Hello everyone! I mostly lurk but thought it was time to ask for advice again. I think I will listen this time. Brief history..some time ago I posted my story. Very long...anyways I asked for some advice on selling one of my properties. I got great advice but I didn't listen. I really could kick myself. Everyone advised me to sell one of the properties and I didn't. I seem to have a problem being frozen when it comes to these financial decisions. I'm getting older and really have to make some hard decisions and that's where all of you come in. Before I give my stats I can say that I did get "The four pillars of investing" for my birthday. Having a hard time getting into it but I'm trying.
BTw I am 49, female widow. No debt except home loan.
Housing/ Southern California
Rental - paid in full. Current value is approx $350,00.00 Rented out for $1625.00 per month. After expenses, taxes etc I net about $10,000.00 per year. I inhereted this property when my mom died 5 years ago.
Home - Balance owed $146,000.00 @ 6.25%. About 12 years left on loan.
Current value about $425,000.00
Invstements
Janus
jmcvx $14,495.0 Ira rollover from DDH
Cash MM $31,680.00 Ira rollover DDH This cash was J&J stock that I just sold.
Fidelity
my 401k
Low Stk Pr St $91,625.00
Intermed Bond $442.00
Contrafund $434.00
Intl Discovery $433.00
The last 3 funds are recent additons so that explains the little amount of $
CD $20,000.00
Working at a job that pays the bills $64,000.00 no raise in 5 years, no raise in sight. Feel a little down about the job market and no degree. Been here 28 years. Company doing OK.but not great.
So, please comment. I am eligible for DDH SS at 60. Don't know how much and couldn't find a way to figure the amount on the website.
BTw I am 49, female widow. No debt except home loan.
Housing/ Southern California
Rental - paid in full. Current value is approx $350,00.00 Rented out for $1625.00 per month. After expenses, taxes etc I net about $10,000.00 per year. I inhereted this property when my mom died 5 years ago.
Home - Balance owed $146,000.00 @ 6.25%. About 12 years left on loan.
Current value about $425,000.00
Invstements
Janus
jmcvx $14,495.0 Ira rollover from DDH
Cash MM $31,680.00 Ira rollover DDH This cash was J&J stock that I just sold.
Fidelity
my 401k
Low Stk Pr St $91,625.00
Intermed Bond $442.00
Contrafund $434.00
Intl Discovery $433.00
The last 3 funds are recent additons so that explains the little amount of $
CD $20,000.00
Working at a job that pays the bills $64,000.00 no raise in 5 years, no raise in sight. Feel a little down about the job market and no degree. Been here 28 years. Company doing OK.but not great.
So, please comment. I am eligible for DDH SS at 60. Don't know how much and couldn't find a way to figure the amount on the website.