Kunzwisisa Zvikamu ZveMari Mazuva Ano
Izvi zvikwereti zvinopesana nezvinhu zvemazuva ano . Mazuva ano zvikwereti zvinosanganisira zvinhu zvakadai sezvikwereti zvenguva pfupi kubva kumabhangi kusanganisira mutsara wekwereti kushandiswa, zviyero zvinobhadharwa zvekwereti, zvikwereti uye chikwereti chinotengwa, kubhadharwa kwehutano kunowanikwa kuripo, kubhadhara mari yevatengi, uye kuchengetwa kwemitero.
Pasi pane mamwe ematambudziko anozivikanwa uye anokosha panguva yebhadhaji .
Nhoroondo Dzinobhadharwa: Inonyanya Kuwanikwa Nhasi Mhosva
Nhoroondo dzebhadharo inopesana nezvakabhadhara zvinowanikwa. Inosvika apo kambani inogamuchira chigadzirwa kana basa risati rairipa. Nhoroondo dzekubhadhara, kana A / P sezvo inowanzoderedzwa, ndeimwe yezvikwereti zvikwereti zvekambani iyo inotarisana nekambani nokuti inoramba ichiraira mishonga mitsva kana kubhadhara vatengesi vese nevatengi kune zvekuita kana zvekutengeserana. Makambani akachengetwa zvakanaka anoedza kuchengetedza maakare ebhadhara akakwirira zvakakwana kuti avhare zvinhu zvose zviripo.
Chaizvoizvo, izvi zvinoreva kuti vatengesi vari kubhadhara mashefu ekambani kuti varambe vachichengetwa. Vashandi vanobudirira zvikuru mumabhizimisi akadai sekutengesa vatengesi, Target uye Wal-Mart pakati pavo, vakashandura ichi kuva unyanzvi. Nenzira chaiyo, kuwedzera kwebhizimisi ravo kwakabhadharwa nevatengesi vakadai saMutter & Gamble naColorox, ivo vaviri vakatumira zvigadzirwa kumaturafu ezvitoro pachikwereti, vachipa vatengesi mukana wokutengesa zvinhu izvi vasati vabhadhara chikwereti chavakakweretesa ava vatengesi .
Izvi zvaireva kuti Wal-Mart uye Target vaigona kushandisa mari yakawanda yavakanga vatora kubva kune vashandi, vashandi, uye mari dzinoramba dzichichengetedzwa kuti vabatsire kutsvaga kwekutsvaga.
Inowanikwa Makomborero uye Payroll seNhasi Mhosva
Ichi chinhu chiripo chezvikwereti chikamu chikamu chebhadharo chinomiririra mari inokweretwa kune vashandi semari yemari uye mabhonasi iyo kambani isati yabhadhara.
Nguva Yenguva Pfupi uye Yazvino Yedare Rakareba
Aya mvumo yemazuva ano dzimwe nguva inonzi inonzi nyota dzinobhadharwa. Ndicho chinhu chakakosha pane pasi pezvino chikwereti chikamu chikamu chebhadharo uye nguva yakawanda, inomiririra kubhadharwa kwekwereti yekambani kana zvimwe zvikwereti zvinokonzerwa mumwedzi gumi nemaviri anotevera. Kushandisa mari yakweretwa hakusi chiratidzo chekushaya mari; somuenzaniso, mukuru wekutsvaga dhipatimendi rekutsvaga angashanda zvikwereti zvenguva pfupi paKrisimasi kuitira kuti awane zvigadzirwa zvisati zvaitika. Kana zvinoda zvakakwirira, shamba raizotengesa zvese zvaro, kubhadhara chikwereti chine nguva pfupi, uye kuvhara mutsauko. Uku kushandiswa kwevhenekeri kunogona kuunza kudzoka kwakakwirira kwehutano .
Iwe unogona sei kutarisira kuudza kana kambani inobhadhara mari zvakanaka (yakadai sedhipatimendi redu rekuenzanisa), kana kuti tisingatyi kupinda muchikwereti?
Tarisa huwandu hwematanho aripo pane bhadharo (kana isingatauri pasi pemitemo yakabhadharwa, chengetai chikamu chekanguva chekambani uye chikwereti chenguva refu). Kana mari yeko nemari yakaenzana nemari yakawanda zvikuru kupfuura zvinyorwa zvinobhadhara, haufaniri kuva nechikonzero chekufunganya.
Kana, kune rumwe rutivi, zvinyorwa zvinobhadharwa zvine mutengo wakakwirira kudarika mari, nguva shoma dzekutsvaga, uye maakaiti anogamuchirwa akabatanidzwa, unofanira kufunganya zvikuru. Kunze kwekuti kambani inoshanda mubhizinesi umo kushandiswa kunogona kuchinjwa kuva mari nokukurumidza, ichi chiratidzo chikuru chekushaya mari.
Mamwe Maitirwo Azvino Mafambi paBhananisi Remahwende
Zvichienderana nekambani, iwe uchaona zvimwe zvakasiyana-siyana zviripo zvino zvakanyorwa. Dzimwe nguva ivo vachabvumirana pamwechete pasi pezita rokuti "zvimwe zvikwereti zvino." Kazhinji, iwe unogona kuwana tsanangudzo yakazara yezvinyi "izvozvi" zvimwe zvivigiro zvakavigwa pane imwe mimwe mushumo wegore kana 10-K .
Kazhinji, unogona kunzwisisa zvinorehwa nechokuita nezita racho. Kana bhizinesi rakatora "Commercial Paper" kana "Zvikwereti Zvokubhadhara" semhosva yazvino, iwe unogona kunge usina chokwadi chiyero chakanyorwa chiri icho chichabhadhara kune vekambani vesangano munguva pfupi.
Vatengi Dzimba Dzakabhadhara Zvikwereti kuBhangi
Kana iwe uri kutarisa chikamu chebhanhire rebhangi, iwe unoda kubhadhara zvakanyanya kuvharo pasi pematambudziko aripo anonzi "Consumer Deposits." Muzviitiko zvakawanda, izvi zvicharatidzwa pasi pezvimwe zvikwereti zvemazuva ano, kana zvisingarevi pamwe navo. Iyi ndiyo mari iyo vatengi vakaisa mubhangi. Kana urikukumbira kuti sei mubhadhadzi akaisa mari, mhinduro yacho iri nyore. Sezvo, zvichireva, vese vanochengeta mabhuku vanogona kubvisa mari yavo yose panguva imwe chete, bhangi rinofanira kuisa majeti edzimhosva.