Picking up Nickels

Tuesday, December 13, 2011

December 2011 Financial Asset Roundup

Here are my current financial assets as of the market close on December 12th, 2011:

Asset Nov 2011 Dec 2011 Change
Checking 2,391 728 -1,663
Money Market 38,419 40,865 2,446
Savings Bonds 52,318 52,421 103
Treasury Bills 0 0 0
CDs 87,914 88,269 355
Brokerage 101,778 101,106 -672
401k 93,479 92,431 -1,048
Roth IRA 47,921 47,447 -474
SEP IRA 265,455 264,299 -1,156
529 Savings 55,544 55,806 262
Total Assets $745,219 $743,372 -$1,847

The S&P 500 has declined a bit since the last update, dropping 2.17% during that time:

(chart courtesy of msn.com)

On the jobs front, the unemployment rate for November dropped to 8.6%, a significant decline from the 9% rate from October. Oil prices have remained flat at around $98 per barrel, while I've seen my gasoline purchases decrease by about 16ยข per gallon.

On the financial front, I am sadly less than a month away from the end of my 5 year Penfed CD @ 6.25% APY that I opened in January 2007. With such unappealing CD options currently available, I have decided on allocating that cash among a mix of I Bonds, Roth IRA, and 529 Plan contributions throughout 2012. I will also be selling my Procter & Gamble (PG) stock this month to take advantage of the 0% tax on dividends and capital gains, although I seem to be holding out for a Santa Claus Rally that probably won't be arriving this year.

I'm also planning on providing an annual grocery price inflation update this month as I wrap things up for the close of the 2011 business year for my S Corporation and get prepped for what I hope will be another wonderful Christmas holiday with my family.


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