Stock Market Analysis and Personal Finance Mr. Bernstein Personal Financial Statement, pp 65-73 February 19, 2015.

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Presentation transcript:

Stock Market Analysis and Personal Finance Mr. Bernstein Personal Financial Statement, pp February 19, 2015

Stock Market Analysis & Personal Finance Mr. Bernstein Personal Balance Sheet Net Worth = Assets minus Liabilities (~=Shareholders Equity) Liquid Assets may include checking or savings accounts Long-term Assets may include house, car, furniture, electronics, collectibles or Investments Current Liabilities include bills due in <90 days Long-term Liabilities include house mortgage or car loans, student loans 2

Stock Market Analysis & Personal Finance Mr. Bernstein Personal Cash Flow Statement Income is likely your takehome pay from your job(s), may include dividends or interest from Investments or Savings account Expenses can be recurring expenses such as rent, food, car insurance or utilities Expenses can also be discretionary expenses such as vacations, clothes or restaurants 3

Stock Market Analysis & Personal Finance Mr. Bernstein Evaluate Your Financial Progress Debt ratio: Liabilities / Net Worth Liquidity ratio: Liquid Assets / Recurring Expenses Debt Coverage: Takehome pay / Monthly debt payments Savings ratio: Amount saved each month / Gross monthly income 4