如何衡量你的财务体质并进行规划.pptVIP

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;Your Assets: What You Own 資產： 你所擁有的;Monetary Assets:貨幣性資產 ;Investment Assets: 投資資產;Retirement Plans: 退休計畫;Housing / Real Estate: 房屋/不動產;Automobiles and Other Vehicles:汽車;Personal Property: 個人資產;Other Assets: 其他資產;Your Liabilities: What You Owe你的負債：你所賒欠的;Current Liabilities流動負債;Long-term Liabilities長期負債;Your Net Worth: A Measure of Your Wealth你的淨值：衡量你的財富;Using an Income Statement to Trace Your Money使用損益表來追蹤你的財務;Income: Where Your Money Comes From收益：你的財務從何而來;Expenditures: Where Your Money Goes支出：你的財富往何處去;Where Does It Go, On Average?平均來說，家庭支出都用到什麼地方？;Using Ratios: A Financial Thermometer使用比率：一個財務的溫度計;Question 1: Do You Have Adequate Liquidity?問題1：你有適當的變現能力嗎？;Current Ratio流動比率;Current Ratio Interpretation流動比率的解釋;Month’s Living Expenses Covered Ratio每月生活支出涵蓋比率;Month’s Living Expenses Covered Ratio Interpretation每月生活支出涵蓋比率的解釋;Question 2: Can You Meet Your Debt Obligations?問題2：我有能力去面對我的債務責任嗎？;Debt Ratio負債比率;Debt Ratio Interpretation負債比率的解釋;Long-term Debt Coverage Ratio長期負債支應比率;Long-term Debt Coverage Ratio Interpretation長期負債支應比率的解釋;Question 3: Are You Saving As Much As You Think?問題3：我可以存和我想要的一樣多的錢嗎？;Savings Ratio儲蓄比率;Savings Ratio Interpretation儲蓄比率的解釋;Record Keeping保持紀錄;Record Keeping (cont’d)保持紀錄(續);Ways to Track Expenditures追蹤支出的方法;Personal Income Taxes個人所得稅;A Financial Plan: 理財規劃：A Plan for the Future為未來編製一個計畫;A Cash Budget:現金預算：A Plan for Today今日的計畫;Putting It All Together: Budgeting將它放在一起：預算;Developing a Cash Budget發展一個現金預算;Calculating the Bottom Line計算底線;Calculating the Bottom Line計算底線(上張投影片翻譯);Implementing a Cash Budget執行現金預算;Managing Your Own Affairs Versus Hiring a Professional自己理財或??由專家理財;Paying Your Financial Planner:理財規劃師的付費方式;Choosing a Professional Planner選擇專業規劃師;Choosing a Professional Planner (cont’d)選擇專業規劃師(續);Summary摘要