February 2008 Site and Net Worth Review (+0.63%)

By Pinyo, on March 3, 2008

Net Worth Review

February was another roller coaster month for the stock market. If it wasn’t for the -2.71% drop on February 29th, the monthly performance would have been mostly flat. In the end, the S&P 500 index dropped -3.48% from 1378.55 to 1330.63. According to NetworthIQ, my net worth actually went up +0.02% and net investable assets went up +0.63%, or from 22.18% to 22.32% of $1 million goal — a refreshing change after 2 months of red.

Highlights

• We are still a single income family, but we began to discuss her returns to work a little bit more.
• My alternative investment through peer-to-peer lending networks grew:
  • Three of my five loans are beginning to pay back on Prosper, and my portfolio grew from $251.67 to $257.24 with average interest rate of 11.48%.
  • On Lending Club, my portfolio grew from $50.61 to $225.61 with average interest rate of 11.55%. I should see my first set of payments in March.
• About $10,000 of CD matured this month and we moved it to high yield savings account because the interest rate is actually better than CD. All these rate cuts have been wrecking havoc on interest rate!
• The black horse of the month is the super fast tax refund from the IRS, which basically took my net worth into the positive territory — thank you!

What my friends are saying about their net worth

• February 2008 Net Worth Review at Single Guy Money
• February 2008 Net Worth Update at My Dollar Plan

Talking about net worth, I found an interesting article on Prime Time Money: 10 Things That Bring Success in Personal Finance: #6 Track Your Net Worth and Set a Goal.

Blog Review

As always, I owe the success of this blog to the support from my readers and fellow bloggers. So a big THANK YOU to all!

Performance

• Subscribers grew +10% from 876 to 966 — if you are not a subscriber yet, subscribe now…it’s free.
• Search traffic grew +1% from 3,847 to 3,867
• Unique visitors dropped -37% from 42,562 to 26,924
• Page views dropped -46% from 88,609 to 48,271

Well, I don’t expect to beat the incredible traffic level of January 2008 for a while.

Top 5 Most Viewed Posts This Month

1. 50+ Frugal Tips, Ideas, and Resources from 1/31/2008
2. Is Peer to-Peer Lending Ready for Prime Time? from 2/11/2008
3. 35 Common Sense Rules for Investing from 7/31/2007
4. What is Debt-To-Income Ratio (DTI) and Why Does It Matter? from 1/29/2008
5. Got My Verizon Free TV and Wished I Could Do It All Over from 1/6/2008

Top 10 Referrers

Although I wish I could list everyone that sent visitors, it would be an impossibly long list. I appreciate everyone’s help, regardless of how big or small. Here are the top 10 referrers:

1. Being Frugal
2. Lifehacker.com
3. I’ve Paid For This Twice Already…
4. MSN Smart Spending
5. Cash Money Life
6. Gather Little By Little
7. My Two Dollars
8. Five Cent Nickel
9. LendingClub Blog
10. Million Dollar Journey

Again, a big thanks to my readers and fellow bloggers for your support.

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Pinyo is the brain behind Moolanomy personal finance blog and a few other web sites. If you like this article, please subscribe for free daily email updates.

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1. –› February 2008 Net Worth Update: -1.8%