MAY 2021
Cash includes half of joint account with Robert + all my bank accounts & half of joint (with Inna) bank account + my PayPal/Cash notes (Inna's bank accounts excluded)
Stocks is holdings (and any cash in accounts) within all ANZ & all CommSec (CommSec is not half only as I funded it fully and it is all for House) NOTE Cash in Inna's Westpac Share Account is counted as will all go to House / Share value in there is only half counted as will sell half later for House mortgage Not yet counting all her shares and cash as one unit - eventually might but not yet
Bonds is Rental Bond $2200 Plus Land Deposit for House $32500 Plus now also $10000 Loan to Inna (she paid $10000 in April) Bonds: $44700
***Land should be settled in August and will be paid for in cash - there will be costs with this but overall networth will go up because the land is now worth more than contract price / Will reduce cash balance and deposit bond and pay fees to but will add value of the land as more like $370K (exact tbd) so networth will be up more / At this point may consider counting all of Inna's worth in as well - ie now a new joint entity and be done with it as already all blended****
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