内容摘要：The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.

The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.

Ringbauer recommends that his clients keep records of their tax documents in a digital folder on a cloud platform of their choosing. Password-protecting your tax folders can also add an extra layer ofThe Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.

A summary of all your assets and liabilities is a crucial first step toward getting a better handle on your finances. Before you start putting together a net worth spreadsheet, gather as much information as you can to get the best sense of what it can tell you.The ultimate insight from a net worth statement is exactly what it says:, which is simply assets minus liabilities. The number in isolation doesn’t tell you too much, but it is a useful benchmark to track over time. A negative net worth figure would obviously indicate room for improvement.

To calculate your debt ratio, you’ll need to add up all required monthly debt payments, including mortgage payments, student loans, auto loans, and credit card debt. Then take the total and divide it by your monthly gross (pretax) income. Lower is better for this number, and any numberwill likely create problems in obtaining or

Most financial advisors recommend keeping at least

in cash or other low-risk, highly liquid assets to cover a sudden job loss or other unforeseen events, such as car repairs, appliance replacement, or other home repairs. Some investors may want to keep closer to 12 months’ worth of expenses in cash if variable pay makes up a significant portion of their total compensation.Sonam Kunkhen, left, her husband Konchok Dorjey, center, daughters Jigmet Dolma, right, and Rigzen Angmo pose for a picture inside their home in Kharnakling near Leh town in the cold desert region of Ladakh, India, Friday, Sept. 16, 2022. (AP Photo/Mukhtar Khan)

Sonam Kunkhen, left, her husband Konchok Dorjey, center, daughters Jigmet Dolma, right, and Rigzen Angmo pose for a picture inside their home in Kharnakling near Leh town in the cold desert region of Ladakh, India, Friday, Sept. 16, 2022. (AP Photo/Mukhtar Khan)As this region in Asia is particularly vulnerable to climate change, shifting weather patterns have already altered people’s lives through floods, landslides and droughts in Ladakh, an inhospitable yet pristine landscape of high mountain passes and vast river valleys that in the past was an important part of the famed Silk Road trade route.

Frequent loss of livestock due to diseases, lack of health care, border conflict and shrinking grazing land — worsened by extreme climatic changes — has forced hundreds to migrate from sparsely populated villages to mainly urban clusters in the region known for its sublime mountain landscape and the expensive wool.In the remote Himalayan region, glaciers are melting fast while still villagers largely depend on glacial runoff for water.