My Personal Finance Journey

Personal finance observation, musing and decisions in a journey toward financial independence by 2020 with at least $3 million.


By Topics

Overall:
0. About (10)
1. My Progress (139)
2. Car & Home (107)
3. Credit (138)
4. Banking (33)
5. Saving (49)
6. Investing (308)
7. Taxes (89)
8. Spending (74)
9. Misc (97)
A. Archive (49)



MONTHLY ARCHIVE

Feb 2014 (3)
Jan 2014 (6)
Jan 2012 (1)
Apr 2011 (1)
Mar 2011 (1)
Feb 2011 (1)
Jan 2011 (1)
Dec 2010 (1)
Oct 2010 (1)
Sep 2010 (1)
Aug 2010 (1)
Jul 2010 (1)
Jun 2010 (1)
May 2010 (1)
Apr 2010 (1)
Mar 2010 (6)
Feb 2010 (2)
Jan 2010 (7)
Dec 2009 (3)
Feb 2009 (4)
Jan 2009 (8)
Dec 2008 (1)
Jun 2008 (2)
May 2008 (2)
Apr 2008 (5)
Feb 2008 (3)
Jan 2008 (15)
Dec 2007 (32)
Nov 2007 (6)
Oct 2007 (8)
Sep 2007 (9)
Aug 2007 (24)
Jul 2007 (2)
Jun 2007 (1)
May 2007 (3)
Apr 2007 (4)
Mar 2007 (4)
Feb 2007 (13)
Jan 2007 (6)
Dec 2006 (3)
Nov 2006 (7)
Oct 2006 (7)
Sep 2006 (6)
Aug 2006 (4)
Jul 2006 (10)
Jun 2006 (1)
May 2006 (3)
Apr 2006 (2)
Mar 2006 (6)
Feb 2006 (6)
Jan 2006 (3)
Dec 2005 (1)
Nov 2005 (9)
Oct 2005 (8)
Sep 2005 (13)
Aug 2005 (25)
Jul 2005 (16)
Jun 2005 (17)
May 2005 (19)
Apr 2005 (20)
Mar 2005 (24)
Feb 2005 (23)
Jan 2005 (36)
Dec 2004 (40)
Nov 2004 (34)
Oct 2004 (17)
Sep 2004 (21)
Aug 2004 (59)
Jul 2004 (37)
Jun 2004 (31)
May 2004 (29)
Apr 2004 (52)
Mar 2004 (49)
Feb 2004 (49)
Jan 2004 (31)
Dec 2003 (48)
Nov 2003 (52)
Oct 2003 (29)
Sep 2003 (8)
Aug 2003 (5)
Jul 2003 (2)
Jun 2003 (2)
May 2003 (5)
Apr 2003 (2)
Mar 2003 (2)
Feb 2003 (3)
Jan 2003 (29)



 

Monthly Update - May 2014 ($1,705,013, +$15,050)

Contributed by mm | June 8, 2014 5:34 PM PST

With another five-figure increase in the month of May, our net worth breached $1.7M for the first time. In the trailing 12 months, we grew our net worth by $197K, or 13.1%.

Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below:

6446-networth.jpg

With no significant one-off spending, we saved about $3,500 from our earned income. In the first five months of the year, we saved about $15K, or 23% of our take-home income.

More prominently, our investments fared well this month. Our $400K-strong USD-denominated portfolio gained another $3,500 thanks to a record-making stock market, and our CNY-denominated portfolio, now approaching $940K, gained $6,500 thru some rather safe investments. For the first five months combined, our portfolio delivered almost $49,000 returns.

Even the Chinese Yuan foreign exchange rate, which caused some serious pain to our net worth in the past four months, has reversed its direction and contributed to a small $1,300 paper gain. On a year-to-date basis though, it still burned a $31,000 hole in our net worth when reported in USD.

A side note on the high credit card loan balance: quite some balance is due to manufactured spending to meet initial spending needs to qualify for certain credit card bonuses. Since we bought our house (and no longer need a pristine credit score), we have been applying one or more cards every month to take advantage of some good sign-up bonus deals usually at $400-600 a pop or even more. In 2013, we received over $4,000 of such sign-up bonuses in the form of cash or mileage points. In 2014 so far, we have logged over $5,000 and the number is still growing. We also always pay off credit card balance every month and cancel cards with annual fee before the first anniversary. It is serious side income now :-)

One more update: we closed the HELOC with a credit limit of $140K with an outstanding interest rate of 3.75%. I don't expect to touch it any time soon and will let it serve as a cheap backup credit facility for now. One more reason to sell our credit scores for some easy bonuses.

This Post Has Received 13 Comments. Share Your Opinions Too.


Chris M Commented on June 8, 2014

Great update once again....been with you for years!


Ed Commented on June 10, 2014

Question - I assume any tax deferred investments reside within the Cash and Investments line on your balance sheet. Does the 3500 saving in the current month include tax deferred savings? Just wondering, as you also state that you have saved 15K YTD, 23% of take home pay. Do you include tax deferred savings in "take home pay"?


MM Commented on June 11, 2014

Thank you Chris!

Ed, I understand what you are asking. Yes, I included 401(k) contribution in the calculation. Technically it's not take home pay ... I should say "after tax income" to be more accurate.


MichaelNub Commented on June 26, 2017

wh0cd888865 augmentin Generic Advair Diskus generic cialis


Dorisstymn Commented on July 14, 2017

Absolutely NEW update of SEO/SMM package "XRumer 16.0 + XEvil":
captcha solution of Google, Facebook, Bing, Hotmail, SolveMedia, Yandex,
and more than 8400 another subtypes of captchas,
with highest precision (80..100%) and highest speed (100 img per second).
You can connect XEvil 3.0 to all most popular SEO/SMM programms: XRumer, GSA SER, ZennoPoster, Srapebox, Senuke, and more than 100 of other software.

Interested? You can find a lot of impessive videos about XEvil in YouTube.
Good luck!


XRumer201707


Dorothylow Commented on July 18, 2017

Absolutely NEW update of SEO/SMM package "XRumer 16.0 + XEvil 3.0":
captchas regignizing of Google, Facebook, Bing, Hotmail, SolveMedia, Yandex,
and more than 8400 another size-types of captchas,
with highest precision (80..100%) and highest speed (100 img per second).
You can connect XEvil 3.0 to all most popular SEO/SMM software: XRumer, GSA SER, ZennoPoster, Srapebox, Senuke, and more than 100 of other software.

Interested? You can find a lot of impessive videos about XEvil in YouTube.
See you later ;)


XRumer20170718


20170721 yueqin Commented on July 20, 2017

http://www.nikeair-max.org.uk
http://www.fake-rolex.us
http://www.fendihandbags.us
http://www.michaelkorshandbags-outlet.us.org
http://www.columbiashoes.name
http://www.michaelkorsoutletonlineclearance.in.net
http://www.coachfactoryoutletstore.in.net
http://www.coachoutletstore-online.us.com
http://www.airmax90nike.us
http://www.adidasshoes.us
http://www.birkenstocks.us
http://www.kate-spadeoutlets.us.com
http://www.michaelkors-outlet.ca
http://www.cheapjordans.com.co
http://www.coachoutlet.in.net
http://www.pandorajewelryoutlet.in.net
http://www.outletnike.us
http://www.uggs.net.co
http://www.guccioutlets.us.org
http://www.uggsoutlets.in.net
http://www.fit-flopssaleclearance.us.com
http://www.ralphlauren-outletonline.us.com
http://www.ralph-laurenuk.org.uk
http://www.nikefreerun.name
http://www.adidasyeezyboost-350.us
http://www.christianlouboutinshoes.us.org
http://www.chiflatiron.in.net
http://www.danskoshoes.us.com
http://www.coachoutletsonlines.us.com
http://www.ralphlaurensaleclearance.org.uk
http://www.dansko-outlet.us
http://www.coach-outletonlines.us.com
http://www.michaelkorsoutlet.co.uk
http://www.fitflopssalesclearance.us.com
http://www.oakleyvaultsunglassesoutlet.us.com
http://www.pandorasoldes.fr
http://www.michaelkorsofficial.us
http://www.ralph-laurenoutlet.me.uk
http://www.yeezyboost.us.com
http://www.hermesbirkin.in.net
http://www.coachfactoryonlineoutlet.com.co
http://www.underarmourshoes.us
http://www.officialcoachfactoryoutlet.eu.com
http://www.monclerjacketsuk.org.uk
http://www.mulberryoutlet.org.uk
http://www.michael-korsoutlet.ca
http://www.todsoutlet.us
http://www.oakley--sunglasses.us.org
http://www.kevindurantshoes.us
http://www.poloralph-lauren.fr
http://www.raybansunglasses.net.co
http://www.coachoutletonlinecoachfactoryoutlet.us.com
http://www.celineoutlet.us
http://www.denverbroncosjerseys.us
http://www.kate-spadeoutlet.us.com
http://www.louboutin-paschers.fr
http://www.red-bottoms.us.com
http://www.yeezyboost-350.co.uk
http://www.true-religion.us.com
http://www.longchampoutletstore.com
http://www.michael-korsoutlet.us.com
http://www.airjordan-uk.org.uk
http://www.officialmichaelkors.us.com
http://www.oakley.nom.co
http://www.cheapraybansunglassesofficial.us.com
http://www.coachcanadaoutlet.ca
http://www.miamiheatjerseys.us
http://www.coach-outlet.in.net
http://www.moncler-outlet.us.com
http://www.adidas-nmd.me.uk
http://www.christianlouboutinshoesoutlets.us.com
http://www.coachoutlets.us.org
http://www.louis-vuitton-handbags.us.org
http://www.louisvuitton-outlet-online.us.com
http://www.kate-spadehandbags.us
http://www.coachoutletstoreonlineclearances.in.net
http://www.toryburchoutletonline.com.co
http://www.ralph-laurenoutlet.com.co
http://www.cheapnfl-jerseyswholesale.us.com
http://www.valentino.in.net
http://www.coachoutletcoachfactoryoutletonline.us.com
http://www.tomsshoesoutlet.in.net
http://www.rolex-replicawatches.com.co
http://www.pandora-jewelry.org.uk
http://www.sac-michaelkors.fr
http://www.coachfactoryoutletsonlines.us.com
http://www.hollisterclothingstore.us
http://www.levisjeans.name
http://www.nfljerseyscheapwholesale.us.com
http://www.adadassuperstar.com
http://www.coachoutlets.in.net
http://www.seattleseahawksjerseys.us
http://www.michaelkorsoutletclearance.in.net
http://www.nikefreeflyknit.name
http://www.ultraboost.us
http://www.fitflops.org.uk
http://www.ralphlaurensaleclearance.me.uk
http://www.raybans.org.uk
http://www.adidasnmd-shoes.us
http://www.mbtshoes.org.uk
http://www.mont-blanc.in.net
http://www.cheapraybans.com.co
http://www.timberlandbootsoutlet.us
http://www.yeezy-boost350v2.us
http://www.onlinecoachfactoryoutlet.us.com
http://www.coach-factoryoutlet-online.us.com
http://www.adidasyeezyshoes.us.com
http://www.jameshardenshoes.us.com
http://www.pandoracharms.us.com
http://www.adidas-shoes.me.uk
http://www.burberry-outlet-canada.ca
http://www.wwwlouisvuittonoutlet.us.com
http://www.adidassuperstar.me.uk
http://www.mbtshoes.name
http://www.airmaxoutletsaleus.com
http://www.longchamphandbags.me.uk
http://www.jordanretro.name
http://www.michaelkors-handbags.us.org
http://www.hermes-handbags.us
http://www.cheapjordan-shoes.in.net
http://www.ralphlaurenuk.me.uk
http://www.pandora-bracelet.us
http://www.outletlongchamp.us
http://www.mulberry-bags.me.uk
http://www.adidasnmd.us.org
http://www.michaelkors-mkoutlet.in.net
http://www.clevelandcavaliersjerseys.us
http://www.louisvuittonoutletus.us.com
http://www.yeezyboost350.me.uk
http://www.doudounemonclerpascher.fr
http://www.moncleroutlet.in.net
http://www.cheapmlbjerseys.us
http://www.longchampbagsuk.me.uk
http://www.true-religionjeansoutlet.us.com
http://www.cheapjerseys.eu.com
http://www.christianlouboutinshoes.in.net
http://www.pandorajewelryoutlet.name
http://www.outletlouisvuitton.us.com
http://www.storenike.fr
http://www.pandoracharmsuk.uk
http://www.pandora-uk.me.uk
http://www.saclongchampsolde.fr
http://www.pandoracharms.name
http://www.cheapmlbjerseyswholesale.us.com
http://www.birkenstockpascher.fr
http://www.coachoutletstoreonline.com.co
http://www.mulberryhandbags.me.uk
http://www.uggsoutlets.com.co
http://www.christianlouboutinoutlet.us
http://www.cheapjordanshoes.us.com
http://www.poloralph-lauren.in.net
http://www.pandoracharms.com.co
http://www.pandora-bijoux.fr
http://www.michaelkorsfactoryoutletsale.us.com
http://www.saclongchamppas-cher.fr
http://www.ralphlaurenoutlet.us.org
http://www.nike-airmax90.me.uk
http://www.nike-store.us.com
http://www.adidas-superstar.fr
http://www.ysl-handbags.us
http://www.christian-louboutin.us.com
http://www.cheapjordans-shoes.us.com
http://www.monclerjackets-uk.co.uk
http://www.goldenstatewarriorsjerseys.us
http://www.coachfactory-outletonlines.us.com
http://www.cheaprolexreplicawatches.us
http://www.airmax90.org
http://www.pandora-outlet.us.com
http://www.longchamphandbags.us
http://www.cheapjordans.us.com
http://www.coachfactory-outletstore.us.com
http://www.gucci--borse.it
http://www.fitflopssaleclearancewholesale.us.com
http://www.katespadehandbags.org.uk
http://www.pradaoutlets.us
http://www.jimmychoo.in.net
http://www.mbtshoes.in.net
http://www.supra-shoes.us
http://www.pandora.us.com
http://www.raybanssunglasses-cheap.us.com
http://www.pandora-charms.us.org
http://www.nikeairmax-pascher.fr
http://www.outletmichaelkors.us.com
http://www.toryburchoutlets.us
http://www.mlbjerseys-cheap.us.com
http://www.pandoracharmssaleclearance.me.uk
http://www.adidasnmd.org.uk
http://www.michaelkorshandbagsuk.org.uk
http://www.houstontexansjerseys.us.com
http://www.fitflopssandals.us.com
http://www.ralphlaurenoutletonlines.us.com
http://www.poloralphlaurencanada.ca
http://www.true-religionjeansoutlet.in.net
http://www.louboutin.org.uk
http://www.katespadehandbags.us.com
http://www.rolexreplica-watches.us.com
http://www.birkenstocksandals.org.uk
http://www.ralphlauren.net.co
http://www.adidas-superstar.us.com
http://www.nikestoreuk.me.uk
http://www.hermesoutletonline.us
http://www.giuseppezanottioutlet.us
http://www.cheapoakleysunglassesofficial.us.com
http://www.birkenstockoutletstore.us.com
http://www.coach-outletonline.us.org
http://www.air-jordans.us.com
http://www.ecco-shoes.us
http://www.salomonshoesoutlet.us
http://www.swarovski-crystal.uk
http://www.swarovskicrystal.name
http://www.nikeoutletshoes.us
http://www.cheapoakleysunglassesonsale.us.com
http://www.michael-korshandbags.me.uk
http://www.tomsoutletstore.in.net
http://www.michaelkors-bags.me.uk
http://www.ralph-laurenuk.co.uk
http://www.polo-ralphlauren.us.com
http://www.michaelkorsoutlets.us.com
http://www.polooutletstoreonline.us.com
http://www.montblanc-pens.net.co
http://www.adidaspascher.fr
http://www.todsoutlet.name
http://www.longchamp-handbags.us
http://www.vansshoes.in.net
http://www.adidasshoes.name
http://www.dolceandgabbanaoutlet.com
http://www.coach-outlets.us.com
http://www.stephcurry-shoes.us
http://www.nikeroshe.us
http://www.yeezy-boost350v2.us.com
http://www.fitflopssaleclearanceofficial.us.com
http://www.nfljerseyscheap.in.net
http://www.edhardy-outlet.name
http://www.oakleyssunglassescheap.us.com
http://www.adidasoutlet.us.com
http://www.officialcoachoutlet.us.com
http://www.burberryoutlets.name
http://www.parker-pens.us.com
http://www.nikeoutletonline.us.com
http://www.birkenstockshoes.us.com
http://www.katespadeoutletonline.us.com
http://www.adidasshoes.me.uk
http://www.350yeezyboost.us.com
http://www.nikeoutlet.us.com
http://www.coachoutletonlineinc.us.com
http://www.adidastrainersuk.org.uk
http://www.adidas-nmd.us.com
http://www.redbottomshoes.in.net
http://www.coachfactoryoutlet-onlines.us.com
http://www.adidas-shoes.us.com
http://www.marcjacobshandbag.us.com
http://www.yeezyboost.org.uk
http://www.true-religionjeans.in.net
http://www.fredperrypoloshirts.us
http://www.discountoakleysunglassessale.us.com
http://www.toms.in.net
http://www.louboutin-shoes.us.com
http://www.adidas-outlet.us.com
http://www.valentinoshoesoutlets.us.com
http://www.pandoracharmssaleclearance.com
http://www.michael-kors-outletonline.us.com
http://www.christianlouboutinsale.us.org
http://www.yeezyboost-350.us.com
http://www.coachhandbagsoutlet.us.com
http://www.sac-longchamp-pliage.fr
http://www.airmax-95.us
http://www.dallas-cowboysjerseys.us
http://www.discountnikeshoessc.org
http://www.versaceshoes.in.net
http://www.airjordanretro.us
http://www.nikeshoes.us.com
http://www.2017nikeairmax.us
http://www.clarksshoes.us.com
http://www.hermesbag.us.com
http://www.newenglandpatriots-jerseys.us
http://www.longchampbags.uk
http://www.catshoes.us.com
http://www.coach-factoryoutletonline.us.org
http://www.birkenstocksandals.name
http://www.coachoutletstoreinc.us.com
http://www.coachoutletcanada.ca
http://www.clarks-shoes.us
http://www.salomon-shoes.name
http://www.ugg.in.net
20170721yueqin



ArleneMax Commented on July 21, 2017

Revolutional update of SEO/SMM software "XRumer 16.0 + XEvil 3.0":
captcha recognition of Google, Facebook, Bing, Hotmail, SolveMedia, Yandex,
and more than 8400 another subtypes of captcha,
with highest precision (80..100%) and highest speed (100 img per second).
You can connect XEvil 3.0 to all most popular SEO/SMM programms: XRumer, GSA SER, ZennoPoster, Srapebox, Senuke, and more than 100 of other programms.

Interested? You can find a lot of introducing videos about XEvil in YouTube.
Good luck ;)


XRumer20170721


ArleneMax Commented on July 22, 2017

Absolutely NEW update of SEO/SMM software "XRumer 16.0 + XEvil":
captchas regignizing of Google, Facebook, Bing, Hotmail, SolveMedia, Yandex,
and more than 8400 another subtypes of captchas,
with highest precision (80..100%) and highest speed (100 img per second).
You can connect XEvil 3.0 to all most popular SEO/SMM programms: XRumer, GSA SER, ZennoPoster, Srapebox, Senuke, and more than 100 of other software.

Interested? You can find a lot of introducing videos about XEvil in YouTube.
Good luck!


XRumer20170721


FlossieNah Commented on July 25, 2017

Revolutional update of SEO/SMM package "XRumer 16.0 + XEvil 3.0":
captcha solving of Google, Facebook, Bing, Hotmail, SolveMedia, Yandex,
and more than 8400 another subtypes of captchas,
with highest precision (80..100%) and highest speed (100 img per second).
You can connect XEvil 3.0 to all most popular SEO/SMM software: XRumer, GSA SER, ZennoPoster, Srapebox, Senuke, and more than 100 of other programms.

Interested? You can find a lot of impessive videos about XEvil in YouTube.
Good luck!


XRumer20170725


FlossieNah Commented on July 25, 2017

Absolutely NEW update of SEO/SMM software "XRumer 16.0 + XEvil":
captchas regignizing of Google, Facebook, Bing, Hotmail, SolveMedia, Yandex,
and more than 8400 another subtypes of captcha,
with highest precision (80..100%) and highest speed (100 img per second).
You can connect XEvil 3.0 to all most popular SEO/SMM programms: XRumer, GSA SER, ZennoPoster, Srapebox, Senuke, and more than 100 of other software.

Interested? There are a lot of introducing videos about XEvil in YouTube.
See you later ;)


XRumer20170725


Antoshkafen Commented on July 25, 2017

Greetings!

Best resume and cover letters templates.

https://www.etsy.com/shop/ResumeX - Download resume templates in Words' doc-file with high print quality and creative forms, prepare a unique resume and get your dream job.

These docs editable templates created by professionals who realize what future employer look for.

Where to start?

STEP 1: Idea. Start by putting together the content of your cv. Bring into focus work experience, summary of qualifications, keywords and any other important info that makes a powerful resume. http://www.rawresume.com/ - “How to Make Up a Great CV” will take you through the whole game step by step.

STEP 2: Format chronological, functional or combination. Make sure you present your career in the layout that highlights your experience, knowledge, and skills the best thinkable way. See https://www.jmu.edu/cap/students/jobintern/resumes/format.shtml - “Choosing a Format” Guide by James Madison University to decide which format is the best for you.

STEP 3: Appearance. https://www.etsy.com/shop/ResumeX - Find the most beneficent template to ‘dress up’ your content. This page has different templates to choose from.

Bye!


FlossieNah Commented on July 25, 2017

Revolutional update of SEO/SMM software "XRumer 16.0 + XEvil":
captchas breaking of Google, Facebook, Bing, Hotmail, SolveMedia, Yandex,
and more than 8400 another types of captchas,
with highest precision (80..100%) and highest speed (100 img per second).
You can connect XEvil 3.0 to all most popular SEO/SMM programms: XRumer, GSA SER, ZennoPoster, Srapebox, Senuke, and more than 100 of other software.

Interested? There are a lot of introducing videos about XEvil in YouTube.
See you later ;)


XRumer20170725


Add Your Comments










Remember personal information?




(It will take a few moments for your comment to be published. Please do not close the window until then.)


Read More ... 152 Posts In The Same Category










This page was last rebuilt at July 25, 2017 06:30 PM PST. (362 Words)
 

RSS FEED





PERSONAL FINANCE BLOGS I READ

Consumerism Commentary
Get Rich Slowly
My Money Blog
All Financial Matters
The Simple Dollar






.



Copyright 2003-2014, PFBlog.com. All Rights Reserved. (Privacy Policy)