The Dog Ate My Wallet

The Dog Ate My Wallet

Personal Finance in a World of Excuses

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What I Am Reading: Goings and Comings

Going

dogsLR2This week’s round up is inspired by my dear friend, Jenniemarie, from Another Housewife, who decided this week to hang up her blogging keyboard, at least for now, in order to be more present in her life. While I will miss her voice, I completely understand. Go read her lovely post on Saying Goodbye to Another Housewife and let her know she’ll be missed.  (But this is also a “coming” as our friend Jana will be taking over and adding Another Housewife to the growing Daily Money Shot empire.)

In another kind of going, Kari and the entire Dog is God in Reverse recently moved (back) to Alaska. Having finally recovered from the experience of having to fly 4 dogs on two different airlines (including two Pits through Denver *shudder*), Kari is gives us something positive in her review of a pet carrier from the Sherpa Pet Group.

One of the saddest parts in life is saying goodbye to those we love. Life by Pets was started because I was having a hard time letting go of Moree, and sadly, Smokey passed only a few months after I started it. I say this by way of saying I understand why Just Ramblin’ has been on a bit of a hiatus. He’s doing his best to focus on Miss Sadie Lou, who is fighting her last fight. Lean on Me, he says to her. Lean on us, say we in the pet blogging community. We can’t be there, but we will be here.

As hard as it is to prepare for a beloved pet’s passing, it’s even harder for most of us to prepare for our own declining days and eventual death. Do we want to live in comfort every day of our lives, or is it more important to leave a legacy for our kids? How do we plan to protect ourselves and our family? Average Joe writes this week about his recently passed father in law and lessons in Long Term Care Planning.

 

 Comings

 

This bear will never live upstairs, My dogs would destroy it.

This bear will never live upstairs, My dogs would destroy it.

On to happier things, and we’ll start with the happiest. If you’ve ever been to the Complete Blogroll page here on Dog Ate My Wallet, you might have noticed a section of blogs labeled “On Hiatus”. These are blogs I follow that have stopped updating for one reason or another. I go back and check on them occasionally to see if they are back in action. This week, I noticed one was back (more on that later) and that another posted an update, an update I had been hoping for. Money for College Project announced his new project and his new baby! He and his wife adopted a baby girl about 6 months ago, hence the reason for his long absence. I hope to see the blog come out of my “hiatus” status soon. But in the meantime, go congratulate the new father.

The blog that officially came out of hiatus is Budget or Fudget. After a really awful, no good, rotten 2012 she’s back in the game and figuring out her future. And that includes sometimes having to look a gift horse in the mouth.

On the pet blog side of things, Pittieful Love had been on a bit of a break, too. But now they are back and with the great news that they’ve been able to foster (at least short term) again. If the pictures from A Weekend with Gremlin can be believed, Chocko is going to be a great foster brother.

Speaking of fostering, Oh, Corbin had both some goings and comings recently. Foster dog Sophie went to a different home while Corbin’s “aunts” Bethany and Avery, two adorable Lab mixes, visited, but now Sophie has returned, and Corbin is getting in some extra snuggles.

 

Bonus Comings

I know I only usually do 4 each of the blogs I regularly read, but this week’s theme applied to  a couple more posts that I really wanted to highlight.

American Debt Project recently welcomed its first staff writer! Head on over to read Curtis’s second post on the siren call of payday loans and to add your support to a man who is seriously working on turning his life around.

Curtis will tell you he is a former convict. But he’s working hard on turning his life around. I am a strong believer in giving people the opportunity to change. Did you ever watch the Animal Planet show Prison Dogs? It was about animal programs in prisons that gave both problem dogs and prisoners a chance at a new and better life. Now, Something Wagging This Way Comes introduces to a new web series about a specific prison dog program- Jail Dogs in 1C. There is no better way to care about animals than by caring about people. And I honestly believe there is no better way to help people than to have them experience unconditional love- something every dog excels at.

 

New to Me

Heart Like a Dog is one of my favorite dog blogs. So when I noticed that 2 Brown Dawgs Blog was co-hosting Follow-up Friday for a second time, I knew I had to click over to this “new to me” blog. The two brown dogs appear to actually be three Chesapeake Bay Retrievers. And I actually love Follow-up Friday as a great way to introduce me to a blog because I get to read a little bit about a number of posts from the previous week all at once.

And finally, the latest edition to the Yakezie Challenge is Cheap Students. I’ll be honest, the first thing I thought when reading it was “why can’t I live in Canada” and specifically “why can’t I be from Ontario”. Why? Because apparently, residents of Ontario get 30% off their tuition. I know I’m not in school right now, but C is, and 30% off of our tuition bill sure would be nice.

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The Story of a Mortgage

We bought our current house in late March 2005. The price was $242k and the interest rate was 6% (which was considered a good interest rate at the time). We had not quite $7k down and our original mortgage was for $235,250. It was cheaper for us to have the single mortgage and pay PMI than it was to have an 80/20, which is what we had on our first house. At the time, cheaper mattered, as buying this house was a bit of a stretch for us, but the move would improve our quality of life dramatically. PMI was $188/month and we knew we could get rid of it in 2 years.

The mortgage payment was $500/month higher than on our previous house, but I was making more money, and we were switching out a 100 mile/day commute for a 6 mile/day (done on the bus) and a 30 mile/day commute. And while the move took us away from a kitchen that we loved and to a kitchen that we did not like (and now actively hate), it meant that we cooked at home a lot more often. No more deciding that traffic was too bad and stopping to get dinner to let it thin out, or just deciding that we were too tired to cook.

We got rid of the PMI in July 2007 just based on appreciation. At that time, our house appraised at over $300k.We dropped our mortgage payment from $1900/month to $1750, in order to pay some extra on the principal. Throughout the next 5.5 years, based on changes in taxes and escrow, we paid between $1700 and $1800/month in mortgage.

Given the continued drop in mortgage interest rates, we decided to refinance our house at the start of this year. We knew that the value had dropped considerably, but our neighborhood has been on a rebound, with short sales going for $250k. RealEstate.com estimated that our house was worth $245k (while that would have been nice, we knew it was unrealistically high, but we thought by $20-25k). However, the appraiser for the refinance came back with our home being worth $200k even.

After our February 2013 payment, we still owed just under $203k on the house. While we had paid down the mortgage by over $32k, we were underwater by $3k and needed to come up with another $10k plus closing costs in order to buy ourselves up to 5% equity and refinance the house, this time with lender paid PMI (which results in a slightly higher interest rate, but no monthly sum). It was still a good deal though, as our interest rate would be dropping from 6% to 4%.

We raided every savings account we had and came up with the $17k we needed. As of today, our new loan has been funded. Our first mortgage payment won’t be due until April 1 and will be $1200. This is a savings of $600/month ($400 in straight interest savings), which puts us at our lowest house payment since we stopped renting (and splitting rent 5 ways).

On some level, this feels odd, almost counter-intuitive. Before refinancing the house, we were in the best financial position we had ever been in. And while we did have to deplete savings, we’ll be able to build it back up rather quickly. So now, we’re in the best financial position we have ever been in, with our lowest housing payment in 10 years.

And you want to know what our plans for the extra money are? Saving up to replace all the windows in the house this summer and then paying off my student loan and the HELOC on the condo we inherited from C’s mother early. Financial responsibility has turned us boring, at least for another two years. But I am okay with that.

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Who Would You Call?

My plans for this past three day weekend were to do nothing. I was very much looking forward to three days of not much. Saturday went exactly according to plan. I had a massage appointment for my shoulder and then C and I took June and Larry to the dog park while Howie stayed home with J (at 13, too many dog park trips will aggravate Howie’s arthritis).

Sunday started pretty lazy, too. As C was making us a late breakfast, though, I talked to my cousin in Portland. She had a lot of things going on, and a lot of stress. In addition to this being mid-terms at school, a friend of hers had gone into the hospital and my cousin was serving as the contact. (Her friend’s family all live out of the country.) My cousin looked at everything she needed to get done, made a determination of how much she could get done, and what had to be done by her (her homework) and what she could ask for help on. She called me and asked for help. C and I drove down to Portland Sunday afternoon.

 

What my cousin needed most was emotional support and to know that her family was there for her. But she also needed to get some financial issues sorted out. She could not remember what bills she had paid and which ones she hadn’t. She had a medical bill that she had been making payments on where she could not find the latest statements and did not know how much she still owed. There were questions about other medical bills and what her insurance had covered and what it had not. And finally, there were taxes. And at the end of it, she wanted to make sure she had enough money to pay her bills through the end of the semester.

None of this took me very long- maybe 90 minutes total. I spent the most time doing her taxes. They were not complicated, but she needed a 1040A instead of the EZ to take advantage of the tuition adjustment, and I forgot that you need to save the pdf from the IRS site before you fill it out. If you fill it out and can not print it right away and try to save it, it saves only the blank form. I think I filled out the form 3 or 4 times before all was said and done.

I did all of this while she was in a make up class scheduled by a teacher who had had to cancel class earlier in the week. She left me with her user ids and passwords, as well as her tax information. It did not occur to her (or me) that she should not do this because she trusts me.

 

The situation (with the 2.5 hour each way drive between Seattle and Portland) got me to thinking- if I were in a similar situation, who could I call? Well, not quite a similar situation, but say C or I were in the hospital, or both of us were, and there were just too many other things to keep track of besides whether or not the cable bill had been paid. Who would I call?

Now, in some cases, there would be less to handle- a lot of our bills are automated and my paycheck is direct deposited, but there’s always a few things that need to be done, checkbooks to be balanced, etc. Is there someone I trust enough that I could simply hand over all of my user ids and passwords and trust them to sort it all out?

And it’s not just about trust- it’s about aptitude. I would trust roommate J with all of those things, but managing finances is not his thing. I am not saying he could not do it, just that it’s not in his normal wheelhouse.

My parents are both states away. Certainly not in a situation where they could simply drop what they were doing and come spend an afternoon doing my finances. In a dire enough situation, either or both of them would come and help out, but if it were not a long term thing, I would not even want to ask them.

In the end, I would probably ask my friend Jen (please note that roughly 20% of all women in my age group are named Jen/Jennifer, I am not giving away anyone’s identity). She is customer service manager for a bank. Her girlfriend is getting her MBA and works in the medical field. Between the two of them, I know they would be good at going through all the details and making sure bills were paid and being able to figure out the details of insurance explanation of benefits. Jen would be the one I gave the log in information to, but it would not bother me if her girlfriend helped out going through documents.

 

The other thing that occurred to me is that I am very lucky. Knowing I have someone in my life that I could trust in that kind of situation is comforting, and probably not hugely common for those who do not live in close proximity to their families.

Who would you call?

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Sunday Evening Post #83- President’s Day Monday

I had meant for this to go up yesterday, but then my cousin in Portland called us Sunday morning and asked us to come down to help her out with a few things. It resulted in an unplanned trip and a long day. So, you’re getting the update today.

 

Blogging044

The purpose of these two goals is, yes, to grow my blogs, but also to support and highlight blogs and bloggers I enjoy. Just like I will be posting 2 new to me blogs every week in my round ups, the point here is to draw attention to blogs that others might not be familiar with. (Blog swaps will not count toward either of these goals.)

Write one guest post per month. January- yes

Publish one guest post per month. January- yes

 

Writing

Writing fiction is my side hustle, though I have yet to make any money from it. I’ve found that I devote much more time to the blogs than I do my fiction, though, because I am on a schedule. I feel accountable to my readers to get posts up when I say I will. And because I am a procrastinator, deadlines are a must for me. I get the energy I need to work on something from an impending deadline.

I am hoping to transfer the power of those two things- accountability and deadlines, to my fiction this year.

Submit at least one piece to a paying venue per month.

December: Yes

January: Yes

February: Yes

Complete the first draft of my novella and start edits. Nothing written this week.

 

033Finances

A lot of financial goals will actually end up as floating goals- ie they will be things I expect to complete well before the year is out. But I do have some long term financial goals that I think will work for year-long tracking.

Create and track a practice stock portfolio. Latest post went up Feb 7..

End the year “on budget” in the categories I’m tracking.

February Numbers

Category

On Budget

Month

Year

Groceries

Yes

Yes

House

Yes

Yes

Eating Out

Yes

No

Allowance – E

Yes

Yes

Allowance – C

Yes

Yes

 

I’m back on track for my allowance, but we’re now over for the year on eating out. As I said before, I expect this. I think it will get back to on track in March.

 

 

Floating Goals

Refinance the house. We signed the paperwork on Friday. The loan should fund this coming Thursday. We will be saving $600/month- $400 of that in pure interest.

Replace all the windows in the house. This may be put off until fall because we need to get a plumber out to look at a myriad of problems that are slightly more urgent than the windows.

Publish new photography/flash fiction book. My artist completed her own successful Kickstarter project. I am very excited for her. We’ll take more after her big convention at the beginning of March.

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How is this a Good Idea?

2013-Dodge-Dart-front-viewMy annoyance with car commercials is no longer limited to the awful Christmas/holiday seasonal ads. But now, instead of encouraging people to buy their significant other a car, or telling people that it’s a financially practical idea to buy a luxury car for Christmas, the goal now is to try and con other people into buying your car for you.

I’ll be honest, I am not a fan of the wedding registry that is just “give us money”, whether it’s to go on a honeymoon or buy a house. I’ve lived my entire life in the era of gift registries for weddings, so the overall idea doesn’t bother me- just the ones that are only about the money, no matter what they claim the money will be used for.

And I have not minded registries being extended to baby showers (hey, there’s a ton of stuff you need that you do not already have), and I have been fairly accepting of things like the Amazon wish list. So maybe I am being hypocritical in my hatred of the new Dart Registry from Dodge.

Still, I hate this idea of building a your dream car online and then trying to convince your friends and family to pay for it for you. Especially since the ads are very much targeted at young people- “your dad buys the engine for your birthday, grandma funds the rims for graduation”.

How about instead of teaching our young people that their friends and family should buy them the things they want, they learn how to save up for it. Or that maybe their first car does not need to be brand new. Whatever happened to the junker found in the want ads?

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Making a Smart Long Term Decision is Causing Me Short Term Panic Attacks

house2I have mentioned that we are refinancing the house. In fact, it is one of my goals on my Sunday Evening Post. We were paying 6% interest. We are moving down to 4% interest. We are also extending the life of our loan by 8 years. Our monthly payments will go down about $500. This is a good thing.

So why am I having a minor panic attack about the whole process? I think I will blame the appraiser. I know I am not a trained and certified appraiser, but I do follow the housing market, especially in our neighborhood. I know what houses are selling for. I know we have short sales in the neighborhood going for $250k. RealEstate.com guestimates our home value at $245k. That’s too high, I know, but I was still a little unhappy that the appraiser did not look at a single house at over $220k. The appraisal on the house came back at $200k even. We owed $203k.

In order to refinance, we needed to be able to buy ourselves up to 5% equity, so $190k, plus pay all closing costs. In addition, because our initial lender guarantees that they will sell our loan as soon as possible, they follow Fannie Mae rules that say none of the money for closing costs can come from debt.

This means, that in order to close, we have to have $18k, cash. $13k we had in our accounts. The rest is coming from closing probate and transferring the money from the estate account to ours. (I do not even want to talk about the paper trail we had to create to prove that all of this money was ours and that it was not gifts/debt, etc.) But it is pretty much draining all of our savings accounts. We will only have the bare minimum $1k emergency fund remaining. And that freaks me out.

house1We have made some changes to help us rebuild savings quickly. We have suspended paying the $450 extra we were paying on my undergraduate student loans. We will not have a full mortgage payment due at the February (which creates some savings) and the payments we do have will be $500 less. That lets us start rebuilding savings at a rate of $1k/month, not counting the money that is already budgeted for the savings accounts each month (all of that is being redirected to closing costs in Feb, but will be back in effect in Mar), to cover emergencies, home and car repairs, etc.

Still, I hate having this little in the bank. Part of it is timing. With the water heater overflowing, we really need to get a plumber out to the house. We owe a final payment to the adoption agency for the home study. (We will not owe any more if we adopt from foster care, but will have additional fees if we adopt via infant relinquishment.) And our auto insurance is due in March. Since we pay that every 6 months, it’s not a small bill.

We know that we will get the money that is in our current escrow account back. We will get a rather large IRS refund this year. (I normally try to plan for a small refund, or perhaps owing a little bit, but this year, I won’t complain.) Those facts are keeping me from completely freaking out.

I know that it will only take a few months to rebuild the savings accounts to an amount I am comfortable with. I know that I will definitely like the new monthly budget with the smaller mortgage amount. And I know that we really can afford what we are doing. But I have gotten spoiled by having money in the bank, by having the money to do exactly what we are doing.

In the long run, I know what we are doing is a smart use of our money. It will pay off when it comes time to either sell this house, or to try and buy a second one without selling this one (renting it out instead). I know these things.

But this brief moment where I see all of our savings accounts drained? Yeah, I am having some minor panic attacks.

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Sunday Evening Post #82

As I mentioned in yesterday’s What I’m Reading post, it’s been a crazy week. Good in some ways (actually to the child search part of the adoption process), stressful in others (cash reserves are pretty much drained coming up with $18k for the refinance), but overall we’re on the path we set out for ourselves. And that’s a good thing.

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Blogging

The purpose of these two goals is, yes, to grow my blogs, but also to support and highlight blogs and bloggers I enjoy. Just like I will be posting 2 new to me blogs every week in my round ups, the point here is to draw attention to blogs that others might not be familiar with. (Blog swaps will not count toward either of these goals.)

Write one guest post per month. January- yes

Publish one guest post per month. January- yes

 

Writing

Writing fiction is my side hustle, though I have yet to make any money from it. I’ve found that I devote much more time to the blogs than I do my fiction, though, because I am on a schedule. I feel accountable to my readers to get posts up when I say I will. And because I am a procrastinator, deadlines are a must for me. I get the energy I need to work on something from an impending deadline.

I am hoping to transfer the power of those two things- accountability and deadlines, to my fiction this year.

Submit at least one piece to a paying venue per month.

December: Yes

January: Yes

February: Yes

Complete the first draft of my novella and start edits. I wrote a little bit today and got another piece submitted, so I’m calling that a win.

 

Finances

A lot of financial goals will actually end up as floating goals- ie they will be things I expect to complete well before the year is out. But I do have some long term financial goals that I think will work for year-long tracking.

Create and track a practice stock portfolio. Post 2 went up on Thursday.

End the year “on budget” in the categories I’m tracking.

February Numbers

Category

On Budget

Month

Year

Groceries

Yes

Yes

House

Yes

Yes

Eating Out

Yes

Yes

Allowance – E

Yes

No

Allowance – C

Yes

Yes

 

I’ll stop being over for the year on my allowance on Friday when I get reimbursed for the work expenses.

 

 

Floating Goals

Refinance the house. Gathering all the cash we need to make this happen. Should be done by the end of the month.

Replace all the windows in the house. This may be put off until fall because we need to get a plumber out to look at a myriad of problems that are slightly more urgent than the windows.

Publish new photography/flash fiction book. My artist completed her own successful Kickstarter project. I am very excited for her. We’ll take more after her big convention at the beginning of March.

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What I Am Reading: Support Groups are Your Friends

It has once again been a very busy week. I’ve had next to no time to read any blogs. It’s been sad, really. But between moving on to the next phase in the adoption process (child search, here we come) and trying to get everything together for the refinance of the house (sure we can come up with $18k in cash), I’ve been just a little stressed, with my mind on everything but reading and commenting.

But that’s okay, because this month also marked my 3rd anniversary of taking part in a no spend thread on a money message board. I know some people out there think the idea of trying to get no spend days is silly, but it was huge for me. It helped make me much more aware of our spending, not just the money, but the patterns. We could not have gotten to where we are today (with the ability to come up with $18k in cash for the refinance) without my having learned the lessons of tracking no spend, controlled spend, and spend days. So in honor of that anniversary, I am first sharing with you the blogs of four amazing women I met first on the No Spend/Controlled Spend message board.

 

041You all know my love of Jana @ Daily Money Shot. I met her on that thread. It’s an amazing friendship that I am so very grateful for. And this week, we found out that Daily Money Shot is up for the Personal Finance Blog of the Year award. First, go visit Jana and tell her how awesome that is, and then, go VOTE FOR DAILY MONEY SHOT.

You’ve also seen me link to Another Housewife before. Jenniemarie is another of part of the great support group I wandered into when I joined the no spend thread. She and I are very different people, and yet, she inspires me in so many ways. She’s been sick recently, so feeling like the ship is sinking. But I know she’ll soon be back on her feet and wowing us in new ways.

Gin from Frugal Students actually wrote a guest post for me a when this blog was fairly new. She and her husband bought a duplex and were renting out half, and she wrote about being a landlord on a tight budget. Now, she’s opened up a whole new world. To quote her “Frugal Student has Added a New Hat”. At the end of January she became a mom to a beautiful baby girl. Congrats!

And speaking of babies, I also met Red of Red Fish, Blue Fish on the no spend board. In fact, I met her before she and Blue were married, and now, they are also parents. Back before superstorm Sandy, she gave birth to twins! What that means for Red is that it is now time to go back to work. I know it’s hard on the new mommy, but I have faith she will make this work.

 

Since I decided to focus on one of my major support groups, personal finance wise, I thought I’d focus the pet blogs on the first support network I was welcomed into in the pet blogging community. I was asked to join a Triberr tribe because the members thought my voice would fit in well with theirs. I have been blessed to get to know the blogs and members of this group, as well.

043Cindy Lu’s Muse is who actually invited me to the group, in a sense, she’s the chieftain of our tribe. This week, she shares an important warning with us all- Beware Coyotes in Your Neighborhood. They really are everywhere.

Leslie and Bella of Bringing Up Bella have quickly become some of my favorite blogging friends, even though we’re unlikely to ever meet. It always makes my heart soar to hear of Bella having a good day, so you can bet I was grinning like nobody’s business during this video- Sometimes, She’s Just a Normal Dog.

The Chronicles of Cardigan always makes me laugh. Not only are Dewi and Jon Farleigh adorable (I mean they’re Cardigan Corgis, it would be impossible for them not to be adorable) , but Elizabeth just cracks me up with her sense of humor and gift for song. This week, it’s Cats Are Cool, as sung to the sound of a vacuum cleaner.

And finally, the last member of our little tribe is Keep the Tail Wagging. They’re a magazine more than a blog, but still. This week my favorite article is on Dawg Grog Beer for Dogs. Just because I don’t drink, should I be denying my pets?

042

And I’m falling down again on the new to me blogs. I’m having a hard enough time keeping up with my life without any new things in it. Next week, I promise. (Though I may have said that last week…)

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The Stock Market Project- Month 2

It’s February! I get another $200 to throw at the stock market. This is exciting and depressing. You see, I’ve been reading some things about Amazon that I really like, so I’d like to be able to buy some Amazon stock, but it’s currently going for over $260/share. I don’t have enough to buy even one tiny bit.

In addition, in talking to some friends who work in the game industry, I decided that it would be a good idea to invest in a local mobile game company that happens to be publicly traded (not very many are). Glu Mobile (Nasdaq, GLUU), is only $2.29/share. For $209.97 (counting the money left over from Janunary), I could buy quite a bit of GLUU.

I decided to compromise. I bought 20 shares of GLUU and I’m saving the rest of the money for next month, so that I can afford to buy one, single, lonely share of Amazon. I still charged myself the $9.99 transaction fee, so I spend $55.79 this month and have $154.18 waiting to go toward my Amazon purchase next month.

 

Now that you know how I have spent this month’s allotment, I bet you are wondering how the stocks I bought last month- Lenovo, EA, Barnes & Noble, and ZipCar are doing. Would you believe that they all went up. Not by a whole lot, but by enough that as a group, they have now paid for the transaction fees to buy each stock. I am up (pure stock price) by over $52.

Stock Shares Buy Price Buy Value Transaction Cost Current Price Current Value Profit/(Loss)
LNVGY 5         19.22         96.10           9.99         22.96      114.80 8.71
EA 9         13.77      123.93           9.99         16.87      151.83 17.91
BKS 9         13.40      120.60           9.99         13.97      125.73 (4.86)
ZIP 9         12.16      109.44           9.99         12.24      110.16 (9.27)
GLUU 20           2.29         45.80           9.99           2.29         45.80 (9.99)
TOTAL  $  495.87  $  548.32  $       2.50

I need to be up by over $20 each for them have earned back their purchase transaction cost and cover the selling transaction cost, and I’m not there yet.  That, and I am in this for the long haul. Unless something major happens, I do not intend to “sell” any of my stocks this year. I want to track how well they do over the course of a year.

However, since we now have two moths worth of data, I was able to make chart!

stocksSo that’s the February update. Between trying to refinance the house and doing taxes, I haven’t had time to research any other online trading companies, so we’re sticking with e*trade prices for now.

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Doing Taxes

Please excuse that there is no post tonight. I’m working on our taxes. We itemize, and we keep all of our receipts to deduct actual sales tax, so it takes a while. In the meantime, here is some cuteness so that you’ll forgive me.

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