Monthly Update – November, 2014

In this update: stocks look good, no change in real estate, my LendingClub.com monthly update, I wasted some money this month, and the only Christmas song I actually like.

November was good for stock performance! Honestly, I am considering dropping this section from my monthly update. Stocks go up. Stocks go down. It doesn’t matter to me. I keep on investing a portion of my paycheck and stay the course. For now, though, I am still including it. Happy days in November!

Investment Portfolio

Personal Capital has a pretty a fun feature. It tracks “You Index” and tells you how much your investments are up or down as a percentage and compares that to a few other indices such as the S&P 500 and the Dow. Here’s a look at my snapshot for November.

Monthly Update Personal Capital
November looking positive again!

The “You Index” is looking great for the second straight month. Although it STILL lags behind the S&P index quite considerably. While I don’t care about fluctuations in the stock market, this piece does puzzle me. I am going to have to look further into it. I do have some bonds, which should be making my index less volatile, but not THAT many bonds.

Real Estate

Disclaimer: Below are the straight income and expense numbers for my real estate investment. Part of the income is being put aside for reserves in case maintenance issues arise or the property is vacant for a period of time. Some months, the cash flow may look extremely rosy, but keep in mind that this is a long term strategy with expected bumps along the way.

Rent Income: $1,025 (paid by turnkey company)

Mortgage Payment (Including Principle, Interest, Taxes, and Insurance): $424.65

Property Management Fees: $102.50

Total This Month: $497.85

Once again, the turnkey company is paying my rent guarantee. They FINALLY got the place rent-ready again after it got lost in the shuffle in the changeover to a new property manager. Perfect, just in time for Jan 1, when just about NOBODY is looking for a place to live. Oh well, I hope to have better news next month. My rent guarantee lasts through March, so at least April 1 seems like a good time to rent in Indy.

On the other hand, you may have heard through another post. I closed on my second property! Again, I may have the same issues getting it rented and I don’t have a rent guarantee in place for this one, but my mortgage payments don’t start until January 1, so I shouldn’t be too far in the hole before they get it rented out.

Lending Club

More charge-offs this month. I am hoping that starting in the new year, my latest automated investing strategy (employed a few months ago) will actually start yielding results and the fat from previous bad automated investing choices will be trimmed. That means next month might be even lower, though.

November Interest Received: $84.21

November Late Fees Collected: $0.05

November Losses (due to defaults): $47.14

Current Annualized Return: 14.15%

Current Lending Club Account Value: $5727.10

The drop in my return continues. 14% is still fine by me, but how much lower will it go?! Again, I am thinking/hoping that this return will start to look up in 2015.

November Spending

It’s finally time for winter beard! Every winter, around this time, I start growing a winter beard. This year’s is on its way to becoming unusually fluffy! I decided it was high time I invest in some beard softener products (and by “I decided”, I mean, my SO decided). Here’s where it goes south. In some weird moment of weakness, I actually dropped $14 on a small container of “Beard Balm” on Amazon. What was I thinking? I have big container of coconut oil in my cupboard that is essentially the same thing. That was definitely $14 poorly spent. Ah well, recognize mistakes, learn from them, and move on – am I right?

Music

Historically, I HATE Christmas music. Luckily, I don’t have to listen to it as often as most Americans since I don’t really go to malls or many physical stores that will play them on loop around the clock. However, all my life, I have been surrounded by people who LOVE Christmas music, so I’ve had to come up with at least one song that I can tolerate. That song is Carol of the Bells. I like a lot of different versions, but there is something appropriately creepy about this version that has a kids choir singing it. Kids are creepy!

That’s all for this month. Have a great December and NEW YEARS – WOO 2015!


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