Understanding Your Finances: Assets and Liabilities
Acomprehensiveevaluationofyourfinancialsituationstartswithunderstandingyourassetsandliabilities.
全面評估您的財務狀況首先要了解您的資產和負債。
Beforecreatinganetworthstatement, ensureyouhaveallthenecessaryinformationathand.
在建立淨值表之前，請確保您掌握所有必要的資訊。
Thenetworthnumber, derivedfromsubtractingassetsfromliabilities, providesabenchmarkforfinancialtracking.
淨值數字是用負債減去資產得出的，它為財務追蹤提供了基準。
Havinganegativenetworthindicatesroomforimprovement.
淨值為負表示還有改進的空間。
Tocalculateyourdebtratio, sumupallrequiredmonthlydebtpaymentsanddividebyyourmonthlyincome.
要計算您的債務比率，請將所有所需的每月債務支付加起來，然後除以您的每月收入。
Financialadvisorssuggestmaintainingthreetosixmonths'worthoflivingexpensesineasilyaccessibleassetsforunexpectedevents.
財務顧問建議將相當於三到六個月的生活費以易於取用的資產形式保留，以備不時之需。
Balancingassetsbetweencouplesiscrucial, consideringestate-taxlimitsandpotentialchangesinlaws.
考慮到遺產稅限制和法律的潛在變化，平衡夫妻之間的資產至關重要。
Itisadvisabletoavoidover-relianceonresidentialrealestateanddiversifyyourinvestmentportfolio.
建議避免過度依賴住宅房地產並分散投資組合。
Properlystoreandinsurephysicalassetslikecollectibles, andconsolidatefinancialaccountsforeaseofmanagement.
妥善存放並確保收藏品等實體資產，並合併財務帳戶以方便管理。
A comprehensive evaluation of your financial situation starts with understanding your assets and liabilities.
Before creating a net worth statement, ensure you have all the necessary information at hand.
The net worth number, derived from subtracting assets from liabilities, provides a benchmark for financial tracking.
Having a negative net worth indicates room for improvement.
To calculate your debt ratio, sum up all required monthly debt payments and divide by your monthly income.
Financial advisors suggest maintaining three to six months' worth of living expenses in easily accessible assets for unexpected events.
Balancing assets between couples is crucial, considering estate-tax limits and potential changes in laws.
It is advisable to avoid over-reliance on residential real estate and diversify your investment portfolio.
Properly store and insure physical assets like collectibles, and consolidate financial accounts for ease of management.
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