WWVBD

[C3C7NIC]

My precious grandma was a "diversify kind of gal" when it came to finances. We were often gifted gold, precious gemstones and EE savings bonds.

Bonds that have reached their max 20 maturity and have been reinvested elsewhere, EE bonds are gauranteed to double in value at 20 years.

Would you let ALL bonds reach maturity or place in another investment PRE maturity?

My newest bond will not mature for another 19 years.

WWVB do?

https://media.giphy.com/media/26uf9aMR7LEn9WWMo/giphy.gif

[04 commemorative]

cash in and reinvest in something better

[96 Vette CE]

As long as the money is not needed, why not let them mature? After all that's why your GM purchased them in the first place, right? :island14:

[JetMechZ16]

As long as the money is not needed, why not let them mature? After all that's why your GM purchased them in the first place, right? :island14:

Cause as old as she is now she'll be dead before they mature. :leaving:

[96 Vette CE]

Cause as old as she is now she'll be dead before they mature. :leaving:


Oh damn, Nic is a little long in the tooth? :needcoffee:

[C3C7NIC]

Cause as old as she is now she'll be dead before they mature. :leaving:

I find this ironic coming from your old azz.

Hell, you can't even type a numerical value in correctly on a work order. Dementia much?
:rofl:


As long as the money is not needed, why not let them mature? After all that's why your GM purchased them in the first place, right? :island14:

Correct > $200 bond purchased at $100 and is getting 4% interest and is now worth over $415 at maturity, and gauranteed. so......

cash in and reinvest in something better

Such as? :popcorns:

[Strats-N-Vettes]

Oh damn, Nic is a little long in the tooth? :needcoffee:

She's not Craw Dog or Mr. Ben old (Victorian era), but from her pics she got be mid to late 70's...... :ack:

[Bill]

I find this ironic coming from your old azz.

Hell, you can't even type a numerical value in correctly on a work order. Dementia much?
:rofl:




Correct > $200 bond purchased at $100 and is getting 4% interest and is now worth over $415 at maturity, and gauranteed. so......



Such as? :popcorns:
\


Hookers and blow is always considered a respectable investment here at the VB......

[C3C7NIC]

She's not Craw Dog or Mr. Ben old (Victorian era), but from her pics she got be mid to late 70's...... :ack:


Pipe down gator breath. :chainsaw:

https://media.giphy.com/media/l0IyajjbNiRvCr7RC/giphy.gif

[96 Vette CE]

Correct > $200 bond purchased at $100 and is getting 4% interest and is now worth over $415 at maturity, and gauranteed. so......


*guaranteed :bigwink:


That's not a bad return. I'd sit on it for the time being :yesnod:



She's not Craw Dog or Mr. Ben old (Victorian era), but from her pics she got be mid to late 70's...... :ack:


:Jeff '79::Jeff '79:

[Strats-N-Vettes]

Pipe down gator breath. :chainsaw:





The wise man checks for paper upon entering the stall.

[96 Vette CE]

The wise man checks for paper upon entering the stall.

:iagree:


36505

[JetMechZ16]

Pipe down gator breath. :chainsaw:

https://media.giphy.com/media/l0IyajjbNiRvCr7RC/giphy.gif

Pics of you in your prime? Oh, here's one.

36506

[C3C7NIC]

Bring it you old fuqs.....

https://media.giphy.com/media/dUMo7xp22xadq/giphy.gif

[z06psi]

STFU. You're older than me grandma.

[Mick]

WWVBD? In my limited experience here, it looks like this:

1. Smoke a lot of stuff.
2. Drink a lot of alcohol.
3. Post a lot of dumb shit on the board.
4. Pass out around midnight.
5. Get up about noon and do it all over again.

You're welcome.

[C3C7NIC]

STFU. You're older than me grandma.

Go post up your BS over there------------->


Oh wait..

https://media.giphy.com/media/hxc32veg6tbqg/giphy.gif

https://media.giphy.com/media/OhrNfRrBxgz16/giphy.gif

:banana1:

[z06psi]

Pipe down gramsy.

[Strats-N-Vettes]

Go post up your BS over there------------->
Oh wait..



Pipe down gramsy.

[Steve_R]

Does it really matter for a few hundred dollars? :shrug:

[C3C7NIC]

Pipe down gramsy.

https://youtu.be/JsBTs28bN-M

[Strats-N-Vettes]

https://youtu.be/JsBTs28bN-M

:yesnod:...

[C3C7NIC]

Pipe down gramsy.

Recognize this girl?

https://youtu.be/Nb7NLh54zqE

[C3C7NIC]

Does it really matter for a few hundred dollars? :shrug:

Absolutely, my cheap ass would pick up a quater on the sidewalk! :thumbsup:

[Steve_R]

Absolutely, my cheap ass would pick up a quater on the sidewalk! :thumbsup:

If it's not at least a hundie I leave it there. :dance:

[C3C7NIC]

If it's not at least a hundie I leave it there. :dance:

That is why your azz is a baller and I am a poor poor old granny. :monkeybutt:

[Egnalf]

It would really depend on the amount and your tax structure. For a small amount, let it be until such time as it matures. for a decent amount, say a few thousand, you could flip them into cash, then buy a blue chip stock which pays a decent dividend every quarter and let that ride until you need the cash later in life.
I have a stack of EE bonds I bought through my old employer back in the nineties, but cant cash them in right now due to my tax bracket so they sit in a drawer.

[Strats-N-Vettes]

Recognize this girl?

https://youtu.be/Nb7NLh54zqE



That's a girl?...if so:
:yesnod:

[C3C7NIC]

It would really depend on the amount and your tax structure. For a small amount, let it be until such time as it matures. for a decent amount, say a few thousand, you could flip them into cash, then buy a blue chip stock which pays a decent dividend every quarter and let that ride until you need the cash later in life.

We are well diversified, have about the max that we want in all investments except gold or realestate > hubs wants GOLD!

https://www.pointsincase.com/files/u2/sean-kingston-crayon-necklace.jpg

[C3C7NIC]

That's a girl?...if so:
:yesnod:

:funniest::funniest::funniest::funniest::funniest:

Dem titties look legit...... :thumbsup:

[Egnalf]

We are well diversified, have about the max that we want in all investments except gold or realestate > hubs wants GOLD!

https://www.pointsincase.com/files/u2/sean-kingston-crayon-necklace.jpg

simple answer then, sell, pay any taxes due and head to the jewelry store. Doesn't someone here own one in florida?

[Egnalf]

There is something you need to know. See this link. E bonds are guaranteed to double at the 20 year mark regardless of interest rate. Also, if you own EE bonds and cash prior to the five year mark, there is a penalty. https://www.forbes.com/sites/robertberger/2017/04/03/8-fun-facts-about-ee-bonds-including-how-to-avoid-paying-taxes-on-the-interest/#1b7e8d5655fc

[MadInNc]

Porter says he can run circles around all of us. Here’s proof....

[JetMechZ16]

Porter says he can run circles around all of us. Here’s proof....

When they get his meds just right he can still be pretty mobile.:yesnod:

[C3C7NIC]

There is something you need to know. See this link. E bonds are guaranteed to double at the 20 year mark regardless of interest rate. Also, if you own EE bonds and cash prior to the five year mark, there is a penalty. https://www.forbes.com/sites/robertberger/2017/04/03/8-fun-facts-about-ee-bonds-including-how-to-avoid-paying-taxes-on-the-interest/#1b7e8d5655fc

Yep. All mine are WAY older than 5 years. Treasury direct has a great bond tracker.

[JetMechZ16]

Absolutely, my cheap ass would pick up a quater on the sidewalk! :thumbsup:

Is that kinda like the thing the Phillipino chicks do in Subic Bay?

Pics of you picking up quaters with your ass.

[carlton_fritz]

That is why your azz is a baller and I am a poor poor old granny. :monkeybutt:
Wait, you are female? Pics?:leaving:

[carlton_fritz]

It would really depend on the amount and your tax structure. For a small amount, let it be until such time as it matures. for a decent amount, say a few thousand, you could flip them into cash, then buy a blue chip stock which pays a decent dividend every quarter and let that ride until you need the cash later in life.
I have a stack of EE bonds I bought through my old employer back in the nineties, but cant cash them in right now due to my tax bracket so they sit in a drawer.
My tax bracket is different than yours. Send them to me.

[Strats-N-Vettes]

Wait, you are female? Pics?:leaving:

:yesnod:
But unless you're female you aint on the same team.
:dance:

[carlton_fritz]

:yesnod:
But unless you're female you aint on the same team.
:dance:
I'm one of those dudes that women love to hate.

[Strats-N-Vettes]

I'm one of those dudes that women love to hate.


OK....you got me...LOL
You're gay too?
NTTIAWWT

[sublime1996525]

You're all a bunch of old fuqs.

****ing Millenials.

[C3C7NIC]

You're all a bunch of old fuqs.

****ing Millenials.

Get your facts "straight" snowflake.

I'm a MILF, or um, actually >> GILF.

:leghump::bigwink:

[BOTY]

Does it really matter for a few hundred dollars? :shrug:

If you have a few hundred of them it does.

[JetMechZ16]

Get your facts "straight" snowflake.

I'm a MILF, or um, actually >> GILF.

:leghump::bigwink:

You forgot, Published Author.

36527

[sublime1996525]

Get your facts "straight" snowflake.

I'm a MILF, or um, actually >> GILF.

:leghump::bigwink:

Oh my bad. Definitely a GILF...I would ;)

You forgot, Published Author.

36527

Bahahahahahahahahhahaha

[C3C7NIC]

Oh my bad. Definitely a GILF...I would ;)



Bahahahahahahahahhahaha

Bring it you whipper snapper. :99pewtercoupe:
Pick up some Ben~Gay, you're gonna need it!

https://media.giphy.com/media/iAtCBCLWx5CFi/giphy.gif

[higgyburners]

You forgot, Published Author.

36527

:rofl::rofl::rofl:

[C3C7NIC]

BACK on topic.


So, if a bond was purchased for $100 in 1989 and is now worth $416. What was the rate of interest? :popcorns:

[Aerovette]

Absolutely, my cheap ass would pick up a quater on the sidewalk! :thumbsup:

In a skirt? :drool:

[Aerovette]

Bring it you whipper snapper. :99pewtercoupe:
Pick up some Ben~Gay, you're gonna need it!

https://media.giphy.com/media/iAtCBCLWx5CFi/giphy.gif

She means for your ass....as lube. Don't do it. :willy:

[Hardluck]

BACK on topic.


So, if a bond was purchased for $100 in 1989 and is now worth $416. What was the rate of interest? :popcorns:

4.9%, not bad.

[BADRACR1]

36552:BADRACR1::BADRACR1::BADRACR1:

[BADRACR1]

Get your facts "straight" snowflake.

I'm a MILF, or um, actually >> GILF.

:leghump::bigwink:

Pics?:shots::BADRACR1:

[BOTY]

36552:BADRACR1::BADRACR1::BADRACR1:

I think she has two. :rofl:

[BOTY]

Pics?:shots::BADRACR1:

Not hard on the eyes, her chitter is full pic is great. :seasix:

[Hardluck]

Not hard on the eyes, her chitter is full pic is great. :seasix:

That's MY Boo!:hurray:

STFU Murratski!:yesnod:

[carlton_fritz]

OK....you got me...LOL

You're gay too?
NTTIAWWT
Women love gay dudes. They do not love me. And there is something very wrong with being gay. Always in fun.

[BOTY]

Women love gay dudes. They do not love me. And there is something very wrong with being gay. Always in fun.


You need a hook up broheim? :seasix:

[carlton_fritz]

You need a hook up broheim? :seasix:
Need? Yes. Want? Not so sure these days with all the retardation in people.

[BOTY]

Need? Yes. Want? Not so sure these days with all the retardation in people.

:D I hear ya. Just go shopping at a grocery store, and pay attention to who is wearing a ring. Employee or customer, talk them up a bit. They probably get morning coffee somewhere ask to meet for morning coffee. :seasix: or a quick lunch sandwich place, the chicks love Panera. Too strong is a dick move just a quick extra meet n greet, a few times you will find someone. :seasix:

[BOTY]

If I were closer I could be your wingman , this chit isn't hard. :seasix:

[C3C7NIC]

Not hard on the eyes, her chitter is full pic is great. :seasix:

Well, I do show a lot of leg skin in that one.

I know how much some here love my knobby knees.

:rofl:

[C3C7NIC]

:D I hear ya. Just go shopping at a grocery store, and pay attention to who is wearing a ring. Employee or customer, talk them up a bit. They probably get morning coffee somewhere ask to meet for morning coffee. :seasix: or a quick lunch sandwich place, the chicks love Panera. Too strong is a dick move just a quick extra meet n greet, a few times you will find someone. :seasix:


Yep, I see where your boy gets it.


You should talk to Doug about these enlightening relationship ideas!


:thumbsup::c3c7nic:

[z06psi]

Well, I do show a lot of leg skin in that one.

I know how much some here love my knobby knees.

:rofl:

:puke::puke::puke::puke::puke::puke:

[Strats-N-Vettes]

Pics?:shots::BADRACR1:


Post #39...she's the bride. :yesnod:

[BOTY]

Yep, I see where your boy gets it.


You should talk to Doug about these enlightening relationship ideas!


:thumbsup::c3c7nic:

Some guys overthink it. It's just a natural thing. :seasix:

[BOTY]

:puke::puke::puke::puke::puke::puke:

fugger :D

[z06psi]

fugger :D

:D

[BOTY]

:D

Leave Nicky knee high alone, she can't handle on-line critique. :rofl:

[Aerovette]

:D I hear ya. Just go shopping at a grocery store, and pay attention to who is wearing a ring. Employee or customer, talk them up a bit. They probably get morning coffee somewhere ask to meet for morning coffee. :seasix: or a quick lunch sandwich place, the chicks love Panera. Too strong is a dick move just a quick extra meet n greet, a few times you will find someone. :seasix:

Whoa, slow down. I'm taking notes. :D

[04 commemorative]

I find this ironic coming from your old azz.

Hell, you can't even type a numerical value in correctly on a work order. Dementia much?
:rofl:




Correct > $200 bond purchased at $100 and is getting 4% interest and is now worth over $415 at maturity, and gauranteed. so......



Such as? :popcorns:

https://stockinvest.us/TWMJF-stock-price

[C3C7NIC]

https://stockinvest.us/TWMJF-stock-price


We have plenty of $$ allocated to the market at this point in time.

Looks like stable growth.

[Egnalf]

you could look at annuities <777>

[Egnalf]

<that one dude> you could start a thred discussing paying down mortgage principal.

[Raazor]

I don't know... I'd error on the side of caution. The stock market is just shy of an eleven year bull run. A few months ago, MSM was thinking a recession was near and now they're all backtracking and thinking 2020 will be good. Regardless, not a good time in my opinion.

I'm that guy that is big on paying off mortgage or better yet, any other debt with higher interest and no deductions.

There are so many factors to consider and we don't know you're situation 100% so you're better off doing whatever will let you sleep better at night or if it's a lot of money, hire a professional.

these are good problems to have :)

:seasix:

[C3C7NIC]

I don't know... I'd error on the side of caution. The stock market is just shy of an eleven year bull run. A few months ago, MSM was thinking a recession was near and now they're all backtracking and thinking 2020 will be good. Regardless, not a good time in my opinion.

I'm that guy that is big on paying off mortgage or better yet, any other debt with higher interest and no deductions.

There are so many factors to consider and we don't know you're situation 100% so you're better off doing whatever will let you sleep better at night or if it's a lot of money, hire a professional.

these are good problems to have :)

:seasix:

Agree and agree.

We are blessed to be free of any debt.

[Mick]

We have plenty of $$ allocated to the market at this point in time.

Looks like stable growth.

Can you give us more details on what "stable growth" is? My wife and I have the same problem, we want to take some of the equity money off the table, but the question becomes "what do we do with it?".

She also wants to sell one of our investment properties, but I have some good ideas of what to do with those proceeds (basically, get into a better investment property), but we are having a very hard time finding a cash return to fund retirement until Medicare and SS kick in.

[C3C7NIC]

Can you give us more details on what "stable growth" is? My wife and I have the same problem, we want to take some of the equity money off the table, but the question becomes "what do we do with it?".

She also wants to sell one of our investment properties, but I have some good ideas of what to do with those proceeds (basically, get into a better investment property), but we are having a very hard time finding a cash return to fund retirement until Medicare and SS kick in.

I dumped my FA when my market investments were pulling in avg 15%over 10 yrs; under my watch and his was at 10% (not counting his fees).

W/O divulging number or too many details, we are mortgage free and have no loans or CC.

Although well diversified not sure where to "invest" $ moving forward. I feel the market is at or near it's peak, so not going to add much there.

Consulted a new FA and they said we were "unicorns" in this day and age to have lived so frugal and be debt free at our age. Said we should max out our work matched retirements but did not offer any other solid advise. :popcorns:

[dvarapala]

Consulted a new FA and they said we were "unicorns" in this day and age to have lived so frugal and be debt free at our age.

Easy to live frugal in a part of the country where houses still cost $100,000. :D

[C3C7NIC]

Easy to live frugal in a part of the country where houses still cost $100,000. :D


My first house was a POS 3 bed 1200 sqft 2 car garage previous rent house that had seen major abuse. Bought for in the mid 30’s. Smelled so bad we had to put bleach on the foundation after we ripped the carpet/padding out.

Lived in it a few years, did all updates and sold it for almost double what we paid. Flipping houses can me moderately lucrative, especially if you do a lot of the work.

I’m ok with living here in my 4K sqft house, with land and being debt free. Could not do that in CA. My salary is the same in CA as it is here, just goes a hell of a lot farther here. :monkeybutt::monkeybutt:

[dvarapala]

I’m ok with living here in my 4K sqft house, with land and being debt free. Could not do that in CA. My salary is the same in CA as it is here, just goes a hell of a lot farther here. :monkeybutt::monkeybutt:

Mad props to you and your priorities. :yesnod:

My only debt is a mortgage, and to me that's worth it for all the magic of living in SoCal. I've lived in cheaper parts of the country and run away screaming. :yesnod:

[Raazor]

Mad props to you and your priorities. :yesnod:

My only debt is a mortgage, and to me that's worth it for all the magic of living in SoCal. I've lived in cheaper parts of the country and run away screaming. :yesnod:

I was on Pismo Beach Wed evening... what a great place! Then we drove south in to LA... oh **** no! :eek::eek: :cuss::cuss:

There are great and horrible places in almost every city and state. But CA is flat out crazy expensive to live. One of my managers out there wants to step down to a sales job and move to NM or West TX. Can't say that I blame him.

Nic, good on your for living the way you do. We have done the same thing also for decades. I've had ONE toy in 27 years of marriage... a Vette I bought used. I've never had a boat, ATV, 2nd home, motorcycle, motor home or trailer... I did join one vacation club that we've used every year since 1997 and made us money since we were going to vacation anyway.

[dvarapala]

I was on Pismo Beach Wed evening... what a great place! Then we drove south in to LA... oh **** no! :eek::eek: :cuss::cuss:

There are great and horrible places in almost every city and state. But CA is flat out crazy expensive to live.

No doubt. :yesnod:

The only way to survive here is to either be uber rich, or to have established yourself back in the early 90s when property was still (barely) affordable.

I'm fortunate enough to be in the latter group. :yesnod:

[Raazor]

No doubt. :yesnod:

The only way to survive here is to either be uber rich, or to have established yourself back in the early 90s when property was still (barely) affordable.

I'm fortunate enough to be in the latter group. :yesnod:

you will make bank on your investment :yesnod:

[dvarapala]

you will make bank on your investment :yesnod:

Already did that once. :yesnod:

Bought our first house in 1997 for $300,000. Sold it 4-1/2 years later for $525,000.

Bought a house in Tucson for $369,000
Sold it later for $469,000.

Moved back to SoCal, bought a house for $500,000.

This house is now worth $900,000+.

Beats the poo-poo out of Wall Street. :D

[Raazor]

Already did that once. :yesnod:

Bought our first house in 1997 for $300,000. Sold it 4-1/2 years later for $525,000.

Bought a house in Tucson for $369,000
Sold it later for $469,000.

Moved back to SoCal, bought a house for $500,000.

This house is now worth $900,000+.

Beats the poo-poo out of Wall Street. :D

not everywhere but certainly in CA and good timing during the Great Recession everywhere else.

Well done :seasix:

[C3C7NIC]

Already did that once. :yesnod:

Bought our first house in 1997 for $300,000. Sold it 4-1/2 years later for $525,000.

Bought a house in Tucson for $369,000
Sold it later for $469,000.

Moved back to SoCal, bought a house for $500,000.

This house is now worth $900,000+.

Beats the poo-poo out of Wall Street. :D

Agree, if you got in years ago, your equity in your home will save you. :cert:


Parts of CA are spectacular, why we visit, but with family here and up and down the E coast, could never see us living there. Plus the taxes and liberals seem to be too much for me to tolerate.

[Hardluck]

Agree, if you got in years ago, your equity in your home will save you. :cert:


Parts of CA are spectacular, why we visit, but with family here and up and down the E coast, could never see us living there. Plus the taxes and liberals seem to be too much for me to tolerate.

Plus the worst part, Frek and Adog live there!:yesnod:

[C3C7NIC]

Already did that once. :yesnod:

Bought our first house in 1997 for $300,000. Sold it 4-1/2 years later for $525,000.

Bought a house in Tucson for $369,000
Sold it later for $469,000.

Moved back to SoCal, bought a house for $500,000.

This house is now worth $900,000+.

Beats the poo-poo out of Wall Street. :D

If this question is inappropriate, I understand. But what is your annual property tax? What is your income tax % and what is sales tax? It’s hard to make your money work for you when CA wants to control so much of it.

[04 commemorative]

If you pay taxes....you are never out of debt :cry::nonod:

[Raazor]

If you pay taxes....you are never out of debt :cry::nonod:

truth:cuss::cuss:

[BOTY]

Easy to live frugal in a part of the country where houses still cost $100,000. :D

Have you seen pic's of their house ? :rofl:

[BOTY]

truth:cuss::cuss:

:iagree:

[Raazor]

Have you seen pic's of their house ? :rofl:

She showed pics when she was working on it :seasix:

[Egnalf]

all kidding aside, have you looked at, or do you know anything about REIT's. it may be worth exploring since you seem otherwise well sorted.

https://money.usnews.com/funds/mutual-funds/real-estate/vanguard-real-estate-index-fund/vgsix

[dvarapala]

Have you seen pic's of their house ? :rofl:

I've seen pics of the fence... :shrug:

[Egnalf]

If you pay taxes....you are never out of debt :cry::nonod:

truth:cuss::cuss:

exactly why the pay off your mortgage thing doesn't matter. so long as there is an incorporated town and the bill taxes, you never own it outright. skip a tax payment or two and find out for sure. :dance:

[Cool 50th AE]

Don’t ask me.
I’ve kept most of my money in checking accounts and 1.5% CD’s for the last 10 years.

Bought my house 10 years ago and put 150K into it and now it’s worth just slightly less than I paid for it.

I’m a financial genius.

[Raazor]

Don’t ask me.
I’ve kept most of my money in checking accounts and 1.5% CD’s for the last 10 years.

Bought my house 10 years ago and put 150K into it and now it’s worth just slightly less than I paid for it.

I’m a financial genius.

Don't Porter your money bruh... jus sayin :yesnod:

[Mick]

I dumped my FA when my market investments were pulling in avg 15%over 10 yrs; under my watch and his was at 10% (not counting his fees).

W/O divulging number or too many details, we are mortgage free and have no loans or CC.

Although well diversified not sure where to "invest" $ moving forward. I feel the market is at or near it's peak, so not going to add much there.

The house we live in AND the investment property I am trying to sell are owned outright. I have a loan on the other property, but I have been paying that down pretty aggressively.

Consulted a new FA and they said we were "unicorns" in this day and age to have lived so frugal and be debt free at our age. Said we should max out our work matched retirements but did not offer any other solid advise. :popcorns:

From his perspective, you probably are unicorns because people who are good with money rarely need a fancy FA. My wife and I have always taken the max match monies that were available.

But the question still remains, where to get a decent cash income that we could live on, and pay for health insurance? I can get about 2% out of Treasuries, and decent dividend payers, but is there anything reasonably low-risk where I can get 4-5%? If so, I don't know what it is. :shrug:

[NCC-1701]

In 19 years I'll be in a pine box singing with the Angels...