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Part Two 2013 Assessment

December 21st, 2013 at 12:25 am

Ever ask yourself if you can do better with your household finances? Ever follow up that question with how? Are you blessed with a mind that determinedly does NOT complicate a solution?

For me, two out of three ain't bad.

My credit union reduced its deposit interest rates (boo! hiss!). My reaction to this is that my $$ need better apportioning among: debt, emergency funds, planned expenditures, and investments. I do not expect 2014 to be as splendiferous to my house value and common stock value slopes.

My Money Market Fund is $2500 shorter than it needs to be for its interest rate to bump from 0.05 to 0.10%.
My CDs earn .35%

My math task will be to determine what three options have the best chance to save me more interest and increase my net worth.

$12,547.34 Heloc 12/15/2012 $411.38
$11,499.80 Heloc 12/15/2013 $363.19

Interest difference:

$109,034.67 Mortgage 12/1/2012 $4,232.48
$100,535.68 Mortgage 12/15/2013 $3,602.97

Interest difference:

$7,568.48 Money Market Account 6/28/2013
$8,800.35 Money Market Account 12/20/2013

0.35 % CDs
0.05 % Money Market Fund
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Price of GE Dec 21, 2012: 20.88
Price of GE Dec 20, 2013: 27.36
Price of PG Dec 21, 2012: 68.74
Price of PG Dec 20, 2013: 81.84
Price of WAG Dec21, 2012 37.21
Price of WAG Dec20, 2013 59.04

House Value December 2012: $310000
House Value December 2013: $372500
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If you've read this far, and you can handle some whimsy and are of a certain vintage or nationality (you can be American and enjoy this, Americans recorded this, but my experience has been more Canadians than Americans roll their eyes at the opening chords; Americans, stay with the medley for your US-patented content, cued at 2:17), please enjoy Seattle band

Text is The Squirrels and Link is http://www.youtube.com/watch?v=qMXau-d2NpE
The Squirrels (no relation to the Chipmunks). No video track, so safe to enjoy.

Posted in Uncategorized | 3 Comments »

3 Responses to “Part Two 2013 Assessment”

  1. baselle Says:
    December 22nd, 2013 at 04:00 am 1387684816
    1387684816

    This dates me, but I remember when they were The New Age Urban Squirrels. (Now you have me remembering their version of Let It Be as a country swing tune.)

    They also did a fantastic parody of Dark Side of the Moon called "Not So Bright Side of the Moon." I wonder YouTube has their version of Money. Smile

  2. PauletteGoddard Says:
    December 22nd, 2013 at 05:36 am 1387690615
    1387690615

    Yes, I saw "Us and Them" on YouTube. My fantasy video for "Seasons in the Sun/The Hustle" is a preteen in a white sheet (no hood) emerging from a coffin on a school stage, the chorus are cowled adults in black cloaks with scythes, faces obscured by deep hoods. As the tempo climbs, the kid screams and runs around the "Death Chorus", who encircle him. A Chorus member does the vocal segue to "The Hustle", and the kid's out of the white sheet and in some Saturday Night Live suit, dancing with the Death Chorus, who've lain their scythes during the segue, ending with the Vice Principal running on stage waving his arms, going "No More!"

  3. PauletteGoddard Says:
    December 22nd, 2013 at 05:40 am 1387690837
    1387690837

    On YouTube on the Ballard Seafood Fest stage, the Squirrels are doing "Let it Snow! Let it Snow! Let it Snow!" to the Clash's "Should I Stay or Should I Go?"

    I took a Seattle newspaper online quiz "What Seattle Band are You?" and I got "The Squirrels."

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