Читать книгу Horse Economics - Catherine E O'Brien - Страница 19

What is your net worth? You can establish this amount with a chart that lists your assets^♦ and your liabilities^♦. First, write down all your assets: a good estimate of the market value of your home and farm; all cash and savings; any cash value in life insurance policies; surrender values in annuities; the current balance in your retirement accounts that you could withdraw today (less income tax, plus 10 percent); the current market value of stocks, bonds, and mutual funds; the market value of your car(s); and a very conservative estimate of household goods. Don’t include any personal or family items that you would not be able to sell—you don’t want to overstate your assets. Then, list all your liabilities, which are loans or obligations of any type that may include the balance due on a mortgage, car loans, credit card debt, and home equity loans.