My Financial Report - April 2009

Net Worth - March 2009

Net Worth
The stock market rally of March and the tax refund pushed our net worth up by 7.23% (+$12,383).
Bank and Cash Accounts
The majority of my cash is sitting in ~~high-yield~~ online savings accounts such as DollarSavingsDirect (2.05%-2.65% APY), HSBC Direct (1.65%-2.25% APY), and E*Trade Bank (1.45%-1.95% 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 March, our retirement portfolios enjoyed a big jump (+13.3% vs. S&P 500: +8.5%). The 401(k) and Roth IRA accounts ($65K) are on track to be maximized in 2009. My taxable account (+7.1%) at Zecco ($16K) also had a great month.
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 most of my expenses ($0.6K) 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.