Year End | 2011 | 2012 |
ASSETS (In Thousands) | ||
Cash and Cash equivalents | 215 | 199 |
REAL ESTATE | ||
Primary residence (FMV) | 750 | 800 |
Rental Properties (FMV) | 1400 | 2230 |
Pension stocks | 187 | 201 |
stock investments | 308 | 305 |
Other Pesions | 45 | 54 |
Other Assets | 85 | 65 |
Receivables | 10 | 80 |
TOTAL ASSETS | 3,000 | 3,934 |
LIABILITIES | ||
Mortgage and Loans | 1522 | 1976 |
Tenant deposits | 8 | 8 |
Payables | 0 | 50 |
TOTAL LIABILITIES | 1530 | 2034 |
EQUITY | 1,470 | 1,900 |
INCOME | ||
Employment Income | 150 | 120 |
Business Net Income | 130 | 180 |
Real Estate un-realized gain | 185 | 160 |
Rental Net Income | 35 | 60 |
Stock Capital Gain | -30 | 80 |
Other Income | 4 | 4 |
Income Total | 474 | 604 |
EXPENSE | ||
Income Tax | 50 | 68 |
Living Expense | 90 | 100 |
Other Expense | 10 | 10 |
Expense Total: | 150 | 178 |
Net | 324 | 426 |
Equity before this period | 1,150 | 1,474 |
EQUITY | 1,474 | 1,900 |
2012总结:
1) 房产的价格以市政府的估价结合市场评估。评估的房产增值大概是5%。
2) 自住房FMV增加主要是做了装修和升值
3)2012年增持了出租物业,增加了贷款,租金净收益也增加。
4) 股票投资收益大概是20%,收益部分做为增持房产的首付。
2013展望:
1) 优化出租房产,卖掉CAP RATE在5%以下的出租房,回笼资金,减少负债和风险;
2) 争取新的一年股市收益超过加拿大TSX指数一倍。
3)工作后的第7年赚到了第一个百万,预计2013年中净资产会突破两百万。只要本地房地产市场不崩溃,第二个百万大概花三年半时间。
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