경제야 다시 놀자 (굿앤굿이 제안하는 재무의 정석)

정현경외7인

저자정현경외7인은
정현경_국제공인재무설계사
차재영_세무사
박승기_변호사
설은주_변호사
박지훈_손해사정사
최현진_투자자산운용사
이준호_유안타증권PB
한정봉_공인노무사

굿포럼(Good-Forum)
2014년(주)굿앤굿을중심으로종합재무설계의기본이되는금융,부동산,세무,법률,노무,보험,손해사정파트로구성된인적네트워크조직이다.선진형종합재무설계서비스를국내에도입하려는취지로시작되었고,현재는GOOD-TNS(TotalNetworkService)를통한시스템을구축중이다.

굿포럼은최고의전문성을갖춘조직으로누구보다고객의입장에서생각함을자부하며,보다체계적인종합재무설계서비스를통해4차산업혁명시대에맞춰시스템을구축한국내1세대종합재무설계회사로서의도약을모색하고있다.굿포럼멤버는CFP,세무사,변호사,노무사,투자자산운용사,부동산전문가,손해사정사등으로구성되어있어급변하는제도에발맞춰항상새롭고차별화된서비스를제공하기위해노력하고있다.

2016년부터정보공유취지로충청일보‘경제야놀자’코너에각파트별이슈들을기고하고있다.
ㆍ(주)굿앤굿홈페이지:http://www.gngasset.co.kr

머리말/4

재무설계_정현경국제공인재무설계사
ㆍ꿈의사다리를만드는재무주치의························12
ㆍ재무설계로풀어보는올바른저축과투자················14
ㆍ용돈으로시작하는재무설계·····························18
ㆍ재무설계로풀어보는대출의지렛대효과················22
ㆍ소득에적정한보험설계로목적자금달성················27

세무설계_차재영세무사
ㆍ인건비와4대보험관리····································34
ㆍ지출증빙서류잘챙기는것이절세의지름길··············41
ㆍ퇴직금관리와지급········································48
ㆍ원천징수란무엇인가?·····································55

생활법률Ⅰ_박승기변호사
ㆍ깡통주택과주택임차인의보증금보호···················64
ㆍ도시계획지역에대한투자와유의점·······················68
ㆍ영업승계와행정처분의승계문제·························71
ㆍ상호권·상표권침해와대응방법··························74
ㆍ부동산명의신탁의제문제에대한소고···················77

생활법률Ⅱ_설은주변호사
ㆍ도산위기탈출과개인회생································84
ㆍ투자와대여,그리고동업의난해함과법률적차이·········88
ㆍ미등기전매의위험성······································92
ㆍ이혼과경제적문제점······································96
ㆍ신탁을통한자산관리및유언효과························102

보험&보상_박지훈손해사정사
ㆍ소멸시효및후유장해진단금사례·························108
ㆍ렌트차량사고도차주의자동차보험에서보장가능해·····115
ㆍ음주운전사고보상사례···································117
ㆍ일상생활배상책임:주택의누수사례······················121

주식투자Ⅰ_최현진투자자산운용사
ㆍ저금리시대의대안········································132
ㆍ잃지않는투자·············································136
ㆍ주식투자의첫걸음,주식투자지표바로알기··············141
ㆍ거시지표바로알기········································145
ㆍ주식투자의기본적분석과기술적분석····················149

주식투자Ⅱ_이준호유안타증권PB
ㆍ이제는주식도임대사업하는시대!·························156
ㆍ해외주식비과세펀드계좌로운영하자·····················160
ㆍ시장의HOT이슈ISA·····································164
ㆍ대체투자!연금저축이동제도·····························168

노무일반_한정봉공인노무사
ㆍ노무분쟁예방의첫걸음,올바른근로계약서작성법·······174
ㆍ기업도산시임금채권확보방법··························181
ㆍ최저임금인상에대비한최저임금위반여부판단·········186
ㆍ까다로운일용직·아르바이트노무관리···················192

꿈은이루어진다!
누구에게나사는동안세무,법률,노무,금융등에관한다양한문제들이발생한다.
이러한문제들을한곳에서해결할수있는시스템을만들기위해굿포럼멤버들이모여지식을쌓고시행착오와수많은경험을축적하며‘GOOD-TNS’시스템을구축하고있다.

2016년은예측치못했던큰사건들이많았던한해였다.세계경제의한축을담당하던EU는그리스문제로진통을겪다결국영국이탈퇴하는브렉시트를초래했고,미국은많은사람들의예상과달리트럼프가당선되며FTA재협상과반덤핑수입규제등보호무역주의문제를대두시켰다.

가뜩이나중국과일본사이에서어려움을겪고있는한국의입장에선걱정거리만더늘어나게되었다.이런변화와동시에세계금융시장을포함해국내금융시장에도많은변화가예상된다.미국의정책금리속도변화에따라국내금리인상속도역시가속화될수있고,주요국의환율변화로국내수출입경기및투자에도많은변수가발생할수있다.

2007년우리는미국의금융위기를겪으면서세계금융시스템이얼마나긴밀하게엮여있는지또그영향력이얼마나큰지경험한바있다.10년이지난지금많은제도적안전장치들이생겼지만어쩌면그때보다현재금융시장이더욱복잡하고깊이연결되어있을지도모른다.

단적인예로중국의경제성장둔화가수면위로떠오를때마다전세계가긴장하고있다.미국이나유럽등선진국의위기가세계경제의위기로인식되었던과거와달리중국이급부상하며G2가되었기때문이다.여기에미국을견제할줄알았던EU의브렉시트문제와최근중국과의사드문제등이전보다더욱복잡한문제들이언제촉매가될지알수없는상황이다.

금융시장이세계화·전문화될수록개인의금융지식만으로는급변하는금융시장에대응하기가점점더어려워지고있다.이미금융선진국에서는재무설계가개인의범주를벗어나전문가의조언을필요로하는단계에이르렀고지금도계속세분화·전문화되고있다.국내에서는재무설계가아직은전문가의지적재산권이아닌서비스수준에머물러있지만이역시시간의문제일뿐점차세계적인추세를따르게될것이다.

(주)굿앤굿은시대변화의흐름을보다앞서인지하고실행하고있다.현재국내에는종합재무설계전반을아우르는회사가없다.세무,법률,노무,부동산,은행,증권,보험등각분야에서전문적인회사는많지만한곳에서세무,법률,노무,부동산,투자,은퇴,상속등개인재무전반을속시원하게상담해주는곳은없다.굿앤굿은이런취지를바탕으로설립되었으며소규모이지만꾸준히성장하고있다.

종합재무설계에대해잘모르는사람도많고알고있더라도정확하게모르기때문에거리감을느끼는사람들이대부분이다.굿포럼멤버들은각분야별지식을보다많은사람들에게알려주기위해충청일보에기고를시작했다.그리고더많은사람들에게종합재무설계를알리기위해각각의기사중에서핵심적인것을선별하여기존에알고있던경제지식의관점이아닌변화되는시대에맞추어진내용들로꾸며『경제야다시놀자』를출간하게되었다.

이책의출간으로굿포럼멤버들이바라던대로많은사람들이종합재무설계의도움을받아경제적으로풍요로워지기를희망한다.
-[머리말]중에서