02/28/1998 27.97 # (/ (* (+ 3594.47 2104.29) 0.0589) 12)27.97141366666667 [1] 03/31/1998 26.35 # (/ (* (+ 3210.05 2104.29) 0.0595) 12)26.35026916666667 05/31/1998 22.40 # (/ (* (+ 2416.23 2117.12) 0.0593) 12)22.40230458333333 06/30/1998 19.77 # (/ (* (+ 2045.14 2117.12) 0.0570) 12)19.770735 07/31/1998 22.94 # (/ (* (+ 2729.94 2117.12) 0.0568) 12)22.94275066666667 08/31/1998 16.40 # (/ (* (+ 1435.80 2117.12) 0.0554) 12)16.40264733333333 09/30/1998 10.25 # (/ (* (+ 235.84 2130.46) 0.0520) 12)10.25396666666667 10/31/1998 11.11 # (/ (* (+ 530.97 2130.46) 0.0501) 12)11.11147025 11/30/1998 15.80 # (/ (* (+ 1481.57 2130.46) 0.0525) 12)15.80263125 12/31/1998 16.07 # (/ (* (+ 1668.65 2143.88) 0.0506) 12)16.07616816666667 01/31/1999 19.61 # (/ (* (+ 2417.90 2143.88) 0.0516) 12)19.615654 02/28/1999 19.06 # (/ (* (+ 2103.41 2157.39) 0.0537) 12)19.06707999999999 03/31/1999 21.38 # (/ (* (+ 2441.34 2157.39) 0.0558) 12)21.3840945 04/30/1999 16.79 # (/ (* (+ 1473.30 2157.39) 0.0555) 12)16.79194125 05/31/1999 19.70 # (/ (* (+ 1911.40 2157.39) 0.0581) 12)19.69972491666666 06/30/1999 31.20 # (/ (* (+ 4041.80 2157.39) 0.0604) 12)31.20258966666667 07/31/1999 29.79 # (/ (* (+ 3821.41 2157.39) 0.0598) 12)29.79435333333333 08/31/1999 42.57 # (/ (* (+ 6231.29 2184.22) 0.0607) 12)42.56845475 09/30/1999 45.36 # (/ (* (+ 6783.54 2184.22) 0.0607) 12)45.36191933333333 10/31/1999 55.15 # (/ (* (+ 8388.08 2184.22) 0.0626) 12)55.152165 11/30/1999 64.59 # (/ (* (+ 10419.39 2184.22) 0.0615) 12)64.59350124999999 12/31/1999 70.29 # (/ (* (+ 11098.07 2184.22) 0.0635) 12)70.28545124999999 03/31/2000 65.41 # (/ (* (+ 10789.63 2184.22) 0.0605) 12)65.40982708333333 04/30/2000 40.69 # (/ (* (+ 6161.63 2184.22) 0.0585) 12)40.68601875 05/31/2000 38.13 # (/ (* (+ 5254.97 2184.22) 0.0615) 12)38.12584875 06/30/2000 40.67 # (/ (* (+ 5948.26 2281.46) 0.0593) 12)40.668533 07/31/2000 45.03 # (/ (* (+ 6954.64 2281.46) 0.0585) 12)45.02598750000001 08/31/2000 41.99 # (/ (* (+ 6527.57 2281.46) 0.0572) 12)41.98970966666666 09/30/2000 37.98 # (/ (* (+ 5535.40 2281.46) 0.0583) 12)37.97691149999999 10/31/2000 43.17 # (/ (* (+ 6649.80 2281.46) 0.0580) 12)43.16775666666667 11/30/2000 42.72 # (/ (* (+ 6588.69 2281.46) 0.0578) 12)42.72455583333333 12/31/2000 44.47 # (/ (* (+ 7438.73 2281.46) 0.0549) 12)44.46986924999999 01/31/2001 49.62 # (/ (* (+ 8467.05 2281.46) 0.0554) 12)49.62228783333332 02/28/2001 49.00 # (/ (* (+ 8507.63 2281.46) 0.0545) 12)49.00045041666667 03/31/2001 55.12 # (/ (* (+ 10105.59 2281.46) 0.0534) 12)55.1223725 04/30/2001 62.82 # (/ (* (+ 11061.21 2281.46) 0.0565) 12)62.82173791666666 05/31/2001 63.47 # (/ (* (+ 10895.39 2281.46) 0.0578) 12)63.46849416666666 06/30/2001 27.34 # (/ (* 5675.45 0.0578) 12)27.33675083333333 [2] 07/31/2001 25.78 # (/ (* 5352.07 0.0578) 12)25.77913716666666 08/31/2001 16.99 # (/ (* 3789.78 0.0538) 12)16.990847 [3] 09/30/2001 13.09 # (/ (* 2920.42 0.0538) 12)13.09321633333333 10/31/2001 13.57 # (/ (* 3027.30 0.0538) 12)13.572395 11/30/2001 8.89 # (/ (* 2135.63 0.0500) 12)8.898458333333334 [4] 12/31/2001 20.12 # (/ (* 4827.95 0.0500) 12)20.11645833333333 [5] 01/31/2002 23.44 # (/ (* 5625.05 0.0500) 12)23.43770833333333 02/28/2002 15.67 # (/ (* 3760.84 0.0500) 12)15.67016666666667 03/31/2002 21.35 # (/ (* 5123.70 0.0500) 12)21.34875 04/30/2002 16.51 # (/ (* 3961.58 0.0500) 12)16.50658333333334 05/31/2002 20.70 # (+ (/ (* (+ 2065.26 1029.11) 0.04875) 12) 8.13)20.700878125 [6] 06/30/2002 26.70 # (+ (/ (* (+ 2039.39 2531.04) 0.04875) 12) 8.13)26.697371875 07/31/2002 16.74 # (+ (/ (* (+ 1387.98 731.04) 0.04875) 12) 8.13)16.73851875 08/31/2002 25.87 # (+ (/ (* (+ 2330.34 536.03) 0.04375) 12) 15.42)25.87030729166667 [7] 09/30/2002 28.89 # (+ (/ (* (+ 2156.78 1537.56) 0.04375) 12) 15.42)28.88894791666667 10/31/2002 28.89 # (+ (/ (* (+ 3660.12 539.67) 0.04375) 12) 15.42)30.731734375 11/30/2002 33.44 # (+ (/ (* (+ 1866.03 540.26) 0.04) 12) 25.42)33.44096666666667 [8] 12/31/2002 39.19 # (+ (/ (* (+ 1588.93 2542.00) 0.04) 12) 25.42)39.18976666666667 01/31/2003 43.74 # (+ (/ (* 5494.86 0.04) 12) 25.42)43.7362 [9] 02/28/2003 52.17 # (+ (/ (* 3283.43 0.03875) 12) 41.57)52.17274270833333 [10] 03/31/2003 54.42 # (+ (/ (* 3978.24 0.03875) 12) 41.57)54.4164 04/30/2003 57.12 # (+ (/ (* 4815.07 0.03875) 12) 41.57)57.11866354166666 05/31/2003 55.25 # (+ (/ (* 1530.04 0.03625) 12) 50.63)55.25199583333334 [11] 06/30/2003 53.92 # (+ (/ (* 1088.16 0.03625) 12) 50.63)53.91715 07/31/2003 51.77 # (+ (/ (* 376.71 0.03625) 12) 50.63)51.767978125 08/31/2003 64.59 # (+ (/ (* 3941.74 0.0425) 12) 50.63)64.59032916666666 09/30/2003 71.76 # ((4966.86 * 0.0425) / 12) + 54.17 = 71.76096250000000000000 [12] 10/31/2003 79.18 # ((7061.48 * 0.0425) / 12) + 54.17 = 79.17940833333333333333 11/30/2003 82.28 # ((3934.89 * 0.0425) / 12) + 68.34 = 82.27606875000000000000 [13] 12/31/2003 86.00 # ((3988.15 * 0.0425) / 12) + 71.88 = 86.00469791666666666666 [14] 01/31/2004 94.54 # ((6397.45 * 0.0425) / 12) + 71.88 = 94.53763541666666666666 02/29/2004 95.78 # ((3172.14 * 0.0400) / 12) + 85.21 = 95.78380000000000000000 [15] 03/31/2004 98.07 # ((2859.13 * 0.0400) / 12) + 88.54 = 98.07043333333333333333 [16] 04/30/2004 101.20 # ((3798.47 * 0.0400) / 12) + 88.54 = 101.20156666666666666666 05/31/2004 88.54 06/30/2004 88.54 07/31/2004 88.54 08/31/2004 88.54 09/30/2004 88.54 10/31/2004 88.54 11/30/2004 88.54 12/31/2004 88.54 01/31/2005 88.54 02/28/2005 101.88 # ((4002.93 * 0.04) / 12) + 88.54 = 101.88310000000000000000 [17] 03/31/2005 101.92 # ((4012.58 * 0.04) / 12) + 88.54 = 101.91526666666666666666 04/30/2005 146.65 # ((47126.62 - 3130.98) * 0.04 / 12) = 146.65213333333333333333 [18] 05/31/2005 138.89 # ((45157.27 - 3488.93) * 0.04 / 12) = 138.89446666666666666666 06/30/2005 140.35 # ((45897.00 - 3792.54) * 0.04 / 12) = 140.34820000000000000000 07/31/2005 142.39 # ((46923.41 - 4207.61) * 0.04 / 12) = 142.38600000000000000000 08/31/2005 151.03 # ((50057.48 - 4748.10) * 0.04 / 12) = 151.03126666666666666666 09/30/2005 161.40 # ((53538.79 - 5118.35) * 0.04 / 12) = 161.40146666666666666666 10/31/2005 175.86 # ((58069.33 - 5311.06) * 0.04 / 12) = 175.86090000000000000000 11/30/2005 190.66 # ((62962.21 - 5763.63) * 0.04 / 12) = 190.66193333333333333333 12/31/2005 202.06 # ((66559.31 - 5940.04) * 0.04 / 12) = 202.06423333333333333333 01/31/2006 212.36 # ((70131.69 - 6425.15) * 0.04 / 12) = 212.35513333333333333333 02/28/2006 211.67 # ((70542.71 - 7043.16) * 0.04 / 12) = 211.66516666666666666666 03/31/2006 226.76 # ((75689.19 - 7660.33) * 0.04 / 12) = 226.76286666666666666666 04/30/2006 229.02 # ((78150.56 - 9444.25) * 0.04 / 12) = 229.02103333333333333333 05/31/2006 241.49 # ((81944.15 - 9498.41) * 0.04 / 12) = 241.48580000000000000000 06/30/2006 238.98 # ((81412.11 - 9718.72) * 0.04 / 12) = 238.97796666666666666666 07/31/2006 256.26 # ((86971.82 - 10095.31) * 0.04 / 12) = 256.25503333333333333333 08/31/2006 263.47 # ((89893.23 - 10853.37) * 0.04 / 12) = 263.46620000000000000000 09/30/2006 280.26 # ((95304.24 - 11225.04) * 0.04 / 12) = 280.26400000000000000000 10/31/2006 288.49 # ((98462.89 - 11917.25) * 0.04 / 12) = 288.48546666666666666666 11/30/2006 294.00 # ((100768.17 - 12569.09) * 0.04 / 12) = 293.99693333333333333333 12/31/2006 316.96 # (((106527.76 + 1654.60) - 13095.07) * 0.04 / 12) = 316.95763333333333333333 [19] 01/31/2007 323.08 # (((111189.53 + 3168.65) - 17434.07) * 0.04 / 12) = 323.08036666666666666666 02/28/2007 324.59 # (((97388.30 + 3205.32 + 13762.64) - 16978.31) * 0.04 / 12) = 324.59316666666666666666 [20] 03/31/2007 325.47 # (((105368.85 + 1542.30 + 8300.25) - 17571.49) * 0.04 / 12) = 325.46636666666666666666 04/30/2007 341.41 # (((104466.30 + 4553.21 + 11553.16) - 18149.24) * 0.04 / 12) = 341.41143333333333333333 05/31/2007 356.21 # (((109763.98 + 4928.85 + 10983.24) - 18812.03) * 0.04 / 12) = 356.21346666666666666666 06/30/2007 361.51 # (((111045.68 + 5288.20 + 11027.88) - 18909.53) * 0.04 / 12) = 361.50743333333333333333 07/31/2007 348.75 # (((113022.65 + 4819.44 + 5052.49) - 18269.74) * 0.04 / 12) = 348.74946666666666666666 08/31/2007 344.19 # (((111695.27 + 4842.29 + 5052.49) - 18332.21) * 0.04 / 12) = 344.19280000000000000000 09/30/2007 302.23 # (((109726.14 + 79.13 + 70.85) - 19206.54) * 0.04 / 12) = 302.23193333333333333333 10/31/2007 307.39 # (((111975.37 + 108.81 + 71.12) - 19937.54) * 0.04 / 12) = 307.39253333333333333333 11/30/2007 307.14 # (((111882.80 + 124.40 + 71.38) - 19937.54) * 0.04 / 12) = 307.13680000000000000000 12/31/2007 322.57 # (((98789.19 + 6396.16 + 95212.74 + 62117.42) - 117000 - 30000 - 18743.25) * 0.04 / 12) = 322.57420000000000000000 [21] 01/31/2008 336.81 # (((130441.39 + 3224.65 + 74876.10 + 62336.90) - 117000 - 30000 - 22835.48) * 0.04 / 12) = 336.81186666666666666666 02/29/2008 309.79 # (((116182.42 + 5529.10 + 77887.38 + 62566.31) - 117000 - 30000 - 22228.90) * 0.04 / 12) = 309.78770000000000000000 03/31/2008 249.01 # (((145443.83 + 58.65 + 36193.82 + 62747.83) - 117000 - 30000 - 22741.02) * 0.04 / 12) = 249.01036666666666666666 04/30/2008 340.64 # ((255480.38 - 130000 - 23289.28) * 0.04 / 12) = 340.63700000000000000000 [22] 05/31/2008 340.64 # ((255480.38 - 130000 - 23289.28) * 0.04 / 12) = 340.63700000000000000000 # ((balances - 130000 - roth_ira) * i) / 12 # [1] comments used to be interspersed among the data, but i've # discovered that this causes gnuplot to leave gaps in the line, # so they're now all at the bottom. # 11/19/2001: # (/ (* savings i) 12) # savings: get from bank statements # i = current annual interest rate of long-term u.s. treasury bonds # 12 = months # # i'll ignore my domini fund here, and consider that money already # spoken for, not available for investment elsewhere. # # up through the closing of the mannington account, these are: # (/ (* (+ baltimore_accounts mannington_account) i) 12) # several statements are missing from the mannington account, so i've # just repeated the balance as necessary. # # interest rates are obtained from # http://www.neatideas.com/data/data/GS30.htm # cant' find the 4/1998 statement... #04/30/1998 # (/ (* (+ baltimore_accounts 2104.29) 0.0592) 12) # can't find these statements... #01/31/2000 # (/ (* (+ baltimore_accounts 2184.22) 0.0663) 12) #02/28/2000 # (/ (* (+ baltimore_accounts 2184.22) 0.0623) 12) # [2] the mannington account closed 6/22/2001, so now: # (/ (* baltimore_accounts i) 12) # [3] hmmmm... let's get our interest rate data from # http://www.publicdebt.treas.gov/of/ofrespr.htm instead. # [4] gah! http://www.treas.gov/press/releases/po749.htm -- they've # stopped issuing 30-year bonds. # [5] i opened a domini money market account, so cash from there will # be included in my list of accounts now. # [6] i invested in my first federal note this month, so i'll now include # actual investment income in addition to potential income: # (+ (/ (* (+ checking dominimm) i) 12) investment_income) # i have $2,000 in a 4-7/8% note, so the first investment_income # figure will be $8.13. # [7] i put $2,000 into a 4-3/8% note this month (which will earn $7.29/month), so: # 1. the investment_income amount will now be $15.42. # 2. i'll now use 0.04375 as i. # [8] i put $3,000 into a 4% note this month (which will earn $10/month), so: # 1. the investment_income amount will now be $25.42. # 2. i'll now use 0.04 as i. # [9] woohoo! gnucash has an "account summary" report with a "current # assets" line, so i'll just start plugging that number in: # (+ (/ (* (+ current_assets) i) 12) investment_income) # [10] i put $5,000 into a 3.875% note this month (which will earn # $16.15/month), so: # 1. the investment_income amount will now be $41.57. # 2. i'll now use 0.03875 as i. # [11] i put $3,000 into a 3.625% note this month (which will earn # $9.06/month), so: # 1. the investment_income amount will now be $50.63. # 2. i'll now use 0.03625 as i. # [12] i put $1,000 into a 4.25% note this month (which will earn # $3.54/month), so: # 1. the investment_income amount will now be $54.17. # 2. i'll now use 0.0425 as i. # [13] i put $4,000 into a 4.25% note this month, so the # investment_income amount will now be $68.34. # [14] i put $1,000 into a 4.25% note this month, so the # investment_income amount will now be $71.88. # [15] i put $4,000 into a 4% note this month, so the investment_income # amount will now be $85.21 and i will be 0.0400. # [16] i put $1,000 into a 4% note this month, so the investment_income # amount will now be $88.54. # [17] now calculating all guaranteed investments at 4%. # [18] now calculating all investments except roth ira at 4%. # [19] i'm adding the current total in the foliofn money market account # to the investment total now. it receives the proceeds of # dividends and sales from foliofn investments, so it's money that # will be going back into the next round of investing there. # [20] i'm also adding the current total in the hsbc money market # account, which is on its way to foliofn. # [21] the house sold this month, so there are a few changes to the # formula: # # 1. i'm including the money in the virtualbank money market # account, which is holding the rest of the house proceeds since # the hsbc fdic protection limit is $100k. # # 2. i'm subtracting the $117k profit from the house sale, since it # will eventually be rolled back into buying another property or # providing investment income for renting. # # 3. i'm subtracting $30k as an estimate of what will need to be # paid in taxes on the sale. this will be removed from the # formula after 4/15. # [22] i'm using mint.com now, so i've simplified the formula to: # # ((balances - 130000 - roth_ira) * i) / 12