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所在平台: Udemy |
课程主页: https://www.udemy.com/course/personal-finance-101-budgeting-investment-debt-management/
课程评论：没有评论
课程名称: 个人理财101：掌控您的财务 课程概述: 欢迎参加“个人理财101：掌控您的财务”课程。本课程将重点关注个人财务的几个关键领域，包括现金流与预算、投资与债务管理、保险与风险管理，以及退休规划。以下是课程各章节的主要内容： 第一部分涵盖的主题： - 毛收入与净收入：解读扣除项并根据您的工作机会和地点估算净收入。 - 预算策略：如何分类和跟踪开支，使用工具帮助您合理安排每一美元的支出。 - MoSCoW框架：一个实用工具，帮助您可视化开支分类。 - 自动支付与先储蓄的工作原理：简化生活，提高未来的储蓄。 - 净资产计算：学习如何计算您的净资产。 - 财务增长飞轮：通过简单调整来促进净资产增长。 - 生活方式通货膨胀：了解其含义及预防措施。 课程结束时，您将拥有分析支出的框架以及增加净资产的策略。 第二部分涵盖的主题： - 通货膨胀与投资：为什么投资在防止货币贬值中几乎是必不可少的。 - 长期投资的重要性。 - 复利的魔力及72法则。 - 投资选择：股票、ETF及其他替代投资方式。 - 投资组合多元化：如何通过多样化获得更好的风险回报比。 - 新手投资小贴士。 - 如何快速偿还债务的策略。 课程结束时，您将对投资选项有清晰理解及更有效的偿债策略。 第三部分涵盖的主题： - 保险基础：什么是保险，如何购买保险及理解保险费用。 - 各类保险介绍：人寿保险、健康保险、汽车保险和房主保险等。 - 投资于股票市场的保险策略。 课程结束时，您将掌握保护自己财务的保险选择。 第四部分涵盖的主题： - 退休规划入门：为什么关注退休是重要的？ - 美国常见退休账户类型：401(k)、IRA和ROTH IRA的详细介绍。 - 从雇主贡献匹配到401(k)归属的简单示例。 - 退休账户内的投资选择及目标退休日期基金的深度分析。 - 退休规划中应避免的两个错误。 课程结束时，您将对退休规划选项有清晰理解并能够制定个人策略。 该课程适合所有希望更好理解个人财务并采取行动的人士。所有信息均属一般性质，不应被视为税务、法律、投资或其他建议，请您谨慎判断。 学生建议项目：创建您的个性化MoSCoW甜甜圈，分类您的每月开支，并根据课程内容更新您的预算记录。
Welcome to the course Personal Finance 101: Take Control of Your Finance. In this course we will focus on Cash Flow & Budgeting, Investment & Debt Management, Insurance & Risk Management, and Retirement Planning from a personal finance perspective.Here are the topics we will cover in section 1.Gross Income vs Net Income - what are the deductions and how to estimate net pay based on your job offer and location.Budgeting strategy - how to categorize and track expenses - useful tool that will help categorize every dollar you spendMoSCoW Framework - hands on tool to visualize your expense, categorizedImportance of Autopiloting Expenses & Paying Yourself First - make life easy while saving up more for futureNet Worth - How to compute your net worth Financial Growth Flywheel - how to grow your net worth by making simple tweaks and spinning the flywheelLifestyle Inflation - what is it and how to avoid it.Key takeaways from the course summarizedBy the end of this section, you will have a framework to analyze your expenses, and a strategy to increase your net worth.Here are the topics we will cover in section 2.Inflation vs Investment - why investment is almost essential to avoid losing monetary valueImportance of investing with a long term horizonMagic of Compounding and Rule of 72Where can you invest?Introduction to StocksStock Price vs Market Cap - why market cap is more important that stock price itself.Introduction to ETFsStock Picking vs Investing in ETFsAlternative Investing - investing options beyond stocks of companiesImportance of Portfolio Diversification - how diversification helps get better return to risk ratioSome Tips for beginners in investmentHow to slay the debt dragon - strategies to pay off loan fasterWhich loan gets the extra dollar - highest interest or lowest monthly payment one? There's ONE right answer.By the end of this section, you will have a sound understanding of your investment options, and clarity on how to attack and strategically payoff your debts faster.Here are the topics we will cover in section 3.Introduction to InsuranceWhere and How you can buy insuranceWhat is Insurance Premium?How do insurance companies make money?What is Insurance Deductible? Explained with exampleLife Insurance - how to buy life insuranceHealth Insurance - Medical, Dental, VisionAuto Insurance and its componentsHomeowners insuranceRenters insuranceIdentity Theft ProtectionCourse Wrap up and Idea to insure investments in stock marketBy the end of this section, you will have a sound understanding of your insurance options to protect yourself financially.Here are the topics we will cover in section 4.Introduction to Retirement PlanningWhy should you worry about retirement at all?Types of popular retirement accounts available in the United States401(k) account - who is eligible, and how it provides tax advantageIRA account - who is eligible, and how it provides tax advantageROTH IRA account - what is it and why it makes sense to contribute to ROTH IRA, especially for young professionalsWhat is RMD or Required Minimum Distribution - how to compute RMD to avoid penalties401(k) Employer contribution match - multiple ways in which employer contribution match can be structured, with easy to understand examples.401(k) Vesting - what is the concept of vesting, how it can be structured - explained with easy to understand examples.Investment options in retirement accountsDeep Dive into a target retirement date fund - historical returns and asset allocation based on target retirement year.Two mistakes to avoid while retirement planning - starting late, and paying higher fund management fees.Course wrap up and a clear answer to - should you pay off debt first or contribute to a 401(k) plan first?By the end of this section, you will have a sound understanding of your retirement planning options to build your own strategy.This course is suitable for anyone and everyone who intends to understand their personal finance better and take actions to take control of their finance.All information is general in nature, and should not be construed as tax, legal, investment or any other advise. Please do your own due diligence.Suggested Project For Students:Create Your personalized MoSCoW donut1. Categorize your monthly expenses in the four categories: M, S, C, W as explained in the course.2. Download the MoSCoW file from the Finpins website.3. Update the sheet with your numbers and categorization.4. Refresh to create your own MoSCoW donut.
