衡量你的财务体质并进行规划49.pptVIP

Prentice Hall Inc. Measuring Your Financial Health and Making a Plan衡量你的財務體質並進行規劃 Using a Balance Sheet to Measure Your Wealth使用資產負債表來衡量你的財富 Personal balance sheet: the financial Polaroid個人資產負債表：財務拍立得 The financial equation: calculating net worth or equity財務方程式：計算淨值 Assets – Liabilities = Net Worth資產 – 負債 = 淨值 Your Assets: What You Own 資產： 你所擁有的 Monetary貨幣性資產 Investment投資 Retirement plans退休計畫 Real estate不動產 Automobiles and other vehicles汽車 Personal property個人財產 Other tangible and intangible assets其他財產 Monetary Assets:貨幣性資產 Cash or other assets that can be easily converted into cash現金或其他容易變成現金的資產 These assets provide necessary liquidity in case of an emergency.這種資產可以在緊急需要時提供變現的流動性 Examples – cash, checking accounts, savings accounts例如—現金、支票存款、存摺存款。 Investment Assets: 投資資產 Assets that are invested for the future為了未來所投資的資產 These assets are used to accumulate wealth to satisfy a goal.這些資產是用來累積財富以達成特殊目的 Examples – stocks, bonds, mutual funds, cash value life insurance例如—股票、債券、共同基金、人壽保險的現金價值 Retirement Plans: 退休計畫 Investments by you or your employer to save for retirement由你或你的老闆所投資，以儲存你的退休金。 Long-term investments that often carry a penalty if used before a certain age長期投資，如果你在某一年齡前提領，可能有罰則 Examples – pensions, IRAs, 401(k), 403(b), Keogh, or SEP-IRA plans例如-退休金、 IRAs, 401(k), 403(b), Keogh, or SEP-IRA 計畫 Housing / Real Estate: 房屋/不動產 Tangible asset such as land and a dwelling, reported as fair market value有形資產例如土地和建物，以市價認定 Represents most of your savings, and normally appreciates in value顯示出你的所有積蓄之所在，以及其增值。 Examples – primary residence, vacation home, rental properties例如—主要的住所、渡假小屋以及出租資產 Automobiles and Other Vehicles:汽車 Tangible assets that normally must be inspected and licensed有形資產必須要定期檢驗以及取得牌照的資產 Reported as fair market value, but normally depreciate in value以市價來認定，但是必須要扣除折舊 Examples – cars, trucks, motorcycles, and recreational vehicles例如—汽車、卡車、摩托車、和休閒的交通工具 Personal Property: 個人資產 Tangible assets that represent your lifestyle有形資產用以顯示你的生活型態 Reported as