Pages

Thursday, January 15, 2015

January 2015 update ($ 272,888 -$15,702 or - 5%)



Accumulated $4,000 USD as part of my annual saving goal for January
Invested additional 7,080 in the Company share plan and got the at 25% discount worth of $8,665
Received  $48 for Vanguard Emerging markets ETF and $179 for S&P500, which is roughly 1.5% each after taxes.
Vanguard S&P500 ETF gained $1,690
Vanguard emerging markets ETF gained $354
Grand total additions: US$ 14,936

EUR lost $10,050 towards USD. Year to year EUR lost 17%
GBP lost $2,293 towards USD. Year to year EUR lost 11%
Gazprom shares lost $11,330
Company shares lost $265
Rosneft shares lost $3,720
Gold lost $2,980
Grand total losses: US$ 30,638

Saturday, January 10, 2015

2015 Financial Independence Goals



Financial:
- Accumulate at least $48,000 (This is  $40,000 in 2010 money)  or $4,000 a month for investments during 2015, beginning  2016.
- Portfolio should be able to generate   $9,000 a year after taxes in the money of the day  (In 2014 it was $7,500). Stretched target – $10,000.
- Think about additional source of income.  My blog start bringing some measurable income but want to beef up with some streams.

Blog:
- Regular monthly updates
- To cover 6 themes on financial independence.
- Publish easy tracker for the long term portfolio performance.
I have no intentions to move towards an entertaining blog with 2-3 weekly posts.   I will endeavor my best efforts to stay on personal subject of financial independence and family budget.  

Educational:
-  Create list of books to read  & read them- 12 books is minimum.
-  Publish the books reviews.

Family Budget:
- Stay under $100,000 with the family expenses
- Accumulate $7,000 towards durable goods replacement over 10 years.

Be happy.  Run 1,000 miles during the year.

Monday, January 5, 2015

Financial Independence Annual Goals Achievements – 2014 ($288,608 - $9,792 or -3.7%)



Financial:
- Accumulate at least $47,000 (This is $40,000 in 2010 money)  or $4,000 a month for investments during 2014, beginning  2015  - Achieved.  Accumulated $48,000.
- Portfolio to be at $370,000 by end of the year – Not Achieved.  Actually end of the year results a lower than at the beginning of the year, in spite of investing $55,000.
Year
2008
2010
2011
2012
2013
2014
Money of the day
153,400
119,800
165,600
226,800
298,400
288,608
Inflation %

2
3.5
3
4
4
Cumulative inflation

1.02
1.06
1.09
1.13
1.175
2010 money
153,400
117,451
156,967
209,032
265,244
245,623
- Think about additional source of income.  My blog start bringing some measurable income but want to beef up with some streams - This is not achieved yet.

Blog:
- Regular monthly updates – Achieved.
- To cover 6 themes on financial independence – Achieved.
- Create easy tracker for the long term portfolio performance – Almost there. Need to make presentable.
I have no intentions to move towards an entertaining blog with 2-3 weekly posts.   I will endeavor my best efforts to stay on personal subject of financial independence and family budget. 

Educational:
-  Create list of books to read & read them- 12 books is minimum – Partially achieved. Lust created and first 6 books bought.
-  Publish the books reviews – Started.  To be continued.

Family Budget:
- Stay under $84,000 with the family expenses – Was way out of balance. Overspent by $27,000
- Accumulate $7,000 towards durable goods replacement over 10 years – Achieved.

Be happy.  Run 1,000 miles during the year – Ran only half of it.