprometer com a proposta atual. Para apresentações em tempo real, há uma necessidade de um dispositivo portátil genérico para controle de áudio e vídeo. A idéia para este projeto é construir sobre a plataforma Arduino e projetar, desenvolver e avaliar um pequeno dispositivo portátil que possa sentir como ele é manipulado em termos de rotação, agitação, aperto, toque, arranhão, etc. e envie os dados do sensor usando BlueTooth ou outra tecnologia sem fio para um computador com Pure Data andor MaxMSP. Título: GA03 eAccessories (novo 692011) Depois de explorar uma série de projetos existentes na área de computação wearable, o projeto irá desenvolver um artefato para ser incorporado em roupas ou acessórios (como sacos, bolsas, cintos, chapéus), usando O Arduino Lilypad ou uma tecnologia similar. O artefato será destinado a melhorar a interação social através de uma conexão com um aplicativo de mídia social. Um protótipo será desenvolvido e a avaliação do usuário será realizada. Título: MEn03 Eclipse Plug-in para métricas de software As métricas são amplamente utilizadas para avaliar a qualidade do software e para construir modelos de previsão de características de qualidade externa do software. No entanto, tais modelos tendem a ser lsquoblack boxesrsquo que não fornecem insights sobre o próprio software. Ao fornecer visualizações de métricas de software para desenvolvedores de software, os desenvolvedores podem rapidamente identificar hotspots no código e, assim, concentrar sua atenção em certas partes e ajudar a sua compreensão. O objetivo deste projeto é fornecer essa ferramenta de visualização. Título: MEn02 Eclipse Plug-in para a Visualização de Mudança de Software Muitos projetos de software bem-sucedidos aguardam mudanças contínuas à medida que se adaptam a novos requisitos ou corrigem erros no sistema. É útil para os desenvolvedores de software estar conscientes das partes do sistema que são mais propensas a mudanças. Isso pode ajudar com estimativas de custo e recursos e com refatoração de código-guia. As ferramentas existentes fornecem visualizações do número de mudanças em um determinado momento. No entanto, essas ferramentas não mostram como a localização das mudanças, flutua ao longo do tempo. O objetivo deste projeto é abordar essa lacuna na visualização de software ao longo do tempo. Título: JG04 Comitê de ética especialista em sistemas de especialistas Ao realizar pesquisa envolvendo seres humanos na aprovação da UL deve ser procurado pelo comitê de pesquisa de ética da faculdade (www2.ul. iewebWWWFacultiesScienceampEngineeringResearchResearchAdministration) No entanto, os requisitos podem ser bastante difíceis de entender para novos pesquisadores (e até para alguns Dos pesquisadores não tão novos). Os sistemas experientes (aaai. orgAITopicspmwikipmwiki. phpAITopicsExpertSystems) foram desenvolvidos para permitir que um novato receba informações de especialistas quando um especialista não estiver fisicamente disponível. Esta proposta é projetada para usar um sistema especializado para fornecer orientação e suporte para aqueles que completam os formulários de aplicação de ética. O sistema especialista apresentará ao usuário uma série de perguntas e, em seguida, avaliará as respostas e completará (ou completará parcialmente) a documentação necessária e avaliará os requisitos éticos para sua pesquisa. Título: CR04 Produção de som evolutivo Use a evolução gramatical ou algum outro método evolutivo para evoluir sons ou filtros de som. Título: MEa04 Explorações em robótica evolutiva O campo da Robótica Evolutiva trata da evolução das estratégias de controle (cérebro) e / ou morfologia (corpo) dos robôs. De interesse específico é a evolução de artefatos de inspiração biológica capazes de lidar com os desafios das tarefas e ambientes do mundo real. Recomendado para alunos com QCA de 2,8 ou superior, e um grau de B no módulo de Sistemas Inteligentes. Título: CS06 Explorando a gamificação de tarefas tediosas e repetitivas O projeto pretende explorar a tendência emergente de lsquogamificationrsquo (youtubewatchv6O1gNVeaE4g) (g4tvvideos44277DICE-2010-Design-Outside-the-Box-Presentation) em diferentes áreas que lidam com tarefas tradicionalmente tediosas e repetitivas (blog. microtask201001a - future-of-work-paid-to-play). O projeto está aberto para explorar as áreas sugeridas pelo aluno (alternativamente, será sugerida a autogestão de doenças crônicas como asma, diabetes ou doença cardíaca). Pretende conceber uma metáfora de jogo e desenvolver um jogo que se adapte ao contexto selecionado e que ofereça participação e compromisso de usuários com uma tarefa específica. As habilidades criativas e de design são essenciais. Ambiente possível: flash, android, arduino. Título: MC05 FlutterBy - um jogo para lepidopteristas Em 2008, Finlay McAree escreveu um motor de física para jogos 2D como seu projeto final. Este projeto irá construir esse mecanismo para criar um jogo de coleta de borboletas totalmente realizado. O cenário básico para o jogo é que as borboletas estão vibrando sobre o campo de jogo. Low scoring, common, butterflies são facilmente acessíveis em altura normal, enquanto as borboletas raras e de alto valor flutuam fora do alcance. Um jogador deve coletar tantas borboletas como ele pode preencher seu caderno de espécimes em um período de tempo especificado. Para alcançar espécimes de alto valor, o jogador deve correr e pular e aproveitar as muitas rampas, trampolins, plataformas e correntes de corrente a serem encontradas no campo de jogo. Pegar mais de uma borboleta de cada vez atrairá pontos de bônus. À medida que as borboletas são capturadas, o livro de espécimes se enche. À medida que cada espécime é capturado, o número capturado, a fotografia real da borboleta, bem como seus detalhes são mostrados no livro de espécimes. A plataforma de destino para o aplicativo é o iPad. Uma implementação bem-sucedida do projeto resultará na liberação do aplicativo para a App Store. Prevê-se que este projeto seja realizado por duas pessoas. Uma pessoa (de LM051 ou LM110) será responsável pela programação enquanto outra (tanto da LM113 como da LM114) será responsável pela composição de seleção de músicas, bem como pelo design de gráficos e interfaces de usuários. Este é um projeto desafiador e exigirá pessoas com habilidades avançadas de programação, música e design. Uma versão de pessoa única deste projeto foi tentada no ano passado para a plataforma Android. O relatório do projeto está disponível mediante solicitação. Título: MF02 Freesound. ie Temos um número crescente de gravações de campo (no espírito do Projeto World Soundscape) e este projeto envolve o desenvolvimento e avaliação de um novo portal baseado na web para upload, navegação e interação social. O site também deve permitir a integração com o Google Maps, Twitter, Facebook, etc. O projeto provavelmente exigirá php, html5 e um CMS, e. Drupal. Título: CR01 Gamebryo Lightspeed Project Gamebryo Lightspeed é a mais recente ferramenta de desenvolvimento de jogos da Emergent, fabricante mundial de motores de jogos líderes. O departamento do CSIS recebeu recentemente uma licença acadêmica para usar esse software. É um mecanismo de jogo totalmente funcional que pode ser usado para prototipagem rápida e produzir jogos completos em praticamente qualquer gênero. Este projeto será sobre aprender a usar a ferramenta e produzir um jogo jogável. Título: KH06 Análise genética de musicologistas de música eletroacústica que recriam trabalhos musicais por outros compositores, a fim de analisá-los, praticar análises genéticas. Neste caso, a genética é a forma adjetival da gênese da semiótica. Este projeto de final de ano propõe selecionar uma parte de uma obra, um trabalho inteiro ou várias obras (acordadas entre o aluno e o supervisor) para recriar usando métodos informáticos para chegar a conclusões estéticas significativas do (s) trabalho (s) Investigado. Este é um projeto avançado que só deve ser realizado por estudantes com programação avançada e habilidades musicais, especialmente habilidades de analista musical. Observe: a análise genética NÃO é a mesma coisa que os algoritmos genéticos ou evolutivos. Título: GT01 Gestural Interactive Query Application para Multichannel Data Sonification Desenvolvimento de um aplicativo para a recuperação dinâmica de fragmentos de dados específicos de grandes conjuntos de dados sonificados em uma configuração de áudio multicanal. O aplicativo usa um dispositivo de luva baseado em WIMU que permite aos usuários navegar e controlar o fluxo de dados de áudio usando gestos simples e intuitivos. Título: CS07 Gluco-droid: um glucosímetro de dente azul de código aberto para telefones Android Pessoas afetadas por diabetes - especialmente tipo um - têm que verificar seus níveis de glicose de 4 até dezenas de vezes por dia, a fim de monitorar seus níveis de açúcar. Diariamente, esses valores são, portanto, uma atividade muito importante para a autogestão dos diabéticos. No entanto, embora possamos encontrar muitas aplicações de registro no PC e em ambientes móveis, a transcrição de dados do medidor de glicose para a revista (real ou digital) ainda é amplamente baseada na entrada manual. Isso cria problemas à medida que a repetição das entradas manuais degrada a motivação dos pacientes. O projeto visa desenvolver um protótipo de medidor de glicose que atualiza automaticamente os resultados dos testes através de dentes azuis ou Wi-Fi em um ambiente Android. Este projeto também pode ser executado em colaboração com alunos do último ano do Departamento de Ciências Esportivas da Educação Física sob a supervisão do Dr. Amir Shafar. Ambiente: sensores selecionados da Arduino, código para Arduino e Android. Este projeto estará em conexão com um projeto maior (IDC FutureComm), com o objetivo de visualizar, desenvolver e avaliar cenários futuros para Tecnologias de Informação e Comunicação inovadoras no domínio da Saúde. As interfaces de usuários tangíveis, música e multimídia tem sido um foco para muita pesquisa nos últimos anos, com, por exemplo, o ReacTable sendo o exemplo mais bem-sucedido (reagável). Com base em idéias semelhantes, a idéia para o Gooizer é usar massas de cores vivas (como Play Doh) e permitir aos usuários gravar, atribuir e processar sons com base na cor e na forma das bolhas da massa, detectada por um sistema de visão por computador . Uma plataforma proposta é usar Processamento (para visão por computador) e Pure Data (para áudio), conectado via Open Sound Control. O sistema resultante pode ser feito como uma instalação. Título: LC02 Hunt Museum Auxílio para visitantes no celular O Hunt Museum está buscando introduzir um novo suporte interativo para seus visitantes através de telefones celulares e códigos QR (resposta rápida). Este projeto incidirá no desenvolvimento de duas trilhas de piloto em estreita colaboração com a equipe do museu. O aluno reunirá requisitos da equipe e dos visitantes do museu, projete duas trilhas temáticas, implemente-as em pelo menos uma plataforma de celular e avalie-as enquanto usadas pelos visitantes do museu. O Museu da Caça fornecerá a informação e assistência necessárias para o desenvolvimento do conteúdo da aplicação. Este projeto envolverá uma estreita colaboração com o museu e permitirá ao aluno resolver um problema de design de interação do mundo real. Título: PH02 Eu deveria saber, sou um especialista em computação em nuvem, é uma técnica de computação distribuída que está crescendo em popularidade. Usando um dos frameworks para computação distribuída (provavelmente Hadoop), desenvolva um aplicativo que rastreia a web procurando currículos. Uma base de dados pode então ser constituída de quem tem experiência em quais habilidades. (Veja o PH03 também.) Plataforma: Linux Desktop Hadoop (ou Googles MapReduce) Título: JC01 Identificação de clones em imagens Identificação de clones em imagens: use uma medida de correlação simples, como distância euclidiana em espaço dimensional alto, para determinar quais chaves são clones dos quais , E implementar como um aplicativo de smartphone. Deve permitir ao usuário associar tags com imagens quando capturadas pela primeira vez no smartphone, ou seja, número de sala de escritório. Possui aplicabilidade no mundo real. Os principais proprietários que você conhece rotulam suas chaves Provavelmente não geralmente. Eles se preocupam em tentar as teclas iterativamente ao bloquear todas as portas da casa antes de ir de férias, por exemplo Provavelmente sim, se organizado. Mais consideração - deve oferecer para armazenar imagens em um servidor, mas teria que procurar mais em segurança. Título: PH03 Se Go é a resposta, qual é a questão O Google Go language (golang. org) afirma ser bem adequado para aproveitar ao máximo as máquinas multicore e em rede. Desenvolva um aplicativo distribuído (possivelmente PH02 acima) usando Go the language. Plataforma: Linux Desktop Title: NN02 Instalação de arte interativa em um mundo virtual virtual O objetivo deste projeto é a criação de uma instalação de arte em um mundo virtual online (por exemplo, Second Life ou qualquer mundo virtual baseado em OpenSim). O projeto envolverá modelagem 3D e criação de textura de alto padrão. A instalação envolve a programação para torná-la interativa. O projeto também pode envolver a criação de um site de apoio. Title: KH07 Interactive Software Tutorials in Math and Physics for Musicians In the field of music technology, musicians are often called upon to understand mathematical and physical models of acoustic vibrations, resonating bodies, and other complex mechanical systems. Many musicians do not have the mathematical background to understand these principles. This project proposes to create a series of interactive tutorialsdemonstrations of the mathematical and physical foundations of resonating systems that musicians could use to intuitively understand the math and physics in their field. Title: GT02 Interactive Window Shop Public interactive installation based on image analysis. Proficiency in object oriented programming is required Title: CS05 Internet of Things and self-care in chronic disease: Smart food scale supporting food preparation and cooking for people with diabetes. The project aims to prototype a Wi-Fi smart food scale and a smart phone application to support food preparation for people with diabetes type 1 and 2 (or anyone should follow special diets). The application should provide users with relevant information in the context of food preparation (e. g. diabetics should count carbohydrates in order to adjust their insulin intake, presence of fats or fibers have also effects). This project can be also run in collaboration with the Physical Education amp Sport Science department. Good programming and design skills are desirableessential. Environment: Android, Google APIs, Arduino or Android accessories API Title: MEa01 Kinect for Windows SDK beta based project Use the recently released Kinect for Windows beta programming toolkit for an interesting and novel gamesrobotics application. Project recommended for students with a QCA of 2.8 or higher. Title: ML05 Lean healthcare - what does this mean to healthcare IT departments Conduct a research study that studies the application of lean thinking to the healthcare industry. Your study should perform a literature review of lean thinking and how it has been applied within healthcare settings. The focus of the literature review should be on two areas: the impact of lean process changes to IT departments. the application of lean thinking within IT departments. Is there evidence of the application of lean principles to software development projects within healthcare settings. This literature review should enable you to design an approach to gather further data on the impact of lean healthcare practices to IT departments. A key aspect of the project will be insights and reflections gleaned from the research findings. Title: GA04 Limerick - today and yesterday (new 692011) This project builds on an existing augmented reality development framework (possibly Layar). Based on an initial selection of images from the archives of the Limerick City Museum available as OpenData, the project will explore the possibility of adding a virtual layer to the city of Limerick, by superimposing photos of old buildings on the current images of the actual sites, in an attempt to provide a richer visitor experience. The project will involve developing a prototype and evaluating it with users. Title: CR02 Limerick Limerick Generator Grammatical Evolution is the worlds most well used Automatic Programming system, using Grammars to guide how to produce programs. This project will involve producing grammars for Limericks (or some simple and well established form of verse) and using an existing tool to produce a system to automatically evolve poetry. Title: LC05 Location-based Student guide to UL through crowdsourcing The design, development and evaluation of a mobile student guide to the UL Campus that, based on location, allows students to add comments and information for other students to access. Current location-based social media such as Foursquare and Gowalla have shown the usefulness of crowdsourcing in collecting relevant information, hints and tips regarding a particular location that users can access, share and further contribute to. This project focuses on the design of a similar guide for the UL Campus from the perspective of students. The project will involve following the Interaction Design process to gather requirements and develop design ideas and the realisation of a working prototype to be tested on site. Create a short animated movie using Machinima techniques. machinima Title: MC07 Machinima: A music video created through the medium of Second Life The objective of this project is to create a visual interpretation of traditional as Gaeilge songs such as Taacute na Baacuteid, Taacuteimse i mchodladh and Thuacuteas ag Gort a Chaacuternaacutein, using the medium of Second Life (see MC06). For inspiration see the Anam An Amhran videos created by the Cartoon Saloon for TG4 (cartoonsaloon. ieindex. php200912tv-series-siog-na-ran) Alternatively, create a visual interpretation of such Hindi songs as - Jaane woh kaise (see youtubewatchvFRBJ71oBzqw and youtubewatchvzN33WS6S1Vw) or Dil hi to hai (see youtubewatchvlIrvq5-Cp40) or Yaad Kiya Dil Ne (see youtubewatchvpf5EFXATWm0 A very successful project of this type was done last year. The FYP Report for the project is available on request. The video may be seen at youtubewatchvjeQOaP3urMampfeaturefeedf Title: MC06 Machinima: An animated movie based on a John Wyndham short story created through the medium of Second Life. Second life is a virtual world environment. Users interact with the world by means of customizable onscreen characters called avatars. An avatar is a virtual character in the Second Life world which the user controls using the mouse and the keyboard. Avatars can communicate with one another using audible conversatio n or built-in chat and instant messaging. Second life provides a large range of exotic locations with which to interact. Users can even build their own locations. Second Life interactions can be recorded with a controllable camera. The objective of this project is to create an animated movie through the interactions of avatars in the Second Life environment. The movie will be based on one of John Wyndhams short stories A script will be required which actors will perform using their Second Life avatars. Some virtual sets may have to be built. The performance will be recorded and then edited to create an animated movie. A very successful project of this type was done last year. The FYP Report for the project is available on request. You may see the video at vimeo22229248 Title: MC08 Machinima: An instructionaldocumentary video made through the medium of Second Life. The objective of this project is to create either a documentary or an instructional video on some subject using the medium of Second Life. For inspiration see the Male Restroom Etiquette at youtubewatchvIzO1mCAVyMw Title: NN05 Massively Multiplayer Browser-Based Game The goal of this project is to develop a massively multiplayer online game that will be played in a browser. The actual topic of the game will be chosen by the student. Ideally, by the demo day the game should be online. The project involves the development of a highly-interactive website with the use of the AJAX technology as well database design. Title: MC01 Mobile Aromatherapy Advisor The advisor will allow users to browse through an oil database. It will assist users who wish to create their own oil blends by identifying compatible oils. It will assist users who wish to create their own essential oil perfumes by identifying compatible oils with the appropriate scent notes (i. e. Top, Middle, Base). For a given ailment it will suggest oil remedies. To achieve a given effect it will suggest appropriate recipes. It will warn of possible dangers when any oil is chosen for a blend. We have already created a web page version and a PC based version of this project. This project will attempt to rewrite or port the existing PC based version to create a mobile version for the iPhone or the Windows Phone 7 or Android operating systems. Title: LC03 Mobile phone colour identifier Dressing nicely involves getting colour combinations right, something that is challenging for many blind and partially sighted people. A colour identifier that works through the camera of a mobile phone would be useful. At its simplest, it could tell light from dark or the blue end of the spectrum from the red. Being able to distinguish blues and greens in different lighting would be more challenging. This project is in collaboration with the NCBI Centre for Inclusive Technology (CFIT), which would be able to assist students with requirements gathering, design, user testing and technical accessibility. Title: GT05 Modal Harmonizer Plug-in Development of a software plug-in which investigates and expand capabilities in modal scales harmonizers and their creative use for solo instrument performances. Possible development of hardware (sensor base) interface. Title: KH04 Music amp Chaos Theory A variety of non-linear chaotic systems have been applied to compositional practice, sound design, and music analysis. This proposal is open to a variety of final year projects, including but not limited to: music composition utilizing chaos theory, sound synthesis methods using chaos, software package for music generation through chaos theory for non-technical musicians, or an original suggestion by a student. Title: KH02 Music amp Evolutionary Algorithms Evolutionary algorithms, such as cellular automata or genetic algorithms, have been applied to the field of music often as a way to generate new musical material. This proposal is open to a variety of final year projects, including but not limited to: music composition utilizing evolutionary algorithms, sound synthesis methods using evolutionary algorithms, software package for non-technical musicians, or an original suggestion by a student. Title: KH03 Music amp Neural Networks Neural networks can be applied to a variety of musical tasks, from sound design to music composition to computer improvisation. This proposal is open to a variety of final year projects, including but not limited to: music composition utilizing neural networks, sound synthesis methods using neural networks, software package for musical neural networks designed for non-technical musicians, or an original suggestion by a student. Title: GA05 Need a ride (new 692011) Based on existing solutions developed elsewhere, this project will explore the design of a car pooling application for UL that would make extensive use of existing Social Media applications. It will include features like calendar, maps, reputation system, and it will be dedicated strictly to UL students and staff. A working prototype will be developed and tested with users. Title: LMc06 New systems for live audiovisual performance There are endless ways in which to interface with and control digital systems during performace. You should design a number of protoype control surfaces for interfacing with digital systems of your preference. These should be tested against their success during realtime performance. Title: MC09 Orchestral Breakout for the blind Breakout was arcade game developed by Atari, Inc and introduced on May 13, 1976. In the game, a layer of bricks lines the top third of the screen. A ball travels across the screen, bouncing off the top and side walls of the screen. When a brick is hit, the ball bounces away and the brick is destroyed. The player loses a turn when the ball touches the bottom of the screen. To prevent this from happening, the player has a movable paddle to bounce the ball upward, keeping it in play. (Wikipedia). Breakout is a simple but very visual game. The challenge for this project is to create a version of the game that is playable by partially sighted or blind players. Although the category for this project is given as Game Development this may well turn out to be a research project. How can a visual game provide sufficient clues to allow blind or partially sighted players to play it One suggestion is that aural clues be provided as to the location of the bat, the ball, and the position and number of the remaining bricks. A colleague has suggested that the bricks might be aurally represented by instruments in the orchestra (hence Orchestral Breakout). Stereo effects and knowledge of the layout of the orchestra should allow a player to discover the location and number of the remaining bricks. The location of the bat (which always moves on the same plane across the screen) could be represented as a continuous tone that rises in pitch as the bat moves right and falls as it moves left. The screen might be logically divided into a number of vertical pitch bands. Using this idea we would be able to identify the horizontal position of the ball using the pitch bands and could represent the vertical location by pinging in the appropriate pitch (slower pinging might indicate that the ball was at the top of the screen while faster pinging would occur as the ball approached the bottom of the screen). The ball and bat would be in vertical alignment when they were both playing the same tone the ball pinging and the bat continuous. The suggestions of aural clues provided here are just suggestions. You may decide that other mechanisms such as a feedback mouse, or Wii controller, or some other device might be more suitable. Examples: A number of ideas for games suitable for blind players as well as examples of existing games are to be found at - omninet. net. au Title: LC01 Perception of distance on social networking sites, design for digital closeness Social networking utilities are useful in creating links between people, and in providing users with a sense of closeness to others. But what do closeness and distance mean in the world of social networking Is closeness perceived socially, emotionally or professionally Is distance on a social network coinciding with physical distance or are the two completely separate This project investigates how users of social networking tools perceive these notions, and includes the design of an installationapp to support digital closeness based on the information collected from users. Title: PH07 Photo Mosaic Wizard Project Code: PH07 Project Title: Photo Mosaic Wizard Project Category: Software Application Development Create a collage of photos from a database so that the composite has a likeness to a chosen picture. Some examples: artensoftArtensoftPhotoMosaicWizardscreenshots. php For an illustration of how it can be done using dominos go to - 4c. ucc. ie The program could be packaged as a web service but this is of secondary importance here. Title: MEn05 Prediction Model for Software Change Prediction models are widely used for software estimation. Such models use statistical, AI and other approaches. The aim of this project is to use one of these approaches to validate a set of software metrics for software change. The metrics can be easily extracted from the code using the Understand suite of source-code analysis tools. Title: MEn06 Prediction Model for Software Faults Prediction models are widely used for software estimation. Such models use statistical, AI and other approaches. The aim of this project is to use one of these approaches to validate a set of software metrics for software faults. In other words, the metrics are examined to determine if they are useful to determine where faults occur in the system. The metrics can be easily extracted from the code using the Understand suite of source-code analysis tools. Title: MC02 Program Tutorial System The Jackson approach to program design separates the algorithm architecture from the executable program statements. This idea can be used to produce a web-based system that allows us to create useful programming tutorials. In this tutorial system the lecturer provides a working program, the program test data, the expected results, and the program specification. The student is shown the program specification and the randomized executable statements and is then tasked with reordering them so as to produce a working program that produces the correct results. The system will accept the students reordered statements, submit them to the console based COBOL (or other) compiler for compilation, linking and running and, assuming that the reordered program compiles, will then compare the actual results with the expected results. The usual administrative and user functionality that such a system might entail will also have to be provided. Title: ML04 Project management of software engineering within a healthcare environment Conduct a research study that explores the issues surrounding the management of software development projects within healthcare settings. You are expected to do a literature review of project management as it relates to IT projects within healthcare environments. This should enable you to build a research program to determine any project management issues that may be associated with healthcare settings. A key aspect of the project will be insights and reflections gleaned from the research findings. Title: PH05 Racetrack for the Android Phone Racetrack is a very enjoyable pencil-and-paper game (see wikipedias description of it for more information). Develop an application that will run on Android phones to play this game electronically. Platform: Android SDK Title: KH05 Random and Stochastic Methods in Music Since the 20th century, composers such as Iannis Xenakis have developed random and stochastic processes, their generation, and their implementation into music. This project proposes to research and analyze the history and current practices in these methods. A significant component to this proposal will be an original electroacoustic composition utilizing random or stochastic methods. This is a web-based facility similar to Doodle but which has substantial constraint-based problem solving facilities incorporated. For example, every participant might be allowed rank their possible time for the meeting and the system would report the ideal time, based on minimization of the total rank. A stretch goal would be to show how the ranking is calculated to the user, thus making the system ideal as a tutorial for Management Science students. Title: NN04 Ranking App for LinkedIn The goal of this project is to develop an app for LinkedIn that allows a user to compare themselves to other people on LinkedIn, find similar to them people in their friends network, identify organisations which employ similar to them people, etc. The project will involve learning a potentially new API as well as research in social network analysis. Title: JC07 Re-engineer a sequential Simple Genetic Algorithm (SGA) into parallel format using OpenMP for optimal deployment on a multicore platform. Reengineer a sequential Simple Genetic Algorithm (SGA) into parallel format using OpenMP for optimal deployment on a multicore platform. The availability of parallel hardware at reasonable affordable prices through multicore processor technology has given rise to the Third Software Engineering crisis ndash the reengineering of code developed using the sequential paradigm into a format that exploits the hardware resource available. This FYP will introduce the student to the OpenMP library that supports the manual parallelisation of software for shared memory deployment. The student should be familiar with CC or Fortran, and capable of self guided study on OpenMP. Title: MC04 Readability checker plugin for Microsoft Word The plugin should allow users to analyse the readability of Word documents. Users of Word can already request readability statistics but this project will offer a far more sophisticated analysis. Users of the readability plugin should be able to specify a style model suitable for their target audience. The readability program should analyse the Word document, produce a style diagram and various readability indices, and should identify sentences that dont fit the style model. The project will be based on an application produced many years ago by Scandinavian Systems. The manual for that application will form the functional specification for the project. The specification may be modified by any applicable modern research. Advanced students wishing to attract a high grade for the project should make it possible for users to define new style models. This could be achieved by feeding the program with documents written by an author upon whose style the model is to be based. The program could create the new style model by analysing the writing style used in the documents. References: Readability Program for the IBM PC, XT and AT - Scandinavian Systems PC - Manual. Title: CR03 Robotic Control by Evolution Use Grammatical Evolution to evolve control programs for simulated robots. Title: NP03 Role-playing Game for Requirements Engineering The concept of a Stakeholder is a very important one in requirements engineering: a requirement is anything that matters to a stakeholder and stakeholders are all the people who matter in a system. In playing this proposed game, the player would enter a world populated with different types of Stakeholders and would navigate through a series of encounters and meetings to elicit and discover a target set of requirements for a target system. The target system will be one invented by the game designer and involve some unpredictable but logically coherent functionality hat they cannot be guessed by the player. The idea of the game is to illustrate the relationship between the goals, requirements, constraints, business rules and other sources of requirements for a system. It could be implemented as a single-player game enhanced with some suitable multi-media aspects, or for the very ambitious student, a multiple role player game where players have to cooperate as well as compete in order to achieve the desired result. Title: NP01 Security Requirements Assistant Even in the best-run requirements engineering projects, non-functional requirements such as Security rarely receive the attention they deserve, resulting in vague, broad requirements which are not much use. Há várias razões para isso. One reason is the unavoidable confusion between the requirements and the solutions in this area another is the lack of suitable formats or templates for expressing security requirements. The student undertaking this project needs to have a very good knowledge of both security threats and solutions and a willingness to learn about requirements engineering, its significance, its strengths and its difficulty. The project itself will be a knowledge-based tool to help elicit and validate the precise security requirements appropriate for a system or product, yielding testable, well-specified specifications. Title: GA01 Social Media strategy for The Hunt Museum (new 692011) The project will start with an exploration of the various ways cultural institutions (in particular museums, art galleries and heritage sites) are using Social Media applications (YouTube, Twitter, Facebook etc) to share news, communicate with the public and attract visitors. Based on this, a Social Media strategy for the Hunt Museum in Limerick will be developed and tested, by incorporating SEO and Google Analytics for checking the impact of each initiative. Based on the findings, a recommended solution will be forwarded to the Hunt Museum curators. Title: NN01 Social Network Browser for Twitter This project aims at the development of a Twitter app that visualises a Twitter network of followers of a particular twitter account. The app should make it easy to identify the most important people in the network subject to various criteria (based on social network analysis theory). The user should be able to choose among a number of different visualisations. This project will involve Web development with the use of the Twitter API. It will also involve research in social network analysis and visualisation. Title: RSu03 Software Robotics: Conducting Machine (new 692011) The aim will be to design and build a robot that can conduct music. Given a simple input score, the robot will conduct it. This will be evaluated by getting the robot to conduct actual classical musicians. A very simple robot will be required the main part of the project will be interpreting the score and deciding how to conduct it. Title: MF04 Sonification Exploration Tool for Spreadsheets This project can be done at different levels of difficulty, depending on level of integration. Ideally, design and implement a plugin for a spreadsheet package (Excel, Numbers, OpenOffice, etc) that connects to Pure Data (PD), and design a number of PD-patches that can parametrically be controlled by data from the spreadsheet. For inspiration, think of the wizard-like feature most spreadsheet packages have for visual graphs, but in this project it is about having a number of template sonifications that the user can modify and adapt. Levels of difficulty a) Full integration. When data is selected in the spreadsheet, or when its recalculated due to change of an equation or variable, it is immediately sonified. b) Connection via. csv file. A. csv is exported, then imported and parsed by PD, then sonified. For inspiration, see for example Sonification Sandbox, sonify. psych. gatech. eduresearchsonificationsandboxsandbox. html The Sandbox only uses MIDI and traditional music instrument timbres and pitches. In this FYP, it is envisaged to go beyond this limitation and use anything from granular to formant to additive, subtractive, etc. synthesis, with flexible mapping of parameters to enable users to sonically explore the data set from different perspectives. Environment: Spreadsheet program of your choice, PD, (Xcode), Apple OS X. Title: MF05 Sound Object Models In the Sounding Object project ( soundobject. org), we investigated novel ideas about sound in ubiquitous computing. This FYP entails to design and evaluate a number of sound object models of everyday sounds, ideally chosen from the categories in our Ecological Sounds library ( idc. ul. iemikaelsoundsecosound. zip). In particular the Sound Object models should be parametrically controlled. For inspiration: soundobject. orgpaperssob. pdf soundobject. orgSObBookSObBookJUL03.pdf Title: MH01 Specifying and Validating Swarm Models with ASSL Biologically-Inspired Computing refers to the use of inspiration from nature in developing new classes of software (and hardware) systems. Inspiration is taken from swarms of bees and flocks of birds for various techniques that have solved complex problems and enabled advanced techniques in areas such as drug discovery, exploration in harsh environments, and networking. ASSL is a specification language and environment designed to support the development of such classes of applications. This project involves the use of ASSL to specify and validate various swarming models (previously identified in a technical report) with a view to determining which swarm models are useful in particular circumstances and to determine the suitability of ASSL for dealing with swarm-based applications. Title: GT03 Spherical Sonic Browser Application and Device Design and develop a music application, which enables sonic browsing (i. e. the act of browsing computer files (audio loops) by means of the auditory system) and dynamic loop layering for real-time compositions. The physical interface consists of a sensor-augmented ball, through which the retrieval of its orientation data serves as main control device. Title: MC10 Stars implementation for the iPad (new 692011) Stars is a complex turn-based computer game based around the management of planets and fleets of spaceships following the 4X game model (eXplore, eXpand, eXploit amp eXterminate). It was originally written in 1995 for Windows based PCs (Stars FAQ - starsfaqfileinfo. htm amp Wikipedia - en. wikipedia. orgwikiStars). This project will implement Stars for the iPad. The implementation of the single player (against the computer) mode will be regarded as most critical but consideration should also be given to allowing the game to participate in multi-player hosted games (starsautohost. orgstars. htm) A copy of the game, for the purposes of research, is available to anyone undertaking the project. Title: CS01 Supporting sport activities with mobile and wearable technology for people with diabetes Develop an application based on Android (or iphone) and wearable sensors (e. g. accelerometer, heart beat monitors) to support self-management of physical activities (such as running, biking, or gym) for people with diabetes (type 1 and 2). The application should aim to provide users with an estimation of burned sugar during physical activities to inform possible tuning and adjustment of insulin intake. This project can be suitable for more than one student. This project can be also run in collaboration with the Physical Education amp Sport Science department. Good technical skills (e. g. android, arduino) are essential. Environment: Android, iPhone, Arduino, wearable selected sensors. Title: JC02 Swimming pool identification from satellite images Swimming pool solar panel identification from satellite images sourced through Google maps - could use Evolutionary Computation here which has a good track record in target identification where source is fuzzy andor partly occluded. Should not be an issue for targets of interest here. This suggestion was proposed by Liam Relihan of ResourceKraft (resourcekraft), who will provide limited support where appropriate. Title: JB02 Synonym Search One of the core activities of maintenance programmers is exploratory search where they are searching for some semi-defined entity (a specific functionality in the code-base for example). In such cases the programmer will often resort to using the search facility in an IDE. However, the initial programmer may use a synonym for the word the maintenance programmer searches for, and in this instance, the search will yield no matches (the vocabulary problem). This project is an enhancement plug-in for eclipse which enhances the lexical search facility using a database of synonyms (word-net for example) to cast the search wider when no exact lexicons are identified by the search, thus increasing the likelihood that the programmer will find the desired elements of the code-base. Title: CS02 Tag it yourself for Android The project aims to translate the Tag-it-Yourself app (currently available for IPhone: itunes. appleieapptag-it-yourself-tiyid420883042mt8) into the Android system possibly extending some of its current functionalities (e. g. synchronizing with Google calendar API). Good programming skills (e. g. android, google infrastructure API) are essential. Environment: Android, googles APIs Title: LC04 Tangible Interaction and Learning in Museums Tangible interaction is increasingly finding application outlets in museums and galleries in order to facilitate formal and informal learning. This project will consist of a detailed benchmarking of existing tangible installations for learning in museums, a study of educational activities in a Irish museum chosen by the student and design of a tangible installation to support learning in that context. The student will benefit from the support of the Irish Museums Association network to identify a suitable museum. Title: LMc02 The art of combining media streams in digital art Mutli-sensory art is to be created to explore the difference between the suggestions of the individual parts and those of the whole work. Syncronisity, masking, layering, multiple structures, the macro versus the micro, motiff versus the massive. All stimuli are open to exploration, such as sound, light, touch, heat etc.. Title: LMc05 The artistic practise of social commentary through digital art Artists often use social issues as a creative device. This practise should be explored, using direct and indirect approaches in creating art that has meaning on many levels. The media of sound and vision should both be used, both seperately and in unison. Title: ML02 The challenges of developing a healthcare information system Conduct a research study that studies the challenges facing software development teams tasked with building information systems applications that support healthcare delivery. You are expected to develop a system that could be used to support some aspect of healthcare. A key aspect of the project will be insights and reflections gleaned from the research findings and how these insights influenced your approach to the application development. Title: LMc03 The design of self generating audiovisuals Algorithms should be designed to generate digital art from the input of realtime information or predetermined information. Such algorithims should be developed and judged on both a functional amp aesthetic level. This can be an exploration in the media of sound, vision or both. Title: LMc01 The practise of digital storytelling: designing non-linear narrative, user agency and resolution The design amp comparison of systems enabling the participant control the narrative of an artwork. The practise of producting art that is to be presented in a non-linear, open-ended manner. Title: ML03 The use of eXtreme Programming in distributed software development teams Conduct a research study that studies the use of eXtreme Programming (XP) in software development projects whose team members are distributed across different locations. It is expected that the student will conduct a literature review of the area under study and use this review to drive their research. A key aspect of the project will be insights and reflections gleaned from the research findings. Title: PH04 Tide Calculations for the Android Phone Develop an application that will determine high and low tides for coastal spots around Ireland that will run on Android phones. Platform: Android SDK. Title: GA02 UL Campus Conference Companion for Magic is Might 2012 (new 692011) Using an existing game engine for location based games (possibly the Tidy Cities engine developed by Fraunhofer FIT), the student will develop a Harry Potter themed application allowing participants to the above mentioned conference to explore the UL campus in a fun and playful way. A user evaluation of the prototype will be performed, followed by iterative development of a real mobile app. Content production and user evaluation will be the focus of the project. Title: MEa03 UL: the Game, Mark 3 Develop an interactive point and click third person mysteryadventure game based on the UL campus including real (and artistically modified) footage of the campus, together with cinematographic inserts. Title: CR06 Unity Game Project Unity is a platform independent game development system that can be used to produce standalone games of virtually any genre. This project will be about learning to use the tool and producing a playable game. Title: MEa02 Unreal UL III Use the Unreal World Editor to recreate (part of) the University and populate with an interacting mix of students, academics, and others. In this years project there will be an emphasis on the recreation of outdoor scenes and environments. Develop strategies for survival character development based on techniques from the computational intelligence field. Title: CS08 User-centred Evaluation of a platform supporting diabetes journaling Evaluate a platform supporting diabetes type 1 journaling based on the principles of user-centred design (e. g. ISO-13407). The platform is constituted by a mobile application (on the iPhone) and a website enabling patients to manage and share their health data. Produce design recommendations about possible re-design iterations of the evaluated platform. Use of qualitative tools (heuristic evaluations, observations, interviews, cultural and technological probes, usability testing). This project will be in connection with a larger project (IDC FutureComm) aimed to envision, develop and evaluate future scenario for innovative Information and Communication Technology in the Health Care domain. Title: JG01 Using Web 2.0 for collaborative learning in PISE PISE is concerned with the ethical, legal and social aspects of the design, implementation, management and use of computer and information systems. It is an undergraduate module in various CSIS undergraduate programmes. Over the past eight years a number of e-learning tools have been used to support collaborative learning and group-based based assessment in PISE, specifically Blackboard and Moodle. The advent of Web 2.0 technology provides a new set of ICT tools that could be used to further support this teaching methodology. This project will involve a research element that should critically analyse current tools (e. g. blogs, wikis, social networks)and how they are, or could be, used in teaching and learning in third level. The project would then design learning situations where these tools can be realistically used in PISE. Finally the project would evaluate the success or otherwise of these tools for the building and sustaining on teams in PISE. There will be strict timescales for this project due to the constraints on the evaluation period which must coincide with the delivery of PISE module in the second semester. Therefore all the fundamental research will need to be completed by the end of semester 1 and the proposed e-learning solutions designed and fully ready to be used by week 3 of semester. Title: MF06 Video annotation tool for usability analysis Video is often used in user testing in usability evaluations. The idea behind this FYP is to use Flash video (.flv) and to design a web based tool for multiple evaluators to annotate video with pointers, markers and comments, and for such evaluation data to be amalgamated and exported for further analysis. For inspiration: Try to annotate a clip (of your own) on YouTube. Consider if the annotations could be exporteddownloaded, with their hyperlink properties to the video and time-code they came from retained. Environment: Adobe Flash, Adobe Flash Media Server. Title: NP02 Visualizing Aspects of Requirements Requirements specifications are often regarded as dull, monotonous and impenetrable, especially when they are specified to an acceptable level of detail. Various interesting efforts have been made to make requirements visual, but so far requirements visualization remains a goal rather than a solution. One reason for this is that system and software requirements, far from being monotonous, are multi-facetted. For example, the Volere template lists 27 different types of things that need to be included in a requirements specification, such as stakeholders, mandated constraints and risks. The Volere list doesnt some include other important aspects such as goals and user tasks. The student undertaking this project would choose a subset of the aspects that pertain to requirements and formulate the different ways in which they relate to each other. Visualization in this context is about visualizing relationships. The project would use and extend Shu Wans 200910 FYP Postfuse. The main work of the project would be in formulating relationships (links) between and among the various requirements aspects in the underlying requirements specification, so it suits a student with a strong capacity for conceptual thinking. Title: JG02 Waterways reporting system Travelling the rivers and canals of Ireland is an activity enjoyed by many people around the country. A lot of problems can occur to these both from humans and nature, such as missing markers, blockages, damaged lock gates etc. Reporting these issues can prove problematic because people are confined to a boat and when problems are reported, informing others can be just as difficult. Boat users and waterways engineers alike could perhaps benefit from a system where they could easily record and identify the areas that are in need of attention. Present systems in Ireland inform users of proposed work and planned closers to stretches of waterways but there is no dynamic reporting system in place to deal with unexpected issues that arise. Therefore a system is required that would allow someone to be able to report a problem as soon they come across it. One way this could be achieved is by the use of mobile phones with GPS facilities. If a problem is encountered it can be recorded using the mobile device and uploaded to a website database. This website can be accessed by other mobile devices or computers. The website will have a graphical front end to display and retrieve data representing it on a colour coded map. Users of the site can then identify problem area by their colour and pop up windows which contain more precise information. The website should be designed so that it detects the accessing device (mobile phone, desktop computer etc) and adjusts the display accordingly. As problems are fixed or cleared it should be possible to update the database. There will be different levels of permission for different users, e. g. ordinary users should not be able to update the database unless their information is moderated first, as it could cause data integrity problems. For this reason an administrator account will be used giving more privileges than an ordinary user. For example, this type of access could be used by engineers so that a problem when has been fixed they can update the data store. Selecting a section from the graphical interface should allow the administrator to see any area and its corresponding problem reports. They should then be allowed the report that has been looked after and remove it. The data store will then be updated and so will the graphical map. Other levels of user may need to be identified and the relevant permissions granted. Title: ML06 What is Lean Software Development Conduct a research study that studies the application of lean thinking to software development. Your study should perform a literature review of lean thinking and how it has been applied to software development. How To Prepare For Trump8217s Middle Class Tax Hike Higher interest rates are already a tax on consumers through higher mortgage rates. higher student loan rates and higher consumer loan rates. Is the economy strong enough to withstand a sudden 30 increase in borrowing costs Hopefully yes, since the actual rate we pay takes time to adjust higher, e. g. 5 years for a new 51 ARM to adjust. Given the market determines rates, we can8217t fully blame Donald for making borrowing more expensive for everybody. But what about Donald Trump8217s plan to increase taxes on the middle class Let8217s learn what8217s going on here and help find solutions for millions of Americans who are increasingly getting squeezed. Below is a comparison on Trump8217s tax plan versus the current plan. Can you spot the tax hike Source: Tax Policy Center Individuals who make 112,500 8211 190,150 will see their federal marginal income tax rate go up by 5 . from 28 to 33 The closer you are to making 190,150 as an individual, I estimate the closer you are to paying 3,000 more in federal income taxes. The math is simply 190,150 8211 112,500 77,650 in income now taxed 5 higher at 33 rather than 28. Therefore, 77,650 X 5 3,882.50 more in taxes. However, due to the the tax cut for income between 9,275 8211 37,650 (15 to 12) under Trump8217s plan, you get a savings of about 851.25. Therefore, the Modified Adjusted Gross Income after deductions that is subject to taxes really is between 130,000 8211 190,150. Some of you might be thinking 112,500 8211 190,500 isn8217t a middle class individual income, but I absolutely believe it is for 50 of the country who live in expensive coastal cities and other large cities such as Denver and Chicago. If we believe we shouldn8217t responsibly spend much more than 3X our gross annual income on a home. then all an individual earning 112,500 8211 190,150 can afford is a 337,500 8211 570,450 home. With the median home price over 1M in SF and NYC, you8217ve got to earn closer to 330,000 just to buy something mediocre Even with a 190,150 salary, you can barely afford the median 505,000 Boston home. You8217re certainly stretching to afford a 594,600 median home in Seattle as well. The Democratic rhetoric has recently been that any individual who makes over 200,000 is deemed rich and should be subjected to higher taxes. The Republican party rhetoric has recently defined individuals who make over 400,000 to be rich. Therefore, it is baffling there is a 5 marginal tax hike for those individuals who make essentially HALF these amounts. Half of 200,000 (Democratic rich) 8211 400,000 (Republican rich) 100,000 8211 200,000. Half middle. Middle middle class. Why is the middle getting penalized Trump8217s tax plan hurts middle class income earners (red). Chart by: Howmuch. net Why The Tax Hike I8217m not sure why Trump wants to raise taxes on the middle class. It8217s good to hear he plans to abolish the Alternative Minimum Tax (AMT) and the 3.8 Net Investment Income tax on individualscouples who make more than 200,000250,000. But those benefits accrue mostly to individuals who make more than 190,150. It8217s nice Trump plans to nix the estate tax (death tax) for individuals married couples with more than 5.45M 10.9M. Getting taxed again after you already paid taxes on your wealth sounds like robbery. But given most of us don8217t plan to die within 4-8 years, any changes to the death tax don8217t really matter because they8217ll surely be changed again. A 5 tax hike on the middle class and a 6.4 tax decrease on the top 1 income earners who make over 415,050 is not helping the majority of people keep their hard earned money. In fact, it8217s estimated that the top 1 will enjoy 50 of all the tax benefits. Why aren8217t more middle class people upset about this tax hike Is it possible that most people making between 112,500 8211 190,500 are simply unaware they will be paying more a year in taxes Or maybe the middle class is actually doing just fine and is happy to pay higher taxes You tell me savvy readers. After surveying more than 25,000 of you (), more than 45 make over 100,000 a year and will likely be paying more taxes. Below is a realistic budget for a single father with a child. He works at Mega Corp and will see his year-end money buffer decline to only 2,000 a year after paying 3,700 more in income taxes under the new Trump tax plan. One miscellaneous expense or mishap and he8217s in the red. A single father making 200,000 will see a tax hike of almost 4,000 a year under Trump8217s plan Below is a more complicated example of a single mother with two children earning 200,000. She saves 15 of her gross annual income a year through her Solo 401k. Her biggest expenses are childcare assistance and healthcare, which is spiraling out of control for those who have to pay 100 of the monthly premium. I8217ve estimated her effective tax rate goes up by 3 after Trump8217s tax hike, leaving her in the red each month. Before you complain about the accuracy of the numbers, they are just rough estimates. Each person has different deductions allotted to them. The bottom line in that the closer you get to 190,150, the closer you will pay the 3,882 in increased taxes. The 3 tax savings on income between 9,250 8211 37,650 is only 852. If you want to save on taxes, you really shouldn8217t make more than 130,000 per person. The Solution To Lowering Your Taxes If you are one of the millions of Americans who is facing an impending 5 federal income tax hike, your solution is to get married and make no more than an modified adjusted gross income of 225,000 combined. This way, you can keep on paying a 25 federal marginal income tax rate and benefit by paying 3 less than the existing system on income between 151,900 8211 225,000. Under the current tax plan, household income between 151,900 8211 231,450 is taxed at a 28 federal marginal income tax rate. Here are some sample marriage income combinations for the perfect tax minimization solution: 1) Stay At Home Spouse Spouse 1: 225,000 income 2) Two Professionals Who Met At Work Spouse 1: 115,000 Spouse 2: 110,000 3) Public School Teacher And Private Industry Professional Spouse 2: 170,000 Of course, you can make more than 225,000 by the amount equivalent to your mortgage interest deduction and property taxes. If you run your own business, you can make more than 225,000 by the amount equivalent to your expense deductions. The key is to not stay single. It8217s bad enough you8217ve got to compete with DINKS, and DINKS their parent8217s money to buy a home or pay for other big ticket items. To add on higher borrowing costs and pay higher taxes is just too cruel. My Solution To Paying Less In Taxes As an individual, I8217ve either got to kill myself to try and make as much as possible over 415,050 to take advantage of the new 33 marginal federal income tax rate. Or, I8217ve got to limit my individual adjustable gross income to 112,500 to pay a reasonable 25 marginal federal income tax rate. Which is harder to do The Strategy For Making Less 70 of my traffic on Financial Samurai is from search engines like Google, the traffic is very passive. In other words, if I do nothing all year my online income would still be greater than 112,500, the individual income level where taxes go up from 28 to 33. Passive income is one of the beauties of having an online asset. I just write a lot because it8217s fun and there8217s always something interesting going on to learn about. I could sell all my dividend paying stocks and hold cash, but that still leaves about 180,000 in passive income that cannot be reduced immediately because there8217s an early withdrawal penalty for CDs, tenants with signed leases, and private investments with multi-year commitments. One solution is to just sell Financial Samurai once new tax legislation passes and call it a nice eight-year run. That way, I8217ll have no more taxable online income. Let8217s say I can sell Financial Samurai for 10,000,000 after taxes. I can just hoard cash earning 0.2, which equates to 20,000 a year. 20,000 180,000 in passive income 200,000. I can then deduct about 40,000 in property taxes and mortgage interest from my primary residence to get to a 160,000 taxable income. As time passes, I can slowly convert all passive income assets to cash, thereby further lowering my income. Paying taxes on lt160,000 equates to about a 26 effective marginal federal tax rate under the new plan. Not too unreasonable, especially if I can just plunder my cash to live. Of course, I can actively give money away to reduce my taxable income further while helping other people in the process. The Strategy For Making More Making a lot more than 415,000 is not easy. But it8217s possible with some planning and extra labor. 1) Don8217t sell Financial Samurai, but continue to grow it. Minimum 150,000 income. 2) Keep passive income portfolio as it is. Minimum 200,000 income. 3) Do more corporate consulting. Minimum 120,000 income. 5) Get a J. O.B. Minimum 150,000 income. Total baseline income 650,000 Unfortunately, doing 3, 4, and 5 will require an extra 50 hours a week . which means my total weekly work hours would sky rocket to 70. I8217ll also gain weight, get stressed, start getting gray hairs again and be more bitter at the world. The tax savings from making 650,000 would equal (650,000 8211 415,000) X 6.4 15,040. When I put it this way, working an extra 50 hours a week to 8220save8221 15,040 in taxes doesn8217t seem worth it at all Further, at 650,000, I8217ll have to pay 13.3 California State taxes instead of 8220only8221 10 on income up to 250,000. The reality is, if my baseline income is 350,000 (200K passive 150K online income) for 20 hours a week and I add 50 hours a week to get to 650,000, I8217m really paying (650,000 8211 350,000) X 33 99,000 more in federal income taxes . It8217s the whole 8220buy more save more8221 mental scam. Given I8217m already paying over 100,000 a year in total taxes, paying another 99,000 a year in federal taxes another 53,200 in state taxes would actually start to piss me off. It seems like highway robbery to have to pay over 250,000 a year in taxes when you8217re killing yourself and not using massive public resources. And for what To one day live a better life that8217s more free and less stressful I8217d rather just kick back, pay less in taxes, and be free right now After all, happiness does not increase with an income over 250,000 a year. Obvious decision made: It8217s much better to go the easier route by making less money to pay less taxes and live more freely. I believe in enjoying life to the maximum because I8217ll never be able to make another minute of time. I know plenty of deca-millionaires who are no happier than an average person still looking to save for retirement. For those who object to going the easier route, answer me this: Are you willing to work 50 more hours a week to try and make 300,000 more just so you can pay 100,000 more in taxes If not, then you8217ve caught yourself in an incongruent state of mind. Middle Class Americans, STAND STRONG The Empire is squeezing the middle class through higher interest rates and higher taxes Being middle class is the best class in the world. But we8217re now getting squeezed by higher taxes and higher interest rates. First the government wanted to raise taxes on those making over 400,000 a year. Then they went after individuals making over 200,000 a year. Now they8217re going after folks making over 112,500 a year. See the pattern Eventually, the government will come for us all. Everybody needs to make some pro forma calculations of their annual total income and decide how hard or how smart you want to work. The only beneficiary of higher interest rates and higher taxes I can think of are those who take advantage of the sell-off in municipal bonds. As more individuals making 112,500 a year see their taxes jump from 25 to 33, there should be more demand for tax advantageous instruments, not less. If you know of other beneficiaries, please share. If you aren8217t maxing out your 401k, definitely start doing so beginning in 2017 to shield as much income as possible from the impending tax hike. You8217ll be amazed at how much you can accumulate if you stick to the program. Max out for 10 years in a row and you should easily have over 200,000 for retirement. If you8217re crazy enough to want to earn a lot more than 415,050 a year to take advantage of the proposed 6.4 federal income tax cut, make sure you actually succeed in making a lot more than 415,050. The worst thing is to work 247 and only make 190,150. The government will laugh in your face because they8217ll have successfully minimized your use of government resources while taxing you to the maximum Finally, if you8217re a 112,500 a year earning individual, start going to charm school. Not only will you save on taxes, you8217ll help eradicate loneliness, save on shared living expenses, and have a confidant to share all your hopes and fears Readers, how do you plan to deal with the 5 federal income tax hike if you make over 112,500 Why aren8217t more Americans upset about an impending income tax increase Are any of you thinking about getting married to reduce your taxable income Why do you think Donald wants to raise taxes on the middle class Note: if you see some errors, please speak up I8217ll gladly fix them given taxes are so complicated to understand. Sam started Financial Samurai in 2009 during the depths of the financial crisis as a way to make sense of all the chaos. After 13 years of working in finance, Sam decided to retire in 2012 to utilize everything he learned in the business to help people achieve financial freedom sooner, rather than later. Sam is a big advocate of using free financial tools like Personal Capital to help people grow their net worth, track their cash flow, x-ray their portfolios for excessive fees, and plan for retirement. The more you know about your money, the better you can grow your wealth You can sign up to receive his articles via email every time they are published three times a week. Sam also sends out a private quarterly newsletter with information on where hes investing his money and more sensitive information. Subscribe To Private Newsletter Your situation is certainly a difficult one to take action on to get to a lower tax bracket, but getting to over 415K by working 50 hours per week seems like counter productive as well, because each dollar you earn extra is still getting taxed at a high rate. From a lifestyle standpoint as much as I hate to say it, paying the tax is less harmful than trying to avoid the tax. From a macro standpoint, raising taxes on the middle class, or the upper middle class if you believe that is a thing, is much more effective to the federal budget than raising taxes on the 1, because there are so many more people in that income bracket. I8217m not a fan of increasing federal government revenue, but to balance the budget at some point in time there will have to be both spending reductions and tax increases, and those tax increases to be effective will essentially need to be across the board. Another tax hike I noticed on the proposal is on those with a lower AGI, Individuals with AGI under 9,275 and couples with AGI under 18,550 will be paying more in taxes, going from a 10 bracket to a 12 bracket, People earning this amount won8217t benefit from the 15 bracket being reduced to the 12 bracket. AGI under 10k and 20k married would pay 0 taxes (15k standard deduction personal under his proposal, 30k married). In fact, the increased standard deduction would virtually guarantee no tax increase or a decrease for nearly all low income. You8217d have to have a weird situation where itemize a LOT relative to very low income. Move to a coastal city and do something for more than 5 years straight. Congrats, you8217re now qualified for a dime a dozen 100k job. Terry Pratt says Re: Matt is misguided. I live in a coastal city and I have a half a dozen co-workers who have been at this workplace for 10 years and they8217re all earning 25 cents per hour above minimum wage, with no 100k job in sight. Really Am I reading this from a financial blog Choosing to make less money to pay less taxes is not something I expect to hear from people who know about finances. This is about like all of the people who say they don8217t want to make more money because they will be in a higher tax bracket and think they will bring home less. Welcome to bizarro world Empower yourself with knowledge. It8217s always good to work through some calculations and mental exercises to see what it will take to do either, and then make a more informed decision. The path of least resistance is to keep the status quo. Like corporate inertia. My question to you is: would you be willing to work 50 more hours a week to try and make 300,000 more a year to pay 100,000 more a year in taxes if you are already happy with what you make I personally wouldn8217t be willing to work anymore than 40-45 hours a week to earn more money. I believe in working smarter not harder and increasing my skill set so I get paid more per hour. If we can8217t accomplish our goals with a combined income of around 150K we need to adjust our lifestyle choices. We work to live. We don8217t live to work. There you go. Not everything is just numbers in personal finance. I always bake in marginal utilityreward and one8217s happiness. Congruency in mind and action is key. At one time I would have thought like you but being that I climbed the income ladder (working day and night), I was shocked how much money I had to pay in taxes. I could support your households and yes of course I consulted with CPA8217s. I8217m assuming you work for W2 income If your boss asked you to work overtime but told you that you8217ll make less money would you Your decision would be based on many things including your financial situation and your ability to work more. You8217d weigh it all out. If you owned a small business but if you invested (risked) 8220your8221 money or borrowed money to grow the business but IF your investment proved profitable but a big chunk of that profit went to taxes would you invest and work longer hours It all has to be weighed out between risk and reward. For me, I have and keep working to position myself to earn passive income. I can retire today and live a middle class lifestyle but I have not accumulated enough to live 8220the good life8221. The question is do I risk my money, or take on more debt, to grow the business, which would result in having to hire more people as well as my having to work a lot more. We have only so much time on earth (particularly time where we are healthy). It8217s not always about money especially if the risk reward doesn8217t make sense. Terry Pratt says On the ground, individuals frequently think this way in making working and earning decisions. Utility theory suggests an additional dollar of income is worth less to a person earning 1M than to a person earning 20K. Marginal tax rates reinforce this behavior. As Sam suggests, a marginal dollar is usually harder to come by for someone 8211 e. g. someone fully employed, fully self-employed, and fully invested 8211 already making 415,000 than for, say, someone earning 100K with room to increase productivity, and it8217s easier for that 415K earner to pass on expending additional effort to earn marginal dollars. This mindset can kick in at any income level, which helps explain why many poor and unskilled workers fall far short of working as much, as long, or as hard as they theoretically could. To an unskilled worker, nearly all jobs are menial and tedious, and the low wage does little to incentivize work. To the menial worker, the psychic costs of crummy jobs 8211 I8217ve had jobs I hated so much that pretty much all my time off the job was spent decompressing 8211 outweigh the meager gains of a minimum wage paycheck in the long run, making full-time year-round work unsustainable. I8217ve never really thought about analyzing tax brackets before. I was always just told to make as much money as I can, because even if you pay higher taxes, you8217re still walking away with more money in your pocket. Maybe that8217s how it works for those of us who are still making a less-than-stellar salary and still struggling to meet savings and debt-payoff goals. But still, it8217s an interesting way of looking at it for those earning more Terry Pratt says D. E.B. T. is notorious 8211 literally 8211 only if you wear it around your neck like an albatross. I8217ve got to agree with RetiredJapan8217s comment. Reading this feels strange8230 you say you HAVE to either make a lot more or reduce your income. That seems silly and feels like it would create more stress than it8217s worth. Why not just do nothing and continue being happy. So you pay slightly more in taxes, that8217s not ideal but would reducing your income to avoid paying a bit more in taxes be smart Seems like killing the golden goose to get all the eggs to me. I8217d either do absolutely nothing and not worry about the extra taxes, or if it REALLY bothers you that much, make just enough more to cover the increased taxes. Those seem like the obvious choices to me while the options you laid out seem extreme. I kept waiting for you to refute the options you were laying out but you actually were serious about them. I think it8217s important to have mental flexibility in various decisions and scenarios. I8217m always serious about thoroughly considering different financial options. Going through financial pro forma calculations is a great way to understand your options when changes are finally made. They aren8217t end all be all rigid resolutions. You got to keep an open mind here. It seems that the section on highlighting what I would do with my money is causing a lot of angst and is detracting away from the main points about the middle class tax hike. This is something I need to consider for future articles. I8217d love to know if you plan to change your financial behavior. Will you start working more Why do you think Donald Trump has raise taxes on the middle class Is the middle class stronger than we realize given they voted to raise taxes on themselves What is your current Financial situation OR people don8217t realize that by voting Trump they are effectively raising taxes on themselves. I could name a couple of people who always talk aboutcomplain about paying more taxes and how Democrats are always raising taxes on them. So they vote for Trump because they believe Trump will lower taxes for them. When in effect, it8217s the opposite. Let8217s see what they say in a year. Why does Trump seek to raise tax rates on the middle class Tax increases target 8211 or punish 8211 the middle class in areas that did not support Trump, and bypass those areas that supported him. Look at the political map, blue versus red. 112K to 190K is middle class in many blue states, CA, OR, WA, NY, NJ, IL, CO, etc. 112K to 190K is upper class in most red states. Perhaps Trump8217s proposed tax schedules deliberately punish middle class masses in blue states and hits smaller numbers in red states. Bleed the wealthy, Democratic states dry, and punish their residents. Give a break to Republican states that voted for Trump, and reward more of their residents. Don8217t read this as partisan grandstanding, as I am completely serious with this explanation. Você está certo. And I have a new post I8217m working on to discuss this. Short the blue states, go long the red states The best way I know how to do this is buy buying Red State real estate through crowdsourcing platforms and any Red State specific REITs. Interesting, I8217m jettisoning a NJ investment property and am looking where to put the proceeds. Red State RE 8211 maybe it8217s time to go long, though I remain pissed at WI, MI, PA8230. Nice post - its interesting and eye opening. While I may not have voted for the man, I was happy to see a tax cut coming my way. Now, however, after looking at your chart I see I will only see a tax cut of 3 on my income over 151,900 and a cut on the income between 225,000 and 231,000. Definitely not as exciting as I once had hoped, but every dollar helps. Thanks for the insight. Definitely a good article. Great breakdown Sam, we will be in the 25 bracket under either plan but Trumps plan gives us more runway to stay in it 8211 fine for us but definitely see the group right above us getting squeezed. We closed a a 71 Arm refi at 2.75 on Tuesday 8211 glad we locked in a few months ago (thanks for sharing your experience it was definitely a factor and we are saving 1000s) the difference in salaries across the country makes setting these rates really difficult 8211 cost of living should be a factor but I can8217t even imagine the complexity that would take place. Congrats on locking in a 2.75 71 ARM That8217s a pretty good rate in light of what8217s happening with interest rates. Your 71 ARM now costs about 3.25 8211 3.5. I believe a 25 tax bracket is reasonable. 20 is the ideal, but 25 is OK. I8217m tried to keep my income in that tax bracket for a while now and it feels wonderful. An optimal amount of pride, balance, contribution, and take home pay. Oh thank God When I read this, I thought you meant the commonly accepted 8220middle class8221 based on the median household income of 50,000. As someone who makes less than that, I was saying just the other day that I can8217t afford to see the government take almost a quarter of each paycheck (even after saving 20 in my 401k). I got nervous when I saw the title of your post I can8217t afford to pay MORE. I am disappointed, though, that I8217m still staying in the 25 tax bracket. Paying the government a quarter of every penny I make is something more appropriate to the super rich, not people whose incomes would be considered poverty wages in some cities. Especially when no government official came in and worked 14 of my hours, made 14 of my sales, or fought with 14 of my nasty customers. Or even drove me to and from work 14 of the year. Aholes. As for what to do regarding taxes, I8217m not saying to disregard your tax burden or anything, but that the same time though, try not to let that guide your income producing efforts. You pay more taxes by making more money, and the spread is always wide enough that those who make the most will come out ahead. I8217d rather pay 75 taxes on a 100,000,000 income than 10 taxes on a 100,000, and I8217d rather pay THAT than 1 on a 10,000 income. Working 70 hoursweek to take advantage of lower tax rates (from 39.6 to 33 is not a huge decrease) or leaving hundreds of thousands of dollars of potential income on the table to avoid a tax bill is not the way to go, in my opinion. Finding tax advantaged ways to grow your money is the best way to go at it. Thankfully, the choices aren8217t so binary, and that third option does exist. For me, even after recently doubling my 401k contribution to 20, I8217m still considering upping it to 25 just to lower my tax burden. If I can get my taxable income under 37,000, I8217ll go right back to the 15 tax bracket. Or 12, if Trump has his way. I8217d do more, but I8217m trying to buy property within the next year and need every penny I can get. Hopefully, the Trump tax plan will be modified to call for lowering EVERYONE8217S taxes, not just the super rich while raising the taxes on the super poor (as you can see in that chart). I8217m not holding my breath. Sincerely, ARB8211Angry Retail Banker Hi friend, awesome to hear that you have increased your 401(k) contribution I want to say one thing I8217ve noticed after all these years: First the government comes after those who make more than 400,000 year. Then the government comes after those who make over 200,000 a year. Now the government is coming up for those who make over 112,500 a year. Eventually, they will come for you. When they do, be prepared by owning a lot of assets that you can draw from and set of making a high income. So far, the government has been less aggressive and going after people with assets. You can be worth 10 million and still get subsidized healthcare, for example. Hi Sam 8211 Let me first preface that I am not a tax accountant. With that said I know not everyone could do this but couldn8217t you reclassify your company (FS) as a partnership and then pay yourself a minimum salary and then the rest would be considered dividend distributions from the company to ensure that you pay less in taxes since you are getting so much from passive income I would think that8217s at least one way to potential pay less in taxes and not worry about the Trump tax increase on the middle class. It8217ll be interesting to see what actually gets approved through congress. I can8217t imagine he8217s actually going to increase taxes on the lower income folks, but that is what he proposed. I know several very high-income people that voted for Trump because they knew they would win BIG under his new tax plan. Many of his supporters, however, were lower income and I wonder how many of them checked the two tax plans before deciding who to vote for I wonder whether clinton supporters checked the fact the clintons enriched their net worth from practically 0 to 250 million in 10 years Sure they did, but they post online 8216it8217s just money. no biggie8217. It8217s interesting Trump supporters care more about bringing industry back to the USA than 8216a couple thousand dollars under the two tax plans8217. 8216it8217s just money. no biggie8217 right hilliary trump supporters obviously did not look at any of his policies. why because he didn8217t have any plans. just a bunch of spin and rhetoric that changed with each passing wind. there8217s a reason he won the uneducated vote. anger. My analysis is not yet complete but it tells a different story. First, when you account for the reduced taxes at 4 tiers along the way to the 82205 hike tier8221, the impact is significantly reduced. Second, when you account for the proposed increase to Standard Deduction, the impact is further reduced and even switched to positive for the new tax plan. Again, my analysis is not yet complete but for an individual with max income in the 5 hike tier and, obviously, one exemption and who uses the Standard Deduction, I get 47,684 in taxes due under the currentold tax code and 46,555 in taxes due under the proposednew tax code. So a reduction of 1,129. No other deductions or credits used. The important point is to do your own analysis. You haven8217t stated what you make, so I have no idea about your numbers. The closer you are to 190,000 as a single individual, the closer you are to paying 3,000 more in taxes. Well well well. After further research, it looks like the Trump plan may do away with personal exemptions which would hit my math a fair bit, especially as you have more kids. It is hard to do a detailed analysis of 8220proposed8221 tax changes. I really applaud you for putting this out here for discussion. Based on all the comments, it is a very healthy discussion indeed. I ran an analysis on your numbers (112,500 and 192,500) and although I see a loss for head of household filers I actually saw those making 112,500 paying less tax and noted that married filers making 192,500 would actually pay about 1000 more a year in taxes. I didn8217t take into consideration deductions and exemptions so if those were taken into account the numbers would be different but obviously differ by individual. I would think living in California, State taxes (income tax, sales tax, property tax, tolls, etc.) would be a significant concern for you personally. My wife and I are retiring in 2017 and the tax change will have minimal impact on us financially. Just want you to know I appreciate your website and the information you provide. My favorite is your article on stealth wealth and how the public perception of wealth is causing the wealthy to live under the radar. Something I adopted early in life. Run the numbers with individuals making 200,000. The closer you are to 190,000, the closer you get to 3,000 in extra taxes. Right at the breakpoint of 112,500 you8217re paying marginally less taxes I agree. We don8217t know exactly what will transpire. All we can do is make some best guesstimates as you have done. And then decide our actions accordingly. Thx for reading Unless I made a mistake, your post is misleading when it comes to couples. Ran a data table in 10K increments looking at federal income tax current rates vs trump without considering AMT. Individuals with federal taxable Income from 140k-450k single (and some super low income) pay more tax. Married at all levels above 30916, pay less tax. Zone of higher married tax bracket is 225K-231.45K At 225K, savings under trump are 3486, At 231.45K savings under trump still 3163. Savings are stable until 413.35K then increase again after that. So really, this is a penalty for individuals (worse case 2596 penalty) in a pretty wide income range, but except for extremely low income, only affects married couples positively, regardless of income. Sem problemas. Please re-read the post and focus on the solutions portion and conclusion. Thx It8217s an interesting analysis, but I think a year from now it will have been an academic one. A campaign tax proposal does not equal legislation, and a Republican Congress isn8217t going to raise income taxes on anybody right now. More likely we8217ll see a more modest simplification of the tax brackets that ends up being an across the board tax cut. And Trump will sign it. I think the reason you haven8217t heard more about this is people haven8217t realized this. Many are so focused on the large tax cuts to the super rich that they haven8217t looked at the impact on everyone else. The biggest impact seems to be on single parent families as Trump is doing away with the personal exemption for everyone in the household, as well as head of household status. Thus, a single parent with 2 kids currently receives 21,300 in deductions (9,300 standard 4,000 x 3 personal exemption), while under the new plan proposed by Trump they would only receive a standard deduction of 15,000. Keep in mind that this is by no means the final plan. Paul Ryan8217s plan has been said to be similar to Trump8217s but doesn8217t raise taxes on single parent families. My guess is we8217ll see plenty of modifications to Trump8217s current proposals before it8217s all said and done. Fiscal cliff8217 bill The fiscal cliff bill, passed by the House and Senate on Jan. 1, 2013, did something very close to what Obama pledged in 2008. The bill brought back the Personal Exemption Phaseout, commonly known as PEP, as well as the 8220Pease limitation for taxpayers earning 250,000 (for individuals) and 300,000 (for couples filing jointly). The personal exemptions begins to phase out when AGI exceeds 305,050 for 2014 joint tax returns and 254,200 for 2014 single tax returns. Each tax exemption is reduced by 2 for each 2,500 by which a taxpayer8217s AGI exceeds the threshold amount until the benefit of all personal exemptions is eliminated. 8220A 5 tax hike on the middle class and a 6.4 tax decrease on the top 1 income earners who make over 415,050 is not helping the majority of people keep their hard earned money. In fact, its estimated that the top 1 will enjoy 50 of all the tax benefits.8221 That is exactly the way it should be, considering the top 1 account for almost 50 of the taxes paid. The general public does not care when tax increases disproportionately affect high earners, but they sure get upset when tax cuts give those same high earners the biggest benefit. If we have to accept a progressive tax system, then we have to accept tax cuts being applied in a similar progressive fashion with the benefits favoring those who get punished the most with the increases. The core of society is built on the nucleus of the family8230 time to get married and do your part to raise contributing members of society If I had a kid with a woman, we are better off for tax purposes to stay single so one of us can file HOH and the other single as compared to marrying and both filing single or jointly. Additionally if my baby mama wanted to be a stay at home mom and we never wed she could qualify for various welfare programs. Why would I want to marry her and take that 8220free8221 money off the table in the event she wanted to be a stay at home mom To top it off, marriage opens me up to a potential divorce in the future. I8217ve seen way too many guys get wrecked in divorce courts to ever want to do that to myself. So what do I get for marrying, I get to pay more taxes, lose potential government benefits, and open myself up to the risk of a future divorce. Sad as it may sound, marriage is a dying institution that serves no purpose these days. Marriage serves mostly as an emotional nostalgic attribute that people attach meaning to. They8217re taught (programmed) to strive for achieving it, without questioning the logic of the decision or the potential downside risks. People get into marriage without fully understanding the financial implications, both positive and negative. Replace 8220marriage8221 with 8220home ownership8221 and the argument still applies. ) The fiscal cliff bill brought back the Personal Exemption Phaseout, commonly known as PEP, as well as the 8220Pease limitation for taxpayers earning 250,000 (for individuals) and 300,000 (for couples filing jointly). I think you should take the route of earning more without putting in so many extra hours if you can. Or write another book on website optimization. If FS is earning 150K a year after tax, how can that be sold for 10M after tax Who pays a PE of nearly 100 for a website Or am I out of touch on how this is valued Please educate me. Selling for 10,000,000 is only a PE of 66, not 100. If the site is growing at 66 a year, that8217s a PEG ratio of just 1. Not too unreasonable if the grow rate keeps. I8217ve used 150,000 as a base level income for my calculations. You can see this post as an estimate of how much you can make online. I was using before tax of 15 million dollars but if the gain is based on capital gains then it8217s more like 13 million. Impressive that you are able to maintain that growth rate even though you are so large already Ah Mike, growth is only one part of the equation. The earnings amount is a huge component. But the key message for everyone is to BUILD something long lasting that has an equity component that can be given away, sold, or passed down. Focus on building wealth over income. As a single taxpayer making between 112,500 190,500, thanks for getting the blood boiling Once I account for Trump8217s proposed standard deduction of 15,000 vs. the current standard deduction of 6,300 my overall taxes decrease around 1,300. Maybe it8217ll be time to propose to the girlfriend Trump8217s tax plan would have an even better outcome for us when compared to the current marriage penalty tax we would face. Sim. Stop wasting her time. She ain8217t getting any younger And try to stay away from making 190,500 if you decide to delay the wedding. Relax at work Take 2 hour lunches. Enjoy life more. I already 8220paid my dues8221 earlier in my career so I am probably in the office less than my entry level employees8230although I work from home from time to time outside of normal office hours. Sure I could exert less effort and make less money8230giving a smaller percentage of my money to the man, but I would probably be at the office about the same amount of time. That being said, I don8217t find it beneficial to avoid a higher level of income that requires about the same amount of my time. I8217ll take the extra 100K, perks, and ability to take 1.5 hours lunches. Maybe 2 hours someday 8220Why arent more middle class people upset about this tax hike Is it possible that most people making between 112,500 190,500 are simply unaware they will be paying thousands more a year in taxes8221 No, its because I won8217t be. I8217m a single person making 130k a year. Under current tax rates, I8217m putting 18,000 into my 401k, 3,350 into my HSA, and claim a standard deduction and personal exemption of 10,350. This lowers my taxable income to 98,300. 10 of 9275 927.50 15 of 28375 4256.25 25 of 53500 13375 28 of 7150 2002 So my total federal income tax liability under current brackets will be 20,560.75. Under the Trump plan, he does away with the personal exemption but my standard deduction will be increased to 15,000. With the same 401k and HSA contributions my taxable income will be 93650. 12 of 37500 4500 25 of 56150 14037.50 My total federal income tax liability if the Trump plan was enacted as is will be 18,537.50. Trump8217s plan would save me 2023.25 a year. His plan will also cap itemized deductions at 100k200k for singlemarried filers. I doubt many poor and middle class people will be hitting these numbers8230this will clearly be a tax increase on the rich. Obviously its on a case by case basis as far as what the rich have for deductions, but for some of them I think this will definitely negate some of the benefits of a lower top bracket. Additionally, I8217ve seen a lot of people focused on single parents and doing away with the head of household status, which funny enough you used a single parent for your example in this article as its obviously a way to show the most extreme example of who 8220loses8221 under the Trump tax plan. Well, here is my take on that8230GOOD Marriage rates are plummeting with my generation(millennials). Not only have we watched divorce wreck many of our parents financially, but under current tax codes if I have a kid with my girlfriend, I could file head of household as the higher earning of the two since I8217d save more in taxes, and she could file single, and we would pay less taxes than we would pay if we married and filed jointly or as singles. How the heck does it make any sense at all to give us tax breaks just for refusing to marry Additionally every single parent I know is either receiving child support from the ex, in which case they are still effectively financially mingled and basically the equivalent of married filing as singles, or they are on welfare, in which case they are already subsidized by the tax payers and I see no reason to subsidize them further through the tax code. Adios head of household, I won8217t be missing you GREAT JOB doing your own analysis This is what I want everybody to do. Run your own numbers to see how your tax bill shakes up BEFORE tax legislation passes. You want to be armed with information to make the right move. Since most people would rather not work, these incremental expenses or benefits may help persuade people to CHANGE THEIR LIFE. And I8217m not kidding about changing people8217s lives. Once I decided to cut my income by 80, my life was changed for the better. So much happier. So much less stress. So much more fun. Fantastic post I did not realize itemized deductions would be capped. The middle class is truly better off under this plan. By eliminating or reducing loopholes wealthier folks will be paying more but this will be accomplished without the introduction of a new tax or demonizing them. I8217m definitely not happy about the middle class getting squeezed more. It seems like the worse place to be from a tax perspective You have to pays considerable amount in taxes while a number of tax deductions that lower income people qualify for get means based tested and reduced when you make certain amounts. Not good And to see the tax come down for those making over 415K8230hmmm8230. But I won8217t be resorting to municipal securities or anything like that to lower my tax. I still think that equities will give me the greatest long-term return net net. As far as you are concerned, I8217d vote for you working less and paying less tax and maximizing life enjoyment. It is a total trap to stress yourself out to get to the high tax brackets to take advantage of the relatively lower rates8230on a dollar basis you will be paying through your nose I8217m considering a move to London for work right now and higher domestic taxes makes it easier to make the jump to the higher taxes in the UK. I8217ll be able to take advantage of Foreign Tax Credits when I return which will be more valuable in a higher federal tax environment. Perhaps more folks will be motivated to jump to higher tax countries for work like me8230 Paying no federal income tax on the first 96,000 working abroad would be great Which state will you domicile Hopefully one of the 7 no income tax states as well. London will be an AMAZING journey. GO FOR IT I wish I bought a flat in London when I visited in 2002. Damn8230 But London is so darn expensive it is ridiculous. Go to Aldgate East and Brickfields to eat the best Chicken Shashlik Bhuna in the world First off 8211 love the post Like all of your articles, it8217s a great conversation starter. Generally speaking, I don8217t think it8217s completely correct to have the mindset of working below capacity just to pay less taxes. In most cases, paying more in taxes means you8217re putting more in your pocket too (unless you8217re not minimizing your tax liabilities). Everyone here would agree that more money is better, but that time is of equal or greater value to money. For people that don8217t believe time gt money, people can gain perspective by putting themselves in the shoes of a 50yr old billionaire on his deathbed as his grandchildren fight over his money. Heshe must be thinking that he8217d rather have another 10 years of life and be broke 8211 atleast he would rest assured knowing that no one would fight for his monstrous wealth I earn about 800kyr, my marginal tax level is 51.8 (married, living in CA), and I work 1,800hrsyr (25 vacation days), which works out to be 444hr using my pre-tax comp. While I want to make more, I definitely subscribe to the idea of working smart and efficiently. It8217s usually true that higher income usually correlates with higher stress, but I would say that correlation does not imply causation. A few lucky people earn a lot doing something that they love and don8217t consider themselves stressed. I earn a lot doing something I really enjoy, but it comes with a stress-package. So when I think about side-hustles that could make money, I like to use my time valuehr (call it tvh) to decide if it8217s worthwhile. I used the ltgt and tweaked the answer a little bit based on personal situation and age. What I found is that I value my time at about 100hr post-tax. Below are some examples of how it8217s helped my decision making 8211 YESNO for more profit 1) YES 8211 Spent 30min doing a survey for Prosper P2P lending to receive a 100 Amazon Gift Card. Earning 200hr 2) YES 8211 Spent 1hr signing up for 2 (me and my wife) Chase Sapphire Reserve credit cards to get 200k bonus points and save about 4k on travel. Earning 4khr 3) YES 8211 Spent 3hr gathering paperwork and communicating with new bank to refi 1m 15yr fixed 3.375 to 71 interest-only arm at 2.5. Earning about 10khr using first 7 years of post-tax deduction interest cost. 4) YES 8211 Paying someone 50hr to clean my home. Saving 50hr 5) YES 8211 Researching new investment opportunities. Unknown, but hopefully positive earnings. 6) NO 8211 Driving Uber during down time 7) NO 8211 Scalping tickets. Even if I get tickets cheap, I8217d rather give them to friends. 8) NO 8211 Going out of my way to meet people that aren8217t important to me. 9) NOT SURE 8211 Buy a fixer house in Bay Area The main trend is that I jump on tax-free opportunities. Reasons my tvh might increase: have more children, I find out I have a terminal illness, aging, my net worth increases, etc Reasons it might decrease: my opportunity cost is lower due to lower income Hope this helps people make better financial decisions What is it that you do What is your target net worth And have you considered not working so much at your age I8217m in finance, target NW 8m by 45. I just recently entered my 30s, so if anything, I enjoy working harder with the mindset that it8217s about the journey, not the destination Sounds good. Might as will shoot for 10 million instead of 8 million net worth. Then there is the special welcome Club you get to join with a special gift as well. It8217s worth it. All about fighting inflation Do let me know in 10 years whether you still feel you have the same amount of enthusiasm for work and wealth creation. I think it8217ll be very interesting. Don8217t forget your 8220other8221 401k8230 if you8217re eligible for an HSA at work, take it. An individual can put away 3,400 pre-tax in 2017. Families can go up to 6,750. If you8217re 55 or older, add 1k to those numbers in catch up contributions. Most accounts these days have investment options, too. Sweet thing about HSA money is in addition to paying for medical care essentially on a pre-tax basis, you can pay your Medicare part a, b, c andor d premiums out of it when you8217re ready. Long term care insurance premiums, too. What about the impact of the vastly lower corporate tax rates this will increase earnings of companies and allow for increases to salaries and bonuses. I would think this would more than make up for a slight increase to certain segments of the middle class. Also, with deductions for kids, interest on mortgage, and charitable contributions, does anyone end up paying the marginal rate anyway I pay an effective tax rate in the low single digits. Nobody ends up paying the marginal rate, unless you make well over 1,000,000 a year. If you really only have an effective tax rate, may I ask you to pay more of your fair share for the greater good of America We all need people to pay more FICAPayroll taxes alone are 6.2 for employees. Then there8217s Federal and State. Can you share how you are only paying only single digit effective tax rate Its a combination of interest deduction on my home, child tax credits for five kids, exemptions for seven people in the family, and contributions to charity. I would have thought a single digit effective tax rate is normal though The great thing about lowering the tax rate for corporations is that it frees up more money for corporations to invest. This is essentially diverting money from welfare programs and allocating it to corporations to help drive our economy. The subsequent increase in jobs, salaries, and bonuses should more than offset the slight increase in the marginal rate for those few who it applies to. Killing the AMT will be great as well. Wow, 5 kids are they expensive to raise I feel like kids are not that expensive because so many families have so many kids with a very average income. I thought the child tax credit was only available for couples making under 100,000 They really aren8217t all that expensive. It8217s like most things 8211 if you try to keep up with the Joneses it is tough but if you are frugal it isn8217t bad. You can send to private school and pay for after-school care and buy your kids all new clothes. Or you can homeschoolpublic school and buy your kids pre-owned items. The difference in those things is thousands of dollars but doesn8217t have too huge of an impact on the child. Actually, I would argue the more expensive options can sometimes be worse. Kids need to learn to work for success. Long-time reader, first-time commenter. Let me just say I8217m a big fan of you and your website and find many of your viewpoints directly applicable to my situation. That said in my opinion this may just be the laziest post you have ever written (easy for me to say because I find most have considerable value). I hadn8217t crunched the numbers on the Trump tax plan so when I saw the title of this post I assumed you had found a legitimate donut hole in the plan that would swallow up the middle class, however, after just briefly looking at Trump8217s plan a little more closely it seems unlikely that many people will find themselves paying more taxes. Even in the scenario8217s you have drawn up it would seem these taxpayers will find savings because Trump8217s plan also includes making childcare expenses an above the line deduction. I also think the increase of the standard deduction to 15,000 from 12,600 will help in examples similar to yours even though I realize people in high cost areas like NYC and SF will benefit less from that. In addition just this morning within minutes of reading your article I saw an excerpt of an interview with Stephen Moore, a Trump economic advisor, who suggested a tweaking of the tax plan should certain situations result in an increase in the tax on some of the middle class. When all is said and done I8217d be surprised if there weren8217t some losers amongst the middle class once this gets finalized but being that it is likely to be such a select few I don8217t think it8217s time to inform the middle class as a whole that we need to prepare for this event as if the sky is falling. To the contrary I think your readers would be better served by providing your insight in how we might best spend a sudden increase in our disposable income as the vast majority of taxpayers particularly those who are married and living away from the coasts will be seeing a significant boost in the bottom line. Now you know the truth and my secret that I really am a lazy person. It8217s something I8217ve tried very hard to fight ever since I was a kid, but I know I8217m not doing a very good job at it. I8217d love for you to write a guess post for me on why someone making 200,000 a year will save a lot in taxes under the new proposed plan. In your post please include actual numbers and charts so we can follow along and see the math. I think it would be fantastic to help readers in this regard. Thank you so much for your contribution. It8217s always best to take action and rectify a situation, especially if you are not satisfied with what you8217ve read. I think it will be great and I can help you edit the post. I8217ve been meaning to post this but this article starts off talking about mortgage 82308221higher interest rates are already a tax on consumers82218230 when it was bound to happen sooner or later. Rates should have increased long ago and this is the Fed. Trump has proposed increasing the standard deduction to 30,000 for joint filers, up from 12,600, effectively eliminating income taxes for anyone earning less than that amount. Hillary wanted to raise the FICA tax which is the very people you are referring to middle class. Currently, pass-through profits are taxed as individual income for owners. In this structure, the businesses arent taxed under the corporate rate the profits are taxed as individual income for the owners. The Trump campaign has not specified which pass-throughs, exactly, would be eligible for the lower rate under his plan. This administration has been particularly hard for small business but when small business (pass through entities) gets relief they may invest for growth which would result in hiring and as the need for hiring goes up so may income due to competition. Elizabeth, you seem to really know your tax stuff. What is your background I appreciate your insights. Tax it8217s something that I try really hard to understand, but I just can8217t figure everything out with so many laws and changes. Even if the Federal Reserve 8220should have an 8220raised the fed funds rate earlier, it is still a punch in the gut for those who are looking to refinance their mortgages or general loans after a 30 increase in interest rates from a low base. Everything is relative. I do hope that corporate income can be passed through at the lower percentage rate as well. That would be so huge for small business owners like myself. That will fundamentally change the way people consider making income in the future. LOL, yes and no. A 70,000 page tax code would make anyone8217s head spin. If gov truly wanted to help people they would make the tax code so anyone could understand it, instead they use the tax code not only for revenue but to manipulate people to do what they want. That8217s why W2 income is the worst type of income. Early on I figured out that it8217s not 8220all8221 about how much you make, it8217s also how much you keep, accumulate then put to work for the right type of income. The accumulation years are very important but if government keeps taking your money it8217s hard to accumulate seed money and that8217s why people always feel like they can8217t get ahead. I think of taxes in a different way. Lets say 2 people, married filing jointly, you get to reduce your taxable income by standard and personal exemption. In 2016. That8217s a total of 20,700 money you earned without the government taking any of it8230 It8217s as if the gov has determined 20,700 is enough for a family of 2 to live on for that year. Income above is seen as excess money and they can take some of it. As you climb the income ladder and tax brackets, gov take a higher of that excess off the top earnings. Government will always take as much as the people allow them to get away with without causing push back. That8217s why this administration went after HENRY8217s, they understood the middle class was tapped out and angry. They spun words to mean what it doesn8217t mean. (high income wealth), to gain their support for taking more money from the other guy, the HENRY8217s (High Earners Not Rich Yet). As we both know, high income does not mean you are 8220rich8221. At one time I was also of the mindset that 8220if I could just get that raise then things would get better. The problem is people are always after higher income but don8217t do things that allow them to keep a good chunk of that raise, instead they spend it on things that keep them locked in the rat race and round and round they go. That8217s my history, at one time a W2 worker stuck in the man hole climbing up the ladder to get out of the rat trap, make what is deemed 8220excess8221 and instead of being able to accumulate that excess money for my future, had to pay higher taxes and get pushed down a rung or two. Now a small business owner who was shocked at the government8217s take. I did the best I could but my business model does not give much in write off8217s which is why I8217ve considered real estate. I like learning about taxes because understanding taxes help me know how and when to spend money while accumulating, and using it to make the right kind of income. I understand that the government needs revenue but just as with anyone with a credit card with no limit, it8217s being abuses and we the people are paying for that abuse. I like learning about taxes for I might find a little nugget in that 70,000 page tax code that allows me to keep more of my money :-) For what it is worth I actually thought this was one of your more technical and meaty articles Sam I think it is also a very interesting and discussion-worthy topic. Its fun to think through the scenarios and by providing numbers and tables you gave us something to think about. Kudos Why thank you Don8217t worry, I get called lazy, dumb, and other names all the time but I will continue to try my best. I always dream that one day someone who says my writing is no good will just post something great themselves. Just write 2000 words, put up a couple supporting charts and graphs, and write something unique with some new insights. So easy even a lazy person like me can do it. lol you make it sound so easy. I can vouch for the fact that it is much harder than that. 8220writing is thinking8221 and most folks are not up for the hard work it takes to put together a really good 2,000 word post. OMG 8211 people who have skated away forever as burdens on my tax bill now have to contribute Say it isn8217t so8230. Sam 8211 I don8217t think someone making 200,000 is going to save a lot in taxes under the trump plan nor do I think they will pay a lot more. I guess my point was that I don8217t think the difference will be all that significant for the few (emphasis on 8220few8221) who might miss out to make it the focus of a post when contrasted with with the vast majority of people expected to benefit. That8217s not to say that it won8217t suck for the few that do miss out but at least as proposed I think you are searching for needles in the haystack. I8217m not going to go into all that much detail because 1) I am much lazier than you 2) I8217m not incentivized to do so and 3) I8217ve learned you can make statistics tell whatever story you want. In other words I could find examples to support your argument 8211 I just think they are going to be few and far between. That said I will give you 4 reasons (2 already mentioned and 2 new ones) that even single people making 200,000 including small business owners living on the coast like in your example won8217t be paying that much more in taxes (if anything) if Trump8217s tax plan is enacted as currently proposed, which at this early stage, is far from a sure thing. 1) Childcare deduction (from your example 25,200 8211 I am going to assume this amount is the state avg for California w 2 kids so I will take this and subtract 6,000 (current tax plan amount used to determine the childcare tax credit) 19,200 x .20 3,840 in tax savings. 2) Standard deduction increase 8211 I think most single people making 200,000 won8217t choose to take the standard deduction, including the person in your example, however, I include it because it may offset some of the additional tax paid by a single person with kids due to the elimination of the personal exemptions. It could also benefit a large number of those who currently choose to rent while saving up for a home. Elimination of Personal Exemption 12,000 x .20 (2,400) cost 3) Elimination of AMT 8211 Although in your example this single person does not look to be impacted 8211 I know many of us in the middle class especially the so called upper middle class are impacted and greatly so. In fact you could argue much more strongly that without the elimination of the AMT tax Trump8217s plan won8217t have the intended impact on the middle class as it intended as it may just shift more people into paying the AMT. The elimination of the AMT must be a central component to any middle class tax relief. I mention this because if enacted this on it8217s own should favorably impact more middle class than all the people negatively impacted who fall in the donut hole under your scenario. 4) Reduction in Corporate Tax 8211 It8217s not clear to me at all how Trump8217s proposed reduction in the Corporate tax will work but it if the corporate tax is lowered to 15 as proposed it may make sense for a lot of small business owners maybe even the person in your example to convert to C Corp at least for tax purposes. I realize you defined this business income as 8220passive8221 but if truly passive then I see no need for her to be paying for childcare expenses unless she was also running a side hussle which was outside the scope of your example. But lets face it without being forced to pay for childcare the person in your example would be saving 55,200yr (not an example that will garner much sympathy from the masses). I also mention this because trump8217s proposed corporate tax reform could set off a wave of business restructurings. Having the ability to moving income from a personal return to a corporate return would allow many small business owners to save in other ways perhaps in extreme examples by eliminating all other federal income tax (capital gains, dividend, interest income, or even all that income as a result of side hussling). The incentives to work harder should not be overlooked. Sam I think you may find this option might work even better for someone like you. In the end you may be in the sweet spot 8211 you may be able to work less and make more after tax. Aw shucks. So close to getting a guest post so I can learn what a great post should look like. If you change your mind let me know. I am eager to see if the pass-through income for S Corp owners drops to 15. That would be huge. What8217s your current financial situation For a real world example, I8217m single and make about 200k. In my case Trump is increasing my taxes by about 2.5k. I don8217t expect anyone to weep for me. I know its hard for people in other areas of the country to believe but I8217m definitely middle class. I live in modest 1000 sqft house that is 40 years old in a working class neighborhood about an hours drive out of silicon valley. My commute is 2 hours each day. Two of my nearest neighbors have been in prison within the last year for violent crimes. So I8217m not exactly rubbing shoulders with yacht owners. 200k is not the fantasy lifestyle some people might imagine. What grinds is that the yacht club folk are getting a tax cut, while my taxes are going up Yacht club Perhaps it8217s time to get a second job to try and get your own yacht as well Just kidding. It8217s fascinating the American people voted to lower taxes on the 1 while raise taxes on the middle to upper middle class. A quick and dirty example on how to lower your tax bill without reducing your income. Buy your favorite asset class, real estate. In the suburbs of Denver if you put 20 down on a 400,000 house and rent it out, you will have cash flow of approximately 400month, or 4800 for the year. When its time to do your taxes you get to deduct the mortgage interest, which will be about 1000month (12,000 for the year) and you will get to depreciate the property, which is about another 1000month (12,000 for the year). In this scenario, your income will actually go up by 4800year, but due to 24,000year in deductions, your net taxable income will be reduced by 19,200 per year. Someone who makes 190,000year who wants to reduce their taxable income down to 112,500 per year just needs to buy the equivalent of 4 of these properties in Denver, CO. Meh, the example was too quick and dirty, I double dipped on the income deduction, so remove that from the example above, but you still get the depreciation deduction, so the point I was trying to make is still valid. Buy more properties to reduce your taxable income. You8217ll just need to buy more than 4 to get your taxable income down to 112,500. I don8217t think right now is the right time to buy property. Maybe if you can buy it with cash and there is an immediate 4 or higher net rental yield. But to leverage up and buy property now after such a big run I think is risky. I8217d rather buy municipal bonds or real estate deals at 10,000-25,000 a pop. but yes, the depreciation and the deductions are great for not having to pay any rental income taxes. DONT FORGET THE INCOME PHASEOUT KILLER TOO Back in 2011, if you have an adjusted gross income of over 166,800, your mortgage interest starts to get phased out. For every 100 of income over 166,800 you lose 3 of itemized deduction X 33.3 up to a maximum loss of 80 percent of your itemized deductions. Talk about another overly complicated rule the IRSgovernment has implemented. 8211 I was considering investing in real estate but opted not to. Because of my income, even though I had a mortgage I couldn8217t take deductions on my mortgage because of the phase out rule, to make it even worse, I got hit with AMT. This is a good article that talks about 8220the sweet spot8221 and the phase out of deductions. The ideal income for maximum happiness is not far off of 200,000 a year. If you make 200,000, the government wont persecute you, and you will only lose 331 in mortgage interest deduction as your income is 33,200 above the 166,800 phaseout cap. 200,000 a year is the magic number indeed it8217s enough to live a good life. And it8217s low enough to not get incessantly attacked by the government. With a 20,000 gross income and 30,000-50,000 worth of deductions, the balance is pretty good. Mortgage interest on a rental investment property has nothing to do with the limitation and phaseout on homes for personal use. I am grateful for this post because I can honestly say I had not looked into the new tax plan, assuming rates would decrease for the middle class. It looks like I will be seeing the 5 tax hike, although it does not affect my desire to create more income. I8217m willing to work as hard as I can to make as much as I can, however I have not made it to that magic 200K yet. Perhaps when I8217m there my desire to work harder for more money will subside. Currently I am working about 60 hours a week at my day job and spending my spare time getting my new blog up and running. BTW 8211 I have this site to thank for motivating me to start a blog. Financial Freedom, here I come Great job hustling Make sure you save as much as you can while you8217re working you8217re 60 hours a week. It is hard to keep that up for more than 10 consecutive years. I know I burnt out after 13 years, and I8217ve got some pretty good endurance. Build your brand online on the side, watch your options to do something you multiply. Only people knew how many opportunities there are once you establish yourself on the inter-webs. Just keep going, no matter what someone tells you. Growing athick skin is just part of the business. Sometimes, I cant tell whether youre being intentionally obtuse or merely provocative. However, I know youre a bright guy, so Ill chalk this up to a good, old-fashioned click baiting effort. Kudos. As youve noted, your readership skews toward higher earners (and the balance who dont self-identify as high earners, aspire to the category). I would venture that the vast majority are also coastal, and live in one of the few hundred counties that tilted heavily for Hillary Clinton. The other 2000 counties comprise Trump Country. Youre incredulous that the Vast Middle voted against their self interest by voting themselves a tax increase an honest definition of the Middle Class would reveal the opposite. Let me state that Im a skeptic (ok, maybe an agnostic) on whether Trumps tax plan will work for the betterment of the USAtoo many promises to too many people. However, I can certainly see the appeal for the Vast Middle: the promise of bringing jobs back, made by an actual wealth creator, is too good to ignore. If the media would have provided cover for Trump the way they covered for Hillary, I believe he wouldve won by a popular vote landslide - but thats another story. Trumps promise to make America great again has already paid dividends in the eyes of some voters. A couple of weeks back, Ford promised to keep auto production in Michigan instead of Mexico now, it appears that hes received a similar commitment from Carrier for Hoosier jobs - real, middle class Hoosier jobs - The promise of fantastic wealth will still draw people to the coasts, but too often, only a handful get rich. And while 6 figure jobs might be a dime a dozen in Silicon Valley, median home prices are in the 7-figure range. Trump wasnt trying to win over the young techie in Parkside or Golden Gate Heights his target voter lived in OH, and PA, and WV, and MI In the end, it does no harm to speculate on what your taxes will look like in the future. But dont soft-peddle the notion, that the Vast Middle dont know what they voted for. I thought Ford was going to keep its plant in America already I actually believe the middle class knows what they voted for and Trump supporters know what they voted for in particular. Given there is a middle class tax hike, it is logical to assume that the middle class is stronger than many of us would like to believe. And that is a fantastic thing. If we can all pitch in to pay more taxes, we can all do much to help support the fiscal stimulus that is planned to help keep jobs and grow employment opportunities. When it comes to taxes, I would give myself a B - in understanding the code. there are so many forms and so many phaseouts in so many rules to remember that it8217s hard to keep everything straight. This is why I rely on readers to help rectify where I am wrong. What is your background Regarding Fords decision: if you read between the lines, Ford was considering a move to Mexico without advising the UAW. The anti-Trump media glossed over this8211 Regarding the strength of the Middle Class: I believe the upper Middle Class has been resilient and will remain strong. The lower middle class Not so much (and I mean these as income labels, not behavioral labels). That is the great dilemma for the US, because the nose-to-the-grindstone middle is a disappearing breed, and they have long provided ballast in the US economy. Trump spoke to these people, who have been ignored for the better part of 20 years. In my earlier post, I labeled them the Vast Middle in reality, theyve been shrinking for years. Some lower middle class Millennials have hacked their life by reading the Gospel according to MMM or Financial Samurai (and believe me, this is not a slight I sincerely believe you have helped hundreds, and perhaps thousands, see that they can work their way to success). For most, however, a lack of productive work in the heartland has forced many to turn to welfare and indolence, or worse, heroin and meth. Regarding the tax code: if a foreign power wanted to provoke an uprising in the productive classes in the US, it would scuttle Turbotax for a month or two. Regarding my own background, I am a worker bee in a sales job - not in the vaunted 1, but not far from it, either. For me and most of your readership, the winner on 08 November mattered about as much as the winner in a sports contest, at least from an economic standpoint. We may have a candidate preference, but we are adaptable to the shifts in the economy. I voted for the President-elect because for too many of the United States, adaptation is not a viable avenue. Trumps intention, to put Americans first, is a tonic for many who see CEOs get stock options for shifting jobs out of the country. Whether it is a healing tonic remains to be seen. Please God, bless America. You said8230. 8220If we can all pitch in to pay more taxes, we can all do much to help support the fiscal stimulus that is planned to help keep jobs and grow employment opportunities.8221 First, it8217s better to grow employment opportunity via the people instead of the government. With government employment you8217ll always need 8220just a little bit more8221 to fund it. It won8217t end. I am so tired of the attitude of 8220just a little bit more8221. Maybe it8217s time gov spends a lot less. I live in PA, yes, there are people who do well here, I8217ve fortunate to have done better than many and no, we are not uneducated, toothless, back woods, neanderthals, despicable8217s that hate everyone as they portray us to be here in flyover country. I8217m surrounded by both republicans and hard working blue dog democrats, both who were once solid middle class but slipped financially and are struggling. Worse, they can8217t put money aside for their elderly years, most say they8217ll have to work the rest of their lives and sadly they are right. So just 8220a little bit more8221 to you is a lot more to them. You can8217t help others unless you are healthy and in this case financially healthy yet for some reason politicians think the people are swimming in money that the people can afford to help everyone who extends a hands out. So when is 8220just a little bit more8221 going to be enough, 2008, 2012, 2016, 2020, 8230 will it ever be enough It is easy to manipulate people who don8217t understand the difference between high income vs true wealth and point to them as the culprit. It8217s easy to manipulate people who don8217t have a basic understanding of the tax code to gain that support for 8220a little bit more8221. Sorry, I got off track but nothing is solid yet and we8217ll see. It8217s never enough. At one time Trump was proposing the 1-5-10-15 income tax policy consisting of the following: Those making up to 30,000 will pay 1 percent. Income from 30,000 to 100,000 results in a flat 5 percent. 100,000 to 1 million income will be taxed at 10 percent. On 1 million or above will be taxed 15 percent. But if I am understanding the situation, now all that is out the window. (Is Trump just another lying politician) Now many will get a tax increase including single tax filers making between between 112,500 and 190,150, or joint filers earning between 225,000 and 231,450. If the above applies to you, youre going to be kicked into a 5 higher tax bracket. You will also being paying more on capital gains. Those in states like California already have to deal with high state income taxes. In California the people above are already in a 9.3 marginal tax bracket. Combined with Trump8217s increase they are looking at a whopping combined 42.3 tax bracket You could be paying thousands of dollars a year more than when the DEMOCRATS controlled the House, the Senate and the White House. Yes, more than you did under Obama How can we stop this What can we do besides write or call our Congress Critters Leave a Reply Cancel reply