Raffay,
The negative is just the template for a print. If you are happy with the amount of shadow detail you are getting (i.e., not being disturbed by featureless black areas or wishing you could see something in those black areas), then you are exposing adequately for your vision.
As far as development: If you plan to scan, then working with a rather thin negative (for traditional printing anyway) has some advantages. As long as you get the highlights you want, the development is adequate.
I think the print you posted looks just great, so you are exposing and developing fine for that workflow.
If you plan to print traditionally at any point (this is APUG...) then your exposure/development parameters will be a little tighter. You may find that thinner negatives that scan well produce rather muddy prints and that you will have to use high contrast settings and maybe still be fighting to get enough contrast. Additionally, you may find that real photo paper requires a negative with more exposure in order to give you acceptable blacks in the shadow areas of your negative.
And, just to satisfy Stone, you will have to make a print (or several!) to find this out. After more than 30 years of black-and-white printing, I still cannot just "look" at a negative and tell you how it will print, or what grade of paper to use, etc. One can spot grave errors (e.g. underexposure, overdevelopment, underdevelopment) but the nuances appear during printing.
The thing is to tailor your negative for your workflow and print medium. Perhaps the best advice came from Kodak years ago: "If your negatives yield consistently too little shadow detail, increase exposure. If they are consistently too flat, increase development. If they are consistently too contrasty, reduce development." (Notice I left out overexposure... unless you overexpose by 3 stops or more, you'll likely still end up with a very printable negative. Generally speaking, overexposure is much less of a problem than underexposure).
In short, I "read" a negative by seeing how it prints. Yes, I can tell if I've made a grave exposure or development error (or bad choice) when the negative comes out of the fix, but that is only because I have printed thousands of negatives and know kind of how a negative that prints well looks. Still, however, the impression is really general and I continue to be surprised by being able to easily get good prints from negatives that look "hard to deal with" or how much of a pain to print a "nice looking" negative can often be.
If at some point you wish to move on to one of the exposure and development systems (e.g., Zone System), then there are tons of things to read here, other places on the web and, of course, there are wonderful old-fashioned things called books that contain a lot of valuable information too (although they are difficult to search... you have to use the index

)
Best,
Doremus