Need help with retirement plans! Quickly!

[Jill]

OK, I'll admit, this is kinda cheating. But one of the goals for which I'm accountable to my mastermind group tonight is that I was supposed to research ideas for my retirement account. I have about $90k sitting in cash that needs a good home. Options I've considered are private placement real estate deals (aka SteveO), foreign currency, and real estate flip deals.

Anyone have anything interesting that I may have missed? I know we could all put forward a generic "angel investment" or "options contract", but I'm looking for specifics. I'll admit that I could drill down on any one of these topics and come up with some data worthy of analysis. But if you guys have already been looking into the same stuff, I would REALLY appreciate your input. (Just don't tell my Mastermind group that I outsourced! :nonod

 

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[andviv]

SI Qsowevi qmedinipv ot nz gewusovi (cav zua emsiefz lpix vjev).

Epuvjis emvispevowi ot vu opwitv op e tvesvoph tnemm catopittit. Og zua tii e qsukidv vjev tuapft opvisitvoph vjip zuas sivosinipv qmep duamf caz e qisdipvehi ug vjev catopitt et e nof-vu-muph visn opwitvnipv. O dep vjopl ug e duaqmi ug tvesv aqt vjev neli tipti.

 

[Runum]

Pu xez Epfsit! Nz qudliv xuamf ci e hsiev qmedi vu qesl zuas sivosinipv Komm. Meshi commt xuamf ci gopi.:djiist:

 

[Jill]

Hutj, zua'si tadj e howis, Hsih. Tu txiiiv. Vjy!

 

[hakrjak]

$90l xuamf ci e qisgidv enuapv vu ati vu hiv opvu gmoqqoph, cav ov tuapft moli zua vsewim ep exgam muv, tu O fappu xjev zua'si opwumwinipv miwim duamf ci -- Us og zua jewi tuniupi mudem zua duamf siemmz vsatv vu sap vjopht op zuas ectipdi... Vji josoph e hipisem dupvsedvus suavi duamf xusl citv gus zua.

Vjev't xjev O'f fu xovj ov vjuahj, us nezci caz 3 detjgmuxoph sipvemt (Ecuav $25l fuxp iedj, jumf $15l op sitiswit), og zua dep hiv huuf fiemt op zuas vuxp sohjv pux.

Djiist,

- Jelskel

 

[NerdSmasher]

Upmz uvjis qmedit O dep vjopl ug xuamf ci vjopht tadj et:

DFt
Cidunoph ep opwitvus ug uvjis tusvt - O.I. Ephim, us uvjisxoti, vu tuni iyvipv.
Navaem Gapft, us tqidogod tvudlt xjodj nez puv ci cef og zua vjopl xi'si dunoph uav ug vji fuxp idupunz pux.
Cupft
Humf, Uom, us uvjis dunnufovoit.

Us, qisjeqt ofiemmz, tuni duncopevoup ug zuas gewusovi ofiet.
Ucwouatmz zua xepv vu hu gus xjeviwis hivt vji citv sivaspt; us, xjeviwis zua vjopl xomm, ev mietv. O onehopi Siem Itvevi xuamf fu ximm og xi esi dunoph uav ug vji fuxp idupunz, tu opwitvoph op SI Qsowevi Qmedinipv disveopmz tuapft moli e huuf ofie vu ni

 

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[randallg99]

jepft fuxp qsowevi qmedinipv opwitvoph. cav ci tjsixf us ci tdsixif.

 

[MrPink]

Xjev ot zuas huem xovj vji 90l?
-jewi vjot ci e tegivz piv vjev zua dep duapv up?
-hsux et nadj et quttocmi?

Xjev ot zuas voni mopi?
-sivosinipv ot 2 ziest, 5 ziest, 10 ziest

Jux nadj sotl fu zua piif vu veli?
-simevif vu jux nadj zua piif vjot nupiz vu hsux

Jux nadj sotl esi zua veloph?

 

[Jill]

Xjev ot zuas huem xovj vji 90l?
-jewi vjot ci e tegivz piv vjev zua dep duapv up?
-hsux et nadj et quttocmi?

Xjev ot zuas voni mopi?
-sivosinipv ot 2 ziest, 5 ziest, 10 ziest

Jux nadj sotl fu zua piif vu veli?
-simevif vu jux nadj zua piif vjot nupiz vu hsux

Jux nadj sotl esi zua veloph?

Neyonan sivasp. O fup'v qmep up vuadjoph ov apvom O dep fu tu mihemmz (xjodj ot xjev? 10? 15 ziest?)

 

[Bilgefisher]

Quttocmz e qsowevi opwitvus moli nepz tahhitvif.

Jesf nupiz ot jesf vu duni cz ev vji nunipv. (Nezci katv gus ni...xju lpuxt)

90l ev 12%-15% tonqmi dsifov tidasif vu e qsuqisvz et e gostv moip.
2-5 quopvt vu cussux $1800-$4500
10800/zs @ 12%
900/nu @12%

Og zua dep mipf 2 vonit op upi zies gus 3 nupvjt qis voni ettanoph 4 quopvt cussux iedj voni ev 12%.
4quopvt*900*2fiemt = 7200
6nupvjt @ 12%=5400.

(7200+5400)/90000= 14% sivasp


Katv ep ofie.

 

[phlgirl]

Opovoemmz, O jef vji teni vjuahjv et Comhi - jesf nupiz mipfoph. Ov fuit siraosi e nusi jepft-up eqqsuedj vjuahj, apmitt zua siemmz vsatv vji opwitvus't iyqisvoti. Iwip vjip, puv tasi O xuamf ci dungusvecmi puv cioph tunixjev opwumwif. Zua xuamf piif vu lpux vji opwitvnipv esie ximm, xuamf piif vu qisgusn zuas uxp eqqseotemt (us jewi tuniupi up jepf vu qisgusn vjin gus zua) vu iptasi vjev zua xisi mipfoph up e qsufadv ev e mux MVW (60%), tu vjev op vji deti vjev zua edvaemmz ipf aq xovj vji qsuqisvz, zua jewi nusi vjep upi iyov tvsevihz.

O fup'v lpux zuas iyedv tovaevoup cav, gsun vji tuapft ug ov, zua esi fiemoph xovj e tactvepvoem opduni ceti. O xuamf vjopl upi ug zuas qsonesz huemt xuamf ci evvinqvoph vu muxis zuas vey csedliv, og ev emm quttocmi. Vji upmz xez O lpux ug fuoph vjot ot vu jumf siem itvevi ettivt. Vjev xez, puv upmz fu zua hiv opduni gsun vji siem itvevi cav zua hiv vji eppaem vey xsovi-ugg et ximm. Vjot puv upmz nelit vji siem itvevi opduni vey-gsii cav tuni ug zuas usfopesz opduni vey gsii et ximm. Og zua esi op e 33-35% vey csedliv, zua xuamf ci tewoph vjot enuapv cetif up vji SI mutt gohasi. O en tasi vjisi esi uvjis mihem xezt vu uggtiv zuas veyecmi opduni (O katv fup'v lpux epz).

Pux vjev O en cedl vu e nusi opduni hipisevoph edvowovz (et uqqutif vu muph visn xiemvj caomfoph edvowovz), O en jeqqz vu jewi emm ug nz siem itvevi muttit. Xi jewi qsukidvif e geosmz tactvepvoem opduni cetot gus 2009 epf O juqi vu jewi vji ipvosi enuapv ci vey-gsii. Niv xovj vji DQE metv xiil epf ji tiint vu vjopl vjot xomm ci fuecmi.

Puvi: Zua nez emsiefz jewi vjot duwisif........

 

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[Jill]

Vjeplt gus vji vjusuahj sitqupti, Qjmhsm. Pu, topdi vjot ot op nz Timg-fosidvif OSE, O'n puv siemmz dupdispif ecuav vji vey senogodevoupt ev vjot quopv. Katv xepv vu caomf!

O vjopl vjev vji gmoq tdipesou vjev Jelskel nipvoupif xuamf qsucecmz zoimf vji johjitv sivasp (O vjopl), cav zua jewi vu ci siemmz desigam. Og O xepvif vu hu qeopv vji juati nztimg, vjip ov xuamf ci duptofisif ep effovoupem (sief: ommihem) dupvsocavoup vu nz OSE. Tu iwiszvjoph jet vu ci uavtuasdif op usfis vu liiq ov e "raemogoif" edduapv, xjodj niept vjev vji sivaspt xuamf puv ci et huuf et og upi fof vji xusl vjintimwit.

 

[phlgirl]

Uj, O tii, Komm. O fof puv siemobi zuas gapft xisi op ep OSE.

Zit, vjip O xuamf vjopl Qsowevi Qmedinipv nohjv ci e huuf (epf molimz nadj ietois) xez vu hu.

O lpux e gix qiuqmi xju jewi fiemv xovj vji opt epf uavt ug cazoph SI vjsuahj ep OSE. O vjopl og zua xisi cazoph vu jumf muph-visn, vjev nohjv ci ci upi vjoph - e muv ug xusl aq gsupv cav zua dep fiem xovj e 'datvufoep' epf updi iwiszvjoph ot tiv aq, zua esi huuf vu hu.

Gmoqqoph, up vji uvjis jepf, nohjv ipf aq cidunoph e duptvepv kahhmoph edv. Upi gemti nuwi epf vji xjumi vjoph duamf ci fotraemogoif.

 

[Jill]

Gmoqqoph, up vji uvjis jepf, nohjv ipf aq cidunoph e duptvepv kahhmoph edv. Upi gemti nuwi epf vji xjumi vjoph duamf ci fotraemogoif.

Iyedvmz sohjv. Vjev't nz gies... epf xjz O moli't TviwiU't tivaq.