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Personal Finance Risk Management

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Page 1: Personal Finance Risk Management. Net Worth The amount by which assets exceed liabilities. One of the most important calculations one can make. Look for

Personal Finance

Risk Management

Page 2: Personal Finance Risk Management. Net Worth The amount by which assets exceed liabilities. One of the most important calculations one can make. Look for

Net Worth

• The amount by which assets exceed liabilities. 

• One of the most important calculations one can make.

• Look for increasing trends.

• US median = $101,000 (2003)

http://cgi.money.cnn.com/tools/networth/networth.html
Page 3: Personal Finance Risk Management. Net Worth The amount by which assets exceed liabilities. One of the most important calculations one can make. Look for

Insurance Terms

• Assets = property owned by a person having value and available to meet debts, commitments, or legacies.

• Liability = the state of being legally responsible for something

• Loss = an amount of money lost by a business or organization.• insurance can protect you against financial loss or liability

Page 4: Personal Finance Risk Management. Net Worth The amount by which assets exceed liabilities. One of the most important calculations one can make. Look for

Health Care

• insurance against the risk of medical bills among individuals.

• insurer develops a routine finance structure to pay for benefits specified in the insurance agreement.• Individual risk

• System expenses

• Monthly premium

• Insured contributions

Page 5: Personal Finance Risk Management. Net Worth The amount by which assets exceed liabilities. One of the most important calculations one can make. Look for

Health Insurance Terms

• Pre-existing Condition = a health condition or illness that you have had before your first day of coverage on a new plan; may be denied coverage

• Disability = a physical or mental condition that limits a person's movements, senses, or activities; can receive temporary or long-term benefits

• Co-Pay = a payment made by a beneficiary in addition to that made by an insurer; out-of-pocket expenses at an office or pharmacy

Page 6: Personal Finance Risk Management. Net Worth The amount by which assets exceed liabilities. One of the most important calculations one can make. Look for

Fraud

• Wrongful or criminal deception intended to result in financial or personal gain; insurance, securities, identity, etc.

• Passwords: lengthen, differ, depersonalize, and keep them confidential

• Account Freezes: action initiated by either the account holder, bank or brokerage, or a third party that prevents any transactions from occurring; used when irregularities occur

• Identity Theft: fraudulent acquisition and use of a person's private identifying information; insurance, careful transactions, built in monitoring

Page 7: Personal Finance Risk Management. Net Worth The amount by which assets exceed liabilities. One of the most important calculations one can make. Look for

Personal Finance ConversationInterview and Summary Essay

Page 8: Personal Finance Risk Management. Net Worth The amount by which assets exceed liabilities. One of the most important calculations one can make. Look for

Details for the essay Not extra credit! Google form

Share content from class Ask questions Listen carefully

Topics Same as class Different from class Complete checklist Spend time!!!

Page 9: Personal Finance Risk Management. Net Worth The amount by which assets exceed liabilities. One of the most important calculations one can make. Look for

Rubric Income – 2 Expenses – 2 Savings – 2 Investing – 2 Credit – 2

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Liabilities

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DECEMBER ALEC.ORG 2017 · PDF file! 0! 2017 unaccountable and unaffordable alec.org unfunded public pension liabilities exceed $ 6 trillion december!! !!!!! fall

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