What can Disney's Pixar UP! teach us about Personal Finance?

Last summer we went to see the latest Disney Pixar movie: Up!  Wonderful show. I was excited to see that Carl and Ellie had a goal to travel and fulfill their dreams. It was not just a wish – it was a goal. They had a jar and worked and slowly their savings grew. Ultimately, as many of us know all too well, that jar had to be broken for a rainy day over and over again throughout their lives. Sadly, their goal became a wish and drifted out of reach.

Drifting was what my savings did for years. I was lucky one year and with the help of a good friend I opened up my Roth IRA for the first time. Another year, I allowed a fast talking salesman to part with my money. Other years I played the stock market, paid down student loans, or traveled.
I resolved to be a better saver after years of ‘saving’ with nothing to show for it. With the help of some good books, blogs, and friends, I have learned what it means to be a successful saver – someone that knows how, why, and where to save.

1)    Save Regularly
I accomplished this step by “paying myself first” or automatically deducting or transferring a portion of every paycheck into my savings account before anything else.
After establishing the saving habit, many of you will be inspired to create a debt snowball. That is great. But you can also create a savings snowball, too. Saving regularly is how you save successfully.

2)    Create Savings Goals
Goals, as in plural. Originally, when I only had one savings jar, like Carl and Ellie, it became the solution whenever any problem or opportunity arose. I learned that multiple goals are needed to address multiple events in life. Now, when I come home from Europe with an empty travel jar, there is tremendous peace of mind in having a full “Rainy Days” jar that can repair my broken and leaking water heater. Saving regularly, and with purpose is why you save.

3)    The Right Place at the Right Time
Where does all my money go? An IRA, money market, CD, high yield savings, rewards checking account.  Pretty much anywhere but my mattress. I have learned that in an emergency you need to get your money flowing faster than water out of broken pipes - so I put mine in a high yield savings account. Hopefully, your retirement is years away because you started saving young, right? So lock it up in an IRA or 401(k). Successful savers know where to put their money.
Learning the importance of saving money is an essential first step in declaring your financial independence. Along the way to achieving that independence it is equally important to know how to save, why to save, and where to save. Because saving regularly, with purpose, in the right places will make you a successful and happy saver.

What makes you a happy saver?

How do I add a second Y-axis to a Microsoft Excel plot?

I keep forgetting how to add a second y-axis to a plot made in Microsoft Excel. And I figured this might be helpful to other people as well.

Remember the plots from my little dollar cost averaging example? They all employed two y axes; a primary and a secondary. For illustration, here is what the plot would look like without the second y axis.

The price data appears to be zero because it is so small on the range of the value of the fund which reaches nearly $30,000. Utilizing a secondary axis is helpful whenever you want to compare trend lines of data that share the same abscissa, or x values, but do not share the same range of ordinate, or the vertical y axis values.

How do you get the secondary axis to appear?
First, add the data to your existing plot. I always forget and try to add a secondary axis first - it doesn't work!
Once you have your data and it looks poorly represented, then you can select it, and right click on it.

From the right click menu, select "Format Data Series" and you will the following screen. Here you can choose to plot the data on the primary or secondary y axis. Woohoo!

Need further help in Excel?
One book that I would like to recommend is actually a textbook...


So, where else can you find good excel advice? I am not really sure. If you know of a good site - please share below in the comments.

Vertex42 is a great site for Excel templates. I have found some useful tools there.

Alternatives to My Decisions on Investing

You don't like that I went with Fidelity. You hate that I chose to invest in an ETF. You abhor lazy investing. You crave something more fun. That is okay if that is what fits your personality and your level of risk.

Can't quite decide between the two giants, Fidelity and Vanguard? Head over to Metafilter for some more discussion on which might be the right place for you.

Don't like the giants cause you want to run your own show? MyMoneyBlog has a great review of several other brokerage houses where you can open a Roth IRA. The list includes TradeKing - whom I also use for trading.

Like individual stocks better than index funds or ETF's? Yahoo! Finance is a great resource for researching your latest best pick, and they also offer great guidance from a collection of expert columnists and partnerships. 10 stocks that can keep running even if this bull rally loses steam will point you towards big blue chips like Exxon Mobil, J&J, and Sysco; healthy dividend players like NSTAR, Exelon, Paychex, and Realty Income; and surprisingly - HealthCare with the likes of Novartis, ThermoFisher Scientific, and Well Point.

Need better ideas than just some more blue chips? Steal them. That is what some people do by following popular, and successful fund managers. It makes sense. If they have a good track record and you do your own follow up research you might find some good ideas that way. 

And finally, some more stock ideas based on economic indicators was illustrated by The Street. Interest rates --> Bond yields. Housing Starts--> Construction stocks. Inventory levels --> Commodities. Personal income and discretionary spending --> Retail stocks. Essentially, if you follow a regularly reporting economic indicator, chances are there is a sector ETF that will track it because it is based on the stocks that would react the most.










You may also be interested in reading:
You Can Lose Money Selling Your Investments
Selling Your Investments Means You Get to Buy New Ones
ETF's and Lazy Portfolios
Dollar Cost Averaging: An In Depth Investigation Using EEM
Alternatives to My Investing Decisions

Wrong Number Suspense Novel with Free Gifts Promo

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Wrong Number is available on Amazon.com for the incredible price of just $10.11

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Dollar Cost Averaging: An In Depth Investigation Using EEM

Money is burning a hole in my pocket. With my brand new Roth account and newly transferred funds I am itchy to spend it. I already decided on which fund I need to buy to reach my target portfolio goals, so why haven't I purchased the iShares Emerging Markets ETF yet? I am waiting for the perfect time to invest, of course!

I recently quoted an article by Morningstar that raised a flag of caution for investors to not succumb to the temptation of using commission free ETF trades to begin market timing. Market timing is highly debated and is very alluring. In fact, MarketWatch just released an article on several different strategies for taking advantage the seasonal trends in the marketplace. Essentially, they were outlining well used market timing strategies. 

Once upon a time, when I was a greedy investor, wait, I still am! Okay, once upon a time when I was a novice investor, I would have been thrilled to read about seasonal trends in the marketplace. If the market experienced regular trends that were seasonal then that meant there was an opportunity for me to take advantage of that trend and increase my yearly yield. Timing is everything. We all know that. If we had just known to invest all of our money last March when the market bottomed and made its turn around. Or if we had just known to pull our money out before the market fell off the abyss in 2007-2008. Yes, hindsight is always 20/20. IF we had known. Trouble is, we live in the present and we do not know what the future will bring.

I now know that dollar cost averaging is the right answer. I have read about it and seen the research. But to convince myself, I wanted to run the numbers myself. Since, I am going to be investing in EEM, it will be the point of this study. I went back and recorded, roughly, what the price of EEM has been for the last three years during the mid point of each month into a spreadsheet. Then I created several different investing scenarios to illustrate lump sum investing, or market timing, and regular, automatic investing known as dollar cost averaging or Value Averaging. 

Since this is a Roth account, my year to year analysis is from March to February of the next year because a lot of people make their Roth contributions right before the April 15th deadline for prior year contributions. And because the last three years provided me with the perfect worst year, best year, and good year data to explore the different options and scenarios. The results are very interesting. Granted, EEM is a very new fund without even a full 10 year history.

Let's start out with one really bad year. From March 2008 to February 2009 time frame was a bad year. In fact, EEM saw a 54% decline. Ouch! So, what would your fund value be in Feb 2009 if you invested $5k in March 2008, versus a steady $416.67 per month?
DollarCostFund = $3,530.15
LumpSumFund =  $2,650.38

In contrast, let's examine a great year. From March 2009 to February 2010 time frame was an awesome year. In fact, EEM experienced nearly 80% growth. Wow! So, what would your fund value be in Feb 2010 if you invested $5k in March 2009, versus a steady $416.67 per month?
DollarCostFund = $6,032.37
LumpSumFund =  $11,298.81

Yeah, but what about longer term. If you had the stomach to sit through those past two years and just kept to your guns from March 2007 to February 2010 time frame EEM only grew by 3%. So, what would your fund value be in Feb 2010 if you invested $5k in March every year, versus a steady $416.67 per month?
DollarCostFund = $16,911.20
LumpSumFund =  $21,616.31

Should I be worried that the lump sum investing performed 28% better than dollar cost averaging? No, not really, because the yearly lump sum, if done regularly, is also dollar cost averaging. I generated the last plot to better illustrate the point of a person actively deciding which month to invest. I picked the best months during each March to February year and the worst months to invest. The average person probably wouldn't pick the worst times, but they also are not likely to pick the best times either. So, what would your fund value be in Feb 2010 if you invested $5k at the best times, and the worst times, versus a steady $416.67 per month?
DollarCostFund = $16,911.20
BestLumpSumFund =  $26,027.71
WorstLumpSumFund = $12,644.39

 In conclusion, dollar cost averaging never produced the best results, but it did reduce risk, and performed better in a bear market. Additionally, dollar cost averaging has the added benefit of being automatic. One of the great things about using automatic systems is that you can set them and forget them. Imagine if you were simply too busy and just left your cash contributions rotting in a money market fund last year!

 Which path will I take? I have contributed the max amount, $5k, for my 2009 year contribution to my Roth IRA. Will I try and time the market based on my gut feel, the current price, the current news stories? Or will I just take the long and boring road to average wealth? Yeah, time to figure out how to set up automatic investing inside of Fidelity.

How about you? Does this analysis make you reconsider your stance? Does it reinforce your current behavior?

You may also be interested in reading:
You Can Lose Money Selling Your Investments
Selling Your Investments Means You Get to Buy New Ones
ETF's and Lazy Portfolios
Dollar Cost Averaging: An In Depth Investigation Using EEM
Alternatives to My Investing Decisions

ShareBuilder Free Money Promo Code

ShareBuilder sent me an email promotion for a free $50 new account sign up bonus.

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•	Select from over 7,000 stocks and ETFs
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We'll jump start your investing with a $50 account bonus.
Go to www.ShareBuilder.com/em/SBE50 to open your account today and we'll match the first $50 you deposit. Offer expires 4/30/10.

The cool thing about this promotion is that there is no requirement to actually make an investment. Just drop in your $50 and you make another $50. That's sweet!

I like ShareBuilder and like the setup that they have. Their system favors dollar cost averaging and is geared towards set it and forget it automatic investing. ShareBuilder would be a great place to do your "core" investing.

ETF's and lazy portfolios

I wrote a lot about my decision to invest in some ETF's and I am sure some of you may be wondering why ETF's and not index funds and what is the difference anyways. Honestly, the biggest reason for investing in ETF's for me was availability. Well, that was easy. So what is the difference?

I finally found a really great answer to the question about ETF's and Index Funds and their differences. For example, what is the difference between Vanguard ETF VNQ and Vanguard Index Fund VGSIX? The key differences being that index funds are offered by a fund management company and may require a minimum purchase and they do not trade on the open market throughout the day. ETF's are just the opposite. If you have a brokerage house, you can buy and sell them anytime you want. 


Ooohh, buying and selling anytime you want. Couple that with no commissions means you could have almost as much fun as a day trader, right? That is the concern expressed in this Morningstar article. The author writes that the incentive to gain new accounts may have unintended consequences. While it is generally accepted that ETF's are a smart investing choice, providing commission free trades may entice traders to try and time the market, or trade more often than necessary, thereby reducing the good qualities of the ETF through the traders own bad behavior. 

investors might be inclined to trade simply because they can, even though academic studies have proven that the lazy investor is invariably better off than the one who trades with great frequency.

What? You mean hard work does not pay off in the investing realm? Nope. The lazy investor and the lazy portfolio have been celebrated at providing what we need most when it comes to building our nest egg. Slow and simple wins the race. A lazy investor is one who sets his investments on auto pilot and forgets them, mostly. Kind of the advertising you might see from ShareBuilder.

What is a lazy portfolio? It is a collection of funds that match an asset allocation and your aversion to risk. No active trading, no picking individual stocks, no market timing, just lazy, boring, automatic investing. The Mad Money Machine actively compares professional lazy portfolios here. But an easier introduction to sample lazy portfolios is illustrated with five great examples by GetRichSlowly. JD explores portfolios named The Couch Potato, The Three Fund, The No-Brainer, The CoffeeHouse, and The Perfect Portfolio. While my personal portfolio, current or target, does not match these five exactly, I have learned much from examining them.

And finally, here is a link that you can use to test out your current, or target, portfolio to see how it stacks up.
From their website,

Icarra is a powerful web-based portfolio management system that:

• Accurately tracks your portfolio
• Calculates portfolio returns (including IRR)
• Generates flexible charts
• Allows you to find new investing ideas from other users's shared portfolios

Icarra is a free service.

What is your opinion of lazy investing? Is it just too boring for you? Share below in the comments.

You may also be interested in reading:
You Can Lose Money Selling Your Investments
Selling Your Investments Means You Get to Buy New Ones
ETF's and Lazy Portfolios
Dollar Cost Averaging: An In Depth Investigation Using EEM
Alternatives to My Investing Decisions

Selling Your Investments Means You Get to Buy New Ones

This is the third post in a series about Selling Your Investments.
In the first post I chronicled how I overcame my fear of selling a long term asset.
In the second post I explained why I chose to sell this asset at a loss.
In this third post I hope to explain what I am going to buy with all of that cash!

I opened my Roth IRA with Fidelity partly because of their recent offering of 25 iShares ETF's which trade commission free. Naturally, I looked at these options first to see if they would complement my current target asset allocation strategy. I also compared the options to the funds that are available to me in my workplace 401(k). Surprisingly, my workplace 401(k) is really not as horrible as some people have. In fact, after reviewing my current plan I determined that only a minor adjustment in my 401(k) contributions is needed to keep me on track. The analysis of my 401(k) contributions quickly narrowed down the field of choices for where I wanted my money to go in my Roth account. My 401(k) has great S&P 500, US Total, Bond, and Foreign Large funds. This leaves US Small Caps and Emerging Markets and REITs as the only areas I need to focus on with my Roth in order to reach my target asset allocation. 

Below is a chart of my target allocation. How did I come up with such a complicated piece of pie? I explored several different options. I chose an allocation strategy that was heavier in stocks than bonds which reflects both my time frame and my risk level.

Compare that to my current asset allocation - and the choice became very clear where all my cash should go: Emerging Markets. And, Fidelity now offers me a great vehicle to do that in: EEM. The biggest question I have is whether I should just do a lump sum investment, or dollar cost average over the course of this year?

 

This pie chart is due to change dramatically this year as I continue exploring the iShares offerings and developing a strategy to exit some of my other high expense ratio mutual funds. Some of my mutual funds have an expense ratio of 1.5%. Ouch! When compared to some of the iShares ETF's that have expense ratios of only 0.20% the new path forward becomes a bit clearer.

I'll try and provide new updates as the pie charts makes big changes this year.


You may also be interested in reading:
You Can Lose Money Selling Your Investments
Selling Your Investments Means You Get to Buy New Ones
ETF's and Lazy Portfolios
Dollar Cost Averaging: An In Depth Investigation Using EEM
Alternatives to My Investing Decisions

Lending Club $100 Bonus

Lending Club recently sent me this promotion.

As a March bonus, we would like to offer you up to a $100 Cash Bonus on new funds you deposit. If between March 11, 2010 and March 26, 2010, you fund your account with: an additional $1,000-$2,499.99, Lending Club will GIVE you a $25 Cash Bonus**, or an additional $2,500 or more, Lending Club will GIVE you a $100 Cash Bonus**

Enroll in the March Rewards Program Now » Diversification: A way to lower risk. Learn more about diversification »

Enroll in the Cash Rewards Program » There is no obligation to participate if you enroll. However, in order to receive the bonus, you must use the link above to enroll in the program. The cash bonus will be deposited in your account by April 9, 2010. *** This bonus will be locked and only available for investing until all of the newly loaded funds are invested on the platform, at which point the bonus will available for withdrawal by you. Funds must by fully invested by April 30, 2010 to unlock the bonus for withdrawal. What is your experience with LendingClub?  Do you like the new website redesign? Don't have an account? Sign up with a referral link from me and earn an additional $24!  Woohoo! Free money!

Monetize Your Blogger Blog Using Amazon Associates

Google has integrated Amazon Associates into Blogger for an additional way for you to earn revenue from your blog. You can have immediate access to product searches and customized links when enable the Amazon Associates widget. The widget will appear on the side of your "New Post" page, the Blogger Editor, where you go to craft your latest blog entries. It will not show up on your homepage unless you add it to your layout as well. The widget for your homepage is for you visitors to search amazon products or to have products relevant to your most recent post. The widget that shows up when you are typing up your posts is a handy search tool that allows for quick and easy insertion of text links, or image links of products directly into your blog content. This can be useful if you are doing a product review or in my case - you wanted a relevant image to go along with your content and you were too lazy to go find something from a free stock photography site. Hope that helps!  Three screen shots are included below.
Note: An Amazon Associates ID is required for this to work. Get an Amazon Associates Account.

Once you have the widget enabled, head on over and start your next post. 

Has the addition of Amazon Associates to Blogger been helpful to you?

You Can Lose Money Selling Your Investments

Yesterday, I wrote about how I sold the first mutual fund I ever owned, FGRIX. One of the hardest parts about selling an investment is that when you go to sell your asset - you may be looking at selling at a loss. Granted, with the recent market turbulence, you may think - everyone is facing a loss right now. 

But what if you are choosing to sell - even in the face of a loss. Do not fret too much. If the asset is in your taxable account, you can write off up to $3,000 on your taxes this year. If the loss was more than that, you can actually carry forward the loss and continue to write off an additional $3,000 each year as needed.

Buy why would you ever want to sell an asset at a loss? Lots of reasons. Let's just look at why I did. I wanted to make my annual contribution to my Roth IRA and had decided that the best source of that money, $5,000, should be from my taxable investment account. Last year I made the mistake of just transferring the assets straight across from my taxable account to my Roth account. One call to the broker facilitated this easy move. Why was that a mistake? Because I didn't know then what I know today. I understand the wash rule and expense ratios and ETF's and index funds and asset allocation. Last year I transferred several mutual funds with very high expense ratios into my Roth. Today I am considering selling those mutual funds, just like my mutual fund from yesterday. If I would have sold the mutual funds while they were still in my taxable account I could have written off thousands from several years of tax returns. That is tax loss harvesting. I need to make an adjustment with my assets, so I harvest losses solely for the tax purposes.

This year, I sold my mutual fund and I plan on transferring the cash to my Roth and using that cash to purchase new, cheaper mutual funds or cheaper ETF's and index funds that better match my target asset allocation.

Caution! The IRS does not allow you to simply sell your asset in your taxable account and then immediately repurchase the same, or even very similar, asset in any of your accounts, retirement included. Sorry, you cannot sell and rebuy just to get a nice tax break. This is known as the wash sale rule. In order to book the loss, it must be at least 30 days before you buy back that asset. 

So, last year, I missed out on a perfect opportunity to catch a tax break because of the wash sale rule. Not this year! Check back tomorrow to see what fund I finally decided to buy in my Roth from the proceeds of my sale of FGRIX.

Have you ever done tax loss harvesting?


You may also be interested in reading:
You Can Lose Money Selling Your Investments
Selling Your Investments Means You Get to Buy New Ones
ETF's and Lazy Portfolios
Dollar Cost Averaging: An In Depth Investigation Using EEM
Alternatives to My Investing Decisions

Selling Your Investments Can be Scary

There! I did it!  I finally sold my very first mutual fund. Not the first one I have ever sold, but the the first mutual fund I ever bought into. In an effort to curb expenses and to invest into a more diversified portfolio I had to come up with the courage to sell my first mutual fund. Way back, a long time ago, in a galaxy far, far away... at least it seems that way sometimes...I was just a sixth grader and learning about the stock market for the first time in a stock market club. Me and two other classmates named our group the "Brilliant Billionaires."  Honestly, I am not too sure that we were very brilliant, and our $100,000 starting portfolio never even came close to the elusive billion dollar mark. If it had - I'd probably be busy on Wall Street right now, not working from a cubicle!

But hey, Fidelity's Growth and Income fund, FGRIX, was a great first fund for me to own. Was it? Or did I just have this emotional attachment because those quarterly statements have been taking up space for too many years. It wasn't until the last few years when I learned what expense ratios, ETF's, and trading was all about before I had the guts to do something different. Why rock the boat? If it isn't broke, why fix it?

What if the path you have been following is not the most optimal? That is okay, as long as you have the perseverance to stay the course, inefficiency will just make the journey a little longer. I opened my own brokerage account at TradeKing and learned the basics of trading stocks and options. I read up on asset allocation strategies and investing for retirement.

With every new piece of knowledge came the realization that my current path needed to change. My little old mutual fund needed to move on. I finally settled on Fidelity to host my Roth IRA. This decision was partly influenced by my history with Fidelity and with Fidelity's recent offering of 25 iShares ETF's that trade for free.

While I have read about rebalancing to match your target asset allocation - I found that in practice you actually have to act. Good books, numbers, and friends can give you a warm, fuzzy feeling about the path you should take, but until you step down that path - You are NOT making progress. Feeling good was not enough. It takes feeling scared and just doing it to make the progress towards your goals.

What is holding you back from taking that first step? Share what helped you overcome that and get you started on making progress towards your goals.

You may also be interested in reading:
You Can Lose Money Selling Your Investments
Selling Your Investments Means You Get to Buy New Ones
ETF's and Lazy Portfolios
Dollar Cost Averaging: An In Depth Investigation Using EEM
Alternatives to My Investing Decisions

GreatEscapes: Book Your Vacation

Have you ever wanted to take a vacation to somewhere where you could just relax and get away from it all? Or, do you know where you want to go and you are just waiting for the right deal to come along? If so, take a look at these available week long condo stays and let me know in the comments if you would like getting hooked up with one.



Only $199

Inv. #	Arrival	Departure	Resort	Area	State	Size
62761	3/20/10	3/27/10	Cabins At Mountain Falls	Pigeon Forge	TN	2BD
62818	3/27/10	4/3/10	Cabins At Mountain Falls	Pigeon Forge	TN	2BD
61575	4/3/10	4/10/10	Eagles Nest Resort	Branson	MO	2BD

Only $299

Inv. #	Arrival	Departue	Resort	Area	State	Size
62764	4/10/10	4/17/10	Cabins At Mountain Falls	Pigeon Forge	TN	2BD
60111	4/10/10	4/17/10	CO-Meadow Ridge @ Remax	Winter Park	CO	2BD
60169	4/10/10	4/17/10	CO-Meadow Ridge @ Remax	Winter Park	CO	2BD
60293	4/10/10	4/17/10	CO-Meadow Ridge @ Remax	Winter Park	CO	2BD
61531	4/10/10	4/17/10	Eagles Nest Resort	Branson	MO	2BD
61576	4/10/10	4/17/10	Eagles Nest Resort	Branson	MO	2BD
62911	4/10/10	4/17/10	White Oak Lodge	Gatlinburg	TN	3BD
61854	4/17/10	4/24/10	Anglers Cove Condos	Marco Island	FL	2BD
55940	4/17/10	4/24/10	CO-CRMR Breckenridge	Breckenridge	CO	2BD
56122	4/17/10	4/24/10	CO-CRMR Frisco	Frisco	CO	2BD
56202	4/17/10	4/24/10	CO-CRMR Frisco	Frisco	CO	2BD
60112	4/17/10	4/24/10	CO-Meadow Ridge @ Remax	Winter Park	CO	2BD
60294	4/17/10	4/24/10	CO-Meadow Ridge @ Remax	Winter Park	CO	2BD
60633	4/23/10	4/30/10	Bahia Mar Resort	South Padre Island	TX	2BD
60718	4/23/10	4/30/10	Bahia Mar Resort	South Padre Island	TX	2BD
61855	4/24/10	5/1/10	Anglers Cove Condos	Marco Island	FL	2BD
61919	4/24/10	5/1/10	Anglers Cove Condos	Marco Island	FL	2BD
62710	4/24/10	5/1/10	Cabins At Mountain Falls	Pigeon Forge	TN	2BD
62766	4/24/10	5/1/10	Cabins At Mountain Falls	Pigeon Forge	TN	2BD
62822	4/24/10	5/1/10	Cabins At Mountain Falls	Pigeon Forge	TN	2BD
55941	4/24/10	5/1/10	CO-CRMR Breckenridge	Breckenridge	CO	2BD
56029	4/24/10	5/1/10	CO-CRMR Breckenridge	Breckenridge	CO	3BD
56123	4/24/10	5/1/10	CO-CRMR Frisco	Frisco	CO	2BD
56203	4/24/10	5/1/10	CO-CRMR Frisco	Frisco	CO	2BD
60113	4/24/10	5/1/10	CO-Meadow Ridge @ Remax	Winter Park	CO	2BD
60171	4/24/10	5/1/10	CO-Meadow Ridge @ Remax	Winter Park	CO	2BD
60295	4/24/10	5/1/10	CO-Meadow Ridge @ Remax	Winter Park	CO	2BD
61578	4/24/10	5/1/10	Eagles Nest Resort	Branson	MO	2BD
62142	4/24/10	5/1/10	Peppertree Atlantic Beach	Outerbanks	NC	2BD
62913	4/24/10	5/1/10	White Oak Lodge	Gatlinburg	TN	3BD
60634	4/30/10	5/7/10	Bahia Mar Resort	South Padre Island	TX	2BD
61856	5/1/10	5/8/10	Anglers Cove Condos	Marco Island	FL	2BD
61920	5/1/10	5/8/10	Anglers Cove Condos	Marco Island	FL	2BD
62767	5/1/10	5/8/10	Cabins At Mountain Falls	Pigeon Forge	TN	2BD
62823	5/1/10	5/8/10	Cabins At Mountain Falls	Pigeon Forge	TN	2BD
55942	5/1/10	5/8/10	CO-CRMR Breckenridge	Breckenridge	CO	2BD
56030	5/1/10	5/8/10	CO-CRMR Breckenridge	Breckenridge	CO	3BD
56124	5/1/10	5/8/10	CO-CRMR Frisco	Frisco	CO	2BD
56204	5/1/10	5/8/10	CO-CRMR Frisco	Frisco	CO	2BD
60114	5/1/10	5/8/10	CO-Meadow Ridge @ Remax	Winter Park	CO	2BD
60172	5/1/10	5/8/10	CO-Meadow Ridge @ Remax	Winter Park	CO	2BD
61579	5/1/10	5/8/10	Eagles Nest Resort	Branson	MO	2BD
60635	5/7/10	5/14/10	Bahia Mar Resort	South Padre Island	TX	2BD
60720	5/7/10	5/14/10	Bahia Mar Resort	South Padre Island	TX	2BD
60003	5/7/10	5/14/10	Wintergreen Condominiums	Midway/Park City	UT	2BD
61857	5/8/10	5/15/10	Anglers Cove Condos	Marco Island	FL	2BD
62712	5/8/10	5/15/10	Cabins At Mountain Falls	Pigeon Forge	TN	2BD
62768	5/8/10	5/15/10	Cabins At Mountain Falls	Pigeon Forge	TN	2BD
62824	5/8/10	5/15/10	Cabins At Mountain Falls	Pigeon Forge	TN	2BD
55943	5/8/10	5/15/10	CO-CRMR Breckenridge	Breckenridge	CO	2BD
56031	5/8/10	5/15/10	CO-CRMR Breckenridge	Breckenridge	CO	3BD
56125	5/8/10	5/15/10	CO-CRMR Frisco	Frisco	CO	2BD
56205	5/8/10	5/15/10	CO-CRMR Frisco	Frisco	CO	2BD
60115	5/8/10	5/15/10	CO-Meadow Ridge @ Remax	Winter Park	CO	2BD
60173	5/8/10	5/15/10	CO-Meadow Ridge @ Remax	Winter Park	CO	2BD
61535	5/8/10	5/15/10	Eagles Nest Resort	Branson	MO	2BD