Net Worth Statement – August 1 2007
Net Worth
Taxable Accounts:
$8,799.41 – Liquid Savings – 5.05% APY HSBC Savings Account
$15,380.75 – Stocks – Misc. Direct Investments
$5,659.35 – Stocks – Ameritrade Izone
$2,883.03 – Stocks – Zecco
$2,605.46 – Bonds – TreasuryDirect
$35,328.00 TOTAL
Retirement Savings:
$16,496.58 – ROTH IRA – Vanguard
$1,492.28 – ROTH IRA – Scottrade
$47,853.92 – 401K – T. Rowe Price
$65,842.78 TOTAL
Debts
$3,220.43 – Student Loan – AES (3.625%)
$6,658.00 – Credit Card BT – Discover (0%)
$7,110.00 – Credit Card BT – Citi (0%)
$16,988.43 TOTAL
Housing / Automobiles
$267,779.86 – Mortgage – Countrywide
$339,900.00 – Approximate Home Value
$10,774.00 – Approximate Car Value – Edmunds.com
$82,894.14 – TOTAL (Approximate Equity)
Networth Breakdown
| Assets | $ Diff | % Diff | |
| Cash | $8,799 | ($755) | -7.90 % |
| Stocks | $23,923 | ($792) | -3.20 % |
| Bonds | $2,605 | $0 | 0.00 % |
| Retirement | $65,843 | $81 | 0.12 % |
| Home | $339,500 | $0 | 0.00 % |
| Cars | $10,774 | ($75) | -0.69 % |
| Total Assets | $451,444 | ($1,541) | -0.34 % |
| Debts | $ Diff | % Diff | |
| Home Mortgage(s) | $267,780 | ($452) | -0.17 % |
| Student Loans | $3,220 | ($42) | -1.29 % |
| Credit Card | $13,768 | ($136) | -0.98 % |
| Total Debts | $284,768 | ($630) | -0.22 % |
| Net Worth | $166,676 | ($911) | -0.54 % |
Summary
My first down net worth month in quite a while. The bloodbath in the stock market certainly didn’t help, it looked like I was going to crack $50k in my 401k for the first time this month but then that happened.
Unfortunately my cash was also a bit depleted so I couldn’t put any money into the market during the downslide. Something I’m hoping to work on.
Monthly Goals
This is going to be another tough month. I have to pay our homeowners insurance and our school taxes are coming next month which makes me cringe. Hopefully the stock market can rebound for my lack of savings recently.
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Jon – I don’t really devote a lot of time on a daily basis. I have more of a long trading style and a good percentage of my money is in mutual funds and ETFs.
How much of a time investment per day do you typically devote to your stocks? Namely, do you find yourself going long or short in your trading style?