2million's Personal Finance Blog

My Journey to Financial Freedom

January 5, 2009

December 2008 Net Worth Update (+$6,322)

What a suprise! We ended December up $6k. December was a very big month for us as we purchase our new home and with the wild ride on Wall Street I expected our investments to be down, but they ended...
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January 7, 2009

Investment Performance December 2008(+1.76%)

This is an ongoing monthly update on how our equity investments are performing. Please see this background on the investment tool I developed and how I am using it to track our performance against a benchmark to measure our progress...
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January 9, 2009

Rohm & Haas Arbitrage Opportunity

Another arbitrage opporunity similar to the Anheuser Busch deal is worth noting. Last year Dow Chemical announced that it had agreed to purchase Rohm & Haas in an all cash deal at $78/share. Dow had already secured short term financing...
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January 12, 2009

Bought Baby Furniture on Craigslist

My wife and I recently made another big acquisition - we purchased a changing table and a crib in preparation for our upcoming arrival. We started our furniture purchase by looking at several major retailers like Babies R Us,...
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January 14, 2009

Switched My Wachovia Express Checking Account to No Fee

About a year ago I published a post detailing a service fee my Wachovia charged me because I had too many teller transactions in a month. My Express Checking Account allows me 2 teller assisted transactions per month and any...
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January 16, 2009

Lowes 10% Coupon inside the USPS Change of Address Pack

My wife picked up some change of address forms at the Post Office yesterday for us. The 2009 Change of Address Form Packs now include an actual 10% off Lowes Coupon inside the pack. Previously only a mailer was included...
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January 19, 2009

Reduce Home Energy Costs by Sealing Electrical Outlets

On the first cold night after we moved into our new home I quickly noticed cold air blowing out of our 1st floor electrical outlets. My father suggested buying foam sealers for the electrical outlets and using the foam cut-out...
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January 21, 2009

3 Errors Ernst & Young Made on Our Income Taxes

We are finally getting ready to file our 2007 income taxes. Its been a long time in the making, but we finally got an initial cut at our tax return a couple weeks ago from Ernst & Young. EY was...
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January 23, 2009

Cutting Heating/Energy Expenses Around the House

Since we moved into our new home I have spent a bit of time focusing on reducing the heating/energy consumption of the house. The house was ripe with opportunity: I repaired weatherstripping around the exterior doors to ensure there was...
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January 26, 2009

Closing Costs from HUD Statement

Here are the settlement charges for the new mortgage when we purchased House #4: Settlement Charges   801 Origination Fee (1.0%) $2,416.00 803 Appraisal Fee $ 100.00 804 Credit Report $ 8.89 805 Flood Certification Fee $ 11.00 806 Commitment...
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January 30, 2009

2008 Economic Stimulus Payment is now the Recovery Rebate Credit

Good news, we still get our economic stimulus payment. It dawned on me the other day that I just submitted our 2007 income tax return, and we needed to file our 2007 return to be eligible for the stimulus payment....
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