將所有的議題整合起來.pptVIP

Prentice Hall Inc. Chapter 18第十八章 將所有的議題整合起來 Fitting the Pieces Together 將所有的議題整合起來 The Ingredients of Success 財務成功的要素 Evaluate you financial health評估你的財務狀況 Plan and budget計劃及預算 Manage your cash and credit管理你的現金及預算 Make knowledgeable consumer decisions做理性的消費決擇 Have adequate insurance有足夠的保險 Understand the sound principles of investing充分了解投資原理 Make investment decisions that reflect your goals確信所有的投資決策可以達成你的投資目標 Plan for retirement退休計畫 Plan for appropriate distribution of assets upon death計劃在過世後如何處理財產及照顧親屬 Your Financial Future Starts Now你的財務未來由現在開始 Challenges ahead:需面對的挑戰有 Student loans學生助學貸款 Credit card debt信用卡及負債 Budgeting, spending, saving預算、花費及儲蓄 Marriage結婚 Children小孩 Choose wealth NOW!現在選擇財富吧 A Look Back at the Financial Life Cycle 財務生命週期的回顧 Increase awareness and discussion of personal finance issues.注意察覺並與人討論個人理財 Financial decisions affect your lifestyle; make sure they reflect your financial goals and values.個人理財會影響你的生活型態，確定它们所反映出的財務目標與價值 Prepare for the financial challenges, and changes, of the next few years.在未來的幾年準備接受財務挑戰及變化 Use your strongest ally on the road to personal financial success – time.運用與你通往個人理財成功之路最有關聯的─時間 Women and Personal Finance: 婦女與個人理財Why It’s Important為何如此重要 Achieving financial security is tougher for women對婦女而言要達到財務保障目標是較困難 Know the facts that make women financially vulnerable瞭解婦女財務較脆弱的事實 Why Are Women Financially Vulnerable?為何婦女的財務較脆弱 90% of women will be solely responsible for their financial decisions at some time in their lives .百分之九十的婦女在她们生命的某個時期必需單獨財負起務決策的責任 20% of women will never marry.百分之二十的婦女不會結婚? 47% of first marriages and 49% of second marriages end in divorce.?在首次婚姻中有百分之四十七的婦女離婚，而再婚的婦女中又有百分之四十九的婦女以離婚收場??? Why Are Women Financially Vulnerable? (cont’d)為何婦女的財務較脆弱(續) 75% of women do not know how much they need to save for retirement.百分之75的婦女不知要儲存多少以應付退休 Women invest more conservatively than men, therefore generating lower returns and earning less.婦女的投資較男性保守，故投資收益相對較低 Why Are Women Financially Vulnerable? (cont’d)為何婦女的財務較脆弱