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Monthly Review - December 2004 ($195,522, +$7,150)

Contributed by mm | January 7, 2005 7:22 AM PST

SUMMARY

Our family enjoyed a wonderful time during the New Year in a different city and both my wife and I had a great relax. Financially, it set us back by a grand or so, but it is more than worthwhile -- we see it is as a great celebration to what we achieved both financially and professionally in 2004.

At the end of 2004, our net worth checked in at $195,222, $7,150 higher than last month and a whole $62,937 more compared to the end of 2003. If you recall, this number put us way ahead of our 2004 net worth stretch goal of $180,000. Even assuming lower growth momentum, my Retirometer says we will be able to boast our first million in November 2015.

BALANCE SHEET RESULTS

(Starting from 2005, I am comparing monthly results to balance sheet one year and one month ago for better visibility of progress. Please refer to definition of balance sheet line items.)

  1 Yr Ago 2-Mo Ago Last Month This Month monthly Monthly
  Dec-03 Oct-04 Nov-04 Dec-04 Change Change %
Cash & Equivalent  $            918  $         2,517  $         4,611  $         4,916  $            305 6.6%
Saving  $       10,671  $       31,977  $       33,653  $       35,675  $         2,022 6.0%
Brokerage  $       21,329  $       14,079  $       16,650  $       17,964  $         1,314 7.9%
Roth IRA  $         7,604  $       13,722  $       13,449  $       13,819  $            370 2.7%
401(k)  $       11,308  $       26,022  $       28,562  $       31,234  $         2,672 9.4%
Stock Option  $         1,211  $         9,919  $       13,252  $       12,892  $           (360) -2.7%
ESPP  $         9,805  $         1,139  $         2,278  $         3,798  $         1,520 66.7%
Home Equity  $       66,392  $       74,068  $       74,917  $       75,767  $            850 1.1%
Other Assets  $         9,700  $       15,522  $       15,247  $       14,972  $           (275) -1.8%
Receivable (Payable)  $         3,491  $         1,834  $         1,273  $         1,159  $           (114) -8.9%
Reserve Funds  $        (1,455)  $        (4,615)  $        (4,451)  $        (4,750)  $           (298) 6.7%
Loans  $        (4,979)  $        (7,143)  $        (7,206)  $        (7,301)  $            (95) 1.3%
Tax Liability  $        (3,411)  $        (2,618)  $        (3,864)  $        (4,625)  $           (761) 19.7%
Net Worth  $     132,584  $     176,425  $     188,372  $     195,522  $         7,150 3.8%
Liquidation Value  $     106,875  $     146,061  $     156,847  $     163,548  $         6,701 4.3%

IMPORTANT BALANCE SHEET MOVEMENT DISCUSSION

1) Cash/Saving: Cash and savings continue to swell as I couldn't find much opportunity to invest them other than parking extra money in my saving accounts.

2) Brokeage and Roth IRA: My actively managed portfolio extended its recovery as PPD, OCA, FDP and MO all contributed some more gains.

3) ESPP: Apart from regular contribution, this month's result captured the 15% discount I received for the Q4 ESPP cycle. As I disclosed at PFBlog, these shares were sold on January 4.

4) 401(k): 401(k) account growth followed November trend as both my wife and I are actively contributing. 401(k) balance also benefitted from investment gains, especially in international equity funds.

5) Loans: The current balance of $7,301 includes $4,500 "free money" from the 0% APR Discover Card balance-transfer deal I took in August. Christmas shopping and our family's short trip added to the balance but all non-0% APR balance will be repaid in the next month.

6) Tax Liability: Tax liability continued to grow thanks to 1) the recovery of my after-tax account and 2) the fact that my wife's tax i insufficiently withheld by employer. The balance of $4,625 includes an "incurred" portion of $819 and a "floating" portion of $3,806. "Incurred" represents my true tax liability in 2004 tax return, which I must pay to IRS by April 15, 2005. "Floating" represents my future tax liability (tax year uncertain) when I choose to cash out some of my after-tax account or stock option positions.

BRIEF DISCUSSION OF EXPENSES

We spent $6,764 in December with the New Year trip as the biggest contributor. In recent months, our expense rose a tad but we were also bringing in additional income.

IMPORTANT PERSONAL FINANCE ISSUES IN MONTHS AHEAD

- My 2005 budget is taking shape in my Excel workbook. In January I will disclose the steps I took to construct my 2005 budget (it is more a financial plan, which includes income, expenses, tax exposure and investment plan).

- I will also spell out my 2005 financial goals. I plan a few changes to my 2004 version because some of them might not be meaningful any more.

- 2005 Roth IRA contributions will be made in the next several months.

This Post Has Received 57 Comments. Share Your Opinions Too.


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In measured scientific trials in individuals with Parkinson's illness, syncope was observed more regularly in people getting Requip compared to in patients acyclovir receiving placebo (very early Parkinson's illness without L-dopa: Requip 12 %, placebo 1 %; sophisticated Parkinson's illness: Requip 3 %, inactive medicine 2 %). No cross resistance with other readily available antimycobacterial mobic 7.5 mg brokers has actually been demonstrated. When withing Vardenafil you will really need to see to it you constantly observe the dosage you have actually been suggested and where to buy prednisone online without a script take it not a lot more often than every 24 hrs. Your medical professional could occasionally where to buy alli pills change your dosage to see to it you acquire the finest results. Some men that later profited from taking Propecia and managed to re-grow their hair noticed the very first results just after 3 months of the procedure, meanings you should order ampicillin keep taking it regularly and noting the dose prescribed up until the outcomes end up being noticeable. Specific care is needed for clients that are moved from systemically energetic corticosteroids to Pulmicort TURBUHALER due to the fact that fatalities antabuse prescription due to adrenal deficiency have actually occurred in asthmatic individuals during as well as after transfer from systemic corticosteroids to less systemically available inhaled corticosteroids. Concomitant management of clonidine with agents with β-blocking celebrex non prescription residential properties could potentiate blood-pressure- as well as heart-rate-lowering impacts. When concomitant treatment with representatives with β-blocking homes and clonidine is to be cancelled, the β-blocking broker must be terminated. Clonidine therapy can then be terminated many days later by gradually lowering the dose. You will certainly have to remember that although you might take Sildenafil as required, it's important not cheapest xenical online to utilize it more usually compared to when every 24 hrs. The pharmacokinetics of online diflucan glimepiride does not differ between healthy and balanced subjects and also patients with kind 2 diabetes. You could come by our contrast page at any time and decide on diflucan a trustworthy useful pharmacy like that! This details is not particular medical suggestions as well as does not replace info you buy hydrochlorothiazide obtain from your healthcare company. These problems include renal or liver condition, blood circulation issues, a past of a cardiac arrest, different kinds of cancer cells, heart problem, tummy lesion, blood cell issues, generic synthroid diabetes or other ones that you feel could obstruct the therapy. You should go over all therapy cialis without prescription choices with your medical care company. In basic, Vardenafil clients are not most likely to develop any type of unusual reactions. Most patients will certainly allow Vardenafil without any negative effects at all, while others zithromax might get lightheadedness, warmth in the face or upper body, back discomfort, headache, redness in the face or neck, drippy nose, upset belly or stale nose. Co-administration of leflunomide tablets with a buy cheap nolvadex online without prescription high body fat meal did not have a substantial influence on M1 plasma levels. When utilizing Vardenafil you augmentin will have to observe the dose you have actually been suggested very carefully. The tablet computer must be tadalafil taken with a full glass of water before you have your very first dish. Make certain you check out the guideline for Acomplia very carefully and review your decision with a doctor that knows your clinical past. If you have erectile disorder and require to be taking some drug to make the construction last longer, Viagra (sildenafil) could be recommended by your health care service provider. You will certainly have to make certain your healthcare company recognizes the truth you order amoxil online are using various other drugs, especially any of the following ones: nevirapine, alpha blockers, efavirenz, various other erectile disorder meds, medications for hypertension, barbiturates, cimetidine, seizure medicines, 'beta' blockers, amlodipine, anticoagulants, rifabutin, HIV protease inhibitors, erythromycin, rifampin, specific antifungals, or bosentan. This vitamin assists albendazole for sale to keep healthy and balanced and also sturdy bones by maintaining calcium. It does NOT include all information concerning the possible uses, instructions, warnings, safety measures, interactions, adverse effects, or dangers that might use to Acticin cheap celebrex lotion.


Gootrjozs Commented on October 23, 2015

With our assistance, it's more secure than ever before to get Albuterol online buy lipitor at the drug store of your selection. Such medications as anticoagulants, metronidazole, any nonprescription drugs that could consist of alcohol, isoniazid, phenytoin, cafergot tablets amitriptyline, or any type of supplements are especially vital to state. Zofran is an anti-nausea medicine taken by clients going through radiation wellbutrin treatment of chemotherapy for cancer cells. Do not share this drug with individuals to which it was not prescribed as every client's order prozac online dosage is based upon a variety of aspects, such as age, health and wellness condition and various other medicines taken. Concomitant management of clonidine with representatives with β-blocking generic advair online residential properties might potentiate blood-pressure- and heart-rate-lowering effects. When concomitant therapy with agents with β-blocking residential properties and also clonidine is to be cancelled, the β-blocking agent needs to be ceased. Clonidine treatment could then be terminated numerous days later on by slowly decreasing the dose. Cialis (tadalafil) is ventolin inhaler no prescription a prescription medicine usually used for the treatment of impotence. Crestor (rosuvastatin) nolvadex is a prescribed drug planned for people with higher degrees of "bad" cholesterol levels in the blood. CYP3A4 preventions such as vermox itraconazole or ketoconazole may increase plasma bodily hormone concentrations. Similar to various other medicines, individuals need to be advised to notify their physicians if they are taking, or plan to take, any kind of prescription or non-prescription antabuse medications Drug Interactions (7. Propranolol is utilized in managing hypertension, angina breast pain, and generic elimite heart rhythm ailments. Those who have actually taken Purim tablet computers often say it takes many weeks before you begin to really feel the lasting benefits of indocin sr 75 mg the supplement. Sulfonamides take on bilirubin for plasma protein binding websites as well as could create kernicterus in babies. Although sulfapyridine has inadequate bilirubin-displacing capability, newborn babies should be checked for kernicterus. One propecia breastfed baby developed blood-spattered diarrhea while the mother ingested sulfasalazine. If you have diabetes, do not utilize Zestril together regarding any type of drug which contains prozac aliskiren (Amturnide, Tekturna, Tekamlo, Valturna). It is not most likely that drugs you take by mouth or inject will have an effect on topically used permethrin. Many medicines could interact with each other. Tell additional reading your doctor regarding all your prescribed as well as non-prescription medications, vitamins, minerals, herbal items, and also medications suggested by other doctors. It is an Ayurvedic plant which contains anti-inflammatory terpenoids called boswellic cymbalta 60 acids. Holding the cylinder albuterol upright, between your thumb and finger(s), put the mouth piece in your mouth and also shut your lips.


Artakevb8e Commented on October 23, 2015

Bupropion works by preventing the reuptake of specific advair asthma neurotransmitters, which helps to enhance interaction in between various parts of the mind and raise the person's state of mind. There are a large variety of infections it is efficient for, and your medical professional will figure out whether your advair 250 case calls for treatment with tetracycline. Each unit-dose cartridge delivers minocycline hydrochloride comparable viagra on line to 1 mg of minocycline complimentary base. If you have any sort of clinical disorders that might potentially disrupt the procedure your healthcare company needs to understand about it. Such problems consist of hindered cheap cialis generic online renal system function and hindered liver function. In uncommon instances mens taking Propecia cheap cialis develop nipple discharge, breast swellings or other changes in their breast. Stromectol (ivermectin) is an antihelmintic medication planned for the treatment generic lisinopril of strongyloidiasis (threadworm). Diflucan can trigger mobic 15 mg tablet skin rash, vomiting, dizziness, hassle, light nausea or vomiting, itching, undesirable taste in your mouth, looseness of the bowels or indigestion among moderate adverse effects. The person has to cymbalta 120 mg not take in liquor during this whole duration of therapy as unpleasant adverse effects can still happen. In clinical cafegot trials of mainly mild‑to‑moderate cardiac arrest, hypotension and also postural hypotension happened in 9.7 % and also syncope in 3.4 % of topics receiving Coreg contrasted with 3.6 % and 2.5 % of inactive medicine subjects, respectively. While these events buying antabuse online are usually self-limiting, there have been reports of severe discontinuation signs and symptoms. You will need to permit your doctor know if you create any type of severe negative effects like joint pain, numbness, reduction of hunger, flu signs, clay-colored stools, dark pee, pain, queasiness or bleeding when peing, fat burning, muscle weakness or urinating much less than common. Mild negative effects like changes in the sense of taste, looseness of the bowels, problem, throwing up, muscular tissue discomfort or drowsiness often disappear, which is why there is no necessity for you to report them to cymbalta your medical professional. Phenergan is a prescribed antihistamine that can be utilized for easing the most bothersome symptoms of periodic allergic reactions, amoxil consisting of watery eyes, irritating, sneezing, hives and skin breakouts. The mean number of daily "off" hours at standard was 6.4 hours for patients treated with Requip and sildenafil 7.3 hours for patients treated with inactive medicine. Hyperglycemia, hypoglycemia, hypoalbuminemia, vip medications buy lasix without prescription hyperkalemia, hyponatremia, and also hypoproteinemia have been stated. Do not start taking any type of new medicines and mention the reality of taking Rimonabant to some other doctor generic viagra soft tabs that is about to recommended you another medicine. The most usual symptoms of buy clomid online usa Tetracycline overdose include throwing up, nausea or vomiting or looseness of the bowels. The rash is often moderate and disappears within a few days of dosage reduction, short-term treatment with an propranolol antihistaminic agent, and/or discontinuing therapy; remission could occur even if captopril is proceeded. Ureteral blockage as a result of embolisms formation in individuals with top urinary tract blood loss has been where can i buy azithromycin online stated in patients treated with Cyklokapron. 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Doing this, styplon reduces the risk of difficulties cheap acyclovir throughout surgical procedures while enhancing the speed recovery time. You can additionally take this medicine with some meals as it will certainly improve the erythromycin absorption of the medication into your blood stream. Rimonabant is typically prescribed for individuals diagnosed with generic cymbalta online type 2 diabetic issues and uncommon blood fats levels. It works by blocking oestrogen action in the breast cells, therefore buy acyclovir protecting against the development of lumps triggered by oestrogen. Your doctor must be alerted of the following health care problems you have actually or used to have: movement, very high or reduced blood pressure, blood flow issues, disorders impacting the shape of the bonuses penis, kidney illness, liver disease, belly ulcer, chest discomfort, red blood cell troubles, uneven heart beat, pulmonary veno-occlusive illness, cardiovascular disease, bleeding disorder, very high cholesterol, diabetic issues, or heart attack. You shouldn't viagra soft get stressed if the disorder of your skin becomes worse in the beginning, as this suggests the drug is working properly.


AwSn704hn Commented on October 24, 2015

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