Stick w/ bullion or better junk bulk

What would that instrument be, if you don't mind my asking?

Living small, keeping spending down (even though making very good money now). Continuing to max out 401Ks for wife and myself (invested in S&P index) to keep myself in a lower tax bracket, but watching closely for a downturn so I can retreat to more safety if necessary. Paying down/off real estate investments (rental houses Thinking about buying a larger/nicer home to take advantage of the weak real estate market and low interest rates (would convert current home to investment). Just not sure if I want to remain in the area so hesitant to make longer term plans in this locale.

A commercial mortgage which is hedged with a life insurance policy.

Hmm. Thanks, Snapper!

Most of our "investments" are in our business. I'm putting a bit into metals right now. I also am looking into some real estate, especially with the cost of money so low.

I plan to invest in Bosch dishwashers

I just saw what my paycheck will look like with the new 2013 taxes. It looks like I am investing a LOT in higher taxes. I feel sure I will get a lot better government with those higher taxes. :rolleyes:

None of it is going to provide better government. It is to pay for entitlements and corporate welfare. At least the bill subsidizes rum, Nascar, and Hollywood...so you can still get drunk and watch a movie about racing for the same price as before.

are you two trying to get it moved to parf?

We have no debt so will keep maxing out or ROTH 401k contributions. Will stay diversified and continue to dollar cost average into investments that averaged 15% last year. Have been overweighting real estate investments these past few years and will continue to do so.

I am young at 28 and still riding the debt train. I will finish my masters degree in August of 2013, and will begin paying back the enormous student loans 6 months after that. I am hoping my new schooling will lead to some mid-level management position that will provide an income increase over what I make now. My wife and I are downsizing in every capacity as well, and selling nearly everything that isn't bolted down that we don't need in order to pay off our non-secured debts. We may be renting our house and moving in with the in-laws in a free-rent scenario to help accelerate our payoff of debt and increase in savings. I am still contributing 5% with a 5% match to my 401k, but I wish I could maximize it in my early years. 2013 should be a good year for us, but I have a good 10 years of digging ahead of me before I will be debt free...

A FACT is my take home pay will be over $1,000 less in 2013 at the current rate. PARF or not, that is a fact. And I know I will get less for my money with the government spending it rather than me spending it.