|
所在平台: Udemy |
课程主页: https://www.udemy.com/course/keystone-financial-academy-personal-finance-masterclass/
课程评论：没有评论
课程名称：基石金融学院个人理财大师班 课程概述：本课程全面涵盖个人理财的各个重要主题，旨在帮助学员精通管理财务的各个方面。 第一部分：理解信用。我们将从重要的信用相关术语和信用类型入手，深入了解信用评分的细节，特别关注如何获得并保持高信用评分。课程将涵盖FICO和VantageScore模型及其构成，并讨论如何管理信用，最后还将讲解如何修复信用评分（如果需要修复的话）。 第二部分：建立储蓄。我们将首先讨论储蓄的必要性以及应储蓄的金额，随后详细介绍各种可以帮助储蓄的金融工具，如银行和信用合作社的储蓄账户、货币市场账户（MMA）和定期存款（CD）。 第三部分：预算与消费。课程将讨论常见的生活支出，并详细讲解如何降低这些支出。接着，我们将学习如何制定可行的预算，并介绍50/30/20法则及零基预算（ZBB）。最后，课程也将介绍一些可以帮助预算和消费的软件选项。 第四部分：管理债务。我们将讨论不同的债务类型和类别，并探讨如何避免债务的产生。然后，课程将介绍多种有效的债务偿还策略，如债务堆叠、债务雪球、余额转移和债务合并贷款。 通过本课程，学员将具备全面的个人理财知识，提升自我财务管理的能力。
This informative class will cover all the important topics related to personal finance, with the goal of making you well-versed in every aspect of managing your money!PART 1 is all about Understanding Credit. We'll start with important credit-related terms and types of credit, and then get into the details of what your credit score is all about, with a special focus on how you can achieve (and maintain) a high credit score. Both the FICO and VantageScore models will be covered, and what goes into them discussed. We'll then move on to managing credit, and conclude with how to fix your credit score, if it needs repair.PART 2 is all about Establishing Savings. We'll start with why and how much you should be saving, and then talk in detail about the various financial tools to help you with this, such as bank and credit union savings accounts, Money Market Accounts (MMAs), and Certificates of Deposit (CDs).PART 3 is all about Budgeting & Spending. We'll start by going over all the typical living expenses, and discuss in detail how to cut costs with all of them. We'll then get into budgeting, and how to put together a workable budget, and introduce the 50/30/20 Rule as well as Zero-Based Budgeting (ZBB). Finally, we'll go over some of the software options that can help you with budgeting and spending.PART 4 is all about Managing Debt. We'll start by discussing the different categories and types of debt, and then discuss ways you can avoid getting into debt in the first place. We'll then talk about a number of effective debt payback strategies such as Debt Stacking, Debt Snowball, Balance Transfers, and Consolidation Loans.
