个人理财英文版二PPT课件

Chapter2,MoneyManagementSkills,Copyright2010byTheMcGraw-HillCompanies,Inc.Allrightsreserved.,McGraw-Hill/Irwin,MoneyManagementSkillsChapterObjectives,IdentifythemaincomponentsofwisemoneymanagementCreateapersonalbalancesheetandcashflowstatementDevelopandimplementapersonalbudgetConnectmoneymanagementactivitieswithsavingforpersonalfinancialgoals,2-2,Objective1IdentifytheMainComponentsofWiseMoneyManagement,Moneymanagement=day-to-dayfinancialactivitiesnecessarytomanagecurrentpersonaleconomicresources,whileworkingtowardlong-termfinancialsecurityDailyspendingandsavingdecisions=centraltofinancialplanningMustbecoordinatedwithneeds,goals,andpersonalsituations,2-3,ComponentsofMoneyManagement,2-4,MoneyManagementTroubles&Debt,Gettingoutofdebt:EvaluateyourcreditsituationTrackyourspendingPlantomakepaymentsontimeConsiderotherincomesourcesIfappropriate,seekassistance,2-5,AnOrganizedPersonalFinancialRecordsSystem,Providesabasisfor:Handlingdailybusinessaffairs,suchasbillpayingPlanningandmeasuringfinancialprogressCompletingrequiredtaxreportsMakingeffectiveinvestmentdecisionsDeterminingavailableresourcesforcurrentandfuturebuying,2-6,RecordsinYourHomeFile,ItemsyourefertooftenPersonalandemploymentrecordsMoneymanagementrecordsTaxrecordsFinancialservicesrecordsCreditrecordsConsumerpurchaseandautorecordsHousingrecordsInsurancerecordsInvestmentrecordsEstateplanningandretirementrecords,2-7,WhattoKeepinaSafeDepositBox,Recordsanditemsthatwouldbehardtoreplace:Birth,marriageanddeathcertificatesListofchecking,savingsandfinancialinstitutionaccountnumbersCitizenshipandmilitarypapersAdoptionandcustodypapersSerialnumbersandphotosofvaluablesCDsandcreditandbankingaccountnumbersMortgagepapersandtitlesListofinsurancepolicynumbersStockandbondcertificatesCoinsandothercollectiblesCopyofwill,2-8,RecordsonYourPersonalComputer*,CurrentandpastbudgetsSummaryofcheckswrittenandotherbankingtransactionsPastincometaxreturnspreparedwithtaxpreparationsoftwareAccountsummariesandinvestmentperformanceresultsComputerizedversionsofwills,estateplans,andotherdocuments,*Keepabackup!,2-9,HowLongtoKeepRecords,2-10,Objective2CreateaPersonalBalanceSheetandCashFlowStatement,BenefitsRecapyourcurrentfinancialpositioninrelationtothevalueofitemsyouownandamountsyouoweMeasureprogresstowardfinancialgoalsMaintaininformationonfinancialactivitiesProvideinformationforpreparingtaxformsorapplyingforcredit,2-11,BalanceSheet,Afinancialstatementthatreportswhatanindividualorfamilyownsandowesasofaspecificdate:Alsocalled:NetworthstatementStatementoffinancialposition,2-12,ComponentsofaBalanceSheet,Step1ListitemsofvalueLiquidassetsRealestatePersonalpossessionsInvestmentassetsStep2DetermineamountsowedCurrentliabilities(InflowsDrawfromsavingsorborrowProblem/Result:LowerassetsorhigherliabilitiesInflowsOutflowsPutmoneyintosavingsorpayoffdebtsResult:Highernetworth,2-28,SelectingaSavingTechnique,WriteacheckeachpaydayanddepositinasavingsaccountUsepayrolldeductiontodepositacertainamountinsavings(directdeposit)Savecoinsorspendlessoncertainitems,2-29,CalculatingSavingsAmounts,Convertsavingsgoalsintospe