My Financial Report - March 2009

Net Worth - February 2009

Net Worth
Our net worth was artificially inflated by 2.18% (+$3,648), thanks to my annual bonus.
Bank and Cash Accounts
The majority of my cash is sitting in ~~high-yield~~ online savings accounts such as DollarSavingsDirect (2.65%-3.50% APY), E*Trade Bank (1.95%-3.01% APY), and HSBC Direct (2.25%-2.45% APY).
Other Assets
That’s not a Zillow estimate but the price we paid ($201K) two years ago. Zestimate for our house is currently a bit below our purchase price.
Investment Accounts
- CDs
  I have a total of three CDs: A 6-month CD (4.00% APY) at HSBC Direct ($8K) maturing in April and two 12-month CDs (4.25% APY) at ING DIRECT ($23K) maturing in November.
- I-Bonds
  I also have some I-Bonds ($10K) bought in April 2008 (~4.43% APY).
- Portfolios
  In February, our retirement portfolios kept shrinking (-8.6% vs. S&P 500: -11.0%). The 401(k) and Roth IRA accounts ($57K) are on track to be maximized in 2009. My taxable account (-4.0%) at Zecco ($15K) picked up one and only stock while anticipating a big ride down the hill.
Credit Cards
- Balance Transfers
  I currently have two 0% APR balance transfer offers ($22K), and the borrowed money is earning interest in CDs.
- Usage
  I paid nearly all my expenses ($1K) with my favorite cash rebate credit cards - Chase Freedom and Chase Business Cash Rewards. The total balance is to be paid off at the end of the billing cycle.
Loans
The only debt we have is the mortgage of our house.

Spending by Category - February 2009

Insurance
We paid our semi-annual auto insurance. Surprisingly, the rate dropped a bit from six months ago.

Trading or Investing:

Mar 1st, 2009 | Trackback
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Paul Morales said:
March 2nd, 2009 at 2:56 pm

Thanks for posting ;). I’m working on getting myself up to something your doing.
Paul Morales said:
March 2nd, 2009 at 2:58 pm

It’s amazing your only 20 years old