October Net Worth Update (+$28,454)

Assets	Sep-10	Oct-10	Change	%
Cash & Savings	$ 28,530.58	$ 35,915.39	$ 7,384.81	25.88%
Taxable Brokerage Accts	$ 122,411.79	$ 126,644.67	$ 4,232.88	3.46%
Roth IRAs	$ 60,876.97	$ 63,616.09	$ 2,739.12	4.50%
Pre-tax Retirement Accts	$ 232,153.99	$ 240,893.00	$ 8,739.01	3.76%
Stock Options	$ 20,405.00	$ 25,135.00	$ 4,730.00	23.18%
ESPP	$ 23,154.56	$ 17,007.48	$ (6,147.08)	-26.55%
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	$ 1,075,757.89	$ 1,097,436.63	$ 21,678.74	2.02%
Liabilities
Credit Card Balances	$ (3,045.72)	$ (3,185.99)	$ (140.27)	4.61%
House #1 Mortgages	$ (113,620.04)	$ (105,347.08)	$ 8,272.96	-7.28%
House #2 Mortgages	$ (10,475.75)	$ (10,380.34)	$ 95.41	-0.91%
House #4 Mortgages	$ (256,000.00)	$ (255,655.16)	$ 344.84	-0.13%
Rental Deposits	$ (4,697.72)	$ (4,697.72)	$ -	0.00%
Additional Tax Liability	$ (7,753.90)	$ (9,551.30)	$ (1,797.40)	23.18%
Other Liabilities			$ -
Total Liabilities	$ (395,593.13)	$ (388,817.59)	$ 6,775.54	-1.71%
$2million Goal Progress*	$ 636,164.76	$ 664,274.20	$ 28,109.44	4.42%
Net Worth	$ 680,164.76	$ 708,619.04	$ 28,454.28	4.18%

Highlights for October

We use to take advantage of 0% APR balance transfers earning interest in my savings accounts, but that well has dried up for now. We are actively looking at taking advantage of new offers on 0% APR on purchases as an additional arbitrage opportunity.
We track our real estate properties according to our cost basis. For comparison purposes Zillow reports the estimated value of these properties in Oct to be: $201,500; $145,500; and $296,500 respectively.
Overall our holdings fared significantly worse than our benchmark. Our benchmark (VTI) gained 4.55% of its value in August vs 2.47% for our investments. Probably the worse month in recent history for us.The full details of our investments will be posted shortly.
My wife and I enjoyed our first cruise and felt it was a good value as I think we kept our expenses to a minimum.
Major purchases in October include primarily cruise expenses ($551.59) and improvements to our master bathroom ($376.10).
We sold an additional 50 shares of IBM stock as it has continued to hit new multi-year highs and we want to re-balance our portfolio. I'll plan on holding this primarily as cash until investment opportunities present themselves.

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