Kusiyana pakati peCash Flow nemari
Kuti unzwisise kuti sei mutengo wekuyeresa kwehuwandu hwezvinhu, iwe unofanirwa kunzwisisa mamwe kuverenga .
Nhepfenyuro yekuwana uye kurasikirwa (kana kuti chirevo chekuwana mari iyo inowanzozivikanwa) haisi nguva dzose yakaenzana nemari yekubuda kwemari. Zvinodaro kuti kambani inyore mari yakawanda uye isingakwanisi kubhadhara mabhizimisi ayo nekuda kwezvinetso zvemari . (Kutaura zvazviri, ndinorangarira imwe chitoro chendaneti yakataura mari yakawanda asi yakanga isina mari yakawanda iripo kuti ibhadhara mari yekushandira kwayo uye yakamanikidzwa kupinda mubhadhadzi.)
Chimbofungidzira iwe une bheka. Iwe une $ 100,000 mumari kuti utange bhizinesi rako kubva kune nhaka; zvichida vabereki vako kana vanasekuru nababa vako vanogadzira chikamu chekuvimba . Iwe unotenga midziyo inokwana $ 80,000, ichisiya $ 20,000 mumari yekushandira mari . Iwe unotarisira kuti zvigadzirwa zvinogara kwemakore gumi uye hazvina kukosha kana zvasvika pamagumo emakore iwayo.
Pakarepo, bhaari racho raizoratidza $ 80,000 mune pfuma, michero & midziyo - mari, $ 20,000 mumari uye hapana chimwe chinhu. Pakupera kwegore, kana iwe usina kutengesa, zvinyorwa zvako zvekuwana zvingaratidza $ 0 mumari, $ 8,000 mumadhora ekuderedza ($ 80,000 mari-$ 0 salvage kukosha kwakaparadzana nemakore gumi = $ 8,000 kudarika kwegore negore) nekuda kwekusati kwabhadhara kurasikirwa kwe $ 8,000.
Nokudaro, chikamu chemari pamagumo egore imwe ichava $ 20,000 mari, $ 80,000 plant plant & equipment - cost (offset by $ 8,000 muhuwandu hwehuwandu hwevakawanda kuitira kuti bhadharo rinoratidza maratidziro ekuderera kwe $ 72,000) uye akachengetwa mari ye - $ 8,000. Gore roga rega, iwe unogona kunyora mamwe $ 8,000 kusvikira huwandu hwezvigadzirwa zvebhadharo hwakaderedzwa kusvika $ 0.
Ichokwadi chemamiriro acho ezvinhu chakasiyana zvikuru. Iwe hausi kurasikirwa ne $ 8,000 pagore. Pane kudaro, mugore rokutanga, wakapedza $ 80,000. Iwe une $ 20,000 chete mubhangi. Chigumisiro ndechekuti iwe unotova ne $ 8,000 zvekare mumari gore negore kupfuura iyo purogiramu uye kurashikirwa zvingaratidza. Kana uchangotanga kupa purogiramu, mutengo wekuwana mari inenge uine huwandu hwemari yawakanga uine iyo mumakore akatevera kuti uise kushanda, asi mutengo wekuyeresa kwemari inenge ichinyatsotsanangura mamiriro acho ezvinhu. Izvozvo hazvirevi kuti mari yekuderedza zvinhu haisi chaiye - chokwadi ndeyekuti, saWarren Buffett anotiyeuchidza kuti nino dzino dzinorega kubhadhara mari inoshandiswa!
The Price to Cash Flow Ratio is Better for Some Industries
Kuverenga kwekutonga kunotonga dzimwe nguva kunokonzera mamwe marudzi emabhizimisi kana maindasitiri kugadzirisa kana kudarika zvinyorwa zvavo zvechokwadi, zvichiita kuti mutengo wekodzero yemari inoshandiswa kuzoshanda zviri nani kune kuenzanisa kune imwe chete, iyo mutengo kune mari yekuwana. Tora kambani yemishonga, iyo inofanirwa kuwedzera mari yakawanda yekutsvakurudza nekuvandudza apo iri kukura mishonga. Mumwe anogona kuita nharo yakamanikidzika yokuti iyo mari haifaniri kutorwa zvose kamwe chete, asi pane kupararira kubva panguva iyo mushonga unotengeswa nokuti zvakaenzana nokutenga zvishandiso zvebheka rako.
Asi, mitemo yemazuva ano inoda kuti mari yakawanda inyorerwe semari iyo inenge yabatanidzwa, zvinoreva kuti makore ekutanga mune zvigadzirwa zvinogadziriswa zvinoratidzira kuratidzira mari shoma, kana mune zvimwe zviitiko kunyange kurasikirwa kukuru, pamwe nehuwandu hwemari kune kuguma.
Paunenge uchitarisa zvinogona kuwanikwa, iyi haisi nyaya duku. Mutengo wekuwana zviyero zvekambani yemishonga inenge isinganyanyi kukosha kupfuura mutengo wekuyeresa kwemari inokonzerwa nemigumisiro yemitemo yekuverenga. Ndokusaka iwe unowanzonzwa Wall Street vaongorori vachitaura nezvehupenyu hwehutano hwemishonga. Vanogadzirisa zvinodhaka izvo zvave zviri mukugadzirwa, zvinodhaka zvinenge zvichange zvichitungamirirwa nekukwikwidzana, uye zvimwe zvikonzero kuitira kuti vagofungidzira mari inowanikwa kune vanochengeta zvivako panguva ipi zvayo yegore rehupfumi.
Nokudaro, mutengo wemari yekuwana mari haubatsiri mumamiriro ezvinhu akadaro.
Mutengo wekukwira kwemari unozopa pfungwa iri nani yehuwandu hwemari inowanikwa kune vatungamiri kuti vawedzere kutsvakurudza uye kukurudzira, rubatsiro rwekutengesa, kuderedza chikwereti, zvikwereti , kugovana zvekugoverana , nezvimwewo. Nokuda kwemigumisiro yakanakisisa, muongorori akanaka angangodaro aenzanisa makore akawanda, zvichida zvakanyanya sezodzidza mabhizimisi akazara, emitemo yekushambadzira kwemari kuti awane mutengo wakagadziriswa kuhuwandu hwekukwira kwemari hwakagadziridzwa muhupenyu hwose hwekuvandudzwa kwemishonga yakawanda kana zvigadzirwa.
Kuverenga Mutengo kuCash Flow Flow Ratio
Mutengo wekukwira kwemari inotarirwa nokutora mutengo wekugoverana wekugovana uye kugovera mari yose inopera kubva kumabasa anowanikwa pamutauro wemari yekuyerera. Vamwe vatengesi vanosarudza kushandisa mutengo wakashandurwa kuhutano hwemari huchibva pane chimwe chinhu chinozivikanwa sekusununguka kwemari. Inogadzirisa zvinhu zvakadai sokubhadhara uye kuderedza, kuchinja mumashandiro ekushanda, uye kushandiswa kwemari. Zvechokwadi, mumabhizimisi angu ini handingambofungi kushandisa chimwe chinhu kunze kwekusununguka kwemari inoshandiswa kwemari nokuti inonyatsoratidza zvakajeka mutemo wehupfumi hwebhizimisi kana yefa.
Kushandisa Mutengo kuCash Flow Ratio Kukoshesa Maoko
Ivhareji yemutengo kusvika kuhutano hwemari inosiyana kubva kumakambani kusvika kumabhizimisi. Kune makambani anobatanidzwa mumabasa makuru emari, akadai semakambani emotokari nemigwagwa, unozoona mutengo wakaderera wakawanda kuwandu hwekubhadhara mari nokuti vatyairi vanoziva kuti mari yakawanda ichazofanira kudururirwa kumashure, zvivako, zvinhu , uye zvakagadziriswa zvinhu kana kuti iyo yakasimba ichakuvara. Fungidzira, somuenzaniso, kana kambani yemotokari ikamira kuvandudza mafaira ayo - pane imwe nguva, motokari haigoni kuitwa!
Makambani akadai se software, kune rumwe rutivi, anobvumira mutengo wakareba kwazvo kumari yekuyerera kwemari nokuti vane mari shoma zvikuru inoda. Kana kamwe chete chigadzirwa chacho chave chagadziridzwa, mari chete yechokwadi ipurasitiki shoma (DVD kana CD) kuisa purogiramu yacho uye kadhibhodi yebhokisi.