Elingene Imali
Ngenye indlela eyaziwa ngokuba yi-" net worth " okanye " value value ", eli nani limele i-assets assets.
Kukho amashishini axhaswa ngokupheleleyo ngemali eyinkunzi, imali eyabelwe imali ngabanini-zimali okanye abanikazi kwiinkampani ezingenazo izikweletu. Nangona yindlela ephakanyiswayo yenkampani yamashishini amaninzi ngenxa yokuba ayifanele ukuyihlawula kwakhona, ingaba yindleko eninzi kakhulu. Ukongeza, kunokufuna iimali ezinkulu zomsebenzi ukukhulisa amashishini abo ukuba zixhaswa ngemali ngale ndlela. UMicrosoft ungumzekelo wokusebenza okunjalo kuba uvelisa ukubuyisela ngokwaneleyo ukubuyisela isakhiwo esilungileyo sokulingana.
Amatyala amatyala
Olu hlobo lwenkunzi lufakelwa ishishini ngokuqonda ukuba kufuneka lihlawulwe emva komhla obekelwe ngaphambili. Okwangoku, umninimzi-ntloko (ngokuqhelekileyo ibhanki, abanamabhendi, okanye umntu ocebileyo), vumelani ukwamukela inzala ekutshintsheni ukuba usebenzisa imali yabo. Cinga ngeendleko ezinomdla njengendleko "yokuqashisa" inkunzi ukuze ukwandise ishishini lakho; kudla ngokubizwa ngokuba yixabiso lentengo.
Kwamashishini amaninzi amancinci, ityala lingaba yindlela elula kakhulu yokwandisa kuba kulula ukuyifumana kwaye iyaqondwa ngumsebenzi waseMelika oqhelekileyo ngenxa yobunini bekhaya kunye noluntu olusekelwe kumabhanki. Inzuzo yabanikazi ngumlinganiselo phakathi kokubuyela kwindleko enkulu kunye neendleko zemali; umzekelo, ukuba uboleka i-$ 100,000 kwaye uhlawule umyinge we-10% kodwa ufumane i-15% emva kwentela, inzuzo ye-5% okanye i-$ 5,000, ayiyi kuba khona ngaphandle kwetyala elingeniso kwi-shishini.
KwiNgxowa-mali
Le yimiqathango yegolide , kwaye into enokuyenza ngokufanelekileyo ukuyifumana. Kukho imithombo embalwa yenkcitho eninzi engenakho indleko yezoqoqosho kwaye ingathatha umda wokukhula. Zibandakanya izinto ezifana nomjikelezo ombi wokuguqula imali (umthengisi ngemali), i-insulant float, njl. Makhe ndicacise.
- Ukuguqulwa kweeMali ezingekho phantsi (Ukuthengiswa kweeMali)
Cinga ukuba unesitolo sokuthengisa. Ukwandisa ishishini lakho, udinga i-$ 1 yezigidi kwinkunzi yokuvula indawo entsha. Uninzi lwenkunzi luya kuchitheka xa kuthengwa okanye kuqeshisa ipropati, iimbonakalo zemveliso, iirejistara zemali kunye nezixhobo, ukuthengwa kwempahla kwisitokethi zakho, kunye nokuqesha abasebenzi abatsha. Ulindele kwaye uthemba ukuba ngabanye abathengi bemihla bangakuhlawula. Okwangoku, unenkunzi enkulu (nokuba ityala okanye i-capital capital) eboshwe kwishishini ngokwefom ye-inventory. Ngoku, khawucinge ukuba unokufumana abathengi bakho ukuba bakhokhele ngaphambi kokuba uhlawule iirhweba lakho. Oku kuya kukuvumela ukuba uphathe iimveliso ezigqithisileyo kunokuba isakhiwo sakho semali sivumele. I-AutoZone ngumzekelo omhle; liye laqinisekisa abathengisi balo ukuba bafake iimveliso zabo kwiithalalo zabo baze bagcine ubunikazi kude kube mzuzwana umthengi ehamba phambili phambi kwelinye lezitolo ze-AutoZone kwaye ahlawule iimpahla. Ngaloo wesibini ngokucacileyo, umthengisi uyithengisa kwi-AutoZone leyo eyithengisayo kumthengi. Oku kuyavumela ukuba bandise ngokukhawuleza ngakumbi kwaye babuyele imali emininzi kubani bebashishini ngendlela yokuthengwa kwamashishini ( izabelo zemali ziya kuba yinto ekhethiweyo) kuba akudingeki ukuba zibophe amakhulu amabhiliyoni eedola kwi-inventory. Okwangoku, imali eyongeziweyo kwishishini ngenxa yemigqaliselo ebalulekileyo yabathengisi kunye / okanye ukufumana abathengi bakho ukuba bakuhlawule ngokukhawuleza kukuvumela ukuba uvelise imali engaphezulu kunokuba ubulungisa bakho buvumeleke. Ngokuqhelekileyo, umthengisi ngemali unokulinganiswa ngeenxalenye ngokujonga ipesenteji zeempahla kwiingxelo ezihlawulwayo (ephakamileyo ipesenti, ngcono), nokuhlalutya umjikelo wokuguqula imali; ngaphezulu kweentsuku "ezingalunganga", ngcono. I-Dell yekhompyutri yayidume ngokuphindaphindiweyo kweebini okanye ezintathu kwiveki engaguqukiyo yenguqu yokuguqula imali eyayikuvumela ukuba ikhule ukusuka kwigumbi le-dorm kwikholeji enkulu kwiinkampani zekhomputha kwihlabathi elinesikolo esincinci okanye esingekho phantsi kwesinye isizukulwana. USam Walton wakha iWal-Mart kulo mgaqo kwaye ujonge ukuba yiyiphi na loo nto - intsapho yaseWalton ifanele ngaphezu kwama-dollar ayi-100!
- Float
Iinkampani zomshuwalense eziqokelela imali kwaye zinokuvelisa imali ngenjongo yokutshala imali ngaphambi kokuba zihlawulwe kubaphathi-nkqubo xa imoto ibonakaliswe, xa ikhaya lichithwa ngqabunga, okanye xa ishishini likhukhula kwindawo enhle kakhulu. Njengoko uBuffett echaza, ukuthambeka yimali leyo inkampani ibamba kodwa ayinayo. Inayo yonke inzuzo yamatyala kodwa akukho nanye yeengxaki; Ukubaluleka kokubalulekayo yindleko yemali-ke, oko kukuthi imali ebiza ngayo abanini beshishini ukuba bavelise i-float. Kwiimeko ezizodwa, iindleko zingenokuba zibi; oko kukuthi, uhlawulwa ukutyalomali imali yabanye abantu kunye nawe ufumane ukugcina ingeniso evela kutyalo-mali. Amanye amashishini anokuhlakulela iifom zokuhamba kodwa kunokuba nzima kakhulu.
Ukunyuka Ubulungisa
Kukho nenkunzi yemali eyaziwa njenge-sweat equity, yinto xa umnini-bootstraps esebenzayo ngokubeka iiyure ezinde kwizinga eliphantsi lokuhlawula ngeyure.
Oku kubangela ukungabikho kwemali ebalulekileyo ekuqesheni abasebenzi abaneleyo ukwenza umsebenzi kakuhle kwaye bavumele ukuba basebenze umsebenzi oqhelekileyo weeyure ezingama-40. Nangona kuninzi engabonakaliyo kwaye engabonakali njengenkunzi yemali, kunokuqikelelwa njengendleko yokubhalwa kwee-payroll ezigcinwe ngenxa yeeyure ezingaphezu kweeyure ezenziweyo ngabanini. Ithemba lukuthi ishishini liyakhula ngokukhawuleza ngokwaneleyo ukuhlawulela umnini kwi-pay-pay, i-hour-long sweat equity yena angene kuyo kwi shishini.