=)
I can't wait till Wednesday. I get to fly out and see Boyfriend!!!!! and hug and squeeze the poo out of him!!!!!!!!!!!! and spend a whole weekend and the holiday with his family.
I'm nervous.... and excited.....!!!!!!!!!!!!!!!!!
Since the ticket is already paid for, I'm giving myself around $100 to $150 for the trip since most of the time we will be eating and spending time at his house with his family, since that's the reason for the trip.... For everyone to meet me.
His brother, wife and their 4 kiddos all drove all the way out from Oregon in the rain and snow... his other brother's driving in for the holiday with his wife and their 2 year old, plus his other brother who lives locally....
I hope they like me!!!!!!
=)
I'm also working and have been working on a baby blanket throw for his brother's wife because she is expecting. I need to finish it before I leave, but i'm almost done. nine rows more and its finished. I'll have to post a picture on here because its fabulous!!!! I followed a pattern and everything =)
Saturday, November 20, 2010
Retirement Update
End of 2009 Balance: $26,529.33 | Current 2010 Balance: $35,344.18
Additional Contributions since 2009: $8,556.58 (including pension)
Non Pension Growth: $258.27 (1.63%)
Discontinued 401a Account: Makes up 2.76 % of my Retirement
$976.99/$898.62 invested. (New contributions suspended.) Target Date
Discontinued 457 Account: Makes up 2.93% of my Retirement
$1,034.71 (Earns pennies a week and I can’t move the $$$$ until I quit.)
ING DIRECT CD Roth IRA: Makes up 51.17% of my portfolio
$18,084.21/$17,750.00
Up 1.88% from inception +$334.21
Pension: Approximately 43.14% of my portfolio
If I quit tomorrow, I’d just have the cash in the account (earning an automatic 6% until withdrawn).
Total: $15,248.27
$3,191.28 (what I’ve put in out of my paychecks) for a 477.81% Return from inception.
• Service Credit as of 2010 Statement: 5.870 Years of Service
• Unmodified Pension allotment 2.7% @ 55 = $5,927.27 a year or $493.94 a month (2% COLA every 2 years… using current Salary)
Additional Contributions since 2009: $8,556.58 (including pension)
Non Pension Growth: $258.27 (1.63%)
Discontinued 401a Account: Makes up 2.76 % of my Retirement
$976.99/$898.62 invested. (New contributions suspended.) Target Date
Discontinued 457 Account: Makes up 2.93% of my Retirement
$1,034.71 (Earns pennies a week and I can’t move the $$$$ until I quit.)
ING DIRECT CD Roth IRA: Makes up 51.17% of my portfolio
$18,084.21/$17,750.00
Up 1.88% from inception +$334.21
Pension: Approximately 43.14% of my portfolio
If I quit tomorrow, I’d just have the cash in the account (earning an automatic 6% until withdrawn).
Total: $15,248.27
$3,191.28 (what I’ve put in out of my paychecks) for a 477.81% Return from inception.
• Service Credit as of 2010 Statement: 5.870 Years of Service
• Unmodified Pension allotment 2.7% @ 55 = $5,927.27 a year or $493.94 a month (2% COLA every 2 years… using current Salary)
Thursday, November 18, 2010
Mid Month Kiva Updates
All my loans are in good standing, and 2 more were paid back in full!!!!
Janet Akinyi Ayieko
Location: Eldoret, Kenya
Repayment Term: 8 months
Activity: General Store
Repayment Schedule: Monthly
Loan Use: To open another two stores in town
Repaid: $0.00
Olga Francisca Cano Romero
Location: Portoviejo, Ecuador
Repayment Term: 6 months
Activity: Crafts
Repayment Schedule: Monthly
Loan Use: To buy fabric, down, thread, fasteners, etc.
Repaid: $3.13
Mamile Orozalieva's Group
Location: Kant, Kyrgyzstan
Repayment Term: 6 months
Activity: Cattle
Repayment Schedule: Monthly
Loan Use: To purchase more cattle for breeding
Repaid: $12.04
Hawa Gull Group
Location: Monrovia South, Liberia
Repayment Term: 6 months
Activity: Food Market
Repayment Schedule: Monthly
Loan Use: To buy more bags of rice, onions, peppers, palm oil, and beans
Repaid: $14.78
Fight For Progress Group
Location: Makeni, Sierra Leone
Repayment Term: 12 months
Activity: Food Market
Repayment Schedule: Monthly
Loan Use: Buy palm-oil, rice, and oranges in wholesale quantities
Repaid: $20.00
LOANS PAID IN FULL:
Zenaida Daing- Farming, Sta. Josefa, Agusan Del Sur, Philippines
Elizabeth Aidoo- Food Market, Wiawso, Ghana
Mobateli Plus Group -Manufacturing, The Democratic Republic of the Congo
Paz y Amor Group -Fruits & Vegetables, Dominican Republic
Dustmatov Eralboy - Livestock, Tajikistan
Seccelambras Group -Food Production/Sales, Peru
Rashidat Mumuni -Fish Selling, Nigeria
Karla Vanessa Montiel Barahona -Housing, Nicaragua
Eal Nub -Fish Selling, Cambodia
Atim Irene's Group -Medical Clinic, Uganda
Obama Group- Grocery Store produce- Dar Es Salaam, Tanzania
La Esperanza Group- sugar cane, flour, sugar and coal- Ita, Paraguay
Siguikadi Group- Purchase of selling items -Kadiolo Sikasso, Mali
Altantuya Lhasuren- Butcher Shop- Tsetserleg, Arhangai, Mongolia
Gbawulu Group- To buy bags of cement to make blocks- Monrovia South, Liberia
Iyunge Group: purchasing bigger quantities of beans to sell- Cibitoke, Burundi
As of today i've loaned and re-loaned out a total of $525 through KIVA to 21 different groups in 20 different places all around the world. Its amazing what $25.00can do!
Like Kiva? Think its neat? then Lend!!!!! Visit Kiva!
Janet Akinyi Ayieko
Location: Eldoret, Kenya
Repayment Term: 8 months
Activity: General Store
Repayment Schedule: Monthly
Loan Use: To open another two stores in town
Repaid: $0.00
Olga Francisca Cano Romero
Location: Portoviejo, Ecuador
Repayment Term: 6 months
Activity: Crafts
Repayment Schedule: Monthly
Loan Use: To buy fabric, down, thread, fasteners, etc.
Repaid: $3.13
Mamile Orozalieva's Group
Location: Kant, Kyrgyzstan
Repayment Term: 6 months
Activity: Cattle
Repayment Schedule: Monthly
Loan Use: To purchase more cattle for breeding
Repaid: $12.04
Hawa Gull Group
Location: Monrovia South, Liberia
Repayment Term: 6 months
Activity: Food Market
Repayment Schedule: Monthly
Loan Use: To buy more bags of rice, onions, peppers, palm oil, and beans
Repaid: $14.78
Fight For Progress Group
Location: Makeni, Sierra Leone
Repayment Term: 12 months
Activity: Food Market
Repayment Schedule: Monthly
Loan Use: Buy palm-oil, rice, and oranges in wholesale quantities
Repaid: $20.00
LOANS PAID IN FULL:
Zenaida Daing- Farming, Sta. Josefa, Agusan Del Sur, Philippines
Elizabeth Aidoo- Food Market, Wiawso, Ghana
Mobateli Plus Group -Manufacturing, The Democratic Republic of the Congo
Paz y Amor Group -Fruits & Vegetables, Dominican Republic
Dustmatov Eralboy - Livestock, Tajikistan
Seccelambras Group -Food Production/Sales, Peru
Rashidat Mumuni -Fish Selling, Nigeria
Karla Vanessa Montiel Barahona -Housing, Nicaragua
Eal Nub -Fish Selling, Cambodia
Atim Irene's Group -Medical Clinic, Uganda
Obama Group- Grocery Store produce- Dar Es Salaam, Tanzania
La Esperanza Group- sugar cane, flour, sugar and coal- Ita, Paraguay
Siguikadi Group- Purchase of selling items -Kadiolo Sikasso, Mali
Altantuya Lhasuren- Butcher Shop- Tsetserleg, Arhangai, Mongolia
Gbawulu Group- To buy bags of cement to make blocks- Monrovia South, Liberia
Iyunge Group: purchasing bigger quantities of beans to sell- Cibitoke, Burundi
As of today i've loaned and re-loaned out a total of $525 through KIVA to 21 different groups in 20 different places all around the world. Its amazing what $25.00can do!
Like Kiva? Think its neat? then Lend!!!!! Visit Kiva!
Saturday, November 6, 2010
Retirement Perspectives
End of 2009 Balance: $26,529.33 | Current 2010 Balance: $35,031.28
Additional Contributions since 2009: $8,228.37 (including pension)
Non Pension Growth: $273.58 (1.72%)
Discontinued 401a Account: Makes up 2.84 % of my Retirement$994.31/$898.62 invested. (New contributions suspended.) Target Date
Discontinued 457 Account: Makes up 2.95% of my Retirement$1,034.61 (Earns pennies a week and I can’t move the $$$$ until I quit.)
ING DIRECT CD Roth IRA: Makes up 50.90% of my portfolio$17,832.30/$17500.00
Up 1.898% from inception +$332.30
Pension: Approximately 43.30% of my portfolio If I quit tomorrow, I’d just have the cash in the account (earning an automatic 6% until withdrawn).
Total: $15,170.06
$3,113.07 (what I’ve put in out of my paychecks) for a 487.30% Return from inception
• Service Credit as of 2010 Statement: 5.870 Years of Service
• Unmodified Pension allotment 2.7% @ 55 = $5,927.27 a year or 493.94 a month (2% COLA every 2 years… using current Salary)
Additional Contributions since 2009: $8,228.37 (including pension)
Non Pension Growth: $273.58 (1.72%)
Discontinued 401a Account: Makes up 2.84 % of my Retirement$994.31/$898.62 invested. (New contributions suspended.) Target Date
Discontinued 457 Account: Makes up 2.95% of my Retirement$1,034.61 (Earns pennies a week and I can’t move the $$$$ until I quit.)
ING DIRECT CD Roth IRA: Makes up 50.90% of my portfolio$17,832.30/$17500.00
Up 1.898% from inception +$332.30
Pension: Approximately 43.30% of my portfolio If I quit tomorrow, I’d just have the cash in the account (earning an automatic 6% until withdrawn).
Total: $15,170.06
$3,113.07 (what I’ve put in out of my paychecks) for a 487.30% Return from inception
• Service Credit as of 2010 Statement: 5.870 Years of Service
• Unmodified Pension allotment 2.7% @ 55 = $5,927.27 a year or 493.94 a month (2% COLA every 2 years… using current Salary)
2010 Goals-- Massive update
Looking at my 2010 goals for the year:
GOALS FINISHED:
• Pay off non-mortgage Debt –Done Paid off $8,742.48 in loans
• Increase Car fund by $250.00- Done Total $600.00 (Moved to EF)
• Get emergency fund to $8,400.00 –Done $11,083.51
• Lower Mortgage to under $115,000.00 @ $114964.59
• Track my spending
While I didn’t blog it year round, my spreadsheet is pretty darn accurate!!!!!!! And I’m really proud of it!!!
• Increase Net-Worth to $60,000.00 @$61,717.96
CALpers interest and employers deposits put me over the top.
• Give More
Kiva- I’ve made a new loan every month this year =)
LTG- I’ve regularly tithed, and I now volunteer regulary once a week at the tutoring center there.
Child Share – I’ve volunteered at every event this year, and I’ve started marathon training and recruited 2 new runners, possibly 3!!!
• Contribute $5,000.00 to Roth IRA ($1500 left to add)
With Nov, Dec, and Dec’s extra check… this is basically a done deal
I have 2 goals I’m still working on.....
GET IN SHAPE
Read One book a Month (I read more than 12… just not one a month. Oh well!)
GOALS FINISHED:
• Pay off non-mortgage Debt –Done Paid off $8,742.48 in loans
• Increase Car fund by $250.00- Done Total $600.00 (Moved to EF)
• Get emergency fund to $8,400.00 –Done $11,083.51
• Lower Mortgage to under $115,000.00 @ $114964.59
• Track my spending
While I didn’t blog it year round, my spreadsheet is pretty darn accurate!!!!!!! And I’m really proud of it!!!
• Increase Net-Worth to $60,000.00 @$61,717.96
CALpers interest and employers deposits put me over the top.
• Give More
Kiva- I’ve made a new loan every month this year =)
LTG- I’ve regularly tithed, and I now volunteer regulary once a week at the tutoring center there.
Child Share – I’ve volunteered at every event this year, and I’ve started marathon training and recruited 2 new runners, possibly 3!!!
• Contribute $5,000.00 to Roth IRA ($1500 left to add)
With Nov, Dec, and Dec’s extra check… this is basically a done deal
I have 2 goals I’m still working on.....
GET IN SHAPE
Read One book a Month (I read more than 12… just not one a month. Oh well!)
Mortgage Update & Total Condo Costs
New Balance: $114,964.59 | The Goal for 2010 is to get it under 115,000.00!!!!!! WOOT I finished with a month to spare!!!!!!!!! YEah Yeah!
I knocked another month off the payment schedule!!! My new payoff date if I just pay the minimum for the remainder of the loan is MARCH 2039
If I continue to pay the minimum on my loan, I will pay $113,202.47 in interest (what i've paid, and what I have left to pay), instead of the 116,404.23... Saving me $3,201.76 in interest over the life of the loan thus far... all for parting with $894.19 a little before I had to!
Total Condo Costs:
Money paid to aquire the property and get keys: $7,057.08
Money Spent to Remodel and Repair Property: $17,672.29
Total: $24,729.37
First Time Home buyers Credit: $8,000.00
Current equity: $5,035.41 (not including any change in value the upgrades gave me)
Electrician costs -$95.00
TILE Refund $1,265.00
Current amount in the hole: $10,523.96
Hopefully with December's principle payment, and when i get to see how much I saved by itemizing my taxes, i'll be somewhere in the $9,000 range.
If I sold tomorrow, I'd have to sell the property for 145,000.00 assuming a 6% commission to break even and make money on the property because i'd have to give back the $8,000.00 to the government.
Forgetting the $8,000 i'd have to refund the government if I sold before my 3 years is up, i'd have to sell for $135,000 (assuming 6% commission) to make enough money to recoup all costs. =)
I knocked another month off the payment schedule!!! My new payoff date if I just pay the minimum for the remainder of the loan is MARCH 2039
If I continue to pay the minimum on my loan, I will pay $113,202.47 in interest (what i've paid, and what I have left to pay), instead of the 116,404.23... Saving me $3,201.76 in interest over the life of the loan thus far... all for parting with $894.19 a little before I had to!
Total Condo Costs:
Money paid to aquire the property and get keys: $7,057.08
Money Spent to Remodel and Repair Property: $17,672.29
Total: $24,729.37
First Time Home buyers Credit: $8,000.00
Current equity: $5,035.41 (not including any change in value the upgrades gave me)
Electrician costs -$95.00
TILE Refund $1,265.00
Current amount in the hole: $10,523.96
Hopefully with December's principle payment, and when i get to see how much I saved by itemizing my taxes, i'll be somewhere in the $9,000 range.
If I sold tomorrow, I'd have to sell the property for 145,000.00 assuming a 6% commission to break even and make money on the property because i'd have to give back the $8,000.00 to the government.
Forgetting the $8,000 i'd have to refund the government if I sold before my 3 years is up, i'd have to sell for $135,000 (assuming 6% commission) to make enough money to recoup all costs. =)
Apartment Vs. Condo
It’s November and I’m not thinking about packing up boxes and trying to move and find a new apartment… Another perk of homeownership =)
Looking at my spreadsheet for the year, and assuming that next month my homeownership costs will be identical to this month, I will have spent $14,480.98 on housing and homeownership costs for all of 2010. This includes Mortgage interest, principle on my loan, additional principle, taxes, MIP, HOA, Earthquake Insurance, Home owners Insurance, and the electrician I had to pay to fix one of my faulty outlets. Monthly, that works out to about $1,206.75| without my additional principle payments, the amount drops to $1,123.68 | & if I take out all the principle I’ve paid down, $981.44
To rent the place I would have rented if I hadn’t bought a condo, (a one bedroom in the complex I lived in before I purchased my casa) would have come out to $14,537.00 for the year, or $1,211.41 a month. So for my first year as a homeowner, it was definitely cheaper to live in my condo, even before I consider the principle and the tax breaks I’ll get from itemizing (Not including start up costs—I’m still in the hole on my place if I were to sell now).
So, I wondered what apartments where going for now in that same complex… and to my surprise, I can still rent a place for the same money I used in my original estimate. $1095 + utilities... but this time most of the initial start up costs wouldn’t be there because I wouldn’t be changing units, so it’s time to recalculate as I look at year two of homeownership.
Apartment:
Rent: $1,095 monthly
Trash: $15 every 2 months
Water: approx $30 monthly
Gas: $25 monthly
Laundry $15 monthly
Renters Insurance $11.00 monthly
= $1,183.50 or $14,202.00 a year (I wouldn’t have a security deposit to pay)
Condo:
Principle, Interest, MIP, Taxes: $808.18
HOA: $250.00
Earthquake: $21.75
Homeowners: $26.84
=$1,106.77 or 13281.24 a year
So even if I pay around $80.00 a month in extra principle payments, it’s still about the same as it would be if I rented the apartment… before tax deductions and write offs!!!! My condo was a smart move for me personally, because I was finished with roommates and moving.
Now, I just need to get to my “breakeven point” to see the happy profit. Since all the monthly expenses are a wash, everything I pay down, regular principle and additional principle can go towards my bottom line since I’d be paying more to rent then I do to own.
Looking at my spreadsheet for the year, and assuming that next month my homeownership costs will be identical to this month, I will have spent $14,480.98 on housing and homeownership costs for all of 2010. This includes Mortgage interest, principle on my loan, additional principle, taxes, MIP, HOA, Earthquake Insurance, Home owners Insurance, and the electrician I had to pay to fix one of my faulty outlets. Monthly, that works out to about $1,206.75| without my additional principle payments, the amount drops to $1,123.68 | & if I take out all the principle I’ve paid down, $981.44
To rent the place I would have rented if I hadn’t bought a condo, (a one bedroom in the complex I lived in before I purchased my casa) would have come out to $14,537.00 for the year, or $1,211.41 a month. So for my first year as a homeowner, it was definitely cheaper to live in my condo, even before I consider the principle and the tax breaks I’ll get from itemizing (Not including start up costs—I’m still in the hole on my place if I were to sell now).
So, I wondered what apartments where going for now in that same complex… and to my surprise, I can still rent a place for the same money I used in my original estimate. $1095 + utilities... but this time most of the initial start up costs wouldn’t be there because I wouldn’t be changing units, so it’s time to recalculate as I look at year two of homeownership.
Apartment:
Rent: $1,095 monthly
Trash: $15 every 2 months
Water: approx $30 monthly
Gas: $25 monthly
Laundry $15 monthly
Renters Insurance $11.00 monthly
= $1,183.50 or $14,202.00 a year (I wouldn’t have a security deposit to pay)
Condo:
Principle, Interest, MIP, Taxes: $808.18
HOA: $250.00
Earthquake: $21.75
Homeowners: $26.84
=$1,106.77 or 13281.24 a year
So even if I pay around $80.00 a month in extra principle payments, it’s still about the same as it would be if I rented the apartment… before tax deductions and write offs!!!! My condo was a smart move for me personally, because I was finished with roommates and moving.
Now, I just need to get to my “breakeven point” to see the happy profit. Since all the monthly expenses are a wash, everything I pay down, regular principle and additional principle can go towards my bottom line since I’d be paying more to rent then I do to own.
Friday, November 5, 2010
November Kiva Loan
Janet Akinyi Ayieko
Location: Eldoret, Kenya
Repayment Term: 8 months
Activity: General Store
Repayment Schedule: Monthly
Loan Use: To open another two stores in town
Janet Akinyi Ayieko is 35 years old and is married to Raphael Ayieko who is a businessman. They have four children in school, and they live in Eldoret-Kenya. She is a storekeeper and has been in this business for fifteen years, earning a monthly profit of 15,000 KES. Her husband’s business dealings are a source of additional income for the family.
Janet learnt about KADET LTD through a credit officer. She is now applying for her first loan of 50,000 KES from KADET, which she intends to use to open up two other stores in town. The anticipated profits gained will be used to expand the businesses.
In the future Janet wishes to have rental houses of her own and have a good life.
All My other Active Kiva Loans are current now!!!!
Olga Francisca Cano Romero
Location: Portoviejo, Ecuador
Repayment Term: 6 months
Activity: Crafts
Repayment Schedule: Monthly
Loan Use: To buy fabric, down, thread, fasteners, etc.
Repaid: $0.00
Mamile Orozalieva's Group
Location: Kant, Kyrgyzstan
Repayment Term: 6 months
Activity: Cattle
Repayment Schedule: Monthly
Loan Use: To purchase more cattle for breeding
Repaid: $5.89
Hawa Gull Group
Location: Monrovia South, Liberia
Repayment Term: 6 months
Activity: Food Market
Repayment Schedule: Monthly
Loan Use: To buy more bags of rice, onions, peppers, palm oil, and beans
Repaid: $10.27
Gbawulu Group
Location: Monrovia South, Liberia
Repayment Term: 6 months
Activity: Construction
Repayment Schedule: Monthly
Loan Use: To buy bags of cement to make blocks
Repaid: $19.89
Iyunge Group
Location: Cibitoke, Burundi
Repayment Term: 8 months
Activity: Fruits & Vegetables
Repayment Schedule: Monthly
Loan Use: purchasing bigger quantities of beans but also new products to sell her customers
Repaid: $22.92
Fight For Progress Group
Location: Makeni, Sierra Leone
Repayment Term: 12 months
Activity: Food Market
Repayment Schedule: Monthly
Loan Use: Buy palm-oil, rice, and oranges in wholesale quantities
Repaid: $17.92
LOANS PAID IN FULL:
Zenaida Daing- Farming, Sta. Josefa, Agusan Del Sur, Philippines
Elizabeth Aidoo- Food Market, Wiawso, Ghana
Mobateli Plus Group -Manufacturing, The Democratic Republic of the Congo
Paz y Amor Group -Fruits & Vegetables, Dominican Republic
Dustmatov Eralboy - Livestock, Tajikistan
Seccelambras Group -Food Production/Sales, Peru
Rashidat Mumuni -Fish Selling, Nigeria
Karla Vanessa Montiel Barahona -Housing, Nicaragua
Eal Nub -Fish Selling, Cambodia
Atim Irene's Group -Medical Clinic, Uganda
Obama Group- Grocery Store produce- Dar Es Salaam, Tanzania
La Esperanza Group- Materials such as sugar cane, flour, sugar and coal- Ita, Paraguay
Siguikadi Group- Purchase of selling items -Kadiolo Sikasso, Mali
Altantuya Lhasuren- Butcher Shop- Tsetserleg, Arhangai, Mongolia
As of today i've loaned and re-loaned out a total of $525 through KIVA to 21 different groups in 20 different places all around the world. Its amazing what $25.00can do!
Like Kiva? Think its neat? then Lend Kiva
Lots of updates to come over the weekend...
I've been a really really busy bee lately... lame (I know)... but updates will follow on Saturday!
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