Human life from the point of view of the financier: whether the long-term forecast is possible?

The householder life from the financier point of view is obtaining the income and implementation of expenses in foreseeable prospect. The household is a combination of a base asset and a property complex. Finance of a household has the certain structure which elements are administration, income, expenses, reserves, debts, investments, insurance protection. Dynamics of a household is outwardly expressed in change of their types. Internal development of a household can be studied by the concept of the household life way. In the economic plan the household is a set of the administered capitals, most important of them: human, economic, the capital of health. These capitals turn «person» into a base asset. The household exists in the conditions of uncertainty, its future vaguely and isn't learned, as a considerable part of information concerning this future doesn't exist yet. Stereotypes and the conventions defining human decisions can't be calculated exactly. The scientific base for forecasting of the household lifeline is absent, though in practice this process is used in a mass order. Self-management is the possibility of successful life in the conditions of uncertainty and the base for its forecasting. The basis and the purpose of self-management is to come to «a longevity route». According to H.S.Friedman and L.R.Martin's concept, longevity is based on «the wellness», reached through a four-componental way of life: а) traditional physical and mental health; б) successful career, in) safe marriage, g) social contacts. Financial planning is an integral part of a household management, relies on forecasting of dynamics of a household development and requires a positive forecast. Differently planning is not meaningful. The purpose of financial planning is formation of sufficient amount of money for achievement of the household purposes within available sources and uniform distribution of consumption during life. Thus, despite impossibility of creation of reasonable and authentic forecasts of a household development, household life forecasting is necessary for households and is carried out in practice.

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