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Archive for January, 2011

Roths fully funded for 2011!

January 8th, 2011 at 06:19 am

If you have followed my posts on the boards, you'll know that this past week, I decided to clean up some financial stuff. We had too much in cash accounts, well above what we needed for a comfortable emergency fund. I closed one money market account entirely (just over $2,700) and transferred $5,000 out of another.

I went online this morning and verified that both of those transactions had been completed and the money was in our checking account. Then I logged into Vanguard and fully funded both my Roth and DW's Roth for $5,000 each.

Never before have we maxed the Roths this early in the year - January 8. So that is crossed off the list of things to do in 2011. The focus now, along with all of the usual stuff, is going to be prepaying the mortgage. I don't think we'll be able to pay it off before our daughter goes to college, which would have been very nice, but we'll get pretty close.

December 2010 Survey Income

January 1st, 2011 at 08:27 am

For the newbies, I'm a family practice physician and get to do a lot of medical market research surveys, mostly online, occasionally by phone or in person. They can be tedious but pay well.

For the month of December 2010, I earned $789 which was quite good. That was my second best month of the year.

Despite a strong month, I was upset because I realized about a week ago that I had not gotten a check from the monthly study I do on my iPhone. I e-mailed them and they wrote back saying that I hadn't submitted sufficient data for the month to qualify for the payment. They spelled out the numbers they expect me to meet, but they had never given me those numbers before. They also didn't send any kind of warning during the month that I was not up to par. Had they done that, I would have had a chance to pick up the pace and earn the monthly check. So that cost me $150.

Still, a good month and a great year. This brought my total for 2010 to $7,478.75, well above my $5,000 goal.