The year of my heart attack and you can see why. Debts barely exceeded assets. I worried about money constantly. Not a pretty sight. The new $21000 debt was taxes as I didn't have any money to pay taxes when I missed work for so long.
I haven’t kept a family history per se, but around 2009 or so I started keeping track of our net worth on Networthiq.com. Unfortunately, the website hasn’t updated and I worry it’ll crash someday as there’s no one maintaining the site. Each month I would enter our family totals of debt and assets. Included in the form is a place for comments. Recently, I started saying more what we’d been doing so as to remember things. It’s hard to remember when we did what! So while this is more a history of our financial journey it also includes some family details. NOTE: We started the Debt Snow Ball in January, 2009 and completed it December 31, 2016. We started 2017 with no debt! Bing
(See monthly Dollar summary at the end of the narrative)
2003
January 2003: Assets: 286,462; Debt: 313,112
2004
January 2004: Assets:
2005
January 2005: Assets:
The year of my heart attack and you can see why. Debts barely exceeded assets. I worried about money constantly. Not a pretty sight. The new $21000 debt was taxes as I didn't have any money to pay taxes when I missed work for so long.
2007
January 2007:
This was the year we couldn't pay taxes. It caught up from us from being behind in 2005 from my heart attack. Our CPA got us started paying taxes every month so we wouldn't get behind again, but this meant making up a year's worth of taxes all at once.
January 2008: Assets: 439,438; Debt: 311,996; Net Worth: 127,442
This is our net worth 13 months before we started our Debt Snowball. YIKES!
2009
January 2009:
This is our net worth just prior to starting our Total Money Makeover with the Debt Snowball. Our debts our outlandish and in serious need of an overhaul. In the market downturn, our retirement got as low as 117000 in March of 2008. The rest of the year the market went up so it didn't feel so painful. However, this is still down quite a bit from the high of October, 2007 when we had 198000 in retirement.
May, 2009:
June, 2009:
This is the month I started with Networthiq. I was able to enter monthly on the website from May, 2009 going forward.
July, 2009:
The reason our savings went down this month is:
$3000 for a car; this $3000 is added to car value
$1000 donation to son going to England
$3000 for 2009 taxes
The reason our portfolio increased was because more debt was paid off and our retirement (mostly growth stocks) went up in July.
August, 2009:
We paid of the Toyota from Brandon this month. We also bought Brandon $1900 worth of clothes for England and $500 for Philly and rented hotel rooms for a going away party for them for $500. We also took a motorcycle trip with Al and Sharon in Central Iowa and spent $300.
The stock market went up this month so that improved our retirement.
Cash is up because taxes are due on the 15th ($1666) and the moneys are in hand.
Sept., 2009:
Stocks were up again this month.
Our savings is up because Mary Sue got some closing funds from Iowa Heart when they were bought out by Mercy Hospital. We also decided to increase our emergency savings before paying off more debt.
Our payment for our Chase credit card went from $700 to $1400 so that is reducing faster. Going forward we are going go knock that off next after the second mortgage.
Extra Expenses this month: party for Brandon and Philly in St. Paul.
Oct., 2009:
Stocks were down this month. Our retirement went down 8K in October.
We paid off our 2nd mortgage on October 31st. YES! Last payment was $3135. That lowered our savings. The original amount was $20,000. Stupid. Stupid. Stupid. We initially had a 3 year loan on our 1995 Blue Buick LeSabre. We consolidated that loan with other debt into 10 year 2nd mortgage loan in 2003. This is the definition of stupid.
This year, counting our mortgage, we've paid off $43,333 as of October 31, 2009. That's not too shabby
I've been writing these reports on the 10-15th of the month. Today, I'm doing it on November 1st, so some debts do not reflect a payment as I did September's report only two weeks ago. I'll try to be more consistent and do it just after the end of the month going forward.
Our next debt to pay off is our United Credit Card. We've had this card forever. It got to a high of $38,000 at one time. Insane we were. Two months back they more than doubled our minimum payment from $550 a month to $1400! This totally freaked us out. Fortunately, we were in the middle of our Total Money Makeover and were nearing paying it off. We made the $1400 payments for two months (one more to go in a week or so) and then rolled it into our TMM and will try to pay off $4000 a month (more if we're lucky) and knock this noose around our necks once and for all. That will be a happy day. Our goal is to pay it off before we go to England in April. Probably won't be able to, though.
We already have over $2000 saved for our trip to England, thanks to the bonuses MS got from Iowa Heart selling out to Mercy Hospital.
We don't get an HSA account with Mercy, so we're going to put $100 a week into an account we already had at Greater Iowa. We'll earmark that account specifically for medical expenses. We do have over $2700 in our HSA account now but we owe that much to McFarland, so it's a wash.
Since we joined Networth in May, this is the first time our net worth dropped. We pay off debt each month and our retirement had been going up each month, so the difference showed an increase overall. But our debt reduction couldn't keep up with the stock market drop this month. Bummer.
November, 2009:
Stocks were up this month.
We saved more this month because
-MS got a number of bonuses from Iowa Heart, one being $1000 for completing 10 years
-We started systematic savings for our own Health Account because Catholic Initiative (who bought Iowa Heart) doesn't have a HSA and for our trip to London. We now have $3750 saved for the trip, most from MS's bonuses.
-H2HC has continued strong and I was able to catch up on past bills and also start saving for Retained Earnings. That alone added over $2500 to our net worth.
-Our debt reduction was lower because we're saving for a larger payment on our last credit card. Dec 11th we hope to pay about $5000 payment ($3500 from personal and $1400 from business. That'll lower our savings but increase our debt reduction. Whohoo!
-Our car repair and car replacement fund took a hit because we paid to have Emilie's car towed to Ames from Roseville, MN and used that money for that. The tow cost $442.
December, 2009:
Stocks were up this month.
Debt reduction was down this month because we helped Emilie with getting a used engine in her car ($2111), I gave Carol Caskey a 10 year bonus ($1000), I gave Marty $200 for his help with the company blog, I had to buy two Apple iMacs ($3153) in order to convert from 3-ring binders to Quickbooks for company accounts. Christmas also took a bite, so our debt reduction was down. These months we're trying to knock off the United Credit card ($20723 above). The "other debts" is taxes for 2007 and $1500 for a computer for Emili. We're paying off the larger one because they doubled the payment in September, 09 to $1400. This month we paid $3000. We continue to save for England and have around $6000 saved, counting monies saved in ING for business expenses while I'm gone.
2010
January, 2010:
For the first month of the year stocks took a hit so our retirement is down. For one day, I think it was January 14th, our retirment hit 200,000. Then it went down the next day and continued down over 10 grand for the rest of the month, off a nearly $5000 from December 31.
Mary Sue signed up in mid-January for her 403B with Catholic Health Initiatives. We're putting in $80 per pay check until we get out of debt. We're still saving for England and will buy tickets soon, so next month our savings will be down. We cut our monthly discretionary expenses from $1700 in October to 1101.97. Our goal is $1000. We also started saving $25 every week for Christmas presents so we have money next December. That'll be nice.
Business checking is nil and FNMS is down because I just paid quarterly taxes and income in January for the business is down due to the holiday patterns in December. January really was our best January to date in terms of income earned, but this won't show up until February. We're hoping the business continues this upward trend so that we can pay off our debt faster. We'll see.
NOTE: The "savings" category above includes both personal and business savings and all cash on hand and in all checking accounts.
NOTE: The report for January is one day off (February 2) due to our internet service being off on January 31-February 1.
NOTE: Other Debt includes $1000 left on Emile's computer which was bought in December, 2009. The rest is 2007 taxes.
February, 2010:
We continued to save for our trip to England. We did our net worth after spending $3000 on flights to England. We paid $3250 on our one large credit card that is left. February this year was a our best February at H2HC to date and continues to be solid going forward. We missed some appointments due to snow and the flu. Stocks went up a little for the month but still are off overall for the year.
March, 2010:
This month ended when we were in England and our balances will take a while to figure out because Marcella, Emilie and Marty were going to pay me some money back. Also, our cash balance is high now, but we owe over $10K in taxes on the 15th so that will look a lot lower next month. However, it's nice to have the money to pay taxes. We owed extra for 2009 due to Mary Sue's Roth IRA that we started with $$ from Louis' Savings Bonds we cashed. We also owed on Mary Sue's Mary Greeley Retirement that we don't have taxes taken out. $2500 is estimated for 2010 and $2000 is company taxes from March 2010. We spent $$ in England also when we visited Brandon and Philly and Alyas. The stock market went up around $12K this month so that helped the bottom line. Due to our vacation trip we didn't pay off as much on our debt. Next month we hit that big time again.
April, 2010:
This month taxes were due and we owed $5150 in Federal and $1338 in State. Quarterly for personal was $2500 Fed and $350 State and for the business another $1300 or so. Plus, we're still paying $500 a month for 2007 = 11,138 in one month! YIKES! This is reflected in less savings. In addition, we bought tickets for Mary Sue to go to England again this summer and that cost another $1100. The stock market went up a tad. We could have paid another $2000 on the United Card, but decided to wait and keep the extra cushion as I missed two Fridays and Saturdays from work in April due to CEU's (I've got one more class in May and then I'm done with CEU's for two years). So the CEU's and trip to England meant I worked less days in April (7). The last week in April we had 14 cancellations or no-shows. Not sure why. Possibly the nice weather?
May, 2010:
We received a $1000 refund for 2009 taxes and the IRS automatically applied it to our 2007 tax liability (Other Debts). The stock market took an 8% loss in May. Our retirement went down 6.81%. We paid off over $4000 on our credit card that at one time had a balance of 38K! We're hoping to pay that off in a couple of months. Savings went down because some of that was build up of cash flow payments on our credit card. We're saving $100 a week for Mary Sue's trip to England to help bring home Alyas and Brandon and Philly's new baby in July. This is the second down month in a row for our total net worth, the first time over one month was down in a row since we started on NetworthIQ a year ago.
June, 2010:
We helped Emilie purchase a single bed mattress for her new bedroom as she's moving in with two other women and needs to get rid of her queen sized bed. We paid for the whole thing at Slumberland ($1100) and she'll pay us back half. We took the $$ (1107.66) out of our vacation fund. We'll have a month to replenish it prior to Mary Sue's trip to England to help Brandon and Philly move back.
My dad paid me $1580 for my half of the boat, motor and trailer, so he owns it all now. I put that money into our car replacement and repair fund.
We gave Brandon and Philly and Jeff and Heather (each couple) $50 for their anniversary.
July, 2010:
Car value went down because we gave Brandon and Philly their Toyota back and didn't charge them anything. Savings went down because we had a cushion built up for emergencies when Mary Sue went to England and when she returned we paid off the Evil Credit Card that we've had over 30000 in for over 10 years. At one point it got up to $38000. How evil is that! So we finally paid it off this month and we're very happy about that. All we have left on debt is 2007 taxes, student loan and mortgage. We're knocking off the debt! Almost $80K since we started the debt snowball Jan, 2009. The stock market went up this month so we had a nice boost to our bottom line with that.
August, 2010:
The stock market went down again this month so our retirement took a hit. We didn't pay too much more down on debt because the first week of August we paid off our Chase card with a payment of over $5000 and I credited that payment to July. Since January 2009 we've paid off $80230 and knocked off 6 creditors (Younkers, First Federated, Wells Fargo, Macy's Principal and Chase Visa). We have three left: 2007 Taxes (left over from my 2005 heart attack), student loan and our mortgage. Brandon and Philly moved into their new house and we spent some monies helping them get some things to make it a home. This also cut back on our debt reduction this month.
September, 2010:
The stock market went up this month so that helped our retirement. Mary Sue received her last bonus check from Iowa Heart due from before the company was sold to CHI. The amount was $3107 and went into her Fidelity retirement account. The business continued to be slow, picking up toward the end of the month. July, August and Sept were down from the last two years. Client load is picking up. Not counting our house equity, our Net Worth is in the positive for the first time this month! YIKES! We've got a long way to go. This is our highest net equity month to date.
We paid more on our mortgage this last month because we pay every other week and every 6 months there's three payments in one month. This August we made three payments, so more went to principle than normal.
October, 2010:
Savings was down because I got caught up on bills for the company so company reserves were lower than normal.
The stock market continued it's climb upward having a positive impact on our retirement accounts. We paid $2750 on our 2007 taxes, hoping to pay off the rest next month. We kept other spending to a minimum which helped our cash flow. Business has been slow since the end of June, so we've had less monies from there to help with the Debt Snowball. It finally picked up the last week of October, so we're hoping to apply more toward our debt. Once the 2007 taxes are paid all we'll have left in debt is one large student loan and our mortgage. YEAH!
November, 2010:
We made a larger than normal payment on the 2007 tax ($6000), so that hit our savings some. We hope to knock that out at the end of December, 2010! The stock market was flat for the month. We met on the last day of the month with Bill Kent of Edward Jones in Fort Dodge, to transfer over Mary Sue's retirement from Iowa Heart (they were bought out by Catholic Health Initiatives, so we have to switch her retirement around). We'll be transferring that over to Edward Jones (mostly in American Funds mutual funds and a small amount in an REIT and maybe one oil stock as per Bill Kent's suggestion), so will have some fees associated with that next month.
We made a trip to Brandon's for the Sunday before Thanksgiving and and a trip to Willmar and also dinner with Marcella and family for her 80th birthday and dinner with my mom and dad and Emilie (our treat). Mary Sue bought a few Christmas presents, so our savings was down from that, also.
December, 2010:
This month we transferred MS's 401K from Fidelity (her company sold out to Catholic Health Initiatives so her retirement switched accounts.) to Edward Jones, so we had some fees involved there. The stock market gained slightly in December. We also celebrated that we paid off our taxes from 2007 after my heart attack in 2005. The tax bill was as high as $21000 at one point. We paid off $45738 in 2010 in debt vs $48521 in 2009 (total: $94269 since we started the debt snowball in Jan. 2009). That's pretty good in light of going to London to visit Brandon & Philly in 2010 and the business was down from July to December from the year before. We had some usual Christmas spending so our debt payments in December was down this month. Marcella gave us $2500 for Christmas which is in savings this month but we will add it to MS's Roth IRA next month for 2011. At 272K, we are at our highest net worth to date, growing just over $76k for the year. Since we started the Debt Snow Ball in January, 2009 it's grown from just over $100K to $272K today, or over $172K or $86K per year average.
2011
January, 2011:
Marcella gave us $2500 for Christmas and we added that to Mary Sue's Roth IRA. The stock market didn't go up much otherwise this month. We spent $700 on airline tickets to go see Jeff and Heather in February. We only paid $615 on our Student Loan because we still have to pay for rooms to stay in Atlanta and for other things and need the cash. We're going to try and build up our cash reserves a bit more and cut down on debt repayment for a bit. We also had to pay quarterly taxes this month so our savings went down from the previous month.
February, 2011:
The stock market went up this month. We went to Atlanta to see Jeff and Heather and eat at his new restaurant (it was awesome!). We had expenses for the trip, including taking him shopping for his BD. We also made a trip to Council Bluffs for Philly's thirtieth BD and had expenses for that. Still, we paid off a good chunk on Student Loan debt because we took out of our car fund (leaving $1000 in there), to get the balance under $70K, thus our savings are down a bit. For the first time out debt (including out house) is under $200K!
March, 2011:
The earthquake and tsunami in Japan hit stocks pretty hard earlier in the month, but by the end of the month our retirement had recovered. Whew! We're lucky it even gained a little. We were able to pay another sizable payment to the student loan ($5000). It's nice to keep knocking that out. Emilie returned safely from her trip to India, for which we are grateful.
April, 2011:
The stock market rose quite a bit this month so that helped the bottom line. We had a lot of travel this month (Twin Cities to see Em for her BD, Byron to my mom and dad's for Easter, Council Bluffs for Alyas' BD) and that hit the amount we could put into debt retirement.
May, 2011:
The stock market took a hit this month and we lost nearly 10 grand. In addition, Brandon and Philly needed to move due to flooding and we went to Council Bluffs one weekend and watched Alyas and Lydia the next weekend. Both of these cost us beyond our normal budget. We took Brandon shopping for clothes at Bass Pro Shop, too. Jeff was going through a divorce and strapped for cash so we gave him $750 to cover him til his next payday. He's supposed to pay us back $500. Meanwhile, the business was down $3000 from the year before for the month. Not a good month financially. NOTE: Numbers for savings and retirement for the end of May are rough estimates as I didn't do this until June 10th.
June, 2011:
The stock market rose this month after taking a nasty dip. We even came out a bit ahead. The company has been down so there's nothing left for debt reduction. I even took a $1000 a month pay cut so we could get caught up on accounts payable. We owe around $2000 there. With little going into debt reduction from our salaries (because it's off $1000/mo) and nothing from the company, we didn't pay off much debt. Finances didn't move much this month.
July, 2011:
The stock market was down again this month due to the political uncertainty in Washington regarding raising the debt ceiling by August 2, 2011. As of the end of July, this had not been decided and the uncertainty negatively affected the markets. July was the slowest for my client load in a long time. Carol was busier than normal so hers was up and mine was down. We had less monies for debt repayment. We are also trying to rebuild our savings so less for debt repayment. Without monies from the company paying down our debt (we were using $3000 a month to pay off debt last year), it greatly reduces the pace for paying off debt. This is discouraging, but if our debt hadn't been reduced by now where it has we'd be in pretty big trouble. Meanwhile I'm trying to figure out how to create residual income from the business. This month Brandon designed an affiliated program with Amazon through our website and in recent months I've been experimenting with digital recording for training resources for clients and professionals, so we'll see where that leads. I purchased www.thrivingtherapists.com and hope to upload podcasts for professionals on that website that eventually can be marketed. In the meantime, Brandon can listen to them and learn my techniques. I've been doing this on morning walks with a portable digital recorder and am getting better as I go. This has potential. I started the "Ask Dr. Bing" podcast in April and am trying to add a podcast a week, but this has been difficult to do due to the extra time to do the technical part. Brandon is going to do this for me going forward for a fee per time. Marty is also redoing the website on an ongoing basis and it continues to improve.
As of August 8, 2011, when I wrote down our savings and debt repayment, the stock market took another pretty big hit due to the downgrading of US debt obligations. However, I've been using the stock market report from the end of the month (July 31) and the debt repayment and savings added after we made our student loan payment which is usually after the first week of the month. If the stock market does not rally this month, we'll be down another 19K or so. YIKES!
August, 2011:
The stock market was down and then came up 1/2 way. Our retirement was as low as 218,000 and ended up to 231k by the end of the month. Still it was down 13,000 in one month. Retirement and debt reduction have been pretty flat the last six months. August was up a little at the business compared to the month before, but it'll take awhile to make up for the recent slow months. We took a trip to Emilie's Triathalon and two trips to the State fair, so that cut into our debt reduction this month.
September, 2011: I did not keep records these three months. Not sure what happened.
October, 2011:
November, 2011:
December, 2011:
Firefox wouldn't let me login to this account for a few months due to some security issue. In December I bought a new computer so tested this website with the old computer and this website was working fine. So I'm back on. Since the last posting the stock market has been way up and way down and had leveled off by the end of the year. My company business continues to be slow so we haven't been able to knock off debt as fast as we'd like. So we're sitting flat and have been for a while.
2012
January, 2012:
The stock market went up this month (Jan, 2012) the most for a decade or more, so that helped our outlook pretty well. It's been awhile since things have gone up that much in a month.
February, 2012:
The stock market went up this month (Feb, 2012) so that helped our bottom line, almost bringing our assets to over 1/2 million. Nearly there. We paid of Jeff's student loan (6047) this month. This debt was in my name but we hadn't had it on our networth statement as he was supposed to pay it. So paying this off hurt our cash flow and does not show up on the monthly reports.
March, 2012:
The stock market went up this month (March, 2012), the best quarter for the stock market since 2009 so that helped our bottom line. This month we crossed the 1/2 million mark in total assets (not counting debts).
April, 2012:
The market was pretty flat for the month, although it went down a few percentage points before recovering at the end of the month. We received $1800 from taxes and used $1000 for clothing and a the rest we're thinking off applying to a different car. The Lexus is reaching 300K! We also took a trip to the Twin Cities for a workshop I attended at the Bloomington Embassy Suites Hotel. The counter clerk at our Hampton Inn down the street told me we needed a taxi to go to Manny's in downtown Mpls for dinner. That taxi cost us $120! Emilie gave us a free meal at Manny's which was awesome.
May, 2012:
The stock market had the biggest one month decline in a couple of years, knocking off most of the year's gains, so our bottom line to a hit. Dad had a heart attach, stroke and diabetes spike and was in the hospital and had to be transferred to rehab in a nursing home where we also had to put mom. Several trips up to Rochester and paying for repairs on dad's home, plus clothes and things for the nursing home also added up. Plus, this month in my business counseling really slowed down. I talked Craig Butterfield and he's down and he said other counselors he's talked to are down also. It must be the warm weather as people have been camping since April this year!
June, 2012:
The stock market rose this month, but didn't make up for all of last month's losses. We bought Marcella's 2005 Toyota Camry XLE with 28K on it for $8000. She gave us a great deal. It's worth $14000. We paid $1000 down. We'd have paid more but we're also refinancing our house and we need $4000 for the closing costs. About $2500 of that is for escrow which we'll get back in 30 days and then can put that toward the car payment.
Business is down this June with my worst month for 5 years. In addition to having few new clients, I'm no longer taking 7 PM clients in DM (as per my sleep doctor that I need to get home and relax before bed more because I have sleep insomnia) so that's cutting down the number of clients I can see. We've also had a super warm and dry spring so people are outside more. I'm hoping things pick up here soon.
July, 2012:
This month we purchased a new Keystone Bullet travel trailer, 28 foot, 2012 from Camping World in Council Bluffs. We paid cash using Mary Sue's inheritance from her dad which we'd invested in New Perspective Fund in a Roth IRA. We were able to take out 22,000 without tax penalty. This lowered our investments in retirement, but increased our personal property values. We are also in the process of refinancing our home and that will lower our interest rate from 6 to 3 % and we will pay it off in ten years. Of course, we hope to pay it off before that.
August, 2012:
The stock market was fairly flat this month. We are waiting for a refund from refinancing our home from 6% to 3% and to a 10 year note. That monies will be put toward the car to pay that off. We spent quite a bit of money working on mom and dad's house cleaning it out and getting it ready for the sale, so that limited excess monies for debt reduction. Also, we purchased items for our new camper, which also hit the budget.
September, 2012:
The stock market rose this month and we received our escrow monies back from CitiBank upon our refinancing of our home with Great Western Bank for 10 years at 3%. We took the $2500 we received and added it to the repayment of our Camry to Marcella. On a depressing note, I munched the back left 5 feet of our new trailer, so next month we'll have that repair as an added cost.
October, 2012:
I drove the new trailer into the storage fence in Nevada and ended up totally the whole thing. Insurance gave us a check for $27000 to replace it, including sales tax. We haven't decided what to do. We're going to try to pay $1333 a month this and the next two months to pay of the Camry by the end of the year. Stock market went up at the beginning of the month and tailed off toward the end. Not much going on there. Hurricane Sandy forced the stock market to close for two days at the end of the month.
November, 2012:
Paid off the Camry this month, though we took it from savings. We also took $800 from savings to buy two HDTV's for our Christmas and my BD present. The market rose a bit this month also.
December, 2012:
Bought our new RV (Jayco Jay Flight 22FB for $15550 plus taxes, etc.). Paid cash so cash assets went down, but "Other Assets" went up. Stock market also went up a bit this month.
2013
January, 2013:
The Dow Jones Ind. Ave. was up 5.8% in Jan, the highest Jan gain in a couple of decades. Our overall portfolio was up 4.28 for the month. We're paying the minimum on debt for now to build up reserves. Also, Dec was down for our business (H2H) and that hit the salary for January. Still, Jan, 2013 was up $5300 from December, 2012 in income earned for the company.
February, 2013:
The Dow Jones Ind. Ave. was up flat in Feb,at the end of the month but during the month was up and down. The company was steady but not enough to overcome how much I got behind in the previous months. I'm two paychecks behind on my own salary, so we're unable to knock off any more debt or to save much.
March, 2013:
The Dow Jones Ind. Ave. was up for the month again. We are trying to increase savings for now instead of paying everything toward debt. Next month we should be getting $5000 back from taxes and we'll put that toward savings also. In April we pick up our new Jayco trailer, so we're excited about that. This was my worst March for business so that doesn't bode well for the future.
April, 2013:
The Dow Jones Ind. Ave. was up for the month again. Our savings went up because we received nearly $7000 in tax refunds from both State and Federal. So our overall portfolio went up. However, the Lexus, with 319,000 miles on it is in serious condition with two car repair places telling me to junk it. Fix-it-Auto is looking it over right now (4/29/13) to see if it can be fixed. If not, we've decided we'll junk the Lexus and trade the van in for a pickup which MS would drive to work and I'd drive the Camry to DM. Then we'd have a vehicle to upgrade our travel trailer eventually if we like. If the Lexus can be fixed we'll continue to build our savings. However, then we are thinking of buying a new rear door to the house, new carpet for the hearth room and a new bike for MS for her 60th BD which is coming up. Lots of changes coming up.
May, 2013:
The Dow Jones Ind. Ave. was up for the month again. One of our holdings (Realty Income) was off 15% for the month due to fears in the loan industry. Realty Income is fine, but the REIT sector took a hit. Our savings went down as we bought a bike for each of us and accompanying equipment for about $3500. We also spent some more for our new RV getting it outfitted. We should be done with that. We bought equipment to start two hobbies: RVing and bicycling all in a short time frame. They go together. Now that we have that settled we can get back to paying off the student loan. Marty is going to start paying on it again. He quit when he started his company a year and a half ago. We also had to sell the Lexus (to the junk yard for $285) this month. It cost more to fix than it was worth. That lowered our "Other Assets" category, but the value of the bicycles made up for it.
June, 2013:
The Dow Jones Ind. Ave. was dropped quite a bit and then recovered about half of its loss toward the end of the month due to fears the Feds would lower the amount of fake money they were going to print. We were still down a bit for the month. We didn't save much or pay much extra on debt due to our vacation with the Grandma Cella, Emilie and Brandon's family at Adventureland.
July, 2013:
The Dow was up pretty good this month so retirement was up, too. We bought a bike rack and overhauled my dad's old Schwinn Bicycle, frisbee's for frisbee golf when we go camping and also bought an ice machine for camping, so we didn't build savings much or pay much extra off on the debt this month.
August, 2013:
The Dow was off this month as was our overall retirement funds. We took a week's vacation to Minnesota (Willmar and Oxbow Park in Byron) with the extended family and spent quite a bit of money so debt reduction and savings took a hit. I also bought two bikes off Craig's list for Brandon and Philly ($275). Marty started paying us $150 every two weeks to help toward his student loan again (He'd quit for 19 months while he got his company started.) so that will enable us to make a larger payment each month.
September, 2013:
The dow was up this month, but took a hit the last week. Even so we were up around $15000 for the month, the biggest rise month to date? I'd have to check. I took a week off at the end of August to camp in Byron at Oxbow Park with our kids and then Cindi's family and dad came out. Even Jeff and Ryan came. It was nice to see everyone. That prevented me working up more savings. I also bought three bikes: 2 for Brandon and Philly and one for me, all mountain bikes from a guy in Ankeny off Craig's list. A great deal, but our savings took a hit there too. We also bought lights for MS's and my bikes so we could ride after dark or before dawn.
October, 2013:
The stock market is up for the month. Business has been up, so that's helpful. I'm running a balance in the checking and money market account, which I use from Credit card payments to pay taxes. I usually don't have much money sitting in the business accounts, and it's over $5000 now, so this is a nice change. We bought a bicycle trainer this month for $350 and with accessories ran $500. We also went to Lanesboro, Minn to go bicycling on the Root River Trail. Very pretty. Also had to buy a battery for the Van, shoes for MS and three Enro shirts for me. It all adds up.
November, 2013:
The stock market is up for the month. Business continues to do well. I had 3 weeks in a row that averaged over $4000 per week in earnings. We bought a few clothes this month for the winter: hiking boots for both of us and base layers for me for biking. We also spent some monies Christmas shopping in Willmar over Thanksgiving. Savings in the tax account is over $7000 and there's a $4000 cushion in the business checking. I've never had $11000 cash before in the business accounts, so that's cool.
December, 2013:
The stock market is up for the month. Business continues to do well. H2HC did $5000 more than the same month last year. We spent way too much money this month, though. Our cat needed to be put to sleep because of peeing all over the house with kidney problems. That was $300. It cost $600 to have the carpet in the whole house cleaned. We needed new tires for the Van: $500. We spent $300 to pay for two babysitters for Brandon's kids so we could work while we watched their children when they went to Atlanta to see Jeff. Then we had the normal Christmas presents and travel, including staying an extra day in Willmar while Marcella got a new furnace because her's went our just before we got there. We couldn't leave her alone with the cold weather and only space heaters. That meant that I missed a day of work so I had less income from that, too.
2014
January, 2014:
The Dow went down 5% for the month, the worst January in 5 years for the stock market. Our retirement didn't go down that much, but it took a hit. Savings is climbing because business was good in January and we are committed to paying off the student loan debt when our savings exceeds our student loan debt. Some of the cash will need to be used to pay taxes and the "cash" item above is monies from all accounts. We can't just zero out all accounts. After December our spending is also down. We can't wait to pay off this student loan. It's been a burden too long.
February, 2014:
We recovered the losses from January in the stock market and then some in February, gaining 4.34% in February. This might be our biggest gain in one month for our retirement ever: $18,000. We're seeking to cut spending and build savings so we can knock off the student loan payment this year. What a relief that would be!
March, 2014:
The stock market was pretty flat this month. We found out Marcella had given us $25,000. We haven't taken possession of it yet...not til Easter, but it's included in this net worth summary. We plan to use the money to pay off the student loan and then use some of the extra savings to trade our van for a newer SUV. We will also be paying taxes next month. NOTE: We received our new assessment for our home for tax purposes and the assessment was $244,000, which was $28K higher than the previous one several years ago. I've listed our house at $225,000 in this monthly report for a long time, so it's probably past due to compute our net worth at a bit higher number. But it looks weird jumping so much in one month.
April, 2014:
The stock market was pretty flat this month. We picked up the $25,000 check Mary Sue received from her mother. We applied that to the student loan. We also had money saved and paid the entire student loan off and put about 3,000 toward the 2007 Lincoln Navigator. We still owe $17000 on that, but hope to pay that off soon and be done with the debt snowball altogether.
May, 2014:
The stock market grew this month as did the cash in the company account. We are also saving more and paying only the minimum on the car payment so we can improve our emergency funds. Later, when we have enough to pay off the Lincoln, we'll do that all at once. May this year was our best May to date in terms of Accounts Receivable, helped by adding Psychology Today as an advertiser, especially in Ames.
June, 2014:
The stock market was up this month, so our retirement was up for the month. But our washer went out and we had to replace the washer and drier for $1500. Then we had a guy from church (Erik) build us some new shelves in the garage and repair our deck for $1000. Both of these hit our cash reserves pretty hard. We also took a trip to help Emilie move back home prior to her move to the Dominican Republic, so we had some expenses there. Mary Sue drove the Lincoln to Wilmar to help her mom move her aunt and uncle to a nursing home. Both of these items ate cash.
July, 2014:
The stock market was down this month, first month in awhile. We did some traveling, two camping trips: one to Adventureland with Brandon's family and Emilie. Hillary, Em's friend and Cole, Brandon's friend, joined us there. We also camped at Walnut Acres in Monticello. Very nice campground. We toured the American Motorcycle Museum. We had Erik from church level our barbegue and back patio, also, so there was more expense. Savings took a hit as a result.
August, 2014:
The DJIA was up 3.23% for August, pretty good for a summer month. We continue to have major bills. We spent around $4000 on both cars (2007 Lincoln Navigator both rear panels body work and 2005 Camry door ding that was rusting) to get fixed. We also went on vacation with Cindi and Craig to Lanesboro, MN where we hauled our Jayco 22FB. We also attended the Iowa State Fair twice, once with Brandon and Philly and family, fun things all, but they eat up cash! We started this month giving $150 to Emilie ($50 to her checking account to assist her if she has to come home for an emergency from the DR and $100 toward her Roth IRA as her one year ministry does not offer any retirement.
September, 2014:
The DJIA was down for August .17%. Business was good. This was our best September so far. This month marks the first month we owe less than $100,000 on our house. Toward the end of the month I started having chest pains so went to the doctor and had an echo done. The first day of October I have an angiogram to see if anything is up. We celebrated my mom's 90the Birthday and Mom and Dad's 65th anniversary mid-month. The day I got back my heart really hurt. I thought it might be stress related, but it seems more than that. So we'll see.
October, 2014:
The DJIA was down and up the same month and our retirement ended up being pretty flat compared to two months ago, but up from last month. We're trying to pay off the Lincoln a $1000 a month and also add around $2000 to retirement each month. I've had health issues: angiogram (didn't find anything, but I have to cut down my stress so reducing therapy hours) and an enlarged prostate (catheter for a week and meds and it works now, so no surgery) and now a cold and flu for a week. I also missed 10 days of work which meant I had to take some monies out of the company savings to cover company bills this month.
November, 2014:
The DJIA was up in November, which helped our retirement account. We're not paying so much on the Lincoln this month to pay for Christmas. Otherwise, no big expenses this month other than a trip to Willmar and White Bear Lake for Thanksgiving. Brandon and family went with us in the Lincoln.
December, 2014:
The DJIA was down 5% for a week due to international fears from the diving oil prices that are down nearly 50% since June. Russia's economy is largely affected by oil and there were jitters. But the American economy bounced back, reached new highs and then retreated2%the last two days of the month. I bought a HP computer to use for dictation and paid cash and we also traveled to Minnesota and spent quite a bit on Christmas. I charged sapphire earrings for Mary Sue at her jewelry store in Willmar for Christmas. Hopefully we can pay off the Lincoln in 2015. We saved more for retirement this year than in any previous year, over $23000. The previous high was the year before that of $15500. We plan to save $26500 for retirement in 2015. This would mean a nearly 7% increase in retirement based upon $380500 in there now. This last year our contributions to retirement increased also about 7% due to contributions and just over 7% for the market, leading to just over 14% increase overall. Our net worth increased for 2014 just under $100K, for which we are grateful. A really great and awesome thing was paying off the student loan in April of 2014. That had been a horrible burden. We then bought the Lincoln and spent $3000 on a down payment and with taxes and car repair and licenses and debt reduction on it, paid another $13000 on it. For the first time we have a couple of decent cars.
2015
January, 2015:
The DJIA was down up and down like crazy this month. We're adding about $2000 a month to our retirement and over the month our retirement account only went up $14 so with the money we added, we ended up with a bit of a loss for the month. We've added to savings because I had my second best January at H2HC and also we're saving up for a new patio door. We're putting other spending on hold including paying down the Lincoln as we're paid up til May on that. My dad had another heart attack and had to moved in with mom because his memory isn't what it needs to be and he was at risk for bolting and he was isolating himself too much. Being with mom should help him out a lot. I hit 400 blogs posted on the website this month, also.
February, 2015:
The DJIA was up this month. We continue to save for a new door for the back deck. We're watching our spending due to that. However, we planned two camping trips this summer (1 wk each in Northern Michigan and Sibley Park near Willmar) that cost over $400 to reserve. That was our one big expense of the month.
March, 2015:
The DJIA was all over the place this month. We were up to over $400,000 and then down to $385,000, then ended the month a couple thousand short of last month. We've been saving so we can redo the kitchen sink, faucets and a new back door. Meanwhile we discovered the main floor toilet was leaking and ruined the bathroom floor and leaked down into the basement bathroom ceiling. Tomorrow a buddy from church, Erik, is coming to take a look at that. Household expenses will be up for April. We haven't been paying extra on the car loan in order to save money so we can do these house repairs. We haven't done many repairs on our house and next month we'll have been here for 15 years, so it's past due. Next month we'll be paying $6400 in taxes (state and federal). In March Brandon and I started a new company called Thriving Productions, LLC. I put $5000 in that company. Brandon and I own the company 50-50, so I only figured $2500 for the value of that right now. That explains our savings dropping in addition to we paid for a $400 sink for the kitchen.
April, 2015:
The Dow was up this month, as was our retirement fund. Still, in the last two days of the month our fund went down $5000! We paid our taxes, which, with State and Fed, 2014 and 1st quarter 2015 was $10,000! Yikes! We also started our expenditures on house repairs. Installing the kitchen sink and new faucets cost $1200, we paid a repair guy from church, Erik, $600 to paint and install towel racks. We paid $500 toward our new door. We put the new door on a new Lowes card as we received 15% off on the door, which saved us $600. We plan to pay that off in a few months. The door cost with installation, $3800. The bid from Pella for the same door was $6100. The door is being installed next Wednesday. Brandon and I also formally started the new production company, called Thriving Productions, LLC. Last Sunday Brandon, Philly, Mary Sue and I all signed the Operation and Buy-Sell Agreements. We'll see where that all takes us.
May, 2015:
We had the new door installed for the deck and paid $1500 toward it. The Camry conked out on I35/80 in Urbandale and needed a tow and a new timing belt and water pump which ran to $1050! Yikes! Houses are selling in one day in our neighborhood and for a lot more than we had our home value listed in this program. So this month I increased it to $260K. It's probably closer to $280K. We camped with Brandon and his family at Volga River Recreation Area. They only stayed one night because of rain. Mary Sue and I relaxed and had two nice side trips to Elkader and Decator.
June, 2015:
We're still paying on the new door and owe about $800 on it. We had to have a new air conditioner and furnace installed for around $8000. With rebates it was at about $6000. We paid $1500 down, $1000 of that was from Marcella to help us out. All the rebates are not back yet and when they are applied that'll take the balance down. This month the stock market took a hit on June 29, 2015 when Greece defaulted on it's debt and Puerto Rico announced it wouldn't be able to pay it's debt either. The next day the stock market was up a bit, but we took a little hit for the month.
July, 2015:
The stock market was up for the month, so that helped our networth rise a bit. We camped at Adverntureland again and took Brandon, Philly, Emilie and Hillary and the grandchildren to Adventureland Park for the day. We went to Michigan for our 40th Anniversary and spent monies there, especially gas. We camped at Holland State Park in Holland, Michigan where we saw stunning soft, broad beaches. Then we camped the rest of the time at Interlochen State Park in Interlochen, Michigan, about 15 miles south of Traverse City. We checked out that city as well as Sleeping Bear Dunes National Lakeshore and Mackinaw Island where we had our 40th Anniversary dinner at the Grand Hotel, which matched it's name. We also bicycled in these places. It was a wonderful trip together with just us, our first trip without any extended family in our Jay Flight 22FB. We traveled nearly 2000 miles for the week. This meant we couldn't pay off as much debt as normal as we're trying to pay off the new door and the furnace and air conditioner. We also took Brandon, Philly and their family and Emilie to the Cedar River Kernels Baseball game for Caleb's 3rd Birthday and out for pizza. Philly's parents also joined us for the game.
August, 2015:
The stock market took the biggest hit this month for a number of years due to Greek debt, China's economy waning (both stock market and economy) and oil falling to $40 a barrel. The lowest our retirement accounts got to was $374800 on August 25, 2015. They recovered a bit by the 31st of the month but we probably aren't done yet with the ups and downs.
My chair in the Urbandale office bit the dust (found a bearing beneath it, plus sawdust from the third stand was on the floor) so I had to buy a new one. Fortunately, they had one on the floor (Homemakers) so I didn't have to order one which would have taken 2 months. That makes up the $748 in Credit Cards as I charged the chair to the business Wells Fargo card. We also paid off the rear door on the Lowes card but replaced it with the office chair on the Business WF card. We also had to pay $350 for the deductible on repair to the left rear of the Camry. Someone hit it in a parking lot, I think, at the Urbandale office. Total came to over $3000. Then toward the end of the month we had a leak in the R.O. unit value, so called the plumber to fix that, coming to $144. These two expenses limited our debt payments this month, as well as camping for 12 days at Hickory Grove with Emilie and the grandchildren. We took them to the State Fair and the Nevada swimming pool in one day. That day burned up another $200. After the birth of Thomas Milton "Fritz" Wall to Brandon and Philly on August 26th, we went to Cedar Rapids to see him and took two cars. Mary Sue stayed to help out a few days. Meanwhile Brandon got his own office after floating at his job for two years. He and Philly and Mary Sue went shopping for office furniture and we helped him buy a coffee table/desk for around $350.
September, 2015:
We received $700 this month in rebate for the new furnace and air conditioner we had installed. That helped on the "other debts" which is where that item is listed. We also paid $220 toward the chair (Credit Cards) and another $400 on the furnace. We camped at Eagle Cliff campground near Lanesboro, MN over Labor Day weekend and both canoed (by ourselves in celebration of our 40th anniversary, as we'd gone down the Root River the first summer we were married) and tubed (with Cindi and Craig) down the Root River. Al and Sharon joined us for supper on Sunday night. We are also camping 8 days at Sibley Park near Willmar so Mary Sue can spend some time with her mom and I worked on the Rebuilding Trust Series and also finishing up the Thriving Couples Model series. The stock market was up and down this month after taking a hit last month. The lowest our retirement got was $376807 on the 29th of the month. It went up the last day of the month, but still was down for the month as a whole. The last couple of months the stock market has been within a certain range but not making much headway in either direction, though down overall. So with our new debt and new expenses this year (Pella Door, Lazyboy chair, Air conditioner and furnace and rear fender repair on the Camry)and the flat stock market our Networth isn't going anywhere right now.
October, 2015:
The stock market was on the rise this month so that helped our portfolio rise pretty well. Mary Sue got a raise so we upped the amount we were putting into retirement from her work. We also started adding $100 a month to Mary Sue's Roth IRA. We paid $1600 on the furnace/air conditioner loan. The Credit Card went up because the payment for Theravive, an online advertiser came out automatically last month and I was only able to pay $100 on the CC. Receipts were mile for H2HC due to one week that had a slew of no shows and cancellations and I took two days to attend a workshop (Terry Real live therapy demo) in the Twin Cities. On the last day of the month (a Friday), Mary Sue started getting sick and at 2 AM on November 1, Saturday, we went to Mercy hospital where she ended up with a blocked intestine and operation. She'll be in the hospital a week and off work a month so we'll have to apply for short-term disability. Also, our real estate taxes went up so we'll be paying $100 a month more on our mortgage payment going forward. In August little Thomas Milton was born and this month we started adding $50 a month to his college fund. The college fund monies we are saving is not reflected in this net worth. The are around $12000 total now. We're saving $50 a month for each grandchild.
November, 2015:
he stock market was flat this month, though it went down and back up over 1%. The Fed had raised the rate .25-.5% for the first time in like 7 years or something, plus oil continues to be pretty low. Business was pretty good considering we nearly had a snow day and had to cancel 9 appts for one day. We ended up with 5 that day, so that was nice. In addition, my mother's funeral was December 4th, so I didn't have clients that day. December is usually a slow month with two holiday weeks, but it was the best month since August. We visited Marcella for Christmas with Emilie and Brandon and his family. She gave all the grandchildren and great grandchildren $5000, so that increased the monies we have in our grandchildren's college fund by $20,000. The net worth above does not include the grandchildren's college fund. Due to Mary Sue's operation in November, the medical bills started rolling in. Her bill reached $150,000, and we don't think we've received the operation or surgeon bill yet! However, insurance covered most of that. The "Other Debts" above is the rough estimate on her medical we've received to date. We paid over $800 in medical bills this month on that. Most of that was from Mary Sue's HSA at work, so that helped knock off the smaller medical bills. The "Credit Card" above is now the furnace and air conditioner. We only knocked off $10,000 on debt this year due to updating the kitchen sink and faucets, replacing the back door (long overdue) and the furnace and air conditioner (air conditioner went out) and a new La-Z-boy chair for the Urbandale office. Those items came to $13000, of which we have $1600 left. We also celebrated our 40th Anniversary in Michigan and camped in Sibley State Park near Willmar, both for a week, taking more vacation time and time away from work than normal. The stock market was relatively flat for the year. Most of our gains in our total Net Worth were from our own contributions to our retirement funds which totaled around $25500, the most we've ever saved in one year. Also while Mary Sue was hospitalized and in recovery she was on disability pay which is at 80% of her normal salary. Still, we are grateful our debt is now under $100,000, most of which is our house. Earlier in the year, in February, I invested $5000 in Thriving Productions, LCC with Brandon. We have not income for that company in 2015, although we continue to write and produce products we will eventually sell. For the year the DJIA was down 1.2%. We contributed over 27,000 to our retirement fund, which brought up our account 7.33%.
January, 2016:
The stock market started 2016 lower in January for a long time. It went down 8% at one time in the month and recovered a tad toward the end of the month. Our retirement portfolio went as low as $371000, but recovered to 390995 along with the roughly $2000 we added to the account. Meanwhile, we were nervous about how much Mary Sue's medical bills would be. We finally received her surgery bill and it was 100% covered by insurance. The total amount we had to pay for her surgery and operation was around $3000. The total bill was over $150,000. Wow. The Lord was good to us there! I bought two new basketballs for me and two for Alyas (boy's size for his birthday). Mary Sue bought a new battery charger for her car. I also attended a two day workshop, Level 1 in Relationship Life Therapy from Terry Real in Bloomington, so had to stay there two nights. I gave myself a $5000 raise for 2016 and I'm putting that raise into our emergency savings. We are also taking Mary Sue's IPERS retirement of $315.39 and adding it to a home repair savings account. We'd used that amount for debt reduction up until now. We still have debt, but we felt the pinch of not having enough in savings with our new air conditioner and furnace and rear door and sink we had to put in this year. Also with Mary Sue's operation and recovery it reminded us how important having savings is. My office in Ames is under new ownership. The new owner is painting my office and putting in new carpet. She also bought the storage unit by the Ames office and I bought 12 filing cabinets from Staples to store non-current files in. That was $2000 which I put on the Well's Fargo Card as they screwed up my order. I'd paid it from my business checking account initially, but because they messed up the order (delivered 9 instead of 12) I had to cancel the nine and order 12 all over again and had to use the credit card because I didn't have enough cushion in the business checking to pay for the file cabinets twice, before I was reimbursed for the wrong order. Hopefully I'll be able to pay that off in short order. I'm also going to a conference in March in Santa Fe New Mexico to renew my supervision status (ever 5 years). Mary Sue is going with me and we'll go see Marty in San Francisco before heading home.
2016
January, 2016
The stock market started 2016 lower in January for a long time. It went down 8% at one time in the month and recovered a tad toward the end of the month. Our retirement portfolio went as low as $371000, but recovered to 390995 along with the roughly $2000 we added to the account. Meanwhile, we were nervous about how much Mary Sue's medical bills would be. We finally received her surgery bill and it was 100% covered by insurance. The total amount we had to pay for her surgery and operation was around $3000. The total bill was over $150,000. Wow. The Lord was good to us there! I bought two new basketballs for me and two for Alyas (boy's size for his birthday). Mary Sue bought a new battery charger for her car. I also attended a two day workshop, Level 1 in Relationship Life Therapy from Terry Real in Bloomington, so had to stay there two nights. I gave myself a $5000 raise for 2016 and I'm putting that raise into our emergency savings. We are also taking Mary Sue's IPERS retirement of $315.39 and adding it to a home repair savings account. We'd used that amount for debt reduction up until now. We still have debt, but we felt the pinch of not having enough in savings with our new air conditioner and furnace and rear door and sink we had to put in this year. Also with Mary Sue's operation and recovery it reminded us how important having savings is. My office in Ames is under new ownership. The new owner is painting my office and putting in new carpet. She also bought the storage unit by the Ames office and I bought 12 filing cabinets from Staples to store non-current files in. That was $2000 which I put on the Well's Fargo Card as they screwed up my order. I'd paid it from my business checking account initially, but because they messed up the order (delivered 9 instead of 12) I had to cancel the nine and order 12 all over again and had to use the credit card because I didn't have enough cushion in the business checking to pay for the file cabinets twice, before I was reimbursed for the wrong order. Hopefully I'll be able to pay that off in short order. I'm also going to a conference in March in Santa Fe New Mexico to renew my supervision status (ever 5 years). Mary Sue is going with me and we'll go see Marty in San Francisco before heading home.
February 2016
Mary Sue's Uncle, Chuck Winland, died in Willmar on Friday, February 5th. He'd been slipping for a number of weeks. Marcella was able to be with him til the end. The stock market went down quite a bit the first half of the month and our retirement sunk to a low of around $371000. It recovered almost 20,000 by the end of the month. Company receipts are down around $5000 YTD compared this year to last. We had a near snow day (most everyone except one cancelled) in Feb and I missed two days in January for training with Terry Real in Bloomington, Mn. Carol was in Africa for 2 weeks and her production was modest around her trip. Also, we've had a lot of cancellations. Not reflected above, I was not able to add to company retirements this month, or pay myself millage. I also paid myself around $800 less than normal, so I'm $2500 short in bills for H2HC in February. That's the first time I can remember being so far behind at the end of the month. That's a little disheartening. In addition I discovered my Supervision class in Santa Fe wouldn't count unless I was officially a member of AAMFT. I'd let my membership lapse because of their bankrupt morals, but decided to keep the designation for the five year renewal. I had to put the $300 membership fee on a credit card, a total bummer. We've tried to stay away from Credit Cards altogether, but this last year, with our furnace and air conditioner needing replacing, a new back door for the deck and the new filing cabinets for the company, we were not able. We're trying to beef up savings to keep from having to use credit cards. . Hopefully, I'll be able to catch up next month. In January we started saving Mary Sue's IPERS monthly retirement check into a fund for house repairs. Until now we used that monies for reducing debt. We moved the furniture out of the Ames office on February 26, so we could get new carpet and paint. Mary Sue's friends, Judy and Randy, helped with the move and also Carol and David Putz. We took them out to Mandarin afterwards. Mary Sue is very excited to go to Santa Fe for my Supervision renewal class and San Francisco to see Marty. She was able to get some new clothes. I got a few new things, also. We made a shopping trip one Saturday to Nordstrom Rack and then ate at Olive Garden in Ankeny. The "Other" debt above is what's left of Mary Sue's medical bills from her operation. I thought those bills might add up to tens of thousands, but total it was only around $3000, so we're really thankful for that.
March, 2016
In March Mary Sue and I headed to Santa Fe, New Mexico so I could take the 5 hour class to update my Supervision status with AAMFT. From there we flew to San Francisco to see Marty. He took us out to dinner at Epic Steak house just to the side of the lighted-up, Bay Bridge. Very beautiful. We also visited Muir Woods and Stinson Beach. It was cold on the beach. They hadn't had rain for four years and it rained most of the time we were there! Had a great time. I had to do taxes. Brandon and his family came for Easter we got Alyas two basketballs for his birthday. Business picked up a bit, so that helped. The stock market was up for the month. This first quarter the stock market rose more this quarter than in any other quarter since 1933. At one point in mid-February our retirement was as low as $371000. It closed on March 31 at 420179. That's quite an increase.
April, 2016
The stock market was up again for the month. Savings was down due to paying $6000 in taxes (state and fed). We went to Willmar to see Marcella on a Friday and left early Sunday morning to go to Cassi's son's (Van) dedication and the afterwards we all met at Famous Dave's for dinner. With Cassi's in-laws and Emilie, Brandon and Philly and family we had 22 there. It was a very nice time. Then Emilie Brando and Philly and family and Cindi and Craig and us went to see Dad. He was sleeping and isn't saying or eating much. He smiled as our jokes and held his name-sake great grandson Thomas Milton, but he was pretty frail. He's lost 15 pounds. It was sad to see. Mary Sue and I were sick the whole month with the flu and still aren't 100% well. Mary Sue went on her new medication that helps with her disease but knocks her immune system down, so that's a worry. With the flu neither of us have had much energy. Marty talked us into getting a DVR so we can record the Warrior games in the playoffs and that's been fun. Steph Curry injured his knee so that's a bummer. The Twins started the year with a 9 game losing streak. Thankfully we've had some rain and the weather is warming up!
May, 2016
Dad, Fritz Wall, had been struggling with a motivation to live for the last month. He wasn't eating or drinking and didn't want to get up. He quit talking. We saw him two weeks before. He smiled when he saw us but I don't even know if he knew who we were. On Saturday, May 22nd, he fell. His kidneys were failing. Mary Sue and I had been camping a few days with Randy and Judy Covey at a campground they live over in Cedar Falls called Big Woods Lake Recreation Area. On our way home, at 11:45 AM, Sunday, May 23rd, Cindi called us with the news that Dad had passed. The rest of the month we planned the funeral for Friday, June 3rd. On Monday, May 24th, I had 6 clients scheduled and was a mess. At the end of the day several no showed and the rest cancelled. I ended up on the phone and texting the whole day regarding Dad's funeral. That was a gift from the Lord to not have any clients that day. The rest of the month was difficult to work.
While the stock market was up for the month slightly, over the last year it is pretty flat. Our total went up because we kept adding to our retirement fund. Our "Other Debts" was up a bit because of Mary Sue's medical bills. The Credit Card balance is what we owe for the new file cabinets in the new storage unit. We should knock those bills off in a few months.
We had planned to go directly from Cedar Falls to Hickory Grove, near Colo, to camp, but with Dad's failing health decided to just go home. We're still planning to camp with Emilie, and Brandon and Philly and family over the 4th at Adventureland. Over Memorial Weekend we went shopping with Emilie and bought a new sewing machine that Mary Sue can use when camping. That'll be nice for her.
June, 2016
Fritz' funeral was Friday, June 3rd. We stayed in a motel (Comfort Suites) two nights with most of Fritz' clan plus Judy and her husband Jim, except for Chip who stayed with his wife's mother with Daniel in Byron. The next day (Saturday) we spent several hours at East Park on East Center St. in Rochester trying out the new line between two trees, playing basketball and eating John Hardee's Bar-B-Que (awesome as per normal). Cindi said all three of us kids would each receive around $47,000 from dad's estate and it should be settled in a few weeks as we had the real estate stuff settled long ago and dad just had a few bills. Mary Sue's uncle, Chuck's, estate should be settled soon also so both of those should help our Net-worth.
July, 2016
My inheritance from my dad came through this month. It was just over $49000. Cindi, Chip and I decided to give some to Camp Victory in mom and dad's name for camp scholarships. I decided on $2000. Chip and I agreed to give Cindi $2500 each for her help with mom and dad these last three years with them in the nursing home. That leaves just over $44000 which was transferred over to our Edward Jones account (Cindi and Chip received the same amount). That amount is reflected above. The income from the bonds goes into a savings account so I put that under "Annuities" to differentiate it from our regular savings. And we spent over $200 on new sandals (2 pair for MS) and shoes (for me) at Jax in Ames. Then we had the July birthdays, giving Marty a gift certificate for his dishes and Brandon a new ice maker. We're counting the camping sewing machine as Mary Sue's BD present, which we bought in June. The DJIA was up around 4% for the month so that helped our retirement funds go up as well. We also took a short motorcycle tour of SE Iowa along both sides of the Mississippi and attended our third professional baseball game watching the Burlington Bee's play. Earlier this month we went to an I-Cubs game with Brandon and Philly and their family and Emilie and went to see the Minnesota Twins with Marcella, Gene, Emilie and us. All the driving, etc, took a hit on our cash flow, however.
August, 2016
The stock market was flat this month and any gain was due to our contributions. Mary Sue received $3000 from her uncle Chuck's estate for helping with his move, so that improved our cash. We are saving it for now. Cindi, Craig, Mary Sue and I took our two oldest grandchildren to Camp Victory for Grandparents Camp. We stayed at the KOA Camp in Rochester. Mary Sue and I also went to the State Fair, but I was sick and so we didn't stay very long. That was a bust. Business went well. I had my best month to date in terms of income earned, almost $20,000. This month we stayed home most evenings watching the Olympics. We also stayed overnight in a Clarion Motel (old and musty) in Cedar Rapids so Brandon and I could work on our Sexuality series in his basement. Mary Sue and Philly took the kids to Ames in the AM while Brandon and I worked. Then we headed home, had Great Plains Pizza and celebrated Thomas' first birthday.
September, 2016
We were invited to a small group bible study sponsored by our church (Christ Community Church) by Brad and Jan Larson, whom we’ve known most of the time we’ve been in Ames. It is on Sunday nights. The people (6 couples) have been together for ten years or more (most around our age), so we are a little unaware of things, but both Mary Sue and I had wanted to get to know people at church more than we had in the past. Hopefully, this will give us a vehicle to do that.
Mary Sue and I went camping in Lanesboro (Eagle Cliff),MN, with Cindi and Craig. We were all so tired from a crazy summer we ended up mostly relaxing. Mary Sue sewed 2 pillow cases and I read Job all the way through sitting in front of a fire on Thursday, when we were there alone. With Cindi and Craig we went to Niagara Cave, visited Amish Furniture and Antique stores in Harmony and ate out a cool little diner in Peterson, MN. We picked up our pantry for the trailer (cost $400 plus $80 to install) prior to our camping trip to Crosslake, Minnesota. We went there for our fall camping trip (last year we camped at Sibley State Park near Willmar) because Paul wanted to finalize Ruth and Chuck's estate and ended up hosting a Messenger reunion for Marcella and her sibs. We received $90,000 from the estate. She also received $10k in jewelry which I entered under "Other Assets" above. Earlier we'd set up a US Bank checking account so we'd have a bank to deposit it in in Northern Minnesota as we didn't want to hold onto such a big check until we got back home. Great Western Bank where we have our normal checking account didn't have a bank up here, but US Bank had banks in both Ames, Urbandale and Brainerd, MN. With the inheritance proceeds we are going to pay off our mortgage, give $500 to each child and $250 to each grandchild's college fund, tithe 10% and save the rest for a bigger emergency fund. Then we'll pay off the medical debt (other debt above) and Lincoln quickly with our extra monies in the next months as well as save. We camped at Crosslake Campground in Crosslake, MN for 7 days. We paid for 8 as our plans changed, but the 8 days cost only $104 with our Senior Pass as it was a US Army Corp of Engineers campground. Mary Sue spent some money on material for her quilting and bought a couple of outfits and a magnet for our camper sign in the Jayco. We drove around Lake Mille Lacs and went to Trout Lake Camp and to Gene Messenger's camp with Emilie when Guy and Gene were there. Paul hosted a Messenger reunion at his cabin. We went out to dinner with Paul in Crosslake twice while there. The stock market also rose moderately this month, so that helped.
October, 2016
Wouldn't you know it, as soon as we got the house paid off my computer (laptop) died! I had to get another one. While at Apple we got Mary Sue an iPad as her computer was practically worthless. The credit card above reflects those purchases. I also nearly lost all the writing I'd done at Crosslake, but I gave my crashed MacBook Air to Al Day and he was able to save the data! Whew! This month we went to Community Apple Orchard with Judy and Randy, our camping friends, via the Dragoon Trail (I drove). The leaves were beautiful along the Des Moines River. The next weekend Emilie came down and we took the motorcycles through Ledges State Park and had lunch at the Whistle Stop Cafe in Boone. Such a pretty ride. Emilie had gotten her motorcycle license so she was excited to go for a ride. Mary Sue and I also started attending a bible study with Brad and Jan Larson from church. The others are all around our age and have been together for years, so we're the newcomers. It'll take a bit to get acclimated. The stock market took a hit, probably because of the uncertainty surrounding the national election (Clinton vs Trump) which is coming up soon. Prior to paying off the house we'd not been giving as we should. This month we started giving to church $150 every time we go to church. That is still not 10% but so much higher than what we were giving before. We also sent $2000 to Camp Victory from my dad's inheritance. It'd been in our checking account all summer and we ended up using it as our cushion so it took until the house was paid off to get enough in our checking to send that money on. Mary Sue and I went over our savings and budget at Panera Bread one Saturday (the savings above also reflects $3000 in H2HC accounts but not any monies in TPI). We're going to try and save more and have more monies not tied up in retirement accounts. Afterwards we installed two more bike hooks in the garage. We had the Jayco winterized. I switch from M, T, Thur to Urbandale to M, T, Wed, so I could study and go to Cedar Rapids to record with Brandon on Thursdays and then I'd take clients Thursday afternoon. We decided the previous month after trying to tape on a Saturday with Mary Sue and Philly bringing the kids to Ames. We were all exhausted and realized we couldn't do this going forward. So Brandon looked for an executive office complex and found one downtown Cedar Rapids that will work perfectly. He's taking Thursdays to work on TPI. I went over there one Thursday to check it out as he has it set up now. He's doing a great job and having our own space for a studio should help us get going faster. Jeff announced he and Lindsay are moving to Colorado in November. He looked for work when it was evident to him he wasn't going to be getting a raise or his company was going to expand in Atlanta. He nearly doubles his salary in the move and will be right across the street from the Bronco's stadium. Philly's dad had an operation because he fell and is partly paralyzed. He's not doing well.
November, 2016
The first Saturday of the month, after putting the clothes away in the bedroom, we went to US Bank and paid off Mary Sue's iPad (just over $1000). We'd put it on a US Bank Card which we had to get to get free checking. We opened that account in order to have a bank to deposit Chuck and Ruth's check when we were up at Crosslake at Paul's. We paid off both Mary Sue's iPad and my MacBook Air I had to buy when my old one crashed. We paid both off in a month, $2500 total. The $1131 on other debts is what's left of Mary Sue's medical bills. We hope to pay that off soon and also the Lincoln so we can start some serious savings, which we've had a hard time doing during the debt snow ball. Mary Sue felt dizzy and her heart was racing at work one day (November 8) and I took her to Mercy Hospital in Des Moines. Fortunately she was alright. She thinks it might have been a reaction to her putting her finger down her throat to remove a pill that got stuck under her tongue. We'll have that bill next month, but hopefully can pay it off using our HSA account. I no sooner had both these computers paid off and our hot water heater went out and we had to replace it: $1300! The last one only lasted 8 years and this one lasted only eight years. What's the deal? At least this time we were able to pay cash for it. In 2008 we had to put it on a credit card, which inspired us to get out of debt. Our finances since 2008 are considerably improved! The first week of the month, the stock market was steadily down, due to the uncertainty from the election. After the Trump won the market rose pretty quickly. The second Saturday of the month we drove to Clear Lake to meet Emilie with some empty boxes because she was moving. She gave me some presents for my 65th BD (meat thermometer, RV Christmas decoration and a Cat Stevens CD. Before that we had breakfast with Gary and Marilyn Reedy, EFC Missionaries to Internationals and he leads the bible study we are in. On Sunday after church we shampooed the carpet in the living room as it was pretty bad. The third Saturday Mary Sue went to Des Moines to the Container Store and a craft show with Judy Covey while I stayed home and watched ISU Basketball and football and straightened out the basement. The fourth weekend (Thanksgiving) we went to Willmar and Cassi's Marty flew to Mpls so we were able to see him. Emilie moved to a new house. Jeff and Lindsay moved to Colorado. Brandon and I started thinking about going into therapy business together in Des Moines.
December, 2016
Yeah! We finished paying off our Debt Snow Ball on December 31, 2016! I was able to pay myself a $7500 bonus in December and we used that to pay the last on our Lincoln and our Mercy Hospital bill. That is sooooo NICE. Lots of work. Total debt paid off was $348,798! The stock market was up this month after Trump's election. The bond market was down a tad due to rising interest rates. We had to fix the brakes in the Camry, which was over $700. We had Christmas gifts to buy and a trip to Willmar. Brandon and Philly and family stopped at our place on the way to Omaha for Christmas. We picked up Emilie at her new house over by Portland Ave and took her with us to Willmar. Paul, Lynn and Grant joined us at Marcella's. She gave us $500, which we are saving. I started receiving my BGC retirement monthly as I turned 65 in November and we're having it direct deposited into our Edward Jones account and then they purchase shares in the Income Fund of America. We'll save that going forward. It is listed under Stocks above. This December was my best December in accounts receivable at H2HC. The company earned over $16000 for the first time in December. We also began tithing Mary Sue's inheritance from Ruth and Chuck and gave $3000 to our church, and $1500 each to Camp Victory and Life 107.1. Out of that same monies we gave each of the kids $500 and the grand kid's college fund $250 for Christmas all from Chuck and Ruth's inheritance.
January, 2017
The stock market has been on the way up due to Trump's election until the last two days of the month. Our retirement funds are up $39000 since the first of November. The first weekend of the month Cindi and Craig came down and we took them out for Cindi's birthday at Aunt Maudes. We paid for that. We also had lunch with them at the Country House in Colo and went with them to the antique store in Story City where we spent a $175 on metal Tonka truck, a baby Ben alarm clock and a few other things. At the end of the month we went to Cedar Rapids two days (stayed in a motel) for me to tape with Brandon in our studio there and Mary Sue watched the two youngest grandchildren at their home during the day. We went out for pizza on Friday and watched Alyas' basketball game while I ran the scoreboard. Marty went snowboarding in Lake Tahoe a couple of times and Jeff had the opening of his new restaurant in Denver called Hearth and Dram. Mary Sue was tested regarding her infection and her Humana prescription and everything is fine, but she's going to try a few meds prior to Humana because its been making her sick. The weather has been very warm for January with many days in the 30's and 40's, probably our warmest winter in Iowa.
February, 2017
The stock market continued it's climb due to positive outlooks from pro-business perceptions of Trump. We'll see how long that continues. We are getting ready for camping and made some purchases as we usually do this time of year. We bought a new mattress and paid a quarter down (from Homemakers made by Omaha Mattress) which was around $250. I got a 3-burner Camp Chef stove (Expedition 3X) that came with a 24 inch griddle. Accessories we added included: a pizza oven, extra propane tank (5 pound), 13.25 inch Lodge cast iron skillet, 8 ounce condiment bottles, heat guard gloves, pizza cutter, 2 spatulas, scraper, diner cookbook, melting lid, stove cover, and carrying case for the stove and oven and griddle. Also, we bought a camping bunk bed so we can have another grandchild in the camper with us. We probably spent $1000 for all of that. Adding the stove, griddle and pizza oven really ups the number of things we can fix for food when camping. We practiced using the griddle: French fries, paddy melts, Ruebens, Stir Fry and breakfast quesadilla's. Lot's of fun.
One weekend in February we went to Cedar Rapids to see Alyas play his last basketball game, to see Emilie who was visiting Brandon and to celebrate Philly's Birthday. Another Saturday we went to Homemakers to buy a mattress for the Jayco. Another weekend we went to Ankeny to buy the 3-Burner Stove and accessories for camping this summer in Colorado and Ledges with the family. We didn't do much for savings this month as a result.
March, 2017
The stock market went up and down for the month, but ended on a high note. We visited Marty in San Francisco. He took us to a Warrior game VS Sacramento Kings. The Warriors won. Great fun. We also drove to Napa Valley, which is very pretty. Had burgers at Gott's in Napa. We also went to the San Francisco Museum of Modern Art and Ghirardeli Chocolate. We both took $300 in cash with us, but we'd paid the tickets earlier this winter. We also paid $300 for Alyas to sign up for Georges Niang's basketball camp this summer. Bought Kid-O-Bunk for camper - $250.
April, 2017
The Trump Stock Market rally continues. That helps. We went to Willmar to see Marcella with Emilie for Easter and also went to Marion to visit record for Thriving Productions. We bought a sewing machine for Emilie for her birthday ($600). I also drove to Cedar Rapids for an IAMFT Ethics and CEU on the brain. We also helped Brandon and Phlly move to their new house in Marion (it is very nice) on April 1. We stayed in a Motel that weekend. Dr Killion wanted me to have my kidney checked and had an ultra sound. Dr. Alexander, the kidney Dr. said I had a kidney disease that was only treatable by losing weight. I'd tried to lose weight since November, quitting most pop in November. I quite most diet drinks in March and started vegetables and fruit and cutting down in April. Marty also sent me two soda makers so I'm mixing my own drinking with Welch's Grape Juice so I don't crave pop so much. Since Nov. I've lost 18 pounds. We had a $4163 tax bill for 2016, so that hit. Had a reasonable April at H2HC, the fourth highest in the last 9 years. Not bad considering I missed a day of work for a CEU Bowen conference and 2 days for taping with Brandon at his home.
The big news this month’s is on Friday, May 12th Brandon called me that the owners of his office in Iowa City were threatening to sue him if he didn't take down his Internet advertising immediately. His supervisor, Phil, one of the owners kind of hedged and didn't really go to bat for Brandon, so he felt he had to get out in order to maintain his income. He asked if we could start an office in Cedar Rapids. Initially he wanted to be part owner, but after a couple of days he decided to be an employee for a couple of years to concentrate on Thriving Productions. This was also a very spendy month. We got a new mattress for the RV ($794), faucets in the RV bathroom and roof repair ($774) a chair for the loft from Homemakers ($503), Rockies Tickets for July ($250), yard work, especially flowers ($230), Seiko 5 automatic watch for me, camping at Hickory Hills Park in La Porte, Iowa ($400?) and transferred $13250 from Dad's bonds to business checking (which I now include in "cash" above) in order to get Brandon started in Cedar Rapids. I hadn't included business cash in this net worth before, but going forward we should have cash balances in the business accounts worth keeping tabs of. I took a little over $13000 out of my dad's inheritance to invest in start-up costs for Brandon's new office in Cedar Rapids. I'll use that money to help with Brandon's salary until he's up and running. I'll us a US Bank credit card for the furniture and furnishings. I have the cash to cover these expenses but I don't want to blow through my father's inheritance and if on a card I hopefully can pay it off quickly. The Trump Stock Market rally continues.
Summary: Bing and Mary Sue’s Net Worth:
Month Assets Liabilities Net Worth Comments
Dec 16 $851,141 $0 $851,141 0 View
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Nov 16 $851,936 $7,525 $844,411 0 View
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Oct 16 $837,770 $9,525 $828,245 0 View
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Sep 16 $843,280 $7,454 $835,826 0 View
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Aug 16 $815,468 $84,804 $730,664 0 View
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Jul 16 $810,793 $86,498 $724,295 0 View
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Jun 16 $747,000 $88,498 $658,502 0 View
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May 16 $740,529 $90,385 $650,144 0 View
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Apr 16 $735,414 $91,132 $644,282 0 View
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Mar 16 $731,197 $93,032 $638,165 0 View
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Feb 16 $701,249 $96,992 $604,257 0 View
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Jan 16 $701,995 $98,971 $603,024 0 View
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Dec 15 $720,584 $99,021 $621,563 0 View
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Nov 15 $723,830 $98,930 $624,900 0 View
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Oct 15 $731,806 $100,750 $631,056 0 View
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Sep 15 $707,176 $103,518 $603,658 0 View
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Aug 15 $715,059 $106,321 $608,738 0 View
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Jul 15 $736,851 $107,694 $629,157 0 View
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Jun 15 $731,533 $109,670 $621,863 0 View
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May 15 $736,541 $106,548 $629,993 0 View
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Apr 15 $710,823 $108,007 $602,816 0 View
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Mar 15 $711,537 $106,857 $604,680 0 View
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Feb 15 $716,258 $107,819 $608,439 0 View
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Jan 15 $694,525 $108,549 $585,976 0 View
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Dec 14 $688,031 $109,901 $578,130 0 View
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Nov 14 $694,095 $110,493 $583,602 0 View
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Oct 14 $686,630 $111,693 $574,937 0 View
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Sep 14 $678,030 $114,017 $564,013 0 View
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Aug 14 $686,012 $115,717 $570,295 0 View
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Jul 14 $673,635 $117,330 $556,305 0 View
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Jun 14 $681,075 $118,630 $562,445 0 View
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May 14 $676,753 $120,330 $556,423 0 View
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Apr 14 $661,641 $122,630 $539,011 0 View
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Mar 14 $683,859 $138,495 $545,364 0 View
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Feb 14 $640,175 $139,863 $500,312 0 View
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Jan 14 $622,947 $142,080 $480,867 0 View
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Dec 13 $623,142 $143,961 $479,181 0 View
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Nov 13 $614,611 $144,961 $469,650 0 View
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Oct 13 $604,994 $146,961 $458,033 0 View
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Sep 13 $588,623 $148,676 $439,947 0 View
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Aug 13 $573,616 $150,676 $422,940 0 View
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Jul 13 $579,028 $152,676 $426,352 0 View
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Jun 13 $565,672 $154,376 $411,296 0 View
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May 13 $570,566 $156,076 $414,490 0 View
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Apr 13 $569,372 $158,576 $410,796 0 View
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Mar 13 $554,220 $160,276 $393,944 0 View
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Feb 13 $543,403 $161,544 $381,859 0 View
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Jan 13 $541,694 $162,944 $378,750 0 View
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Dec 12 $530,478 $164,323 $366,155 0 View
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Nov 12 $527,063 $165,748 $361,315 0 View
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Oct 12 $526,188 $170,548 $355,640 0 View
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Sep 12 $523,940 $174,181 $349,759 0 View
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Aug 12 $518,403 $177,895 $340,508 0 View
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Jul 12 $518,403 $178,056 $340,347 0 View
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Jun 12 $511,375 $179,273 $332,102 0 View
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May 12 $487,762 $173,124 $314,638 0 View
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Apr 12 $502,690 $174,541 $328,149 0 View
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Mar 12 $501,897 $175,084 $326,813 0 View
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Feb 12 $497,381 $178,385 $318,996 0 View
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Jan 12 $486,961 $179,264 $307,697 0 View
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Dec 11 $475,778 $180,457 $295,321 0 View
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Aug 11 $476,310 $185,266 $291,044 0 View
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Jul 11 $489,586 $187,588 $301,998 0 View
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Jun 11 $492,105 $188,678 $303,427 0 View
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May 11 $489,790 $189,476 $300,314 0 View
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Apr 11 $499,951 $190,697 $309,254 0 View
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Mar 11 $486,464 $194,043 $292,421 0 View
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Feb 11 $482,838 $199,683 $283,155 0 View
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Jan 11 $479,596 $206,269 $273,327 0 View
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Dec 10 $478,717 $206,443 $272,274 1 View
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Nov 10 $464,981 $207,269 $257,712 0 View
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Oct 10 $466,208 $213,946 $252,262 0 View
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Sep 10 $460,990 $217,319 $243,671 0 View
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Aug 10 $437,862 $220,673 $217,189 0 View
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Jul 10 $443,745 $221,617 $222,128 0 View
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Jun 10 $439,309 $228,463 $210,846 0 View
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May 10 $444,861 $231,298 $213,563 0 View
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Apr 10 $460,933 $238,063 $222,870 0 View
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Mar 10 $467,045 $241,053 $225,992 0 View
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Feb 10 $448,066 $244,814 $203,252 0 View
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Jan 10 $443,858 $249,415 $194,443 0 View
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Dec 09 $449,586 $253,909 $195,677 0 View
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Nov 09 $443,605 $256,008 $187,597 0 View
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Oct 09 $429,037 $258,056 $170,981 0 View
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Sep 09 $439,642 $261,753 $177,889 0 View
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Aug 09 $429,242 $265,138 $164,104 0 View
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Jul 09 $417,900 $268,316 $149,584 0 View
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Jun 09 $408,173 $271,961 $136,212 0 View
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May 09 $407,805 $276,290 $131,515 1 View
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Jan 09 $401,096 $300,700 $100,396 0 View
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Jan 08 $439,438 $311,996 $127,442 0 View
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Jan 07 $433,641 $330,790 $102,851 0 View
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Jan 06 $380,702 $348,794 $31,908 0 View
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Jan 05 $352,525 $349,384 $3,141 0 View
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Jan 04 $307,974 $322,271 ($14,297) 0 View
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Jan 03 $286,462 $313,112 ($26,650) 0 View
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