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Chapter1UnderstandingtheFinancialPlanningProcessWhatispersonalfinancialplanning?Whydoyoudoyourpersonalfinancialplanning?Howtodosoundfinancialplanning?Doyoubelieve?富不过三代投资银行JP摩根的最新调查显示,全球大部分超级富豪过去20年都不能守住巨额财富，“败家率”达80％。有人把《福布斯》杂志最新的全球400位首富排行榜与20年前的同一排行榜相比，结果发现，平均每5名榜上有名的超级富翁中，只有1名能在榜上屹立不倒。姓名：迈克-泰森出生：1966.6.30身高：1米80战绩：49胜3负(43次击倒对手)故乡：美国俄亥俄州头衔：前WBC重量级冠军前WBA重量级冠军教练：罗尼-谢尔茨2003年8月2日，泰森向纽约曼哈顿区破产法院提出破产申请Therewardsofsoundfinancialplanning:1.Improveyourstandardofliving(1)Whatisstandardofliving:thenecessities,comforts,andluxuriesenjoyedordesiredbyanindividualorgroup(2)Whatfactorsaffectthequalityoflife?Geographiclocation,publicfacilities,localcostofliving,pollution,traffic,populationdensity,wealthy.2.Spendingmoneywisely:currentneedsvs.futureneedsAveragepropensitytoconsume:thepercentageofeachdollarofincome,onaverage,thatapersonspendsforcurrentconsumptionWhatisyouraveragepropensitytoconsume?3.Accumulatingwealth(1)Wealth:thetotalvalueofallitemsownedbyanindividual,suchassavingsAccounts,stocks,bonds,home,andautomobiles.(2)Financialassets:intangibleassets,suchassavingsaccountsandsecurities,Thatareacquiredforsomepromisedfuturereturn.(3)Tangibleassets:physicalassets,suchasrealestateandautomobiles,thatcanBeheldforeitherconsumptionorinvestmentpurpose…Thegoalsofthecourse:1.providestudentswithpracticaltoolsthatenablethemtodeveloptheirownpersonalfinancialplansandtomanagetheirpersonalfinancesbetter2.enablestudentstheabilitiestobethecounselorofpersonalfinancialplanning.Grades:ComprehensiveFinalExam70%Homeworkandpresentation20%Attendance10%lotusqqqq@hotmail.comPersonalfinancialplanning:planningthatcoverstheimportantelementsofanindividual’sfinancialaffairsandisaimedatfulfillinghisorherfinancialgoals.Stepsinpersonalfinancialplanningprocess1.Definefinancialgoals.2.Developfinancialplansandstrategiestoachievegoals.3.Implementfinancialplansandstrategies.4.Developbudgetstomonitorandcontrolprogresstowardgoals.5.Evaluateresultsbyusingfinancialstatements.6.Revisegoalsassituationschange.1.Definefinancialgoals.TheroleofmoneyThepsychologyofmoneyYoushouldknowyourownattitudestowardsmoney:Howimportantismoneytou?why?Whattypeofspendinggiveusatisfaction?RUarisktaker?Douneedlargefinancialreservestofeelsecure?MoneyandrelationshipsFinancialgoals:short-,intermediate-,andlong-termresultsthatanindividualwantstoattain,suchascontrollinglivingexpenses,managingone’staxburden,establishingsavingsandinvestmentprograms,andmeetingretirementneeds.Whatareyourfinancialgoals?Typesoffinancialgoals:FinancialgoalsshouldbedefinedasspecificallyaspossiblePuttingtargetdatesonfinancialgoalsLOGO:thephaseoftheeconomiccycleduringwhichthelevelofemploymentandgrowthofeconomicactivityarebothhigh;generallyaccompaniedbyrisingpricesforgoodsandservicesRecession:thephaseoftheeconomiccycleduringwhichthelevelofemploymentfallsandgrowthofeconomicactivityslows.Depression:thephaseoftheeconomiccycleduringwhichtheemploymentlevelislowandeconomicgrowthisatavirtualstandstill.Recovery:thephaseoftheeconomiccycleduringwhichtheemploymentlevelisincreasedandtheeconomyisexperiencingincreasedactivityandgrowth.Inflation:astateoftheeconomyinwhichthegeneralpricelevelisrisingduetoexcessivedemandorrapidlyrisingproductioncosts;usuallyoccursduringtherecoveryandexpansionphaseoftheeconomiccycle.Consumerpriceindex(CPI):ameasureofthecostoflivingandinflationbasedonchangesinthecostofamarketbasketofconsumergoodsandservices.Purchasingpower:theamountofgoodsandserviceseachdollarbuysatagivenpointintime.Whatdeterminesyourpersonalincome?1.Age,maritalstatus2.Education3.Geographiclocation--WhereyouliveLOGO:1.Juniorincollege2.25-year-oldcomputerprogrammerwhowantstogetamaster’sdegreeinbusinessadmistration3.coupleintheirthirtieswithtwochildren,agesthreeandsix4.Divorced45-year-oldmanwitha15-year-oldchildanda75-yearoldfatherwhoisill注册财务策划师资格如何取得？教育（Education）、考试（Examination）、经验（Experience）、操守（Ethics）。