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Net Worth – May 2008 May 31, 2008

Posted by pf in Net Worth Update.
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Well, another milestone achieved as we have finally surpassed $600K in net worth. I had eclipsed $500K in March 2007, and so it took me just a tad bit over a year to make the next one. I’ll take it. Unless the stock market takes off, I am not expecting to achieve the same kinds of gains I’ve had the last couple of months. Gains made possible by a perfect brew of stock market gains (feeling like I actually benefited from some of my investments made in January), year end bonuses, and tax refunds.

Now that we are in summer, we are engaged in the typical activities like yardwork, BBQ, and the ice cream man. As far as spending is concerned, although nothing exciting to report this month, we will have some fairly significant expenditures coming up very soon…not the least of which will be our property taxes. To that extent, I could actually see a drop…bah.

Anyway, let’s get into the thick of it:

Results at Networth IQ


2 Mo Ago Mar – 08 Last Month Apr – 08 This Month May – 08 Monthly Change Monthly Change %
Cash 152,888 144,405 152,461 8,056 5.58%
401(k)/IRAs 248,608 273,651 282,474 8,823 3.22%
Home 290,000 290,000 290,000 0 0.00%
Other Real Estate 130,000 130,000 130,000 0 0.00%
Total Assets 821,496 838,056 854,935 16,879 2.01%
Home Mortgage 123,675 122,909 122,139 -(770) -0.63%
Other Mortgage 107,054 106,716 106,445 -(271) -0.25%
Credit Card 13,280 9,754 3,532 -(6,222) -63.79%
Other 0 0 0 0 0.00%
Total Liabilities 244,009 239,379 232,116 -(7,263) -3.03%
NET WORTH 577,487 598,677 622,819 24,142 4.03%


  • In April I asked “may I order another please?” – the net worth gods delivered
  • Well into $600K territory…would like to reach $700K at a faster pace
  • Tax refund arrives
  • Playing “small ball” with credit cards…not carrying big balances
  • Summer has finally arrived


  • Won’t be greedy and ask again (although tempting)…stay the course!
  • Some significant expenses on the horizon (several thousand) – who took the punch away?
  • Investments remain on auto-pilot…focus on family and work
  • Stay cool!


1. Net Worth: How Am I Doing? « My Personal Finance Odyssey - May 31, 2008

[…] myself, my current net worth is slightly above where I need to be based upon this rule of thumb – so far so […]

2. Jim - March 23, 2009

Net worth is not what it used to be, economy has devastated many>

3. DeeSigno - April 13, 2009
4. munkeyslam - June 6, 2009

Hey, why aren’t you posting your net-worth for 2009 any longer?

5. Todd Pham - September 12, 2009

I like your site. However it looks like you’ve lost interest.

But why are you carrying a balance on credit cards when you have the cash to pay it off.

6. john g - September 18, 2010

4. munkeyslam – June 6, 2009

Hey, why aren’t you posting your net-worth for 2009 any longer?

He probably got wiped out with his house debt. It’s hard to talk when you’re underwater. glurgleblurgleblurg! Pride goeth before the fall, huh big guy?

7. Anony - November 22, 2010

Geez, some mean mofo commenters. Author had 50% equity back then, I doubt he got “wiped out”.

Still the “About” section says:

“1) Create a forcing function to hold myself accountable and actually DO the things that are needed to achieve my financial goals”

I can’t say the author is doing well on the accountability side. It’s persuing goals through adversity that would have made the blog interesting, not reaching some financial goal with a 10% clockwork ROI with little effort. I’d encourage the author to pickup the blog again, tell us what lessons were learned.

8. pfodyssey - May 24, 2011

Dear All,

This comment is from PFOdyssey. At some point during 2008, the time required to maintain the blog was more than I was willing to invest and discontinued writing. In fact, so much so I am no longer able to sign in to the account (thus the comment instead of post)! Of course, like most people, my stock portfolio and real-estate holdings saw significant declines during the period since my last post. At one point, I recall my stocks having lost approximately 50% of their value. However, as I have always done, I continued to plug away with regular contributions and remained fully invested in equities during this time. Similar to many, my portfolio has since rebounded and combined with the additional contributions, now sit at approximately $420K vs. $279K in July 2008 when I last reported on Networth IQ. Unfortunately, real-estate is another story…I believe my house is now only worth 240K vs. 290K and some land I had purchased is probably worth 60K vs. 130K. Due to some stock options and bonuses, my cash position has improved to approximately $230K vs. 160K. Overall, my networth has improved…but not by a significant margin when you consider the lost value in real-estate. With the exception of our mortgage, I otherwise remain debt free and continue to keep chipping away in hopes of achieving the elusive financial freedom I hope for myself and family. In terms of lessons learned, I find that I sometimes see the “signals”, but can not interpret them well enough to create action (e.g. who is buying all these houses? Where is the money coming from?). Had I been more adept at this, perhaps I would not have purchased the land. More recently, we had seriously considered upgrading to a larger house (and debt / tax obligation). Alas, after some deep soul searching, we have decided against this and wish to allocate our assets in such as way as to minimize our worries (e.g. sense of security) and maximize how we live our lives (e.g. travel, experiences, etc). Of course, our views may change as we age…but this is where we are at right now. Thanks to everyone who bothered to read the blog…I hope you were able to get something from it. My best wishes to all.

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when the net worth progresses there will be some kind of authorization for the worth to take place..,. for example in the new york times … in pakistan mosque bombings kill 13 ahead of political transfer , caribbean global group vows better protections for marine habitats…..and also by san francisco chronicle season of promise and promising future….

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23. marcus anthony bynum - November 26, 2013

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24. marcus anthony bynum - February 5, 2014

Follow the money by alan suderman… education issue hitting the streets february 21,.. david wilmot, one of d.cs most powerful lobbyists, and jeff thompson, the medicaid contractor and prolific politaical donor who is at the center of a federal investigation…film by peter karp the works in peter karps retrospective at studio gallery tend to fall into three categories- photographs , flat mixed – media assemblages…horoscope by christopher renstrom… gemini (may 20- june 19) you know what you need to do and youre ready to do it .. its time to take a running leap of faith…home of the week style in a world of details by lauren beale… carved and stenciled beams are among the old world touches in this spanish colonial revival home in westwood california… colorful , tiles abound in the kitchen and elsewhere. a breakfast room , a rotunda entry, a balcony and a sleeping porch add to the homes character…the raelian movement a religon that beliieves in u.f.osby riverfronttimes.com… deal me in by mark pilarski… rail city , siens, western village, grand sierra, harveys tahoe…casino….grand marshal dustin lance black by michael n. westley.. producer , screenwriterand director, won the academy award, and writers guild….norway oil fund questions negative bond yields by richard milne nordic corresspondent..the event of german, danish and swiss two year bond yields all being negative…market reports traders pile back intoyen amid fresh growth worries .. by alice ross the yen rose against other leading currencies as risk appetite faded following weak , growth figures from china that spurred concern about the health of the global economy…

25. marcus anthony bynum - February 5, 2014

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26. marcus anthony bynum - February 20, 2014

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27. marcus anthony bynum - February 20, 2014

more info on hotelcoupons.com … best western $69.99 red bliff c.a , comfort inn $71.99 1 king bed.. river bank inn $49.99 red bluff c.a, days inn $49 1-2 persons / 1 bed.. willows c.a.. super 8 $ 49.99 1 person corning california… priority club rewards quality inn $59.99 williams california… sunset inn- suites $35.99 1 bed 1-2 persons in-room microwave , high speed internet … w. Sacramento california…

28. marcus anthony bynum - February 20, 2014

ramada hotel – casino $35.99 , la quinta inn hotel $59.99 days inn hotel $31.99 1-2 people, 1 bed , 2 beds add $6 at reno, nv …. quality inn – suites $55.00 , days inn $39.00 , travel inn $30.00 at south lake tahoe c.a offers good till 3/15/14….

29. marcus anthony bynum - March 4, 2014

ftfm-investing in fixed income funding for sme … the search for credible ways to reduce reliance on banks is gathering pace, says brian bollen…the need for small – medium -sized companies to access new sources of finance is well reorganised globally. it seems that everywhere in the u.s it has become a financial crisis… mid market companies , are often striking. if driven by business needs rather than by arbitrage, it could be great news for the economy and for the investment community….asste class starts to feel the weight of its success.. high yield bonds . investors are widening their search for value in a tough scenario writes ian smith..ther is limited value left in distressed names which are a very small part of the European high yield universe today……also the news analysis.. shareholders beware when the majority stakes are high. governance, companies controlled by one large shareholder can be risky investments , finds steve johnson….minority investors in essar energy , an india-focused but London – listed oil refiner and power generator , have had a crash course in corporate governance…..the hunt for the next technology giant.. the big picture.. the developer of candy crush saga, the online game , filed for an intial public offering with the hope of raising more than $500, m while facebook recently bought whatsapp , the instant messaging application, for $19bn….

30. marcus anthony bynum - January 29, 2015

lets look at the result on a four year run from 2010 to 2015 4 to 5 year run on education , the answer is masters degree or phd degree it takes four years to put it together … an research analyst with the deutche bank from 2013 have European integrated oils supertanker grounded.. Big oil should appeal to those investing for multi- year total shareholder return.. The sector has de -rated as confidence in this thesis has been undermined… in profiting from big oil renaissance (sept 2011 ) we argued that the sector was undervalued….Also existential crisis is the boardroom of big oil… there should be ….big oil ” has not been a bad place for long term investors…

31. marcus anthony bynum - January 29, 2015

the research analyst , and equity research financial services / European insurance from august 2013 have zurich insurance group ag from underlying to bottom line … stabilizing earnings .. we upgrade zurich to equal weight to reflect:1 ) a moderately improving investment yield environment and outlook : and 2 more modest consensus estimates on reserve releases…(we downgraded zurich on these issues in our note downgrade on stretched expectations, 13 march , 2013.) company collected consensus suggest 2014 is just 3% above our price target to ch224 , which with the chf17 dividend puts the 12 – month total return in line with the sector….

32. marcus anthony bynum - January 29, 2015

u.s/ European insurance property reinsurance rates could weaken further in January 2014 .. property reinsurance rate decreases at January 1 would be consistent with our expectations . downward pressure on property catastrophe reinsurance pricing is driven by growing reinsurer capital positions due to low global insured catastrophe losses in 2013 … the best thing to do is find somebody that has 4 to 5 year degree masters or phd dealing with commodities class through the institute of trading portfolio management…..

33. marcus anthony bynum - January 29, 2015

the production of the entertainment of oil – gas have the family circus by bil keane how :bout we take a commercial break ? I’m kinda hungry … frank and ernest by bob thaves… I really wasn’t trying to be a wise guy . the teacher asked if anybody could give an example of a conditional phrase , and I said if you pay me…..

34. marcus anthony bynum - January 29, 2015

paper that is illustrated on oil fields gets produced by an producer that can keep the news running ….. just like the born loser by art sansom sometimes it seems as if you just can.t win no matter how hard you try! you’re too hard on yourself , chief you always do very well!……

35. marcus anthony bynum - January 29, 2015

I also have some resources offering 40 years combined local experience producing oil….

36. marcus anthony bynum - January 29, 2015

offering 40 years of combined experience does not add up to an 4 to 5 year run … also looking at the permits licenses , and copyrights on 40 years of combined experience….

37. marcus anthony bynum - February 13, 2015

got an email from starbucks.com the email address you have entered is already subscribed to the store . starbucks.com email newsletter…. the subscribtion is for royal English breakfast tea – jade citrus mint green tea…. the royal English breakfast black tea….

38. marcus anthony bynum - February 13, 2015

subscriptions to starbucks.com the email is already subscribed… for the royal english breakfast black tea , and jade citrus mint green tea…

39. marcus anthony bynum - February 13, 2015

lets look at jobs and career advice , top business books, bellytwins interview the name of the magazine is working world… they have featured articles by walt grassi such as five pillars to ensure you never stop learning … education is continuous… those who are determined and who work hard often spend a lot of time and effort to learn new skills and maintain their existing ones…

40. marcus anthony bynum - February 18, 2015

i looked at the mansion section in the newspaper from the wall street journal and it is about the homes with windows on the wild…and look at the real estate trends , build , create and build again, is the brio motto.. its included in each instructions, but as we sat there on the floor , surrounded by an endless array of wheels , blocks , and bricks..also you need to look at amy gamerman… she is writing about the gail morrision has gotton used to…the tour boats and kayakers who stop by her glass house on Sarasota bay —known locally the dolphin house ….

41. marcus anthony bynum - February 18, 2015

house call drawn to indias sweetness and spice .. today I live in a loft in new York , but I’m still emotionally attached to my grandparents home in Chennai, a town on indias southeast coast.. cozy city Padma Lakshmi at the park restaurant in manhattan… the tv host and cookbookauthor lives in new York but visits india, where she lived as a child and enjoys relative anonymity…

42. pfodyssey - March 27, 2015

This is pfodyssey. It has been almost 4 years since I last commented on this site. Like everyone, much has transpired (kids growing, now over 40) while much remains the same (still married, working, etc).

Today I surpassed $1M in net worth. I recognize this milestone is no longer the same as it used to be, particularly as I think about my longer term retirement goals of $2.5M or so. Nonetheless, it still provides me with a sense of accomplishment as I take a moment to reflect on my personal financial journey to this point. Of course, there is a long way to go (hopefully – stay healthy!) with many potential pitfalls along the way. Best wishes to everyone as they continue their own ‘personal finance odyssey’…

43. marcus anthony bynum - April 19, 2015

well the oil business is getting a bit tired there are lack of oil production education that you will be able to sign up for …. so now what you have to do is get the rich oil businessman to try to help get the right solutions on oil productions… why I say that is because the foreign exchange market is getting a high value of turmoil meaning a high value of uncertain….. my question is what are we supposed to do about turmoil through foreign exchange and oil and gas business…ther are schools that have resources like the American petroleum institute can get you to a ton of oil pdf files…

44. marcus anthony bynum - April 19, 2015

in Ardmore there are a lot of resources to get your business started… lets talk about the subject of the capital … many entrpreneurs need financial resources to start or expand a small business and must combine what they have with other resources of financing… these resources can include family and friends…look at a small business resource guide….

45. marcus anthony bynum - April 19, 2015

Also look at the certified development company loan program 504 loans … loans that are certified development programs for the economy help communities through business growth expansion and job creation… $5 million for business that create a certain number of jobs or improve local economy….

46. marcus anthony bynum - April 19, 2015

for foreign buyer eligibility … foreign buyers must be located in those countries where the export import bank of the u.s is not prohibited from providing financial assistance….

47. marcus anthony bynum - April 19, 2015

I hope to see people succeed in the oil business……

48. marcus anthony bynum - July 17, 2015

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49. marcus anthony bynum - February 1, 2016

global leaders By. alan r. Elliott .. The 2015 was good to china Horrible to brazil market … Winners and losers among global markets were maybe a bit surprising in 2015 . u.s markets puttered home , with the s&p 500 effectively flat the dow industrial down more than 1% and the nasdaq rising a bit less than 7%….

50. bynumforeigncurrency - August 26, 2016

the prince georges county sentiniel the news about the board of education welcomes student members ..

51. marcus anthony bynum - October 27, 2016

nice breakout , but no volume ? Wait for a late volume burst.. Nancy Gondo … When a stock breaks out of a proper base then there will be some big volume signals for serious institutional buying… What if a stock crosses the buying point , but in only average or below – average trade ? Does that still count for an valid breakout??? yes and no it depends on a general market trend ….Heavy volume increases the chance of a bigger advance , While one in light volume may lack the power to follow through…. Paul whitfield .. U.S stocks indexes coasted to moderate gains friday as payroll data reassured those who fear rate changes… The Nasdaq and S&P 500 each chalked up a 0.4% advance The IBD 50 rose 0.6%. The smaller cap S&P 600 pounced 1.2% higher to record high , while the dow utility average leapt 1.2%… Dullness , through , can mack significance . Distribution has sneaked higher .. The Distribution during the summertime was two on the Nasdaq and three on the S&P 500 …. Its now four and six respectively depsite losing a few because of time… How do investors handle the situation… The content of a portfolio will shape the tatics… Consider taking these steps…Lock in profits on stocks up more than 20 % from the buy point if your conviction in the stock isn’t high….Hannah roberts… More direct flights from regional financial centres such as singapore and Kuala lumpur have brought investors from Asia and Austrailia , as well as European expats , says thatcher helping property prices to rise about 10% a year for the past three years.. The most popular areas are around beaches of pai laem and choeng mon in the north east … As well as being near the nightlife of chaweng beach – a 3km strech of sand hosting many top resorts… The area is close to international schools and the airport.. Sothebys interntional real estate is selling an ultra modern four bedroom villa for bt46.8m thats 1.35m$ U.S dollars… stefan wagstyl .. Not any more .. As mr. merkel centre right cdu party flights for votes in the north eastern Mecklenburg Vorpommern reigon has went to the pols … The mild mannered former prostestant pastor says the refugee crisis has punctured Ms. merkel’s popularity even in her home district and made her a magnet for potential protest from anti immigration rightwing Alternative for Germany party…a year ago it would have been different… Minister on his main goal to build an islam of france respectful of republican values .. The islamic dress ..This has to be a fight over ideas .. We need to say things as they are that the veil means women’s subordination… French values .We believe citizens should contribute to the common interest by favoring reason , not the display of faith….

52. Marcus Bynum - January 22, 2017

whats up ?

53. Marcus Bynum - January 22, 2017

foreign governments concerned about climate change may change soon… Trump and republicans have the power to undercut california climate policies …. The Trump administration could reduce funds for the state vast research community – including two national labortories….Getting the source from the las vegas journal….

54. Marcus Bynum - January 22, 2017

Leading funds put the pedal to the metal with Gibraltar … The best performing stocks mutual funds the past three months have been slowly adding top – rated fabless chip stocks such as nvidia , a computer software firm such as paycom , and netease also made top funds buy list of computer firms networking….

55. Marcus Bynum - January 22, 2017

Bubbly finance and low inflation cause alarm… The politics of many advance countries may be unhinged , but there is an equally frightning disconnect in the worlds financial markets… Equity prices which represent claims on the proceeds of future growth ….

56. Marcus Bynum - January 22, 2017

The main residence is a 16, 462 square foot home with five bedrooms and eight baths it has a traditional world style masterful design and high – quality craftsmanship throughout , the one of a kind home showcase …..

57. Marcus Bynum - January 22, 2017

Labor cost hinders us garment industry Ivanka trump’s company which is privately held does not disclose its financial … Almost all of her goods are made overseas , according to a new york times review… source comes from the las vegas journal….

58. Marcus Bynum - January 22, 2017

Stock spotlight analysts …The calm movement of the stock markets the past few weeks has spawned a few three weeks tight patterns among the stock spotlight screen … this type of information appears after a stock has broken out to the new highs ,, and provide an opportunity for sharholders…to fatten up their winning position by adding an extra bit of shares , keeping in mind that stocks often are already well into their advance when three weeks tights come on the scene…

59. Marcus Bynum - January 22, 2017

In the three years to june , average prices for second – hand sales in regent park gained 5.2 % per cent a year… Years and have avoided the prime central london slowdown . In the three years to june , according to Land Registry data collected by savills , average prices for second hand salesin the ward of regents park… As earnings season winds down and the market continues to trade sideways , opportunities for profits may seem to be have dwindled , however , potential power can be found in stocks that resisted giving up ground after strong gains on positive Q2 results…

60. Marcus Bynum - January 25, 2017

I look at some payment sheets from the board of equalization for sales and use tax for one my hold permit accounts and saw some of the results… The results are payments to the 3 rd quarter of 2013 to 2015 payment amt… 3q2013= 6.63, 4q2013=34.00, 1q2014=14.36, 2q2014=25.00, and all others that i saw were fy2015 and they are =6.00, 5.00, 10.00, 5.00, 5.00, 10.00, 5.00, 50.00, from permit account 102429896……….

61. Marcus Bynum - January 25, 2017

payments from another permit account are 3q 2012= 0.55, 3q 2012= 2.00, 3q 2012=2.50, 4q 2012= 10.00, 4q 2012=1.00, 2q 2013= 44.00, 3q 2013= 6.63, 4q 2013= 18.86, 1q 2014= 14.36, 2q 2014= 25.00, 3q 2014= 45.00,4q 2014= 42.00, 1q 2015= 18.00 , 2q 2015= 45.00, 3q 2015= 0.39, 3q 2015=20.00, 3q 2015=5.00, 3q 2015=5.00 3q 2015=10.00, 3q 2015=15.00, 3q 2015=5.00, 3q 2015=1.00, 4q 2015= 25.00, 4q 2015= 30.00, 4q 2015=5.19, 4q 2015=5.00, 1q 2016=19.28, 1q 2016=14.00, 1q 2016=5.00 , 1q 2016= 15.00, 1q 2016= 5.00, 1q 2016= 5.00, 1q 2016= 5.00, 1q 2016= 10.00, 1q 2016= 20.00, 1q 2016= 5.00, 1q 2016= 5.00, 1q 2016= 5.00, 2q 2016= 27.06, 2q 2016= 10.00, 2q 2016= 10.00 , 2q 2016=9.00 now lets take a look at the 2q 2016= 1.00, 5.00, 4.00, 5.00, 1.00,1.00,1.00,5.00,3.00,5.00,5.00,5.00,0.72, and the 3q 2016=5.00, 10.00, 10.00, 5.00, 15.00, 5.00,9.00,5.00, 5.00, 5.00, 5.00,10.00 ,15.00, 5.00, 5.00.. the 4q 2016= 5.00 , 3.00, 10.00, 1.00, 10.00, 5.00, 10.00, 6.00

62. marcus anthony bynum - February 9, 2017

i went to las vegas and looked at a couple of articles such as the Big media presence CES will be a good place to see and be seen with 7,545 registered media members , 1,700 more than covered the olympic games … Several celebrities will be making appearances at booths and speaking including consumer advocate ,Ralph Nader….

63. marcus anthony bynum - February 9, 2017

Producers and advocates CES is among southern nevada’s major trade show that have advocates for the lvcva’s $1.4 billion expansion and renovation of the las vegas convention center . Technology whizzes have keynoted past ces’s since las vegas first hosted the show in 1978. Microsoft Bill gates holds the record for most keynote appearances in multiple venues…

64. marcus anthony bynum - February 9, 2017

Also those companies have boots on the ground in japan which some analysts are projecting to become a $25 billion market… They also were part of lobbying process to get the initial legislation … All three companies of those companies have proven track records in navigating foreign process to bring a resort to fruition… They haven’t flinched in some 22 percent tax rate in Singapore and the 39 percent rate in macau…

65. marcus anthony bynum - February 24, 2017

Adams state University in alamosa is struggling financially and in need of fast growth a situation of school leaders are addressing programs to boost enrollment and keep students from leaving school ….. Adams state University have to identify cost cutting and revenue… enhancement strategies to ensure its financial stability…28,00 enrollment generated between 900,000 and 3.6 million in operating cash….between the fiscal years 2009- 2015 Adams incurred capital expenditures totaling $98.7 million, which were funded almost entirely by state capital …Those capital investments improve the campus….

66. marcus anthony bynum - February 24, 2017

Colorado oil and gas conflict flared as hundreds of people packed Firstbank center on tuesday night hoping to kill – or at least tame ….a plan to drill 139 wells from four 8 acre pads near homes in broomfield …. The people extraction to oil & gas displayed a plan to with one pad within 500 feet of drinking – water reservoir and pointed to a recent Anadarko Petroleum blowout and sprayed more than 11,000 gallons of oil…..

67. marcus anthony bynum - February 24, 2017

Energy companies proposing to drill more and drill closer to people- face resistance from battlement Mesa on the western slope to neighborhoods… There located in greenly broomfield, and adams counties…

68. marcus anthony bynum - February 24, 2017

Scores rise slightly in PARCC second year ..Education : officials stress need for further improvement… by, cuneyt dil.. Just a little over a quarter of the city’s public schools students met or exceeded expectations on the standardized test..

69. marcus anthony bynum - April 4, 2017

I got another class from the crown copyright authority and got draft guidance consultation text begins on Monetary guidance 2.1 This section gives guidance on the use of monetary penalties by the office of financial sanctions implementations.. Part 1 : Introduction … The policing and crime act 2017 creates powers for hm treasury to impose monetary penalties. The office of financial sanctions implementations part of the treasury , applies these powers .. This guidance sets out what the powers are , how ofsi will use them , and your rights if a monetary penalty is imposed on you…

70. marcus anthony bynum - April 4, 2017

2. 1.3 in this guidance you will find an explanation of the powers given to ofsi in the 2017 act , a summary of our compliance and enforcement approach , an overview of how we will asses whether to apply a monetary penalty , and what we will take into account , an overview of the process that will decide the level of penalty , an explanation of how we will decide the level of penalty, an explanation of how we will impose a penalty, including timescales at each stage and your rights of review and appeal, a summary of our approach to publishing information about penalties we have imposed ..

71. marcus anthony bynum - April 22, 2017

so I went to las vegas for the new years and I saw that the review journal was very educational and there are articles that I saw and they seem to be going towards big time celebrities A major new threat t americans communities receiving at least as much coverage as global climate change- emerged in the form of clowns.. we continued to prove , that no matter how many times we are island prices head north ask the average Brition what they know about the Shetland islands and some might reply that is an island that is a land in which miniature ponies roam around free , others may recall that the unst, one of the islands is the most northern point in great Britain .One or two would perhaps admire the knitware..these sources come from the financial tie and las vegas journal..

72. marcus anthony bynum - April 22, 2017

And now finally , it is time for 2016 to go away ,But before it does , lets narrow our eyes down to slits and take one last squinting look back at this ridiculous year….Since 2003 , houses price in Shetland have more than doubled , an increase that outstrips any other region in scotland , and some London hot spots , according to bank of scotland

73. marcus anthony bynum - May 10, 2017

How many business are there ? according to the department for business energy and industrial strategy annual business population , report there were a number of 5.5m private sector business in britain at the start of 2016 …The total of 100,000 more than a year earlier …Such is that the growth is the gap between the number of business and babies being created in britain is shrinking fast… What is the benefit of forming a business UK plc goes about its business . I pay a visit to a long surviving company in England of wales called the ashford cattle market …Here are some of the financial business that may be able to help….

74. marcus anthony bynum - May 10, 2017

I looked at the fairfax county times paper and saw that there were a few articles that had been enjoying the facets of show business – being a teacher , being a guitar repair person , and pretty much working a full time job at a studio , and had forgotton how much fun it really was ..Atkins honored Emmanuel to be a certified Guitar player putting him in a elite company . Atkins died the last recording was over the world…

75. marcus anthony bynum - May 10, 2017

While I was in Denver Colorado there were people working on the bank work program …The bank work program is a secure job offer plan to ramp up to two sessions per quarter …Its all part of a five year 4 million dollar national rollout ,and it started in los angeles in 2006 by the family foundation of former wells fargo cheif operator les biller ..With funding from U.S bank and wells fargo bank works will expand to four … Colorado bankers association . people get promoted out of postions they get promoted to other businesses and some plans change very fast…

76. marcus anthony bynum - May 15, 2017

Hollywood goes choral iv… They’re a group of some of the best brass players in washington d.c , along with the three percussionist .. This time we,ve done , Hollywood goes choral with thw washington symphonic brass , said mears …We enjoy working with each other , we kind of have a mutual admiration for one another…Investors could toast the third quarter , the strongest of the year of 2016… Bond investors see risk and volatility ahead…How to read buys& sells ever wonder if the inveastment proffessional know something you don’t about your stock ,,,,

77. marcus anthony bynum - May 15, 2017

Hunger sends food stocks higher.. I looked at the denver post and great feedback about on U.S indexes at record levels after rising times in 10 days gains go makers of household goods….By Marley jay and the associated press …Companies that make packaged foods , everyday household items and other consumer goods are usually seen as stable investments…

78. marcus anthony bynum - June 13, 2017

breakfast grains bowls with caramelized bananas Investors could toast the third quarter , the strongest of the year ,The broad market advanced despite barely breaking even… The company has done a great job managing inventories…you would wonder that the entertainment is undergoing a permanent realignment…Make ignorance great again Donald trump just took us out of the paris climate accord for no good reason …

79. marcus anthony bynum - June 19, 2017

I was at a small business class and surety bond guarantee program is a public – private partnership between the federal government and surety companies to provide small businesses with bonding assisstance necessary for them to compete for public and private contracting …Also small business investment company program was founded in 1958 is one of the financial assistance programs available through the U.S small business administration territories and the district of columbia….but sba is around in the U.S…

80. bynumforeigncurrency - August 19, 2017

I looked at the article and got slot of venue on a cautious security market enterprise will continue to invest in new cloud and oriented products on virtual appliance , and security as a service to products and new functionality, such as cash, said on a Goldman Sachs analysts, in a report. We think incumbent vendors will pick up the pace in investing..

bynumforeigncurrency - August 19, 2017

There is a cooperate, regroup says Carol Zimmerman sister Carol said Congress can now turn a page and open a new chapter stressing that the country deserves a health care bill that gives quality and affordable healthcare to everyone a bill would not help 18 million more people uninsured within a year, and 32 million fewer people would have coverage in 2026 , compared with the number of those insured under the current law…

81. bynumforeigncurrency - August 19, 2017

Certified development company loan program 504 helps communities through business expansion and job creation… The working capital line program is a revolving line of credit up to 5,000,000 that provides short term working capital. These lines of credit are generally used by business that provide creditor there customer, or whose principle asset is inventory… By sea management…

bynumforeigncurrency - August 19, 2017

7a loans are made by participating lenders, banks, credit unions, and non bank lenders using their own capital provides the lender a guarantee, usually 75% of the loan amount, which enables the lenders to expand the lenders to expand their business lending 504 in the California area seats bay area development Co., California coastal rural development Corp, CD small business finance, and tmc financing…

82. marcus anthony bynum - September 19, 2017

I also looked at the finances from wells fargo bank and saw that there are a few of good returns …. A good return come from a customer satisfaction credit … 9000434 + 105.00 pending from the wells fargo bank , but there has been money issued from that bank due to the overdraft services charged from that bank …..say if you get a loan from the payday loan place and then go to another bank that you have to pay it back , but is not the bank that you applied the loan on you would expect that you could get some of your service charge reduced from that bank… …Now this customer satisfaction credit come from wells fargo bank is an in store vision platform….

83. marcus anthony bynum - October 5, 2017

I went to las vegas small business administration office and saw a lot of resources that I could have it’s about the casino center in the downtown area of las vegas….Lets look at reaching underserved communities …The encore entrepreneurs with their range of life experiences and their tendency to have more disposable income , entrepreneurs age 50 and older are one of the fastest growing groups of business owners , to help meet the needs of encore entrepreneurs… SBA and AARP have joined forces to mentor , councel , and educate americans age 50 and over on how to start or grow a small business ….Now here is a question people been around for 50 + years and don’t have business comes pass my subject in mid life crisis on another page in my book…

84. macus anthony bynum - October 5, 2017

There still more on SBA they have a partnership and collaborate with on a 50+ population to small business development resources , including online courses , webinars , live workshops , conferences , and mentoring activities . For additional information , visit http://www.sba.gov/encore... I Also looked at the certified development loan program 504 loans … the 504 loan are economic development programs that support americans small business growth and helps communities through business expansion and job creation .. the 504 loan program provides long term , fixed rate , subordination mortgages financing for acquisition and or renovation of capital assets …

85. marcus anthony bynum - October 5, 2017

The small business administration can help even women business owners Women entrepreneurs are changing the face of americas economy .. In the 1970’s women owned less than 5% of the nations businesses … Today they are a majority a third of the nations small business and are at least equal owners of about half of all small business , SBA serves women entrepreneurs nationwide through its various program and services which are designated for women….

86. marcus anthony bynum - November 8, 2017

I went back to las vega’s and saw that there was some more business to take care of, and went through a couple of pages and got disappointed , because of the lack of supplies to really get the ball going on business intelligence …. Who has the business intelligence company is microstrategy ……. The leader of business intelligence…There’s a new program from the office of sba cleveland district, and it went to new and existing veteran – owned business that will provide useful information to help your business and small business administration backed loans . position your business to sell products and services to federal and state government agencies … celebrate your moment that matters this national veterans small business week…..

87. marcus anthony bynum - December 6, 2017

Now I’m looking at the profit and loss projection .. You’ve looked at the projection prediction on actually knowing when how much you will collect from the customers… On the expensive side , you have previously projected the exspense and wrote out something to pay those bills….and most items will be the same on profit and loss projection. rent and utility need to transcript , and insurance and someother type taxes payable…….

88. pfodyssey - March 28, 2018

Dear All,

Not so long ago, I mentioned to my kids that for a short time, I kept up a blog on personal finance (this one). Feeling nostalgic, I decided to look back on this blog and post another update (have not done so since 2015). Positively, I have managed to remain continuously employed during this time and fortunate enough to have sufficient income to continue my contributions to my 401k, Roth IRA, etc. Combined with the returns on those investments, my current net worth is now $1.4M. Of course, everyone has continued to grow older! I am still married and we are looking forward to our first child beginning college. In earlier posts, I also mentioned how we had purchased some land and struggled with the decision to build a larger house. We kept our parcel through the financial crisis and FINALLY decided to go ahead and build the house we wanted. While the decision still bothers me from a financial standpoint (mortgage and taxes are considerably higher than before)…we are happy. Wishing everyone the very best as always! Until next time…

89. marcus anthony bynum - April 17, 2018

I looked at different small business pages and saw that there were some more resources on women – owned federal contract program and there are as of October 7, 2010 to February 4, 2011 ther are aimed at expanding federal contracting opportunities for women owned business …There are for wosb or economically disadvantage self certification for large prime subcontracters business plan outline is written by the owner of the business with outside assistance as necessary ….

90. marcus anthony bynum - April 19, 2018

I got back to small business administration in Atlantic City and saw a few more resources to get business going a financial business plan assistance requirements business plan , brief history , certificate of incorporation / business registration , financial statement 3 years if available , personal financial statement… etc

91. marcus anthony bynum - April 27, 2018

When i looked at the small business administration keyword class i started thinking about taking webinars some of the computer webinars are Sharing your business story through video…., the power of pricing…., fix your business….,,, and how the new tax cut and jobs act impact your small business……

92. marcus anthony bynum - February 22, 2019

While the government shutdown was in effect there were some webinars from score small business administration that I attended they were 1. Lean canvas : create your business plan Quickly..2. The power of tiny marketing actions..3. Maximizing after – tax profits on your 2018 return.. 4. Startup shortcuts- 10 ways to jumpstart your small business ..5. Little changes , big results in small business.6.Key steps to develop and evaluate your business idea..7.how to make your first $500 k in sales : Harness your untapped resources .. 8. Financing tips to help your small business…

93. marcus anthony bynum - March 31, 2019

I got new temporary business license owner name marcus a Bynum trade name exchange of commodities issue date 03/20/2019 location address 1577 springhill road Vienna , va 22182 license number 19-exch temporary license good for 75 days business , professional , & Occupational license…bpol from the county of Fairfax , Virginia license year 2019…..

94. marcus anthony bynum - March 31, 2019

Trump has incredible numbers… President Donald trump was pleased with the U.S economy as the country nears election Day ..Unemployment rate at 3.7 % wages up ! These are incredible numbers .. Keep it going , vote republican trump tweeted…

95. marcus anthony bynum - March 31, 2019

U.S economy looks strong heading into congressional elections.. …For the U.S economic expansion now in its 10th year , hiring remains robust.. Growth has been picked up and the outlook is a mostly bright one on the eve of congressional elections…The government reported that they added 250,000 jobs in October and that unemployment will remain 3.7% the lowest level in 50 years… Pay also rose to a healthy level… More jobs pay means more people working …With the unemployment rate so low many economist have expected a decline while business face a dwindling supply of unemployed people ….Monthly hiring is above pace of 2017…

96. marcus anthony bynum - April 13, 2019

atlantic city gaming regulators have fined hard rock hotel & casino atlantic city for failing to follow regulations and procedures …The new jersey division of gaming enforcement levied a $5,000 fine against the casino hotel for failing to notify or petition regulators in respect to the employment of a marketing executive .The division issued the fine after hard rock did not properly petition for qualification or notify regulators of the appointment of mann liens as the property vice presdent of Asian marketing , as required by the casino control act…..

97. marcus anthony bynum - April 13, 2019

I took more small business classes and they were cool… I’m down here by the license department in Virginia… the webinars are 1.Ask the cpa 2019 – tax advice for small business..2. How the new tax cuts and jobs act impacts your small business…3. Practical strategies for starting a successful business…4. Pictures speak louder than words : Visual content strategies for small business….5. Lean canvas : create your business plan quickly..6. Create a powerful and practical pr strategy for your small business…7. 3 ways to boost your bottom line…8. What small business owners should stop doing to stay sane….

98. marcus anthony bynum - June 11, 2019

More small business webinars 8 more from the month of may they are….1. making sense of online marketing: a simple checklist for success..2. How to do business with the federal government..3. Mastering control of your cashflow..4. Disaster happen :how to prepare your business and recover..5. The U.S economic outlook and its impact on small business 6. S.B.A funding programs explained.7. culture imperative : drive growth with customer obsession.8..Creating effective online ad..

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