Patricia McDonald has determined the following information about her own financial situation. Her checking account is worth $800 and her savings account is worth $1,200. She owns her own home that has a market value of $99,000. She has furniture and appliances worth $11,000 and a laptop worth $3,100. She has a car worth $12,500 and owes $11,000 on her auto loan. She has also purchased some stock worth $5,400 and she has a retirement account worth $39,000. What is the total value of her assets?