tag:blogger.com,1999:blog-31062794104050065092024-03-07T23:54:50.561-08:00Penny And Nickel to WealthA single 20-somethings take on personal finances, life in law school, and the two dogs (Penny & Nickel) that overrun her lifePenny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.comBlogger25125tag:blogger.com,1999:blog-3106279410405006509.post-17064815924140246702011-01-13T00:48:00.000-08:002011-01-13T00:48:34.230-08:00Northern California 5K Dog RunsSo, if you don't know already, I am on a bit of a health kick that includes a personal trainer (an awesomely fantastic one I might add). One of my goals is to run a 5K, and I will try to run a few this year. There are a ton of 5K's that I would like to run locally, but very few allow dogs on the track (so sad!). I realized that tracking down the runs that allow dogs is time consuming, and it would be nice to have all in one spot.<br />
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In the right hand column I have included a new section. I have dedicated a portion of my blog to finding and reporting the dog runs in Northern California (mostly the bay area and the central valley). So stop by if you feel like running or walking, since most include a 2K walk alternative. After all, a run just isn't the same without your four-legged running buddy.Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-22648756078718133462011-01-10T20:47:00.000-08:002011-01-10T21:14:56.738-08:00UpdateI know that I haven't posted about myself in a long time. So here it goes...this is what has happened in the last year or so:<br /><br />1. Updates on the dogs<br />Both Penny and Nickel are excellent. They have gotten over their destructive streak and have stopped chewing on the furniture (but my socks are still fair game). It has been really cold at night, and I was worried to leave them outside since my classes get out so late, so they have been staying inside. I am happy to report they have been perfect angels....we shall see how long that lasts.<br /><br />2. I became unemployed<br />This summer, lay offs hit my office. Instead of being afraid, I embraced the change. I would be able to spend more time with my family, spend more time training my dogs, work on my house, and most importantly spend more time on my school work. Do you think any of this happened? Of course not...but I try. And for those who are wondering, I can afford my mortgage and utilities on unemployment with a little to spare and my savings is what is keeping my happily afloat.<br /><br />3. I fell off the saving wagon<br />Of all the times this could happen this is probably the worst time! All the frugality became a little overwhelming I guess. I still use coupons, but I'm not an uber-shopper the way I used to be. I don't follow the blogs anymore. I know that this needs to change. My grocery and food bills are terrible. This is something I need to work on.<br /><br />4. I gained 20 pounds<br />I could blame this on unemployment, but this started happening before I was laid off. Honestly, I think it happened because I was so unhappy. I couldn't see the light at the end of the tunnel and felt torn between who I was at that moment and who I was working to become.<br /><br />5. I became a vegetarian<br />I am not going to go into all the reasons I made the change. If you want more information you can watch the movie <a href="http://www.foodincmovie.com/">Food,Inc</a>. or read <a href="http://www.eatinganimals.com/">Eating Animals</a>. This does make it harder to shop and eat out, but I am still managing to spend a lot of money on both.<br /><br />6. I am still in law school<br />Nothing much has changed here, but this summer will be the first without any classes. Next year I will have a reduced class load too.<br /><br />Plans for this year:<br /><br />1. I will loose 25 pounds<br />With the help of a personal trainer I will attempt the impossible! Okay, so I know its not impossible. Heck! I've done it before. I just know that this time will be much more difficult.<br /><br />2. I will run a 5K with the dogs<br />There are at least 4 of these in my area over the next year. I plan on running them all. I will probably take Nickel with me (he's my cattle dog mix with loads of energy) but I feel bad for leaving Penny out. She's my beagle that seems to love laying on the couch more than anything else. I will try to do a little training with her and see how she takes it I guess.<br /><br />3. I will save more money<br />I know my weakness is grocery shopping and eating out. I don't make lists or plan meals...even though I know I should since my weight loss will benefit from that as well. Coupons can be better used if I planned better too. I did buy a freezer, a very large ticket purchase made in the spur of the moment, but I hope that this will help me make food and save it for later.<br /><br />4. Do I need a job?<br />I mean, I am looking. But most law firms are not looking to hire a paralegal in law school, especially a year and a half away from the bar. But...when summer comes, I will be bored out of my mind. I have the option of interning, working for free essentially. I guess I will decide on this a little later.Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-76887137938454274932010-08-16T17:54:00.000-07:002010-08-17T00:52:58.028-07:00How to Save on Law School Textbooks:<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 12"><meta name="Originator" content="Microsoft Word 12"><link rel="File-List" href="file:///C:%5CUsers%5CMichelle%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml"><link rel="themeData" href="file:///C:%5CUsers%5CMichelle%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx"><link rel="colorSchemeMapping" href="file:///C:%5CUsers%5CMichelle%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> 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mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin-top:0in; mso-para-margin-right:0in; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0in; mso-pagination:widow-orphan; font-size:11.0pt; mso-bidi-font-size:10.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} </style> <![endif]--> <p class="MsoNormal"><b><span style=";font-family:";font-size:18pt;color:black;" ></span></b><span style=";font-family:";font-size:18pt;color:black;" >First, Buy Used:</span><span style=";font-family:";font-size:12pt;" >
<br />
<br /><span style="color:black;">There are several sites you can used to buy textbooks at a discount. My favorite is </span><a href="http://www.amazon.com/"><span style="color:black;">Amazon</span></a><span style="color:black;">. Some guidelines for a successful purchase:</span><o:p></o:p></span></p> <ul type="disc"><li class="MsoNormal" style="color:black;"><b><span style=";font-family:";font-size:12pt;" >Buy near or in your state to receive the item faster.</span></b><span style=";font-family:";font-size:12pt;" > The used book listings are provided by individual sellers, and shipped directly from them. Sellers are required to ship your book within 2 business days of the purchase. Additionally, most sellers will ship by Media Mail, since law school books usually weight upwards of 3 lbs. Media Mail is a slow service, but you can receive your book faster if you buy from a seller in or near your state (provided they are at a price you like). <o:p></o:p></span></li><li class="MsoNormal" style="color:black;"><b><span style=";font-family:";font-size:12pt;" >Look at the sellers rating before you buy.</span></b><span style=";font-family:";font-size:12pt;" > A seller with a slight negative rating may not be a bad seller. You should check the individual bad ratings to see if the seller made it a point to respond to the bad remark. Occasionally, a buyer leaves a review for the book itself and not for the seller. <o:p></o:p></span></li><li class="MsoNormal" style="color:black;"><b><span style=";font-family:";font-size:12pt;" >Factor in shipping to the price you pay.</span></b><span style=";font-family:";font-size:12pt;" > If you want an item quickly and wish to pay for the expedited shipping it can cost you.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;"><b><span style=";font-family:";font-size:12pt;" >Remember to give the seller feedback</span></b><span style=";font-family:";font-size:12pt;" >. Especially good feedback. Feedback on Amazon is not like other sites. Very few buyers actually take the time to provide the feedback, and it is that feedback which creates the rating you based your purchases on. Providing accurate feedback, both good and bad, can signal to other buyers which sellers are worth buying from.<o:p></o:p></span></li></ul> <p class="MsoNormal" style="margin-bottom: 0.0001pt;"><span style=";font-family:";font-size:12pt;" >
<br /><span style="color:black;">There are a few other sites I use when I find the price is too high on Amazon:</span>
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<br /><!--[endif]--><o:p></o:p></span></p> <ul type="disc"><li class="MsoNormal" style=""><span style=";font-family:";font-size:12pt;" ><a href="http://www.textbooks.com/"><span style="color:blue;">Textbooks.com</span></a>: Occassionally, the price you find on the used books here is lower. As a plus, they ship by UPS for free, which means you usually get your book quickly. <o:p></o:p></span></li><li class="MsoNormal" style=""><span style=";font-family:";font-size:12pt;" ><a href="http://www.barnesandnoble.com/"><span style="color:blue;">BarnesandNoble</span></a>: Rarely, you can find the best price at Barnes and Noble online. <o:p></o:p></span></li><li class="MsoNormal" style=""><span style=";font-family:";font-size:12pt;" ><a href="http://www.half.com/"><span style="color:blue;">Half.com</span></a> or <a href="http://www.ebay.com/"><span style="color:blue;">eBay</span></a>: I have never had much luck with buying from eBay or Half.com. The few books I've bought on Half.com took longer than promised to arrive, arrive in a condition that is less than what was advertised, and I never find what I need on eBay. Still, the same guidelines apply: Check the ratings, buy close to you to get your books faster, and factor in shipping (which on eBay can be way overpriced).<o:p></o:p></span></li></ul> <p class="MsoNormal" style="margin-bottom: 0.0001pt;"><span style=";font-family:";font-size:12pt;color:black;" >There are a few sites out there claiming to compare the prices from sites on the internet, including Amazon and eBay, but I have found their pricing to be unreliable, so I just keep my favorites bookmarked and check with them first.</span><span style=";font-family:";font-size:12pt;" >
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<br /><b><span style="color:black;">Oh, and remember to check </span></b><a href="http://www.retailmenot.com/"><b><span style="color:black;">RetailMeNot </span></b></a><b><span style="color:black;">to see if there are any online coupon codes out there to sweeten the deals! </span></b>
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<br />Next, Sell your used books:</span><span style=";font-family:";font-size:12pt;" >
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<br /><span style="color:black;">Once you are done with the law school class you bought that book for (and make sure you have a passing grade!) you no longer need that book. There are a quite a few sites that will buy your book back or allow you to sell your book on their site. Personally, I have never sold my book back to any company I have purchased from. I find their buyback prices are about half of what I can get if I am just willing to do a little work. I have tried to put together as much as I know from the one sites I do sell my textbooks on: Amazon.</span>
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<br /></span><span style=";font-family:";font-size:13.5pt;color:black;" >Amazon:</span><span style=";font-family:";font-size:12pt;" ><o:p></o:p></span></p> <ul type="disc"><li class="MsoNormal" style="color:black;"><b><span style=";font-family:";font-size:12pt;" >Fees</span></b><span style=";font-family:";font-size:12pt;" >: (only applies to books) 15% of the selling price. $1.35 Closing fee. $0.99 fixed closing fee (if you have a merchant account the last fee is waived). For example: You want to sell a textbook for $100.00 on Amazon, the fees will be: $17.34 ($15.00 + $1.35 + $0.99), and you will be paid $3.99 for shipping expenses. Your total profit will be: $86.65. <o:p></o:p></span></li><li class="MsoNormal" style="color:black;"><b><span style=";font-family:";font-size:12pt;" >Shipping</span></b><span style=";font-family:";font-size:12pt;" >: You can not adjust the shipping amount the buyer pays so make sure the book listed will have enough profit to pay this expense. You can find padded envelopes at Walmart, Walgreen's, OfficeMax...anywhere you buy packing supplies. Also, Media Mail can cost anywhere from $3-$6 depending on the weight of the book. If you are just starting out, you may want to walk your book into the post office to make sure the postage is right. More confident sellers can use <a href="https://www.paypal.com/us/cgi-bin/webscr?cmd=_ship-now"><span style="color:blue;">PayPal </span></a>to create shipping labels, making your trip to the post office a simple drop off. <o:p></o:p></span></li><li class="MsoNormal" style="color:black;"><b><span style=";font-family:";font-size:12pt;" >Listing</span></b><span style=";font-family:";font-size:12pt;" >: Amazon's listing is pretty simple. Look up the book, and click "Sell Yours Here" on the right hand side. <o:p></o:p></span></li><li class="MsoNormal" style="color:black;"><b><span style=";font-family:";font-size:12pt;" >Condition and Description</span></b><span style=";font-family:";font-size:12pt;" >: If you are unsure on the condition, use Amazon's <a href="http://www.amazon.com/gp/help/customer/display.html?nodeId=1161242"><span style="color:blue;">condition guidelines</span></a>. If in doubt, go for the lesser rating, so your buyer will be pleasantly surprised at the condition of the book, rather than disappointed. Also, your description is very important. You want to include the condition of the cover and binding, if there is any highlighting or writing in the margins, and also how much of the book you think is highlighted. If you bought the book new and only used it for one semester, include that fact. If its highlighted in only one color, make sure to note that. Include as much information as possible, your buyers will be grateful.<o:p></o:p></span></li><li class="MsoNormal" style="color:black;"><b><span style=";font-family:";font-size:12pt;" >Price and Shipping Method</span></b><span style=";font-family:";font-size:12pt;" >: This is pretty straight forward. Enter the price you want (before fees). Standard shipping is automatic. If you want to allow expedited shipping you can elect that, just know that you may have to pay a lot to ship a big textbook quickly. <o:p></o:p></span></li><li class="MsoNormal" style="color:black;"><b><span style=";font-family:";font-size:12pt;" >Continue</span></b><span style=";font-family:";font-size:12pt;" >: The last page before you confirm your listing. This will show you what your profit will be if your item sells. Remember....you pay nothing unless your item sells. <o:p></o:p></span></li><li class="MsoNormal" style="color:black;"><b><span style=";font-family:";font-size:12pt;" >Notification Settings</span></b><span style=";font-family:";font-size:12pt;" >: You can adjust your notification settings on you Seller Account Page so that once your item sells you will be notified by email. This will save you from having to check back everyday to see if you sold anything. <i>Keep in mind you have 2 business days to ship your book once its sold. </i><o:p></o:p></span></li></ul> <p class="MsoNormal" style="margin-bottom: 12pt;"><span style=";font-family:";font-size:12pt;" >
<br /><span style="color:black;">Too much work for you? That's fine, I know it seems like a lot if you are not used to it. There are a lot of sites out there that will buy back your used textbook:</span><o:p></o:p></span></p> <ul type="disc"><li class="MsoNormal" style="color:black;"><span style=";font-family:";font-size:12pt;" ><a href="http://www.amazon.com/Textbooks-Trade-In/b?ie=UTF8&node=2205237011"><span style="color:blue;">Amazon BuyBack</span></a><o:p></o:p></span></li><li class="MsoNormal" style="color:black;"><span style=";font-family:";font-size:12pt;" ><a href="http://www.textbooks.com/sell-textbooks.php?CSID=DW2BMJKJAU33SDK2KK2KUOKS"><span style="color:blue;">Textbooks.com</span></a><o:p></o:p></span></li><li class="MsoNormal" style="color:black;"><span style=";font-family:";font-size:12pt;" ><a href="http://www.textbooksrus.com/"><span style="color:blue;">TextbooksRUs</span></a><o:p></o:p></span></li><li class="MsoNormal" style="color:black;"><span style=";font-family:";font-size:12pt;" ><a href="http://buyback.collegebooksdirect.com/default.jsp"><span style="color:blue;">CollegeBooksDirect</span></a><o:p></o:p></span></li></ul> <p class="MsoNormal" style=""><span style=";font-family:";font-size:12pt;" >
<br /><span style="color:black;">And...if you want to find out which buyback service is going to give you the best price, you can use this buyback comparison site: </span><a href="http://bookscouter.com/"><span style="color:black;">BookScouter</span></a></span></p> <span style=";font-family:";font-size:18pt;color:black;" > <!--[endif]--></span>Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com1tag:blogger.com,1999:blog-3106279410405006509.post-88452300366343127642010-07-28T13:00:00.000-07:002010-07-28T13:24:50.772-07:00The HAPPY Act may bring tax credits for our four-legged friends<object height="385" width="640"><param name="movie" value="http://www.youtube.com/v/v_uiSuy7TR8&color1=0xb1b1b1&color2=0xd0d0d0&hl=en_US&feature=player_embedded&fs=1"><param name="allowFullScreen" value="true"><param name="allowScriptAccess" value="always"><embed src="http://www.youtube.com/v/v_uiSuy7TR8&color1=0xb1b1b1&color2=0xd0d0d0&hl=en_US&feature=player_embedded&fs=1" type="application/x-shockwave-flash" allowfullscreen="true" allowscriptaccess="always" height="385" width="640"></embed></object><br /><br /><br />Missy Woodward interviews US Rep. Thaddeus McCotter, R-MI, who has introduced the HAPPY Act to provide a $3500 tax credit for pet and veterinary care. HR 3501, or the Humanity and Pets Partnered Through the Years (HAPPY) Act, would amend the Internal Revenue Code to allow individuals a deduction of up to $3500 a year for qualified pet care expenses. Qualified expenses would be amounts paid in connection with providing care (including veterinary care) for a qualified pet other than any expense in connection with the acquisition of the qualified pet. The pet must be a legally owned, domesticated, live animal. Animals used in research or business would not qualify for the deduction. The HAPPY Act may be welcome news to cat owners. The ASPCA estimates yearly expenses for one cat at nearly $700, and if the cat is a senior, has any health problems, or suffers an injury, the cost could be much higher. Individuals involved in animal rescue could benefit greatly by these allowable expense deductions as medical care is very costly and this could aid in the rescue of more animals from our nation’s overcrowded shelters. Individuals concerned about adopting animals during these difficult economic times could then move forward and save a life due to this tax break on qualified pet care. A win-win for humans and animals. The bill is currently with the House Ways and Means Committee. To further support this bill, please write your Congressman and urge them to co-sponsor / support the bill.<br /><br /><span style="font-weight: bold;">I've added a tracker to the side bar of my blog which updates on the status of the bill. You can also find out the exact details of the bill by following the link...its a very quick read and not confusing. The bill has been around for a while now, I'm just hoping that this actually passes instead of getting passed over and seen as unimportant. The only help we can offer is to contact our Representatives...so here are a few links for you:<br /></span> <em><span style="font-weight: bold;"><br /><br />Senator Dianne Feinstein</span></em><span style="font-style: italic; font-weight: bold;"> </span><span style="font-weight: bold;">(Democrat • California • 4th Term • Sworn In 1992) </span><div id="name"> </div>Official website: <a href="http://feinstein.senate.gov/" target="_new">http://feinstein.senate.gov/</a><br /> <div class="address"> <strong>Address:</strong><br /> 331 Hart Senate Office Building<br /> Washington, DC 20510<br /> </div> <div class="phone"> <strong>Phone:</strong> 202-224-3841<br /> <strong>Fax:</strong> 202-228-3954 </div><em><br /><span style="font-weight: bold;">Senator Barbara Boxer</span></em><span style="font-weight: bold;"> </span><span style="font-weight: bold;font-size:85%;" >(Democrat • California • 8th Term • Sworn In 1983) </span><div id="name"> Official website: <a href="http://boxer.senate.gov" target="_new">http://boxer.senate.gov</a><br /> <div class="address"> <span style="font-size:85%;"><strong>Address:</strong></span><br /> 112 Hart Senate Office Building<br /> Washington, DC 20510<br /> </div> <div class="phone"> <strong>Phone:</strong> 202-224-3553<br /> <strong>Fax:</strong> 202-224-0454<br /><br /></div>You can find other Representatives by following this <a href="http://www.opencongress.org/people/representatives">link</a>.<br /></div>Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-59292805887138834802009-12-26T22:08:00.000-08:002009-12-26T22:08:00.264-08:00New Years ResolutionsI know that a lot of people feel New Years Resolutions are crap...no one ever fulfills them, but how many people post them on the internet for the whole world to see? (Don't answer that). But I do have quite a few things I want to accomplish this year, and this is the perfect place to write them all down, and maybe remind myself of the direction I want to go this year.<br />
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<span style="font-weight: bold;">I want a positive Net Worth</span> (I don't want my current positive net worth to sink into a negative)<br />
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I think I will be able to easily accomplish this, but I will also need to change my lifestyle even more now. I have been receiving GI Bill payments for going to college, but those are coming to an end in February. It is a significant amount of money that I will no longer be receiving. Also, I will not be accepting my total payout on Unsubsidized Grad Loans, meaning another $4,000 I will not be taking (but also, I will not need to pay out). Also, I will be paying for my summer classes out of pocket. Lastly, I am expecting quite a few medical bills (Dental work and possible Lasik surgery), but I am hoping starting a flexible spending account to offset the cost and spread out the payments. I actually expect my net worth to drop this year, but I am hoping with some sound investment, I will make it out okay.<br />
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<span style="font-weight: bold;">I want to learn one song on the piano and one song on the guitar</span><br />
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This is a personal goal of mine. I have a piano in my living room that's not getting any love. I have two guitars, one of which was a gift from last year, that has never been tuned. I miss my music. I need to make time in my life for this.<br />
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<span style="font-weight: bold;">I want to walk my dogs every morning, and spend time training them every night</span><br />
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This is for their health and well being as well as mine. I know this will make them happier dogs, and it will help with my next goal.<br />
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<span style="font-weight: bold;">I want to loose 20 lbs</span><br />
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Everyone seems to think I don't need to loose any weight (I'm a size 8, btw) and they are kinda right. I don't <span style="font-style: italic;">need </span>to loose this weight, I want to. And maybe, once I loose 10 lbs I will like what I see and stop there. To do this, I plan on eating healthier, making my own lunches and dinners as often as possible (this will help save money too!). As far as a plan for eating, I am considering becoming a vegetarian for health reasons. I don't know that it would help, or just give me too many restrictions causing a melt down on my part, so right now its just a consideration.<br />
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<span style="font-weight: bold;">I will clean up my home office and spare bedroom</span><br />
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I moved in one year ago and these rooms are still a mess. I would love to have my office all cleaned up and organized. The same goes for the spare bedroom. In order to accomplish both of these, I will need to buy some organizational items, such as shelves or bookcases. This will be a cost that I don't really want to incur, so for the next few months I will be searching the garage sales for some great deals.<br />
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<span style="font-weight: bold;">I want to be a better law school student</span><br />
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Okay, so this isn't something with an easy fix. I actually don't really know how to be a better student. I've been checking out <a href="http://www.calnewport.com/blog/">StudyHacks</a>, and <a href="http://www.fourhourworkweek.com/blog/">Tim Ferriss'</a> blog (author of <a href="http://www.amazon.com/gp/product/0307465357?ie=UTF8&tag=inmyowwo0b-20&linkCode=as2&camp=1789&creative=9325&creativeASIN=0307465357">The 4-Hour Workweek</a><img alt="" border="0" height="1" src="http://www.assoc-amazon.com/e/ir?t=inmyowwo0b-20&l=as2&o=1&a=0307465357" style="border: medium none ! important; margin: 0px ! important;" width="1" />) and I am hoping to start in a new direction this year.<br />
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These aren't really Resolutions, more of a list of things I would like to accomplish:<br />
<ul><li>Complete the backyard (including sod in the spring @ $1,000) </li>
<li>Paint the bathroom</li>
<li>Learn some Spanish (thanks to Rosetta Stone)</li>
</ul><br />
More on <u>how to accomplish these goals</u> in a later post....Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com1tag:blogger.com,1999:blog-3106279410405006509.post-66356329027280914812009-12-18T15:17:00.000-08:002009-12-18T15:21:25.733-08:00Cutting out the Coffee Cravings – How I cut down on those delicious but overpriced lattes<span style="color:#000000;">The simplest answer would have been – just stop going to Starbucks... but I <span class="blsp-spelling-error" id="SPELLING_ERROR_0">couldn</span>’t do it. <strong>Every time I skipped Starbucks before class I feel prey to the vending machine</strong>…with its tiny over-priced vanilla cappuccinos and the $1 bag of M&Ms. It was terrible, and not only for my waistline. </span><br /><span style="color:#000000;"><br />So I came to a resolve, if I <span class="blsp-spelling-error" id="SPELLING_ERROR_1">couldn</span>’t stay away, I had to spend less. And I did! I never thought I would become a tea drinker, but it happened. <strong>I went cold turkey</strong>. Well, not really…I drink black tea and green tea, both of which have caffeine. I get my fix, at a lower price point and calorie content…it’s a win-win-win for me!<br /><br />I started by taking coffee out of the morning equation. For me, it was simply not brewing my daily coffee. Instead, I stocked my desk with tea bags and <span class="blsp-spelling-error" id="SPELLING_ERROR_2">Splenda</span>. The water cooler has a hot water tap which means….instant caffeine fix, at $0.30 a cup. Once I became accustom to the difference, then the transition at Starbucks was simple. I order a <span class="blsp-spelling-error" id="SPELLING_ERROR_3">Venti</span> Green Tea now. Instead of $4.00 I pay $1.85 ($2.30 if it’s iced).<br /><br />The best part? Once I drink the tea, I add more water and microwave until hot and it’s like getting another 20 oz’s for free.<br /><br /><br /></span>Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-14814979775766611972009-12-02T19:28:00.000-08:002009-12-02T19:43:54.139-08:00Net Worth - December 2009<span style="font-family: Arial; font-size: small;"><span style="font-size: 13px;"></span></span><br />
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<tr><td style="font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;" valign="top"><table cellpadding="0" cellspacing="0" class="dataTable" id="ctl00_cphContent_report_tblAssets" style="margin-bottom: 10px;"><tbody>
<tr><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;">Assets</td><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;"> </td><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;">$ Diff</td><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;">% Diff</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Cash</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$19,677</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData evenRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Stocks</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$3,402</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Bonds</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData evenRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Annuities</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Retirement</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$1,338</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData evenRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Home</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$135,000</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Other Real Estate</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData evenRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Cars</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$4,665</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Personal Property</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData evenRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Other</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$42</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="subTotalLine" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Total Assets</td><td class="subTotalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$164,124</td><td class="subTotalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="subTotalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
</tbody></table></td><td style="font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;" valign="top"><table cellpadding="0" cellspacing="0" class="dataTable" id="ctl00_cphContent_report_tblDebts" style="margin-bottom: 10px;"><tbody>
<tr><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;">Debts</td><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;"> </td><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;">$ Diff</td><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;">% Diff</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Home Mortgage(s)</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$133,749</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Other Mortgage(s)</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData evenRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Student Loans</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$20,500</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Credit Card</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$995</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData evenRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Car Loans</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Other</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="subTotalLine" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Total Debts</td><td class="subTotalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$155,244</td><td class="subTotalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="subTotalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td colspan="3" style="font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;"> </td></tr>
<tr><td class="totalLine" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 1px; border-top-color: rgb(235, 163, 46); border-top-style: double; border-top-width: 3px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Net Worth</td><td class="totalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 1px; border-top-color: rgb(235, 163, 46); border-top-style: double; border-top-width: 3px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$8,880</td><td class="totalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 1px; border-top-color: rgb(235, 163, 46); border-top-style: double; border-top-width: 3px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="totalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 1px; border-top-color: rgb(235, 163, 46); border-top-style: double; border-top-width: 3px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
</tbody></table></td></tr>
</tbody></table></span></span></span><br />
</div><div><br />
</div><div><br />
</div></span></span><span style="font-family: Arial; font-size: small;"><span style="font-size: 13px;">Yay! My net worth is UP! </span></span><br />
<div><span style="font-family: Arial; font-size: small;"><span style="font-size: 13px;"><br />
</span></span><br />
</div><div><span style="font-family: Arial; font-size: small;"><span style="font-size: 13px;">Not much of a change, but I fell off the spending wagon too, I think I've spent about $400 on my pets between this month and last!!! (They are worth it, I swear)</span></span><br />
</div><div><span style="font-family: Arial; font-size: small;"><span style="font-size: 13px;"><br />
</span></span><br />
</div><div><span style="font-family: Arial; font-size: small;"><span style="font-size: 13px;">Oh...and as for my obvious absence from blogging....I'M BACK! </span></span><br />
</div><div><span style="font-family: Arial; font-size: small;"><span style="font-size: 13px;"><br />
</span></span><br />
</div><div><span style="font-family: Arial; font-size: small;"><span style="font-size: 13px;">Thanks for your continued support :)</span></span><br />
</div>Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-38357106149005714642009-10-20T15:41:00.000-07:002009-10-20T16:19:55.995-07:00Rock Climbing = Stress Relief<div><br /><div><span style="color:#000000;">Talk about random! I decided that I need to be more active, get some more exercise and meet new people…and I am so tired of the boring gym.<br /><br />My solution: <strong>rock climbing!</strong><br /><br />I found an indoor wall 3 miles from my house, open in the evenings until late…and I couldn’t be happier. I was scared walking in. I didn’t know what I was walking in to. I didn’t call; I was just going to look around. Two minutes later I was in a harness going over safety with another girl who just randomly happened to be a newbie too. I couldn’t have picked a better time to show up. </span></div><br /><br /><div><span style="color:#000000;">We spent about an hour scaling three or four walls and trying to stay away from the big group of people on the difficult walls while we learned the ropes. I was glowing after the first wall, and still truly excited even on the last wall. I knew I had to take it easy though, if I didn’t I would wake up in a world of pain, so an hour was all I attempted, and I totaled maybe five short climbs. </span></div><br /><div><br /><span style="color:#000000;">And I am going back….very soon! </span></div><br /><br /><div><span style="color:#000000;"></span></div></div>Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-55113148039051920802009-10-19T13:39:00.000-07:002009-10-19T13:43:46.735-07:00Dog Training - Day 1 - Teaching how to Teach<span style="color:#000000;">The first thing that was stressed to us is actually to make the dogs feel comfortable with the space they are training in. Surprisingly, this is done by having the dogs potty (yes, I said potty!) in the training area (the front lawn, in case you were wondering). To continue working on their “confidence” my homework for the week is to get them to potty in strange places and on the leash.<br /><br />We also worked on getting the dogs to sit instead of jump on us. We have to actually entice them to jump on us, and when they sit they get treated. Eventually it will work into a treat only if they sit with no jumping before they sit. We also worked on the down and sit commands, and on how to break a dog of its ‘fixation’ by using touch (cats are usually fixations).<br /><br />Apparently there are three ‘stages’ to dog training (I call them stages at least): <strong>teach, train and proof</strong>, and proof is using training in real world situations. The first stage, teach, will last a few more weeks, probably into week 5 or so.<br /><br />I am still not impressed by the dog trainer’s professionalism. He was 40 minutes late starting the session...<em>But</em>, it really seems like he knows what he is talking about, we completed two hours of ‘teaching’, and he is fair. See, the last time we tried an expensive dog trainer, we were not prepared for the extent of training necessary. We didn’t have the time and we didn’t realize the commitment needed. My mother and I dropped close to $800 on that training, and after the first session asked to put training on hold so we could better prepare.<br /><br />By the time we called back, many months later, we were told that we were too late, our money was non refundable, and even though we only had one lesson they would not continue training or give us our money back. The worst part was being told this was in the contract we signed. Sadly, I spoke with the trainer who had no problem putting our training hold back then, but that trainer was no longer with the company, which sounds like the real problem with the refund.</span><br /><br /><strong><span style="color:#000000;">Total Cost:</span></strong> <span style="color:#660000;">$87 per session</span> <span style="color:#000000;">($350 for two dogs, four-two-hour-long sessions)<br /></span><br /><span style="color:#000000;"><strong>Benefits:</strong><br />- I can control Nickel when he revs up to attack another dog; I know how to correct this<br />- I know how to use a corrective touch<br /></span><br /><span style="color:#000000;"><u>Homework:</u><br />- Potty in strange places<br />- Sit opposed to Jump<br />- Down to Stand to Down (looks like doggy yoga) </span>Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-75474613926852776852009-10-15T08:26:00.001-07:002009-10-15T09:48:36.479-07:00Still leaking money....I realized last month that my biggest spending leak is in food. Okay…so maybe I’ve known for a while that this was a problem, whatever, at least I’m doing something about it. Right? <strong>So instead of just idly tracking this budget and watching it as it crosses over into the red each month, I decided to try going </strong><a href="http://pennyandnickeltowealth.blogspot.com/2009/09/increasing-my-net-worth-by-going-cash.html"><strong>cash only </strong></a><strong>for food expenses.</strong> This actually worked, for the first few weeks….and then I realized my trips through drive thru windows went up. I guess this had an opposite effect on me, when I have cash I want to spend it.<br /><br />So, now I am trying to reign in this spending with new rules…<strong><span style="color:#660000;">no more drive thru windows</span></strong>. If I have to get out of my car then there is less of a chance I will stop for fast food, and more of a chance I will run into a grocery store instead. At least that’s what I am hoping. I will still try using cash only and see how it works out.<br /><br />My budget for food is still really high. I need to lower that number as well...but that will come later, one step at a time for now.<br /><br />But then again, maybe I am going about this all wrong. <strong>Can I really modify my behavior by enacting rules against myself? What do you think?</strong><br /><br /><br /><script type="text/javascript"><br />var gaJsHost = (("https:" == document.location.protocol) ? "https://ssl." : "http://www.");<br />document.write(unescape("%3Cscript src='" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E"));<br /></script><br /><script type="text/javascript"><br />try {<br />var pageTracker = _gat._getTracker("UA-10594320-1");<br />pageTracker._trackPageview();<br />} catch(err) {}</script>Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com2tag:blogger.com,1999:blog-3106279410405006509.post-45317299247536928732009-10-12T15:44:00.000-07:002009-10-12T16:02:17.916-07:00A Long and Un-Eventful WeekendI didn't much of anything I set out to do this weekend...and I managed to spend a lot of money in the process.<br /><br />Saturday my parents and I went to a City Wide Garage Sale. It was not as fun as I thought it would be. I found a few things for myself, and a few things to sell online, nothing that great thought. I took my mom out to dinner on Saturday, and paid for drinks with a friend later that night. I <span class="blsp-spelling-corrected" id="SPELLING_ERROR_1">ended</span> up staying in Sunday battling what may have turned into a migraine (no, not just a hangover).<br /><br />I also set myself up for a much needed massage. I am considering going back to monthly massages again. As much as I try to put it in the WANT category and dismiss it, It always ends up back in the NEED category when the headaches and pain start back up. So now I have some juggling to do with my budget.<br /><br />I have been eating out too much again. I found myself using my credit card for some meals over the weekend. (It gets paid off weekly, <span class="blsp-spelling-corrected" id="SPELLING_ERROR_2">don't</span> fret). That means I am off budget on food this month, since I <span class="blsp-spelling-corrected" id="SPELLING_ERROR_3">couldn't</span> pay for it with my <a href="http://pennyandnickeltowealth.blogspot.com/2009/09/increasing-my-net-worth-by-going-cash.html">Food Budget Cash</a>.Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-52648803786538211552009-10-09T13:36:00.001-07:002009-10-09T13:40:28.171-07:00Friday Link FestThis is my first round up of articles from the past few weeks!<br /><br />Enjoy!!<br /><br />Trent at T<strong>he Simple Dollar</strong> answers a readers question: <a href="http://www.thesimpledollar.com/2009/10/08/is-this-all-there-is/">Is this all there is?<br /></a><br /><strong>Man vs Debt</strong> shows us <a href="http://manvsdebt.com/how-not-to-suck-at-blogging/">How not to suck at blogging!</a><br /><br /><strong>WiseBread </strong>shows us how to <a href="http://www.wisebread.com/craigslist-shopping-101">shop Craigslist</a> for a slammin deal!<br /><br /><strong>Lazy Man and Money</strong> writes about the <a href="http://www.lazymanandmoney.com/price-placebo-effect/">price placebo effect</a>....I know I've fallen victim to this!<br /><br /><strong>Budgets are Sexy</strong> outlined the ways <a href="http://www.budgetsaresexy.com/2009/10/internet-transformed-banking-gave-us.html">the internet has transformed banking</a><br /><br /><strong>Dumb Little Man</strong> teaches us how to <a href="http://www.dumblittleman.com/2009/10/how-to-control-constant-worrying.html">control constant worrying </a><br /><br /><strong>Generation X Finance</strong> shares tips on <a href="http://genxfinance.com/2009/09/28/plug-your-money-leaks-and-save-hundreds-of-dollars-painlessly/">plugging money leaks</a><br /><a href="http://genxfinance.com/2009/09/28/plug-your-money-leaks-and-save-hundreds-of-dollars-painlessly/"></a>Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-58545409638683701452009-10-05T14:29:00.000-07:002009-10-05T14:32:49.524-07:00How do I balance saving for the future and having a life right now?Recently I have been struggling with savings, spending, what I want vs. what I need, and basically all of the principles and methods of building wealth. I am not having a hard time with saving money…actually the amount I am saving each month is increasing, even thought I have had to make some big purchases lately. <span style="color:#6600cc;"><strong>I am struggling with spending money on myself.</strong></span><br /><br />I found out last week about a concert this Friday that I would love to go to. I have the money to afford it in savings, it wont be that expensive….maybe $150 with the cost of food and transportation. So why have I been struggling for the past week to make the decision to spend a little on a concert I would love to see? <strong>I would have jumped at this opportunity a few years back, paid with a credit card and taken the day off work.</strong> Now, I have the money in savings and I don’t have to take the day off, just go after work….but I’m still stuck.<br /><br />I’ve been thinking the idea over, and decided to get it down in words….what the heck is my problem? <strong>What am I afraid of?</strong> I am afraid it will be a waste of money…that I will hate the concert or not have a good time then I will regret spending the money on it. That fear is overriding the fear that I will regret going in the first place. So how do I make it over this hurdle?<br /><br /><strong>Has spending money on yourself ever caused an internal conflict for you?</strong>Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-32940747006330963282009-10-02T19:06:00.000-07:002009-10-02T19:06:22.134-07:00Net Worth October 2009<table cellpadding="0" cellspacing="0"><tbody>
<tr><td style="font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;" valign="top"><table cellpadding="0" cellspacing="0" class="dataTable" id="ctl00_cphContent_report_tblAssets" style="margin-bottom: 10px;"><tbody>
<tr><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;">Assets</td><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;"> </td><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;">$ Diff</td><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;">% Diff</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Cash</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$18,136</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData evenRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Stocks</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Bonds</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData evenRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Annuities</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Retirement</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$3,728</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData evenRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Home</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$135,000</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Other Real Estate</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData evenRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Cars</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$4,665</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Personal Property</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData evenRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Other</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="subTotalLine" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Total Assets</td><td class="subTotalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$161,529</td><td class="subTotalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="subTotalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
</tbody></table></td><td style="font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;" valign="top"><table cellpadding="0" cellspacing="0" class="dataTable" id="ctl00_cphContent_report_tblDebts" style="margin-bottom: 10px;"><tbody>
<tr><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;">Debts</td><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;"> </td><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;">$ Diff</td><td class="tableHeader" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #1b2c4d; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 2px; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 1px; color: white; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;">% Diff</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Home Mortgage(s)</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$134,004</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Other Mortgage(s)</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData evenRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Student Loans</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$21,267</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Credit Card</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$268</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData evenRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Car Loans</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData evenRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="tableData oddRow" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Other</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$0</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="tableData oddRow dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: white; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(221, 221, 221); border-bottom-style: solid; border-bottom-width: 1px; color: black; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td class="subTotalLine" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Total Debts</td><td class="subTotalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$155,539</td><td class="subTotalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="subTotalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #dddddd; background-image: initial; background-position: initial initial; background-repeat: initial; border-top-color: rgb(235, 163, 46); border-top-style: solid; border-top-width: 2px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
<tr><td colspan="3" style="font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;"> </td></tr>
<tr><td class="totalLine" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 1px; border-top-color: rgb(235, 163, 46); border-top-style: double; border-top-width: 3px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px;">Net Worth</td><td class="totalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 1px; border-top-color: rgb(235, 163, 46); border-top-style: double; border-top-width: 3px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">$5,990</td><td class="totalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 1px; border-top-color: rgb(235, 163, 46); border-top-style: double; border-top-width: 3px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td><td class="totalLine dollar" style="-webkit-background-clip: initial; -webkit-background-origin: initial; background-attachment: initial; background-color: #fbfcd1; background-image: initial; background-position: initial initial; background-repeat: initial; border-bottom-color: rgb(235, 163, 46); border-bottom-style: solid; border-bottom-width: 1px; border-top-color: rgb(235, 163, 46); border-top-style: double; border-top-width: 3px; color: black; font-weight: bold; font: normal normal normal 0.75em/normal Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right;">-</td></tr>
</tbody></table></td></tr>
</tbody></table><br />
<br />
<span style="color: #38761d;">+$1262</span><br />
<br />
Not bad...not that great either, but I will take it! Check me out at <a href="https://www.networthiq.com/people/PennyAndNickel/2009/10">NetWorthIQ</a>.Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-47817159170203368072009-09-28T17:58:00.000-07:002009-09-30T15:26:31.733-07:00Joining the Million Dollar Club!<center><span class="Apple-style-span" style="webkit-border-horizontal-spacing: 2px; webkit-border-vertical-spacing: 2pxfont-family:monospace;" ><a href="http://www.budgetsaresexy.com/2008/04/my-millionaire-to-do-list.html"><img alt="Million Dollar Club" src="http://www.budgetsaresexy.com/images/million_dollar_club_seal_M.gif" border="0" /></a></span></center><br /><br />J. Money at <a href="http://www.budgetsaresexy.com/">BudgetsAreSexy</a> has the <a href="http://www.budgetsaresexy.com/2008/04/my-millionaire-to-do-list.html">coolest club </a>around...and I'm joining!<br /><br />In order for me to become a millionaire, I pleadge to do the following:<br />1. Continue to contribute 12% to my 401K - $4186 per year<br />2. Contribute $100 per month to my Roth IRA - $1200<br />3. Sell stuff on eBay and Amazon (this is my side business) - $1200<br />4. Live Frugally (even after I am an attorney) - $2400 (put at least $200 a month in savings)<br /><br />I will be a millionaire in....way too long!!<br /><br />However…I will also amass a substantial debt continuing over the next three years with law school…$90,000 (approximation) which will result in a substantial increase in earning power (provided I pass the Bar). Everything is just so up in the air, but <span style="color:#000099;"><strong>I know I will reach One Million Dollars</strong></span>…one day<br /><br /><p><em><strong>Just because its a long road to wealth doesn't mean I'm not going to travel it....Im on my way!</strong></em></p>Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com3tag:blogger.com,1999:blog-3106279410405006509.post-2794859149341591902009-09-28T14:01:00.000-07:002009-09-28T18:04:22.354-07:00Dog Training Update: Evaluation DayI was a little taken aback when I pulled up to dog training evaluation and realized that the trainer was working out of his house. I was even more worried when I realized that training would be conducted in the front yard, after all…<span style="color:#000000;"><u>first impression are everything</u> (or so I'm told)</span>. My mother came with me, since my dogs stay at her place at least two days I week, I wanted to make sure she was on board with training too.<br /><br />After talking to us for about 30 minutes I began to get a little more comfortable with the dog trainer (here on out I will refer to as <span class="blsp-spelling-error" id="SPELLING_ERROR_0">DT</span>). I found it a little unprofessional that he chose to smoke a cigarette and take a personal call during this first ‘session’ as I will call it, and I could tell my mom was not pleased. Still, I gave him a fair shot to win me over, everyone has faults.<br /><br />He evaluated each dog one by one by first taking notes and a brief history of each dog, then working one on one with each dog to assess them. First <span class="blsp-spelling-error" id="SPELLING_ERROR_1">DT</span> explained what he was going to do and why…he was going to stress my dogs out (yes, sad by necessary) to find how they react at their breaking point, then approach them immediately in a friendly way to see how quickly they trust and recoil. My mom and I were allowed to observe the entire exercise, out of sight from my dogs of course. I was surprised at the results, but and after his explanation it made perfect sense. Penny would be harder to train (and most beagles are) and would need more confidence building, whereas Nickel came out the easier of the two to train. Penny actually took longer to approach <span class="blsp-spelling-error" id="SPELLING_ERROR_2">DT</span> after being stressed, and was uneasy about it, whereas Nickel was quick to recoil and <span class="blsp-spelling-error" id="SPELLING_ERROR_3">didn</span>’t really ‘take it personally’ as I put it.<br /><br />Funny, I thought it would be the other way around….<br /><br />Even though I <span class="blsp-spelling-error" id="SPELLING_ERROR_4">wasn</span>’t that impressed with the professionalism of <span class="blsp-spelling-error" id="SPELLING_ERROR_5">DT</span>, I think this is the best option for what I am looking to accomplish. Most importantly, I need to work on my leadership which was apparent after <span class="blsp-spelling-error" id="SPELLING_ERROR_6">DT</span> taking my dogs for ten minutes. He was a little rougher than I would like, but my dogs are my kids, so of course I would feel that way. Oh, and I was impressed at the control he had over both of my dogs after such a short time.<br /><br /><br /><em><strong>Ha....I related this story to a friend of mine, and he summed it up all in one sentence: "So you ended up getting the Crocodile Dundee of dog trainers." Brilliant.</strong><br /></em><br /><br /><br /><strong>Total Cost</strong>: <span style="color:#cc0000;"><strong>$87</strong></span> (for both dogs)<br /><br /><strong>Was it worth it?</strong> – It was a little expensive for an evaluation. No other trainer requested an evaluation, so I don’t know the average cost for this.Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-66372908786220832212009-09-24T11:32:00.000-07:002009-09-24T12:04:42.569-07:00How should I attack my student loans?Okay, I have been racking my brain about how to attack a student loan problem. Maybe someone out there has some advice.<br /><br />I am currently starting my second year of a four year law school program. I go to school full time and work full time. I took out two loans to fund my first year. Here is a break down of the loans:<br /><br /><span style="color:#cc0000;"><strong>#1 - $8,500 at 0% interest and deferred payments (Subsidized)<br />#2 - $12,000 at 6.8% interest (accruing at time of issuance) and<br />deferred payments (Unsubsidized)<br /></strong></span><br />When I initial took out these loans I was under the impression that all of the interest was deferred, not just the interest on the subsidized loan. As a matter of fact, I remember distinctly asking about the interest deferment, but apparently the person I spoke withdidn’t understand the question, and now I am stuck with a LOT of interest accruing over the next three years. Additionally, I took out the same two loans for this year’s tuition and expenses.<br /><br /><br /><strong>Should I just hang onto these loans until after graduation and refinance it at a lower rate. </strong><br /><br /><strong>Should (or can I) refinance it now and start making payments? </strong><br /><br /><strong>Should I start applying payments to it? Should I just hold onto my savings, make payments on the interest accrued, and refinance at the end of school?<br /></strong><br />Financial Snapshot: <a href="http://www.networthiq.com/people/PennyAndNickel">NetworthIQ </a>Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-2479921156775649732009-09-21T14:49:00.000-07:002009-09-29T08:50:39.620-07:00An Experiment with An Expensive Dog TrainerAfter taking Penny through the beginners training (twice) at Petsmart, I have decided to go a different, more expensive route for continued training. Nickel has some dog aggression issues and it is too much of a liability for me to take him into group training (this is something I decided for the safety of my dogs as well as other dogs). While it is considerably more expensive, I will be able to receive one-on-one training that will teach me how to handle and train my dogs.<br /><br />I have chosen to go with a local and expensive company for training. It is a local company that provides group, one-on-one and boarded training options. I chose an 8 week training course which will work on some issues as well as basic obedience. I have been told that they are not about teaching "tricks" (sit, stay, lay down) as much as they are about teaching behaviour...more of a Cesar Milan style is what I picked up on.<br /><br />We start on Saturday, and I will attempt to post regularly about the progress of my dogs, and ultimately if it was a fiscally responsible thing to do. There were cheaper options, but I think a more intensive method of training is required.<br /><br />Both dogs will be in the same training at the same time. (One of the benefits of this over other methods) This will allow me to teach both of them correctly and not have them in different parts of training at different times, which would ultimately confuse me.<br /><br /><strong>My Dogs:</strong><br /><br /><a href="http://picasaweb.google.com/lh/photo/gWYwr9XwfQQr1TXrkfSG0Q?authkey=Gv1sRgCObV7JDVla3KEg&feat=directlink">Penny</a> is a three year old beagle mix. I rescued her from a no-kill shelter in February 2009. She has gone through Petsmart’s beginner training twice, and is becoming a very good girl, but she seems to only want to listen when food is involved. The only background information I have is that she was found in someone’s backyard with her litter of puppies. By the time I found her all of her puppies had been adopted.<br /><br /><a href="http://picasaweb.google.com/lh/photo/NTexLkXsN0PI2OtHhUZ4mA?authkey=Gv1sRgCObV7JDVla3KEg&feat=directlink">Nickel</a> is a one year old cattle dog mix. I think he is Queensland Heeler and Border Collie, with some other breed mixed in since he is smaller than average. I rescued him from the County Shelter in May 2009, and he has no training that I know of. He was found as a stray. He walks well on a leash (until he sees another dog) which leads me to believe he belonged to someone before me.<br /><br />I am hoping that this training will accomplish a few goals, mostly basic obedience and help with the following problems:<br /><br /><strong>Penny's Issues:</strong><br /><br /><u>Food Aggression</u> - I have seen her run across the room growling to block to bowl from Nickel. This is obviously a big one for her.<br /><br /><u>Walking on a Leash</u> - Even after the PetsMart training she still pulls on the leash. If she sees another dog, she tries everything to get to it. Not aggressive, just eager to make new friends, but there is no telling if the other dog is aggressive or friendly.<br /><br /><strong>Nickel's Issues:</strong><br /><br /><u>Dog on Dog Aggression</u> - He lunges and tries to attack other dogs. He seems fine with Penny and my parents’ dogs, even my cat, but as soon as he sees another dog while on a walk, he growls, snaps, barks and pulls. Add Penny into the mix and I have two dogs pulling and barking at the same time, and Nickel will start nipping at Penny. Not Fun!<br /><br /><u>Nipping/Jumping</u> - Nickel thinks everything is a game. He will jump all over you when you greet him, and when you scold him or push him off, he thinks its a game and comes back for more. He also likes to nip at hands, and lick hands or feet incessantly. He has no manners and thinks climbing on you is perfectly normal.<br /><br /><br />So....wish me luck, and I will try to post some of the more interesting points of training, while trying not to give away any 'secrets'. This will hopefully turn into a series on the pros and cons of more expensive and intensive dog training, as well as progress reports and thoughts on the training itself.<br /><br /><br /><script type="text/javascript">var gaJsHost = (("https:" == document.location.protocol) ? "<a href="https://ssl/">https://ssl</a>." : "<a href="http://www/">http://www</a>.");document.write(unescape("%3Cscript src='" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E"));</script><br /><script type="text/javascript">try {var pageTracker = _gat._getTracker("UA-10594320-1");pageTracker._trackPageview();} catch(err) {}</script><br /><br /><br /><script type="text/javascript"><br />var gaJsHost = (("https:" == document.location.protocol) ? "https://ssl." : "http://www.");<br />document.write(unescape("%3Cscript src='" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E"));<br /></script><br /><script type="text/javascript"><br />try {<br />var pageTracker = _gat._getTracker("UA-10594320-1");<br />pageTracker._trackPageview();<br />} catch(err) {}</script>Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-4157091584819655422009-09-17T11:03:00.000-07:002009-09-17T12:44:57.493-07:00Online Tactics to Save you More Money (and Maybe Make some Extra Cash)<span style="font-size:130%;"><span style="color:#6600cc;"><strong>Ways to Scrounge Up Some Extra Moolah!</strong></span><br /></span><br /><br /><a href="http://www.cashbaq.com/?refer=477227"><strong>Cashbaq</strong></a><br /><br /><a href="http://www.cashbaq.com/?refer=477227"><img height="110" src="http://www.cashbaq.com/images/cashbaqbadge.jpg" width="221" border="0" target="_blank" /></a><br /><br /><a href="http://www.cashbaq.com/?refer=477227">Cashbaq </a>is a rebate program. Simply check this site before you make a purchase online to see if Cashbaq offers a rebate. If it does, click through the link on Cashbaq and make your purchase as normal. Easy Money!<br /><br /><u>Highlights:</u><br />Get $15 cashback for new registrations to NetFlix<br />10% cashback at 1-800-Pet-Meds<br />6% cashback at FTD<br />10% cashback at Fossil<br />$9 cashback for Rhapsody<br />4% cashback Dog.com (my fav!)<br /><br /><br /><br /><a href="http://www.cashcrate.com/1510208"><strong>CashCrate </strong></a><br /><br /><a href="http://www.cashcrate.com/1510208"><img height="125" src="http://www.cashcrate.com/images/srennab/125_green.gif" width="125" /></a><br /><br />Get paid to complete surveys and sign up for newsletters. I am not as familiar with this one but everything I have heard about them is positive. The best part about their search option is the ability to search for only free surveys and newsletters. You can also earn rebates by shopping at stores on thier list.<br /><br /><u>Hightlights:</u><br />Make a purchase at PhotoStamps = $8 back<br />Sign up for the free trial of CreditReport.com = $9<br />Sign up for the free trial of FreeCredirReport.com = $5<br />Get paid for completing Reseach Surveys (up to 2 a day)<br />Get approved for a Discover Gas Card = $40<br />Click through and complete forms for $.50 to $2.25 each<br /><br /><br /><u></u><br /><a href="http://click.mail.ebates.com/?ju=fe631c737265067d7214&ls=fdf810747760027574167471&m=fef811737c6105&l=fed415737565027d&s=fe2f107670660d7f761570&jb=fef51c79776403&t="><strong>Ebates</strong></a><br /><br />This is very similar to Cashbaq. If you sign up using the link above (or <a href="http://click.mail.ebates.com/?ju=fe631c737265067d7214&ls=fdf810747760027574167471&m=fef811737c6105&l=fed415737565027d&s=fe2f107670660d7f761570&jb=fef51c79776403&t=">here</a>) you can get $5 just for signing up! Before making an online purchase, just check the site to see if you can score some cash back!<br /><br /><u>Highlights:</u><br />8-14% cashback at eBags.com<br />5-10% cashback at Boden.com<br />3-5% cashback at Nordstroms.com<br />3-6& cashback at HSN.com<br />7-12% cashback Piperlime.com<br />3-5% cashback Macy's.com<br /><br /><br /><a href="http://www.bing.com/"><strong>Bing</strong></a><br /><br />(Formerly Live.com) I always check this site before I shop eBay. There is almost always some cash back. (Search Bing.com fop "ebay buy it now" or "ebay buy it now xbox") Look for the cash back icon and click the link that is next to it. Just like <a href="http://www.cashbaq.com/?refer=477227">Cashbaq </a>or <a href="http://click.mail.ebates.com/?ju=fe631c737265067d7214&ls=fdf810747760027574167471&m=fef811737c6105&l=fed415737565027d&s=fe2f107670660d7f761570&jb=fef51c79776403&t=">Ebates</a>, complete your order and your rebate will be paid out to your PayPal account (around 60 days later).<br /><br /><u>Highlights:</u><br />4% cashback at Gap.com<br />10% cashback at Sephora (plus free shipping)<br />2-5% cashback at Walmart.com<br />6-10% cashback at HPDirect<br />3-6% cashback at HomeDepot.com<br /><br /><br /><a href="http://www.swagbucks.com/refer/InMyOwnWorld"><strong>Swagbucks </strong></a><br /><br />The easiest of all is Swagbucks! Simply use this search engine (powered by Google!) to do your Internet searches and you get points....awesome right!? Redeem your points through their store for free money! Click the link above (or <a href="http://www.swagbucks.com/refer/InMyOwnWorld">here</a>) to sign up!<br /><br /><u>Highlights:</u><br />40 Swagbucks = $25 e-giftcard to Restaurants.com<br />45 Swagbucks = $5 e-giftcard to Amazon.com<br />70 Swagbucks = $5 e-giftcard to PayPal<br />125 Swagbucks = $10 e-giftcard to Barnes & Noble<br /><br /><br /><br /><script type="text/javascript">var gaJsHost = (("https:" == document.location.protocol) ? "<a href="https://ssl/">https://ssl</a>." : "<a href="http://www/">http://www</a>.");document.write(unescape("%3Cscript src='" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E"));</script><script type="text/javascript">try {var pageTracker = _gat._getTracker("UA-10594320-1");pageTracker._trackPageview();} catch(err) {}</script>Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-34164172231760084002009-09-16T18:34:00.000-07:002009-09-17T12:44:33.925-07:00Lazy Man gets sued by MonaVie<span style="font-family:Arial;"><span style="font-size:48;"><span style="font-family:'Times New Roman';font-size:16;"><div style="BORDER-TOP-WIDTH: 0px; PADDING-RIGHT: 3px; PADDING-LEFT: 3px; BORDER-LEFT-WIDTH: 0px; BORDER-BOTTOM-WIDTH: 0px; PADDING-BOTTOM: 3px; MARGIN: 0px; FONT: 100% Georgia, serif; WIDTH: auto; PADDING-TOP: 3px; TEXT-ALIGN: left; BORDER-RIGHT-WIDTH: 0px"><div><span style="font-family:Arial;font-size:small;"><span style="font-size:13;"><span style="font-family:'Times New Roman';font-size:16;"><div style="MARGIN: 0px"><b>I have to say that </b><a href="http://www.lazymanandmoney.com/"><b>Lazy Man</b></a><b> did a spectacular job with the case briefs in his latest post on the ongoing battle between the personal finance blogger and MLM scheme MonaVie!</b><br /><b><b></b></b><br /><b></b></div><div style="MARGIN: 0px"></div><div style="MARGIN: 0px"><b>Check our the ongoing saga </b><a href="http://www.lazymanandmoney.com/monavie-scam-was-my-wife-recruited-sell-snake-oil/"><b>here</b></a><b>, </b><a href="http://www.lazymanandmoney.com/monavie-sue-me/"><b>here </b></a><b>and </b><a href="http://www.lazymanandmoney.com/monavie-employee-calls-me-an-annoying-douche/"><b>here</b></a><b>. </b><br /><b><br /></b><br /><br /></div><div style="MARGIN: 0px"></div><div style="MARGIN: 0px"></div><div style="MARGIN: 0px"><b>There is a LOT of information here, and a TON of comments...<br /><br /><br /></div><div style="MARGIN: 0px"></div><div style="MARGIN: 0px"><b>Happy Reading!</b><br /><b><br /></b></div><div style="MARGIN: 0px"></div><div style="MARGIN: 0px"><b>(p.s. If I get sued for this I expect help from my fellow law school students) </b></div><div style="MARGIN: 0px"> </div><div style="MARGIN: 0px"><script type="text/javascript">var gaJsHost = (("https:" == document.location.protocol) ? "<a href="https://ssl/">https://ssl</a>." : "<a href="http://www/">http://www</a>.");document.write(unescape("%3Cscript src='" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E"));</script><script type="text/javascript">try {var pageTracker = _gat._getTracker("UA-10594320-1");pageTracker._trackPageview();} catch(err) {}</script></div></b></span><b></b></span><b></b></span><b></b></div><b></b></div><b></b></span><b></b></span><b></b></span><b></b><br /><b></b>Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-21338165658337731602009-09-09T18:49:00.000-07:002009-09-10T07:51:56.958-07:00Net Worth - August 2009<span style="font-family: Arial; font-size: small;"><span class="Apple-style-span" style="font-size: 13px;"><span class="Apple-style-span" style="font-family: 'Times New Roman'; font-size: 16px;"></span></span></span><br />
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<tr><td class="tableHeader" style="background-color: #1b2c4d; border-bottom: rgb(235,163,46) 2px solid; border-top: rgb(235,163,46) 1px solid; color: white; font: 0.75em Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Assets</span></td><td class="tableHeader" style="background-color: #1b2c4d; border-bottom: rgb(235,163,46) 2px solid; border-top: rgb(235,163,46) 1px solid; color: white; font: 0.75em Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px; webkit-background-clip: initial; webkit-background-origin: initial;"></td><td class="tableHeader" style="background-color: #1b2c4d; border-bottom: rgb(235,163,46) 2px solid; border-top: rgb(235,163,46) 1px solid; color: white; font: 0.75em Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$ Diff</span></td><td class="tableHeader" style="background-color: #1b2c4d; border-bottom: rgb(235,163,46) 2px solid; border-top: rgb(235,163,46) 1px solid; color: white; font: 0.75em Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">% Diff</span></td></tr>
<tr><td class="tableData oddRow" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Cash</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$15,636</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="tableData evenRow" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Stocks</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$0</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="tableData oddRow" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Bonds</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$0</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="tableData evenRow" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Annuities</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$0</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="tableData oddRow" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Retirement</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$4,479</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="tableData evenRow" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Home</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$135,000</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="tableData oddRow" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Other Real Estate</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$0</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="tableData evenRow" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Cars</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$4,875</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="tableData oddRow" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Personal Property</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$0</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="tableData evenRow" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Other</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$0</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="subTotalLine" style="background-color: #dddddd; border-top: rgb(235,163,46) 2px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Total Assets</span></td><td class="subTotalLine dollar" style="background-color: #dddddd; border-top: rgb(235,163,46) 2px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$159,990</span></td><td class="subTotalLine dollar" style="background-color: #dddddd; border-top: rgb(235,163,46) 2px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="subTotalLine dollar" style="background-color: #dddddd; border-top: rgb(235,163,46) 2px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
</tbody></table></td><td style="font: 0.75em Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;" valign="top"><br />
<table cellpadding="0" cellspacing="0" class="dataTable" id="ctl00_cphContent_rptEntries_ctl00_report_tblDebts" style="margin-bottom: 10px;"><tbody>
<tr><td class="tableHeader" style="background-color: #1b2c4d; border-bottom: rgb(235,163,46) 2px solid; border-top: rgb(235,163,46) 1px solid; color: white; font: 0.75em Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Debts</span></td><td class="tableHeader" style="background-color: #1b2c4d; border-bottom: rgb(235,163,46) 2px solid; border-top: rgb(235,163,46) 1px solid; color: white; font: 0.75em Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px; webkit-background-clip: initial; webkit-background-origin: initial;"></td><td class="tableHeader" style="background-color: #1b2c4d; border-bottom: rgb(235,163,46) 2px solid; border-top: rgb(235,163,46) 1px solid; color: white; font: 0.75em Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$ Diff</span></td><td class="tableHeader" style="background-color: #1b2c4d; border-bottom: rgb(235,163,46) 2px solid; border-top: rgb(235,163,46) 1px solid; color: white; font: 0.75em Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">% Diff</span></td></tr>
<tr><td class="tableData oddRow" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Home Mortgage(s)</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$134,004</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="tableData oddRow" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Other Mortgage(s)</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$0</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="tableData evenRow" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Student Loans</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$21,258</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="tableData oddRow" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Credit Card</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$0</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="tableData evenRow" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Car Loans</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$0</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData evenRow dollar" style="background-color: #fbfcd1; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="tableData oddRow" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Other</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$0</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="tableData oddRow dollar" style="background-color: white; border-bottom: rgb(221,221,221) 1px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td class="subTotalLine" style="background-color: #dddddd; border-top: rgb(235,163,46) 2px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Total Debts</span></td><td class="subTotalLine dollar" style="background-color: #dddddd; border-top: rgb(235,163,46) 2px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$155,262</span></td><td class="subTotalLine dollar" style="background-color: #dddddd; border-top: rgb(235,163,46) 2px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="subTotalLine dollar" style="background-color: #dddddd; border-top: rgb(235,163,46) 2px solid; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
<tr><td colspan="3" style="font: 0.75em Verdana, Arial, Helvetica, sans-serif; padding-bottom: 4px; padding-left: 4px; padding-right: 4px; padding-top: 4px;"></td></tr>
<tr><td class="totalLine" style="background-color: #fbfcd1; border-bottom: rgb(235,163,46) 1px solid; border-top: rgb(235,163,46) 3px double; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">Net Worth</span></td><td class="totalLine dollar" style="background-color: #fbfcd1; border-bottom: rgb(235,163,46) 1px solid; border-top: rgb(235,163,46) 3px double; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">$4,728</span></td><td class="totalLine dollar" style="background-color: #fbfcd1; border-bottom: rgb(235,163,46) 1px solid; border-top: rgb(235,163,46) 3px double; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td><td class="totalLine dollar" style="background-color: #fbfcd1; border-bottom: rgb(235,163,46) 1px solid; border-top: rgb(235,163,46) 3px double; color: black; font: 0.75em Verdana, Arial, Helvetica, sans-serif; height: 16px; margin-left: 10px; padding-bottom: 2px; padding-left: 2px; padding-right: 2px; padding-top: 2px; text-align: right; webkit-background-clip: initial; webkit-background-origin: initial;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: small;">-</span></td></tr>
</tbody></table><br />
<br />
<br />
<br />
</td></tr>
</tbody></table>Check me out at <a href="http://www.networthiq.com/people/PennyAndNickel">NetWorthIQ</a>!<br />
<br />
<span style="font-family: Arial, Helvetica, sans-serif;">Okay, So its not the most accurate portrait of my current financial position....but it will do. It doesn't take into account the current student loan I am pulling on for this year...so I'm probably in the negative and I just don't know it.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><br />
</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">For my home value, I use the amount I purchased my home for back in December.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><br />
</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">Big expenses from last month....I had concrete laid around my house....it cost me $2400, but well worth the peace of mind knowing my dogs can no longer escape by digging under the fence. Also, there have been some miscellaneous costs form erecting the retaining wall in the back yard. Hopefully I will be able to post before and after pics for ya!</span><br />
<br />
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} catch(err) {}</script>Penny & Nickel to Wealthhttp://www.blogger.com/profile/07382771263239467035noreply@blogger.com0tag:blogger.com,1999:blog-3106279410405006509.post-17389798277966823792009-09-09T09:47:00.001-07:002009-09-10T07:52:18.583-07:00Saving Money on Pet Expenses<span style="color: black;">I have two dogs and one cat, and as I am sure many of you pet lovers know, <span style="color: #330099;">pets are expensive.</span> They cost money to adopt, feed, shelter, groom and train. So I thought it only proper to have a post dedicated to the furry creatur<strong><span style="color: #cc0000;">c</span></strong>es that steal our hearts.</span><br />
<span style="color: black;"></span><br />
<div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><br />
<span style="color: #cc0000;"><strong>Vet Bills and Medi<span style="color: #cc0000;">ations </span></strong></span><span style="font-size: 0px;"></span><strong></strong></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><a href="http://2.bp.blogspot.com/_bTSy4dtrFNo/Sp2btuLkflI/AAAAAAAAADY/4Ek5gKX-U7A/s1600-h/dog+in+collar.jpg" imageanchor="1" style="clear: right; cssfloat: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" lk="true" src="http://2.bp.blogspot.com/_bTSy4dtrFNo/Sp2btuLkflI/AAAAAAAAADY/4Ek5gKX-U7A/s320/dog+in+collar.jpg" /></a><span style="color: black;"><strong>Ask for Discounts</strong></span><span style="color: black;"><br />
Some Vet offices are really cool (mine is) and offer discounts, especially if you have more than one pet. Some offices have payment plans as well, but I haven't asked if mine has one, since I have an <a href="http://inmyownworldblog.blogspot.com/2009/08/getting-serious-about-my-goals.html">ING Direct </a>Sub-Account for my pets bills. Still, it never hurts to ask!<br />
<br />
<strong>Buy Vaccines Directly</strong><br />
Rather than pay the vet office visit fee and the vaccination cost, order the vaccines online or from a catalog and do it yourself. Administering subcutaneous vaccines is not a difficult task and can be done very easily and quickly once you get the hang of it. My top picks for online or catalog ordering: </span></div></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="color: black;"><a href="http://www.dog.com/">Dog.com</a></span><br />
<span style="color: black;"><a href="http://www.jefferspet.com/">Jeffers</a></span></div><div class="separator" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; clear: both; text-align: left;"><span style="color: black;"><a href="http://www.drsfostersmith.com/">Drs. Foster & Smith</a><br />
<br />
<strong>Visit a Low Cost Clinic<br />
</strong><a href="http://www.petsmart.com/">Petsmart </a>and <a href="http://www.petco.com/">Petco </a>offer low cost clinics in my area for basic vaccinations. Some of the non-profit shelters also do the same. These are often cheaper than the do-it-yourself method.<br />
<br />
<strong>Buy meds online and use coupons</strong><br />
I buy flea and tick medications online. I have found several different ways to save money doing this, but the best savings is found when you combine a few different methods.<br />
Often, I find my dogs K9 Advantix on eBay. I know many people will not buy from eBay, but I have never had a problem with any products I buy from power sellers with good feedback. Before logging on the eBay, I visit <a href="http://www.bing.com/">Bing.com </a>and find out if there is a cashback on eBay purchases. (search for 'ebay buy it now'). Then enter the eBay site by clicking on the cashback symbol. Your savings should appear on all of the pages next to a cashback icon. Also, visit <a href="http://www.ebates.com/rf.do?referrerid=umG0AMLlqiJ0%2BneSQlmhGg%3D%3D">ebates.com</a> or <a href="http://www.cashbaq.com/?refer=477227">cashbaq.com</a> to see if eBay or PayPal has any cashback rebates availble. Even if it is 1% it can add up. Lastly, pay through PayPal with a credit card that offers cash back rewards for additional savings. On my last purchased I saved a combined 11% and received one years worth of Advantix for a slightly over $100. (Retail Price: $170 at <a href="http://www.blogger.com/www.1800petmeds.com/K9+Advantix-prod10631.html">1-800-PETMEDS</a>)</span></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><br />
<strong>See if the vet will price match</strong><br />
I was lucky enough to have a vet that price matches for medications I get often, such as the heartworm medication given monthly. Every time I have to buy more, I <strong>search online for the cheapest deal</strong> I can find, print out the information, and my vet will give the heartworm medication to me for that price. No shipping, no waiting and no faxing in prescriptions. </div><br />
<div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><br />
<strong><span style="color: #cc0000;">Grooming</span></strong> </div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"></div><strong>Hair Cuts</strong><br />
<div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="color: black;">Some pets don’t need a whole lot of grooming, and those owners are lucky! If you have a pet that needs</span><span style="color: black;"> to be groomed, why don’t you try to do it yourself next time. You can buy a Grooming Kit from Amazon for a very good price. I found my clippers for a few dollars at a garage sale. I have a cattledog mix who is very hairy, so I decided to try it out on him. The finished product probably wasn’t the prettiest thing to look at, but it kept him cool in the summer and didn’t cost me much. And, no matter how big the mistake, the fur will grow back...it always does. Try the <a href="http://www.amazon.com/gp/product/B001O8KFIY?ie=UTF8&tag=inmyowwo0b-20&linkCode=as2&camp=1789&creative=390957&creativeASIN=B001O8KFIY">Oster Pet Grooming Kit</a> from Amazon. I use an Oster clipper myself, and they work great. </span></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><br />
<span style="color: black;"><strong>Nail Clipping<br />
</strong>For nail clipping, use the same principle. You can get a nail grinder from Amazon for a good price (I use the <a href="http://www.amazon.com/gp/product/B001FMHZSC?ie=UTF8&tag=inmyowwo0b-20&linkCode=as2&camp=1789&creative=390957&creativeASIN=B001FMHZSC">PediPaws Pet Nail Trimmer</a>). One trip to get my dogs nails cut costs me $10+ (and I have two dogs). So for the price I pay to get both of their nails done once, I can buy the tools to do it myself. </span></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><br />
<span style="color: black;"></span><span style="color: black;"><strong><span style="color: #cc0000;">Boarding</span> </strong></span></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="color: black;">Boarding can be very expensive, but it can also be a necessity for those who travel without their pets. To cut costs on this, try out a pet sitter instead. I usually ask my friends first and see if they would like to stay at my house and take care of my pets while I am gone. Its more of a house sitting arrangement, but friends usually only want food in the fridge and cold beer. If you don't have a friend who will do it, you </span><span style="color: black;">can try Craigslist for advertisement on pet-sitters, or try a quick Google Search to see if there is a company the offers pet-sitters in your neighborhood. <br />
<br />
<br />
<span style="color: #cc0000;"><strong>Dog Walkers<br />
</strong></span></span><strong>Enlist a Friend</strong><span style="color: black;"><span style="color: black;"><span style="color: #cc0000;"><strong><br />
</strong></span></span><span style="color: black;">Exercise is a necessity for all dogs (along with discipline and boundaries, but I wont go all Dog Whisperer on you just yet). I don't have the time to walk my dogs without doing so at 11:00 at night, and I just don't feel comfortable with that in my</span><span style="color: black;"> neighborhood, so I enlisted the help of a friend. I pay him to walk my dogs </span><span style="color: black;">twice a week. If I didn't have this option available to me, I would have gone for the <a href="http://www.craigslist.org/">Craigslist </a>advertisements for dog walkers.<br />
<br />
<strong>Do-It-Yourself<br />
</strong></span></span><span style="color: black;">But lets say I could do the best alternative here, to walk my dog myself. I gain exercise, my dog gains exercise...win/win situation. But lets up the ante here, <strong>why not take on a client</strong>. For every other dog you walk you could actually make some money, and you are already walking your dog anyway.<u> Just make sure you can handle walking multiple dogs</u>! You could advertise on telephone poles on your normal route if you want to stay within your neighborhood. Average dog walking rates are $10 an hour per dog!<br />
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</span><span style="color: black;"></span><span style="color: black;"><br />
<span style="color: #cc0000;"><strong>Dog Toys</strong></span><br />
Both of my dogs are chewers. They prefer the TV remote and the Couch, but I’ve been trying to get them to stick to their toys. I buy my dog toys from the clearance section at either <a href="http://www.dog.com/">Dog.Com </a>or <a href="http://www.jefferspet.com/">Jeffers</a>. Both are great sites that offer excellent toys at a bargain. Couple that with free shipping in some cases (check <a href="http://www.freeshipping.org/">freeshipping.org</a>), a coupon code (try <a href="http://www.retailmenot.com/">RetailMeNot</a>), and/or a rebate (Try <a href="http://www.cashbaq.com/?refer=477227">Cashbaq </a>or <a href="http://www.ebates.com/rf.do?referrerid=umG0AMLlqiJ0%2BneSQlmhGg%3D%3D">Ebates</a>) and you have a pretty sweet deal on a whole mess of toys. </span></div><br />
<span style="color: black;"><strong>Do-It-Yourself</strong><br />
The most inexpensive method, of course, is the homemade method. I ran across a site called <a href="http://www.make-and-build-dog-stuff.com/homemade-dog-toys.html">Homemade Dog Toys</a> a while back but I haven't tried any of them myself, thought I plan to. Wanna go really cheap? Go to a thrift store or garage sale and get a pair of jeans, any size will do. Cut off the legs and tie a few knots in each leg and presto...two instant toys.</span><br />
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<span style="color: black;"><strong><span style="color: #cc0000;"></span></strong></span><span style="color: black;"><strong><span style="color: #cc0000;"></span></strong></span><br />
<span style="color: black;"><strong><span style="color: #cc0000;">Dog Training</span></strong><br />
There are a few options here, depending on the level of training your dog is currently at, and any behavioral problems you might be experiencing. </span><br />
<br />
<strong><span style="color: black;"></span></strong><br />
<strong><span style="color: black;">Coupons</span><br />
</strong>You could find a coupon for training. Petsmart had coupons a while back for $20 of their $109 training. (I used this and am currently at week 4 of 8)<br />
<strong><br />
<span style="color: black;">Private Instruction</span></strong><span style="color: black;"><strong><br />
</strong>You could go with a private instructor, which can be very expensive ($800+), but if there are some behavioral problems then it can be well worth every penny. They usually offer lifetime support as well, so if you ever have an issue you can call them up and have someone come out to help. Some private instructors are not as expensive, and charge per session. This may be a better way to go, since you control how much you spend and it isnt a large amount all at once. Still, I am most likely going to put my 2nd dog in private instruction instead of group instruction at Petsmart, simply becuase he has some barking and biting issues that need one-on-one help.</span> <br />
</div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-size: 0px;"></span></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><a href="http://2.bp.blogspot.com/_bTSy4dtrFNo/Sp2fvByuLnI/AAAAAAAAAEA/ub_3N01lrNo/s1600-h/dog+stay.jpg" imageanchor="1" style="clear: right; cssfloat: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" lk="true" src="http://2.bp.blogspot.com/_bTSy4dtrFNo/Sp2fvByuLnI/AAAAAAAAAEA/ub_3N01lrNo/s320/dog+stay.jpg" /></a><span style="color: black;"><span style="color: black;"><strong><span style="color: black;"><span style="color: black;"><strong></strong></span></span>Do-It-Yourself<br />
</strong></span>The most inexpensive method is the do it yourself method. Try a book from Cesar Milan (</span><a href="http://www.amazon.com/gp/product/0307337332?ie=UTF8&tag=inmyowwo0b-20&linkCode=as2&camp=1789&creative=390957&creativeASIN=0307337332">Cesar's Way</a><img alt="" border="0" height="1" src="http://www.assoc-amazon.com/e/ir?t=inmyowwo0b-20&l=as2&o=1&a=0307337332" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0px;" width="1" />). <span style="color: black;">Or try a DVD on dog training (</span><a href="http://www.amazon.com/gp/product/B001C4N5MI?ie=UTF8&tag=inmyowwo0b-20&linkCode=as2&camp=1789&creative=390957&creativeASIN=B001C4N5MI">Cesar Milan Dog Training DVD</a><img alt="" border="0" height="1" src="http://www.assoc-amazon.com/e/ir?t=inmyowwo0b-20&l=as2&o=1&a=B001C4N5MI" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0px;" width="1" />). <span style="color: black;">The best person to train your dog is you; After all, you are the one who will be pack leader. (Okay, its kinda obvious I am a Cesar Milan fan, but there are many, many other books and DVDs out there!)</span></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"></div><br />
<br />
Related Posts:<br />
1) <a href="http://www.moneyunder30.com/">Money under 30</a> writes about the <a href="http://www.moneyunder30.com/the-true-cost-of-pet-ownership">True Cost of of Pet Ownership</a><br />
2) <a href="http://www.wisebread.com/user/xin-lu">Xin Lu</a> at <a href="http://www.wisebread.com/">WiseBread</a> wrote a great article about <a href="http://www.wisebread.com/things-you-must-consider-before-you-get-a-pet">Things You Must Consider Before You Get a Pet<br />
</a>3) J.D. at <a href="http://www.getrichslowly.org/">Get Rich Slowly</a> questions if <a href="http://www.getrichslowly.org/blog/2009/03/07/the-high-cost-of-cats-and-dogs-are-pets-worth-the-money/">Pets are Worth the Money</a> (we all know they are!) <br />
</div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><br />
<span style="color: black;"><strong>What do you do to save money on your pet costs? Do you find some, more expensive methods of pet care, are worth the cost?</strong></span> </div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"></div><script type="text/javascript">
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<br />
<span style="color:black;">A while back, I was an avid Walgreens shopper...but not just any shopper. You see,<span style="font-size:130%;"> </span><span style="font-size:100%;"><span style="color:#6600cc;"><strong>I was a deal-seeking-mega-coupon-using-register-rewards-flipping savings whore.</strong></span> I was the person you hated to be behind in line. I would argue with the sales clerk (only if I knew I was right). I would call the corporate office if I was denied a valid deal (I received apologies from store managers). It was a real rush to walk out of the store with BAGS of stuff for a few dollars. Then I would keep what I wanted, and re-sell the rest at my next garage sale. Total money maker. That's what I thought at least.</span></span><br />
<br />
<span style="color:black;">Then I realized the problem with my evil genius plan. I was racing around town, between work and school and an hour long commute home, to buy crap that I would make a few dollars on. The time and energy I was consuming, not to mention money, was far more than I would make in the long run. I was getting home at midnight on a work night because I need to stop at the three 24-hour Walgreens on my way home, just to see if they had the correct items in stock to score the awesome deal I had read about online. Then there was the coupon printing, the forum searching, the Sunday paper coupon clipping, buying coupons online....all so I could spend my valuable free time running from store to store (literally running a few times). </span><br />
<br />
<span style="color:black;">I am not criticizing or judging those who do this. If you can handle it, then rock on! But most of the people I read about doing this are stay-at-home moms and college students. They probably have time to surf the web for the latest deal, print the coupons right away and make a quick dash to the store. I, on the other hand, couldn't keep up. </span><br />
<br />
<span style="color:black;"><strong><span style="color:#000066;">All and all....bravo to those who can handle it!</span></strong> </span><br />
<br />
<span style="color:black;">But for me, I would much rather spend my time outside of stores. Coupons are great, even better on the stuff you actually would buy, but using coupons to score $1 back (only redeemable in the store, of course) on a bottle of vitamins I neither need nor want....</span><span style="color:black;">Now, I rarely use coupons. I'm a little burnt out on them actually. I don't normally have the time to find them or clip them out of the Sunday inserts. They are a great money saving tool, but Ive only really been buying staples in an attempt to utilize everything in my pantry before I go "real" shopping again. Once I get back in the habit of grocery shopping I plan on using a list, and coupons if its not too much of a hastle, I mean its really free money after all. </span><br />
<br />
<span style="color:black;">For those who have read to this point and are confused, here are some excellent blogs on learning the ropes of flipping coupons:</span><br />
<br />
<span style="color:black;">Money Saving Mom's: <a href="http://www.moneysavingmom.com/money_saving_mom/2008/01/walgreens-101.html">Walgreens 101 </a></span><span style="color:black;"><br />
<br />
I Heart Wags: <a href="http://iheartwags.com/2008/09/wags-for-newbies.html">Wags for Newbies</a> (Also check out <a href="http://www.iheartriteaid.com/">IHeartRiteAid.com</a> and <a href="http://www.iheartcvs.com/">IHeartCVS.com</a>)<br />
<br />
</span><span style="color:black;"><a href="http://www.hip2save.com/">Hip2Save</a> always has the latest deals posted for all of the stores, not just Walgreens, but also Wal-Mart and Target.<br />
<br />
</span><span style="color:black;"><strong>How do you use your coupons, or do you even bother?</strong></span><span style="color:black;"><strong>What is your take on the whole super-savvy-coupon-shopping trend?</strong></span><br />
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<span style="color:black;">I am a 28 year old chick residing somewhere near Sacramento, California. I am brand-spanking-new to blogging. I have a full time gig that pays the bills, and I also go to graduate school in the evenings. My schedule is always busy, but not so busy that I can’t share my trials and tribulations with cyberspace. I have become addicted to finances after discovering the multitude of personal finance blogs out there. After filing bankruptcy four years ago I stayed away from credit cards and loans, but didn’t realize there was a whole other world of IRAs and High-Yield Savings Accounts. I think I jumped in too quickly back in October 2008, and I burnt out in June 2009. Now I’m ready to start all over again and hopefully this will make it a little more interesting. </span><br />
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I am in no way an expert in any subject I talk about. I have no background in finance. I attempt to be frugal, but it often backfires. I like to read and subscribe to many blogs and news feeds on personal finance, cooking, extreme frugality and dogs (I’m a huge dog lover, my dogs are my kids).<br />
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<strong><em><span style="color:#006600;">I am hoping the blog will:</span></em></strong><br />
<br />
<strong><span style="font-size:130%;">Give me accountability</span></strong> – I can’t exactly lie. Well I could but how depressing would that be.<br />
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<strong><span style="font-size:130%;">Make me rich</span></strong> – ok not really. But in a roundabout way it will, because my accountability will help me gain wealth which will make me rich in my own right.<br />
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I have attempted to start a blog in the past and failed miserably. I tried to do too much at once and adhere to posting daily. That was obviously an unreal expectation, and since I have no background in writing either, it was really difficult. So now, I’m posting when I feel like it, more likely about three times a week. I will try to keep my posts on topic, but I will throw in a random dog post (well that’s just me!).<br />
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My first task is to figure out my net worth…..<br />
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