My Financial Goals

My Financial Goals has Moved!!

2006-02-15T19:30:00.000-08:00

Well I have really been slacking and while I've had tons of posts that have been running through my head lately, I haven't posted anything because I knew I would be moving my blog and well that would just be more stuff I would have to move. Well I wanted everything to be perfect before I made the switch to the new site, but well life has gotten in the way and well I've made the decision to move with my new site sort of under construction. At least that way I can keep adding content and well no one reads my site anyways.

Also I've kind of renamed my blog as MyFinancialGoals.com was not avaialable, so I am switching to My Financial Journey and the corresponding website is http://www.MyFinancialJourney.com

So see you at the new place

http://www.MyFinancialJourney.com

Jan 2006 - Net Worth Report

2006-02-15T18:44:00.000-08:00

Well I made some pretty good progress this month. Most of it was due to making a $4,000 contribution to my Roth IRA account. I haven't deposited my wife's $4k yet because I wasn't exactly sure what my cash flow situation was coming off of Christmas/My Wife's birthday(piano) and I honestly have no idea what taxes are going to be like this year, so I decided to play it safe and hold onto it for a month or two as a cushion so our cash reserves don't get too low. Besides the contribution my investments did very well this month, probably the best month I have ever had since I've been investing, not that it really accounts for much in the long run, but I believe I saw my entirer portfolio grow over 5% the last week due to positive earnings reports by many of my stock holdings. Also notice the new Roth 401k Account. Anyway here is the report. Traditional 401k Balance =: $10, 730.42 (+5.75%) Roth 401K Balance = $615.14 (+100%) My Roth IRA = $11, 074.37 (+63.74%) Wife Roth IRA = $8,003.95 (+3.86%) Net Worth = $30,423.88 (+23.59%)

Where the heck is the author?

2006-01-30T20:00:00.000-08:00

Sorry I haven't been very diligent in putting up new content lately. I am actually working on upgrading my blog and will be moving it to my own webhost with its own domain. Hopefully I get this done by this weekend and then I will start posting articles/comments on a regular basis again. Also I may actually change the title of my blog as MyFinancialGoals is not an available domain name. I'll keep you posted.

Compound Interest Article

2006-01-15T11:33:00.000-08:00

While I had heard this story in the past and was actually planning on doing a write up on it for this blog, but after reading the blog entry on Personal Finance Advice I decided there is no way I could do a better job. Check out the article here This is a great example of the power of compounding interest. "The most powerful force in the universe is compound interest" - Albert Einstein

Disclaimer

2006-01-14T10:44:00.000-08:00

Maybe I should have mentioned this right away but I really have no clue what I am doing. I am not an expert, nor even that knowledgeable about investing or saving for retirement. I really have very little experience in financial matters and my career has absolutely nothing to do with financials of any sort (computer programming). Anything that I say on this blog is most likely just my opinion and has no scientific data or knowledge to back it up. Most of what I say will be a culmination of what I have learned so far or just some convoluted idea I came up with myself. If by chance I do state some fact or figure assume it is just some number I made up in my head. In instances where I am actually using valid data or viewpoints I'll be sure to point that out for you and include the source. Regardless I do not necessarily endorse how I go about doing things and I am not recommending you listen to what I say or follow what I do. I'm just an average person looking to learn more about personal finance and hopefully improve my chances at being successfull in the process. As always when it comes to financial matters - don't ever just take advice from one source, seek out as many reputable sources as possible (I'm probably not included in this list) and make decisions for yourself.

Goals Rough Draft

2006-01-12T18:30:00.000-08:00

Well I have been thinking a lot about some of the financial goals for myself and I think I will just list them all here and decide which one's to fine tune and set for myself on this blog. Accumulate $100,000 in retirement savings by the time I am 30 years old I like this goal because one it is a nice BIG round number that would give me a sense of pride and accomplishment. Also it would put me in pretty good shape for the rest of the longer term goals I have for myself. The only problem with this goal is I think at first glance it might not be attainable as I have slacked so far, but I am going to leave it for now and unless further analysis reveals its truly not attainable will likely leave this as is. Accumulate $10,000,000 by the time I am retired This obviously is a longer term goal and would be the culmination of all of the other goals I have set for myself. I'll do research to see what I need to actually do to get to this point, obviously there are a lot of IFs as it involves something that might be as long as 40 years away, but I think its a good positive long term goal. Reach $1,000,000 in my retirement accounts by the time my oldest kid starts college This goal I just recently came up with, but again think it is an excellent goal to shoot for. First off if I am going to get to $10M by the time I retire the sooner I get to $1M the better. My oldest and only kid currently is just 7 months old so that leaves me just over 17 years to essentially go from scratch to $1 million dollars. This is a very aggressive goal, but if set out a good framework and have a fair amount of success investing I believe this one is probably my most attainable goal so far. Become financially independent early enough in life so that I can truly enjoy my kids. Here is where I might have some conflict with the $10 million dollar goal. I was doing some math while day dreaming during lunch the other day (that's when I came up with the $1M by the time my son enters college goal). Well I figured if I had $1M by the time I was 43-44 years old that would alleviate any worries I had about saving for retirement - IE I could quit saving for retirement completely and still end up pretty comfortable. This would allow me to do the following if I so chose

Stop saving for retirement completely and use that money that money instead to help support my kids college education.
Start an early-retirement and find a job that had very liberal time commitments that would allow me to spend much more time with my family.
Quit my day job and try to start my own business (granted this is 17 years down the road but I got loads of ideas for low-time/ low-capital requirement/internet businesses. I've got a pretty strong entrepreneurial spirit, just I am more concerned about getting my ducks in a row now while I am young before I fall flat on my face attempting one of my hair-brained ideas. Once I am in my 40s income will be less important to me (yeah I know kids and college aren't cheap, but I'll discuss this in a separate post).

Help family or good friends learn more about the power of money and how to harness for themselves. I've got 3 sisters, 6 brother-in-laws, 4 sister-in-laws, 4 nephews and 6 nieces. My three sisters are all older than me, but the other 20 nephews/nieces/brother&sister-in-laws are all younger than me and I think for those that are interested I could use my experiences thus far to help them get on a good track even earlier than I did and achieve goals that are much greater than mine. I've already got one nephew who seems to be pretty interested in investing and he is only a sophomore in college. It would be nice to have him become a successful investor also and then we could do all kinds of fun things together and not have to worry about the money aspect. This is kind of a soft goal, but I'm going to set a short term goal of getting my nephew to open a Roth IRA account before his senior year of college. Find room to set up college savings accounts for my children This may sound bad, but my kid's college fund really are taking a back seat to my retirement savings. In fact I have contemplated completely ignoring their college savings entirely. Partly due to trying to sore up my retirement by the time they enter college that way I can just change the financial spigot from my retirement saving to their college savings if the need be. The other reason is that they can get jobs, take out student loans, and really in the big scheme of things it won't set them that far back. Look at me I have $50,000 in student debt yet I have plans to be a multi-millionaire. Regardless my state's 529 plan allows me to contribute $3,000 per year per child tax deductible and that money grows tax-free and I can withdraw it tax-free. That is just incredible and is probably something I won't want to pass up. Regardless my family lives on my income alone and I honestly don't have the resources currently to achieve my retirement goals and my kids college goals. Well that's enough for tonight. I'll do further research into these goals and hopefully we can get something set in stone by this weekend.

December 2005 Net Worth Calculation

2006-01-10T18:00:00.000-08:00

Note: Hopefully this will get prettier as time goes on Traditional 401k Account Balance = $10,147.11 Roth 401k Balance = $0 My Roth IRA = $6763.21 Wife's Roth IRA = $7706.61 Net Worth = $24,616.93

Tracking My Net Worth

2006-01-10T17:12:00.000-08:00

I've been thinking about how I am going to track my net worth. A lot of the blogs out there have very detailed records of their financial wherewithal (checking, savings, 401k, IRAs, taxable accounts, Home Equity, Mortgage, Student Loans, etc) Heck My Open Wallet even let everyone know that she has exactly $2.02 in her wallet and this balances out to her Quicken Cash balance. While I commend her for having such an accurate picture of her financial picture, I currently do not have a mastery of Quicken to that degree (just got it around Christmas) and nor do I think it will be necessary to track my financials that detailed as far this blog is concerned. While it is very important to know exactly where your money is and where it is going in order to successfully reach your goals, I've tended to shoot slightly more from the hip (at least that's my perception of myself). Savings and Checking Accounts Things like savings and checking accounts fluctuate greatly and really don't tell you much about your financial picture. As long as the bills get paid and my retirement accounts funded I don't really put to much weight behind whether my short term accounts are big or small. I've never had too big of an issue with them getting too small, if they do I would adjust my spending. If they get too big money gets taken out of them and put in a slightly more long term vehicle. In the big picture though (my retirement) these accounts don't mean anything as they will not be a source for my retirement. This money will eventually fall prey to some expenditure and cannot be relied on as true worth, so for the purpose of tracking my net worth I will ignore them. Home Equity and Mortgage debt Next up is Home Equity and Mortgage debt. I guess credit card debt could be thrown into this category also, but I never have and hopefully never will have any form of credit card debt. But back to the house. Here is how I view my Home Mortgage. I will always need somewhere to live, whether I am renting an apartment or condo or owning my own house. When I retire I will still need somewhere to live and it will likely cost me money. I view housing as an expense just as I would my cell phone bill, internet connection, or gas for my car. So in essence it is really more of a cash flow issue than a true liability that decreases my net worth. Also I am only 26 and by the time I retire assuming I don't buy a new house every couple years and refinance with a 30 year mortgage, my mortgage should slowly take care of itself over my working years and when it comes to retirement should not be on my mind. On the flip side many people track the Equity they have in their house. And while I am not oblivious to the advantage of Home Equity. I do not feel that it can be accurately tracked nor should it necessarily be included in your net worth. First off the value of your house can fluctuate greatly and there is not a really good way to determine the actual value of your house without actually selling the darn thing. You can't check a monthly statement or look up the price in a newspaper so I think there is a large margin of error to consider when tacking on Home Equity value to your net worth. On a standard home this can fluctuate probably $20k in a calm housing market and then there is always the roughly 8-12% transaction cost to sell the house which many people might brush under the rug when calculating the profit they made off the sale of the house or the current "equity" they have built up in the house. A house is not a very liquid asset, and for most people a home is exactly that. It's a place where you live and not an investment, so don't treat it that way. In the event you do cash out your house, you'll still need somewhere to call home and that will probably cost money. Student Loans Student loans are another debt that I currently have, but once again I am not going to track them as they will like my mortgage take care of themselves over time. I actually have $50K in student loans but do not feel that they pose any significant threat to my retirement as to even track them as a liability. I plan on paying them off as slowly as humanly possible, but even at that rate I believe I will have them paid off at age 53 so I won't be worrying about them in retirement. What I will Track Maybe I am being too simple in my approach, like I said I am not exactly sure the best way to do this, but I figured simple is better. In tracking my net worth I am only going to focus on retirement accounts such as my 401k and mine and my wife's IRAs. Now that I am going to only be contributing to a Roth 401k and Roth IRAs I don't have to worry about subtracting taxes from my net worth, which should make things even simpler. Should sometime down the road I put money in a taxable account that I plan on using for retirement I will add that. I guess if the time comes that I buy real estate for an "investment" outside of my home I would maybe try to add that into this equation, but as I noted above real estate can be hard to value and I'd rather keep my net worth calculation as accurate as possible. So in essence for the purpose of this blog Net worth = 401k + My Roth IRA + My Wife's IRA

Roth 401K: Cont

2006-01-07T15:46:00.000-08:00

Well I didn't exactly get to my follow up post as quickly as I would have liked to, but here goes. Well I ended up sending the form in and leaving my contribution at 14%. According to my calculations I had figured this would cost me an extra $124 out of every paycheck. Now I have our budget strung pretty tight as it is, but when it comes to saving for retirement I tend to act irresponsible like this and splurge on my retirement. I've done this a number of times in the past and I've never had cash flow problems yet, somehow there always seems to be enough money left over to pay the bills. The good news though is that by switching to a Roth 401k and leaving my contribution percentage the same it didn't cost me the extra $124, in fact it worked out being only $67. I guess the extra deductions for my wife and kid lowered my federal withholding percentage from my check lower than what I had guessed at in my example. This has me actually contemplating upping my percentage a few more points as I was already ready to bite the bullet on the $124 per month why not up my percentage and take that money out. But before I make that decision I want to get a better grasp on my overall financial picture and goals before I make any more changes to my current structure. Hopefully I'll get a few posts out tonight and make some progress on this front.

Roth 401k

2005-12-30T07:09:00.000-08:00

Well I planned on starting this blog with more introductory articles on the basics investing tools available, but my employer just decided to offer a Roth 401k plan and I have to fill out the form today so I figured I'd blog about my decision process when filling out the form. For those of you who don't know a Roth 401k is a new savings vehicle that the IRS is releasing as of January 1, 2006. A Roth 401k is very similar to a Roth IRA in that any money you contribute to the plan you have to pay taxes on. The good news is that because you paid the taxes on the money up front any money you make a long the way is tax free and when you withdraw any money from this account after age 59.5 the money is also tax free. As with any plan there are advantages and disadvantages. The biggest drawback to a Roth 401k vs a Traditional 401k is that you don't get a tax deduction on any contributions you make. So you end up paying more to uncle sam up front. So in order to maintain the same amount of actual dollar contributions to your 401k account you have to take a bigger chunk out of your paycheck. For example lets say every week I get a paycheck for $1000 and I contribute 10% of my salary to my Traditional 401k plan (not Roth 401k). Contributions that I make to a traditional 401k are tax free (but withdrawals are not).

	Traditional 401k	Roth 401k
Gross Income	$1,000.00	$1,000.00
Pre-Tax Contribution	-$100.00	$0.00
Taxable Income	$900.00	$1,000.00
Soc Sec Tax (7.65%)	$76.50	$76.50
Federal W/H (15%)	$135.00	$150.00
State Tax (6%)	$54.00	$60.00

After Tax Contribution	$0.00	-$100.00
Take Home Pay	$634.50	$613.50

So in order to contribute the same amount of money to my 401K it is going to cost me an extra $31 out of every paycheck. Now In my example I make roughly $57,000 a year and currently contribute 14% pretax to my Traditional 401K (just under $8k a year). Which works out to about $307 every paycheck (bi-weekly pay). Now if I wanted to keep the same dollar amount and contribute to a Roth 401k I would need to contribute about 19.6% or $431 per paycheck. So it will cost me $124 extra out of every paycheck (or $3224 per year) just to contribute the same amount to my 401k. Ouch!! Now lets say I wanted to keep my paycheck the same and contribute to the Roth 401k. Now if I keep my contribution at 14% and switch to a Roth 401k, my paycheck deduction will remain at the $307, but unfortunately before that money gets to my account I need to pay taxes on it. So $307 x( 1 - .15 + .06 + .0765) = $219.04 or only $5695 per year. That's a loss of nearly $2300 per year in my retirement savings. Now time for the advantages. #1 I don't have to pay any taxes when I withdraw my money at retirement. With a traditional 401k any withdrawals are taxed as normal income. So lets say I do pretty well for myself or the government gets crazy with taxes and I am in a 35% tax bracket when I retire, well the government gets 1/3 of any money I withdraw from my Traditional 401k account. Seeing as how I am in the 15% tax bracket now it makes sense for me to pay the taxes up front as if everything goes as planned I will be in a lot higher tax bracket when I retire. If I leave the company I can roll my Roth 401k into a Roth IRA. Now this may not seem like that big of deal, but currently all retirement plans except for a Roth IRA have minimum distribution requirements. What does this mean? Well the government says once I get to age 70.5 I need to take some money out of my retirement accounts whether I need it or not. So lets say I have more money than I know what to do with and I don't need to touch my 401k or IRA accounts, I'd rather let the money keep growing tax free for my children or grandchildren the government won't let me do it. By rolling the money over into a Roth IRA though I can leave my money growing tax free as long as I would like. The longer you have until retirement the better your odds of the tax free withdrawal advantage has to overcome the tax free contribution. As you see from above it costs a lot more to contribute to a Roth vs a Traditional. If you only have a few years till retirement you probably won't be able to overcome the amount of money you had to pay in taxes up front. But if you are a somewhat young person like myself (26) with 33 years till retirement the Roth option will definitely leave me with more money at retirement. At the bottom of this article there is a Roth Analysis tool that is pretty good. You can play with it to so which option suits you best in retirement. You can select a level paycheck or a level contribution (examples I listed above). Another advantage to the Roth 401k which doesn't necessarily affect me is that if you make lots of money $95,000 filing single or $150,000 filing jointly you cannot contribute to a Roth IRA, but these people can contribute to a Roth 401k. This gives these people a chance to sock some money away that can be withdrawn tax free. I guess my explanations took up to much room and I will continue my actual thought process with a different post. Roth 401k resources 401k HelpCenter Roth 401k Analysis Tool

My Investing History

2005-12-28T13:40:00.000-08:00

I figure I would give you a little history about my investments so far. I graduated college in 2002 with a Computer Information Systems degree and got a job as a programmer making $45,000 a year out of college. While it didn't happen right away I knew I wanted to start investing my money ASAP possible. I had always figured that if I started putting say $10,000 a year away when I first started working I would never miss the money or have to adjust my lifestyle to accommodate my saving/investing habits. So shortly afterwards I had a fellow classmate of mine from college approach me about an investment product he was selling. It was something called Whole Life Insurance and I eagerly agreed to set up an appointment with him, because I knew I had already wasted some precious investing time and I had no idea at that point how to invest. Well I stuck to my motto of wanting to invest $10,000 a year. Well after a short sales pitch and no research on my part my buddy had convinced me that this whole life policy would give me an 8% return on my investment, and so I told him I wanted to buy $10,000 per year of Whole Life insurance. Thankfully they'll only let you buy 10 x your salary in Life Insurance so I was only able to purchase about 450,000 worth of whole life insurance which ended up running me about $5000 a year. Regardless I was "investing" my money and had plans to put the other $5000 or so in something called a Roth IRA and some other investments my buddy would come up with. Well I ended up holding off on the other investments because in 2002 the stock market wasn't exactly roaring and I was pretty sure if I invested my money at that point in time I would actually be earning a negative return so it was better off to wait. Well about the same time I started attending graduate school for my MBA at night after work. One of my finance professors recommended that we go to fool.com as a good resource on financial matters. Well this small off the cuff remark before class completely changed my financial and investing knowledge. I read just about every article they had on their website. I learned all about Roth IRAs, Mutual Funds, Stocks, Bonds, Mortgages, Loans, Credit Cards, you name it. While I wasn't necessarily an immediate expert, I learned enough to start to take financial matters into my own hands and make educated decisions on important financial matters without the help of so called "experts" Shortly after I started doing the math on the financial figures my Whole Life agent had given me and found out that I would not end up getting nearly close to the 8% that was brought up in the sales meeting. I eventually cashed out my entire policy (at a substantial loss). I got married in the summer of 2003, and by the beginning of 2004 I had learned enough to start a Roth IRA for me and also for my wife. Both were maxed out for tax years 2004 ($6000) and 2005 ($8000). I also started contributing to my employers 401k in November of 2004 ($8000). So basically at this point I have done a pretty poor job of putting my goal of $10,000 a year away for retirement. Had I done this I should have about $35,000 put away at the end of 2005 (2002-$5K, 2003-$10K, 2004-$10k, 2005-$10k). My actual contributions have been closer to only $22K to this point in time and as we can discuss in a different post adding a catch up contribution of $10,000 now is nowhere near the same as if I had contributed that $10,000 4 years ago. So in essence I am behind the game and hopefully this blog will help be get back on track and stay that way going forward.

What are my goals?

2005-12-07T19:27:00.000-08:00

Well I suppose seeing as how the title of this blog is "My Financial Goals" - I suppose I should actually talk about what my goals are. Now despite the blog title I really have not been a big proponent of setting goals for myself. I know I subconsciously have ideas of what I would like to accomplish in my life, I have never before actually defined a goal and written it down somewhere. In the past I have always been pretty good about accomplishing my secret subconscious "goals", but who knows maybe I just forgot about the goals I had failed to attain. So at this point in time I am going to dig into my subconsciousness and put some of these goals I have for myself out on paper...err well electronic storage. The first real goal I had set for myself coming out of college was to be making $100,000 a year by the time I turned 30. I don't know where this came from, but I'm pretty sure I figured that would mean I was successful at what I was doing and would allow me some added financial freedom. As far as investing using my 7th grade math skills I had decided I needed to put $10,000 a year away to become filthy rich (I was probably aiming for $1 million dollars at the time and probably wasn't going to cash in until I was 80 or so getting my 6%). Regardless this goal stuck in the back of my mind and when I got my first job I tried to stick to this - although I was not that successful - more on this in separate post) The next goal I can remember subconsciously setting for myself was that I wanted to have $10 million when I retired. This number was purely pulled out of hat and there was no logic as to how I would attain it or what I would need the money for. Probably the most poignant goal I have set for myself at this point was to amass $100,000 for my retirement by the time I turned 30. I believe this has gone back and forth from $100,000 in principal I had put away to just having $100,000 principal and interest before I was 30. I generally try to push myself to achieve the harder goal, so I believe I was generally leaning towards $100K in principal. Regardless as you can see my goals are kind of haphazard at this point and I really need to sit down and more clearly define my expectations for my financial growth and come up with attainable goals that have a plan to go with them.

High School Econ and Yoohoo

2005-12-07T19:13:00.000-08:00

Well after exponentiation lessons in Math class I really had no reason to think about investing. Heck that was only for grown up people with jobs, I'd have to wait to put my devious plan into action. So really investing did not consume much of my thoughts through high school. Senior year I took an Economics class and while we discussed relevant economic theories I probably was too busy oogling at the girls in the class because I honestly don't remember much about the theory being taught in the class and really did not understand the stock market at all. But there is one thing I really remember from that class. Well we were suppose to pick some stocks to track, and I believe we actually competed in some mock stock portfolio competition. Back in those days I didn't know much about computers and wasn't too aware of this whole internet thing, so I'd go down to the library and look up stock prices in the newspaper (you'll see the irony in this situation once you find out what my profession is and what I went to school for the following fall). Anyway I don't remember much about my stock picks other than I decided to follow Yahoo. Now just to prove what a stock picking genius I was I honestly thought that I was following the chocolate milk shake drink (Yoohoo). Well I think I bought the stock at $8-$12 and by the time the class was over Yahoo was selling for over $100 a share and as I follow the stock for the next year or so after the class it got as high as $250 a share and was constantly splitting. Had I actually thrown some money in the stock for real I'd probably be able to buy a few of those Yoohoo drinks I was so fond of.

What got me interested in Investing?

2005-12-07T18:54:00.000-08:00

What got me into investing? Well I am not exactly sure how old I was, but I know I was in Math class and learning about exponentiation, pretty sure it was still in grade school. Anyway as usual my mind began to wander and I probably was not paying attention to the task at hand anymore, but for some reason I decided to think of exponentiation in terms of money. Again I have no idea why because investing was not something I had ever discussed with anyone before and money really was not an important part of my life at that point. Anyway I took my calculator and punched in a sum of money, something like a 6% rate of return, for 40 years. I couldn't believe my eyes!! How could such a small amount of money grow into such a large sum, without having to do anything . Well I continued on punching in bigger initial investments, higher rates of returns, over even longer periods of time and soon came the conclusion that if I could somehow find a way to get some bank or something to give me like 5 or 6% return over my lifetime I would be very wealthy. I couldn't understand why everyone didn't do this and why people didn't just bite the bullet and put a bunch of money away for the next generation or the generation after that. I mean the number coming out of my calculator for compounding money over 100 years was amazing!! Well this was really the start for me. Had I been home sick or day dreaming about what video game I was going to play when I got home I probably would have never gotten into investing. While I never forgot about compounding, I guess I never thought I could take advantage of it until I was an adult and had a full time job so that I could then find some magical vehicle to give me a good rate of return on my money. Afterall I really thought 6% was a great return and if I could just lock something like that in when I was older, man would I be rich. I had it all planned out too. The first 5 years or so that I got a job I was going to live like a pauper and invest as much as I could. I figured If I could live the first 20 years or so of my life without making any significant money, why not extend it for a few more years once I got a job and use those resources for investing. Well as 7th or 8th grader this was my plan.

Welcome

2005-12-07T15:20:00.000-08:00

Welcome!! You must have somehow mistyped, misclicked, or missearched and ended up on my blog page. I am starting this blog to track my financial journey through life. Despite the blogs title I don't really have my financial goals set in stone, or for that matter I'm not sure I have even set a whole lot of goals for myself, but well that will be the purpose of this blog. I've run across quite a few other excellent personal finance blogs and think it is a great idea tool to learn how to manage your money better. And its a great way to make sure you are on track to achieving what financial goals you have set for yourself. Anyway bear with me as I get this site off the ground. I am pretty new to blogging and I have a lot to learn before I get this site to where I want it to be. Hopefully it will turn out half as good as some of the sites I have already run across.