Seeing that many of you are older and wiser than I, I was wondering what would your reamendations be to invest some money for a few years.

I am still in College and until I finished school and buy a house what would you suggest I invest in.

Currently I have some money in a money market that pays 4.5% annualy. Recently I found another money market that pays 5% annually.

So far this 4.5% money market is working out great as it was making no money in my bank account. What are some other low risk options that I could look into.

Thank
Brian

Do what I do, invest in parts for the Chevelle:yes: :D

Ammunition....lots of it.

My advice. Have more time, take more risk. Less time, less risk. For a 2-3 year horizon, I'd stick close to what you are already doing.

The market is riding a peak for awhile, my advice is to wait it out until a crash happens then thats when the money starts pouring in. Keep it in your money market account. IT WILL BE SAFE

There are some good stocks that are quite reasonable right now.
Lower risk would be Citibank (C), buy at anything below $53. Pays a dividend of about 4%, which they have steadily been increasing. If Charles Prince, the CEO leaves, the stock will rise to about $58.
A good oil stock that pays really well is Canetic Resources Trust (CNE), buy as soon as you can, pays a 12+% dividend, except the payments are every month.
A excellent real estate lender Thornburg Mortgage (TMA) is another great buy, anything below $25, pays almost 10% dividend. There is another member here that also likes TMA.
I have done really well with these stocks.

Here is a link.
http://www.chevelles.com/forums/showthread.php?t=167981&highlight=stocks
And another
http://www.chevelles.com/forums/showthread.php?t=166583&highlight=stocks

Jay I am still here and buying Thornburg. Results issued in May confirmed the strength of this company. All the big houses and Jim Cramer have it on their buy list so we may not see below $25 for awhile. For someone who does not have a position in TMA $ 26 might not be too bad.

Much like Rob says I too think there will be a buying opportunity. Just as some of these cars are doing now an adjustment is coming and patience will be rewarded. I am taking some money off the table to buy stocks and that Red/Red 70 SS I am looking for. Winter should open up windows for both of them.

Thornburg is still a great long term investment and if housing and interest rates stabilize we "might" bump $35 next spring.

Go into a mutual fund that has a ratio of 60 % bonds and 40% stock.Vanguard has a few funds like it.

If you have a short length of time until you need the money, put it in something low risk, like a good bond index mutual fund (Vanguard would be a good company), or keep it where it is. Perhaps you can find a CD that pays a little better. The last thing you want is to put it in ANY stock.

Go into a mutual fund that has a ratio of 60 % bonds and 40% stock.Vanguard has a few funds like it.

I have all my $$ at vanguard (except 401k at work). They have some of the lowest expense ratios and some good funds. I’m 26 and started investing with my first real job out of college. For the short term, 2-3 years, probably would be best with a money market or CD’s. This way, you know what to expect.

Check this site out:

www.investopedia.com (http://www.investopedia.com/)

I highly recommend opening a Roth IRA. Your can withdraw your contributions for a first home purchase (if you haven’t bought one in 2 years, this still holds true) and education. The biggest advantage, your money grows tax free!!! You can invest in pretty much anything you want in this “type” of fund. Of course, you can withdraw gains until 59.5 or penalties apply.

I’m glad to see that you are planning your future with investing, because no one else will. It’s a shame high schools don’t teach the basics.

EDIT:

Of course, you CAN'T withdraw gains until 59.5 or penalties apply.

Thanks for all of the suggestions!!

I am going to look into opening a mutual fund with vanguard.

There are some good stocks that are quite reasonable right now.
Lower risk would be Citibank (C), buy at anything below $53. Pays a dividend of about 4%, which they have steadily been increasing. If Charles Prince, the CEO leaves, the stock will rise to about $58.
A good oil stock that pays really well is Canetic Resources Trust (CNE), buy as soon as you can, pays a 12+% dividend, except the payments are every month.
A excellent real estate lender Thornburg Mortgage (TMA) is another great buy, anything below $25, pays almost 10% dividend. There is another member here that also likes TMA.
I have done really well with these stocks.

Here is a link.
http://www.chevelles.com/forums/showthread.php?t=167981&highlight=stocks
And another
http://www.chevelles.com/forums/showthread.php?t=166583&highlight=stocks
I am making one little tweak to my suggestion. I say wait until July before buying anything. You shouldn't try to time the market, but they say to go away in May, this year I think changed a little because of the strong rally.

Sorry you guys Mutual funds are for making the broker running it rich.
You are a young guy buy stocks and learn a lot about them.
Buy any book from Jim Cramer, read it. You will be way ahead of any mutual fund.

Everybody here hates CEO's, but want to invest in mutual funds to make some rich guy richer. ROFLMAO

The average mutual fund charges 1.5%. Most Vanguard funds I invest in are like .3-.5%. Thats a small price to pay for diversification when starting out. For example, instead of making 10%, you'd make 9.7-9.5%.

Ammunition....lots of it.

Ditto...

And Chevelles of Course. :)

Just wanted to add a rebuttal to Elcoman's comments. Not attacking your comments Elcoman, but just want to give the average investor's point of view.

I am making one little tweak to my suggestion. I say wait until July before buying anything. You shouldn't try to time the market, but they say to go away in May, this year I think changed a little because of the strong rally.

Dollar cost averaging is the way to go when investing. Over the long haul anyway. Doesn't matter when you invest, just start investing. Of course, after you decide which investment vehicles to dump your money in.

Sorry you guys Mutual funds are for making the broker running it rich.
You are a young guy buy stocks and learn a lot about them.
Buy any book from Jim Cramer, read it. You will be way ahead of any mutual fund.

But us in 401k's have basically nothing but Mutual Funds to invest in. Can't be all that bad. Plenty of guys have been able to retire off their 401k investments. I tend to agree you can bypass the mutual funds and buy individual stocks and do better, but for some, it makes sense to invest in mutual funds (ones with low fees - 0.50% range). I myself like Dodge & Cox funds and have a Roth IRA in their International Fund. It has done quite well.

Also, Cramer has good advice, but you have to take some of it into perspective. He's a stock trader, so he likes to get in and out of stocks a lot. Not something your average investor wants to hassle with. The average investor wants to invest without worrying about the ups and downs of the market. That's where picking stocks that have been solid performers for decades comes into place.

Everybody here hates CEO's, but want to invest in mutual funds to make some rich guy richer. ROFLMAO

You can also lose money by trading in and out of stocks a lot.

A few stocks I like: General Electric, Emerson Electric, Minnesota Mining and Manufacturing (3M), Caterpillar, Altria Group, Johnson & Johnson. Many of these you can invest in them directly through the company's DRIP (dividend reinvestment plan) plan for mininal fees. You bypass the stock broker. Meant for long-term investing primarily though.

Just a few thoughts for everyone, including Brian, the original poster.

Originally Posted by Phil Keller http://www.chevelles.com/forums/olp/images/buttons/viewpost.gif (http://www.chevelles.com/forums/showthread.php?p=1375908#post1375908)
Ammunition....lots of it.


Ditto...

And Chevelles of Course. :)
I second that:yes: I wouldnt invest:noway: in any stocks alot of people are waiting for the BIG CRASH:thumbsup: like me:yes:

Ditto on the dollar cost averaging. Set it and forget it (automatic contributions). Re-balance once a year.

As for stocks, I do not own any single entity ones. I have played with investopedia’s simulator and have done well. The portfolio has 30 stocks in it though. Some big losers and winners. That is the beauty of mutual funds, a bunch of stocks to level the playing field a bit. I plan to buy some single stocks one of these days.

What brokerage do you guys use for online stock trading?

Originally Posted by Phil Keller http://www.chevelles.com/forums/olp/images/buttons/viewpost.gif (http://www.chevelles.com/forums/showthread.php?p=1375908#post1375908)
Ammunition....lots of it.



I second that:yes: I wouldnt invest:noway: in any stocks alot of people are waiting for the BIG CRASH:thumbsup: like me:yes:

The stock market has averaged 12.7% over the past several decades.

The stock market has averaged 12.7% over the past several decades.
Yea untill the BIG CRASH soon to happen....:yes:and I hope it does BIG TIME!

Ditto on the dollar cost averaging. Set it and forget it (automatic contributions). Re-balance once a year.

As for stocks, I do not own any single entity ones. I have played with investopedia’s simulator and have done well. The portfolio has 30 stocks in it though. Some big losers and winners. That is the beauty of mutual funds, a bunch of stocks to level the playing field a bit. I plan to buy some single stocks one of these days.

What brokerage do you guys use for online stock trading?

Scottrade is good, only need $500 to open and commissions are only $7.00 a trade.

Scottrade is good, only need $500 to open and commissions are only $7.00 a trade.

I was leaning towards that broker. It would work well for me since I would probably want to trade 3-4 times a year.

Yea untill the BIG CRASH soon to happen....:yes:and I hope it does BIG TIME!

Why would you want that to happen? It would affect everyone!

Why would you want that to happen? It would affect everyone! Because the economy is crap:yes: since last October its dead.

Scottrade is good, only need $500 to open and commissions are only $7.00 a trade.

I've been using Scottrade since late 2000/early 2001. No maintenance fees either. They have local branches that you can go to for depositing money into your account or for broker assisted trading ($29.95 or so). I hand carry my actual stock certificates I receive from my company's stock purchase plan :) . Hey, so I'm old school in some ways!

Yea untill the BIG CRASH soon to happen....:yes:and I hope it does BIG TIME!

won't effect the long-term investors. I have 30 years before I need to realize the gain on my investments. Plus, those going the 'Dollar Cost Averaging' route will start buying stocks at REALLY low prices, which will magnify when the stocks rebound.

There was a dramatic dip in stock prices in the early/mid 70s, Crash of 1987 (10/19/87?), and Tech Bubble burst in 2001. Many people lost money, especially those retiring those years or soon after. But, those that held true to their solid performing investments/stocks weathered the storm without much heartbreak. Slow and steady wins more times than not over the long run when talking stocks. That doesn't mean sitting in just any stock will be great over the long haul. Not true. Have to be in stocks that perform well year after year, decade after decade.

One can open a Schwab account with no money. The only catch is you have to open a checking account at Schwab bank. It takes no money to even do that but the checking account has no fees and pays 4.25% APY.
Schwab's running the checking accounts at a loss hoping you will transfer money over to your investment account and buy sometime. You never have to but that option is there. I use the investment account for goofing around but the free checking account with interest can't be beat.
https://www.schwab.com/

TMA is looking really tasty now, if it drops anymore I am buying!!!!!!!!!!!!!!!!!
If it goes to $23, I am going big on margin, the divvy alone would cover my interest.

Head spinning yet?

Couple thoughts.....

* Go to a Barnes and Noble and spend a few hours in the "investing" section browsing through some books on investing. Begin by looking for a chapter that follows the theme of "getting started". If there might be one book better than another that fits where you're at in your knowledge level of investing then buy it. Perhaps some day you might choose to talk to a financial planner or someone licensed and qualified in the business. They will assess your overall situation before offering any advice and direction.

* No one shoe fits every foot. What might be a good investment for me may not be a smart move for you.

* Don't get financial advice from a website that specializes in cars.

Jay it is almost unbelievable the lack of interest we generate in TMA. I have challenged people here and in other places to show me better numbers in any sector of a better stock. You have beat the street performance, off the chart performance, Goldstone and Thornburg buying blocks at several hundred thousand shares at a time, and me who at 55 retired at 48 and a lot of it because of TMA. But as Alfred E. Newman said "What Me Worry?"
My only regret is not buying enough shares at $7.60.

But lets move on to the next card game. Please give me your feel on CNE.
The Divi and industry woke me up. Where do you feel buying opportunity is based on return. Even the good ones slip because of intitutional profit taking and I just want to be in the game.

Have a good un'.

Head spinning yet?

Couple thoughts.....

* Go to a Barnes and Noble and spend a few hours in the "investing" section browsing through some books on investing. Begin by looking for a chapter that follows the theme of "getting started". If there might be one book better than another that fits where you're at in your knowledge level of investing then buy it. Perhaps some day you might choose to talk to a financial planner or someone licensed and qualified in the business. They will assess your overall situation before offering any advice and direction.

* No one shoe fits every foot. What might be a good investment for me may not be a smart move for you.

* Don't get financial advice from a website that specializes in cars.

Good Advice!! Thanks. I will being much research in the next couple of weeks..

Because the economy is crap:yes: since last October its dead.
What? What planet are you on? :clonk: are you waiting for the world to end as well?
Like Alan said you have to think long term and regularly invest.
If you're waiting on the big crash it happened in 1929. Otherwise you're going to be on the outside looking in. Be BULLISH
But I digress.

Back to the question
You could try a mutual find. Vanguard's indexed funds are low fee.
2-3 years is a short time span however, you may be better off in a high yield money market. You won't have to worry about a market dip just before you need the money. Just my .02

Head spinning yet?

Couple thoughts.....

* Go to a Barnes and Noble and spend a few hours in the "investing" section browsing through some books on investing. Begin by looking for a chapter that follows the theme of "getting started". If there might be one book better than another that fits where you're at in your knowledge level of investing then buy it. Perhaps some day you might choose to talk to a financial planner or someone licensed and qualified in the business. They will assess your overall situation before offering any advice and direction.

* No one shoe fits every foot. What might be a good investment for me may not be a smart move for you.

* Don't get financial advice from a website that specializes in cars.

Some people from "Car Websites" have real experience, investing experience. I am not in "financial sales", so I have nothing to sell, but what I think is a prudent and right thing to do, and what my own next game plan is.

Because the economy is crap:yes: since last October its dead.

Mister Contractor,
Only the home builders are broke.

Jay it is almost unbelievable the lack of interest we generate in TMA. I have challenged people here and in other places to show me better numbers in any sector of a better stock. You have beat the street performance, off the chart performance, Goldstone and Thornburg buying blocks at several hundred thousand shares at a time, and me who at 55 retired at 48 and a lot of it because of TMA. But as Alfred E. Newman said "What Me Worry?"
My only regret is not buying enough shares at $7.60.

But lets move on to the next card game. Please give me your feel on CNE.
The Divi and industry woke me up. Where do you feel buying opportunity is based on return. Even the good ones slip because of intitutional profit taking and I just want to be in the game.

Have a good un'.
I first found TMA on the lightning round of Mad Money. i watched it for awhile, because the divvy was to unreal for me to believe. I first bought 50 shares, then 50 more, then more, now almost half of my IRA is TMA. The Last divvy was just a real boom to my IRA.
Gotta have a oil and natural gas play. Check out this analyst upgrade.
http://www.marketwatch.com/news/story/ubs-boosts-canadian-energy-trusts/story.aspx?guid=%7B7D0BDD49%2DCE1D%2D4343%2DA82C%2 DAA4EA9E47129%7D&siteid=yhoof
along with it's M and A action. Gotta love MandA action.

Just a "car website", with lotsa of experienced people in lotsa diffrent walks of life, listen to them and believe.

you could always trade put/call options! :thumbsup:
Put-options on the QQQQ's made me some money today.
If you have little money then options are probably best (but more volatile and they do expire if you dont excercise them).

Otherwise, your current savings is probably your safest

Good Advice!! Thanks. I will being much research in the next couple of weeks..

About a year or 2 ago I read the following books (or audio books at work :) )

The wealthy barber

David Bach (an author, pick any of his books)

Rich Dad, Poor Dad

These don't necessarily focus on how or where to invest, but common sense that can make anyone financially independent.

Anyone else have a book that they found helpful? I'm always looking for more reading material.

Mister Contractor,
Only the home builders are broke.I think you need a reality check! Its not just the building trade its alot of other people too, trucking,plumbers,electricans,grocery store owners,real estate,painters,landscapers,and their is a whole lot more that I havent named. This country is doomed if is does not get a jolt soon.:yes:

We will never get anywhere until we develop discipline on spending. Harvey Penick in his golf book said "I will not teach you how to get out of sand traps but how not to get in them" His philosophy holds true for personal wealth management. As a society we just obligate ourselves to far too much debt.
The Dallas Morning News this morning talked about a proposal for goverment to bail out all the people with these foreclosed properties. 50% of these people should have never been in these houses to start with. Its Crap.

As a cattle rancher I understand my end product is about as high as the consumer will pay. The only way to help my bottom line is to lower my input costs. To do this I have to make do on less. The consumer will have to learn this. As a baby boomer ,55, we have ruined our children and grandchildren to the point they do not know what sacrfice is.

For the most part it is "Not the high cost of living but the cost of living high."
We should be working harder to save a $100 than killing ourselves to make a $100. It is the same $100.

I think you need a reality check! Its not just the building trade its alot of other people too, trucking,plumbers,electricans,grocery store owners,real estate,painters,landscapers,and their is a whole lot more that I havent named. This country is doomed if is does not get a jolt soon.:yes:
Last I checked they pay signing bonuses to truckers, because there are not enough of them.

you could always trade put/call options! :thumbsup:
Put-options on the QQQQ's made me some money today.
If you have little money then options are probably best (but more volatile and they do expire if you dont excercise them).

Otherwise, your current savings is probably your safest

He is a new investor, the brokerages will not allow him to trade options.

I think you need a reality check! Its not just the building trade its alot of other people too, trucking,plumbers,electricans,grocery store owners,real estate,painters,landscapers,and their is a whole lot more that I havent named. This country is doomed if is does not get a jolt soon.:yes:

Building/real estate has ridden a high for a long time. Every sector has corrections and is somewhat cyclical. You have be prepared to weather the lean times. We've all been there. We're more diversified and resilient than any other country.:yes:

Brad, sounds like your glass isn't half empty, it's bone dry:D

But here I go again.

Elcoman has some good advice on reading and researching on your own. You need to know the terminology, investing strategies, risk-reward relationship and put them in the framework of your goals.
Good Luck! At least you're young!!!!!!!!

I have TMA on my watch list, thanks to Jay and a previous post here at TC. Just don't have any spare money for the stock market right now. I did research it a bit. I'm just a little leary on mortgage company stocks (even though TMA has posted results showing their portfolio is holding up). But, I remember Lennar Homes (not a mortgage company) saying in early 2007 they were expected to produce results similar to 2006. Well, hasn't turned out like that, and the stock was hit a good blow. So, I'm sitting on the sideline, like I usually do :)

I'll add a tid-bit most investors know: The only mistake a person makes in regards to investments, is never investing.

There's so many ways to invest these days, there's no excuse for people not investing. But, I'm as guilty as the next for spending too much dang money.

A good book? Millionaire Next Door. Reason? It shows, you don't have to make a fortune to be wealthy. Also, it can help you stop spending money because you realize most people with high net worth (net worth being the key) don't buy extravagent items, houses, cars, etc.

What do you stock gurus think of AMAT?

I have TMA on my watch list, thanks to Jay and a previous post here at TC. Just don't have any spare money for the stock market right now. I did research it a bit. I'm just a little leary on mortgage company stocks (even though TMA has posted results showing their portfolio is holding up). But, I remember Lennar Homes (not a mortgage company) saying in early 2007 they were expected to produce results similar to 2006. Well, hasn't turned out like that, and the stock was hit a good blow. So, I'm sitting on the sideline, like I usually do :)

I'll add a tid-bit most investors know: The only mistake a person makes in regards to investments, is never investing.

There's so many ways to invest these days, there's no excuse for people not investing. But, I'm as guilty as the next for spending too much dang money.

A good book? Millionaire Next Door. Reason? It shows, you don't have to make a fortune to be wealthy. Also, it can help you stop spending money because you realize most people with high net worth (net worth being the key) don't buy extravagent items, houses, cars, etc.

TMA is a different kind of lender. Their average loan is $800,000, no subprime worries here. I think I read somewhere they are taking top pick of mortgages from large banks, as well.
Millionaire next door was a great book.
And about not investing, I was going to buy more Citibank, but wanted to get it lower, I missed out. Next time.LOL

Last I checked they pay signing bonuses to truckers, because there are not enough of them. My sister owns a trucking company and they are kinda busy but the added cost of repairs, parts, fuel, taxes, ect its very hard for them to make $$$ at it now. Yes they own their trucks.

Building/real estate has ridden a high for a long time. Every sector has corrections and is somewhat cyclical. You have be prepared to weather the lean times. We've all been there. We're more diversified and resilient than any other country.:yes:

Brad, sounds like your glass isn't half empty, it's bone dry:D

But here I go again.

Elcoman has some good advice on reading and researching on your own. You need to know the terminology, investing strategies, risk-reward relationship and put them in the framework of your goals.
Good Luck! At least you're young!!!!!!!!

Iam inspired for the other people that work not just me.
Iam 45 and Iam retired:yes: are you?

Bad Brad,
My buddy owns a heating and air business, he is doing quite well. I've seen his two new houses, new appliances for both houses, and new flooring for both houses. Almost forgot his 60" plasma on the wall, with surround sound, PS3, and I could go on. He bought all of this within the last 6 months.
He did a lot more to houses, but I don't want to overload the chevelles server with it all.
He is doing quite fine.

He wants me to invest his money and take a %. He is my good friend, so I had to decline the offer. Money and friends don't mix real well.

Bad Brad,
My buddy owns a heating and air business, he is doing quite well. I've seen his two new houses, new appliances for both houses, and new flooring for both houses. Almost forgot his 60" plasma on the wall, with surround sound, PS3, and I could go on. He bought all of this within the last 6 months.
He did a lot more to houses, but I don't want to overload the chevelles server with it all.
He is doing quite fine.

He wants me to invest his money and take a %. He is my good friend, so I had to decline the offer. Money and friends don't mix real well.
Ac work is always good here. seems every thing else is slow. Iam saying aloto of people are suffering here in alot of fields of work. I hear it every day from people I dont even know. As for the material items I already have them.:D

My sister owns a trucking company and they are kinda busy but the added cost of repairs, parts, fuel, taxes, ect its very hard for them to make $$$ at it now. Yes they own their trucks.



Iam inspired for the other people that work not just me.
Iam 45 and Iam retired:yes: are you?
I feel like it, I havent worked since 2004. Unless you consider being a bouncer work. I only had to put in work a few times when I was bouncing. LOL That was not work, girls hitting on you all night, and they are persistent, and competitive. Plus they would pay for everything when I would go out with them. I didn't put gas in my own tank for about a year.
I am going to school full-time though.
I got to play with my Elco all week.
Did you say she is busy?

Ac work is always good here. seems every thing else is slow. Iam saying aloto of people are suffering here in alot of fields of work. I hear it every day from people I dont even know. As for the material items I already have them.:D
Then how come you glass is empty. LOL
Put some sunshine in that glass. LOL
I like you Bad Brad!

What do you stock gurus think of AMAT?
I am not sure of that stock, but tech stocks are cyclical. Cramer says to wait until end of summer for tech stocks.

My brother is in HVAC. He and his buddy were laid off this past winter. It was very mild for a few weeks and work was really slow. The money was very inconsistant.

Although, he was over last night and added some refrigerant to mine :yes: .

Man is was 90° with 90% humidity. Yuck!

AMAT or Applied Materials hasn't been all that great of a performer since 2001. And their dividend isn't very high either. I'd be inclined to find a better tech stock. which one, I don't really have a recommendation. I got out of my tech stocks (red hat and cisco systems), mainly because I used the money to buy a house to live in.

I have some LVLT, but that is pure speculation. I don't recommend it.

Then how come you glass is empty. LOL
Put some sunshine in that glass. LOL
I like you Bad Brad!
I invested in forclosed homes when I was 25 and slowly traded and upgraded them to commercial real estate over the years. I would only invest in bonds if I were even thinking of investing into it, but wont go their since I have all the real estate.

My glass will be full tonight and tomorrow at my daughters wedding thats for sure:hurray::D
Too much sunshine down here in hot Florida thats for sure:yes:
See ya got to go to rehersal and then the dinner party next...:beers::beers:

Iam saying alot of people are suffering here in alot of fields of work. I hear it every day from people I don't even know.

You'll get that in a booming economy too. Folks complain all the time. I have friends who are self employed and doing well and they always complain things aren't good enough. I am not saying things couldn't be better but there are always complainers. The ones around you are probably envious of your situation is why you hear it :)

The only play I have in Tech is Texas Instruments. But without a sizable dividend, it and most everything else too pricey in this market. I still contend a world event will have big effects on the market. If it happens before year end we will have the election year support to help us maybe reach a new high. Short term patience at 5% cannot be critized.

I invested in forclosed homes when I was 25 and slowly traded and upgraded them to commercial real estate over the years. I would only invest in bonds if I were even thinking of investing into it, but wont go their since I have all the real estate.

My glass will be full tonight and tomorrow at my daughters wedding thats for sure:hurray::D
Too much sunshine down here in hot Florida thats for sure:yes:
See ya got to go to rehersal and then the dinner party next...:beers::beers:
Congrats on the daughters wedding.
You'll have to tell us about these foreclosures later.

I invested in forclosed homes when I was 25 and slowly traded and upgraded them to commercial real estate over the years. I would only invest in bonds if I were even thinking of investing into it, but wont go their since I have all the real estate.

My glass will be full tonight and tomorrow at my daughters wedding thats for sure:hurray::D
Too much sunshine down here in hot Florida thats for sure:yes:
See ya got to go to rehersal and then the dinner party next...:beers::beers:
Have a good one. At least the beer/liquor people are always busy:beers: