Kucherechedza Chirongwa Chekuwana
EBITDA inoudza mutengesi mari yakawanda iyo kambani ingadai yakagadzira kana ikasaifanira kubhadhara mari yezvikwereti pane chikwereti chayo, mitero , kana kutora kuderedza uye kukwereta kwemari . EBITDA inotarisirwa kuva chiratidzo chekambani yemari yekambani, kwete mari yakasununguka yakawanda sezvo vashandi vakawanda vasingatombofungidzire, zvisikwa zvinoitika muma1980 panguva yekutsvaga-kutengesa kunotyisa kwakaparidzidza nguva yekukara.
Chiyero chave chakakurumbira zvokuti makambani akawanda achazvirumbidza mifananidzo uye mairafu evakawedzera EBITDA mukati memaji mapanu mashanu ehupoti yavo yegore negore. Vatengesi, vachifunga kuti izvi zvinoshamisa, kufara pamusoro pebhizimisi nokuti inoratidzika iri kukura mumakwikwi uye nemiganhu.
Mune ruzivo rwaro, Wall Street zvinosuruvarisa kukanganwa chikamu chimwe chey equation: kusanzwisisa. Makambani anofanirwa kubhadhara mubereko, mitero, kuderedza, uye kukanganisa. Kurapa mari iyi sevasingaiti ndeye pfungwa imwechete yevashanu vane makore vashanu vanotenda kuti hakuna munhu anogona kuvona kana maziso avo akavharwa - apo vanogona kufara vachizvifungidzira kwekanguva, IRS uye mabhangi nevatengesi vakapa mari kune kambani haifariri kutamba mitambo. Kana zvikwereti zvichiuya zvakakwana, masangano aya anoda kuti mari yacho ivakweretwe uye anogona kukamanikidza kambani kuvhara kana isina kubhadhara.
Kunyange Hachiri Kutendeseka? Fungidzira iyi Scenario
Murume mumwe chete ari pakati pemakore makumi maviri, achiwana $ 30,000 gore rimwe nerimwe, anofamba achipinda mubhengi rake rekukweretesa kuti awane chikwereti chetsva, yepamusoro-in-the-line BMW.
Gore roga rega, anokwereta $ 8,100 pamitero, achideredza cheki yake yemwedzi kubva ku $ 2 500 kusvika ku $ 1,825 (nokuda kwezvinyorwa zvisiri nyore, ngatitorere kubhadhara mubhadharo, nezvimwewo) Iye zvino ane mari yekubhadhara mari ye $ 1,100 pamwedzi, uye kubhadhara chikwereti chemari ye $ 200 pamwedzi . Mushure mekubhadhara zvose izvi zvinodhura, ane $ 525 kuti agare *.
Mukuru wezvikwereti anotora nhamba uye anouya nekubhadharwa kwemwedzi pamwedzi ye $ 750 yemotokari. Murume wacho anotora peni yake kuti isayine mapepa. Mari yechikwereti inotarisa yakavhiringidzika mushure mokudzokorora mashoko ake. "Ishe," anodaro, "iwe unongoita $ 525 pamwedzi mushure mokubhadhara nemitero! Iwe haugone kutenga mari iyi." Kwete chete iwe haungakwanisi kubhadhara mari, iwe hauzove nechakurarama. " Murume wacho anotarisa akavhiringidzika, "asi ndinoita $ 2 500 pamwedzi ndisati ndabhadhara mitero."
Ona kuipa? Vakuru vemuenzaniso wedu vangave vasina hanya nezvikwereti, asi vake vane chikwereti havazoiti. Chaizvoizvo, mupurisa angangodaro akamuseka. Zvinosuruvarisa, izvi ndizvo izvo zvikwangwani zviri kuitwa nekupa maEBITDA mazita kune varairi.
Ichokwadi ndechokuti, munenge mamiriro ezvinhu ose, EBITDA yakakwana, zvachose, uye haina maturo zvachose. Iyo inongova nzira yemakambani asingakwanisi kuita mari yekupfeka-kukanganisa kwavo kuburikidza nekubika yakawedzera chimwe chinhu kuvashambadzi. Apo tsika yemadhorobha yepurogiramu yaisagona kuwanikwa, yakagadzira imwe itsva yakaita kuti ibudirire kubudirira.
Munyika yekuongorora uye yebhizimisi, EBITDA inopisa dutu. Kune vamwe vanozvidzivirira zvakanyanya, uye vachiedza kukusekai nekuda kwekuti kunyange zvisina kufanira nguva inotora kutora tsamba.
Kakawanda, vanhu ava vachaonekwa sevakangwara, vanotungamirirwa, uye vashandi. Usanetseka pamusoro pazvo - mazana mana emakore akapfuura, varume vakajeka zvikuru pasi pano vakafunga kuti nyika yakanga yakazara. Smile uye taura munyengetero wekutenda nokuti upenzi hwakaita seizvi hunotipa mukana wekubatsira mumusika.
* $ 2,500 pamwedzi wepamusoro - $ 625 mutero - $ 1,100 kutora chikwereti chekubhadhara - $ 200 chikwereti chemudzidzi chikwereti = $ 525 mari isina mari.