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Monthly Review - December 2003 ($132,584, +$8,123)

Contributed by mm | January 4, 2004 3:41 AM PST

SUMMARY

December is a great month for my net worth. First, the conclusion of the Microsoft SOTP provided a pleasant year-end bonus. Second, the slow recovery of OCA stock helped to put a good close to my portfolio for the year 2003. Adding my monthly savings, my net worth leapt forward $8,123 for the month and closed at $132,584. Liquidation value also surpasses the $100,000 mark for the first time after I purchased my home to end up at $106,875 for the year. The Month-To-Retirement reading dropped one more month to June 2016 from last month's July 2016.

MONTH-END BALANCE SHEET

  Nov-03 Dec-03 Change Change %
Cash & Equivalent  $           695  $           918  $           224 32%
Saving  $        8,715  $      10,671  $        1,957 22%
Brokerage  $      20,111  $      21,329  $        1,218 6%
Roth IRA  $        7,516  $        7,604  $             88 1%
401(k)  $      10,579  $      11,308  $           729 7%
Stock Option  $           344  $        1,211  $           867 252%
ESPP  $        8,066  $        9,805  $        1,740 22%
Home Equity  $      65,642  $      66,392  $           750 1%
Other Assets  $        9,875  $        9,700  $          (175) -2%
Payable (Receivable)  $        2,668  $        3,491  $           823 31%
Reserve Funds  $       (1,105)  $       (1,455)  $          (350) 32%
Loans  $       (5,648)  $       (4,979)  $           669 -12%
Tax Liability  $       (2,996)  $       (3,411)  $          (415) 14%
Net Worth  $    124,461  $    132,584  $        8,123 7%
Liquidation Value  $      99,079  $    106,875  $        7,795 8%

INCOME STATEMENT

Total operating expenses for the month abated to a more normal $4,882 for the month comapred with last month's skewed $6,468. Fueled by the gains from the SOTP, pro forma saving from ordinary operation raked in $5,407 for the month.

Investment income from actively-managed accounts are $1,182 for the month, and my vested options appreciated by $919.

BALANCE SHEET

There is no significant position change in the balance sheet. Most gains flew to the Savings, Brokerage and ESPP line. Outstanding loans continued to be high at around $5,000 due to my intention to fully exploit the 0% APR status of my ShareBuilder Visa card and the timing that each month end sees the most credit card balance. Tax liabilities went up a bit due to stock appreciations and SOTP.

INVESTMENTS

S&P 500 gained 5.1% to close at 1,112 in this month. My investments in OCA provides some relief after a disappointing November. Also, RJR posted a third monthly gain in a row.

Still, I'm keeping most of my 401(k) balance in money markets. I'm testing water in the ING International Value fund (NIIVX) to hedge the risk associated with the falling dollars.

December saw the end of yet another ESPP period. It is the first time since I become eligible that the period-start MSFT price is lower than the period-end price, making my ESPP gain more than accrued. The gains are recorded for the month, after taking necessary tax accrual.

IMPORTANT PERSONAL FINANCE ISSUES

- I finally purchased medical insurance for my parents visiting us for the next three months. The premium is $747.60 for two persons with $2,500 deductible and $500,000 limit. The insurance is from IMG Global. I discussed my comparison shopping experience in a prior post.

- As soon as the ESPP shares become available I will sell them. I do not want to risk waiting till the next earning release for a potential gain. I would rather hold on my gains and see cash.

- I will be pretty busy in the good part of January in my job but after that I will start to work on my 2003 tax return. At this moment I believe I have a good command of my tax liability -- I underpaid about $1,200. I should incur no penalty because I paid much less tax in the year of 2002.

This Post Has Received 28 Comments. Share Your Opinions Too.


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Depakote is contraindicated in clients recognized to have mitochondrial ailments induced by POLG mutations as well as youngsters under 2 years of age who are clinically suspected of having a mitochondrial disorder Contraindications (4)] Valproate-induced acute liver failing and liver-related propecia fatalities have actually been stated in clients with genetic neurometabolic syndromes induced by evolutions in the genetics for mitochondrial DNA polymerase γ (POLG) (e. g. We intended to make certain you can delight in all the bactrim pills various advantages online buying deals, and we make sure you will certainly have the ability to appreciate this possibility greatly. You could need a dosage modification or various other modifications will certainly have to ventolin be made to your treatment routine. No regular differences were demonstrated in between Arava mobic and the energetic comparators. 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Approaches typically used for the assay of tacrolimus consist of high cheap valtrex performance liquid chromatography with tandem mass spectrometric detection (HPLC/MS/MS) as well as immunoassays. Retin-A can be suggested order clindamycin online for the therapy of face pimples. Other brand names of this medicine might also be made use of for fine creases and rosacea. Viagra is the methotrexate ectopic first and most well-known medication made use of for the treatment of male impotence, additionally described as erectile disorder. To avoid that, see to it two hour pass in between an amount of cheap cymbalta Xenical and the vitamins recommended by your wellness care supplier. Propantheline a little delays and increases peak blood degrees of ranitidine, accutane possibly by delaying stomach emptying and transit time. Ramipril is practically completely metabolized to ramiprilat, which has diclofenac sod 75 mg around 6 times the ACE inhibitory tactics of ramipril, as well as to the diketopiperazine ester, the diketopiperazine acid, as well as the glucuronides of ramipril as well as ramiprilat, all which are inactive. It can also lessen the threat of creating buy methotrexate online bust cancer in some ladies. Our comparison page is risk-free and complimentary to make use of, so why not are a trustworthy albuterol drug store within just a few mins of your time?


AwSne7s2d Commented on October 21, 2015

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AwSnk5r4t Commented on October 22, 2015

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Fr[Udyolevoldokesy,2,4]4hi8p Commented on October 22, 2015

ACE preventions, seizure medicines, blood thinners, and diuretics must albuterol not be incorporated with Bactrim unless your physician knows. Arachnoiditis, meningitis, paraparesis/paraplegia, and also physical disruptions wellbutrin have happened after intrathecal administration (view WARNINGS: Neurologic). These are not all the possible negative effects of Pristiq. Inform your health care service provider regarding any side effect that bothers you or does cheap celebrex not go away. Do not bactrim ds cost change your dose or stop taking acarbose without very first talking to your doctor. Allopurinol is utilized for decreasing the levels of uric acid, xenical orlistat mastercard which adds to the disorders mentioned and should be kept under command. The manufacturer suggests that this medication ought to be made use of more help cautiously in nursing moms. Certain drugs may connect with birth command pills to make them much less effective in avoiding maternity or provera induce an increase in advance bleeding. It's suggested to make a checklist of any sort of prescription or non-prescription medications, along with organic supplements, minerals and vitamins you are presently taking and show to your doxycycline mono wellness care company to stay away from drug obstruction. Tadalafil (Cialis) is an anti-impotence medication that has actually been viagra utilized for long times to manage male impotence, likewise called erectile dysfunction. Ponstel could cause a boosted danger of serious and also often fatal belly abscess doxycycline and also blood loss. Senior patients may be at better risk. Xeloda is contraindicated in individuals regarding known irritation to capecitabine or to any of its buy effexor online parts. At 6 and 12 months postpartum there was no substantial hydrochlorothiazide difference in the portion of little ones which were breastfed between the progesterone and also Copper T teams. The independent result of increasing HDL-C or reducing TG on the augmentin danger of coronary as well as cardiovascular morbidity as well as death has actually not been established. Clomid is a fertility treatment that has been used for a lengthy time to cause ovulation in girls that generic for phenergan were not able to develop in the past. Those are thought about moderate side results of Deltasone, but if they linger or get aggravating, sildenafil you oil should allow your doctor find out about them. Antabuse (disulfiram) could be recommended by your medical professional nolvadex for the therapy of chronic addiction to alcohol. It works amoxicillin without prescription by thinning the blood and protecting against the embolism from forming and possibly obstructing the veins and canals. Clients must be managed by supportive as well as symptomatic treatment complying with avodart a NSAIDs overdose. If you are likewise on antibiotics, imatinib, conivaptan, isoniazid, antidepressants, antifungals, blood, heart or bosentan stress drugs, HIV/AIDS medicine, cimetidine or rifampin, your physician may decide you require a lesser amount of Viagra to stay clear of interactions buy antabuse online or higher dose of this medication to make certain it works in spite of the results of the other medicine. Cialis negative side effects are not numerous and have the tendency to vanish buy cheap levitra online soon alone. Orthostatic allopurinol hypotension was infrequently observed in medical trials with depressed individuals. If every little thing goes well (if you do not show any kind of irregular responses to the therapy, yet still do not buy ventolin get the complete perks of taking Viagra), your preliminary amount could require to be boosted. This is not a full listing of negative effects buy acyclovir as well as others may take place. It will help you manage migraine frustrations and ought to not be used for various other types. Before you start utilizing Cafergot, you will certainly have to keep in thoughts that the fact you have uncontrolled indocin very high blood pressure, a history of a heart strike or movement, breast discomfort, coronary artery disease, a history of cardiovascular disease or blood flow troubles will prevent you from using Cafergot, while such health care concerns as renal disease, very high blood pressure, liver illness, coronary artery illness, household history of coronary canal condition, hypertension, diabetic issues, higher cholesterol or breathing troubles will certainly need to be gone over with your medical professional, in addition to medicines like energizers, zileuton, winter or allergy medicines, nitroglycerin, oral contraceptive, diet medicines, blood stress medications, ADHD, nicotine or antidepressants. The most important ones buy zoloft without pres consist of the clinical problems you have and medicines you are making use of (or intending to be using). The results of Deltasone are based upon lessening irritation by stopping the element that prednixone tables for sale induces this sort of response. It is understood that grapefruit juice could conflict regarding the results of Tadalafil, while cigarette smoking and drinking alcohol could get worse some of the adverse effects are become threat elements order metformin medicine for establishing certain serious negative side effects.


Fr[Udyolevoldokesy,2,4]do4yj Commented on October 22, 2015

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If you do not discover any type of renovation after a year of taking Propecia - you could stop the therapy and look for a choice. Ocular negative effects of oral budesonide (the active ingredient consisted of in Pulmicort Turbuhaler) have more info included conjunctivitis, eye problem, and abnormal vision. Tadalis remains in the body for longer hrs amlodipine hydrochlorothiazide giving all the a lot more reasons for the people to take Tadalis as a 'remedy'. These medications included thyroid hormones, sedative hypnotics, non-steroidal anti-inflammatory brokers, benzodiazepines, and also levitra decongestants. Do lasix not quit making use of Requip or change your dose without initial talking to your medical professional. There were no prednisone noted damaging effects in pre as well as postnatal rats at 5-times the RHD. It's buy diclofenac important to keep in mind that also taking Acyclovir is not visiting make you much less infectious, due to the fact that this is not a cure for herpes rather compared to a therapy. As most drugs, Viagra has been stated buy albuterol to interact with other medicines. If you are older nexium than 65, need to take different medicines or have actually been identified with some wellness conditions, the duration of efficiency could be much shorter for you. John's wort as they should make your procedure much less effective augmentin 400 and reason hazardous negative side effects. Voltaren may also trigger belly albuterol or digestive tract blood loss, which could be deadly. The location where to buy erythromycin to which you are going to apply this solution needs to additionally be planned for the application - it's recommended to wash it with some mild cleansing soap and rub completely dry utilizing a towel. The total H. celebrex non prescription pylori obliteration prices, specified as adverse 13C-UBT for H. pylori ≥ 6 weeks from the end of the treatment are received the complying with table. Research studies in rats indicate buy lipitor that lisinopril goes across the blood brain obstacle poorly. Multiple doses of lisinopril in rats do not result in buildup in any sort of tissues. Premarin ought to not be made use of to stop cardiovascular disease, strokes, or dementia, because this medicine may in fact enhance your danger of developing cipro these disorders. The most common adverse negative effects are relevant to the alpha-adrenergic barring sildenafil results of clonidine. The dose generic albendazole of Lioresal depends on the symptoms being dealt with and is normally above the initial one recommended. Acomplia (rimonabant) is a special anti-obesity drug intended for xenical people with various other health issues that may end up being contraindications for utilizing various other treatments, such as diabetes and higher cholesterol levels. The negative side effects ampicillin mentioned are likely to be light and short-lived in many clients, while some patients will need to trying the help of their doctor to see if their adverse effects could be neglected or should be gotten rid of. This info does not endorse any type of medication as secure, efficient, or approved for dealing with any sildenafil individual or health condition. If you have hindered kidney feature, liver troubles, or a record of epilepsy, ensure your methotrexate cost doctor understands that prior to suggesting this medicine. The makers of these brands are not associated regarding and also do not supported the GSK team of business or antabuse its products. You certainly wish your on-line shopping to take you desyrel less effort and time, so why not check out an information source that you will make sure to cherish? Our comparison page is the best location to go if you are thinking regarding the ideal online pharmacy that could offer you common Prednisone and request for much less money compared to almost everywhere. There are dependable and helpful locations like that available, and we understand where to locate them. This is not buy nolvadex a full listing of negative side effects as well as others could happen. Cialis side results are typically moderate and feature flushing, dizziness, muscle pain, nasal stodginess, frustration, augmentin indigestion, pain in arms or legs, back discomfort, and vision modifications.


Gootj4c79 Commented on October 22, 2015

Inderal could be prescribed to protect against mobic breast pain, migraines and trembles, along with to address high blood stress and uncommon heart tempos. You will require to be utilizing Propecia for as buy clindamycin long as you wish to see the results of the procedure. Do not share your medication with other individuals to make sure cheap acyclovir they do not get risky negative side effects. Just before using this medication, tell your physician or pharmacist your clinical past, especially of: current movement, current blood loss in the where to buy zithromax online eye, kidney issues, current major surgical treatment, belly abscess. You propecia online are going to love this possibility to spend much less of your previous time whenever you have to obtain that Erythromycin, because we have a contrast page where you can discover a lot more about the most useful drug stores there can ever be for you. Erythromycin is a broad-spectrum macrolide anti-biotics used for a few microorganisms infections, consisting of eye infections, rheumatic fever, diphtheria, chlamydia, skin infections, Legionnaires' disease, listeriosis, syphilis, severe pelvic inflamed condition, intestinal buy diclofenac ameba infections or respiratory tract infections. Tetracycline is used for a specific duration, as often times a day as your alli where to buy doctor prescribed. The writers did not find signs or signs and symptoms of irritation to the cheap hydrochlorothiazide medicine. There are a lot of contraindications i found it for this medication, including irritation or an allergy to any one of the substances of this medicine. This disease can affect a broader assortment of vardenafil your various other health elements, inducing serious health issues that could be stayed clear of. Some researches utilized a tapering dose for the last days few of the routine to avoid a sudden come by milk supply after viagra medication discontinuation. Cialis is a popularly recommended oral treatment meant for guys with impotence (erectile disorder is a more clinical name for it propranolol though). Subgroup evaluations can cheap lipitor generic be tough to translate as well as it is not known whether these stand for true distinctions or chance effects. Older patients are much more sensitive to the results of Tadalafil and may need a reduced amount zoloft to benefit from the treatment without getting any sort of side impacts. One hundred patients 65 albendazole years or older were consisted of in the US as well as non-US controlled professional trials of Pulmicort TURBUHALER. Lipid-lowering drugs offer no benefit during maternity, due to the fact that cholesterol levels and also cholesterol levels derivatives are needed for regular fetal development. Atherosclerosis is a chronic azithromycin online process, and discontinuation of lipid-lowering drugs while pregnant ought to have little effect on long-lasting end results of primary therapy. The complying with medications have actually been mentioned to induce interactions with Levitra: conivaptan, HIV/AIDS medications, heart or blood stress medicines, anti-biotics, antifungal medicines, isoniazid, heart tempo medications, medicines to manage hypertension, diclofenac, imatinib, and antidepressants. Tell your medical provider if you have Peyronie's disease, liver, heart, or renal system illness, movement, reduced or very high blood tension, cardiac arrest, diabetes, cavernosal fibrosis, breast pain, abscess in the tummy or intestine, blood cell issues, uneven heartbeat, higher cholesterol, or bleeding condition. Any one of those disorders could require a dosage cephalexin change to see to it your treatment is effective and you are not likely to create any kind of preventable negative side effects. Drowsiness is generally short-lived and also might disappear in a couple of days of continuous therapy or upon decrease of the dose. Uncontrolled electric motor activity including uncommon circumstances of trembling as well as convulsions have actually been stated, usually with dosages clomid substantially above those advised. Scientifically significant breathing depression has not been reported at advised dosages. Some generally mentioned negative effects that commonly disappear on their own consist of lightheadedness, blurred eyesight, irregularity, diarrhea or stomach cialis discomfort. What can I do to reduce my possibilities of obtaining a major adverse effects with Aygestin where buy indocin (indomethacin): (norethindrone acetate tablets, USP)? The following health and wellness problems will probably make your physician search for a different technique of therapy for you: hindered kidney feature, a record of epilepsy, or liver troubles. Particular drugs you are taking could disrupt the methotrexate impacts of Zimulti. You cymbalta will certainly have to ensure your disorder is overseen throughout the period of the treatment to see to it you do not develop any avoidable negative effects. These homes make Tulsi an intriguing item for all professional athletes. ventolin Among the numerous perks of Holy Basil is that it can also boost resistance hence holding a powerful healthiness promotion as well as condition avoidance influence. This is not a total celebrex buy listing of negative effects and others might take place. Tell your physician about any kind of unusual or aggravating negative side effects. Before starting therapy with methotrexate cost CLOZARIL, obtain a complete blood count (CBC) with differential. The misoprostol acid focus in bust milk declined to doxycycline hyclate 1 pg/ml at 5 hours post-dose. Do not begin taking any type of other prescription buy doxycycline online or non-prescription drugs without previously consulting you doctor. Topiramate was sensed in medication allopurinol breastmilk at a focus of 5.3 mg/L at an undefined time relative to the dosage. You must speak regarding your medical care supplier for total information regarding the risks and also perks of amoxicillin utilizing Viramune. John's wort, is clinically necessitated, allopurinol understand a potential raised danger for serotonin disorder, particularly during therapy initiation and also dosage increases.


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If you are taking antifungals, heart or blood stress medications, rifampin, antidepressants, cimetidine, diclofenac, bosentan, isoniazid, HIV/AIDS medication, or any type of prescription antibiotics, review with your physician the opportunity of combining diclofenac these meds with Viagra and whether you will certainly have the ability to have your dose enhanced if you do not feel any kind of benefits of the procedure. Table 4 reveals the percent of grown-up people with modifications in overall cholesterol, triglycerides, LDL-cholesterol and HDL-cholesterol diclofenac sodium 75mg from standard by sign in professional tests with Seroquel. Tadalafil is among the 3 most popular medications utilized to get rid of erectile dysfunction vermox online (male impotence). Colchicine: xenical The prospective boost in plasma attentions of colchicine when coadministered with Nizoral ® Tablets could raise the danger of potentially fatal unfavorable occasions. Certain wellness problems can make generic elimite it difficult for you to take Cialis or your dose will certainly should be readjusted. In situation this medicine is utilized to buy cymbalta online manage asthma, it could be suggested for youngsters from 4 to 11. Do not start or quit other medications without speaking to your healthcare advair company. Zimulti (rimonabant) is an anti-obesity medication manufactured by the Sanofi-Aventis generic methotrexate business. Baseding on the results of a clinical research, Zimulti represents an ingenious strategy to handling a lot of cardiometabolic threat aspects and provides steady lead to most clients. Take the medicine daily systematically and propecia online cheap incorporate each consumption with mindful monitoring of your everyday diet regimen strategy to avoid consuming fatty and sugar consisting of products. One situation of erythema multiforme as well as one situation of doxycycline online for dogs sensitive reaction (swelling of lips as well as hives throughout the body) were verified by rechallenge. Those people will likewise have to make certain they report the following effects as soon as possible: abdominal discomfort, throwing up, generic advair flushing, obscured vision, aesthetic places, nausea or flashes. Diflucan works by reducing the development of fungi and could also be used to stop yeast infections in patients being addressed with radiation or chemotherapy. Mild side effects prevail when you initially begin baclofen generic taking Diflucan, so there is no should stress over them. Zyban can cause major negative effects. See the sections at the beginning of this Medication Guide buy ampicillin for info concerning severe side impacts of Zyban. This medicine works for the client as long as it is taken as suggested and the baclofen source of the trouble depends on insufficient blood circulation to the tissues of the penis. Some medications can increase or lower your blood degrees of home carbamazepine, which might make or induce side impacts Tegretol less reliable. Your medical professional may advise a various amount if you have diabetic issues, generic nolvadex mental ailments, kidney disease, liver disease, thyroid condition, seizure ailment or mind damages. Hematologic negative effects consisting of leukopenia, porphyria, agranulocytosis, as well as neutropenia have actually been reported where can i buy albendazole rarely. Clients must be notified wellbutrin 150 xl of the belowing details just before starting therapy with an NSAID as well as regularly throughout the course of continuous treatment. Individuals must also be motivated to review the NSAID Medication Guide that accompanies each prescription gave. Allopurinol is a therapy for patients with buy propecia online cheap hyperuricemia, coronary infarction, cardiothoracic surgical procedure, frenzy related to hyperuricemia or responsive perforating collangenosis. You will usually have to use a thin layer of the medicine in the night, regarding an hour prior to buying prednixone for animals going to sleep. You hydrochlorothiazide without a prescription must not combine Kamagra with nitrates, letting your physician know if you are already taking imatinib, cimetidine, specific anti-biotics, heart medicine, isoniazid, bosentan, HIV/AIDS medicine, higher blood tension medicine, antidepressants or conivaptan, to stay clear of communications. It's normally advised to allow your skin helpful hints "remainder" between the medications stated. Acomplia has been mentioned to obstruct rather some medicines you could erythromycin be taking, so you will have to state any one of the following ones to your wellness treatment service provider: rifampicin, St. This is why it's so crucial to listen closely to all mobic 7.5 mg tablet the instructions of your healthcare provider and follow them.


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