Cabinets were finished yesterday. They look spectacular...
Sorry posts are brieft, but time is flying and I'm out again!
Saturday, December 12, 2009
Thursday, December 10, 2009
I did it
I got my shutters. They will be installed in 4-6 weeks and out the door with tax and installation, $1,900.00
But i'm glad I got them.
My contractor friend should be coming over to install my kitchen today while i'm at work (boyfriend is letting him in). and his buddy will install my AC unit for $100.00 cause he's a nice guy and i'm getting the "friend" discount.
woot woot.
But i'm glad I got them.
My contractor friend should be coming over to install my kitchen today while i'm at work (boyfriend is letting him in). and his buddy will install my AC unit for $100.00 cause he's a nice guy and i'm getting the "friend" discount.
woot woot.
Saturday, December 05, 2009
or not
I might not pass up on the sliding shutters of heaven that I desire.
I did a better google job, called a company, and they are coming out on Monday for a free estimate.
If its too much $$$$$$ then i'll get drapes or something like that. but i'll make a decision by Monday afternoon and that makes me feel better.
I did a better google job, called a company, and they are coming out on Monday for a free estimate.
If its too much $$$$$$ then i'll get drapes or something like that. but i'll make a decision by Monday afternoon and that makes me feel better.
Blinds | kitchen cabinets
I think I'm going to take a PASS on the plantation slider doors that I really want in my condo.
I'm having a really hard time getting in contact with a company to even get a quote about them, and since i'm dissatisfied with EMPIRE DIRECT and the tile fiasco, I don't want to give them my money and have them do it. I believe you earn a customer and they did not earn my business so I don't want to give them anymore business or money.
Which means, I now need to figure out some kind of way to cover my sliding glass doors without using those horrible blind things. Looks like i'll be googling that today. Maybe I'll be able to get it done this weekend. That would be nice.
My kitchen cabinets are being delivered on Tuesday (so I had to take another day off of work for my remodel). I'll talk to my contactor tonight and get the number for one of his buddies that is bonded so I can get him to install my A/C unit that I bought. I'll be turning in the HOA forms this week for it to be approved.
This Sunday I think we are going to attempt to move some of my bedroom furniture over ... and on Monday I plan on throwing things away/taking things to goodwill/ or setting them aside for a possible church rummage sale.
I have less then 30 days... its time to get a move on it. (I also need to buy the microwave and garbage disposal for my kitchen still... and take back the fawcets I bought for the kitchen-- wrong one)
I'm having a really hard time getting in contact with a company to even get a quote about them, and since i'm dissatisfied with EMPIRE DIRECT and the tile fiasco, I don't want to give them my money and have them do it. I believe you earn a customer and they did not earn my business so I don't want to give them anymore business or money.
Which means, I now need to figure out some kind of way to cover my sliding glass doors without using those horrible blind things. Looks like i'll be googling that today. Maybe I'll be able to get it done this weekend. That would be nice.
My kitchen cabinets are being delivered on Tuesday (so I had to take another day off of work for my remodel). I'll talk to my contactor tonight and get the number for one of his buddies that is bonded so I can get him to install my A/C unit that I bought. I'll be turning in the HOA forms this week for it to be approved.
This Sunday I think we are going to attempt to move some of my bedroom furniture over ... and on Monday I plan on throwing things away/taking things to goodwill/ or setting them aside for a possible church rummage sale.
I have less then 30 days... its time to get a move on it. (I also need to buy the microwave and garbage disposal for my kitchen still... and take back the fawcets I bought for the kitchen-- wrong one)
Retirement Perspectives
GUESS WHAT? It's POSITIVE... for the first time since I can remember, my investing is in the GREEN!
My Goal is the leave the workforce on my 55th birthday, 11,476 Days from now...
401 Account: Approximately 2.80 % of my portfolio
• $670.78 (Employer Paid 1% of Salary); $716.82 Worth
o Up 6.86% from inception, +$46.04
o Stable Value Money Market Accounts make up 29.60%
o Milestone 2040 makes up 70.40%
457 Account: Approximately 4.03% of my portfolio
• Was employer funded but future contributions discontinued (minimal interest earned)
o Positive $1,032.70
ING DIRECT Roth IRA: Approximately 10.02% of my portfolio
• $2,500.00 Invested; Worth $2,566.28
o Up 2.65% from inception. Positive $66.28
o CD’s ranging from 1.65% to 4.5% (savings 1.30%).
o Current Average CD rate 2.866%
ShareBuilder Roth IRA Approximately 44.54% of my portfolio
• $11,500 Invested; Worth $11,409.76
o Down 0.78% since inception… Loss of -$90.24
o Strategic Allocation Moderate 99.10%
o Money Market Cash .90%
o I have 1,341.523 Shares
o For my account to break even, shares would have to be: $8.50
o Currently shares are worth:$8.43
Excluding my Pension, my variable retirement accounts are worth $15,725.56. Of that I’ve only invested $14,000 of my money (the rest has been my employer). So technically I’ve made 12.35% If I compare all the “free money” and my contributions (Totals 15,703.48), my portfolio is UP 0.14 % since inception. HOLY WOW… ITS FINALLY IN THE POSITIVE
Pension: Approximately 38.61% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.
Account Cash Value as of 07.01.2008 $9,890.40
• I’m ALSO buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less then a year’s worth of service credit, but I’ll be paying $33.06 for 40 more installments.
My entire portfolio (if I cashed my pension out today) is worth $25,615.96
My Goal is the leave the workforce on my 55th birthday, 11,476 Days from now...
401 Account: Approximately 2.80 % of my portfolio
• $670.78 (Employer Paid 1% of Salary); $716.82 Worth
o Up 6.86% from inception, +$46.04
o Stable Value Money Market Accounts make up 29.60%
o Milestone 2040 makes up 70.40%
457 Account: Approximately 4.03% of my portfolio
• Was employer funded but future contributions discontinued (minimal interest earned)
o Positive $1,032.70
ING DIRECT Roth IRA: Approximately 10.02% of my portfolio
• $2,500.00 Invested; Worth $2,566.28
o Up 2.65% from inception. Positive $66.28
o CD’s ranging from 1.65% to 4.5% (savings 1.30%).
o Current Average CD rate 2.866%
ShareBuilder Roth IRA Approximately 44.54% of my portfolio
• $11,500 Invested; Worth $11,409.76
o Down 0.78% since inception… Loss of -$90.24
o Strategic Allocation Moderate 99.10%
o Money Market Cash .90%
o I have 1,341.523 Shares
o For my account to break even, shares would have to be: $8.50
o Currently shares are worth:$8.43
Excluding my Pension, my variable retirement accounts are worth $15,725.56. Of that I’ve only invested $14,000 of my money (the rest has been my employer). So technically I’ve made 12.35% If I compare all the “free money” and my contributions (Totals 15,703.48), my portfolio is UP 0.14 % since inception. HOLY WOW… ITS FINALLY IN THE POSITIVE
Pension: Approximately 38.61% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.
Account Cash Value as of 07.01.2008 $9,890.40
• I’m ALSO buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less then a year’s worth of service credit, but I’ll be paying $33.06 for 40 more installments.
My entire portfolio (if I cashed my pension out today) is worth $25,615.96
Friday, December 04, 2009
While paying my mortgage...
While I was paying my mortgage for the month, I noticed my escrow account shrunk... which means that my first installment of my property taxes was deducted from my account and paid for me by the bank.
So, I went to the County's website and looked at the bill. (since the bank takes care of it, I never see the bill for myself so I wanted to look at it.)
They value my property (structure and land) at $155,000.00
But I just paid $120,000.00 for it a few months ago. Can that be right? Can they charge me taxes on it for $155,000.00 or shouldn't they be charging me taxes on the 120,000.00 i paid (after all that was the assessment?)
If its really worth $155,000.00 and I only owe $117,500.00 that means I shouldn't pay PMI right?
So, I went to the County's website and looked at the bill. (since the bank takes care of it, I never see the bill for myself so I wanted to look at it.)
They value my property (structure and land) at $155,000.00
But I just paid $120,000.00 for it a few months ago. Can that be right? Can they charge me taxes on it for $155,000.00 or shouldn't they be charging me taxes on the 120,000.00 i paid (after all that was the assessment?)
If its really worth $155,000.00 and I only owe $117,500.00 that means I shouldn't pay PMI right?
Saturday, November 28, 2009
Retirement Perspectives
A few dollars down this week (I didn't buy any shares this friday because I wasn't at a computer... I was shopping.)
My Goal is the leave the workforce on my 55th birthday, 11,483 Days from now...
401 Account: Approximately 2.73 % of my portfolio
• $656.54 (Employer Paid 1% of Salary); $694.23 Worth
o Up 5.79% from inception, +$37.69
o Stable Value Money Market Accounts make up 30.10%
o Milestone 2040 makes up 69.90%
457 Account: Approximately 4.06% of my portfolio
• Was employer funded but future contributions discontinued (minimal interest earned)
o Positive $1,032.66
ING DIRECT Roth IRA: Approximately 10.06% of my portfolio
• $2,500.00 Invested; Worth $2,561.69
o Up 2.46% from inception. Positive $61.69
o CD’s ranging from 1.65% to 4.5% (savings 1.30%).
o Current Average CD rate 2.866%
ShareBuilder Roth IRA Approximately 44.27% of my portfolio
• $11,500 Invested; Worth $11,263.50
o Down 2.05% since inception… Loss of -$236.50
o Strategic Allocation Moderate 98.20%
o Money Market Cash 1.80%
o I have 1,329.661 Shares
o For my account to break even, shares would have to be: $8.50
o Currently shares are worth:$8.33
Excluding my Pension, my variable retirement accounts are worth $15,552.08. Of that I’ve only invested $14,000 of my money (the rest has been my employer). So technically I’ve made 11.08%. If I compare all the “free money” and my contributions (Totals 15,689.16), my portfolio is DOWN 0.87 % since inception.
Pension: Approximately 38.87% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.
Account Cash Value as of 07.01.2008 $9,890.40
• I’m ALSO buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less then a year’s worth of service credit, but I’ll be paying $33.06 for 41 more installments.
My entire portfolio (if I cashed my pension out today) is worth $25,442.48
My Goal is the leave the workforce on my 55th birthday, 11,483 Days from now...
401 Account: Approximately 2.73 % of my portfolio
• $656.54 (Employer Paid 1% of Salary); $694.23 Worth
o Up 5.79% from inception, +$37.69
o Stable Value Money Market Accounts make up 30.10%
o Milestone 2040 makes up 69.90%
457 Account: Approximately 4.06% of my portfolio
• Was employer funded but future contributions discontinued (minimal interest earned)
o Positive $1,032.66
ING DIRECT Roth IRA: Approximately 10.06% of my portfolio
• $2,500.00 Invested; Worth $2,561.69
o Up 2.46% from inception. Positive $61.69
o CD’s ranging from 1.65% to 4.5% (savings 1.30%).
o Current Average CD rate 2.866%
ShareBuilder Roth IRA Approximately 44.27% of my portfolio
• $11,500 Invested; Worth $11,263.50
o Down 2.05% since inception… Loss of -$236.50
o Strategic Allocation Moderate 98.20%
o Money Market Cash 1.80%
o I have 1,329.661 Shares
o For my account to break even, shares would have to be: $8.50
o Currently shares are worth:$8.33
Excluding my Pension, my variable retirement accounts are worth $15,552.08. Of that I’ve only invested $14,000 of my money (the rest has been my employer). So technically I’ve made 11.08%. If I compare all the “free money” and my contributions (Totals 15,689.16), my portfolio is DOWN 0.87 % since inception.
Pension: Approximately 38.87% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.
Account Cash Value as of 07.01.2008 $9,890.40
• I’m ALSO buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less then a year’s worth of service credit, but I’ll be paying $33.06 for 41 more installments.
My entire portfolio (if I cashed my pension out today) is worth $25,442.48
I spent $565.46 on Black Friday… …
I spent $565.46 on Black Friday… …
But before you freak out… I was black Friday shopping for more than just me. My sister owes me $222.50… Boyfriend owes me $81.19
So I spent $261.77…. But I’m puppy sitting this week and am getting $195 from that… Plus I have $50.00 in CC rebates I have to cash still…
Which means I only “spent” 16.77 to finish my sister’s birthday presents (she’s the Big 25), her xmas, her boyfriends xmas, My boyfriends sister, his mother, his father, his brother in law, &&&& bought stuff for my condo.
Success. Since I got $10.00 in target gift cards for every $100.00 I spent on Black Friday, I got $30.00 in gift cards as my commission for the one actually in the stores buying things with my 2% cash back CC.
All that’s left is boyfriends xmas and some small things for friends. (My sister, her boyfriend, and & are going in together to get him a Wii. Maybe I’ll buy that at Target with the $30.00 in gift cards?)
=)
But before you freak out… I was black Friday shopping for more than just me. My sister owes me $222.50… Boyfriend owes me $81.19
So I spent $261.77…. But I’m puppy sitting this week and am getting $195 from that… Plus I have $50.00 in CC rebates I have to cash still…
Which means I only “spent” 16.77 to finish my sister’s birthday presents (she’s the Big 25), her xmas, her boyfriends xmas, My boyfriends sister, his mother, his father, his brother in law, &&&& bought stuff for my condo.
Success. Since I got $10.00 in target gift cards for every $100.00 I spent on Black Friday, I got $30.00 in gift cards as my commission for the one actually in the stores buying things with my 2% cash back CC.
All that’s left is boyfriends xmas and some small things for friends. (My sister, her boyfriend, and & are going in together to get him a Wii. Maybe I’ll buy that at Target with the $30.00 in gift cards?)
=)
Saturday, November 21, 2009
extra check coming my way.
I’m getting an additional paycheck this year that I normally wouldn’t receive. Our last payday for work done in 2009 falls on the first of January (which is a holiday) so they are giving it to us before the holiday so it will be on our 2009 income tax reports… and that means there will be three months where I received an extra check this year!
I normally use my extra paychecks to fund my Roth IRA account… But I’ll be receiving an additional 2 checks in 2010 (July & December)… So, the question becomes—do I put that aside for Roth 2010 and start the year with a good 1,000.00 to invest slowly… use the money to supplement the repairs/remodeling of my casa…
Argument for putting the money in the Roth:
• It means I can start investing right away for 2010. I really like the $100.00 a week method of investing and I’d have the money to start doing that right away, and when the market is possibly at a lower point.
• If I don’t put it into Roth 2010, I’d only have 250 a month or so to funnel into my Roth each month and I wouldn’t max out my account until the end of 2010…
Arguments for putting the money into the condo fund
• A lot of expenses are costing me more than I thought they would and it would be nice to have the money around in case I continue to miscalculate. I want to get my emergency fund up to $10,000.00 in 2010 (6 months), an increase of $3,000.00 from my current account… and with the costs of my remodel more then I planned; I won’t be able to use my tax refund to help accomplish this. The cabinets and new floors are wiping it out… and then some. So making sure I have the money to pay for everything is really important.
• I kind of want new furniture in the living room… and I added my vacation money I saved up to the repairs account when Florida got cancelled… but when I transferred the money, I was saying inside my head, well maybe I’ll buy a new couch with it and entertain more at home and really enjoy my place…
But to be honest, I haven’t been too frugal or spend thrift lately. I’ve gone out to eat and paid for not just me, but boyfriend more this month then most… using the excuses like I don’t have a kitchen and I don’t want to cook at my apartment since my roommate could come home… and its date night so we can’t see your parents and have dinner there… I’m tired… The list goes on.
Plus, a whole remodel is expensive. Just this month alone I bought earthquake insurance$$$, paid for my 6 month Car insurance $$$, a $400 plumber, and other stuff for my condo $$$… I just see my accounts dropping and it’s really tempting to try and be like… “Okay, let’s save this.” But the other side of me is like, “you’ve saved and saved for this for a really long time… and you’ve never bought your own furniture… everything you have is hand me downs…”
I feel like I’m fighting myself. I know I haven’t been as careful as I could have been with my money this month by eating out more and being lazy about some things…
What I Have Left To Spend Money On:
• I still have to get my Wall AC unit fixed/replaced and I can’t do that with friends because it’s a structure issue so a bonded contractor has to install it.
• I still have to buy my counter tops.
• I still need a garbage disposal, and a microwave for the kitchen… and my calculations for the kitchen rely heavily on my friend doing it for free. (the contractor at home depot wanted over $3,000.00 to install the kitchen stuff).
• I still need to get my window treatments done and finish up the baseboards and doorframes in a couple rooms.
I have $5,664.00 in my remodel account (1500 of it was my vacation money).
I think in order to decide what to do with the money I need to get estimates on the Air Conditioning thing and my window treatments. I know the countertops will be around $2500.00 installed or less.
I normally use my extra paychecks to fund my Roth IRA account… But I’ll be receiving an additional 2 checks in 2010 (July & December)… So, the question becomes—do I put that aside for Roth 2010 and start the year with a good 1,000.00 to invest slowly… use the money to supplement the repairs/remodeling of my casa…
Argument for putting the money in the Roth:
• It means I can start investing right away for 2010. I really like the $100.00 a week method of investing and I’d have the money to start doing that right away, and when the market is possibly at a lower point.
• If I don’t put it into Roth 2010, I’d only have 250 a month or so to funnel into my Roth each month and I wouldn’t max out my account until the end of 2010…
Arguments for putting the money into the condo fund
• A lot of expenses are costing me more than I thought they would and it would be nice to have the money around in case I continue to miscalculate. I want to get my emergency fund up to $10,000.00 in 2010 (6 months), an increase of $3,000.00 from my current account… and with the costs of my remodel more then I planned; I won’t be able to use my tax refund to help accomplish this. The cabinets and new floors are wiping it out… and then some. So making sure I have the money to pay for everything is really important.
• I kind of want new furniture in the living room… and I added my vacation money I saved up to the repairs account when Florida got cancelled… but when I transferred the money, I was saying inside my head, well maybe I’ll buy a new couch with it and entertain more at home and really enjoy my place…
But to be honest, I haven’t been too frugal or spend thrift lately. I’ve gone out to eat and paid for not just me, but boyfriend more this month then most… using the excuses like I don’t have a kitchen and I don’t want to cook at my apartment since my roommate could come home… and its date night so we can’t see your parents and have dinner there… I’m tired… The list goes on.
Plus, a whole remodel is expensive. Just this month alone I bought earthquake insurance$$$, paid for my 6 month Car insurance $$$, a $400 plumber, and other stuff for my condo $$$… I just see my accounts dropping and it’s really tempting to try and be like… “Okay, let’s save this.” But the other side of me is like, “you’ve saved and saved for this for a really long time… and you’ve never bought your own furniture… everything you have is hand me downs…”
I feel like I’m fighting myself. I know I haven’t been as careful as I could have been with my money this month by eating out more and being lazy about some things…
What I Have Left To Spend Money On:
• I still have to get my Wall AC unit fixed/replaced and I can’t do that with friends because it’s a structure issue so a bonded contractor has to install it.
• I still have to buy my counter tops.
• I still need a garbage disposal, and a microwave for the kitchen… and my calculations for the kitchen rely heavily on my friend doing it for free. (the contractor at home depot wanted over $3,000.00 to install the kitchen stuff).
• I still need to get my window treatments done and finish up the baseboards and doorframes in a couple rooms.
I have $5,664.00 in my remodel account (1500 of it was my vacation money).
I think in order to decide what to do with the money I need to get estimates on the Air Conditioning thing and my window treatments. I know the countertops will be around $2500.00 installed or less.
NEVER get empire direct to do tile....
Carpet yes, Tile no.
When they come out to finish my tile in the kitchen they will be ripping out all of the existing tile and putting in new tile... with the underlayment this time. Apparently the person who inputted the order didn't put underlayment in the work order.... whatever...
They lost my business for life.
They have to make sure they don't damage my baseboards. if they do they have to fix them too. So i'm going to finish putting them in this week so I don't have to worry about any more door frames and baseboards.
When they come out to finish my tile in the kitchen they will be ripping out all of the existing tile and putting in new tile... with the underlayment this time. Apparently the person who inputted the order didn't put underlayment in the work order.... whatever...
They lost my business for life.
They have to make sure they don't damage my baseboards. if they do they have to fix them too. So i'm going to finish putting them in this week so I don't have to worry about any more door frames and baseboards.
weekly retirement Perspectives
My Goal is the leave the workforce on my 55th birthday, 11,490 Days from now...
401 Account: Approximately 2.73 % of my portfolio
• $656.54 (Employer Paid 1% of Salary); $694.58 Worth
o Up 5.79% from inception, +$38.04
o Stable Value Money Market Accounts make up 30.10%
o Milestone 2040 makes up 69.90%
457 Account: Approximately 4.06% of my portfolio
• Was employer funded but future contributions discontinued (minimal interest earned)
o Positive $1,032.62
ING DIRECT Roth IRA: Approximately 10.06% of my portfolio
• $2,500.00 Invested; Worth $2,561.39
o Up 2.45% from inception. Positive $61.39
o CD’s ranging from 1.65% to 4.5% (savings 1.30%).
o Current Average CD rate 2.866%
ShareBuilder Roth IRA Approximately 44.30% of my portfolio
• $11,500 Invested; Worth $11,276.80
o Down 1.94% since inception… Loss of -$223.20
o Strategic Allocation Moderate 98.20%
o Money Market Cash 1.80%
o I have 1,329.661 Shares
o For my account to break even, shares would have to be: $8.50
o Currently shares are worth:$8.33
Excluding my Pension, my variable retirement accounts are worth $15,565.39. Of that I’ve only invested $14,000 of my money (the rest has been my employer). So technically I’ve made 11.18%. If I compare all the “free money” and my contributions (Totals 15,689.16), my portfolio is DOWN 0.78 % since inception.
Pension: Approximately 38.85% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.
Account Cash Value as of 07.01.2008 $9,890.40
• I’m ALSO buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less then a year’s worth of service credit, but I’ll be paying $33.06 for 41 more installments.
My entire portfolio (if I cashed my pension out today) is worth $25,455.79
401 Account: Approximately 2.73 % of my portfolio
• $656.54 (Employer Paid 1% of Salary); $694.58 Worth
o Up 5.79% from inception, +$38.04
o Stable Value Money Market Accounts make up 30.10%
o Milestone 2040 makes up 69.90%
457 Account: Approximately 4.06% of my portfolio
• Was employer funded but future contributions discontinued (minimal interest earned)
o Positive $1,032.62
ING DIRECT Roth IRA: Approximately 10.06% of my portfolio
• $2,500.00 Invested; Worth $2,561.39
o Up 2.45% from inception. Positive $61.39
o CD’s ranging from 1.65% to 4.5% (savings 1.30%).
o Current Average CD rate 2.866%
ShareBuilder Roth IRA Approximately 44.30% of my portfolio
• $11,500 Invested; Worth $11,276.80
o Down 1.94% since inception… Loss of -$223.20
o Strategic Allocation Moderate 98.20%
o Money Market Cash 1.80%
o I have 1,329.661 Shares
o For my account to break even, shares would have to be: $8.50
o Currently shares are worth:$8.33
Excluding my Pension, my variable retirement accounts are worth $15,565.39. Of that I’ve only invested $14,000 of my money (the rest has been my employer). So technically I’ve made 11.18%. If I compare all the “free money” and my contributions (Totals 15,689.16), my portfolio is DOWN 0.78 % since inception.
Pension: Approximately 38.85% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.
Account Cash Value as of 07.01.2008 $9,890.40
• I’m ALSO buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less then a year’s worth of service credit, but I’ll be paying $33.06 for 41 more installments.
My entire portfolio (if I cashed my pension out today) is worth $25,455.79
Friday, November 20, 2009
dividends = interest!
So, I decided for simplicity’s sake that I would go ahead and look at my dividends as interest. This way I don’t have to change anything around, and to be honest, dividends are interest. It’s the company paying you money for investing in them.
So how do I figure out if it was a smart move to buy mutual funds this year? (Besides the fact that by purchasing more I’ve been able to make up almost all the money I lost). I can compare the interest earned on my CD’s to what I get in dividends!
By the end of the year, I’ll have roughly earned around $60 in interest from my Roth CD’s (on about 2,500 dollars.) – Because CD rates are really pitiful right now… That’s 4.6 times what my Mutual funds should be worth since I’ve contributed $11,500.00 in mutual funds… So, if I earn more than $60.00 in dividends for every $2,500.00 I have invested, it was smarter to buy mutual funds then the CD’s.
So As long as I receive over $276.00 in dividends, It was a good investment move for the year.
AND
According to Google,
My mutual fund is currently offering a Yield of 5.66%
I’m assuming that means I’ll be receiving 5.66% of whatever my mutual funds are worth… So if I base that on yesterday’s closing price of $8.36, that’s $0.47 for every share I have... and since I have 1,317.656 shares that’s $619.00!
I think I like my mutual funds a lot more right now then I did before I fully understoof them (that $600 would put my account into the land of profit!).
So how do I figure out if it was a smart move to buy mutual funds this year? (Besides the fact that by purchasing more I’ve been able to make up almost all the money I lost). I can compare the interest earned on my CD’s to what I get in dividends!
By the end of the year, I’ll have roughly earned around $60 in interest from my Roth CD’s (on about 2,500 dollars.) – Because CD rates are really pitiful right now… That’s 4.6 times what my Mutual funds should be worth since I’ve contributed $11,500.00 in mutual funds… So, if I earn more than $60.00 in dividends for every $2,500.00 I have invested, it was smarter to buy mutual funds then the CD’s.
So As long as I receive over $276.00 in dividends, It was a good investment move for the year.
AND
According to Google,
My mutual fund is currently offering a Yield of 5.66%
I’m assuming that means I’ll be receiving 5.66% of whatever my mutual funds are worth… So if I base that on yesterday’s closing price of $8.36, that’s $0.47 for every share I have... and since I have 1,317.656 shares that’s $619.00!
I think I like my mutual funds a lot more right now then I did before I fully understoof them (that $600 would put my account into the land of profit!).
Tile screwed up...
My tile company didn’t install the underlayment I paid to have installed… therefore I now have another battle with the tile company… who was supposed to call me yesterday.
Guess today will be another angry phone call day.
The plumbing company knocked off an hour of service from the bill… but I’m still very unhappy with them and will likely not use their service in the future… Unless the other company stinks more… *(please, no more plumbing issues???!!!!)*
Remodeling is frustrating…
But I love my carpet... and the tile I chose... (i just wish it was installed correctly...)
Guess today will be another angry phone call day.
The plumbing company knocked off an hour of service from the bill… but I’m still very unhappy with them and will likely not use their service in the future… Unless the other company stinks more… *(please, no more plumbing issues???!!!!)*
Remodeling is frustrating…
But I love my carpet... and the tile I chose... (i just wish it was installed correctly...)
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