16 2月 美国营销学论文代写：亚当个人预算和储蓄分析
Adam Hart has two sources of income. First income is through his job and the other income is the rental income. There are many multiple monthly expenses which have been enlisted. Adam Hart is able to save $2,255 monthly based on the estimates provided.
Since the income of Adam is currently fixed, Adam can look to improve his savings by reducing some expenses. Most of his expenses are essential expenses except for entertainment and miscellaneous expenses. Adam can look to cut down its entertainment or miscellaneous expenses. His entertainment expense of $650 is too high as compared to other monthly expenses. His miscellaneous expense has scope of reduction. His monthly expense on cars might have scope of reduction. Adam Hart can look to reduce at least reduce the expenses by $300 per month by reducing these expenses.
Adam has high car expenses. Adam needs to look into that whether there is scope of reduction in the car expenses.
The net savings of Adam sits in the bank. Bank gives a minimal return and thus the money is sitting idle. Adam should look to increase grow his wealth through systematically investing in other assets. Since Adam is 31 years and has plenty of work life left he can look to invest in stocks for long term gains. Adam should invest part of his savings in equities. If Adam wants to risk averse then he can have a mix between debt and equity but that will reduce his returns. Thus instead of keeping all of his savings in the bank Adam should look to invest in other asset classes.