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The big news this week, at least for those of us with a geeky bent, is the series finale of Battlestar Galactica. It was an excellent series, not just in the science fiction genre, but as a broader drama, touching upon and exploring some of the deeper issues facing our society. It's a rare series that can be so emotional enveloping, but this series succeeded. The fact that it had semi-regular spaceship fights and some cute robot girls was just an added bonus.
Just two things that bothered me: first, the ending. I'm not going to spoil it for you, but cripes was that a convoluted way to wrap things up. To say nothing about raising more questions than it actually answered...
Second, apparently there's going to be a two hour 'event' in the fall, looking at some of the events from the series from the perspective of the Cylons (the race of evil robots, if you've never caught either the original series or this current remake). While this is a good thing (I'm not going to complain about more Galactica), it does make me think: is it really a season finale if they're already planning more stories (even if just as a two-hour movie)? These are the questions that haunt my mind (which tells you quite a lot about said mind).
On that geeky note, onto the finances:
Savings
PNC (Checking Account) $ 1329 +$1144
Susquehanna (CD) $ 2542 +$0
ING Direct (Checking) $ 55 -$50
ING Direct (Savings) $ 1338 -$1668
ING Direct (Orange CD) $ 1016 +$0
HSBC Direct (Savings) $ 23 +$0
Smarty Pig (Savings) $ 948 +$248
Vanguard (Money Market) $ 901 -$400
Total Savings $ 8152 -$726
Investments
Vanguard (Roth IRA) $ 6654 +$1128
- Small Cap Index (NAESX) $ 3326 +$167
- High Dividend Yield (VHDYX) $ 2796 +$429
- Foreign Total Market (VGTSX) $ 532 +$532
Share builder (ETFs) $ 2771 +$61
- Total US Market (TMW) $ 905 +$10
- Extended Market (VXF) $ 756 +$11
- Total Foreign (VEU) $ 550 +$24
- Small Cap Value (VBR) $ 256 +$7
- Emerging Markets (VWO) $ 304 +$9
Total Investments $ 9425 +$1189
Total Assets $ 17,577 +$463
Debts
MasterCard (JCPenney) ($ 28 ) +$107
American Express ($ 652) +$1260
Student Loans ($ 11,874) -$8
Total Debts ($ 12,554) +$1359
Net Worth $ 5023 +$1822
Not bad, I'd say. A combination of getting my tax refund deposited (over $1300) and some investment gains allowed me to get some substantial increases in my net worth. I paid off my credit cards; a neutral issue as far as net worth, but it was nice to eliminate the debt.
I am in the process of opening a Foreign market fund with Vanguard for my retirement account; on April 2nd, the Susquehanna CD will be cashed out and transferred into my VGTSX fund (which is why I was able to open that Vanguard fund without meeting the $3000 minimum, in case anyone was curious).
All in all, pretty solid week.
Showing posts with label Weekly update. Show all posts
Showing posts with label Weekly update. Show all posts
Saturday, March 21, 2009
Saturday, March 14, 2009
Weekly Update: 3-14-2009
I feel stuck between two different worlds this week. On one hand, there's four-day rally in the stock market. There are almost as many different perspectives on what exactly this upturn means as there are commentators on TV, in the newspapers and online, which is to say thousands all told. I personally don't claim to have anywhere near the amount of knowledge and experience to predict what this means, if anything; I'm simply going to hope for the best and continue to invest my money as regularly, calmly, and automatically as possible.
Now, onto the other world...I am working part-time as an organic chemistry tutor at my old university. There is a test this coming Tuesday, the second of the year. For many of the students, this test could very well determine the course of their future; many of them are trying to get into the Pharmacy school, and if their grades are not good enough, they won't have a chance. Add in the drop course policies, and this is literally the last chance some of them will have to make it into the Pharmacy school.
Why do I bring this up? Simple; for these students, the broader economy is last thing on their mind. By the time they graduate from Pharmacy school in 2013 (if they make it in, of course), this week's financial news might be remembered as a temporary deviation in a horrible market, or as the first coffin nail for the Recession of 2008. And that's assuming it's remembered at all.
Much more importantly, this is yet another reminder of the importance of a long-term perspective. What happens from week to week isn't nearly as important as where you end up. The struggles the students face from one test or even one course are nothing compared to their final degrees. And by the same token, we as investors have to focus on our goals, and not the ups and downs the market throws at us.
Which is why, even though I track my portfolio's progress every week, I do it for my own information and knowledge. Slow and steady wins the race, and makes Roger a wealthy man...
Savings
PNC (Checking Account) $ 185 +$85
Susquehanna (CD) $ 2542 +$0
ING Direct (Checking) $ 105 -$550
ING Direct (Savings) $ 3006 +$0
ING Direct (Orange CD) $ 1016 +$0
HSBC Direct (Savings) $ 23 +$0
Smarty Pig (Savings) $ 700 +$0
Vanguard (Money Market) $ 1301 +$0
Total Savings $ 8878 -$465
Investments
Vanguard (Roth IRA) $ 5526 +$636
- Small Cap Index (NAESX) $ 3159 +$359
- High Dividend Yield (VHDYX) $ 2367 +$277
Share builder (ETFs) $ 2710 +$555
- Total US Market (TMW) $ 895 +$241
- Extended Market (VXF) $ 745 +$99
- Total Foreign (VEU) $ 526 +$101
- Small Cap Value (VBR) $ 249 +$59
- Emerging Markets (VWO) $ 295 +$55
Total Investments $ 8236 +$1191
Total Assets $ 17,114 +$726
Debts
MasterCard (JCPenney) ($ 135) -$28
American Express ($ 1912) -$115
Student Loans ($ 11,866) +$63
Total Debts ($ 13,913) -$80
Net Worth $ 3201 +$646
A rather good week, investment-wise. I will admit to a mild bit of disappointment; if I was still making the same level of investments I was making while I was working, I'd be in an even better position to take advantage of this rebound (if it is in fact a rebound and not a fluke) and make money on the uptick.
But, other than that, things are looking good; investments are doing fine, my Sharebuilder purchases went through alright (three hundred dollars of the increase there is added investment capital), and my spending was kept under control (especially for a weekend I went to visit my girlfriend). All in all, an excellent week.
Now, onto the other world...I am working part-time as an organic chemistry tutor at my old university. There is a test this coming Tuesday, the second of the year. For many of the students, this test could very well determine the course of their future; many of them are trying to get into the Pharmacy school, and if their grades are not good enough, they won't have a chance. Add in the drop course policies, and this is literally the last chance some of them will have to make it into the Pharmacy school.
Why do I bring this up? Simple; for these students, the broader economy is last thing on their mind. By the time they graduate from Pharmacy school in 2013 (if they make it in, of course), this week's financial news might be remembered as a temporary deviation in a horrible market, or as the first coffin nail for the Recession of 2008. And that's assuming it's remembered at all.
Much more importantly, this is yet another reminder of the importance of a long-term perspective. What happens from week to week isn't nearly as important as where you end up. The struggles the students face from one test or even one course are nothing compared to their final degrees. And by the same token, we as investors have to focus on our goals, and not the ups and downs the market throws at us.
Which is why, even though I track my portfolio's progress every week, I do it for my own information and knowledge. Slow and steady wins the race, and makes Roger a wealthy man...
Savings
PNC (Checking Account) $ 185 +$85
Susquehanna (CD) $ 2542 +$0
ING Direct (Checking) $ 105 -$550
ING Direct (Savings) $ 3006 +$0
ING Direct (Orange CD) $ 1016 +$0
HSBC Direct (Savings) $ 23 +$0
Smarty Pig (Savings) $ 700 +$0
Vanguard (Money Market) $ 1301 +$0
Total Savings $ 8878 -$465
Investments
Vanguard (Roth IRA) $ 5526 +$636
- Small Cap Index (NAESX) $ 3159 +$359
- High Dividend Yield (VHDYX) $ 2367 +$277
Share builder (ETFs) $ 2710 +$555
- Total US Market (TMW) $ 895 +$241
- Extended Market (VXF) $ 745 +$99
- Total Foreign (VEU) $ 526 +$101
- Small Cap Value (VBR) $ 249 +$59
- Emerging Markets (VWO) $ 295 +$55
Total Investments $ 8236 +$1191
Total Assets $ 17,114 +$726
Debts
MasterCard (JCPenney) ($ 135) -$28
American Express ($ 1912) -$115
Student Loans ($ 11,866) +$63
Total Debts ($ 13,913) -$80
Net Worth $ 3201 +$646
A rather good week, investment-wise. I will admit to a mild bit of disappointment; if I was still making the same level of investments I was making while I was working, I'd be in an even better position to take advantage of this rebound (if it is in fact a rebound and not a fluke) and make money on the uptick.
But, other than that, things are looking good; investments are doing fine, my Sharebuilder purchases went through alright (three hundred dollars of the increase there is added investment capital), and my spending was kept under control (especially for a weekend I went to visit my girlfriend). All in all, an excellent week.
Saturday, March 7, 2009
Weekly Update: 3-7-2009
Well, I have returned from four days spend wining and dining my dear sweet girlfriend Sondra. Actually, the week was pretty slow; other than cleaning up her attic so that she could set up a bedroom/apartment, we were just calm and relaxed. Moving all the necessary furniture and other accouterments up to the third floor was quite an ordeal, but worthwhile to have a place of our own.
Our big fun this trip was going out to see the Watchmen movie. It was very, very good. I've read the graphic novel, and the movie followed the (admittedly complex) storyline rather well. My girlfriend had not read the graphic novel, and she enjoyed it as well. I recommend the movie highly to anyone interested in a smart, deep, action movie.
One caveat though: do not, I repeat, DO NOT take children (or squeamish/prudish friends) to this movie. Although it is a 'comic book movie', it's rather violent (sometimes realistically so) and sexually-charged at times, and the underlying themes and concepts are extremely deep. The best option in my mind is to read the graphic novel first (it's an excellent read) and see if it is appropriate for your family.
Now, to see how my finances are doing after going to visit my girlfriend and spending nearly a week with her:
Savings
PNC (Checking Account) $ 100 -$138
Susquehanna (CD) $ 2542 +$0
ING Direct (Checking) $ 655 +$616
ING Direct (Savings) $ 3006 +$1601
ING Direct (Orange CD) $ 1016 +$4
HSBC Direct (Savings) $ 23 +$1
Smarty Pig (Savings) $ 700 -$1739
Vanguard (Money Market) $ 1301 +$301
Total Savings $ 9343 +$646
Investments
Vanguard (Roth IRA) $ 4890 -$505
- Small Cap Index (NAESX) $ 2800 -$308
- High Dividend Yield (VHDYX) $ 2090 2287 -$197
Share builder (ETFs) $ 2155 -$179
- Total US Market (TMW) $ 654 -$51
- Extended Market (VXF) $ 646 -$66
- Total Foreign (VEU) $ 425 -$27
- Small Cap Value (VBR) $ 190 -$25
- Emerging Markets (VWO) $ 240 -$10
Total Investments $ 7045 -$684
Total Assets $ 16,388 -$38
Credit Cards
MasterCard (JCPenney) ($ 107) -$0
American Express ($ 1797) -$152
Student Loans ($ 11,929) +$0
Total Debts ($ 13,833) -$152
Net Worth $ 2555 -$190
Not a bad week, overall, but not too good, either. Another small hit to my net worth. Another reason to control my spending and bring it under my incoming funds.
Our big fun this trip was going out to see the Watchmen movie. It was very, very good. I've read the graphic novel, and the movie followed the (admittedly complex) storyline rather well. My girlfriend had not read the graphic novel, and she enjoyed it as well. I recommend the movie highly to anyone interested in a smart, deep, action movie.
One caveat though: do not, I repeat, DO NOT take children (or squeamish/prudish friends) to this movie. Although it is a 'comic book movie', it's rather violent (sometimes realistically so) and sexually-charged at times, and the underlying themes and concepts are extremely deep. The best option in my mind is to read the graphic novel first (it's an excellent read) and see if it is appropriate for your family.
Now, to see how my finances are doing after going to visit my girlfriend and spending nearly a week with her:
Savings
PNC (Checking Account) $ 100 -$138
Susquehanna (CD) $ 2542 +$0
ING Direct (Checking) $ 655 +$616
ING Direct (Savings) $ 3006 +$1601
ING Direct (Orange CD) $ 1016 +$4
HSBC Direct (Savings) $ 23 +$1
Smarty Pig (Savings) $ 700 -$1739
Vanguard (Money Market) $ 1301 +$301
Total Savings $ 9343 +$646
Investments
Vanguard (Roth IRA) $ 4890 -$505
- Small Cap Index (NAESX) $ 2800 -$308
- High Dividend Yield (VHDYX) $ 2090 2287 -$197
Share builder (ETFs) $ 2155 -$179
- Total US Market (TMW) $ 654 -$51
- Extended Market (VXF) $ 646 -$66
- Total Foreign (VEU) $ 425 -$27
- Small Cap Value (VBR) $ 190 -$25
- Emerging Markets (VWO) $ 240 -$10
Total Investments $ 7045 -$684
Total Assets $ 16,388 -$38
Credit Cards
MasterCard (JCPenney) ($ 107) -$0
American Express ($ 1797) -$152
Student Loans ($ 11,929) +$0
Total Debts ($ 13,833) -$152
Net Worth $ 2555 -$190
Not a bad week, overall, but not too good, either. Another small hit to my net worth. Another reason to control my spending and bring it under my incoming funds.
Saturday, February 28, 2009
Weekly Update: 2-28-2009
This week has been pretty horrible, money-wise. As I mentioned on Wednesday, I had to spend nearly $1000 on my car to keep it running. As a result, my financial situation is lower now than it was last week, and it was not great then.
The account rundown, as always:
Savings
PNC (Checking Account) $ 238 -$566
Susquehanna (CD) $ 2542 +$0
ING Direct (Checking) $ 39 -$100
ING Direct (Savings) $ 1405 +$405
ING Direct (Orange CD) $ 1012 +$0
HSBC Direct (Savings) $ 22 -$200
Smarty Pig (Savings) $ 2439 +$100
Vanguard (Money Market) $ 1000 -$0
Total Savings $ 8697 -$361
Investments
Vanguard (Roth IRA) $ 5395 -$238
- Small Cap Index (NAESX) $ 3108 -$151
- High Dividend Yield (VHDYX) $ 2287 -$87
Share builder (ETFs) $ 2334 -$74
- Total US Market (TMW) $ 705 -$30
- Extended Market (VXF) $ 712 -$27
- Total Foreign (VEU) $ 452 464 -$12
- Small Cap Value (VBR) $ 215 -$10
- Emerging Markets (VWO) $ 250 +$5
Total Investments $ 7729 -$312
Total Assets $ 16,426 -$673
Credit Cards
MasterCard (JCPenney) ($ 107) -$0
American Express ($ 1645) -$1146
Student Loans ($ 11,929) +$0
Total Debts ($ 13,681) -$1146
Net Worth $ 2745 -$1818
I'm actually pleasantly surprised by my expenses this week. After you subtract the aforementioned car expenses, the investment losses, and my insurance premiums, my out of pocket spending (for things like gas and food) was only $145. I do need to get myself a budget to manage such 'incidentals', but I'm happy about my self-control and restraint this week. Hopefully, next week will be a bit kinder to my wallet, and I'll have happier news to report.
The account rundown, as always:
Savings
PNC (Checking Account) $ 238 -$566
Susquehanna (CD) $ 2542 +$0
ING Direct (Checking) $ 39 -$100
ING Direct (Savings) $ 1405 +$405
ING Direct (Orange CD) $ 1012 +$0
HSBC Direct (Savings) $ 22 -$200
Smarty Pig (Savings) $ 2439 +$100
Vanguard (Money Market) $ 1000 -$0
Total Savings $ 8697 -$361
Investments
Vanguard (Roth IRA) $ 5395 -$238
- Small Cap Index (NAESX) $ 3108 -$151
- High Dividend Yield (VHDYX) $ 2287 -$87
Share builder (ETFs) $ 2334 -$74
- Total US Market (TMW) $ 705 -$30
- Extended Market (VXF) $ 712 -$27
- Total Foreign (VEU) $ 452 464 -$12
- Small Cap Value (VBR) $ 215 -$10
- Emerging Markets (VWO) $ 250 +$5
Total Investments $ 7729 -$312
Total Assets $ 16,426 -$673
Credit Cards
MasterCard (JCPenney) ($ 107) -$0
American Express ($ 1645) -$1146
Student Loans ($ 11,929) +$0
Total Debts ($ 13,681) -$1146
Net Worth $ 2745 -$1818
I'm actually pleasantly surprised by my expenses this week. After you subtract the aforementioned car expenses, the investment losses, and my insurance premiums, my out of pocket spending (for things like gas and food) was only $145. I do need to get myself a budget to manage such 'incidentals', but I'm happy about my self-control and restraint this week. Hopefully, next week will be a bit kinder to my wallet, and I'll have happier news to report.
Saturday, February 21, 2009
Weekly Update: 2-21-2009
Another week has come and gone. A week with another impressive drop in stock prices. And here I am, unable to put more money into the market. One of my biggest regrets about being unemployed currently is not being able to put more money into my investments. If that's not a sign of high risk tolerance (or at least, the understanding that I have four decades or so before retiring), I don't know what is. And to the financial statements we go:
Savings
PNC (Checking Account) $ 804 +$750
Susquehanna (CD) $ 2542 +$0
ING Direct (Checking) $ 139 -$148
ING Direct (Savings) $ 1000 +$0
ING Direct (Orange CD) $ 1012 +$0
HSBC Direct (Savings) $ 222 +$0
Smarty Pig (Savings) $ 2339 +$148
Vanguard (Money Market) $ 1000 -$0
Total Savings $ 9058 +$750
Investments
Vanguard (Roth IRA) $ 5632 -$526
- Small Cap Index (NAESX) $ 3259 -$299
- High Dividend Yield (VHDYX) $ 2374 -$226
Share builder (ETFs) $ 2408 -$201
- Total US Market (TMW) $ 735 -$54
- Extended Market (VXF) $ 739 -$62
- Total Foreign (VEU) $ 464 -$36
- Small Cap Value (VBR) $ 225 -$22
- Emerging Markets (VWO) $ 245 -$27
Total Investments $ 8040 -$727
Total Assets $ 17,098 +$23
Credit Cards
MasterCard (JCPenney) ($ 107) -$107
American Express ($ 499) -$266
Student Loans ($ 11,929) +$0
Total Debts ($ 12,535) -$373
Net Worth $ 4563 -$350
After a Valentine's weekend spent with my girlfriend and a lackluster week for investors, my finances have taken a bit of a hit. Nothing too huge, but still a decline. Luckily, with my paycheck and unemployment arriving this week, I do have money on hand. Plus, I'm feeling good about my job prospects. so hopefully I'll soon have good news on that front *crosses fingers*
Savings
PNC (Checking Account) $ 804 +$750
Susquehanna (CD) $ 2542 +$0
ING Direct (Checking) $ 139 -$148
ING Direct (Savings) $ 1000 +$0
ING Direct (Orange CD) $ 1012 +$0
HSBC Direct (Savings) $ 222 +$0
Smarty Pig (Savings) $ 2339 +$148
Vanguard (Money Market) $ 1000 -$0
Total Savings $ 9058 +$750
Investments
Vanguard (Roth IRA) $ 5632 -$526
- Small Cap Index (NAESX) $ 3259 -$299
- High Dividend Yield (VHDYX) $ 2374 -$226
Share builder (ETFs) $ 2408 -$201
- Total US Market (TMW) $ 735 -$54
- Extended Market (VXF) $ 739 -$62
- Total Foreign (VEU) $ 464 -$36
- Small Cap Value (VBR) $ 225 -$22
- Emerging Markets (VWO) $ 245 -$27
Total Investments $ 8040 -$727
Total Assets $ 17,098 +$23
Credit Cards
MasterCard (JCPenney) ($ 107) -$107
American Express ($ 499) -$266
Student Loans ($ 11,929) +$0
Total Debts ($ 12,535) -$373
Net Worth $ 4563 -$350
After a Valentine's weekend spent with my girlfriend and a lackluster week for investors, my finances have taken a bit of a hit. Nothing too huge, but still a decline. Luckily, with my paycheck and unemployment arriving this week, I do have money on hand. Plus, I'm feeling good about my job prospects. so hopefully I'll soon have good news on that front *crosses fingers*
Saturday, February 14, 2009
Weekly Report 2-14-2009
Wow, I'm up to the tenth post for my blog already. Ten posts in eight days; if I keep this pace up, I'll be over 400 posts by the end of the year. I'm starting to get into a pattern, as well; as long as I continue to focus and regularly update the blog, I can definitely keep right on rolling with this.
Onto my financial updates:
Savings
PNC (Checking Account) $ 54 +$20
Susquehanna (CD) $ 2542 +$0
ING Direct (Checking) $ 287 -$1352
ING Direct (Savings) $ 1000 +$0
ING Direct (Orange CD) $ 1012 +$0
HSBC Direct (Savings) $ 222 +$0
Smarty Pig (Savings) $ 2191 +$0
Vanguard (Money Market) $ 1000 -$100
Total Savings $ 8308 -$1432
Investments
Vanguard (Roth IRA) $ 6158 -$229
- Small Cap Index (NAESX) $ 3558 -$183
- High Dividend Yield (VHDYX) $ 2600 -$46
Share builder (ETFs) $ 2609 +$74
- Total US Market (TMW) $ 789 +$25
- Extended Market (VXF) $ 801 +$12
- Total Foreign (VEU) $ 500 +$18
- Small Cap Value (VBR) $ 247 +$9
- Emerging Markets (VWO) $ 272 +$10
Total Investments $ 8767 -$155
Total Assets $ 17,075 -$1587
Credit Cards
MasterCard (JCPenney) $ 0 +$0
American Express ($ 233) +$908
Student Loans ($ 11,929) +$0
Total Debts ($ 12,162) +$908
Net Worth $ 4913 -$679
A loss of net worth, overall. The withdraw from my ING checking to pay off my American Express was a wash, as far as net worth, but the automatic investment into Sharebuilder was enough to more than make up for the bad investment week. Although, since I transferred in $200 and only showed a gain of $74, it was still pretty bad.
But, the unemployment check will arrive next week, and I should be getting my first check from my part-time job, all of which should put me in the black next week (even if we have another lackluster week for investments).
Onto my financial updates:
Savings
PNC (Checking Account) $ 54 +$20
Susquehanna (CD) $ 2542 +$0
ING Direct (Checking) $ 287 -$1352
ING Direct (Savings) $ 1000 +$0
ING Direct (Orange CD) $ 1012 +$0
HSBC Direct (Savings) $ 222 +$0
Smarty Pig (Savings) $ 2191 +$0
Vanguard (Money Market) $ 1000 -$100
Total Savings $ 8308 -$1432
Investments
Vanguard (Roth IRA) $ 6158 -$229
- Small Cap Index (NAESX) $ 3558 -$183
- High Dividend Yield (VHDYX) $ 2600 -$46
Share builder (ETFs) $ 2609 +$74
- Total US Market (TMW) $ 789 +$25
- Extended Market (VXF) $ 801 +$12
- Total Foreign (VEU) $ 500 +$18
- Small Cap Value (VBR) $ 247 +$9
- Emerging Markets (VWO) $ 272 +$10
Total Investments $ 8767 -$155
Total Assets $ 17,075 -$1587
Credit Cards
MasterCard (JCPenney) $ 0 +$0
American Express ($ 233) +$908
Student Loans ($ 11,929) +$0
Total Debts ($ 12,162) +$908
Net Worth $ 4913 -$679
A loss of net worth, overall. The withdraw from my ING checking to pay off my American Express was a wash, as far as net worth, but the automatic investment into Sharebuilder was enough to more than make up for the bad investment week. Although, since I transferred in $200 and only showed a gain of $74, it was still pretty bad.
But, the unemployment check will arrive next week, and I should be getting my first check from my part-time job, all of which should put me in the black next week (even if we have another lackluster week for investments).
Saturday, February 7, 2009
Weekly Update 2-7-2009
In order to keep track of my expenses, I’m going to start doing a weekly summary of my finances; this way, I can get a better handle on my money situation. Plus, I like to plot out numbers!
Savings
PNC (Checking Account) $ 34
Susquehanna (CD) $ 2542
ING Direct (Checking) $ 1639
ING Direct (Savings) $ 1000
ING Direct (Orange CD) $ 1012
HSBC Direct (Savings) $ 222
Smarty Pig (Savings) $ 2191
Vanguard (Money Market) $ 1100
Total Savings $ 9740
Investments
Vanguard (Roth IRA) $ 6387
- Small Cap Index (NAESX) $ 3741
- High Dividend Yield (VHDYX) $ 2646
Share builder (ETFs) $ 2535
- Total US Market (TMW) $ 764
- Extended Market (VXF) $ 789
- Total Foreign (VEU) $ 482
- Small Cap Value (VBR) $ 238
- Emerging Markets (VWO) $ 262
Total Investments $ 8922
Total Assets $ 18,662
Credit Cards
MasterCard (JCPenney) $ 0
American Express ($ 1141)
Student Loans ($ 11,929)
Total Debts ($ 13,070)
Net Worth $ 5592
I’m in somewhat better shape than I had thought; although, given how much of my current net worth is tied up in investments, especially for retirement, it could be tougher to make ends meet in the near future. At least I have a better idea of my current financial situation; that’s the first step to adjusting my spending to get myself into a better place monetarily.
P.S. Sorry the formatting is a bit off; I can't figure out how to get blogger to allow me to insert more than one space between items.
Savings
PNC (Checking Account) $ 34
Susquehanna (CD) $ 2542
ING Direct (Checking) $ 1639
ING Direct (Savings) $ 1000
ING Direct (Orange CD) $ 1012
HSBC Direct (Savings) $ 222
Smarty Pig (Savings) $ 2191
Vanguard (Money Market) $ 1100
Total Savings $ 9740
Investments
Vanguard (Roth IRA) $ 6387
- Small Cap Index (NAESX) $ 3741
- High Dividend Yield (VHDYX) $ 2646
Share builder (ETFs) $ 2535
- Total US Market (TMW) $ 764
- Extended Market (VXF) $ 789
- Total Foreign (VEU) $ 482
- Small Cap Value (VBR) $ 238
- Emerging Markets (VWO) $ 262
Total Investments $ 8922
Total Assets $ 18,662
Credit Cards
MasterCard (JCPenney) $ 0
American Express ($ 1141)
Student Loans ($ 11,929)
Total Debts ($ 13,070)
Net Worth $ 5592
I’m in somewhat better shape than I had thought; although, given how much of my current net worth is tied up in investments, especially for retirement, it could be tougher to make ends meet in the near future. At least I have a better idea of my current financial situation; that’s the first step to adjusting my spending to get myself into a better place monetarily.
P.S. Sorry the formatting is a bit off; I can't figure out how to get blogger to allow me to insert more than one space between items.
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