Personal Financeメモ

Everything Personal Finance In Your 20S And 30S (Everything Series)

この本を読んでいてメモったところ。

Net Worth Statement: 正味の財産

まずは現状を知る。

[Net Worth] = [Asset] – [Liability]

• Assets (資産)
  • Cash Equivalents (Bank and money market accounts, CDs, Cash)
  • Investments (Stocks, bonds, mutual funds)
  • Personal Property (Vehicles, boats, RVs)
  • Real Estate
  • Household Goods (furnishings, jewelry, electronic equipment)
• Liabilities (負債)
  • Loans (mortgages, home equity loans, student loans)
  • Credit Card Balances (Visa/Master card etc.)
  • Taxes Owed (real estate taxes, unpaid income taxes)
  • Other (unpaid bill due, child support, alimony*1 )

クレジットカードは負債。正しく使わなければ（桃鉄のごとく）貧乏神である。

The Secrets to Saving Money: 貯金

The Rule of 72

The Rule of 72 is a nifty mathematical calculation used to estimate how long it will take a certain sum of money to double at a certain interest rate. Divide 72 by the interest rate or expected rate of return. If your money is invested at 8 percent interest,

72 ÷ 8 percent = 9 years

Emergency Fund: 非常時のための貯蓄

• 天災、人災、主に職を失ったときに生活が維持できるようにするための資金を準備する。
• Everyone should have an emergency fund.
• Financial advisors suggest having enough savings in an easily accessible account to cover your living expenses for 3 to 6 months.
• If possible, keep the fund in a separate account, such as a money market account.

Don’t Be a Victim of Advertising: 買い物は慎重に

• Don’t use shopping as a form of recreation (買い物は娯楽ではない、鬱憤ばらしに無駄遣いはもってのほか)
• Don’t shop on impulse (衝動買いは控えよ)
• For items you really do need, look for sales and special offers.
• Shop at outlet or discount stores.
• Consider buying used instead of new.
• Try to buy quality products without overpaying unnecessarily for features you won’t use or for a brand name that doesn’t necessarily means better quality.

Banking Issues: 銀行

• Check (annual/monthly) service fees
• Know interest
• Buying 5 CDs
  • 6-month CD, 12-month, 18-month, 24-month, 30-month
  • You have a CD maturing every six months.

Work and Career: 仕事について

• The best jobs will prepare you for the next step in your career by teaching you valuable skills and providing on-the-job training.
• (大企業) In a large company, your duties are more likely to be focused in one specific area,
• (小企業) whereas in a small company you can often acquire a wide variety of skills more quickly. Because of the lack of security, jobs in these companies may be more suited to individuals who don’t have a family to support…
• Is the company financially stable?
• How do the company’s products or services compare to those of the competition?
• Company culture, atmosphere, and the quality of management.
• What are its size, reputation, and growth potential.

Housing: 住居について

• As a general rule of thumb, allow no more than 30 percent of your gross income for housing. If you’re making $35,000 a year, you shouldn’t pay more than $875 a month for rent. You’d be more comfortable at 25 percent, or $729 a month.
• 賃貸の場合、月々の家賃は年収の３０％以内に抑えるのがよい。理想的には２５％。
• A good rule of thumb is to buy a house that costs less than 2.5 times your income.

Wheels: 車のこと

The mileage a car gets has a big impact on your pocketbook. If you drove 20,000 miles a year in your Ford SUV that averages sixteen miles to the gallon, gasoline at $1.55 per gallon would cost you $1,937 per year, or $161 per month. Compare that to a Toyota Corolla, for example, that averages 36 miles to the gallon, which would cost $861 per year, or $72 per month, for the same 20,000 miles, a saving of $1,076 per year. According to Edmunds.com, the true cost to own the Ford SUV for five years is $48,234 and the true cost to own the Toyota Corolla for five years is $23,105, or $25,129 less than the Ford SUV. That’s difference of $5,025 per year.

*1:離婚手当, 当分心配する必要ないな。