Ukuhlalutya Ingxelo yeNgeniso
I-EBITDA ixelela umtyalo-mali ukuba yintoni imali eyayiyenzela inkampani ukuba ingazange ihlawule iindleko zenzalo kwiityala zayo, irhafu , okanye ithathe ixabiso lokunciphisa nokuhlawula imali . I-EBITDA ijoliswe ukuba ibe ngumbonakaliso wendlela yokusebenza kwemali yenkampani, kungekhona ukuhamba kwemali ekhululekile njengoko abatyali-mali abaninzi bathabatha, ekuqaleni baba khona kuma-1980 ngexesha lokukhwabanisa ukukhwabanisa okwakubangelwa ukuhaha.
Umlinganiselo uye wathandwa kakhulu kangangokuba iinkampani ezininzi ziyaziqhayisa amashadi kunye negrafu ze-EBITDA yazo kwandisa kumaphepha amahlanu okuqala kwengxelo yabo yonyaka. Abatyalomali, becinga ukuba oku kuhle, bavuyiswe ngoshishino kuba kubonakala ngathi ikhula ngokukrazula kunye nemida.
Ngobuchule bayo, iWall Street yazisola ngokulibala inxalenye enye ye-equation: ingqiqo. Iinkampani kufuneka zihlawule umrhumo, irhafu, ukuhlaziywa, kunye nokuhlaziywa kwemali. Ukuphathwa kwezi ndleko ezinjengezo zikhoyo zifana neengqondo ezinjalo zonyaka oneminyaka emihlanu ubudala okholelwa ukuba akukho mntu unokuzibona xa amehlo abo avaliwe - ngelixa bekunandipha ukuzenza ngathi, i-IRS kunye neebhanki kunye nabanini-mboleko ababoleke imali kwenkampani ayinomdla wokudlala imidlalo. Xa izithintelo zifika ngokufanelekileyo, ezi zixhobo zifuna imali ebolekiweyo kwaye zinokunyanzelisa inkampani ukuba ibhujiswe xa ingahlawulwa.
Usengakholelwa? Umfanekiso wesimo
Indoda engatshatanga kwiminyaka eyi-20, ifumana i-$ 30,000 ngonyaka, ihamba kwibhankini yayo ukuze ihlawulwe ngemali entsha, ye-BMW ephezulu.
Unyaka ngamnye, uhlawula iirhafu eziyi-8,100 kwiirhafu, ukunciphisa iteksi yakhe yenyanga nganye ukusuka kwi-$ 2,500 ukuya kwii-1,825 zama-$ (ngenxa yokulula, asiyeke ukukhatyelwa kwee-payroll deductions, njl.) Njengamanje unentlawulo yokuboleka kwemali eyi-1,100 ngenyanga, kwaye imali yokubolekwa kwemali eyi-200 engama ngenyanga . Emva kokuhlawula zonke iindleko, unayo i-$ 525 yokuhlala *.
Igosa libolekisa iinombolo kwaye liza kunye nokuhlawulwa kwenyanga yenyanga eyi-750 kwimoto. Indoda idonsa ipeni yakhe ukuze ibhalise amaphepha. Umbolekiso unikezela ngokudideka emva kokuphonononga ulwazi lwakhe. Uthi, "Mnumzane, wenza kuphela i-$ 525 ngenyanga emva kwentlawulo kunye neerhafu! Awukwazi ukufumana le mboleko. Indoda ibonakala ididekile, "kodwa ndenza i-$ 2,500 ngenyanga ngaphambi kokuba ndihlawulwe iintlawulo kunye neerhafu."
Uyabona ubuxoki? Umntu onomzekelo kumzekelo wethu unokungahoywa ngemali mboleko, kodwa ngokuqinisekileyo ababolekisi bakhe abayi kuba. Enyanisweni, igosa liyakumhleka. Ngokudabukisayo, oku yiyona nto imashishini eyenzayo ngokubonisa amanani abo e-EBITDA kubalimi-mali.
Inyaniso kukuba, kuzo zonke iimeko, i-EBITDA impela, ngokupheleleyo, kwaye ayinanto. Yindlela nje yeenkampani ezingenako ukwenza imali yokugqoka iimpazamo zabo ngokunyusa ukunyusa into kubatyalomali. Xa i-metric yerhafu ayifumaneki, yadala entsha eyenziwe ukuba ibonakale iphumelele.
Kwi-accounting kunye nehlabathi lezoshishino, i-EBITDA iyintsikwano yomlilo. Kukho abanye abaya kukukhusela ngokukhawuleza, kwaye bazame ukugculela ngenxa yokuba bacebise ukuba akufanelekanga ixesha elithathayo ukubiza iileta.
Ngokuqhelekileyo, aba bantu baya kubonakala behlakaniphile, baqhutywe, kwaye baqeqeshiwe. Ungakhathazeki ngabo - emakhulu mane eminyaka edlulileyo, amadoda aqaqambileyo emhlabeni acinga ukuba ihlabathi liluqili. Smile uze uthi umthandazo wokubulela kuba bubuwula njengale nto esinika ithuba lokufumana inzuzo kwimarike.
* Intlawulo yeenyanga ezi-2 500 - i-$ 625 yentlawulo - intlawulo ye-mortgage ye-1,100 ye-mortgage-$ 200 yokuhlawulwa kwemboleko = i-$ 525 yemali engenayo.