Archive for December, 2009

Net Worth Statement – December 1 2009 (-2.00%)

Posted December 1, 2009 by Chuck Posted in:

Net Worth

Summary

Well my cash reserves finally took a hit from the large school tax bill I paid the previous month. We also took a big hit from the value of our SUV – I think I did not input the specs in correctly last month as that number seemed high to me, so hopefully its correct going forward.

On the plus side, I was finally able to refinance our home loan down to 4.875% thought it does not take effect until next month. Pretty happy about that since our rate was probably about the highest it had been in the last 6 years or so.

Monthly Goals

Rebuild the cash reserves. They are much lower than I am comfortable with right now. Would also be nice to keep the holiday shopping under control.

		Dec-09
ASSETS			$ DIFF	% DIFF
	HSBC Savings Account (1.45% APY)	$145.58
	DollarSavingsDirect Savings (1.70% APY)	$10,643.93
	Schwab Investor Checking (0.75% APY)	$8,285.91
	CASH TOTAL	$19,075.42	-$3,581.41	-15.81%
	Treasury Direct	$2,860.04
	BONDS TOTAL	$2,860.04	$9.60	0.34%
	Ameriprise ROTH IRA (Chuck)	$17,371.86
	Ameriprise ROTH IRA (Wife)	$841.95
	T. Rowe Price 401K (Chuck)	$60,156.68
	T. Rowe Price 401K (Wife)	$18,904.00
	RETIREMENT TOTAL	$97,274.49	$3,454.59	3.68%
	House Value (Zestimate)	$334,500.00
	Car Value (Edmunds.com)	$6,679.00
	SUV Value (Edmunds.com)	$21,651.00
	MISC TOTAL	$362,830.00	-$3,295.00	-0.90%
TOTAL ASSETS		$482,039.95	-$3,412.22	-0.70%

DEBTS			$ DIFF	% DIFF
	Countrywide Mortgage(6.75%)	$254,548.53
	MORTGAGE TOTAL	$254,548.53	$0.00	0.00%
	AES Student Loan (3.625%)	$2,144.09
	ACS Student Loan (3.75%)	$2,209.18
	Great Lakes Student Loan (3.25%)	$43,417.56
	Honda Financial Services	$11,212.44
	LOAN TOTAL	$58,983.27	-$707.82	-1.19%
	BOA MC (0%)	$6,828.40
	BOA NEA (0%)	$14,099.36
	BOA NEA 2 (0%)	$15,967.70
	Citi Upromise (0%)	$10,735.85
	CREDIT CARD TOTAL	$47,631.31	-$233.23	-0.49%
TOTAL DEBTS		$361,163.11	-$941.05	-0.26%

NET WORTH		$120,876.84	-$2,471.17	-2.00%