| Assets | Jan-10 | Feb-10 | Change | % |
| Cash & Savings | $ 17,204.40 | $ 17,284.46 | $ 80.06 | 0.47% |
| Taxable Brokerage Accts | $ 109,096.94 | $ 109,288.34 | $ 191.39 | 0.18% |
| Roth IRAs | $ 50,856.92 | $ 52,909.40 | $ 2,052.48 | 4.04% |
| Pre-tax Retirement Accts | $ 193,999.98 | $ 201,346.72 | $ 7,346.74 | 3.79% |
| Stock Options | $ 23,248.00 | $ 26,288.00 | $ 3,040.00 | 13.08% |
| ESPP | $ 20,952.45 | $ 20,964.40 | $ 11.95 | 0.06% |
| House #1 – Rental | $ 160,000.00 | $ 160,000.00 | $ – | 0.00% |
| House #2 – Rental | $ 128,225.00 | $ 128,225.00 | $ – | 0.00% |
| House #3 – Sold | $ – | $ – | $ – | |
| House #4 – Primary | $ 300,000.00 | $ 300,000.00 | $ – | 0.00% |
| Receivable (Payable) | $ – | $ – | $ – | |
| Other Assets | $ – | $ – | $ – | |
| Total Assets | $ 1,003,583.69 | $1,016,306.32 | $ 12,722.62 | 1.27% |
| Liabilities | ||||
| Credit Card Balances | $ (647.06) | $ (1,604.71) | $ (957.65) | 148.00% |
| House #1 Mortgages | $ (134,483.79) | $ (134,383.79) | $ 100.00 | -0.07% |
| House #2 Mortgages | $ (18,179.17) | $ (14,351.32) | $ 3,827.85 | -21.06% |
| House #3 Mortgages | $ – | $ – | $ – | |
| House #4 Mortgages | $ (237,954.47) | $ (237,537.31) | $ 417.16 | -0.18% |
| Rental Deposits | $ (4,657.72) | $ (4,657.72) | $ – | 0.00% |
| Additional Tax Liability | $ (8,834.24) | $ (9,989.44) | $ (1,155.20) | 13.08% |
| Other Liabilities | $ – | |||
| Total Liabilities | $ (404,756.45) | $ (402,524.29) | $ 2,232.16 | -0.55% |
| $2million Goal Progress* | $ 536,781.71 | $ 551,319.34 | $ 14,537.62 | 2.71% |
| Net Worth | $ 598,827.24 | $ 613,782.03 | $ 14,954.78 | 2.50% |
Highlights for February
- All credit card debt (except current month’s purchases) is in the form of 0% APR balance transfers earning interest in my savings accounts. We paid off the last of our 0% balance transfers in January 2009. The well has dried up for now, but we are ready to take advantages if any offers come our way.
- We track our real estate properties according to our cost basis.
- We received a $1,950 distribution from the taxes/insurance escrow account on our House#4 mortgage. The payment was a result of a tax prepayment when we bought the house back in 2008, it just took a while to catch up to us. Hence we had an extra bump this month in our cash flow.
- The stock market was up strongly for the month, although our actively managed holdings performed poorly against our benchmark. The full details of our investments will be posted shortly.
- Otherwise we continued to focus on paying down our IELOC (House #2 mortgage) which has been an ongoing focus for us. Our goal is to pay off this credit line by the end of this year as one of the steps to reduce our total debt load.
- For the first time since I graduated college I filed our taxes prior to April. I quickly realized we were going to get a large refund and it motivated me to aggressively pursue our income tax preparation. Our tax returns have been sent and now we are just waiting for our refunds. I have also already changed my withholding rate with my employer so that we should not get such a large refund next year. This year with a new baby, some sizable losses with our rental properties and stock investments meant we owed a lot less than I expected.
