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所在平台: Udemy |
课程主页: https://www.udemy.com/course/personal-capital-free-financial-planner-application/
课程评论：没有评论
课程名称：个人人才资本免费财务规划应用 课程概要：个人人才资本是一款免费的软件，能够连接到各个金融机构，将财务资产、负债余额和交易细节汇聚到一个平台上。使用个人人才资本软件有如下优势：提供净资产或资产负债表信息、投资管理信息以及退休规划和其他大型规划目标的工具。该软件支持下载交易细节，并允许用户对账户进行分类和标记，生成收入报表。此外，它还包括预算工具，以帮助短期现金流管理。 本课程将讨论如何设置个人人才资本软件并链接账户。同时，我们还将探讨软件为何免费提供以及个人资本数据安全性。课程将比较个人人才资本软件与其他可直接连接金融机构以提取财务信息的软件，这些软件通常属于使用复式记账系统的会计软件或财务管理软件。典型的会计软件包括快速会计（QuickBooks）、Xero 和 Wave 会计。尽管这些会计软件也可以连接金融机构，但其方式与个人人才资本软件有所不同。 课程还将介绍其他财务管理和预算软件，例如Quicken、Mint和Microsoft Excel，其中Excel还有一个名为“Money in Excel”的模板，具备金融机构连接功能。学员将练习将财务数据转换为收入报表，通过下载金融机构的交易数据，进行分类，然后导出到Excel进行整理。我们将比较这一过程与使用快速会计等会计软件时的操作。 课程将讨论个人人才资本软件在个人净值或资产负债表功能上的优势，包括自动提取银行账户、投资账户如401(K)、储蓄账户、CD账户、信用卡余额、抵押贷款余额和贷款余额的资产和负债余额。课程还将介绍该软件提供的投资持有信息及其对改善回报和降低风险的建议。将投资汇集在一个平台上，可以进行更全面的数据分析，而不仅仅是孤立地分析某个经纪账户。 学员还将能够使用预测规划工具帮助规划退休和其他大型投资项目。个人人才资本软件利用了复杂的分析工具，包括蒙特卡洛模拟工具。同时，我们还将探讨软件提供的房屋评估工具，并练习添加非金融机构资产和负债，使我们的净资产或资产负债表更完整、更准确。
Personal Capital is currently a free software that can connect to financial institutions, pulling in financial asset and liability balances, as well as transaction detail, into one location.The strong areas of benefit of using Personal Capital software are its ability to provide net worth or balance sheet information, investment management information, and planning tools such as retirement planning and other large planning goals.The Personal Capital software also downloads transaction detail and allows for the categorization or assigning of accounts and tags that can then be used to generate an income statement. It also has budgeting tools to help with shorter-term cash flow management.This course will discuss how to set up the Personal Capital software and link to accounts. We will also discuss some reasons why the software may be offered for free and look over Personal Capital data security.We will compare the Personal Capital software to other types of software that can connect directly to financial institutions and pull financial information, such software generally falling into the category of accounting software that uses the double-entry accounting system or financial management software.Accounting software using the double-entry accounting system includes packages such as QuickBooks, Xero, & Wave accounting. Although accounting software utilizes financial institution connectivity it generally does so differently than Personal Capital software, which falls into the financial management category. We will discuss the differences in software.Other financial management and budgeting software include Quicken, Mint, and Microsoft Excel, Excel actually having a template called Money in Excel that has financial institution connectivity.Learners will practice converting financial data into an income statement by downloading transactions from financial institutions, categorizing them, and then exporting them into Excel for sorting. We will compare the process with what would be done using accounting software like QuickBooks.The course will discuss the benefits of the personal net worth or balance sheet functionality of Personal Capital software, the software pulling in assets and liability balances automatically for items such as bank accounts, investment accounts like 401(K), savings accounts, CD accounts, credit card balances, mortgage balances, and loan balances.We will also discuss the benefit of the software providing more detail on our investment holdings and providing insights and suggestions to improve returns and reduce risk. The ability to pull investments into one place allows a more rounded analysis of the data than you may get from one brokerage account analyzed in isolation.Learners will be able to use the projection planner to help plan for retirement and other large investment items. The Personal Capital software utilizes sophisticated analytical tools including a Monte Carlo Simulation tool.We will also explore the home appraisal tool offered by the software and we will practice adding non-financial institution assets and liabilities, making our net worth or balance sheet completer and more accurate.
