December 2018 Financial Asset Roundup

Here are my current financial assets as of the market close on December 10th, 2018:

Asset	Nov 2018	Dec 2018	Change
Checking	175	3,472	3,297
Money Market	52,172	53,375	1,203
Savings Bonds	155,813	156,136	323
Treasury Bills	10,000	10,000	0
CDs	39,806	57,434	17,500
Brokerage	159,074	155,521	-7,099
401k	167,894	161,647	-3,374
Roth IRA	150,469	143,576	-3,721
SEP IRA	756,094	721,697	-17,787
529 Savings	174,454	174,121	139
Total Assets	$1,658,043	$1,636,979	-$9,519
			-0.58%

The market has continued to drop since the last update, with the S&P 500 falling 3.10% during that time:

(chart courtesy of nasdaq.com)

On the jobs front, the unemployment rate for November remained at 3.7%, although there are hints of slowing with 155,000 new jobs created. Oil prices have continued their slide to the $52 level (down from $56).

On the financial front, I rolled my maturing 28 day T-Bills into new ones with an investment rate of 2.305%. I did take a final 2018 equity distribution from my S Corp and added it to the funds from my matured Penfed 3.04% APY 5 year CD to open a new Penfed 3.50% APY 5 year CD. I have also started to include in my numbers an identical CD opened with proceeds from Mrs. Frugalson's maturing CD since it will be held in the name of our trust instead of her individually with me as the POD beneficiary. As for why, I believe that the FOMC is close ending their rate hikes for now with the global economy getting a bit skittish, so I decided to lock up some money at familiar institution with a competitive rate.

As for the non-financial, Christmas is a couple of weeks away and I've been working on EOY planning for my S Corp. It's hard to believe we're less than a month away from another new year.