tag:blogger.com,1999:blog-88244419428930238662024-03-13T23:34:37.837-07:00Shtinkykat's PF BlogA 30-something chick's journey to happy spinsterdom and financial independence!Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.comBlogger354125tag:blogger.com,1999:blog-8824441942893023866.post-5931815869487539122020-09-16T19:26:00.003-07:002020-09-16T19:29:51.229-07:00Curve Balls<p>My sister was diagnosed with breast cancer today. Our suspicions were confirmed. </p><p>Just another reminder that life really does throw curve balls at you. </p><p>The silver lining to this pandemic is that my work schedule is very flexible right now. I can help my sister with her appointments and my mom with her errands more.</p><p>2020 is continuing to be a dumpster fire year.</p>Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com3tag:blogger.com,1999:blog-8824441942893023866.post-90661798014478395322020-09-14T17:55:00.004-07:002020-09-14T17:56:17.289-07:00Choosing Pain<p>I have this horrible personality defect where I would rather do <i>anything</i> other than what I'm supposed to be doing. I guess that's how I initially picked up running as a hobby - - I would rather do something I detested than do whatever task I had to do. </p><p>Running was also a distraction from my miserable life: I was now middle-aged; I was stuck in a horrible job where my employer didn't respect me, yet took advantage of my expertise; I was gaining weight and my health metrics were deteriorating; I suffered from insomnia. Running gave me a new goal and purpose in life. </p><p>Despite the numerous benefits I reaped from my new hobby (weight loss, better health metrics, better sleep), I still hate running. I wake up at an ungodly hour to run pre-dawn. Running also leaves me low-key exhausted and sore all the time. And I don't care what anyone says... running is HARD. It's hard on my body and my mind. But I run anyways because this is a pain that I choose to undergo; I tolerate the pain/misery of running because I <i>choose </i>to do so. When I choose to overcome laziness and lack of motivation, I am strengthening my mind and body to be prepared for any obstacles life will throw my way. I will have the confidence in knowing that if I can bear the pain of finishing a Marathon, I can overcome anything.</p><p>~~~~</p><p>At the beginning of this year, I made a couple of pretty dramatic changes to my finances: (1) I switched from contributing to a traditional pre-tax 401k to a Roth 401k and (2) I also started contributing beyond the annual 401k contribution limit because my company's 401k plan allows for after tax contributions into the traditional 401k with a <a href="https://www.betterment.com/resources/how-to-contribute-to-401k-after-tax/">mega backdoor Roth conversion</a>. </p><p>Just to illustrate the additional financial "pain" I've chosen to inflict upon myself, last year I contributed $18.8k into my traditional 401k. This year, I am on track to contribute $19,500 into my Roth 401k plus $12,450 after-tax contributions. (That's almost a 70% increase in my 401k contributions!)</p><p>These changes reduced my take-home pay by about 15% which was initially hard. But I've since adjusted, and to be frank, <a href="https://shtinkykat.blogspot.com/2020/09/thank-you-my-35-year-old-self.html">the pandemic has helped me reduce my spending considerably.</a> I also anticipate that my income tax bill will be higher come April 2021.</p><p>The catalyst for this change came about last year when I saw that in a couple of years, I will be eligible to contribute approximately $7500 extra into my 401k for the over-50 catch-up allowance. I freaked out. </p><p>After the initial freak out, I wondered to myself, if I was 50 now, would I be able to contribute the current catch-up limit of $6500? Around the same time, I learned that my Company allows for after-tax contributions with an in-service Roth conversion. That got me thinking, "Why don't I pretend I'm already 50 and contribute (beyond the $19.5k limit) on an after-tax basis up to $6500?" I took a deep breath and took the plunge.</p><p>Due to a serious miscalculation on my part, I ended up contributing almost double the rate of what I was planning on an after-tax basis. 😝 But by choosing to inflict this "pain" on myself, I discovered that I was capable of doing so much more than what I thought I could. Retirement savings is a metaphorical Marathon - - I choose pain now to get to the finish line faster.</p><p> </p>Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com1tag:blogger.com,1999:blog-8824441942893023866.post-2566746712372327192020-09-11T17:26:00.002-07:002020-09-11T17:29:30.387-07:00Thank You, My 35 Year Old Self<p>People often joke that their pandemic life isn't different much from their normal life. In many ways, this is true for me, but not completely. Like many people, I've reduced my spending considerably: I haven't traveled anywhere this year; I haven't purchased any new clothes for myself; I've put my gym and massage accounts on hold until next March; I haven't purchased gas for my car as often; and I haven't signed up for any races (10ks/half marathons/marathons). In essence, all my savings are in the non-essential, "want" categories. The spending on my "needs," i.e., housing, food, insurance and transportation (except gas), are all either flat or slightly up. </p><p>To be blunt, I'm living a life without much fluff and fun right now. And it reminds me when was I in the throes of student loan repayment hell. In my mid-30s, I had a <a href="http://shtinkykat.blogspot.com/2008/08/my-financial-awakening.html" target="_blank">Come-To-Jesus moment</a> when I came to the realization that I was drowning in debt. I made a commitment to attack my student loan and credit card debts the best I could. This meant implementing an austerity lifestyle which included, among other things, an <a href="http://shtinkykat.blogspot.com/2008/08/my-870-day-food-budget.html" target="_blank">$8.70/day food budget</a>. I remember being holed up in my dark, 1-bedroom apartment day after day, pitying myself for not having any money for fun, travel or shopping. Boy, those were some depressing days.</p><p>And now, I'm in my late 40s, quickly approaching 50. My life has considerably improved since then: I have at least 1 year's emergency fund saved, ~$740k in my retirement funds, own a rental property and live in a nicely furnished 2-BR condo in a posh neighborhood. My net worth (including real estate) is now over $1 million. </p><p>Unlike my mid-30s, I now have money to spend without digging myself into debt. But I've chosen not to spend for stuff out of my "want" categories to do a pause-and-reset of my finances. This is a <i>conscientious choice; </i>the Spartan lifestyle of my 30s was out of necessity. This makes a big difference psychologically and emotionally. </p><p>Ironically, frugality now feels like a luxury because I know the sacrifices will reap rich rewards down the road. Back in my 30s, I wasn't so sure the sacrifices would make any difference in my debt levels, which only fueled my anxiety and misery. Despite this, my 35 year old self soldiered on. So I am using this opportunity to thank my 35 year old self for taking that first step despite all of her misgivings, <a href="http://shtinkykat.blogspot.com/2009/05/my-creeping-inferiority-complex.html" target="_blank">FOMO and jealousy</a>. I hope to make my 65 year old future self just as proud.</p>Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com2tag:blogger.com,1999:blog-8824441942893023866.post-5671524720718697522020-08-18T07:07:00.000-07:002020-08-18T07:07:09.982-07:00Bummer - Layoffs Are Coming<p> Just got the news yesterday that layoffs have started at my company. Additionally, "some further assessments are ongoing." Translation: More layoffs coming our way. On the one hand, I am grateful I made great progress with my finances and that I am in relatively good condition to weather this storm right now. On the other hand, I would hate to have worked this hard only to take many steps backwards now.</p>Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com0tag:blogger.com,1999:blog-8824441942893023866.post-5115830133904749662020-08-15T11:22:00.001-07:002020-08-15T11:24:51.335-07:00Long Absence<p>Wow. It's been over 6 years since my last post. To be honest, my personal finances just went on autopilot after I bought my first home in January 2012. My personal finance situation at the time, although not ideal, was less dire than in my 30s. </p><p>What has happened since then? I fell off the austerity lifestyle wagon of my 30s and started living my life. I turned 40 in 2012. Started traveling more, eating at nicer restaurants and increased my standard of living while still living within my means. Hired a personal trainer and successfully ran my first 5k and 10k in 2016. Quit my miserable job and moved to another state in 2017 to start another job. Bought a second home and rented out my first. Ran my first 15k, half marathon and marathon in 2017. Paid off my student loans completely in 2018. Hired a running coach in 2019 and PR'd my half marathon in 2019. PR'd my third marathon in 2020, right before the pandemic. </p><p>When I look back at my financial struggles of my 30s and compare it to where I am today, I feel an overwhelming sense of accomplishment and satisfaction. In hindsight, I am glad I went through the struggles of my 30s. What felt like an immense, depression-inducing burden then, I now feel my student loan debt was a great character builder. </p><p>I am now at an age where my peers are starting to freak out about their own personal finances since our respective retirement horizons (voluntary or forced) are within sight. They are now contemplating the same lifestyle changes and sacrifices that I was forced to make in my 30s. Welcome to the club! 😉</p><p>So where am I now? I'm going to turn 50 in a couple of years! 😲 Based on the Millionaire Next Door formula, I am doing better than the Average Accumulator of Wealth (AAW) but am not a Prodigious Accumulator of Wealth (PAW). <u>Yet</u>. The next stage of my life will be all about catching up and accelerating my savings and paying down two (2) mortgages.</p><p></p>Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com1tag:blogger.com,1999:blog-8824441942893023866.post-50954368750585829132014-07-26T08:18:00.003-07:002014-07-26T08:28:16.912-07:00Milestones Towards Retirement To Keep in Mind<span style="font-size: small;"><span style="font-family: inherit;">US News and World Report has a pretty nifty slideshow titled, <a href="http://money.usnews.com/money/retirement/slideshows/9-important-ages-for-retirement-planning/1" target="_blank">9 Important Ages for Retirement</a>.</span></span><br />
<span style="font-size: small;"><span style="font-family: inherit;"><br /></span></span>
<span style="font-size: small;"><span style="font-family: inherit;">Of significant importance to me is Age 55 -- I can leave (or get shit-canned from) my job in the calendar year I turn 55 and still take 401(k) withdrawals from the retirement account associated with the job I left without having to pay the 10% penalty tax, according to IRS Code </span></span><!--[if gte mso 9]><xml>
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<![endif]--><span style="font-size: small;"><span style="font-family: inherit;"><span style="line-height: 115%;">72(t)(2)(A)(v). If I roll my 401k into an IRA, I have to wait until I'm 59 1/2 years old.</span></span></span><br />
<blockquote class="tr_bq">
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><span style="font-family: inherit;"><span class="enumbell">(t)</span> <b>10-percent additional tax on early
distributions from qualified retirement plans</b></span></span></div>
<span style="font-size: small;"><span style="font-family: inherit;">
</span></span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0in; text-indent: 0.5in;">
<span style="font-size: small;"><span style="font-family: inherit;">(1) <b>Imposition
of additional tax </b></span></span></div>
<span style="font-size: small;"><span style="font-family: inherit;">
</span></span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0in 1in;">
<span style="font-size: small;"><span style="font-family: inherit;">If any taxpayer receives any amount from a qualified
retirement plan (as defined in section <a href="http://www.law.cornell.edu/uscode/text/26/4974" title="§ 4974 - Excise tax on certain accumulations in qualified retirement plans"><span style="color: blue;">4974</span></a> <a href="http://www.law.cornell.edu/uscode/text/26/usc_sec_26_00004974----000-#c" title="(c)"><span style="color: blue;">(c)</span></a>), the taxpayer’s tax under this chapter for the
taxable year in which such amount is received shall be increased by an amount
equal to 10 percent of the portion of such amount which is includible in gross
income. </span></span></div>
<span style="font-size: small;"><span style="font-family: inherit;">
</span></span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><span style="font-family: inherit;"><br /></span></span></div>
<span style="font-size: small;"><span style="font-family: inherit;">
</span></span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0in; text-indent: 0.5in;">
<span style="font-size: small;"><span style="font-family: inherit;">(2) <b>Subsection
not to apply to certain distributions </b></span></span></div>
<span style="font-size: small;"><span style="font-family: inherit;">
</span></span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0in 1in;">
<span style="font-size: small;"><span style="font-family: inherit;">Except as provided in paragraphs (3) and (4),
paragraph (1) shall not apply to any of the following distributions: </span></span></div>
<span style="font-size: small;"><span style="font-family: inherit;">
</span></span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0in 0.5in; text-indent: 0.5in;">
<span style="font-size: small;"><span style="font-family: inherit;"><a href="https://www.blogger.com/null" name="t_2_A"></a>(A) <b>In
general </b></span></span></div>
<span style="font-size: small;"><span style="font-family: inherit;">
</span></span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0in 1in; text-indent: 0.5in;">
<span style="font-size: small;"><span style="font-family: inherit;">Distributions which are— </span></span></div>
<span style="font-size: small;"><span style="font-family: inherit;">
</span></span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0in 1in; text-indent: 0.5in;">
<span style="font-size: small;"><span style="font-family: inherit;">…</span></span></div>
<span style="font-size: small;"><span style="font-family: inherit;">
</span></span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0in 1.5in;">
<span style="font-size: small;"><span style="font-family: inherit;"><span class="enumbell">(v)</span> <span class="ptext-">made to an employee after
separation from service after attainment of age 55…. </span></span></span></div>
</blockquote>
<span style="font-size: small;"><span style="font-family: inherit;"><br /></span></span>
<span style="font-size: small;"><span style="font-family: inherit;">NOTE TO SELF: If I change jobs between now and when I turn 55, assuming that my new company's 401k is not completely craptastic, it would appear that rolling my 401k into my new company's 401k plan would be a better strategy than rolling it into an IRA.</span></span><br />
<span style="font-family: Times,"Times New Roman",serif;"><br /></span>
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<![endif]--><span style="font-family: Times,"Times New Roman",serif;"></span><br />Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com1tag:blogger.com,1999:blog-8824441942893023866.post-89263808223648028982014-07-19T07:47:00.001-07:002014-07-19T07:48:13.846-07:00Operation Retirement in Fourteen... Errrrr.... Fifteen Years Maybe?I'm already changing my mind about the timing of my retirement. I was pretty convinced that I would retire in fourteen years once I paid off my mortgage. I was thinking I could fulfill two dreams at once: burning my mortgage documents and quitting via cake.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhM0tE8WD5R8_IRYKYq0kmu2DNRJchYzpp6EFHUgAClk7wQQIaVktKyqOZDfxFiv8l61yXTNwktRhfN-Bmt8ffpFogNqIIZhpB6DIfiE0zpsULGHo_L_Av_7OQrXursjCP4SLLC-A3c7C8T/s1600/IQuitCake.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhM0tE8WD5R8_IRYKYq0kmu2DNRJchYzpp6EFHUgAClk7wQQIaVktKyqOZDfxFiv8l61yXTNwktRhfN-Bmt8ffpFogNqIIZhpB6DIfiE0zpsULGHo_L_Av_7OQrXursjCP4SLLC-A3c7C8T/s1600/IQuitCake.JPG" height="218" width="320" /></a></div>
<br />
But the more I thought about it, I think the better plan would be to retire in fifteen. I think I need the final year as a "test-run" to see what my true cost of living sans old major expenses would be and to plan for new major expense (e.g., health insurance, long term care insurance).<span style="font-family: "Arial","sans-serif";"><b> </b></span>I did some rudimentary math to see what my anticipated cost of living (assuming 4%/year inflation) might be compared to now.<br />
<br />
My monthly expenses currently run around $4,600/month. <br />
<br />
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<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; margin-left: -.25pt; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184; width: 236px;">
<tbody>
<tr style="height: 25.5pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td nowrap="" style="background: yellow; border: solid windowtext 1.0pt; height: 25.5pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Payee</span></b></div>
</td>
<td nowrap="" style="background: yellow; border-left: none; border: solid windowtext 1.0pt; height: 25.5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">2014</span></b></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 1;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>Credit Card </span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>520.00 </span></div>
</td>
</tr>
<tr style="height: 25.5pt; mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 25.5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>Cable + Cell + Massage </span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 25.5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>319.00 </span></div>
</td>
</tr>
<tr style="height: 42.0pt; mso-yfti-irow: 3;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 42.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>Monthly Living Expenses - Food, Gas,
Entertainment, Misc. </span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 42.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>800.00 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 4;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>DOE (Student Loans) </span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>360.00 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 5;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>Mortgage </span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>1,289.00 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 6;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">HOA I - Subdivision</span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>290.00 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 7;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">HOA II - Master Assoc</span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>30.00 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 8;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Bank of Mom </span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>225.00 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 9;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Prop Tax</span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>375.00 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 10;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Gas & Electric</span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>55.00 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 11;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>Life Insurance </span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>48.00 </span></div>
</td>
</tr>
<tr style="height: 25.5pt; mso-yfti-irow: 12;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 25.5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>Auto Home/Insurance </span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 25.5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>185.00 </span></div>
</td>
</tr>
<tr style="height: 25.5pt; mso-yfti-irow: 13;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 25.5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>EF </span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 25.5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>100.00 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 14;">
<td nowrap="" style="background: yellow; border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>TOTAL (Monthly) </span></b></div>
</td>
<td nowrap="" style="background: yellow; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>4,596.00 </span></b></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 15; mso-yfti-lastrow: yes;">
<td nowrap="" style="background: yellow; border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>TOTAL (Annual) </span></b></div>
</td>
<td nowrap="" style="background: yellow; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 62.0pt;" valign="bottom" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$ 55,152.00 </span></b></div>
</td>
</tr>
</tbody></table>
</div>
<br />
In 2029, I'm expecting my monthly expense will run about $5,290.91/month. It's a bit hard to foresee what other expenses I might have then that I don't have now. Hence, why I think an additional year in the workforce would be helpful.<br />
<br />
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<br />
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184; width: 238px;">
<tbody>
<tr style="height: 25.5pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background: yellow; border: solid windowtext 1.0pt; height: 25.5pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Anticipated Expenses</span></b></div>
</td>
<td nowrap="" style="background: yellow; border-left: none; border: solid windowtext 1.0pt; height: 25.5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.65pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: center;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">2029</span></b></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Healthcare</span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.65pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>742.85 </span></div>
</td>
</tr>
<tr style="height: 25.5pt; mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 25.5pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>Cable + Cell + Massage </span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 25.5pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.65pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>571.01 </span></div>
</td>
</tr>
<tr style="height: 42.0pt; mso-yfti-irow: 3;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 42.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Living Expenses</span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 42.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.65pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>1,432.00 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 4;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">LTC </span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.65pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>644.40 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 5;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">HOA I - Subdivision</span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.65pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>519.10 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 6;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">HOA II - Master Assoc</span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.65pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>53.70 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 7;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Prop Tax </span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.65pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>671.25 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 8;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Gas & Electric</span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.65pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>98.45 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 9;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Life Ins</span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.65pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>48.00 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 10;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Auto/Home Ins</span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.65pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>331.15 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 11;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">EF</span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.65pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>179.00 </span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 12;">
<td nowrap="" style="background: yellow; border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>TOTAL (Monthly) </span></b></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.65pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="background-color: yellow;"><b><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$<span style="mso-spacerun: yes;">
</span>5,290.91 </span></b></span></div>
</td>
</tr>
<tr style="height: 12.75pt; mso-yfti-irow: 13; mso-yfti-lastrow: yes;">
<td nowrap="" style="background: yellow; border-top: none; border: solid windowtext 1.0pt; height: 12.75pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 115.0pt;" valign="bottom" width="153"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>TOTAL (Annual) </span></b></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 12.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 63.65pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="background-color: yellow;"><b><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>$ 63,490.92 </span></b></span></div>
</td>
</tr>
</tbody></table>
<br />
<br />
My exercise above was to see whether I can live just of off the dividends I earn in my 401k, Roth IRA and traditional IRA. Assuming a 2% dividend yield (pretty much what I'm earning now) and an projected balance in my 401k of $1.4 million, I'll run out of funds in my 401k when I'm about 85 years old (taking into account I claim Social Security at age 72). If the dividend yield goes up to 3%, I'm golden indefinitely.<br />
<br />
This is a wake-up call that I need to get more serious about increasing my savings rates. ... And not getting fired in the mean time.<br />
<br />
<br />
<br />Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com2tag:blogger.com,1999:blog-8824441942893023866.post-62228589533407566362014-07-16T22:56:00.001-07:002014-07-16T23:05:35.491-07:00Long HiatusIt's been over a year and a half since my last post? I guess an update is warranted. When I started this blog six years ago, I was $126,000 in debt ($104k+ in student loans and $22k in cc and auto loan) and only had $125,000 in assets (of which the majority was my 401k and very little else). My finances have improved drastically since I started this blog and I'm currently on auto-pilot mode. I now have the luxury of not needing to monitor my every spending down to the penny anymore.<br />
<br />
I should be happy, right? But I'm miserable at my work. My employer has been firing one employee every couple of months for the past couple of years. <strike>I</strike> <strike>live</strike> Everybody at work lives in constant fear that <strike>I</strike> he or she will be next. I've now resolved that I want to retire by age 56. (That's 14 years away, BTW.) I'm sick and tired of living in a constant state of fear. <br />
<br />
I don't have any creative plans to achieve my goal other than to accelerate debt repayment and increase savings. My future posts will likely be sparse and limited to ideas towards achieving my retirement goal. This will be my last post re: my net worth update. <br />
<br />
<u><b><span style="font-size: 130%;">MY DEBT</span></b></u><br />
<br />
<div align="center">
<table border="1" style="border-collapse: collapse; border: medium solid; width: 75%;"><tbody>
<tr><td style="text-align: left; width: 40%;"><br /></td><td style="text-align: right; width: 30%;"><div align="left">
<b>Starting Debt </b></div>
</td><td style="font-weight: bold; text-align: left; width: 30%;">January 2013 </td><td style="text-align: left; width: 40%;"><b>June 2014 </b></td><td style="text-align: left; width: 40%;"><span style="font-size: 85%;"><b>DIFFERENCE</b></span></td></tr>
<tr><td style="text-align: left;"><span style="font-weight: bold;">Fed'l SL (06/08)</span></td><td><b style="font-weight: normal;">$55,852.68</b></td><td style="color: black; text-align: left;">$<span style="font-size: small;">48,31<span style="font-size: small;">8.04</span></span></td><td style="text-align: left;"><b>$<span style="font-size: small;">37,324.65</span></b></td><td style="font-weight: bold; text-align: left;"><span style="color: #38761d;">-$10,993.39</span></td></tr>
<tr><td style="text-align: left;"><span style="font-weight: bold;">Mortgage (1/6/12)</span></td><td><b style="font-weight: normal;">$274,000.00</b></td><td style="color: black; text-align: left;">$<span style="font-size: small;">268,607.81</span></td><td style="text-align: left;"><b>$<span style="font-size: small;">261,060.15</span></b></td><td style="font-weight: bold; text-align: left;"><span style="color: #38761d;">-$7,547.66</span></td></tr>
<tr><td style="text-align: left;"><span style="font-weight: bold;">Bank of Mom (1/6/12)</span></td><td><b style="font-weight: normal;">$68,500.00</b></td><td style="color: black; text-align: left;">$60,196.00</td><td style="text-align: left;"><b>$48,271.00</b></td><td style="font-weight: bold; text-align: left;"><span style="color: #38761d;">-$11,925.00</span></td></tr>
<tr><td style="text-align: left;"><span style="font-weight: bold;">CC (3/31/12)</span></td><td><b style="font-weight: normal;">$34,188.50</b></td><td style="color: black; text-align: left;">$26,582.84</td><td style="text-align: left;"><b>$4,400.00</b></td><td style="text-align: left;"><b><span style="color: #38761d;">-$22,182.84</span></b></td></tr>
<tr><td style="text-align: left;"><span style="font-weight: bold;">TOTAL</span></td><td><b style="font-weight: normal;">$476,414.00</b></td><td style="color: black; text-align: left;"><b><span style="font-weight: normal;">$40</span></b><span style="font-weight: normal;">3,704.69</span></td><td style="font-weight: bold; text-align: left;">$351,055.80</td><td style="font-weight: bold; text-align: left;"><span style="color: #38761d;">-$52,648.89</span></td></tr>
</tbody></table>
</div>
<br />
I sold $15k in company stocks to pay down my credit card debt but still had to transfer my credit card balance yet another time in February 2014. Fortunately, I did not incur any balance transfer fee and it is currently at 0% due to the <a href="https://creditcards.chase.com/credit-cards/slate.aspx" target="_blank">Chase Slate</a> balance transfer promotion. My 15 month promotional period will end some time in April 2015 but I plan to pay this balance off my this December.<br />
<br />
After my cc balance is paid off, my next line of attack is my student loan. I plan to pay this off by by March 2018.<br />
<br />
My "Bank of Mom" loan (i.e., my Dad's life insurance proceeds used towards the down payment of my condo) is not actually a loan but rather my setting aside money for the benefit of my mom, in the event she needs the money. I plan to repay the "loan" balance of $68,500 by March 2020. <br />
<br />
Finally, the mortgage (the last debt I hope to ever have to pay back) is expected to be paid off by August 2028 (i.e., 14 years from now).<br />
<br />
<u><b><span style="font-size: 130%;">SAVINGS</span></b></u><br />
<br />
<div align="center">
<table border="1" style="border-collapse: collapse; border: medium solid; width: 75%;"><tbody>
<tr><td style="text-align: left; width: 40%;"><b>JANUARY 2013 </b></td><td style="text-align: right; width: 30%;"><div align="left">
<b>JUNE 2014 </b></div>
</td><td style="font-weight: bold; text-align: right; width: 30%;">DIFFERENCE</td></tr>
<tr><td style="text-align: left;">$15,945.04</td><td><b>$17,824.50</b></td><td style="text-align: right;"><b><span style="color: #009900;">+$1,879.46</span></b></td></tr>
</tbody></table>
</div>
<br />
This category is a bit embarrassing since I haven't made much progress over the past year and a half. <br />
<br />
The savings I report here is with respect to my emergency fund only and
does not include my future spending earmarks. <br />
<br />
<u><b><span style="font-size: 130%;">MY ROP (LIFE INS) FUND</span></b></u><br />
<br />
<div align="center">
<table border="1" style="border-collapse: collapse; border: medium solid; width: 75%;"><tbody>
<tr><td style="text-align: left; width: 40%;"><b>JANUARY 2013</b></td><td style="text-align: right; width: 30%;"><div align="left">
<b>JUNE 2014 </b></div>
</td><td style="font-weight: bold; text-align: right; width: 30%;">DIFFERENCE</td></tr>
<tr><td style="text-align: left;">$2,646.83</td><td><b>$3,800.08</b></td><td style="text-align: right;"><b><span style="color: #009900;">+$1,153.25</span></b></td></tr>
</tbody></table>
</div>
<br />
<br />
<a href="http://shtinkykat.blogspot.com/2010/04/my-diy-rop-life-insurance-policy.html"><span style="font-weight: bold;">Long story short</span></a>,
I'm pretending to pay myself $55/month for a
"hypothetical" return of premium (ROP) term life insurance policy. (A
ROP policy pays back your premium at the end of the term if you outlive
the policy term.) Investopedia looked into whether ROP premiums are
worth it and it <a href="http://www.investopedia.com/articles/pf/08/return-of-premium.asp#ixzz2GXwQlvTc" target="_blank">concluded</a> that "for policy owners that can invest in tax-deferred or tax-free accounts
and are comfortable investing in the markets, a basic term policy
without the rider probably makes more sense."<br />
<br />
That is
exactly what I am doing: I bought a plain-vanilla term life insurance
policy and am putting the $55/month savings in my Roth. I've calculated
that I need an annual return of approximately 3.7% to make this
experiment worthwhile.<br />
<br />
I've paid $6,346 in premiums to
date and my ROP balance is $3,830.17. I've recouped 60.35% of my
premium. This experiment has a long-tail of 25 years remaining. It will be interesting if this pans out. <br />
<br />
<u><b><span style="font-size: 130%;">MY NET WORTH</span></b></u><br />
<br />
<div align="center">
<table border="1" style="border-collapse: collapse; border: medium solid; width: 75%;"><tbody>
<tr><td style="color: black; text-align: left; width: 40%;"><b>JANUARY 2013</b></td><td style="text-align: left; width: 30%;"><b>JUNE 2014</b></td><td style="font-weight: bold; text-align: right; width: 30%;">DIFFERENCE</td></tr>
<tr><td style="text-align: left;">$256,353.60</td><td style="color: black;"><b><span style="color: #009900;">$435,130.97</span></b></td><td style="text-align: right;"><b><span style="color: #009900;">$178,777.37</span></b></td></tr>
</tbody></table>
</div>
<br />
Not bad! I'm too lazy to update the details of my net worth but in case you're wondering, I've broken down the various sources of the increase:<br />
<ul>
<li>Almost $99,000 of the increase is due to my 401k performance, for which I can't take credit. (Thanks, irrational and crazy stock market!) </li>
<li>Approximately $52.6k of the increase is due to my debt reduction (see, above), for which I <i>will </i>take credit. </li>
<li>I gave myself an $18,000 bump in the increase of the value of my condo. According to Zillow, the increase in the value of my condo is actually closer to $50k+, but it's just paper value and is what I call "fluffy money." (Thanks, irrational and crazy California housing market!) I instead give myself an annual 5% increase in property value as a conservative estimate.</li>
<li> Approximately $4,000 of my net worth increase was due to the increase in my ESOP account. This may not seem too impressive at first blush but actually is, considering: I've contributed $15.3k towards my ESOP plan since January 2013 but sold $15k worth of company stock to help pay down some of my debt. </li>
<li>The remaining $5,000 increase is due to increase in my EF (see, above) and other miscellaneous increase in my IRA and savings bonds. </li>
</ul>
Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com0tag:blogger.com,1999:blog-8824441942893023866.post-47468947016504323832013-02-23T09:43:00.002-08:002013-02-23T09:43:58.215-08:00January 2013 Progress Report<div style="text-align: left;">
<span style="font-size: 130%;"><span style="font-size: small;">February has been a lousy month with my being sick and all. <span style="font-size: small;">Although it's almost the end of February, I though<span style="font-size: small;">t I ought t<span style="font-size: small;">o <span style="font-size: small;">provide my January 2013 <span style="font-size: small;">progress report.</span></span></span></span></span></span></span> <span style="font-size: small;">My <span style="font-size: small;">current debts are </span></span>331.66% my AGI, which is </div>
<span style="font-size: 130%;"><span style="font-size: small;"> </span></span><u><span style="font-size: 130%;"></span><b><span style="font-size: 130%;">MY DEBT</span></b></u><br />
<br />
<div align="center">
<table border="1" style="border-collapse: collapse; border: medium solid; width: 75%;"><tbody>
<tr><td style="text-align: left; width: 40%;"><br /></td><td style="text-align: right; width: 30%;"><div align="left">
<b>Starting Debt </b></div>
</td><td style="font-weight: bold; text-align: left; width: 30%;">Last Month</td><td style="text-align: left; width: 40%;"><b>This Month</b></td><td style="text-align: left; width: 40%;"><span style="font-size: 85%;"><b>DIFFERENCE</b></span></td></tr>
<tr><td style="text-align: left;"><span style="font-weight: bold;">Fed'l SL (06/08)</span></td><td><b style="font-weight: normal;">$55,852.68</b></td><td style="color: black; text-align: left;">$48,542.02</td><td style="text-align: left;">$<span style="font-size: small;">48,31<span style="font-size: small;">8.04</span></span></td><td style="font-weight: bold; text-align: left;"><span style="color: #38761d;">-$223.98</span></td></tr>
<tr><td style="text-align: left;"><span style="font-weight: bold;">Mortgage (1/6/12)</span></td><td><b style="font-weight: normal;">$274,000.00</b></td><td style="color: black; text-align: left;"><b><span style="font-weight: normal;">$</span></b><span style="font-weight: normal;">269,463.90</span></td><td style="text-align: left;">$<span style="font-size: small;">268,607.81</span></td><td style="font-weight: bold; text-align: left;"><span style="color: #38761d;">-$856.09</span></td></tr>
<tr><td style="text-align: left;"><span style="font-weight: bold;">Bank of Mom (1/6/12)</span></td><td><b style="font-weight: normal;">$68,500.00</b></td><td style="color: black; text-align: left;"><b style="font-weight: normal;">$</b>60,421.00</td><td style="text-align: left;">$60,196.00</td><td style="font-weight: bold; text-align: left;"><span style="color: #38761d;">-$225.00</span></td></tr>
<tr><td style="text-align: left;"><span style="font-weight: bold;">CC (3/31/12)</span></td><td><b style="font-weight: normal;">$34,188.50</b></td><td style="color: black; text-align: left;">$26,047.00</td><td style="text-align: left;">$26,582.84</td><td style="text-align: left;"><span style="color: red;">+$535.84</span></td></tr>
<tr><td style="text-align: left;"><span style="font-weight: bold;">TOTAL</span></td><td><b style="font-weight: normal;">$476,414.00</b></td><td style="color: black; text-align: left;"><b><span style="font-weight: normal;">$404,473.92</span></b></td><td style="font-weight: bold; text-align: left;">$403,704.69</td><td style="font-weight: bold; text-align: left;"><span style="color: #38761d;">-$769.23</span></td></tr>
</tbody></table>
</div>
<br />
The 0% promotional rates on of my credit cards expired and I couldn't pay off the $18,396 balance. I transferred the balance to another 0% offer with a 4% balance transfer fee which cost me $735.84. Hence, the negative development in my credit card balance this month. The 0% promotional rate on my other credit card will expire on October 31, 2013. I hope to pay that balance off without incurring yet another balance transfer fee.<br />
<br />
Other than my credit card balances, I'm on track with my other debts. <br />
<br />
<u><b><span style="font-size: 130%;">SAVINGS</span></b></u><br />
<br />
<div align="center">
<table border="1" style="border-collapse: collapse; border: medium solid; width: 75%;"><tbody>
<tr><td style="text-align: left; width: 40%;"><b>LAST MONTH </b></td><td style="text-align: right; width: 30%;"><div align="left">
<b>THIS MONTH </b></div>
</td><td style="font-weight: bold; text-align: right; width: 30%;">DIFFERENCE</td></tr>
<tr><td style="text-align: left;">$15,527.30</td><td><b>$15,945.04</b></td><td style="text-align: right;"><b><span style="color: #009900;">+$417.74</span></b></td></tr>
</tbody></table>
</div>
<br />
I borrowed $282 (net) from my EF to pay for my property tax in December. My EF is now fully reimbursed and I added an additional $135.74 in January.<br />
<br />
The savings I report here is with respect to my emergency fund only and
does not include my future spending earmarks. Currently, the total
amount in my liquid savings account is $21,284.23.<br />
<br />
<u><b><span style="font-size: 130%;">MY ROP (LIFE INS) FUND</span></b></u><br />
<br />
<div align="center">
<table border="1" style="border-collapse: collapse; border: medium solid; width: 75%;"><tbody>
<tr><td style="text-align: left; width: 40%;"><b>LAST MONTH</b></td><td style="text-align: right; width: 30%;"><div align="left">
<b>THIS MONTH</b></div>
</td><td style="font-weight: bold; text-align: right; width: 30%;">DIFFERENCE</td></tr>
<tr><td style="text-align: left;">$<b>2,584.63</b></td><td><b>$2,646.83</b></td><td style="text-align: right;"><b><span style="color: #009900;">+$62.20</span></b></td></tr>
</tbody></table>
</div>
<a href="http://www.blogger.com/blogger.g?blogID=8824441942893023866" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=8824441942893023866" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><br />
<br />
<a href="http://shtinkykat.blogspot.com/2010/04/my-diy-rop-life-insurance-policy.html"><span style="font-weight: bold;">Long story short</span></a>,
I'm pretending to pay myself $55/month for a
"hypothetical" return of premium (ROP) term life insurance policy. (A
ROP policy pays back your premium at the end of the term if you outlive
the policy term.) Investopedia looked into whether ROP premiums are
worth it and it <a href="http://www.investopedia.com/articles/pf/08/return-of-premium.asp#ixzz2GXwQlvTc" target="_blank">concluded</a> that "for policy owners that can invest in tax-deferred or tax-free accounts
and are comfortable investing in the markets, a basic term policy
without the rider probably makes more sense."<br />
<br />
That is
exactly what I am doing: I bought a plain-vanilla term life insurance
policy and am putting the $55/month savings in my Roth. I've calculated
that I need an annual return of approximately 3.7% to make this
experiment worthwhile.<br />
<br />
I've paid $4,628 in premiums to
date and my ROP balance is $2,646.83. I've recouped 58.98% of my
premiums and the annual return on my investments is currently 3.79%,
which is slightly above my target. <br />
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
<u><b><span style="font-size: 130%;">MY NET WORTH</span></b></u><br />
<br />
<div style="text-align: center;">
</div>
<div align="center">
<table border="1" style="border-collapse: collapse; border: medium solid; width: 75%;"><tbody>
<tr><td style="color: black; text-align: left; width: 40%;"><b>LAST MONTH</b></td><td style="text-align: left; width: 30%;"><b>THIS MONTH</b></td><td style="font-weight: bold; text-align: right; width: 30%;">DIFFERENCE</td></tr>
<tr><td style="text-align: left;">$241,536.92</td><td style="color: black;"><b><span style="color: #009900;">$256,353.60</span></b></td><td style="text-align: right;"><b><span style="color: #009900;">$14,816.68</span></b></td></tr>
</tbody></table>
</div>
<br />
The majority of the increase in my net worth came from increases in my 401k and investment accounts. <br />
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The history of my net worth can be found <a href="http://spreadsheets.google.com/pub?key=pnNyvaT41MMMUtNGv2EpmfA"><b>here</b></a>.Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com2tag:blogger.com,1999:blog-8824441942893023866.post-76859790670383620672013-01-11T07:07:00.002-08:002013-01-11T07:08:45.589-08:00Things I'll Start Buying With My FSA Money<div class="separator" style="clear: both; text-align: left;">
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I knew that starting 1/1/2011, a lot of stuff I previously bought using FSA money (OTC drugs) were no longer allowed without prescriptions. So for the past couple of years, I just used my FSA money to pay for co-pays, co-insurance, contact lens stuff and other health equipment. <br />
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I looked carefully at a similar list of <a href="http://www.fordham.edu/images/campus_resources/admin_offices/hr/cigna%20eligible%20&%20ineligible%20fsa%20expenses.pdf" target="_blank">eligible and ineligible items</a> yesterday and I was surprised at some of the stuff that are covered without a doctor's note:</div>
<ul style="text-align: left;">
<li>Hand sanitizer</li>
<li>Hot creams (hot pads and hot patches included as well)</li>
<li>Toilet seat covers</li>
<li>Sunscreen with SPF 30+ </li>
<li>Vent cleaning (Expenses paid for the cleaning of your home's vent system. The customer's explanation of necessity is required.)</li>
<li>Parking fee or bus fare incurred for medical care.</li>
</ul>
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I was also issued a FSA debit card for the first time this year. When I spoke with a CIGNA representative yesterday, she advised that if I buy any of those items at general stores like Walmart or Target, to buy those items items: (1) separately from non-eligible items and (2) at the pharmacy counter.<br />
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I'm going to try to push the envelope by submitting my <a href="http://www.walmart.com/ip/Maybelline-Dream-Fresh-BB-Cream-Sheer-Tint-8-In-1-Skin-Perfector-Light-Medium/20658859" target="_blank">SPF 30+ BB Cream</a> purchase under the "Suncreen with SPF 30+" category. I won't buy it with my debit card, but I'll submit it manually. Who said health and beauty are mutually exclusive?</div>
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<img alt="" height="320" 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width="169" /> </div>
Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com1tag:blogger.com,1999:blog-8824441942893023866.post-21265880942633504512013-01-06T07:43:00.000-08:002013-01-06T07:43:00.434-08:00Budget FailLooks like I'm going to blow my monthly budget already. 2013 hasn't been good so far. A shelf in my guest bathroom started tilting because the drywall anchor broke. As a result, one of my apothecary jars fell and shattered (<a href="http://www.crateandbarrel.com/small-glass-canister/s635189" target="_blank">-$16.95+tax</a>). I also forgot to close my vegetable crisper in my fridge. When I closed the door, it hit the still-open crisper and it cracked (<a href="http://www.appliancepartspros.com/whirlpool-crisper-pan-2188656-ap3596370.html" target="_blank">-$38.95+tax+S&H</a>). But those accidents aren't what caused me to go over-budget. (I'm just whining. I'll replace those items in due time.) I'd forgotten to account for 2 recurring items in my budget: $21 orchid care service (quarterly) and $59 massage (monthly) dues. *Sigh*<br />
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I'm still $3.17 below my budget, but I anticipate that with gas and other groceries, I'll likely go over in the next week or so. Nevertheless, I'm going to try to see if I can live off of a <a href="http://shtinkykat.blogspot.com/2013/01/50-food-budget-until-26th.html" target="_blank">$50 food budget</a> I set for myself. At this point, I've only spent $8.86, so I'm doing good so far. Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com0tag:blogger.com,1999:blog-8824441942893023866.post-81371106764045871332013-01-04T05:34:00.002-08:002013-01-04T05:35:48.496-08:00$50 Food Budget Until the 26thLike a scared ostrich, I buried my head in the sand last year with respect to my finances. I'm surprised that even though I was over-budget every month, I didn't run a major deficit. (Not sure how I managed that feat.) Nevertheless, I vowed to keep better tabs on my spending this year since my total dollars in the bank was less in Dec. 2012 than 2011. So....<br />
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<div style="text-align: center;">
<img height="183" id="il_fi" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8THuFCz5No-5xzL05rxm_NWXHjt_c0v9NzoaR9Gkcz0nOaFYAUhzaqiiJYYFpQ1p9FCp0AaY4_gTQhbAkM1vW7PCovW4kdSASzkckjcFmRA4Um7KD2HDcqZbNi_XFdffmWLusER4mtaU/s200/t1ostrich_funny_face.jpg" style="padding-bottom: 8px; padding-right: 8px; padding-top: 8px;" width="200" /> </div>
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It's only the 4th and I'm suffering from a financial hangover from the holidays. I can't believe I've already spent $400 of my $500 food/gas/incidentals budget for January. This means I need to live off of $100 until the 26th, when my credit card turns over. Since I expect to spend $50 in gas, that means I only have $50 for food and incidentals. I've inventoried my fridge and I think I can manage with only buying certain staples like eggs, milk, veggies and fruit. I'll be eating a lot of starch this month. I guess my weight loss resolution will have to wait until February.Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com0tag:blogger.com,1999:blog-8824441942893023866.post-54098960380551230912012-12-30T08:15:00.001-08:002012-12-30T08:15:12.476-08:00Year-End Progress ReviewI guess this should be titled, "My One and Only 2012 Progress Review." Rather than a month-to-month comparison, this will be a year-to-year comparison.<br />
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I know it isn't year-end yet, but with family around on New Year's Eve and Day, I doubt I'll capture all of the relevant data as of 12/31/12. This will be as close as it gets.<br />
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<img alt="" height="192" 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tt5piEJUYv+SimmM5Jfi6SZ6BfEONJMURf6xqdBx2Z5P4AEMCDhqCjnJXt5ejmoqDout85lX0qMZ33aMjtPk3yzLdMwjkcXp9z3WInL7ZennRC2sHLVTfqnQ07ljti+whJKzj77IpTz0ln9+imTFtb6VTbUQgr0D+fUQXsnVpI4JuajTlZRrC8tU/yvdd3XRL9meUeABDAgUVJR1ko8fIzPXGaBB9uVO1vSonvGujFvjetiUdOiVdSyWPGBdR6npbgCXq5Vr8jHljUpvjvduMR91YNDDjteMb+kHa2bb2DS4Lx41pP4qZ2WIyqKsC1jUX6MkhNirfi7h6OER4puZzSGIOmMBbGyXgwwGSvVDENa+3h76LT2i/KEeYiTKK0nx5OY5W0BEsCARHUdPeau9HcekVNGJl+9mvrK1t772D2QMZvn/XCNdRpTTOgxPtwRQzOld/82Y6e4cG713blMwzgv8sa2mIw5neVG/TPNP7JmjNUlvHjxjyOfy7Q/pn2JvQbJefGsp/BTnJbsCNy+rNhmRltS14wQ+xLJ1Rg+Kg87Wqt8qr/dFbWGrcn2Uey9AYsxMLZW8XPjKczy1gAJYECi/Bu9vBKnJZY++Ffc9t9lstxojofTr/GPF3Ev5+Bq61znaZ71WKyQO6UJLBxiwpA4pUFFfbDXk16iXEYfbtk/HXKCP6trO42brL55+Ra2lrrUnBfP6t9PMVr2/38wmeHAZnunpmE14sMqSq+JrqZVWUrLuO9hnNc0QDxuoS9DRbH6X2eor3+zvANAAhiQaMh0EL2AXDdd+rLdcTgfo+Yv/nIYHLGocNpqxEofkR1ZtjSNQzmTg4z/H5ha5JUIt1dRTgjOHYQi71cNY3K0+Zg258WzOvdTTbS4cEwlaigxZWpH84heYV5UPrCSxVu4/2lQUdu9xTu2VRT3gVBRLwWQAAYkWvJF2R7qgljUMC2WB9yC3q/gZ67CxdaZZ/lWVFTWsm3ilb3w1NuvNruc7XyYiqqQY91GPrFEj/nK1/UvOcvCDjWX6JlUVIWWujrXbO+Def4kfk7IZbPL3VhUsWZ9aJ3HND0Ksai3A0gAAxK2imKyxpnzVJ4XReYEsHlR5K88zbz4bfs+uNw6t5GmdZ7mVQ8q1SUOAR1wYVNV7ChL/oR3KpMzZ9z6Q7hDpoNETvE2yFnqeayzjMd074RGb92z+vVT9lT8GgFltnOwri0WFeR3F4/9KB+lVVTTfuMZ6O9jjM9KzIt6A4AEMCDhxaJWtmI5C0iQPeqXKelk/zd6PLKO3+hlXGWd12XdpN/+qel5TWbAZtGJB3m53MQ08GLVH8J9s26mKefmzesIEv1cEGfR3aUxTmtMVNcVOvZTaaKkNDbrxygNRhUkTw3zokKq0cm6SXyUp5aCM8egSUXFZ5FTHIRvTITk3/E9Pbo1y3sCJIABCawA0w+uts5CSqQbnnoibtk/257w9Xl4SjwzIRjReymABDAgARXVDx5onX2Ih8f3T/DQJ56MkC3IqEf6nhtP1gq3AUgAAxJQUf0A1gkGIsCDwNMRwmdEvISGesJWuAVAAhiQoCrqE3gohrdvAjAQAR4EQEgPQCt8ggQwoIBYVEeAxgcDEeBBAIT0ALRCAAlgQAMqqh/AOsFABHgQACE9AK0QQAIY0ICK6gewTjAQAR4EQEgPQCsEkAAGNCwVJTNcn5TN6XV+8XsjnG+dR5NI5UM8jxep52NbLm2l9fsWkvNF1ZInhdBb/7SyTG3wMz8VlpJRx92z+uLBRClH+dboZg45dzXiYrUWIWbCp0se42ynVEg69dy41izb3ZFlLaq8k2vQqcpfp6Fkrk2py26NH9PwZYjb9GPf+XMe953D152B9p12/eP806g/XzSE8PTeySpgvcjavZOrongmwlMcDVRUBSdbJ83ZLZu/2KZyjWB1NC95QbJ3W+fkPOoq57X5+++O+ucR9gqPmY6TpJ0kEa1zVkc82CjZj5Wm3mTAWIjQMz1FiJ9wfJ3HAz7mOqdkXwsqykKpQwlvYPcXBt9HeVWR/qbK++aqz7p33/w5j1/G+ec6f5vXn/P4ZX+0H9PwTTHQvlPWv5f8svepJJ5+TExdPbl3MgrYL7ID3qlFRZ3lFaCiKjjZOpd9qS+eAmnLvDxNnlovLidbX+ulqaZlGsax61iUz94g2SsSFsQXDM2O7p7VEQ8KNfuxVlc0GdBHzaV4QggGIU4SpsM+5gqn5J4KFWXB6VD7IeIN7P5iVWZfhVTFytXW0EzHi2fdu2/+mIav8xrW+RtfxPTbMH5XRDbvdLBMUTBtF41Y568sHPXM3qnZfR3xTs2xKG5V3soJ86SioCk2y1ZCwNovBm4Qi5oWrQOWZQ2OS9lOc5vEDrV4+0uXmJbOR/Ta2atGj2mJ5KCLZ3XEg0LFfuxXoMWA+torxEBtFSWLC9fkL/9iO6XARgnZqlfauTmLX5Hy3shuZcmsfKbnVB/mPK+ORRkdyvIGprWIU8wndx3LXld5JNFd5OqRKmqLPwkVtc5fWXzo4E4b6/fRGvIjcakQwlN7p1oB8iI74J2OzouizksF1ekSZGRxUrZ83jAtux6clvwHEG5gncbILj3mi/FxNCclWOdszWo5tWUaxnlR97C5wM5VFJm1VGFvf0y3MK2M9iT/rK54sHFMRYU8+4Qvsphto6TeLUKslfu4WPJUlO2UXMflObfDsaii8zTu2b7uA53nlWZpuiPHGxjWQmD7qIJjCU1feoaK0mfdv2+u30c1P2mZvozjVzGZqX2nwjYLyiigpdUTe6dCAfUia/dOLbGozaCnZfNc9CNt/6/jsFj5vD/eH9STwG2sc52nedbjH6W3IH3Viy/mwmQEI1j+wd4I+/vAD8b01z8b2JMvPvtzlrx50ywM96z+eFA4pqIsBszT2lcj3i+wL/qrxMlBpySc2zqP1mchKX9URbnOM1+Qh6ns6z7QeZ5hlqJDmd6gZi22jyo5Fnd+VVFFmWc9qG+u87d5/jZs85boZKawTEd3esjzovarfh8HdcoTe6dqAXvGSsU7Nc2LSh1efv3UVBQvT71OdhmIRSXcTkUZH2j1cajQMq3ALFk4O+uy51FRFfaqJJmeuqu5FxfgkIqqjptsZmGWD6FCSHQs6cSKivKc0krWbOGu6RwVVXaezJEWVdQDnedZKmote4P6KBvFVqDgWIggNm7Hu5Z31h36Zgo+kVnhcURPTlEKIeTJTBfudAus30czOtWVd0rdVoUyL1JRF3mnYyrqrFiUqBkyKuJc69zb+jQVVZt1br032DjeMC1ysFi8BvrpnwfYMx7TriuE4HTFF1JR1BJSmcp7cQ+X52KyTJmQLFDOi0XxJ7plLGqZSC/wRhW7cJ7XmKXVoRxvcImKch2LG4XS9ZPrFs66c99cv4/Dt+X+KsqMQkU8s3eqFrjEOx39jV5xaL88BSH2+V3UUa933ymS/eJk69zi3us8RSfDaW4JabLBYHWCW5IVIW8EfrnOY1FH2Cs9JqkrcO9cOKsjHjz4fio9DXksm4F8gqCkGotiAkI5HL0//ll0Sk1OzL2WJODAvCjyLNtoXfG6D3SeV5nlgQ5VtJZQ8zzyC6fCkGGuxbPu3TdppoMfe9IBOvT2cx7jvKX2nRRmATYOKPHU3skoUDanBu/UNLucBwxyPJns9j+b1hm/0WvE+dbZnOaOquscIxUBSdVUZkleLjd0+QYi+uqf8a03SCJC0De/vaVFlxDDA8MgzN04K6IvHkz49pMciHIb5k8W5KmN86LoAJz4QV3ek2agi9/i2U4pUNfX4tzYtdgTSf9Jwx1ml0k75yyN6iN6d3ae15rldVk3G3yUrCoRK65bNlfvrHNIuAA/jKybedSPRIzad9L0B7rA8m1IV9SJN5/cOxkFfHNq8k5YAaYj3MY6rQQtl5a6Nfrrn4/hpT8eHgwQ0gPOaIUrOtRb+yiZL+qBQGeUgIrqBw+0zj4cFPrnBvAgAEJ6wGNbAT6qE4ABCaiofgDrBAMR4EEAhPQAtEIACWBAg6qoT+ChGN6+CcBABHgQACE9AK3wCRLAgAJiUR0BGh8MRIAHARDSA9AKASSAAQ2oqH4A6wQDEeBBAIT0ALRCAAlgQAMqqh/AOsFABHgQACE9AK0QQAIY0HCzbhqZSFiulJRioS1liVcnkHG+dZoJWvZcLO7yEaQAy9Bi5/sppzjLuW1E1mazqof1z/bUULmkyIrlnC4K6C7Qc94s21S2Nq2kzXYyANGqVr08rWNLBiHEtq9L4C1TMTXVdpOr946b5Isq2pj/fvGNkCdUdBJ3Vaty67+Flzacj+ln5F3rImZiurTTMbNKVb16p4gGP6NPkC1rvZLavdPFKuqoKoKKquNk66TJgln2epJdzlvxQpoKz+urc5gX0ljnJMQp8et+0U5ydttEbWBPZ998lVJOg0rc3aufsp/LSk1unysSV6qq9ox2JLOdYXohBEXIaqyFd7Fz8VXUOo/W3dzs6r3jKrM84o4Mv8FRMELXHTn2alZVqP8eXrroJPN9m0ndFW/1DutVdR8GrkKLn1EnFFLVM6/e6p0OqSh191BRp+Jk69yan6dZURm1tVnUMr2qxL/jeGBlx2KBx/RPk6h8qPZ0VUqPs9eFn7Kfi+x1vsyiyBinqbJgM3tn7H849sIJKej2C+DoGFfe3OXqXeIqszzgjo74DR0qtjtsQYzoqkpGfg8v7d1hZa9Zst5hK1XdmoFL0epnGKpsqGVeGrzTZbEouo5BXqyguCgBrXP7e55E5E2vbOCtgRD3j3ltLDoIle/AuxAvz6OoD1yX5gZfOdNS6Z/m26M47CQtdVq8OGdppG8/zi/1uFiUSVTp6Wofybr+VICOktr1d+KnCPbnKijCHeuy2GE3UZWSoe6nniCELd9rVM48g9ep7UVgTBcnYx3+1cuOyPBXagmarnF1LKrNHdX8xgUdyumtTlVFI7+zl3bu3PLSJm/1Dlutqo9vXYVmP0PPqbDBQ3it3umUET3vb/lIrIxaKyrFyUnAvKiihJMigbzyhVj5vNB6y1PcFqdbpzGyy496HznjqOct7cPJfLw9fke5CxuP82Lewzbm3su8KHMKgPt0zs2HBmklRo889jrxUwn5uRpUFDmnoj6ZfRY+9TghfEBNwPIMZTe1taZqHz9EVbl6xREVrt47rjTLVndU8Bu5qGGEfofyddnDVVRh/pHvZ5KXHmiBnTdWW73DWlU9g4racOgrt/Bciu1273SGispCJBUym6oSYYo3zQkpx6IMHck/H53Tza/Jpqe4LW5jnes8zbMahFjV9CZygLr7zCRx+/tO481KQCk1R6nV18JD+6cgqv50rZSG7Cmjl9us0K+/Kz/Fnus6FeVTtJduWI24rmOI/dqdmu0XyvYaFZWv4zuiwtV7xxlm2eCOqn7DNkK/QxWCWx2oqO0+LFq269sRJuWl5Tu2/ixuVU+uoopvtyIb9sBvxTudoKJWsri6uQi2qtPTRtn7NMWi8h1uQfscUiqqKNMPtj3FbXG7/ik+0Jo1Ysmt5AhnMRZFlL1pFf30T0ZU/en04x2htFx/P35KPtcVKqpE0UaHaW8hHB7Rk7Eu0alXY3p4q4qqXr3miApX7x1nqaiKO6r6jYPuqCCiHqKiUvCJ3JVBy45iL6MFTN7aOywt0KWKSt1ZDhm0+5m2yJwhrYre6fxYlIMWFZXL7ky1qSjm1xou1BCLegjOtc7cjXj/LIVMJAqdapmqolO5yj5VlEVUfAUyFG7+AKVZpJXq70RFWc9Fmqz0dpJHixTt4fJ8StkwFvOjPR9yYlG01MWxqNLVmxzRm8aiDrijQ36DdCjPHRW1g2nPJSO/j5e277D8CDZvzR2WXet+DFyLA34mNLCh2a57p9PnRflfcLXyy0TGIEk4kjk1X0WlUvURPVsCtjzFbXGydW6h2nWeouZJjBb7JA1prmkwOJ9W83qyMtLmKbyo69/wmP5pEsWO0jejuvkqpRYNdv07uvBTznOZLemcTgMuxdwzWKEAACAASURBVBfZVrAtFmWHc5L3l1HqFg9gzVtz1ZJ79SZHVLh677jKLI+4o2KHYbsbOlRFO5hVFeq/h5cuOkl2f7yAyVulw/pV3YmBK9HuZ0II5nOV2W7wTq6KErpeahrLL9g/aSEF2kf0hEJSP2aROm+Z8tXnHNDzhdE6V36j9wi/dr51qjR3iSi9P9GZA6eUhJ2x2jQFIdRzm9KvJI/kh/VPEhsqRtRINJ46KSuqxHhIhXQf71VFeaaSusngNnoIgT2XX5U6tWFelCjJ70R/ATqdOtmz/Ru9fNt2hNrJutngiApX7x3XmmWzOzL9hjQUz1HLDmXYZkNVbv238NLa+Wg/E5SXtjyWNVqYL3CoKuOsiB68U0aDn6k2t/9KavJOWAGmI9zGOgs/LT5c6tZ4aP/sg4IQQm9+qgOAkB5wRitc0cv66KDw0uiMElBR/eCB1tlH90T/3AAeBEBID3hsK8BHgYFOARXVD2CdYCACPAiAkB6AVgggAQxoUBX1CTwUw9s3ARiIAA8CIKQHoBU+QQIYUEAsqiNA44OBCPAgAEJ6AFohgAQwoAEV1Q9gnWAgAjwIgJAegFYIIAEMaEBF9QNYJxiIAA8CIKQHoBUCSAADGiUVRZLIhUAzBsl0CSo/HUttpRMyTcuhDNrvglbrVGlXQmAZsMoZj1iurEKKMucsdkrK5lXOdcYTV1qpyDac0D+bMz/lNCnlPG3eWTr7kHVNcUv8gu5ZXfupQuYwXoBZi2U/q15x1kmRaBDiZGw6Di/JMCDRtVneCyABDEj4KmrLe7Y7qCR7cmZxVky+0Em6OZKt74NnwYTvomiyTprrluWkp1kgVdpBkYOt4aXDz8qV8rUbVKZbryZXXpRSVB+GTY55G9YTuXfPztI8t6bz1hU8RXZghnyz7oeQYWAm23tGO5LZzrNNQYifu/zCJ4InakHHZnk/gAQwIOGqqJw0PLtMsgZIFknqc5DqI/IOkmtaQUZJNFnn9srhqUNYhlWdSnz0c4sXrjLyzPpODuFirfFtN06Ts2JRQ4rqQzDJSa9Zehv1J0pHRrYCjMEz2du62kTlrH79VANv5TzmxkIK9A+nHTgh7tosFwEqqhX9muUdARLAgISjotZ5lGuufJCP6I/8Fb2PzokvQ7o8hioS8jF4r4zmWNS0lBKwiWWBpoW9w/w3FbsGP6v27vTWL1qXxYv2mKecEYsyyDFuo0lFafYodp4bBZl45OJZHfspI5akCpTXCEqnyVhUIUjKCDFXE2fXGtRAc3Q24zho/VXwQ2RNKm9MXF5inicxsG4tbPWc6Ngs7weQAAYkbBUV/RqRPiyEbkaV+MQXOtIT5ZievsDD8kCrdRqzSfhRGuOIoRnxDhvH0rwW56wclNTzsQ7Mi/J3hTP6Z2mCkv9EZnmLB16ZMSJYUFF6Qb5nVFEhD+LbD2oamG0/zJKL8p4SUvQbNEyl1u6079hTUXQImNpIyyXy/nS3L+Du+jbLOwEkgAEJS0XtkxguUlHcWewr/02LOkvX8+44Yp3rPM2zGtjgU1WWSb/mWTzE/Pi3ztqr/hiGcV4MWVGeEKSFSPsk4ktgk+PNE7efyOMhn3pwcNC4+jOqKD7DSdPmGVjZfhIdDasRN8gRHUMqBJycQ8I7WU7Pv0R2ifFun1s97ejYLO8HkAAGJLSKys6Rf4BZI3rkDF9F8e85uUIyVFTCURUl4iRioll+g5XGpIzVzi84qzLbSlXl1X2iijKCSCfxICf0takoWc2Tqqjm4Uu/gLVzo1tNmdrRPKK3fbbtI4SXqyip1bKzarkEdYlZbyEW9QIACWBAQqko1uc/rEiSmhZeU1Hkc5R9lkFFcbRY5/5+kUJBBQbyxH/fg+v3WcNZthY5pqK80lf2T4+c4p2b+1VygtIP05pml6tHftnZ5QRWAXt4V4insqz0Z5czgaWG206JRTVdwp4H+uxBqX7N8o4ACWBAopQvSqojM9OBLGfNiyIfdAPzNM/+cXYumqxzGzFZ52le0+iKN7s7n0LdPlG1hZeg877MFVxYlfH/hGv7p0lO+xNVb97huZCzwLx29ayO/RSfD2Yqc8MqimznuF9bLEq6DhLkJkpl+2a7eETPmxfVdIlcfpnIxK8n/2js2CzvB5AABiSaVVTIk5yMT8lB+rTsFuXg38dAXh7P7VVORqt1qqyby1QMIKlpzfpnR7Vfp+eLirGsS6ryYxgn9E8SRapE0VJJNshcunkdoeIj1wUevLEt+0679lP7DCcxfEx/fWj8rs2yH3Vq07woUVKbX9o5Z91SUVGi+9Ag4UWXsEf0nt3bdW2W9wJIAAMSN1gBpvGb6/k/zc7GEessZDq4CGfXdxlO6p9XPMxL8fA6ACE9AK0QQAIY0LiBinJC/RJ6xOXd8UDr7EM8PL5/goc+AUJ6AFohgAQwoHELFVWdatJY5N0A6wQDEeBBAIT0ALRCAAlgQIOqqE/goRjevgnAQAR4EAAhPQCt8AkSwIDCjWJRwCWAxgcDEeBBAIT0ALRCAAlgQAMqqh/AOsFABHgQACE9AK0QQAIY0ICK6gewTjAQAR4EQEgPQCsEkAAGNLx19GiSPJbHXP6ubl+aFDPFr8b51qkyS4UQaAKb0m8krVSZ9ll+wm67wJ5wSGfQeVj/bM8ylZbfO8SDeVK+qKypaz9Fms/PMMrbl9ghNaFVr6vdtMBi1Sm14/KkdenmVUp6kV/KS7P3fLjWLA+4o/21cqljaVtxoXAt9wbu5KWP9LKUzs5Oe5YSvLl2/mgGTkTKS1dcFV7am3VWu3dqUlEy+bha/WUcW1IbABWcbJ00kbdIHZmTT7sdy2h4+yya4rmpKpKrWuIx/dMhKoSgn+4iHvLvUXMSEHq6+r1qx36K3KuXq8RvX17Bnm+T5N30TtUqSq2IcJn/uVhFlTKeM3e8zmN0kM/vIa8yyyPuqGExgL0YV6uOZZYsxLzW/dYVsGmp9rJaAb7ERCbY4uDBDJyIolMNabewN/usA97pqIqSzmN7KyD30xk42Tq35hcpkKprn6VSY3XFtKjWx2kqxaJkVaU7eEz/tInaFxZhT+fyoEqKw+Ua5M5+/RS70wuWVCS+LZ1N/3DOLKqoa1ZBuImKYqawTPG/766iDrgjsrMQQxKOxbHMmo8yr1W6gXt46WovqxSwepk6zajrIQzcCk2e1j3riHe6UkWlT2vIqBNwg6+caRH9szr6thWaFrl+nHHWuiylbxyzquKSe4+LRSmizKe7kAf+6a2eXscEn8dP6QcutS9/Uvm1V4hh1WNR3Cep+PxWZp7EKEk+d5m80RO9DgzdIx42X4gEAGa+lpa1sMy2ZsycDsVv09KYzt1xdSyqzR3VX/zBciwUJPpb7pvmtYo3cA8vzVDNrCgLsF5WJfPhDNwG9kBL7fXH46Gt3um6Eb28iAuWczkBp1unMbK7TMM4L3o/Pyt+HYnvPPcs3zSNqvZPSHPo+lH9M01bsiSSwYNduDb3wnjibXcvPByCMyBcaF9jilm2qJL6ap8XRf2V8mPGgnf7364Do4NBKxFD5VjUvOyPSkyGnKgr3CyB/p1lWCc66kqzbHVHDSrKcizsaM30zP2P0RAGLeIGiy9WVUA8KhGUbA1vs/hLqCjHqYZQfJGps9q90/HZ5aQu6nkgo67Hbaxznad5Tu+WZfpgbWvFPPUoevmswhehrop1eqnvH9o/OVFkN1NRl/HAXomqjPra7N1PeQ8Siu1bU5kxqG2+UYqxqC20I67Egz205bQYmiZvYie1fPbfiopa00jNOMSYidEB6X+ZWPLu9sE4wywb3FHLIJQ/08e2zI5V1HYflvNxe1mhgH7SPTpLtL1X/iVUVIQZwqu+/uzAX8U7HYhFRWkmnBcNjVd+8wXUcLv+uRI7KI+45/eeisG4Zzkeyq5KFumnf3KiyO4reWh6K3TEQx3Nn0wNs6hSQWqdqmh5XpQQN0zoNKgoObjGn1TETlpV1PYI8cHyFd0K30lFVdxRrb8UHItrmT2pqBTkYC9T5XyqvcwsUByzesERPYvMCOth6w7JOavonQ6N6G1feLR3f/iRKuAozrXO7JNo/1T9lJuDDD3meGbhLLvjOlXJMo/vnzZR6rD8+11VVPX7mIA9lz+xcw+XZ6LKhPgqapnMOU+VWNQwLd5H4MWxqPhQc45IvXks6og7Iq1vf+jZjqVkmS0fcqb5VQT9tfCczyVRqCBu3b2Ye8YjGLgZqpKxUUXVvdPBeVFrHryPGlCO70FGXYGTrXMbW1nnaV5J9DKbQHnaIrex0lnFzx9ZgJ6uBpsf0z8dosjRK3nIo1zZ93XIQwvYgJ0F97l8K8mxhQtjUdlhLVP6Kt1i5w2xqKIsunBeVKzwIzvLtnlRr6uiDrmj9GfZRakvHN8yi9anr1W4gXt46WovcwuYH8YVf/9gBk5E0ammIpKO8lkN3umS3+h9DMP+qxN2QaWrgGM43zprae5KERJpK8ZZZslqVTkGq2p6WP+Mr7bBuieLh5aSKngcYe3rh4calskOA9CHddrX+0jm+5vnRXlhznSHu5OKlddVlC9XsuXz61RUFPGHomqrwpdXUeGAO0pNrGaiu47Fs0xdUlVlXMvZGcJdvHS1l/kPaw9I6ZGivhg4D6bz4Q9r2Jv/SmryTlgBpiPcxjoLv6E9XOrWeGj/7IOCEELffuohACE94IxWuKKX9dFB4aXRGSWgovrBA62zj+6J/rkBPAiAkB7w2FaAjwIDnQIqqh/AOsFABHgQACE9AK0QQAIY0KAq6hN4KIa3bwIwEAEeBEBID0ArfIIEMKCAWFRHgMYHAxHgQQCE9AC0QgAJYEADKqofwDrBQAR4EAAhPQCtEEACGNCAiuoHsE4wEAEeBEBID0ArBJAABjTcfFEsv08vCUteG63WaaZdSUlBWL6QnBtDJ8zw29Qs0L7zsqpC0AwU0ji9NF7RTxmNvuplQZ3siK9IyPMBrRBAAhjQgIrqB03WSXPdplcOTWUrUgDnjIKllK0U7alsT6zKYMB80vfA6/kpq9H3jHYks90y2c38eoQ8I9AKASSAAQ2oqH7QZJ3LvjKXmzqEZrgtLtl27bJKJ1ZlMVB/0pfFy/kpq9HNP5ylD16OkKcEWiGABDCgcVxFFZYvmElu9bxKg87rj3WLTTTHoqbF1xZ8zTalbKor45oF2ndeVpXJQO1JXxiv5qfsRpexKC8QFV6PkOcEWiGABDCg4akosUxP01Ka7G+9NpVang9CiqPROo3ZJOkAnRe1TMM4L6LwE6kostLcuwVCX81POY3OLNkPRIXXI+Q5gVYIIAEMaByLRS0Tm6ec/tuylCY/d80LhQIbjljnOk/zPFkCg8xA+WCq9Wzpc3sVVXnS18Wr+amqqaQSTasRA48BWiGABDCgcUhFxW9H8buwRhWVvjvdZbffHkdV1GoP2hmTdvNb6jlVVHrSFJ16bdN5NT9VNZVtMM80khBej5DnBFohgAQwoPGoWBSg0WKdWQ1VVRQ7mP7zNLPLG570ZfFyfqpsKvtgnmkkIYQXJOQpgVYIIAEMaBycXV6cF1VWUe5+YMPhTAdpnI7mDCDzS/K7SKQ/eLpMBzlnw1vg9fxUyVTyrHLEoroGWiGABDCgcepv9MoqKrDf6EFCKbRap5V1Mw2YmvktzV9K8rFZKlKMAu07L63KYmBB1s2Xgdfo0l4wL6pboBUCSAADGlgBph8cnxd1HvrIJ+DPi3ovwE8JgJAegFYIIAEMaEBF9YMHWmcnUgX9MwI8CICQHoBWCCABDGhARfUDWCcYiAAPAiCkB6AVAkgAAxpURX0CD8Xw9k0ABiLAgwAI6QFohU+QAAYUEIvqCND4YCACPAiAkB6AVgggAQxoQEX1A1gnGIgADwIgpAegFQJIAAMaUFH9ANYJBiLAgwAI6QFohQASwICGq6LWecy5nbyEhycuKiyXQL6iXielJ3miqy9xE8A6wUAEeBAAIT0ArRBAAhjQsFWUWjn4Q6ThNBJsXgmR6vOamksqqjV7Y37G68ocAawTDESABwEQ0gPQCgEkgAENN3c5UzAti71cCaGirqn6ahXVUvIGa9jAOsFABHgQACE9AK0QQAIY0DBUlLVs8B6OEsu/RKkzjmpBErbYC12+eC9vLQRRUFFmbd6w41EVRR5qX1qZraZiXEUvg+Pc4RHAOsFABHgQACE9AK0QQAIY0NAqSo7fRSRppWNRm2qgsqf4t60yCiN6xb/ri/ft0POi9pVP4/PmB9fPqK/ixuQuD6LBOsFABHgQACE9AK0QQAIY0DhBRWntoqZVWUoryAtYEieUass7eFjoWCwqPq9aw1eUtANUKQ5VvMNWwDrBQAR4EAAhPQCtEEACGNA4OKJXiMHkA7Gw2DZ5VVRRSZ9QWVOubb/VGOW6REVRheQ9o3EVPlXMucOjbfHu1gkGIsCDAAjpAWiFABLAgMZ5s8vdWBRBk4pKsiYNkdm1LRMRK60jeiV1s0ybelNxJuMqfizqYsA6wUAEeBAAIT0ArRBAAhjQKGQ6ENEgpiQqs5Fa9gvweVHxpHJt5Ca38NVFsahlYiGoHHMiCsm6ysFZWQ2AdYKBCPAgAEJ6AFohgAQwoHFB1s0oO4ZhnNeCeiC/WeM7m1RUugofVuO1bWXizjnPRmqdXf6R1ZGcjEWe0bsKK+Pd4SHAOsFABHgQACE9AK0QQAIY0MAKMP0A1gkGIsCDAAjpAWiFABLAgAZUVD+AdYKBCPAgAEJ6AFohgAQwoAEV1Q9gnWAgAjwIgJAegFYIIAEMaFAV9Qk8FMPbNwEYiAAPAiCkB6AVPkECGFBALKojQOODgQjwIABCegBaIYAEMKABFdUPYJ1gIAI8CICQHoBWCCABDGhARfUDWCcYiAAPAiCkB6AVAkgAAxquilqmj6sTIAGHAOsEAxHgQQCE9AC0QgAJYEDDVFE8WXlMYnn9AidABbBOMBABHgRASA9AKwSQAAY03HX0EH66O2CdYCACPAiAkB6AVgggAQxoGCqKrb+rYK8ME5d2GffF74w1VYAqYJ1gIAI8CICQHoBWCCABDGhoFcWH8wS8JXiXiYiqVEOxKkAC1gkGIsCDAAjpAWiFABLAgMZBFZWKiInnbJnhWAPU01HAOsFABHgQACE9AK0QQAIY0Dg4ordMw/Cx6aUYfzJUFJVZiEW1A9YJBiLAgwAI6QFohQASwIDGsdnlTGCpET09BWqZEJRqB6wTDESABwEQ0gPQCgEkgAGNY5kOiCrahu2sWNQy7SGodR4xv7wZsE4wEAEeBEBID0ArBJAABjSOZt2MCinunLNGckf0oKHaAesEAxHgQQCE9AC0QgAJYEADK8D0A1gnGIgADwIgpAegFQJIAAMaUFH9ANYJBiLAgwAI6QFohQASwIAGVFQ/gHWCgQjwIABCegBaIYAEMKBBVdQn8FAMb98EYCACPAiAkB6AVvgECWBAAbGojgCNDwYiwIMACOkBaIUAEsCABlRUP4B1goEI8CAAQnoAWiGABDCgARXVD2CdYCACPAiAkB6AVgggAQxoeLnLP8jWU9KnmAJUZ0Pv+Z5bAesEAxHgQQCE9AC0QgAJYEDDXQEmi5C4Xl4noqSkoh58z+s8XrfWDawTDESABwEQ0gPQCgEkgAGNBhUlFoR5LBpV1N3v2buvI4B1goEI8CAAQnoAWiGABDCgcVxF5bEzGfsZx3FbLsZcAYbszHJju9a8LyyTdcg6j8bw3AUqStxb+U6maVR3Un/kccwVxl2ZrXYxB+sEAxHgQQCE9AC0QgAJYECjeURPrzqs/t7/kxSMlDJExLAKjcX4lilLEbr/0IievkTlTj7yUsv+XVmPTGuiolOKu0pbvLt1goEI8CAAQnoAWiGABDCgcWx2+TJ9yLiQsRpxlBFM6vATyX/LCkkHjS6YXc6VTNOdkBhS2yOz+8p/HxJRsE4wsAE8CICQHoBWCCABDGi0jOglRHkkNjJqZgzeqaDUdoWaitpUUS7ToKIcvWIovNqd5P2tj8zua/8P0VxtbfHu1gkGIsCDAAjpAWiFABLAgMYhFSUDOfSAecoybUGpo7EoNp3oghE9/9B1sSi3WnFfy7TNsTryO0FYJxiIAA8CIKQHoBUCSAADGsdUVDF0RMb99oBNDsYU50U5KopOMzorFnVkXlTxDs1qaYxLzkavA9YJBiLAgwAI6QFohQASwIDGQRUV2A/W1E/tjJ/jtf1GT8eZlikXnvPI2PUqqnIn8deC/ISWR95umE4+d4JYLmCdYCACPAiAkB6AVgggAQxoYAWYHcdmgrdUdzRhFawTDESABwEQ0gPQCgEkgAENqKgd56ooOm7YClgnGIgADwIgpAegFQJIAAMaUFE7zlNRy6TydjYB1gkGIsCDAAjpAWiFABLAgAZVUZ/AQzG8fROAgQjwIDAAAAB0CcSiOsLw9k0ABiLAg8AwDCFge/AGswwBpggzUICK6gewTjAQAR4E8OrqYYNZhgBThBkoQEX1A1gnGIgADwJ4dfWwHTTLZTo8NfQJAFO8i3dapi/PYzyuilrn0ViTTuDk7ABvDrw7wUAEeBCgr66USY6tmzntBdaBOK5hXpvOignkciVhCGGYhmEYh7X4RpHLd1q3IW5Grfi57a88VwfbAbPcf2Fj/MiGZFQOIb9ojF/jiJLOVWhyZrVOV97vVrTfqk7+Z96/UFH3NwD3itxiJ1XVtJT2d6SifkzDlyFu04/iTu/cb0vprLTzqy1d1u/jflZufHPnBltFqSV4mTGt85hTY0JFnQa8O8FABHgQMAMA86hUzhJT3W7/XWfjJWGctQ7jMIzjMAzDclxFiRfn9l/6d+GU+F9+XeMO+9hazXJbsmKeWMLkfIxoo3Ue5TIXTkn7MlYBcw2M0hpl47zSG6DvO32aVlF3NgD3ikpFmZW0WPU5ZnAZfs7jl2H8Pk9fpvn7OHwZ55/bzuHbEsI6fx22nQbi0V1FmWf9mIYvw/h93XZqIZV12DIlpWXuTGjLXU7sUiYYh4o6DXh3goEI8CDQqKL0G2JW2kiftc7DMAzLwmJXje8b8UaMaeLm9cBLNJ/S9hJ94NZqltsipNaIXgr8kCW4yKoULBzESjpX0QXkN3/e7QkuunSGepmpdVRLKuouBlA4/RVU1I9p+DJMP/iIXpY+W0zIDkelIFNUUdZZa1Jmgf1tIWovYTPWTkNFWevv7qYp1k6JKmocc2wwnUFWTRGLzY3xq+95Rj3vBbw7wUAEeBBoUlE8EBU3HY7Sr6h53F5LEz/9AhUV72FaDoYi9P08v4oaxnGUTn6dxy08lUI9H+STnLxBVEkJr4D3YS/WObVKsxvIlxE7yyrqDgbgXvGFVNTwdRyZUlkmFlUybWKdvw7T9xR/ss9avpFQ1qbYvFtJp9d2ahVla/kkrXQsarNCapDFvxG8coB3JxiIAA8CLSrKHL/T0kq+ouJw3mwculhFjbM1LcaZsCLiENWX6AO3ZrOkH9t8ttE4r3xgQ6io/KLgJSW8AlYIwJNQory18qmxBEWLirqpAbhXfA0VlUblvoiRu2X6UprMFH5Mw9d5/UlVlHUWCVAt34b0t0KzhArhDBWl1xJW06ospQVI4N0JBiLAg8DtVFQczouvMfp34/um/BJtCUVEwVGOlnWyHTJLspx8dv7iDeKoKKOkqtsucGhR+og0/XwcR6GizLVQD6moWxhAu4pq0nDHLe0O3inqmyykiDZavpmxqGWKeoiqKOesNE98/Dr6KirdhhzyM3YeHNErzIvKB/TPJT6SvIKK8oF3JxiIAA8CLSrqshE9NnGK13CfEb16tKyb7aBZLnF2eXT+aRo5e4NYI3p2SQK/QPH9YoepZAH620GzfIuKuqkBvPiIXmqMbXZ5msy0D71Zw3Dr93ETSUQ5Vc+qjeixwFVp53mzy91YFKMGKsoH3p1gIAI8CDSpqAtml6thl4+G91DhlXbB5OLXVlHLJk3yGF/meVrom2IfsnBKZvgFCiOAwZ72RMFml/tJFsoq6g4G8IKzy6P0YaN1y/RlWnaVU9NDdBBwSBPM27RXYXZ5s/YqZDqgM/2I/dExZkdFNe0HJPDuBAMR4EGgUUXFF1J6x1QzHcQC8gVmvZO87fofur/eb/T298ViZToQWqeQ6cAqqX+PR/epr3caTyLvLfODP0e4yvN3SyrqLgbw2pkOdumzOJkO6ICaNdO8NKJnZTr4tlvXXlW8ATJxyt1JbeJw1s04WjwM47x6aimw3+jxnVBRHvDuBAMR4EGgVUUFN+umeRbVTHGjumpSYSoxXKjLiNebmtVgV1vPaNXH1m6WhayV5jAcf02YJS9RUfRO5Exdopj2GOR2XM9IKWc6uLMBuFd8CRUV2KQoM+tmih7VVJR9Fqk/h75YVXJWlr9zA1aA6Qd4d4KBCPAgYKoobHfeDprl2SvArPPYwRc4TPEu3qltBZif8+j9ZO+egIrqB3h3goEI8CCAV1cP20PNsg8NFWCKjzUDinX+WpzVdDdARfWDbqzzYQADEeBBAK+uHjaYZQgwRZiBAlVRAAAAAAAAQCNELArbI7fh7TX+ACOEJViAYfSwwSxDgCnCDBSgovrZYJ3wULAEEzCMHjaYZQgwRZiBAlRUP9sR6zz79y99AB7quCW0YJl+fW5rgWH0sB00S/io19zO904tP8frGVpF0VQf5TQYA0m1Uj4rZpsVKcjaE1eYp6dK0s0s1UN6hchhmNfaIxev8gDrXCYrF0tO6St/yiLz8Pol83E7g4tc1dMvWbxV865CCH5aIL/1E3Try0MxQx1HbH0D6nKyVCFNiyi4lPbf3E/9Ow2/DnGb/t25/2vQO9d/xn2n59TW+Y/trPEfbjnxKn8t7L/bNs7/qYrMa/03j84NCMOYeIvnBOWXdvCgckdtWfF4lnMz6fnAM055a80W7kEvrKbtuYftgFmSTsWzBcqd7Bjf668hzOvihzt9JQAACQ1JREFUGQtV9Xl3YYE9cbhwqzc1xWUahnGYDpmiZ3i+g7osi9VNvFPO55RTQ6V17mguKDuJlG5MnhLTrIpdWi8tHAJNhp5WeilVVYhFeamBU+q5amrgQFp9VK6hVUU5pwt3I2qzD/n5ZN2bL17lAU5qy/E787zAOfOvSmy67hp0oedbJckFjGzCez1spSk/73Cgye3iX4W7StbYXeszc71XyuDT/NR/8/jrMP4zT79O8z9jFDRRwUTxtPy1q5wsg5bp12H4w1q29Y9tfz6LHiIqat2vZcO+1jr/EXfmC3mGMfEcmOLVdVkT70vP5ktME7E6mhW96AaFJLIXpdEL17ySirJ8VHEJi13o8C89S8PwK1ATyTpM5YIuuLu8N5csr7ZxU1Ocx2Gcj5jiIxzUad7p5zx+GcbvM0tTnsXNMn3ZEmPStVzMFYI3o/jKVY5VlSxsqKh1/roVFhnPnarCMRV1eJmq3csMw7AsTF+3N5t3urSbgkml7SLLLlzl3K3JOrfVoHi03JExqXzWK4WSqiryp5WJ3i4pL50KsHCUuKtsjd21vlfnTZevOs1P/TsNvw7Tv/6I3r+TCixFSaTKb4LMspwUefprV+pmDQZISVK/FmHmqyt5nlNUFNNG6zAOw7wM497EVCqV3eAF63u8moragkj+iJ7QJinywxZgKaio8oJ5ctXXgrujxz0nJmTUTU1xijbWbIrSw9zFQZ3mnbYF6bwRPSs1eXBWCI7i5osTK9JVpRiYVlGbtvNsxrqrAyrqoiXTtz174Jqe3ths3ulBRVPrhy5WUXdxau0qahjHkToRd6HNdR6370FjEXW/frHK+j7FgTsvuySva6CxKBbEYneVrbG71md18jVEB+u12qGKGv4YR0fT0LhUbjU6Nser4iW3OuY/humfecxnLdOvxoihBXItWr+6ln51DdMwjxv/56goeu6yVZisLr+Tam4QKmpfho77KGYxtOtrb2B5G+MCns4iI4GlQcF0PK9ArAvrm7ihKS7WuQVTrDkoU/f3pqKGr+Noq6hlslQOW2OYFZ4WT3jJqtb56zB952vF8LvyBw2tu2pXUbYErq5HHUdkZuNQU7P5p6erf5j1mIf0WHUt2F65ygOcVJ7VJL6ipmmUM5CWaV8lnX2bGSVJ7UIbke8wua6VX5LYHF+jyrwrYo3HWn+D1WTGIT0vqqX1fSc17PfWr4oiM5msIbYod2gbOBJqjw9Nf41SG/07DX/M639ERZH4lhr7U1dng4BMRdG4l/nqCstGaWkyypEmTkeXaWvr9Ec6VHWDl43oyYkyT62i6AwlwyvwOVCuN/BVFNE+KlTEpFByd47e0lW5w4R3MMV1zntaTLHqoD5u46DO9E5fvcXpbAm1x5z8MKSholRVP6bh67z+tFXU+n0cvozTt9Gag+Xc1a1VVByRSaFIKqJbmq1wetrycpJK+MtDV0+bMK9ydycll9iMgiZFjahbEFMSnJLUDM9TUWzp9HSicVfEGi9p/Q1W67NDN4hF2U7KEmre/istocla/rKFVNyvY0Wm9Nnmg/+18ALLFOUOVVEUxoihfa1LVFTYYgDnxKJ2g1n26SmBvNjSFVtUVOHdad7Dq8WiYstmi5eL2ZN+X/AG5WE7Vp1egZjWWnB3gSi+cRxFCWvK+w1NMVldoylWHZSnokz7rNrtrbyTv8qvngIVC/uBIi8WRatapjhgV1JR235zDpax89Yjeswj8BpaVFThdLOkfsuyQ9c52fJV7uukljhzc9Mx1uBamvstZktWhuFKBY6N6GmZ5d5VtsZS6w8Pbf2nHNFLjbrNLpe/yCvMczJ/hSdG3NZ/Rjqr6QIVlQscH9EL8dUynaaiklKfkk+L4ynrMJI9jSN6cae+mTdRUclH0V4ufmZS9AaXq6i8k0amaqN7ooD+RUzE7UwxW12jKdYcVO8jeon3bXa5kkd8ClTUN/6MpVBQUamq9fu4FXBUFBvRM0f39MSs284uV1HNj4bmzFvxdLF5c+7YoatVVOEq93VSyzRMS9Iu2RslvZIH/jJ1TMWUVJQzZ9xQUYXZ5ZaKcu4qW6NsfQm/9Qe/9YczWv9ukzcPWkKbtfw6LUqmmCN36aiMUf03j1Ll0OHCfRN1tqmo6V9WsmV2eWoLNr33yg4eX1HzMCZFHuf21oLo3uzyaO1Ccr2VilqUjiH9nQ787ZBHL1dR2jGWq2NOzAxDhRBuZ4ppUtQRU/TuJDzF7PLUWl+mxdcrVNA4iQkSKipq+kHHEAd7gvnPeWxQUWznBZkOUlNVMx3EAnK8z2pacyufLm5GR62MQxfN+HOv8ggntUuTxch04AWu5UCcLklLFPIXGJPEVUk5CavtrpI1stYfiq0/+K1vH3q/TAf7MNlCMx3s06GYTKGhqeWvNFmK/touZSKwhvxK86JkVaVrNWc6EF7oHBWVXoQ8mi4nKhXdoGEntV8xv5iK2nu28FHWvCN1jr/L9ibiByxiZ93diUwHTO7Zt3ojU6STog6YomdFz5DpYJ8nvtBMBzTgRJI/xelQYnBNaya2x6lqB4tF0RPX+asc0atUdUxFBRYfMkUxPUuPs1BhpOdUGh9t/unpv+bN2Ies4Fb5B4blqzzESdG8baQx93ncuvNLD6VLihKpQPUHK7qkEa9qu6tojZXWH3jrU+iS8pAV3Kq2PvMy7EzbAXWlokIwEmySjJcshaY1fUrkLEg/vlMTxvmIHrmEXZUzVSvVL78mC68uplQu6uB02zIcTqU9ZTeoQwLi9JdXUYH/iI7IGYbSB5qxS38LymqcmVhpt+3u8ln78fKt3sgU6aSoY6ZI7oTH+PlN9qeiQrBzaeqZUiTjJU2GWVFRZlUZrooKu2hjZ5Wqwgow/WxHrNPPxXIZ1nksZZG6EwYY4WFLaMEVK8D8N49GBs57A4bRw3bQLOGjXnM73zuZY3At+DmPXx9vElBRHW1nW2c7+vBPAR7q4ZYgsM5/+CnI7wgYRg/bQ80SPqqXrSPv9NVMYn53QEX1s3VjnQ8DPBQswQQMo4cNZhkCTBFmoEBVFAAAAAAAANAIHovChg0bNmzYsGHDdmR7/B1gw4YNGzZs2LA94/Z/ldKTjvlLo6YAAAAASUVORK5CYII=" width="640" /><br />
<u><b><span style="font-size: 130%;"><br />MY DEBT</span></b></u><br />
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<div align="center">
<table border="1" style="border-collapse: collapse; border: medium solid; width: 75%;"><tbody>
<tr><td style="text-align: left; width: 40%;"><br /></td><td style="text-align: right; width: 30%;"><div align="left">
<b>Starting Debt </b></div>
</td><td style="font-weight: bold; text-align: left; width: 30%;">Last Year This Month*</td><td style="text-align: left; width: 40%;"><b>This Month</b></td><td style="text-align: left; width: 40%;"><span style="font-size: 85%;"><b>DIFFERENCE</b></span></td></tr>
<tr><td style="text-align: left;"><span style="font-weight: bold;">Fed'l SL (06/08)</span></td><td><b style="font-weight: normal;">$55,852.68</b></td><td style="color: black; text-align: left;">$50,115.88</td><td style="text-align: left;">$48,542.02</td><td style="font-weight: bold; text-align: left;"><span style="color: #38761d;">$1,573.86</span></td></tr>
<tr><td style="text-align: left;"><span style="font-weight: bold;">Mortgage (1/6/12)</span></td><td><b style="font-weight: normal;">$274,000.00</b></td><td style="color: black; text-align: left;"><b><span style="font-weight: normal;">$274,000.00</span></b></td><td style="text-align: left;">$269,463.90</td><td style="font-weight: bold; text-align: left;"><span style="color: #38761d;">$4,536.10</span></td></tr>
<tr><td style="text-align: left;"><span style="font-weight: bold;">Bank of Mom (1/6/12)</span></td><td><b style="font-weight: normal;">$68,500.00</b></td><td style="color: black; text-align: left;"><b style="font-weight: normal;">$</b><span style="font-weight: normal;">68,050.00</span></td><td style="text-align: left;">$60,421.00</td><td style="font-weight: bold; text-align: left;"><span style="color: #38761d;">$7,629.00</span></td></tr>
<tr><td style="text-align: left;"><span style="font-weight: bold;">CC (3/31/12)</span></td><td><b style="font-weight: normal;">$34,188.50*</b></td><td style="color: black; text-align: left;"><b style="font-weight: normal;">$</b><span style="font-weight: normal;">34,188.50*</span></td><td style="text-align: left;">$26,047.00*</td><td style="font-weight: bold; text-align: left;"><span style="color: #38761d;">$8,141.50*</span></td></tr>
<tr><td style="text-align: left;"><span style="font-weight: bold;">TOTAL</span></td><td><b style="font-weight: normal;">$476,414.00</b></td><td style="color: black; text-align: left;"><b style="font-weight: normal;">$426,354.38</b></td><td style="font-weight: bold; text-align: left;">$404,473.92</td><td style="font-weight: bold; text-align: left;"><span style="color: #38761d;">$21,880.46</span></td></tr>
</tbody></table>
</div>
<div style="text-align: left;">
<span style="font-size: xx-small;">* <span style="font-size: xx-small;">This credit card debt was incurred for the renovation <span style="font-size: xx-small;">w<span style="font-size: xx-small;">ork on my condo. The renovation work wasn't completed un<span style="font-size: xx-small;">til <span style="font-size: xx-small;">Feb. 2012 and the <span style="font-size: xx-small;">total was unknown until March 2012<span style="font-size: xx-small;">. Thus, the bal<span style="font-size: xx-small;">ance<span style="font-size: xx-small;"> <span style="font-size: xx-small;">of $34,188.50 is not from Dec. 2011 but rather <span style="font-size: xx-small;">from March 2012.</span></span></span></span></span></span></span></span></span></span></span></span></div>
<div style="text-align: center;">
<br /></div>
I eliminated approximately 5.13% of my debt. Thankfully, I have not incurred any more debt since 3/31/12. I would like to snowball my student loans to pay it off sooner, but I feel compelled to pay back my mom ASAP since this money will be used for her care if my sister and I ever have to put her in an assisted living facility. So right now, my payoff priority is equally split between my student loans and my "mom loan." Hopefully, at this rate, I will be debt-free (except mortgage) in 8 years. I hope to be completely debt-free in 18 years.<br />
<br />
<u><b><span style="font-size: 130%;">SAVINGS</span></b></u><br />
<br />
<div align="center">
<table border="1" style="border-collapse: collapse; border: medium solid; width: 75%;"><tbody>
<tr><td style="text-align: left; width: 40%;"><b>LAST YEAR THIS MONTH </b></td><td style="text-align: right; width: 30%;"><div align="left">
<b>THIS MONTH </b></div>
</td><td style="font-weight: bold; text-align: right; width: 30%;">DIFFERENCE</td></tr>
<tr><td style="text-align: left;">$14,437.72</td><td><b>$15,527.40</b></td><td style="text-align: right;"><b><span style="color: #009900;">+$1,089.68</span></b></td></tr>
</tbody></table>
</div>
<br />
I'm actually short $277 from where I should be. I had to borrow $632 from my EF to cover a Supplemental Property Tax bill that I'd overlooked when budgeting last year. Due to Prop 13 in California, the prior owner of my condo paid artificially low property taxes because she bought the property 15 years ago when property values were much lower. When I closed on my condo, I paid 50% of the property tax in 2011 based upon the prior owner's tax rate. I budgeted and saved enough to cover my 2012 property tax at the newly assessed value, but I'd forgotten to budget for the retroactively reassessed property value for 2011. Hence, the $632 shortfall. *Dagnabbit* I've already reimbursed $350 back into my EF. My EF should be fully reimbursed by the end of January.<br />
<br />
The savings I report here is with respect to my emergency fund only and
does not include my future spending earmarks. Currently, the total
amount in my liquid savings account is $22,054.62, which is actually $1,375.92 less than last year. Not a good trend. <br />
<br />
<u><b><span style="font-size: 130%;">MY ROP (LIFE INS) FUND</span></b></u><br />
<br />
<div align="center">
<table border="1" style="border-collapse: collapse; border: medium solid; width: 75%;"><tbody>
<tr><td style="text-align: left; width: 40%;"><b>LAST YEAR THIS MONTH</b></td><td style="text-align: right; width: 30%;"><div align="left">
<b>THIS MONTH</b></div>
</td><td style="font-weight: bold; text-align: right; width: 30%;">DIFFERENCE</td></tr>
<tr><td style="text-align: left;">$1,823.93</td><td><b>$2,854.63</b></td><td style="text-align: right;"><b><span style="color: #009900;">+$1,030.70</span></b></td></tr>
</tbody></table>
</div>
<br />
<br />
<a href="http://shtinkykat.blogspot.com/2010/04/my-diy-rop-life-insurance-policy.html"><span style="font-weight: bold;">Long story short</span></a>,
I'm pretending to pay myself $55/month for a
"hypothetical" return of premium (ROP) term life insurance policy. (A ROP policy pays back your premium at the end of the term if you outlive the policy term.) Investopedia looked into whether ROP premiums are worth it and it <a href="http://www.investopedia.com/articles/pf/08/return-of-premium.asp#ixzz2GXwQlvTc" target="_blank">concluded</a> that "for policy owners that can invest in tax-deferred or tax-free accounts
and are comfortable investing in the markets, a basic term policy
without the rider probably makes more sense." <br />
<br />
That is exactly what I am doing: I bought a plain-vanilla term life insurance policy and putting the $55/month savings in my Roth. I've calculated that I need an annual return of approximately 3.7% to make this experiment worthwhile.<br />
<br />
I've paid $4,422 in premiums to date and my ROP balance is $2,584.63. I've recouped 58.45% of my premiums and the annual return on my investments is currently 3.34%, which is a bit below my target. I'm not concerned because I haven't
invested any of my contributions from this past year. I feel stocks are a bit too expensive right
now so rather than dollar cost averaging while the market's up, I'm
just parking the money in my Roth and waiting on the sidelines. I hope down the line, this strategy will pay dividends.<br />
<br />
<u><b><span style="font-size: 130%;">MY NET WORTH</span></b></u><br />
<br />
<div style="text-align: center;">
<img alt="" height="150" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAVgAAACiCAIAAACLcELcAAARvElEQVR4nO2d+3Mb1RXH9XfpD5BpSoBJeRVmCLSwlIFpCW0n00Km0xklwSEhm5CahDhNSEmCSxMI4G1DMGAehhRbjq3YaSwQie3YsWOtXtb7cfuDvNLuanct7d67L30/sz8kK/vc4zt7v3sf5xwFSCCACxeuHr+c9wAXLlyOX9K/AAC9CYQAAAAhAABACAAABEIAACAQAgAAgRAAAAiEAABAIAQAAAIhAAAQCAEAgEAIAAAEQgAAIKaFIMYHAxtwQvvdIB9r3hS49nvE+NPObwIAaGBKCASuORxjfFD6t8BJotD6PMYHN262/tVC89PObwIAKGFGCFojXv4/5d32H9UYwZqfdn4TAEAJy3sE0ts/xgeDPK+avsf4YGsmL5tHEP1PO78JAKCFNSGQLQxifDAgm8g37irGbNsA1vy085syFiXi8fh1AMySTqe7HwW+wIIQCJx8587Em5zejGBZIhqNTk5OzgHQPdFodHFxsctR4BesnBooV+oCpzFW7d4jmJubu379ehd/CAASy8vLEIJuhEBDBQiRD9bWC7y1dtA7NWj7tPObGkAIgGkgBN0JgSyGQBVKIB31K0Zq2/m/YihTjiOAEADTQAjsjiwUOFbnfxACYBoIgc1CEON5VnEAEAJgGgiBf3INIATANBACCAEAEAIIAQAQAggBAARCACEAgEAI6NUjaH2mzE60rx4BhACYBkJApx4Bad4IaMQD21OPAEIATAMhoFKPgBDSCC7muKA81hC5BsAbQAho1CMgRMoxUL7I7a1HACEAhJBMvn7y83yl1t1vQQho1CNojVaZENhejyAajU5NTS2CHuabqaXHDyVCYfHwhytd/eKNGzcWIQT06hE4MCOQ1yOYnp5eBr3KqcurW/YkQmHxpZNrsZt3uvrdubk5CIHVegTtKYnSqxx7BMAOiuV6/wfrobDYt1s8PZqv1bu2sIylAZV6BPKP5aMW9QgAa5aTteeOp0Nhcdv+5HdzZZNGIASU6hG0PjeKI0A9AkCV738sP3ggGQqL3LH0YqLLHUIZEALUIwCepF4ngyP5vrAYCovh8+v5UvfrARkQAtQjAN4jW6jvGsqGwuKWPeJwpGjdIIQAuQbAY8RXqk8NpEJh8RE+NX2rQsUmhABCALzEFzOl+/clQ2HxdyczdzPmNwVUQAggBMAbVGqEH86FwmIoLA5cypWrNI1DCCAEwAOI2dpLb2dCYXFrf/LTaIm6fQgBhAC4ndnFymOHUqGw+MSR1A93qM4EJCAElOoRaBcpQD0CYJWhscLP9oihsPjns9l03tIZoQEQAir1CDRvoh4BsESxXH9VChweGiuw0gBCCISATj0C7SIFyDUA5lmiETjcORACWvUI2m6iHgEwy/c/lH9xIBkKi8++lb4tUjsjNABCQKcegcZN1CMA3bOwsHjwg5VG4PArZ+7+8JNN7aIeAY16BJo3UY8AdMmPt+788e21RuDwuS9W7Wwa9Qgo1CPQuYk9AtAF8ZXqk39LhcLio3wqOk8ncLhzlrE0oFCPQLtIAeoRgE65NFW699VkKCy+eCqzRi9wuHMgBBTqEegXKUA9ArAJ8sDhwZF81QERIARCgHoEwEESssDhEQaBw50DIUA9AuAMMwuVXx5KhcLidmaBw50DIUCuAXCAVuDwuWyGWeBw50AIIATAVm7drb7ybjYUFvvC4lufOrYpoAJCACEANpHK1Y/8J9eYCNzXnxyddXJTQAWEAEIAmFOs1E+P5u/rT4bC4j27xYFLuVTO+eWAHAgBhAAwpF4nw5HiY4dTjQPCl89lb911eF9QEwgBpXoEZs7/EUfgc6LzlRdOpBsS8MyxdCTOPInQNBACKvUITNQRQD0CP7OcrDXKjYfC4kOvJ4cjxW6/nthmIAQ06hGYyRFAroE/yRXrA5dyW/aKobD4873i4Eg+y7akCB0gBDTqEZjIGkQ9At9Rq5MLV4oPvZ4MSd8+tJBw43aAJhACGvUITNQRQD0CfyF8t/zkkURDAn49sHb5+2WnPeoO1COgUY/A0RlBM6Uc9QgcYXz2zo6TCWk7QPzXV6tLS0771D2oR0ClHgH2CHqRXLE+OJJvpA9v2SO++UnODcHC5ljG0oBCPQIzdQTcUo9gvVjPFuor6dpSshZfqc4tVaPzlUi8fCVWHp0tfXatNBwpfjReHBorvPtNYXAkPziSPyTk+OHcngvr4fPrL5/L7jyTffFU5vkT6WeOpbcfST12OLVtf/KB15K/PZn5ZKpUqnh1bBhQq5PhSPGRgxvRAX/5Z9ZD2wGaQAgo1CMghHR6/u+aegSVGmk8xKyvXxxIHruc9/o4kTMRLz/71kZ0wG+Opyd/sruaEAsgBL1bj+Ce3WIoLD7wWnLb/uTjh1Pbj6S4Y+nnT6R3nMrsPJN95d1s+Pz63vfX+eHcISHXmAsMjRWGxgofTxSHI8XPrpVGZ0tXYuVIvHxtoTK3VP1ptbqUrK2ma9lCPZOvfzlb2vlOplGHsy8s7nwn8+VsyeXH6cbMr1Wb0QGP8Clhsljzy3QHQoB6BGxZy9SGxgqPSzG22/Yn+eHczVWPTRDEbK3/4nqfJJ1DY4Wiv5Y8EALkGthBpUpGZ0s7z2T7pCXDjlOZUS9MEFT5QvxwLpF1vdPdAyGAENjKYqI2OJJ/8ECyOcEeHMmvpNw4tOqEXJ4uNfOF/vCPTGzZYxOZzoEQQAgcoCxNEBpjrG+3uPNMdnS25J4ld3S+8sLfMw33nj7q6nwhKkAIIAROMrNQ6f9gvXEU3xhy7/+36EhwfrZQn7pVuXCluP/D9eeOpxvbAffvS5792m/bAZoYCEEnZ0M2e0sZCIFLSOfr731beGpgYxK+tT954KPcjdtsj+VW0rWxG+V3viz89b3sE0dSqid7y17x9Y9zoh+3AzShJgTtgTbG0S/Gn3ZI04g5a5aEQNVkK8BA7gfqEXTH3FKVH85tlSYIv3ozPTRWoBKuVyzXo/OVC1eK/RfXnz6abmQHyq9H+dSuoezp0fy3c2VHvmLEWegKQUA9NPwqBBsDUx4atDFGZalIqEdgkmyhPhwpPn10I2jn3leT4fPr1xa6myCI67Vv58qnR/O7hrLbj6QaQRPNq2+3+PTRdP/F9QtXitH5iicyhZlCVQg4QZ6trxlE1wqf33jFBTUiaeUDS/WLjRwcjlPE93FCjA8GOE79o5thTggELhAIBHlB9uep84KQa0CBep1E4uXw+fUtezaetudPpIcjxUJZY9DW6+TmavXydGngUm7nmeyjvHqqv7U/ueNUZuBS7vJ0aW6pmi/1+shXQVkI5E+t7KFtjuv2l1tzDDWmFM0PGzcVgiD7OXUTMT4YaPvJTaG3NNCaEaAeASWWkrXBkXwzz//hg8nBkfxtsTa/Vv18pjQ4kv/T2ezDB5OqR/P+fckXT2Xe+HdOiBRvLFV9mfJAEepCQIjAqQe9/OmVhEI+hjfS7oM8zynFQT7BkI2L9hek5s1NoblH0L6MRz0Cqtycv33+qzsvHF/TexYfOpD4/cm7hy6uvP/18sTs0sKC0x57CoN6BGaFQBrHCiGQoxrPjdEucNIMX2gXC5lVVwqBalWjVDjpLuoR0GF89s6+C3cf2Jd44o3ErrNrg5dWPxlf+V/cabc8jkE9AtNCsPHsClqLXK2fF7gAx/PB5lyA5+SfeGFGoP3Sxh4B8AzL9JcGzf+2tu10lvqKDN72nYLNf9EtQqA5I/BIPQIACDshUAcWtI4J5Jn5rUm0xjhS/aLmOJeMOL9H0Fr+yKfu7q1HAIAcakLgRXq8HgEATSAEqEcAAJKOkGsAAIQAQgAAgRBACAAgEAIIAQAEQgAhAIBACOjlGjQLEhjGEShAHAFwCxACKvUIZGHAykRE1CMAngBCQKMegWY2BXINgHeAEFDKNQjyvGr6jnoEwDtACGglHamSsJ2pRzAxMTEFQPdMTk5CCOjMCLp7kzOoR3D9+vWrV69GmRGJRKamptjZn5iYmJ6eZmd/fHycnfHp6emJiQl29qempiKRCDv7V69ejcfjXY8Cf0CzVJkL6hGwnt3F4/FEIsHO/szMTD6fZ2d/fHycnfF8Pj8zM8POfiKRYDpQsTSgc3yoKNWoVb7QhnoEEAJjIAQGQAho1yw0LmTIsh4BhMAYCIEBEAL/1CPYlBjPdVbe2XXGbbBPSId660rjNtj3MT6rR7ApspJwHjNug33tgvmeMG6DfX/js1yDTYnxwWAwyGg4MTXO3r7ibKbzancuMG6Dfb/Ta0KwsaMpcCyGE1Pj7O0rz2U1I0VdatwG+37H90KgXFfHBE5altAfTkyMy/xn6nyjrc1Cxt1nvNk/TJ33P74XAqN1NY3hpLuBR2ms6vpPyb6e/8ov3TDZElPjpPn7bQYo2u8VfC8Em6yrBS5gbWNpM6Gx+mYy8p+GfT3/Y82v4bMwkJgab5lq6x+K9nsF3wsB63U76w1Cp/xvJpFZaZWp8Qaa/UPRfq/gdyFgvq5mPFCd85/GWSVT44QQ3f5hftDqO3woBMqvmlNAZSwp7DMYqG7xX+BNtMTUuEYTSlqtWLDfm/hNCJpfF9cIMtMslWJlXW1s3/pA9bT/rDtn0yaI5f7pWfwlBIqoEgYPRQf2LbXpaf9Zd05nTQBz+EsI2s+PKS+sYd8p47Y10aP4TAhaU8cm8u+Zhn2m9lk7b08TvYlPhECWdqa5RW1p/qjMaYN9+4zb1gTwgxC0pZ0p147WMlC0ctpg3ybn7WkCED8IgXbamfQWCeidNFkxDvu2OG9PE4AQ4mUhkCaEgkdz5gQuwAlMnSfe7RwbmwCEEC8LQfNtwSjtrGGJYU5bjA928h0xZmHqP+vOaRpDTqFNeFgItB4MmmlnqkNrBjltKv8p22fqP+vOabNPvwkgx9NC0C4FdNPO2gcq7Zw2RQvU7TP1n3XnaKo8cgpZ4S0haM9vV705rKadqePY2weqpZw2Y/8Z2KfpP1PjWk1oqjxyCtngLSEQNJLKYnxQ9rho/UQ31tVx7OrvWKJfRUPmPwP7FP1nalzThnp9QKMJoI23hEA7v13x5jCddqYXxy4XGqs5bZv5z8I+Nf+ZGtdpQqnyyClkh7eEQNDOb9faWTJtXHEjEORj1DfbGfmva5+S/0yN6zaBkwJ78JQQ6Oe3UxlKunHstAYqY/917VOxztS4QRMU7QN9PCAEjQ289oeByuax0rhuHLvpp1HPec3G2Nk35z9T4503ASmwAbcLgfSW1h41yqBzKsYpx/kbON/WmLvss3beniZAh7hbCOTvAuqLRV3jDOL8Wax0nekcTzUBOsadQiDLI5AekI0TfopJJgyNS3kE7Jwn3u0cG5sAHeNOIZDlEfCc0JAE+dvD6tMihcozMU5IM4+AlX2m/rPuHFkeAbP+B93iUiEwnCxS2DzSN0FrZ0rPf0rnAyz9Z905hlawM+gMrhUCAymgsqDUM0I9aICRfab+s+4cAzvYLXAGFwmBOs5f9XJobC3z9PaR5Y8cDePSHqPWCTt15wl9/xVRfLSNE1X/qMY7i/4B3eAWIdCK81fG4QuCtTKVRgk/lo0TQaOiVst/6/ZZ+2+gwjScb+8fZZ4CjSaAFdwhBHpx/pRn6pskLJlHt6KWN/zfGJyCohwQtc4hOv1D0T6wjDuEQD/On97mUQcJS6YR9Ctqud7/1hSmLXqKmorp9A/2A9yDS4RAP86f2lBimvBjNAtwtf+Kfm9TApoqptU/OCJwDQ4KgWrRqxvnT6cJ+gk/7Yv2pj0GFbVYJyxJptrl2KzxDvsnEOAgBc7joBC0L3ppxvnrNCH7wOro0TNuR0UtVrZpbtk52T+gWxydEWgseinF+Rs1IW/JSgt6xm2qqMUoIYeeFDjcP6ArnJ0RGKaeub0JXeO68xBvQKu3/No//sQ5IdBf9HqjCQPjXq+oFRN4XrD6F/i4f/yIm04NGL8kmDaBBa8x6B+X4xYhIMwWvbY1gSoaxqB/3IyLhAAA4BQQAgAAhAAAACEAABAIAQCAQAgAAARCAAAgEAIAAIEQAAAIhAAAQCAEAACiEgJcuHD18OW8B7hw4XL8+j+3gZMYuuet9QAAAABJRU5ErkJggg==" width="320" /></div>
<br />
<div align="center">
<table border="1" style="border-collapse: collapse; border: medium solid; width: 75%;"><tbody>
<tr><td style="color: black; text-align: left; width: 40%;"><b>LAST YEAR THIS MONTH</b></td><td style="text-align: left; width: 30%;"><b>THIS MONTH</b></td><td style="font-weight: bold; text-align: right; width: 30%;">DIFFERENCE</td></tr>
<tr><td style="text-align: left;">$187,878.14</td><td style="color: black;"><b><span style="color: #009900;">$241,536.92</span></b></td><td style="text-align: right;"><b><span style="color: #009900;">$53,658.78</span></b></td></tr>
</tbody></table>
</div>
<br />
I think I can take maybe 20% of the credit for the increase in my net worth through debt reduction and savings. But I suspect that 80% of the increase is from the market rise. In light of the fact that I'd ignored my finances this past year, I'm pleased with the results. <br />
<br />
The history of my net worth can be found <a href="http://spreadsheets.google.com/pub?key=pnNyvaT41MMMUtNGv2EpmfA"><b>here</b></a>.Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com1tag:blogger.com,1999:blog-8824441942893023866.post-71449548467659984452012-12-28T06:29:00.003-08:002012-12-28T06:29:40.378-08:00Payroll Tax Cut Savings Plan FailBack in January 2011, I <a href="http://shtinkykat.blogspot.com/2011/01/what-are-you-doing-with-social-security.html" target="_blank">planned to save the extra money </a>I got in my paycheck from Bush's Payroll Tax Cut. And I did -- I either deposited the extra $86/paycheck in my Roth or my savings account. But from my accounting records, it looks like I stopped cold turkey in July 2011. I recall that I started looking to buy a condo in July 2011 and I think I diverted the funds towards my "down payment fund." In the interim, I'd completely forgotten that my paycheck was artificially inflated and I became accustomed to the extra money.<br />
<br />
<div style="text-align: center;">
<img height="213" id="il_fi" src="http://femmefataleconqueringmarathonwithp90x.files.wordpress.com/2011/05/fell-off-wagon.jpg" style="padding-bottom: 8px; padding-right: 8px; padding-top: 8px;" width="320" /></div>
<br />
I'd already created my estimated monthly cashflow for 2013 and 2014. But now that it looks like we're going off the fiscal cliff and the Bush tax cuts will expire, I have to re-jigger my cashflow.<br />
<br />
I found this <a href="http://interactive.taxfoundation.org/taxcalc/#calculator" target="_blank">calculator</a> on the Tax Foundation's website. According to this calculator, I should expect my take-home pay to go down approximately $96 per paycheck. Back to the drawing board.<br />
<br />
I'm disappointed that I didn't have the will-power to follow through with my plan to prepare for this eventuality. I've let lifestyle inflation take over.<b> *Sigh*</b>Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com2tag:blogger.com,1999:blog-8824441942893023866.post-72425557525885431652012-12-24T07:28:00.002-08:002012-12-24T07:31:31.674-08:00PF Goals RebootI discovered my long forgotten 2008 PF Goals and had fun going through each item seeing where I beat it, where I'm on track and where I just totally strayed off course (*cough*overspending*cough*). Now that the short-term goals from 2008 done, I think it's time for a re-boot.<br />
<br />
I wonder whether I went too easy on myself, seeing that I'd accomplished all of my prior short term goals (and actually surpassed most). But on the other hand, I don't want to create unrealistic goals that will only set myself up for failure. After all, I'm easily discouraged. :-P<br />
<br />
All I pray for is that my re-boot will be better than that terrible Total Recall remake. I mean, what's the point of re-doing Total Recall without the psychic, belly mutant, Kuato?<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
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<a href="http://www.blogger.com/blogger.g?blogID=8824441942893023866" name="_GoBack"></a><span style="font-family: Arial,Helvetica,sans-serif;"><b><span style="font-size: large;">2013 Goals</span></b></span></div>
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</span><br />
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</span><br />
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<span style="font-family: Arial,Helvetica,sans-serif;"><b style="mso-bidi-font-weight: normal;">SHORT-TERM FINANCIAL GOALS (1-3
years; 2013 to 2015)</b></span></div>
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</span><br />
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<span style="font-family: Arial,Helvetica,sans-serif;">By 12/31/2013 (Age 41)</span></div>
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</span><br />
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<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Reduce:</span></div>
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</span><br />
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<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>SL debt to $42,600</span></div>
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</span><br />
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<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Mortgage to $264,500</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
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<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Personal Loan from Mom to $54,875</span></div>
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</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level2 lfo2; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Credit card debt to $13,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<span style="font-family: Arial,Helvetica,sans-serif;">TOTAL:<span style="mso-spacerun: yes;"> </span>$374,975</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l0 level2 lfo1; tab-stops: .5in; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Increase:</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>EF to $16,250</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>401k to $275,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Roth IRA to $4,500</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Traditional IRA to $4,275</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Investment account to $16,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: Arial,Helvetica,sans-serif;">By 12/31/2014 (Age 42)</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Reduce:</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level2 lfo2; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>SL debt to $36,400</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level2 lfo2; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Mortgage to $259,500</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level2 lfo2; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Personal Loan from Mom to $48,175</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level2 lfo2; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Credit card debt to $0</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<span style="font-family: Arial,Helvetica,sans-serif;">TOTAL:<span style="mso-spacerun: yes;"> </span>$344,075</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l0 level2 lfo1; tab-stops: .5in; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Increase:</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>EF to $17,450</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Increase EF savings from $100/month to
$600/month</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Start saving $150/month towards home reno or new
car fund</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>401k to $313,500</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Roth IRA to $5,350<span style="mso-tab-count: 1;"> </span></span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Traditional IRA to $4,360</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Investment account to $18,500</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: Arial,Helvetica,sans-serif;">By 12/31/2015 (Age 43)</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Reduce:</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level2 lfo2; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>SL debt to $29,560</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level2 lfo2; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Mortgage to $254,250</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level2 lfo2; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Personal Loan from Mom to $41,475</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<span style="font-family: Arial,Helvetica,sans-serif;">TOTAL:<span style="mso-spacerun: yes;"> </span>$325,285</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l0 level2 lfo1; tab-stops: .5in; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Increase:</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>EF to $24,650</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Home Reno/New Car Fund to $1,800</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>401k to $353,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Roth IRA to $6,250</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Traditional IRA to $4,500</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Investment account to $26,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><b style="mso-bidi-font-weight: normal;">MID-TERM FINANCIAL GOALS (4 – 10
years; 2016 to 2022)</b></span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: Arial,Helvetica,sans-serif;">By 12/31/2018 (Age 46)</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Reduce:</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level2 lfo2; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>SL debt to $7,400;<span style="mso-spacerun: yes;"> </span>Pay off by 9/30/2019</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level2 lfo2; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Mortgage to $236,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level2 lfo2; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Personal Loan from Mom to $21,375; Pay off by
12/31/2021</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<span style="font-family: Arial,Helvetica,sans-serif;">TOTAL:<span style="mso-spacerun: yes;"> </span>$264,775</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l0 level2 lfo1; tab-stops: .5in; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Increase:</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>EF to $43,670;<span style="mso-spacerun: yes;">
</span>Reduce EF saving rate to $170/month in June.<span style="mso-spacerun: yes;"> </span>Start saving $430/month for Annuity purchase</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Start contributing maximum yearly limit ($5500)
to IRA<span style="mso-spacerun: yes;"> </span>eff. 1/1/2019<span style="mso-tab-count: 1;"> </span></span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Annuity Fund:<span style="mso-spacerun: yes;">
</span>$2,580</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Home Reno/New Car Fund to $7,200</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>401k to $460,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Roth IRA to $9,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Traditional IRA to $5,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Investment account to $48,000 (May be reduced if
sold to purchase new car.)</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: Arial,Helvetica,sans-serif;">By 12/31/2022 (Age 50)</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Reduce:</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level2 lfo2; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Mortgage to $181,000<span style="mso-tab-count: 1;"> </span></span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<span style="font-family: Arial,Helvetica,sans-serif;">TOTAL:<span style="mso-spacerun: yes;"> </span>$181,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l0 level2 lfo1; tab-stops: .5in; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Increase:</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>EF to $51,830</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Annuity Fund:<span style="mso-spacerun: yes;">
</span>$23,220</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Home Reno/New Car Fund to $14,400 (May be
reduced if used for renovation work or new car purchase.)</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>401k to $685,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Roth IRA to $21,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Traditional IRA to $33,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Investment account to $78,000 (May be reduced if
used for renovation work or new car purchase.)</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><b style="mso-bidi-font-weight: normal;">LONG-TERM FINANCIAL GOALS (11 –
22 years; 2023 to 2034)</b></span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: Arial,Helvetica,sans-serif;">By 12/31/2027 (Age 55)</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Reduce:</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level2 lfo2; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Mortgage to $66,000<span style="mso-spacerun: yes;"> </span>(Pay off by 6/30/2030)</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<span style="font-family: Arial,Helvetica,sans-serif;">TOTAL:<span style="mso-spacerun: yes;"> </span>$66,000<span style="mso-tab-count: 1;"> </span></span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l0 level2 lfo1; tab-stops: .5in; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Increase:</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>EF to $62,030</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Annuity Fund:<span style="mso-spacerun: yes;">
</span>$46,400+</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Home Reno/New Car Fund to $23,400 (May be
reduced if used for renovation work or new car purchase.)</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>401k to $1,000,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Roth IRA to $38,500</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Traditional IRA to $87,500</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Investment account to $116,000 (May be reduced
if used for renovation work or new car purchase.)</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: Arial,Helvetica,sans-serif;">By 12/31/2034 (Age 62)</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l0 level2 lfo1; tab-stops: .5in; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Increase:</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>EF to $76,310</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Purchase $50,000 Annuity </span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Home Reno/New Car Fund to $36,000 (May be
reduced if used for renovation work or new car purchase.)</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>401k to $1.7 million</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Roth IRA to $54,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Traditional IRA to $182,000</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level2 lfo3; text-indent: -.25in;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-list: Ignore;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span>Investment account to $169,200</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-family: Arial,Helvetica,sans-serif;">RETIRE!!!</span></b></div>
Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com0tag:blogger.com,1999:blog-8824441942893023866.post-27013562456988884482012-12-23T07:17:00.001-08:002012-12-23T07:27:37.007-08:00Auto Pilot Did Not Crash My FinancesBased upon my blogging history, I clearly lost interest in regularly documenting my finances in 2010. Once I <a href="http://shtinkykat.blogspot.com/2009/10/i-am-now-officially-credit-card-debt.html" target="_blank">paid off my my credit card</a> and <a href="http://shtinkykat.blogspot.com/2009/02/friday-13th-is-my-lucky-day-i-paid-off.html" target="_blank">my car loan</a> in 2009 and my <a href="http://shtinkykat.blogspot.com/2011/03/paid-off-my-private-student-loans.html" target="_blank">private student loans</a> in 2011, a heavy burden was lifted. My only remaining debt was my federal student loan and I had the luxury of putting my finances on auto-pilot. I didn't blog because, well, who really wants to read the same boring mundane details of auto-pilot financing every month, much less every day?<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWKSuQ1MGYYjLXvEsvTGpbTHmuWtNaPWUu3xyynJ6gqJH6viFzksiF98v3lDWtw3esdQbdKojXC-jpmk5Z0DtOhrqaYC1DIHV_fC8gq7bxqHcy9SC0vX0ubvfNj6bRSpz9gIT126eyT8vr/s1600/otto-pilot.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="197" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWKSuQ1MGYYjLXvEsvTGpbTHmuWtNaPWUu3xyynJ6gqJH6viFzksiF98v3lDWtw3esdQbdKojXC-jpmk5Z0DtOhrqaYC1DIHV_fC8gq7bxqHcy9SC0vX0ubvfNj6bRSpz9gIT126eyT8vr/s320/otto-pilot.jpg" width="320" /></a></div>
<br />
Now that 2012 is almost coming to a close, I was cleaning up my financial data and discovered a document I created in 2008 titled, "PF Goals." I'd forgotten that I'd created the document and was curious whether I'd accomplished goals that I set for myself in 2008.<br />
<br />
I'm happy (and pleasantly surprised) to report that I had accomplished all of my short-term goals (1 - 3 years) and a big chunk of my mid-term goals. I'm also amused that some of my mid-term goals (4-10 years) and my long term goals (10+ years) will need to be revised due to the fact that I will no longer be able to achieve those goals since my circumstances have changed. (At the time I wrote these goals, I planned to pay off my student loans before I purchased my condo. But, alas, I ended up buying a condo while I was still paying off my student loans. Oh, and the condo was significantly more expensive that I had originally budgeted. Hence, why I'll never be able to reduce my debt as aggressively as I had hoped back in 2008. *Sigh*)<br />
<br />
I'm a bit freaked out because my mid-term goals from 2008 will now be my short-term goals in 2013. Some of my 2008 long-term goals are now part of my mid-term goals. The steady march of time is relentless and scary some times.<br />
<br />
Anyhow, here's what my <b>2008 PF Goals</b> Looked Like:<br />
<br />
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<![endif]--><span style="font-family: Arial,Helvetica,sans-serif;">SHORT-TERM FINANCIAL GOALS (1 to 3 years)</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">Pay
off car loan in 1 year (or, if laid off, use severance to pay off
immediately)</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">Reduce
total debt to $110,500 after 1 year</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">Increase
EF to $5,000 after 1 year</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">Increase
401k to $115,000</span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">Pay
off credit card in 2 years (or, if laid off, use severance to pay off
immediately)</span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">Reduce
total debt to $92,200 after 2 years (Finally under six figures!)</span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">Increase
EF to $7,500 after 2 years</span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">Increase
401k to $135,000 after 2 years</span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">Reduce
total student loan debt to approximately $74,000 in 3 years</span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">Increase
EF to $9,000 after 3 years</span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">Increase
401k to $157,500 after 3 years </span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">If
severance used to pay off car loan/credit card early, then need to save an
additional $9,000 </span></li>
</ul>
<span style="font-family: Arial,Helvetica,sans-serif;"></span>As I've mentioned, I've accomplished everything above and then some more. (Note: I fortunately did not get laid off so I didn't use any "severance" money to pay off my debts.)<br />
<br />
A lot of mid-to-long term <b>2008 PF Goals</b> are either already accomplished or will unlikely be accomplished so they will need to be tweaked. The goals that will need to be tweaked because they are already accomplished are in <span style="color: red;"><span style="color: blue;">blue.</span> </span>The goals that will need to be tweaked because they are now infeasible, are in <span style="color: red;">red. </span> <br />
<br />
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<![endif]--><span style="font-family: Arial,Helvetica,sans-serif;">MID-TERM FINANCIAL GOALS (4 to 10 years)</span><span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="color: blue;"><span style="font-family: Arial,Helvetica,sans-serif;">Reduce
total debt to $53,700 in 4 years</span></span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-bidi-font-weight: normal;"><span style="color: blue;">Pay off private SL in 4.5 years</span> </span> </span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;"><span style="color: blue;">Increase
EF to $10,200 in 4 years</span> <b style="mso-bidi-font-weight: normal;"> </b></span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;"><span style="color: blue;"><span style="mso-bidi-font-weight: normal;">Buy my first home in 4-5 years (Age
40-41) </span></span> </span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="color: red;"><span style="font-family: Arial,Helvetica,sans-serif;">Reduce
total debt to $33,000 in 5 years</span></span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="color: blue;"><span style="font-family: Arial,Helvetica,sans-serif;">Increase
EF to $11,400 in 5 years</span></span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="color: blue;"><span style="font-family: Arial,Helvetica,sans-serif;">Increase
401k to $209,000 in 5 years</span></span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;"><span style="color: blue;">Reduce
total debt to $11,000 in 6 years</span> </span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="color: blue;"><span style="font-family: Arial,Helvetica,sans-serif;">Increase
EF to $12,600 in 6 years<b style="mso-bidi-font-weight: normal;"><span style="mso-tab-count: 1;"></span></b></span></span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="color: red;"><span style="font-family: Arial,Helvetica,sans-serif;">Be
debt free (except mortgage) in 7 years<b style="mso-bidi-font-weight: normal;"><span style="mso-spacerun: yes;"></span></b></span></span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;"><span style="color: blue;">Increase
EF to $13,800 in 7 years</span></span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;"><span style="color: blue;">Increase
401k balance to $386,000 in 10 years</span></span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;"><span style="color: red;">Increase
EF to $50,000 in 10 years</span></span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;"><span style="color: red;">Increase
Roth balance to $33,000 in 10 years</span></span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo1; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">I’d
like there to be a significant balance in my taxable investment account
but no monetary goal at this time.<span style="mso-spacerun: yes;"> </span></span><span style="font-family: Arial,Helvetica,sans-serif;"> </span></li>
</ul>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<div class="MsoNormal">
<span style="font-family: Arial,Helvetica,sans-serif;">LONG TERM FINANCIAL GOALS (10+ years)</span></div>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span><br />
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="color: red;"><span style="font-family: Arial,Helvetica,sans-serif;">Buy a
new car… in CASH in 7-10
years.</span></span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="color: red;"><span style="font-family: Arial,Helvetica,sans-serif;">Increase
Roth balance to $65,000 in 15 years.</span></span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">Increase
401k balance to $667,000 in 15 years.<span style="mso-spacerun: yes;">
</span> </span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;"><span style="color: red;">Increase
EF to $110,000 in 15 years.</span><span style="mso-spacerun: yes;"> </span></span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">Increase
401k balance to $1.1 M in 20 years</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">Increase
Roth balance to $131,310 in 20 years<span style="mso-spacerun: yes;"> </span></span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">Pay
off mortgage in 20 years.:</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;"><span style="mso-spacerun: yes;"></span>After
mortgage paid off, work towards downshifting career.<span style="mso-spacerun: yes;"> </span>See if part time employment possible.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;">I’d
like there to be a significant balance in my taxable investment account
but no monetary goal at this time.<span style="mso-spacerun: yes;"> </span></span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-family: Arial,Helvetica,sans-serif;"><span style="color: red;">Buy
immediate annuity to replace 10% of cost of living at age 62.</span><span style="mso-spacerun: yes;"> </span><b style="mso-bidi-font-weight: normal;"><span style="mso-tab-count: 1;"></span></b></span></li>
</ul>
<div class="MsoNormal">
I guess I should start creating a new PF Goals v.2013. Maybe in December 2016, I'll look back at the 2013 PF Goals and see what I've accomplished (or not).</div>
Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com3tag:blogger.com,1999:blog-8824441942893023866.post-64143580350984993382012-02-04T10:04:00.000-08:002012-02-04T11:07:03.777-08:00January 2012 Progress ReportBoy, how quickly time flies. I can't believe that January has come and gone. I've been keeping busy with my condo rehab/reno work and I've lost track of time.<br /><u><strong><span style="font-size:130%;"><br />MY DEBT</span></strong></u><br /><br /><div align="center"><table style="border: medium solid; width: 75%; border-collapse: collapse;" border="1"><tbody><tr><td style="width: 40%; text-align: left;"><strong></strong><br /></td><td style="width: 30%; text-align: right;"><p align="left"><strong>Starting Debt (6/08)</strong></p></td><td style="font-weight: bold; width: 30%; text-align: left;">Last Month</td><td style="width: 40%; text-align: left;"><strong>This Month</strong></td><td style="width: 40%; text-align: left;"><span style="font-size:85%;"><strong>DIFFERENCE</strong></span></td></tr><tr><td style="text-align: left;"><span style="font-weight: bold;">Private SL</span></td><td style=""><strong style="font-weight: normal;">$49,528.99</strong></td><td style="text-align: left; color: rgb(0, 0, 0);"><strong style="font-weight: normal;">$0.00</strong></td><td style="text-align: left;">$0.00</td><td style="text-align: left; font-weight: bold; color: rgb(0, 153, 0);">$(0.00)</td></tr><tr><td style="text-align: left;"><span style="font-weight: bold;">Fed'l SL</span></td><td style=""><strong style="font-weight: normal;">$55,852.68</strong></td><td style="text-align: left; color: rgb(0, 0, 0);">$50,334.47</td><td style="text-align: left;">$50,115.88</td><td style="text-align: left; font-weight: bold; color: rgb(0, 153, 0);">$(218.59)</td></tr><tr><td style="text-align: left;"><span style="font-weight: bold;">Car Loan</span><br /></td><td style=""><strong style="font-weight: normal;">$9,779.33</strong></td><td style="text-align: left; color: rgb(0, 0, 0);"><strong style="font-weight: normal;">$0.00</strong></td><td style="text-align: left;">$0.00</td><td style="text-align: left; font-weight: bold; color: rgb(0, 153, 0);">$(0.00)</td></tr><tr><td style="text-align: left;"><span style="font-weight: bold;">Mortgage (1/6/12)</span><br /></td><td style=""><strong style="font-weight: normal;">$274,000.00</strong></td><td style="text-align: left; color: rgb(0, 0, 0);"><strong style="font-weight: normal;">$0.00</strong></td><td style="text-align: left;">$274,000.00</td><td style="text-align: left; font-weight: bold; color: rgb(0, 153, 0);"><span style="color: rgb(255, 0, 0);">$274,000.00</span><br /></td></tr><tr><td style="text-align: left;"><span style="font-weight: bold;">Bank of Mom (1/6/12)<br /></span></td><td style=""><strong style="font-weight: normal;">$68,500.00</strong></td><td style="text-align: left; color: rgb(0, 0, 0);"><strong style="font-weight: normal;">$0.00</strong></td><td style="text-align: left;">$68,050.00</td><td style="text-align: left; font-weight: bold; color: rgb(0, 153, 0);"><span style="color: rgb(255, 0, 0);">$68,050.00</span><br /></td></tr><tr><td style="text-align: left;"><span style="font-weight: bold;">CC<br /></span></td><td style=""><strong style="font-weight: normal;">$18,753.00</strong><br /></td><td style="text-align: left; color: rgb(0, 0, 0);"><strong style="font-weight: normal;">$0.00</strong></td><td style="text-align: left;">$18,753.00</td><td style="text-align: left; font-weight: bold; color: rgb(0, 153, 0);"><span style="color: rgb(255, 0, 0);">$18,753.00</span><br /></td></tr><tr><td style="text-align: left;"><span style="font-weight: bold;">TOTAL<br /></span></td><td style=""><strong style="font-weight: normal;">$476,414.00</strong></td><td style="text-align: left; color: rgb(0, 0, 0);"><strong style="font-weight: normal;">$50,334.47</strong></td><td style="text-align: left; font-weight: bold;">$410,918.88<br /></td><td style="text-align: left; font-weight: bold; color: rgb(0, 153, 0);"><span style="color: rgb(255, 0, 0);">$360,584.41</span><br /></td></tr></tbody></table></div><br /><br />Oh boy. I'm swimming in a big sea of red. The mortgage and Bank of Mom debts were incurred to buy my condo. The $18,753 credit card debt was incurred to pay for my couch and renovation work at my condo (50% completed at this time). The credit card debt will continue to increase next month when my condo rehab/renovation work will be completed. The credit card debt is currently financed with 0% interest for the next 21 months.<br /><br />Incurring so much cc debt to "pretty-up" my condo wasn't a prudent decision on my part, undoubtedly. But quite frankly, I would rather eat rice and beans everyday to pay for a "pretty" condo than to live in the squalor that the prior owner lived. I hope to retire in this condo free and clear before I hit 60, so doing as much renovation work now makes sense to me. Besides, what's done is done. I can't turn back the clock.<br /><br /><a href="http://spreadsheets.google.com/pub?key=pnNyvaT41MMMVJ7TI6PPRPg"><strong></strong></a><br /><u><strong><span style="font-size:130%;">SAVINGS</span></strong></u><br /><br /><div align="center"><table style="border: medium solid; width: 75%; border-collapse: collapse;" border="1"><tbody><tr><td style="width: 40%; text-align: left;"><strong>LAST MONTH</strong></td><td style="width: 30%; text-align: right;"><p align="left"><strong>THIS MONTH</strong></p></td><td style="font-weight: bold; width: 30%; text-align: right;">DIFFERENCE</td></tr><tr><td style="text-align: left;">$14,338.29</td><td style=""><strong>$14,437.72</strong></td><td style="text-align: right;"><strong><span style="color: rgb(0, 153, 0);">+$99.43</span></strong></td></tr></tbody></table></div><br /><br />The savings I report here is with respect to my emergency fund only and does not include my future spending earmarks. Currently, the total amount in my liquid savings account is <span style="font-weight: bold;">$23,430.54.</span><br /><br /><br /><u><strong><span style="font-size:130%;">MY ROP (LIFE INS) FUND</span></strong></u><br /><br /><div align="center"><table style="border: medium solid; width: 75%; border-collapse: collapse;" border="1"><tbody><tr><td style="width: 40%; text-align: left;"><strong>LAST MONTH<br /></strong></td><td style="width: 30%; text-align: right;"><p align="left"><strong>THIS MONTH</strong></p></td><td style="font-weight: bold; width: 30%; text-align: right;">DIFFERENCE</td></tr><tr><td style="text-align: left;">$1,709.88</td><td style=""><strong>$1,823.93</strong></td><td style="text-align: right;"><strong><span style="color: rgb(0, 153, 0);">+$114.05</span></strong></td></tr></tbody></table></div><br /><br /><a href="http://shtinkykat.blogspot.com/2010/04/my-diy-rop-life-insurance-policy.html"><span style="font-weight: bold;">Long story short</span></a>, I'm pretending to pay myself an additional $55/month for a "hypothetical" return of premium (ROP) term life insurance policy. I'm basically trying to "earn" back the term life insurance premiums through savings and investments. I had a nominally negative return in 2011 but 2012 is starting to look pretty decent. I've so far "recouped" 55.88% of the premiums I've paid so far and I still have 27 more years to go.<br /><br /><br /><u><strong><span style="font-size:130%;">MY NET WORTH</span></strong></u><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjd8pFu-e3i9w4Ncpbq3vrwmZKtAD4hqdGUIk1ds02FkWBZWk0K6y96gMueugKORd9Maj8ynXADM3xlqKnLwHCCMe1U0HRJ7wfM9cy018h42cdwXa0cgvtcdFaNrI2XsqRrfoaj2i8__Wcr/s1600/NW+Reg.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 153px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjd8pFu-e3i9w4Ncpbq3vrwmZKtAD4hqdGUIk1ds02FkWBZWk0K6y96gMueugKORd9Maj8ynXADM3xlqKnLwHCCMe1U0HRJ7wfM9cy018h42cdwXa0cgvtcdFaNrI2XsqRrfoaj2i8__Wcr/s320/NW+Reg.jpg" alt="" id="BLOGGER_PHOTO_ID_5705355152673889842" border="0" /></a><br /><br /><div align="center"><table style="border: medium solid; width: 75%; border-collapse: collapse;" border="1"><tbody><tr><td style="width: 40%; text-align: left; color: rgb(0, 0, 0);"><strong>LAST MONTH</strong></td><td style="width: 30%; text-align: left;"><strong>THIS MONTH</strong></td><td style="font-weight: bold; width: 30%; text-align: right;">DIFFERENCE</td></tr><tr><td style="text-align: left; color: rgb(0, 0, 0);"><strong><span style="color: rgb(0, 153, 0);">$179,586.72</span></strong></td><td style="color: rgb(0, 0, 0);"><strong><span style="color: rgb(0, 153, 0);">$187,878.14</span></strong></td><td style="text-align: right;"><span style="color: rgb(0, 153, 0);"><strong></strong></span><strong><span style="color: rgb(0, 153, 0);">$8,291.42</span></strong></td></tr></tbody></table></div><br /><br />My <a href="http://spreadsheets.google.com/pub?key=pnNyvaT41MMMUtNGv2EpmfA"><strong>networth</strong></a> chart now includes a new asset for "home." Problem is, what IS the market value of my home? I know the answer is the amount for which a buyer is currently willing to purchase my condo. But unless I put my home on the market, I really won't know, would I? <br /><br />Zillow is claiming that my home value is up $40,000 from when I closed. Suuuuuure. I believe that! Just based upon my limited search of my co-workers'/friends' home values, I think Zillow's proprietary algorithm is biased favorably towards recent purchasers. Rather than using the Zillow valuation for my home, I'm just going to use my cost basis (i.e., purchase price plus cost of renovations). This probably isn't an accurate reflection of the market value of my home, but it will at least keep me updated on my cost basis.<br /><br />The breakdown and the history of my net worth can be seen <a href="http://spreadsheets.google.com/pub?key=pnNyvaT41MMMUtNGv2EpmfA"><strong>here</strong></a>.Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com2tag:blogger.com,1999:blog-8824441942893023866.post-15131788908674215702012-01-22T08:22:00.000-08:002012-01-22T08:35:55.346-08:00The Whole Year Inn (Actually, The Hole I'm In)I've dug a financial hole for myself and I can't seem to stop digging. The total cost of my renovations is... drumroll please... $30,355. And this doesn't include appliances (fridge, washer and dryer) or living room furniture.<br /><br />Everyone tells me, "Don't try to do everything at once." I know, I know. I hear the advice and my common sense tells me this is absolutely correct. But I've succumbed to my demons and I've resigned myself to massive consumer debt once again. <br /><br />This is no excuse, but I'm almost turning 40 and I've lived like a college student for the past 22 years. I'm sick of it. I've lived in a 1 BR/1 Bath apartment forever with a daybed as a sofa. I'm not saying I deserve a richly furnished/decorated home, but I finally want to be able to put my imprint on a place I call "home."<br /><br />Due to my excellent credit, I'll be able to finance most of this project on a 0% interest loan for 2 years. Only time will tell how well I pay this down.Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com4tag:blogger.com,1999:blog-8824441942893023866.post-44503997796880327872012-01-17T05:57:00.000-08:002012-01-17T06:17:27.025-08:00I've Dug A Hole For Myself AgainOut of sheer frustration at the amount of work needed to rehabilitate my condo and because I'm not so handy (I don't even own a power drill), I contacted a highly recommended general contractor to do some work for me. My list was initially short and modest. But as I was going through the work that needed to be done, I started adding in extras that I wanted. <br /><br />Here was my original "need-to-do" list:<br />1.) Fix garage door opener and hardware ($650);<br />2.) Patch drywall and paint ceilings/walls and replace baseboards ($5,000);<br />3.) Replace corroded pipes under sinks ($1,000);<br />4.) Replace broken fire door ($950);<br />5.) Get HVAC/furnace serviced ($100 + repairs extra);<br />6.) Remove heavily soiled carpeting and replace ($4,000);<br />7.) Replace kitchen sink and broken garbage disposal ($1,325);<br />8.) Refinish tubs in master and guest bathroom ($1,650).<br /><span style="font-weight: bold;">TOTAL: $14,675</span><br /><br />Not too crazy, right? After all, most of those items were recommended by my inspector.<br /><br />As I was walking through the condo explaining my needs, my mouth detached from my brain and started spouting off stuff I <span style="font-style:italic;">wanted</span> done as well. Suddenly, I no longer wanted carpet; I wanted hardwood floors. I couldn't live with the ugly fluorescent lights -- I wanted recessed pot lights in the living room and kitchen. I also wanted a ceiling fan with lights in the master and guest bedroom, which requires additional electrical work. The drab laundry room needed some pizzaz, so I wanted a glass backsplash added to the walls between the cabinets. And here's the <span style="font-style: italic;">p</span><i>ièce de résistance -- </i>I want<i> </i>the guest bathroom entirely remodeled because the fiberglass tub is old and cracked.<br /><br />*Sigh*<br /><br />I'll let you fine folks guess how much my revamped rehab/remodel job is going to cost me. I'm a bit depressed right now to tell you how I intend to finance this as well, but as I'm sure you've already guessed, I'm going back into consumer debt. <br /><br />*Sigh*Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com4tag:blogger.com,1999:blog-8824441942893023866.post-27303998006810416782012-01-08T09:09:00.001-08:002012-01-14T05:49:12.899-08:00Manual Labor is Hard (Or Maybe I'm Just a Wimp)Thank you for your well wishes! I spent most of the week cleaning and dusting the condo. Unfortunately, the prior owner <del> was not much of a housekeeper</del> was a disgusting pig and the place (especially the kitchen), was pretty nauseating. To be fair, though, I really have no basis to criticize. After all, I had difficulty locating a bottle of pledge in my current apartment. :-P<br /><br />The one thing about short sales is that the seller really doesn't give a sh!t about the home. (Although in my case, I don't think the prior owner <span style="font-style: italic;">ever </span>had any concept of scrubbing/dusting/wiping.) I've heard about owners throwing fire crackers or cement down toilets and virtually gutting the place before they lose their home. I don't have anything egregious like that, but this owner has pretty much neglected this unit for the past 14 years she owned this.<br /><br />For example:<br /><br />14 years of dust accumulation in the fireplace screen:<br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLLRQpE_8RQAFUB5zm3PLiETM9OF7FWxJcP4t-PedwuoEq7x5cV3A6kd2birfdWOL6OKxYmEm4zGxaPq7TGy0Rr3WX6i2UqFXyVs_8WUz2kC8GxvEJC0Lhoq6UG-Jf-qgPCEJ-z6_cp_Vf/s1600/P1010043.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 240px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLLRQpE_8RQAFUB5zm3PLiETM9OF7FWxJcP4t-PedwuoEq7x5cV3A6kd2birfdWOL6OKxYmEm4zGxaPq7TGy0Rr3WX6i2UqFXyVs_8WUz2kC8GxvEJC0Lhoq6UG-Jf-qgPCEJ-z6_cp_Vf/s320/P1010043.JPG" alt="" id="BLOGGER_PHOTO_ID_5697479319011912146" border="0" /></a><br /><br />Debris on kitchen floor:<br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEii52NdN2Qf-IqNzubOsjQtRyG_tCnube1zEqscihIoNW0jPiEqFsCpokut64VFFd6z0U-NkAmNbuVb4M2w7YLUQUAwV6S_eX74qR9Lbtk7wQ5sgFnLr67t_EDJURxqlAaKvyZQCyqxEKBU/s1600/P1010056.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 240px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEii52NdN2Qf-IqNzubOsjQtRyG_tCnube1zEqscihIoNW0jPiEqFsCpokut64VFFd6z0U-NkAmNbuVb4M2w7YLUQUAwV6S_eX74qR9Lbtk7wQ5sgFnLr67t_EDJURxqlAaKvyZQCyqxEKBU/s320/P1010056.JPG" alt="" id="BLOGGER_PHOTO_ID_5697480137497225890" border="0" /></a><br /><br />Filthy dishwasher:<br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikX8ib-fJA-xcWLHx2kuqzcboXA0SUYOgarxd7Uwr9JpmSei-2qnpx5CAEvsjuP9JAzw8qMmERa2XEQqS57ppoYw-4voxhYPvo6PdijG9kZaRTqXKFBQx6uUCJmRHR_mS8osTKAPIOTeP3/s1600/P1010067.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 240px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikX8ib-fJA-xcWLHx2kuqzcboXA0SUYOgarxd7Uwr9JpmSei-2qnpx5CAEvsjuP9JAzw8qMmERa2XEQqS57ppoYw-4voxhYPvo6PdijG9kZaRTqXKFBQx6uUCJmRHR_mS8osTKAPIOTeP3/s320/P1010067.JPG" alt="" id="BLOGGER_PHOTO_ID_5697480644412550162" border="0" /></a><br /><br />Deeesgusting kitchen sink:<br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitAgi-mPGuDIQ2XkzOhGZoLCFzrfvPmyFZ1A5SifNYCv7HazR1drJEeYvZWaFgEGtQe0TX0bciTkqpcnyfATq892IIgXkdNnxu6xTZnRtlYU0T7gxdeXcs_F9l41P6tBWfH5iGwGSl8nLp/s1600/P1010052.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 240px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitAgi-mPGuDIQ2XkzOhGZoLCFzrfvPmyFZ1A5SifNYCv7HazR1drJEeYvZWaFgEGtQe0TX0bciTkqpcnyfATq892IIgXkdNnxu6xTZnRtlYU0T7gxdeXcs_F9l41P6tBWfH5iGwGSl8nLp/s320/P1010052.JPG" alt="" id="BLOGGER_PHOTO_ID_5697481610583245650" border="0" /></a><br /><br />As I've said, I've been scrubbing like I've never scrubbed before.<br /><br />Before and After of the Gross Kitchen Drawer:<br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5TbTEJ2P0tIDgtrlA9P8a5OVil1qoXl1eFyrOZVPAOi-O7QXqBSU6vJmhg0y-oNXnV0DdaIsM1Q0CDV832e9zWGVNBhLjAxV91-EApu0psHT08Oc7OyWhsiRujjNNapzwMsphrnXCzBiF/s1600/Kitchen+Drawer.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 141px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5TbTEJ2P0tIDgtrlA9P8a5OVil1qoXl1eFyrOZVPAOi-O7QXqBSU6vJmhg0y-oNXnV0DdaIsM1Q0CDV832e9zWGVNBhLjAxV91-EApu0psHT08Oc7OyWhsiRujjNNapzwMsphrnXCzBiF/s320/Kitchen+Drawer.jpg" alt="" id="BLOGGER_PHOTO_ID_5697482030297829586" border="0" /></a><br /><br />Before and After of the Dirty Countertop Tile Grout:<br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjthnMR0OvgcqojbTsdoMhKeX34lCzbjhb0difYK_LM0IfxoeWf5quY2VKzCTQgUeyV4PkySNxmUWCN4iwNB4oax5-sJtjWh7VPVvgxIBwLrHGaz-wIZXbWNA3fa5dFuJXCY5hP3SAPDcdG/s1600/P1010057.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 200px; height: 150px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjthnMR0OvgcqojbTsdoMhKeX34lCzbjhb0difYK_LM0IfxoeWf5quY2VKzCTQgUeyV4PkySNxmUWCN4iwNB4oax5-sJtjWh7VPVvgxIBwLrHGaz-wIZXbWNA3fa5dFuJXCY5hP3SAPDcdG/s200/P1010057.JPG" alt="" id="BLOGGER_PHOTO_ID_5697482920226357538" border="0" /></a><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAZVDVXJr6fUlSeitjEsjggFePlvB_2xgnNLTV-g7liCEHUjprZvCBFI8gNWj_3qYaCPRtnN01Rrrws-bKdZCm8fKwJEIk0SUgaSDaF1jysb0pyO5cYYzbfvxz5QrGjmLNWUO09U6dBeXY/s1600/P1010073.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 200px; height: 150px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAZVDVXJr6fUlSeitjEsjggFePlvB_2xgnNLTV-g7liCEHUjprZvCBFI8gNWj_3qYaCPRtnN01Rrrws-bKdZCm8fKwJEIk0SUgaSDaF1jysb0pyO5cYYzbfvxz5QrGjmLNWUO09U6dBeXY/s200/P1010073.JPG" alt="" id="BLOGGER_PHOTO_ID_5697482928585394898" border="0" /></a><br /><br />Tile Floor Grout Cleaning in Progress:<br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimp2gNTNzkCMxCDbLStKi8dJIeJmHuH4K3I4UZtMdI9mQCHxPOVRZBZCa-ie8d6gd5zL0IYh8KkfaQGaDV5Jg523pH-DTdgy-o1F8dXiPVxj9RsEUvEmTRJe0zM6tWCLuXS1evwqyf8N6x/s1600/P1010090.JPG"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 200px; height: 150px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimp2gNTNzkCMxCDbLStKi8dJIeJmHuH4K3I4UZtMdI9mQCHxPOVRZBZCa-ie8d6gd5zL0IYh8KkfaQGaDV5Jg523pH-DTdgy-o1F8dXiPVxj9RsEUvEmTRJe0zM6tWCLuXS1evwqyf8N6x/s200/P1010090.JPG" alt="" id="BLOGGER_PHOTO_ID_5697483418728513330" border="0" /></a><br /><br />I am completely pooped from the scrubbing, sweeping, mopping, that I've been doing this past week. And I still have to do the Master Bathroom and Laundry Room. Manual labor is hard and I'm not even doing the heavy stuff! I'm a total wimp.Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com0tag:blogger.com,1999:blog-8824441942893023866.post-31872966215024480022012-01-07T03:39:00.000-08:002012-01-07T03:44:56.698-08:00I (Finally) Closed!I finally closed yesterday evening. I immediately went to my condo and discovered that I had no electricity. I had to inspect the unit using my flashlight app on my phone. Although my vision was limited, the prior owner had completely removed all of her belongings and left no trash behind, which was a relief. Now comes the hard stuff like cleaning, painting, installing new flooring, fixing the garage door, etc.Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com4tag:blogger.com,1999:blog-8824441942893023866.post-20935675463477982192012-01-02T07:56:00.000-08:002012-01-03T20:50:31.982-08:002011 Final Financial Progress ReportI hope you all had a wonderful holiday.<br /><br />I started writing a rant about how my idiot lender failed to step up to the plate to fund my mortgage by 12/30/2011, the deadline of the short sale consent. But I also hated the thought of starting the New Year on a negative tone. I guess I'll just do a 2011 financial progress report wrap up first and then go on my rant.<br /><u><strong><span style="font-size:130%;"><br />MY DEBT</span></strong></u><br /><br /><div align="center"><table style="border: medium solid; width: 75%; border-collapse: collapse;" border="1"><tbody><tr><td style="width: 40%; text-align: left;"><strong></strong><br /></td><td style="width: 30%; text-align: right;"><p align="left"><strong>Starting Debt (6/08)</strong></p></td><td style="font-weight: bold; width: 30%; text-align: left;">Last Month</td><td style="width: 40%; text-align: left;"><strong>This Month</strong></td><td style="width: 40%; text-align: left;"><span style="font-size:85%;"><strong>DIFFERENCE</strong></span></td></tr><tr><td style="text-align: left;"><span style="font-weight: bold;">Private SL</span></td><td style=""><strong style="font-weight: normal;">$49,528.99</strong></td><td style="text-align: left; color: rgb(0, 0, 0);"><strong style="font-weight: normal;">$0.00</strong></td><td style="text-align: left;">$0.00</td><td style="text-align: left; font-weight: bold; color: rgb(0, 153, 0);">$(0.00)</td></tr><tr><td style="text-align: left;"><span style="font-weight: bold;">Fed'l SL</span></td><td style=""><strong style="font-weight: normal;">$55,852.68</strong></td><td style="text-align: left; color: rgb(0, 0, 0);"><strong style="font-weight: normal;">$50,486.69</strong></td><td style="text-align: left;">$50,334.47</td><td style="text-align: left; font-weight: bold; color: rgb(0, 153, 0);">$(152.22)</td></tr><tr><td style="text-align: left;"><span style="font-weight: bold;">Car Loan<br /></span></td><td style=""><strong style="font-weight: normal;">$9,779.33</strong></td><td style="text-align: left; color: rgb(0, 0, 0);"><strong style="font-weight: normal;">$0.00</strong></td><td style="text-align: left;">$0.00</td><td style="text-align: left; font-weight: bold; color: rgb(0, 153, 0);">$(0.00)</td></tr><tr><td style="text-align: left;"><span style="font-weight: bold;">CC<br /></span></td><td style=""><strong style="font-weight: normal;">$13,610.75</strong></td><td style="text-align: left; color: rgb(0, 0, 0);"><strong style="font-weight: normal;">$0.00</strong></td><td style="text-align: left;">$0.00</td><td style="text-align: left; font-weight: bold; color: rgb(0, 153, 0);">$(0.00)</td></tr><tr><td style="text-align: left;"><span style="font-weight: bold;">TOTAL<br /></span></td><td style=""><strong style="font-weight: normal;">$128,771.75</strong></td><td style="text-align: left; color: rgb(0, 0, 0);"><strong style="font-weight: normal;">$50,486.69</strong></td><td style="text-align: left; font-weight: bold;">$50,334.47</td><td style="text-align: left; font-weight: bold; color: rgb(0, 153, 0);">$(152.22)</td></tr></tbody></table></div><br /><br />I'm really proud of the fact that I had reduced my debt by 61% over the past 3.5 years. Although I still have a big student loan balance (>$50k), looking at this chart always makes me happy because it shows how far I've come.<br /><br />I was planning to <a href="http://spreadsheets.google.com/pub?key=pnNyvaT41MMMVJ7TI6PPRPg"><strong>snowball</strong></a> my remaining student loan debts and pay it off by 2014. I instead got impatient and antsy about plunging into the real estate market because both the housing market and interest rates are really low right now. I realize that both the housing market and interest rates could go lower in the upcoming year(s), but it probably won't matter. Unless the housing market suffers another catastrophic drop and the other unit owners default <span style="font-style: italic;">en masse</span>, the price of my unit is irrelevant. I intend too live in my condo for a long time, possibly for the rest of my life.<br /><br />Next month, I will be incurring <span style="font-style: italic;">significant </span>debt. My additional debt will include a $274,000 mortgage (@ 3.825% interest) and a $68,500 "personal loan" from mom (@ 0% interest). If all goes to plan, I will pay off my student loans by 9/2019, Bank of Mom by 2/2022 and my mortgage by 2/2030. I suspect neither Suze Orman nor David Ramsey will approve my recent financial moves but <span style="font-style: italic;">c'est la vie</span>.<br /><br />Note: A commenter made a good point that the IRS will impose an imputed interest upon the lender in a 0% loan. I call it a "loan" but my mom will actually be on the deed to the home. When my mom quit claim deeds or passes away (and her interest gets transferred to me), there will be tax implications. <br /><a href="http://spreadsheets.google.com/pub?key=pnNyvaT41MMMVJ7TI6PPRPg"><strong></strong></a><br /><u><strong><span style="font-size:130%;">SAVINGS</span></strong></u><br /><br /><div align="center"><table style="border: medium solid; width: 75%; border-collapse: collapse;" border="1"><tbody><tr><td style="width: 40%; text-align: left;"><strong>LAST MONTH</strong></td><td style="width: 30%; text-align: right;"><p align="left"><strong>THIS MONTH</strong></p></td><td style="font-weight: bold; width: 30%; text-align: right;">DIFFERENCE</td></tr><tr><td style="text-align: left;">$14,038.86</td><td style=""><strong>$14,338.29</strong></td><td style="text-align: right;"><strong><span style="color: rgb(0, 153, 0);">+$299.43</span></strong></td></tr></tbody></table></div><br /><br />The savings I report here is with respect to my emergency fund only and does not include my future spending earmarks. My unreported earmarked savings (i.e., spending fund) balance is currently $5,343. This money is earmarked for expected expenditures like car repair, insurance premiums, etc. I have another $5,450 set up towards the repair costs of my condo. I suspect that amount is woefully inadequate.<br /><br /><br /><u><strong><span style="font-size:130%;">MY ROP (LIFE INS) FUND</span></strong></u><br /><br /><div align="center"><table style="border: medium solid; width: 75%; border-collapse: collapse;" border="1"><tbody><tr><td style="width: 40%; text-align: left;"><strong>LAST MONTH<br /></strong></td><td style="width: 30%; text-align: right;"><p align="left"><strong>THIS MONTH</strong></p></td><td style="font-weight: bold; width: 30%; text-align: right;">DIFFERENCE</td></tr><tr><td style="text-align: left;">$1,647.08</td><td style=""><strong>$1,709.88</strong></td><td style="text-align: right;"><strong><span style="color: rgb(0, 153, 0);">+$62.80</span></strong></td></tr></tbody></table></div><br /><br /><a href="http://shtinkykat.blogspot.com/2010/04/my-diy-rop-life-insurance-policy.html"><span style="font-weight: bold;">Long story short</span></a>, I'm pretending to pay myself an additional $55/month for a "hypothetical" return of premium (ROP) term life insurance policy. I'm basically trying to "earn" back the term life insurance premiums through savings and investments.<br /><br />I guess my investments were flat this year because I deposited $660 and my balance increased only by $644 since last December. This is a 30-year experiment so I won't be too discouraged by this.<br /><br /><br /><u><strong><span style="font-size:130%;">MY NET WORTH</span></strong></u><br /><br /><div style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgbyyhCNocVUWdE128tyXoJW51Qomc_88DMQmIydAlraZe90NjroDp3bY3l_E4gvV_v9KDv9ISnmQBtKBA9ccczH1DSDml3a_V8-p8VTXaECs70eww8tbTcJPLuUq9O1tl4AiorQnmoZ4rr/s1600/NW+Reg.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 149px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgbyyhCNocVUWdE128tyXoJW51Qomc_88DMQmIydAlraZe90NjroDp3bY3l_E4gvV_v9KDv9ISnmQBtKBA9ccczH1DSDml3a_V8-p8VTXaECs70eww8tbTcJPLuUq9O1tl4AiorQnmoZ4rr/s320/NW+Reg.jpg" alt="" id="BLOGGER_PHOTO_ID_5693082095154213602" border="0" /></a></div><br /><br /><div align="center"><table style="border: medium solid; width: 75%; border-collapse: collapse;" border="1"><tbody><tr><td style="width: 40%; text-align: left; color: rgb(0, 0, 0);"><strong>LAST MONTH</strong></td><td style="width: 30%; text-align: left;"><strong>THIS MONTH</strong></td><td style="font-weight: bold; width: 30%; text-align: right;">DIFFERENCE</td></tr><tr><td style="text-align: left; color: rgb(0, 0, 0);"><strong><span style="color: rgb(0, 153, 0);">$196,830.87</span></strong></td><td style="color: rgb(0, 0, 0);"><strong><span style="color: rgb(0, 153, 0);">$179,586.72</span></strong></td><td style="text-align: right;"><span style="color: rgb(0, 153, 0);"><span style="color: rgb(255, 0, 0);"><span style="font-weight: bold;">-$17,244.15</span></span><strong></strong></span><br /></td></tr></tbody></table></div><br /><br />Oof. The big reason for this drop is because I recently withdrew $14,314.07 to pay for points ($5,822.50 for 2.125 pts) and closing costs ($8,491.57) on the new condo. As noted above, I also set aside another $5,450 for immediate repairs I'll need to do on the condo.<br /><br />The breakdown and the history of my net worth can be seen <a href="http://spreadsheets.google.com/pub?key=pnNyvaT41MMMUtNGv2EpmfA"><strong>here</strong></a>.Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com2tag:blogger.com,1999:blog-8824441942893023866.post-34687882845443462912011-12-29T07:24:00.000-08:002011-12-29T07:43:25.343-08:00ARRRRrrrggggh!!! Closing Hits a Snag Due to IncompetenceWe're down to the wire and we may not be able to close by 12/30, all because my loan processor is a freaking, lying, incompetent idiot.<br /><br />On December 16, my loan processor inquired whether she can charge $85 on my credit card for an HOA questionnaire fee. I authorized the charge. <br /><br />Last Friday, on December 23, I was contacted by my insurance agent that my lender requested Evidence of Insurance. I authorized payment on my credit card and my agent submitted a binder to my lender.<br /><br />On Tuesday, December 27, my loan processor advised that all documents were received and that my file was with the underwriter for final approval.<br /><br />On Wednesday morning, December 28, my loan processor advises that she needs me to authorize another credit card charge for an HOA certification for the second association. This time, she doesn't advise me of the charge amount in advance. When I inquired, the charge was $217. I discover that the charge includes an expediting fee. When I inquired why she didn't order the documents back on the 16th, she dances around the issue and blames it on the first association for not providing all documentation and the underwriter for not getting back to her until yesterday.<br /><br />Now, we're scrambling to meet the 12/30/2011 closing deadline placed by the short sale lender. It irritates me that the idiot loan processor neglected to order the necessary documents from both HOAs back on the 16th. Because of her negligence, I may not be able to close in time by the 30th, which has tax implications and other monetary consequences like having to pay 31 days worth of interest in advance. The worst part is this idiot loan processor's failure to admit fault.Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com1tag:blogger.com,1999:blog-8824441942893023866.post-51874359994761813362011-12-23T02:02:00.000-08:002011-12-23T05:26:13.611-08:00Holy Frick On A Stick - - I May Close By 12/30/2011!I just got word that the State of California agreed to <a style="font-weight: bold;" href="http://shtinkykat.blogspot.com/2011/12/good-news-bad-news-on-short-sale.html">release the Seller's tax lien</a> off of the condo I've been trying to purchase in short sale. I've been told that the Seller also negotiated the HOA delinquencies and it looks like we're sprinting to the finish line. We may actually close escrow by 12/30/11!<br /><br />The only recent hiccup was that I had to waive the termite inspection. What really irritates me is that the purchase offer that my agent drafted specifically stated that the Seller would pay for the termite inspection. The Seller accepted those terms. However, the genius realtors (mine and the Seller's) failed to ensure that the Short Sale Lenders would set aside funds from the sales proceeds to pay for the termite inspection. (But they sure as hell made sure that <span style="font-style: italic;">their</span> commissions were taken care of.) Since the Seller agreed to pay for it, I could look to the Seller to pay for it out of her own pocket.<br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhDWARV8WWEP8nfJGVSsNZ9iSkeWs_QKlyJXvkyXG030TK_pldLu9vqmFmZLwUjCAe7VQtotrcTD9oRDPO4u6GaA2t0UE0igUf398SqPSzOmddORcCvkurrLlRvu-RpYYaiNW3oUiAcWB_q/s1600/Haha.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 300px; height: 191px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhDWARV8WWEP8nfJGVSsNZ9iSkeWs_QKlyJXvkyXG030TK_pldLu9vqmFmZLwUjCAe7VQtotrcTD9oRDPO4u6GaA2t0UE0igUf398SqPSzOmddORcCvkurrLlRvu-RpYYaiNW3oUiAcWB_q/s320/Haha.jpg" alt="" id="BLOGGER_PHOTO_ID_5689289869749930738" border="0" /></a><br />Oh yeah... I forgot -- The Seller hasn't even paid her state taxes. Why would she even honor the terms of her contract?<br /><br />My genius agent now tells me that termite inspections aren't required for condos because termite control is the condo association's responsibility and I'm buying the property 'as-is'. Bullcr&p. First of all, I'm responsible for termites within my unit. Secondly, her blanket statement that termite inspections for condos are never required is only partially true. FHA-HUD loans require termite inspections even for condominiums. She's only correct that <span style="font-style: italic;">my lender </span>doesn't require it.<br /><br />I agreed to waive the termite inspection because: (1) re-negotiating the term with the Short Sale Lender will only delay the closing, and most importantly, (2) even if I got a Seller paid termite inspection report with adverse results, I'd still go through with the sale. It's still irritating, though, that my agent is selling me a snowjob.<br /><br />Once I close, I'll hire a termite exterminator to inspect the property. According to this <a style="font-weight: bold;" href="http://www.10news.com/news/15316837/detail.html">report</a>, experts in the industry say "there is an incentive to "undercall" (i.e., an inspector misses or overlooks something in an inspection) during escrow. Professionals recommend that homeowners should have three or four companies look at their property. They also advised homeowners to watch the inspector during the inspection, making sure he inspects the locations claimed, like an attic or crawl space. If inspectors find termites, experts said to ask the inspector to show where the infestation is and what they found. Experts advised not to accept a single inspection from a realtor. If a termite company misses the problem, they do have to come back and treat it at no cost to the homeowner."Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com0tag:blogger.com,1999:blog-8824441942893023866.post-1024429149075346152011-12-16T05:35:00.000-08:002011-12-16T06:29:12.221-08:00Good News - Bad News on the Short Sale PurchaseMy misadventures in purchasing a condo in short sale goes on. Like life, there are ups and downs. And for every good news I get, it seems to have a twin of bad news.<br /><br /><span style="font-weight: bold;">Goods news</span> - I was approved for a conventional loan. I locked in a 3.875% interest with 20% down and 2.125 points. The lock is good 'til 1/20/12 (or so).<br /><br /><span style="font-weight: bold;">Good news</span> - The appraisal for the property came back at $365,000. My accepted offer was $342,500.<br /><br /><span style="font-weight: bold;">Bad news</span> - I noticed a $3600 State tax lien on the condo in the preliminary title report. When I reviewed the 1st mortgagee's consent to short sale letter, it gave an allowance of up to $6,000 to satisfy any liens on the property. The consent letter specifically identified the HOA lien and and the 2nd mortgagee's lien but nothing about the State tax lien. I brought this to my agent's attention. Apparently, the Seller neglected to disclose the fact that she hadn't paid her state taxes on her HUD-1.<br /><br />The Seller is now scrambling to get a partial lien release from the State. According to the <a style="font-weight: bold;" href="http://www.ftb.ca.gov/individuals/liens/rlslien.shtml">State of California website</a>:<br /><blockquote>A partial release of lien releases a state tax lien from a specific piece of property. However, the lien remains in effect and will encumber the transfer of title of any other properties owned or subsequently acquired by the taxpayer. Reasons to request a partial release of lien include a need to transfer the rights to the property when there are insufficient funds to fully satisfy the state tax lien or the party with the lien has no rights to title of the property.</blockquote><br />As part of the request, the Seller requested that I forward the appraisal (that I paid for) to the Franchise Tax Board. I gave specific instructions to the escrow company that it is only authorized to release the appraisal to the FTB and not to anyone else.<br /><br />Hopefully, when the FTB sees that the condo was appraised $83,000 less than what she owes, it will release the lien off the property. I am hoping that the State does not demand that I increase my offer to cover the lien.<br /><br /><span style="font-weight: bold;">Bad News</span> - Due to the <del> deadbeat</del> Seller's failure to disclose her State tax delinquencies, I probably won't be able to close on this condo before the end of the year, much less before the 2nd mortgagee's consent expires on 1/15/2012. My locked interest rate will likely also expire and knowing my luck the rate will probably increase. Oh... did I forget to tell you that this Seller <a style="font-weight: bold;" href="http://shtinkykat.blogspot.com/2011/09/short-sale-approval-delayed.html">will get $3,000 bucks</a> if this deal goes through? Yes, you read that right. This woman who took out a "Liar's Loan" and hasn't paid her taxes will get $3,000 from this sale. I'm really starting to resent this Seller and I will be <span style="font-style: italic;">pissed</span> if I end up paying her State taxes.Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.com1