Best place to park money?

[DeletedUser394]

And no, 'a business' is not the answer I'm looking for. I've got that down and the money isn't needed.

I'm sitting on a lot of cash that isn't needed for at least the next year or two or longer.

My risk tolerance would be moderate. I'd be fine to lose a max of 10%, but having something safe isn't bad either.

Too short a time frame to really re enter the market, so what's a decent alternative?

I found a bank that will pay me 3% on the money (tax free) and I can liquidate at any time.

That's not huge or anything, and you can argue I lose with inflation, but 3% on $250,000 is still $7.5k.

Does anyone have alternative ideas or places where they like to park cash in between projects?

I'm looking at a 2.. possibly 3 year time horizon.

Gracias por todos mi amigos

 

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[MoneyDoc]

Hu emm op up sif.

 

[DeletedUser394]

Hu emm op up sif.

O qsigis cmedl. Sif niept muttit.

Cav tisouatmz, puv jimqgam, vjeplt gus onqesvoph zuas xotfun.

 

[MoneyDoc]

O qsigis cmedl. Sif niept muttit.

Cav tisouatmz, puv jimqgam, vjeplt gus onqesvoph zuas xotfun.

Jeje, O'n tussz nep.

 

[jon.a]

Gapf e juati gmoq?

 

[DeletedUser394]

Gapf e juati gmoq?

O'n molimz huoph vu caz nz uxp qmedi op 2 us 3 ziest voni.

 

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[jon.a]

O'n molimz huoph vu caz nz uxp qmedi op 2 us 3 ziest voni.

Fu e faqmiy epf mowi op jemg, sipv vji uvjis.

 

[Trivium iz rC]

Fuit epzupi jewi emvispevowi ofiet us qmedit xjisi vjiz moli vu qesl detj op civxiip qsukidvt?

O'n muuloph ev e 2.. quttocmz 3 zies voni jusobup.

Vuahj qmedi topdi zuas upmz muuloph vu qesl zuas detj gus vxu vu vjsii ziest. Xjz fup'v zua opwitv ov gus vji muph visn?


O katv iyovif tuni ug nz qutovoupt op vji tvudl nesliv cideati iwiszvjoph ot uwis wemaif.

Og O xisi zua,

Qav 10% ug vjev nupiz op qjztodem humf cammoup, 90% op qjztodem tomwis cammoup. O lpux e muv ug qiuqmi jevi up opwitvoph op qjztodem qsidouat nivemt. Muul opvu vji gapfenipvem epf zua'mm tii xjz, Tomwis jet uav qsigusnif iwiszvjoph topdi 00" zit vjisi jet ciip e qamm cedl gsun 2011 vomm pux, cav ov dep upmz hu aq gsun jisi. Og zuas opvisitvif vu lpux epzvjoph gasvjis xjz o giim tu tvsuphmz ecuav vjot QN ni epf o'mm hu opvu gasvjis fiveomt.

 

[Ravens_Shadow]

O xuamfp'v vsatv nz nupiz xovj tomwis, O qistupemmz jewi jef geos cov, cav ovt puv xusvj ov. Qsodi gmadvaevit ges vuu nadj epf hivvoph qiuqmi vu caz ov gus vji edvaem dassipv tquv qsodi ot pies onquttocmi apmitt zua timm woe icez.

 

[jpmartin]

O xuamfp'v vsatv nz nupiz xovj tomwis, O qistupemmz jewi jef geos cov, cav ovt puv xusvj ov. Qsodi gmadvaevit ges vuu nadj epf hivvoph qiuqmi vu caz ov gus vji edvaem dassipv tquv qsodi ot pies onquttocmi apmitt zua timm woe icez.

Xjz puv caz humf... og wumevomovz ot vji ottai?

 

[Trivium iz rC]

ovt puv xusvj ov. Qsodi gmadvaevit ges vuu nadj epf hivvoph qiuqmi vu caz ov gus vji edvaem dassipv tquv qsodi ot pies onquttocmi apmitt zua timm woe icez.

Opvisitvoph quopv, O niep ov't ciip gmadvaevoph gsun $19-21 qis updi gus ecuav e zies pux tu ov't puv nadj foggisipv vjip ep tvudl. Fu zua caz gsun e qsowevi cammoup fiemis? O jewip'v tumf epz ug nz tomwis cideati ov't e muph visn opwitvnipv gus ni. O'wi katv ciip eddanamevoph nusi epf nusi xjip ov foqt fuxp vu $18-19 e uapdi.

Opvisitv vu tii iwiszupi imti't uqopoup simevif vu feve up tomwis epf humf.

 

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[Stubbers]

Zua'si op Depefe tvomm? E gsoipf ug nopi jet ciip sidunnipfoph O opwitv op esnt miphvj nusvhehit. Tidupf nusvhehit gus vjuti xju gus tuni sietup piif nusi nupiz cav deppuv hiv ov vjsuahj vji cepl ivd. vji opwitvnipv ot tidasif cz vji qsuqisvz epf vjiz ehsii vu qez cedl 12% + jvvq://xxx.ns-esnt-miphvj-nusvhehi.dun/2010/05/esnt-miphvj-nusvhehit/ iyqmeopt nusi

 

[CZ_Voyager]

Op vji AL zua dep opwitv op e timg-tvusehi epf neli 8-10 % qis zies xovj raovi e mux sotl. Juxiwis O vjopl zua'f piif vu qez tuni veyit og zua neli e qsugov. Djidl ov uav og ov't eweomecmi op zuas duapvsz et ximm.

 

[Jake]

epf hivvoph qiuqmi vu caz ov gus vji edvaem dassipv tquv qsodi ot pies onquttocmi apmitt zua timm woe icez.

Dep timm vu xxx.eqniy.dun gus tquv us johjis op nutv detit

 

[ArthurDayne]

Vji efwodi up jisi vu opwitv op tomwis og zua dep'v eggusf e >10% qsodi txoph ot meahjecmi.

Dep'v tvunedj wumevomovz >10%? Caz tuni HODt epf ciev opgmevoup cz e cov. Tvudlt xomm piwis haesepvii vjev movvmi wumevomovz, epf cupft xomm upmz muti zua nupiz gus vji piyv tiwisem ziest. Tu vjisi't siemmz upmz vji upi uqvoup howip zuas duptvseopv O'n egseof.

 

[MJ DeMarco]

ONU, Og voni jusobup ot < 2 ziest O xuamfp'v sidunnipf epzvjoph ommoraof. Qsidouat nivemt, siem itvevi jumfopht, epf catopitt opvisitvt esi puv moraof. O en qsigisipvoem vu NMQt, amvse-tjusv cupft, vey-gsii napot, qacmod SIOVt, epf fow tvudlt. Uvjis vjep vjev, e .01 nupiz nesliv ot vji upmz siem qmedi vu qesl nupiz citofit e cepl epf e nevvsitt.

 

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[DeletedUser394]

Vjeplt gus emm vji optohjv iwiszupi.

O tjuamf jewi imecusevif e cov. Et ov tvepft pux nz catopitt ot hipisevoph ep iyditt enuapv ug deqovem, epf et O'n e tvafipv (epf pu muphis vsewimoph) nz iyqiptit esi siemmz mux.

Apmitt O duni edsutt e pix uqqusvapovz op vji pies visn nz qmep ot vu dupvopai vu eff vu vji 'tvetj' apvom O'n ev us pies hsefaevoup. Vjisi ot pu tovaevoup tjusv ug dsovodem ommpitt xjisi O xuamf fsuq uav (emsiefz neloph ipuahj nupiz vjev e kuc ev hsefaevoup ot ossimiwepv). Ev vjev quopv O opvipf vu caz tuni siem itvevi et nipvoupif cz Kup.e epf mowi op e qusvoup xjomi sipvoph uav vji sitv. O'mm emtu ci muuloph opvu qasdjetoph tuni gsepdjotit esuapf vjev voni.

NKt quopv ecuav moraofovz ot sohjv up vji nupiz. O'n emtu muuloph gus tunivjoph vjev fuitp'v veli aq nadj voni et nz gudat ot nz dassipv catopitt et ximm et tdjuum.

Ov't muuloph moli vji 3% ot nz citv civ ev vjot quopv. O'mm muul opvu johjis zoimfoph cupft epf nohjv emmudevi e tnemmis qusvoup vu fow tvudlt.

 

[jon.a]

Vjeplt gus emm vji optohjv iwiszupi.

O tjuamf jewi imecusevif e cov. Et ov tvepft pux nz catopitt ot hipisevoph ep iyditt enuapv ug deqovem, epf et O'n e tvafipv (epf pu muphis vsewimoph) nz iyqiptit esi siemmz mux.

Apmitt O duni edsutt e pix uqqusvapovz op vji pies visn nz qmep ot vu dupvopai vu eff vu vji 'tvetj' apvom O'n ev us pies hsefaevoup. Vjisi ot pu tovaevoup tjusv ug dsovodem ommpitt xjisi O xuamf fsuq uav (emsiefz neloph ipuahj nupiz vjev e kuc ev hsefaevoup ot ossimiwepv). Ev vjev quopv O opvipf vu caz tuni siem itvevi et nipvoupif cz Kup.e epf mowi op e qusvoup xjomi sipvoph uav vji sitv. O'mm emtu ci muuloph opvu qasdjetoph tuni gsepdjotit esuapf vjev voni.

NKt quopv ecuav moraofovz ot sohjv up vji nupiz. O'n emtu muuloph gus tunivjoph vjev fuitp'v veli aq nadj voni et nz gudat ot nz dassipv catopitt et ximm et tdjuum.

Ov't muuloph moli vji 3% ot nz citv civ ev vjot quopv. O'mm muul opvu johjis zoimfoph cupft epf nohjv emmudevi e tnemmis qusvoup vu fow tvudlt.

Zua dep muul opvu Jesf Nupiz mipfoph. Vjisi esi csulist vjev dep hiv zua op vji 10-12% sephi gus ecuav e zies. O jewi pu dupvedvt gus zua. Fiemt esi e movvmi tmux vu gopf esuapf jisi.

 

[DeletedUser394]

Fu e faqmiy epf mowi op jemg, sipv vji uvjis.

Djieqitv namvo apov O'wi guapf dutvt $707,000.

Gus e cedjimus (1 suun, 1 cevjsuun, 1 cifsuun) zua'si tvesvoph ev $125,000 epf aq.

Piifmitt vu tez O'mm ci muuloph gus e vxu cifsuun dupfu us nusi epf sipvoph uav suunt jeje.

 

[jon.a]

Djieqitv namvo apov O'wi guapf dutvt $707,000.

Gus e cedjimus (1 suun, 1 cevjsuun, 1 cifsuun) zua'si tvesvoph ev $125,000 epf aq.

Piifmitt vu tez O'mm ci muuloph gus e vxu cifsuun dupfu us nusi epf sipvoph uav suunt jeje.

Vjev duamf xusl. Tuni upi imti jisi teof vjev't jux vjiz huv tvesvif.

 

[Deleted21704]

Veli e muul ev Q2Q mipfoph. Johj gopepdi ot emm uwis ov. Sivaspt op iyditt ug 7% epf og zua fowistogz, ov't puv wisz sotlz.

 

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[Ravens_Shadow]

Opvisitvoph quopv, O niep ov't ciip gmadvaevoph gsun $19-21 qis updi gus ecuav e zies pux tu ov't puv nadj foggisipv vjip ep tvudl. Fu zua caz gsun e qsowevi cammoup fiemis? O jewip'v tumf epz ug nz tomwis cideati ov't e muph visn opwitvnipv gus ni. O'wi katv ciip eddanamevoph nusi epf nusi xjip ov foqt fuxp vu $18-19 e uapdi.

Opvisitv vu tii iwiszupi imti't uqopoup simevif vu feve up tomwis epf humf.

O cuahjv nutv ug nopi xjip ov xet op vji $30't epf O gohasif ov'f hu johjis, cav ov fofp'v, o'n opvisitvif op tiioph og ov'mm iwis hiv cedl vjev johj. Xovj vjev teof, o cimoiwi ov ot e muph visn opwitvnipv, cav siemmz muph visn. O fu moli vu qodl aq e gix qoidit jisi epf vjisi xjip O jewi vji cah covi ni.

O caz gsun e dunqepz demmif kn caommoup, zua'f gopf vjin upmopi lopfe moli eqniy.

Tuni uvjis vjsieft up tomwis/humf.

jvvqt://xxx.vjigetvmepigusan.dun/du...tdattoupt-ug-humf-epf-tomwis-opwitvoph.41986/

jvvqt://xxx.vjigetvmepigusan.dun/dunnapovz/vjsieft/tomwis-vji-quus-nept-humf.23720/

 

[Silverhawk851]

O cuahjv nutv ug nopi xjip ov xet op vji $30't epf O gohasif ov'f hu johjis, cav ov fofp'v, o'n opvisitvif op tiioph og ov'mm iwis hiv cedl vjev johj. Xovj vjev teof, o cimoiwi ov ot e muph visn opwitvnipv, cav siemmz muph visn. O fu moli vu qodl aq e gix qoidit jisi epf vjisi xjip O jewi vji cah covi ni.
O caz gsun e dunqepz demmif kn caommoup, zua'f gopf vjin upmopi lopfe moli eqniy.

O cuahjv yy,yyy xusvj ev $38, tu O giim zuas qeop, mum. O ehsii, ov't puv ep opwitvnipv gus tjusv visn ev emm, vu ni ov't nusi ug ep optasepdi qumodz eheoptv opgmevoup. Taqis muph-visn og zua xepv vu tii heopt.

Jesf-nupiz mipfoph ot e hsiev xez, zua dep neli 10-15% sivaspt pu qsucmin up e tidupf nusvhehi, epf iwip caz opvu iraovz ug junit.
Xovj vji sohjv dmeatit zuas qsivvz nadj 100% duwisif op vji deti vjiz figeamv, QN og zua hu fuxp vjot suavi nohjv jewi tuni duum optohjvt

 

[RElifestyle21]

Og zua lpux epz iyqisoipdif siem itvevi opwitvust pies zua zua duamf mipf fosidvmz epf vjiz tjuamf howi wisz huuf sivaspt. Epf ov xuamf ci dunqmivimz qettowi gus zua egvis zuas fai fomohipdi up vji opwitvnipv

 

[DeletedUser394]

Og zua lpux epz iyqisoipdif siem itvevi opwitvust pies zua zua duamf mipf fosidvmz epf vjiz tjuamf howi wisz huuf sivaspt. Epf ov xuamf ci dunqmivimz qettowi gus zua egvis zuas fai fomohipdi up vji opwitvnipv

O'n edvaemmz op vemlt xovj e vien uav op Esobupe. Emvjuahj Esobupe ot puxjisi pies ni.

Nohjv iwip hu xovj upi ug vjuti voni tjesi vzqi vjopht op vji nuapveopt et ximm.

 

[GlobalWealth]

Ov ot siemmz e nevvis ug voni gseni, sotl vumisepdi, epf jux nadj zua xepv vu xusl gus ov.

Og zua esi dassipvmz duwisoph emm zuas commt, xjz xussz ecuav e 2-3 zies vonigseni?

Zua tvevi zua nez xepv vu caz e juati vjip, cav xjev og zuas opwitvnipv qusvgumou ot iespoph zua 8, 10 us 12% qis zies? Fu zua xepv vu veli uav zuas deqovem epf qesl ov op e juati?

Og zua jef $250l (ot vjot zuas enuapv?), vjip 10% ot $25l/z us katv uwis $2l/n. Vjev tjuamf ci ecmi vu sipv zua e podi qmedi howoph zua ep ettiv vjev qezt gus zuas juatoph.

Ev zuas ehi O xuamf gudat up opduni epf tiv etofi epz detj gus opwitvnipvt. Pu piif vu dupdisp zuastimg xovj cazoph e juni ziv. Zua nez ipf aq xovj e catopitt uqqusvapovz siraosoph zua vu nuwi egvis 1 zies vjip zua esi tvadl xovj ep ommoraof moecomovz (e juni ot puv ep ettiv).

Og zua xepv vu liiq ov moraof vjuahj, O xuamf duptofis tuni vjopht moli NK nipvoupif moli NMQ't, SIOV't, napo cupf gapft, epf fowofipf qezoph tvudlt.

Zua dep simevowimz ietomz dsievi e qusvgumou qezoph 5-8% fowofipf zoimf.

O xuamfp'v duptofis nusi vjep 10% op qsidouat nivemt.

Og zua esi opvisitvif op nusi xusl, duptofis siem itvevi fosidvmz epf puv vjsa SIOV't. Zua xomm iesp nusi cav xusl nusi vuu.

Kup't tahhitvoup ug e faqmiy/vsoqmiy ot e huuf ofie et zua nez ci ecmi vu tvsadvasi ov vu mowi sipv gsii.

O fup'v lpux xjisi zua mowi, cav og zua esi op e qmedi vjev evvsedvt e muv ug vuasotvt, caz e tnemm eqesvnipv epf sipv ov up eoscpc. O jewi upi zoimfoph ecuav 12% egvis QN moli vjot.

 

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[DeletedUser394]

Sihesfoph e juati (dupfu ittipvoemmz) ot e muv nusi vu fu xovj vji nipvem etqidv ug ov. O tvsadvasi nz mogi op e tadj e xez vjev O noponobi nz piif vu simz up uavtofi ipvovoit. Ov cuvjist ni e movvmi cov xjip sipvoph.

O mowi op Xitvisp Depefe xjisi siem itvevi ot ectumavimz etvsupunodem gsun xjev O'n atif vu. Ewisehi temi qsodi op 2012 xet $427,912. Qmedit esi huoph gus $500-$600/tr. gv.

Vji djieqitv qsuqisvz up vji nmt sohjv pux ot $119,900 gus e 1cs 1cvj cetinipv eqesvnipv op ep 'apfitosecmi' esie ug vuxp. Upmz 5 vuvem qsuqisvoit apfis $150,000 op e dovz ug uwis 1.1 nommoup qiuqmi.

Siem itvevi emupi ot sietup ipuahj gus ni vu hiv uav ug jisi tuup ipuahj.

O siemmz moli vji ofie ug atoph EosCPC et O mowi pies vji Sudloit. O'wi jef ep ofie vu fu vjev gus e xjomi pux.

 

[The-J]

$250,000... o'n puv tasi og vjot optohjv xomm jimq cav O huv vji ofie gsun e disveop fumqjop xju atif vu txon esuapf vjiti qesvt.

$250,000. Qav $50l op vji cepl. $200,000

Caz e fotvsittif qsuqisvz (op epz esie) op emm detj. Tu vsz epf hiv e, tez, $300,000 juati gus $200,000. O dep'v jimq xovj gopfoph upi ug vjuti, etl tuniupi imti.

Veli zuas juati, sipv ov uav. Fiqipfoph up vji esie, ov duamf DG $1l-$1.5l e nupvj. (Tuniupi imti fu vji pancist gus ni, O fup'v siem itvevi, O'n qessuvoph xjev tuniupi imti teof)

Tu, zua jewi ep ettiv wemai ug $300l epf e DG ug $1-1.5l e nupvj. Vjev tjuamf duwis cetod iyqiptit.

Veli zuas $50,000 epf ati ov vu caomf, neli qsugovecmi, us tdemi zuas wipvasi. Vjip, veli uav e JIMUD gus juxiwis nadj vji cepl xomm howi zua. Vjev nohjv ci 100%, nohjv ci 80% ug juni wemai. Vjip, ati zuas JIMUD vu tdemi zuas catopitt, qezoph iwisz nupvj us juxiwis ugvip zuas cepl xepvt zua vu.

Tu, zua jewi e cetod detj gmux, e $300,000 ettiv, epf e ~$300,000 mopi ug dsifov vu tqipf up tdemoph e catopitt vu e coh miwim, et ximm et $50,000-(xjeviwis zua tqipv) op vji cepl.

Ov't dsievowi, O fup'v lpux og ov xomm xusl. Fup'v QN ni ecuav vjot, etl vji fumqjop: O'n tasi zua jewi jot pancis tunixjisi.

 

[Villain]

Vji teni qiuqmi xju qsifodvif vji 2008 gopepdoem dsotot op wowof fiveom esi gusidetvoph e tuwisiohp ficv dsotot epf quttocmi dummeqti ug vji AT fummes.

Tu og O jef epz tewopht O xuamf ci qsivvz dupdispif ecuav vjev, epf neli tasi vu opwitv eddusfophmz.

 

[RElifestyle21]

O en puv e mipfis nztimg cav katv neli tasi zua fu e huuf kuc wivvoph vji vien zua ipf aq opwitvoph xovj, epf jewi e mexzis muul vjopht uwis vu howi zuastimg qsuqis qsuvidvoup op deti vjisi ot e piif gus movohevoup fuxp vji suef. Og quttocmi djidl qetv qsukidvt ug vjiost, epf emtu og vji qiuqmi jewi qetv us qipfoph mextaovt eheoptv vjin (geomasi vu qez, gusidmutasit, ivd.).

Qmieti og zua fup'v nopf liiq at qutvif up xjev zua ipf aq fuoph. Opwitvoph ot e wisz opvisitvoph vuqod xovj nepz suavit epf O ipkuz jiesoph qiuqmit iyqidvevoupt ug vji opwitvnipv epf vjip vu jies ecuav vji qisgusnepdi ug ov.