2009 | 2010 | |
ASSETS (In Thousands) | ||
Cash and Cash equivalents | 30 | 170 |
REAL ESTATE | ||
Primary residence | 400 | 650 |
Rental Properties | 650 | 550 |
INVESTMENT ACCOUNTS | ||
RRSP | 150 | 200 |
TFSA | 38 | 62 |
Non-regeristed | 150 | 363 |
Other Pesions | 25 | 50 |
Other Assets | 30 | 30 |
Receivables | 15 | 15 |
TOTAL ASSETS | 1,488 | 2,090 |
LIABILITIES | ||
Mortgage and Loans | 484 | 937 |
Tenant deposits | 4 | 3 |
Payables | 0 | 0 |
TOTAL LIABILITIES | 488 | 940 |
EQUITY | 1,000 | 1,150 |
INCOME | ||
Employment Income | 146 | 125 |
Real Estate Gain | 0 | 40 |
Real Estate un-realized | 40 | 0 |
Rental Net Income | 10 | 18 |
Stock Capital Gain | 139 | 76 |
Other Income | 5 | 21 |
Income Total | 340 | 280 |
EXPENSE | ||
Income Tax | 35 | 30 |
Other deductions | 7 | 10 |
Living Expense | 48 | 90 |
Other Expense | 0 | 0 |
Expense Total: | 90 | 130 |
Net | 250 | 150 |
Equity before this period | 750 | 1,000 |
EQUITY | 1,000 | 1,150 |
备注: 卖了自住房和一个投资房,换了一个大点的自住房,顺便大幅增加了贷款额,多出的现金用于投资或有待投资。
生活开支增长是因为换大房和多了一个可爱的BABY。
鉴于加拿大的房地产市场趋于平稳,采用成本即买入价,不计折旧。
家庭财富的增长现在主要靠投资拉动,所以必须采取稳健保守的投资策略。
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