内容摘要：Winnie Keben gets emotional at Meisori village in Baringo County, Kenya, on Thursday, July 21, 2022, as she narrates how she was attacked in Lake Baringo. (AP Photo/Brian Inganga)

Winnie Keben gets emotional at Meisori village in Baringo County, Kenya, on Thursday, July 21, 2022, as she narrates how she was attacked in Lake Baringo. (AP Photo/Brian Inganga)

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 leastin 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.

This question normally comes up in the context of divorce, but it can be worth considering for couples who plan to remain married, as well. Depending on your state’s estate-tax limits — and potential future changes to federal estate-tax laws— it can be beneficial for couples to try to balance out the assets owned by each individual. It’s also important for each member of a couple to have their own retirement assets.

There’s no particular reason why the allocations need to be exactly one third each, but the principle of equitable distribution helps avoid assets that are out of balance in any particular area. In particular, it’s wise to avoid an overly large concentration in residential real estate because it’s not particularly liquid. Investors should generally direct most of their savings toward tax-deferred retirement accounts, but once those have accumulated a healthy balance, it can make sense to steer some savings toward taxable accounts.played by the luminous Camille Rutherford, hasn’t so much been ruined by Austen as she has been made acutely aware of her own limitations in both romance and literature.

Neither she nor anyone else is good enough to make any big moves for. So, she sticks to the routine. She works at the legendary Parisian bookstore, and bikes home, where she lives with her sister and young nephew. Sometimes she goes out to dinner. For what it’s worth, Agathe also happens to epitomize French girl chic with her Breton stripes, red pout and effortlessly disheveled hair. There should be Instagram accounts devoted to her navy hooded parka.

Life isn’t bad, it’s just not moving forward. And whatever is going to get her out of this self-imposed rut is going to be something special — she’s read too many great books to accept anything less.Standards are great and all, but really, of course, it’s Agathe who has to get out of her own way. And she does, one night, in a sake-induced daze in which she dreams up the first couple of chapters of a romance. Her best friend Félix (Pablo Pauly) gives her the push she needs and secretly submits the pages to a Jane Austen writers residency, where she’s accepted and invited to spend a few weeks.