Kuita Kwechikwereti kuRatios Ratios Basa
Nzira yekuverenga sei
Kuti uverenge chikwereti chenyu chekuwana chikamu chekuwana, gurai zvose zvamunotora chikwereti chemwedzi pamwedzi nemari yako yakawanda yemwedzi.
Iwe unogona zvakare "kudzokera mukati" kune kuverenga kwokuti mari yako yaunotora pamwedzi "iwe" inofanira kunge yakawanda sei nokuwedzera yako mari yako nechinangwa chekuwana chikamu chekuwana.
Mwedzi chikwereti chikwereti ndiyo inowanikwa minda yekubhadhara mari yako yose, kusanganisira:
- Auto zvikwereti
- Chikwereti chikwereti chikwereti
- Zvikwereti zvevadzidzi
- Imba yekukwereta
- Zvikwereti zvemunhu
Mari yako yakawandisa pamwedzi ndeyebhadharo yako yemwedzi musati mitero uye zvimwe zvakabviswa zvinotorwa.
Muenzaniso: fungidzira iwe unowana $ 3,000 pamwedzi muhomwe. Mari yako yekubhadhara mari inodarika $ 440 uye chikwereti chako chemari chikwereti $ 400. Chii chiri chikwereti chako chazvino chekuwana mari?
Gurai mari yako yose yepamwedzi ($ 840) mumari yako yakawanda. $ 840 yakabatanidzwa ne $ 3,000 = .28. Shandura kusvika kuwandu hwemazana , izvo zvinoguma neve 28% chikwereti chekuwana chikamu.
Muenzaniso # 2: fungidzira iwe unowana $ 3,000 pamwedzi muhomwe, uye mutengi wako anoda kuti chikwereti chako kuti uwane mari inenge iri pasi pe 43%. Chii chakanyanya kukurudzirwa iwe chaunofanira kushandisa pane chikwereti?
Wedzera mari yako yakawandisa nechinangwa chekuwana chikamu chekuwana. $ 3,000 nguva .43 = $ 1,290. Zvose zvekubhadhara kwako pamwedzi zvakabatanidzwa zvinofanira kunge zvisingasviki $ 1,290. Zvechokwadi, pasi zvakanaka zviri nani.
Chii chakanaka chiyero?
Iko pfungwa yekukwereta chikwereti chekuwana mari inokwana. Vatengesi vanoda kuva nechokwadi chokuti munogona kunyatsoona chikwereti chako - kunyanya vasati vabvuma zvikwereti zvitsva uye kuwedzera chikwereti chako.
Iyo nhamba chaiyo inosiyana kubva kune chikwereti kunokweretesa, asi vazhinji vanokweretesa vanoshandisa 36% sehomwe huru yekuwana mari. Izvozvo zvakati, vamwe vakawanda vanokwereta vachakurega iwe uende kusvika 55%.
Paunotarisa pamaripo, chikwata che "kumabvazuva" chinongotarisa imba yako yekubhadhara, kusanganisira kubhadhara chikwereti chako, pfuma yemutero, uye muridzi weimba inishuwarenzi. Vatengesi vanowanzofarira kuona chiyero ichi pa 28% kusvika ku 31% kana pasi.
A "mugumo wekupedzisira" kune chikwereti chikwata chenyika inotarisa pane zvose zvamakabhadhara chikwereti. Chiyero ichocho chaisanganisira kubhadhara zvikwereti, zvikwereti zvevadzidzi, uye kadhi rechikwereti.
Nokuda kwekutora chikwereti kuva "kukwanisa kutora chikwereti," iyo ndiyo inonyanya kukoshesa mutengi wemhando, chikwereti chako chizere chinofanira kunge chiri pasi pe 43%. Pane zvakasiyana kune mutemo uyu, asi mitemo yehurumende inoda kuti vatengi varatidze kuti iwe unokwanisa kubhadhara chikwereti chemusha chero chipi chavanobvuma, uye chikwereti chako chekuwana chikamu chikamu chikuru chekugona kwako.
Iwe ndiwe mutongi mukuru wezvaunogona kuwana. Iwe haufaniri kukwereta huwandu hunowanikwa kwauri - zvinowanzova nani kubhadhara zvishoma. Kukwereta zvakanyanya kunogona kuisa dambudziko pamabhadharo ako, uye zvakaoma kukunda kushamiswa chero kupi zvako (zvakadai sokurasikirwa nebasa, purogiramu yekuchinja, kana mari inotarisirwa). Kuchengetedza chikwereti chako kune zvishoma uye kunoita kuti zvive nyore kwauri kuti uise mari kune zvimwe zvinangwa zvakadai semari yekudzidzira kana kupedza basa.
Kuvandudza maRatios
Kana chikwereti chako chekuwana mari yakakosha zvakanyanya, iwe uchada kuvadzosa pasi kuti uwane chibvumirano chechikwereti. Kune nzira dzakawanda dzokuita izvozvo, asi haisi nguva dzose dziri nyore.
Bhadhara chikwereti: kubhadhara chikwereti kunoderedza chikwereti chako kuti uwane mari yechikwereti nokuti iwe uchange uine chikwereti chiduku chemwedzi chinowanikwa mune zvaunoita. Saizvozvowo, kubhadhara pasi chikwereti chekwereti chikwereti zvinoreva kuti mari yako inowanikwa pamwedzi inenge iri pasi.
Wedzera mari: chero basa rakawedzerwa raunogona kutora musati waita chikwereti rinobatsira. Asi mari yose inowanikwa haifaniri kuva yako . Kana urikukumbira chikwereti nemumwe wako, shamwari, kana mubereki, mari yavo (uye chikwereti) ichabatanidzwawo muhuwandu. Zvechokwadi, munhu iyeye achavawo ane mhosva yekubhadhara chikwereti kana chimwe chinhu chichiitika kwauri. Kuwedzera mutevedzeri kunogona kukubatsira kuti uwane chibvumirano , asi wako wekusimbisa ari kutora ngozi.
Kurambidza kubhadhara: kana uchiziva kuti uri kuda kubhadhara chikwereti chakakosha sekwereti yemusha, usatora mamwe mimwe chikwereti kusvikira chikwereti chako chabhadharwa. Kutenga motokari usati wawana chikwereti kunokuvadza mukana wako wekugashiriswa nokuti mutero mukuru wemotokari uchatarisana newe. Zvechokwadi, zvichava zvakaoma kuti uwane motokari mushure mokunge uwane chikwereti, saka iwe unoda kutanga.
Kubhadhara kukuru kwekubhadhara: kubhadhara kukuru kunobatsira kuchengetedza mari yako yepamwedzi yakaderera . Kana iwe uine mari iripo uye unokwanisa kuzviisa kune zvaunotenga, ona kuti ingakanganisa sei zviyero zvako.
Vatengesi verengai chikwereti chenyu chekuwana mari kuburikidza nemari yaunenge uchitaura kwavari. Muzviitiko zvizhinji iwe unoda kunyora zvaunowana, uye dzinoda kuvimba kuti unogona kuramba uchiwana mari iyo pamusoro pehupenyu hwechikwereti chako.
Zvimwe Zviitiko Zvinokosha
Chikwereti chako chekuwana mari yezvikamu hachisi icho chete chinokweretwa nevavarikiti. Chimwe chikamu chakakosha chikwereti chinokoshesa chiyero (LTV). Izvi zvinotarisa kuti uri kukwereta zvakadini maererano nekoshi yechinhu chauri kutenga. Kana iwe usingagoni kuisa chero mari pasi, chikwata chako cheVARV hachatarisi zvakanaka.
Chikwereti chimwe chinhu chinokosha. Vatengesi vanoda kuona kuti iwe wakakwereta (uye, kunyanya kukosha, kubhadhara chikwereti ) kwenguva yakareba. Kana vakavimba kuti iwe unoziva zvauri kuita nekwereti, vangangokupa chikwereti. Chikwereti chako chikoro chinoshandiswa kuongororodza nhoroondo yako yakwereta.