September 2010 Net Worth Update (+$30,827)

Assets	Aug-10	Sep-10	Change	%
Cash & Savings	$ 31,008.94	$ 28,530.58	$ (2,478.36)	-7.99%
Taxable Brokerage Accts	$ 114,430.56	$ 122,411.79	$ 7,981.23	6.97%
Roth IRAs	$ 54,740.27	$ 60,876.97	$ 6,136.70	11.21%
Pre-tax Retirement Accts	$ 209,882.22	$ 232,153.99	$ 22,271.77	10.61%
Stock Options	$ 23,840.00	$ 20,405.00	$ (3,435.00)	-14.41%
ESPP	$ 21,457.82	$ 23,154.56	$ 1,696.74	7.91%
House #1 - Rental	$ 160,000.00	$ 160,000.00	$ -	0.00%
House #2 - Rental	$ 128,225.00	$ 128,225.00	$ -	0.00%
House #4 - Primary	$ 300,000.00	$ 300,000.00	$ -	0.00%
Receivable (Payable)	$ -	$ -	$ -
Other Assets	$ -	$ -	$ -
Total Assets	$ 1,043,584.81	$ 1,075,757.89	$ 32,173.08	3.08%
Liabilities
Credit Card Balances	$ (1,159.05)	$ (3,045.72)	$ (1,886.67)	162.78%
House #1 Mortgages	$ (113,938.40)	$ (113,620.04)	$ 318.36	-0.28%
House #2 Mortgages	$ (9,393.57)	$ (10,475.75)	$ (1,082.18)	11.52%
House #4 Mortgages	$ (256,000.00)	$ (256,000.00)	$ -	0.00%
Rental Deposits	$ (4,697.72)	$ (4,697.72)	$ -	0.00%
Additional Tax Liability	$ (9,059.20)	$ (7,753.90)	$ 1,305.30	-14.41%
Other Liabilities			$ -
Total Liabilities	$ (394,247.94)	$ (395,593.13)	$ (1,345.19)	0.34%
$2million Goal Progress*	$ 605,336.87	$ 636,164.76	$ 30,827.89	5.09%
Net Worth	$ 649,336.87	$ 680,164.76	$ 30,827.89	4.75%

Highlights for September

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.
Overall our holdings fared slightly worse than our benchmark. Our benchmark (VTI) gained 9.71% of its value in August vs 9.87% for our investments. Still an awesome month in gains which provides a significant positive impact on our net worth.The full details of our investments will be posted shortly.
Major purchases in September include primarily vacation expenses and an invoice for some improvements and repairs to House #1 rental property.
We refinanced our House #4 primary mortgage in August and used our home's increased value to consolidate part of a higher rate mortgage on House #1. Our first mortgage payment on the new loan is due Oct 1st.
We sold 300 out of the 800 of the stock options we hold from my employer. The options expire in August 2011 and we decided to sell some options (as the stock is at a multi-year high) and use the proceeds to further paydown the primary mortgage on House #1. The proceeds of the option sale are not included in our Sept net worth statement.

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