Mr.
, 38, is a private enterprise owner. Mrs. song is 33 years old and runs a business with her husband. Her daughter is 9 years old and she is in grade three. Both parents do not live with Mr. Song,bcbg maxazria outlet shop, and they have retirement pension.
Mr. Song earned 500 thousand yuan in annual salary and 200 thousand yuan at the end of the year. Mrs. song was the chief financial officer of the company, with an annual salary of 300 thousand yuan and a year-end bonus of 100 thousand yuan. The annual expenditure of family life is 120 thousand yuan, and the annual cost of education for the daughter is 15 thousand yuan. The annual cost of family tourism is 25 thousand yuan, and the alimony is 60 thousand yuan a year. A total of three shares of the family of three is 50 thousand yuan per year. Mr. Song, who is currently living in a three room and one hall residence in the city, has a house price of 1 million 700 thousand yuan, a replacement car with a value of 300 thousand yuan, 40 thousand yuan per year and 30 thousand yuan for medical spare.
in early 2014, household financial assets included 70 thousand yuan in current accounts, 30 thousand yuan in cash, 500 thousand yuan in time deposits, 300 thousand yuan in guaranteed capital and 200 thousand yuan in stock.
family financial status diagnosis
Mr. Song's family assets liabilities and income and expenditure situation are shown in Table 1 and table 2 respectively. According to the form data, Mr. Song's family finance is low risk and no debt. The annual surplus fund accounts for 67.27%, and there are plenty of funds for investment.
Table 1 Mr. Song's family assets and liabilities
assets amount / 10000 yuan% (%) liabilities and equity / yuan ratio (%)
cash demand 103.22 credit card consumption 0 0
mobile assets 103.22 consumption liabilities 0 0
time deposit 5016.13 investment real estate loan 0 0
guaranteed cost 309.68 financial investment liabilities 0 0
stock 206,tommy hilfiger clothing.45 operation investment debt 0 0
investment assets 10032.26 investment Liabilities Total 0 0
housing 17054.84 personal liabilities Total 0 0
auto 309,columbia clothing.68 Liabilities Total 0 0
self employed assets 20064.52 net worth 210 100
total assets 310100 liabilities and interests totaling 210 100
Table 2 Mr. Song's family income
annual income / 10000 yuan (%) annual expenditure / 10000 yuan ratio (%)
Mr. Song's annual salary is 5045.45,cheap clothing, and his life is 12 33.33
Mr. Song's annual bonus 2018.18 education cost 2 5.56
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