Ukwahlukana phakathi koMngcipheko wemali kunye neZiphumo
Ukuqonda ukuba kutheni umlinganiselo wemali yokuhamba kwemali, kufuneka uqonde ukuphendula okuthile.
Inkcazo yenzuzo kunye nelahleko (okanye isitatimenti sengeniso njengoko iyaziwa ngokuqhelekileyo) ayisoloko ilingana nemali yokuphuma kwemali. Kunokwenzeka ukuba inkampani ibhengeze inzuzo enkulu kwaye ayikwazi ukuhlawula iindleko zayo ngenxa yeengxaki zobuncwane . (Enyanisweni, ndikhumbula enye ivenkile yeevenkile eyaziwa ngemali ephezulu kodwa yayingenayo imali eyaneleyo yokuhlawula iinqeshiso zayo zokusebenza kwaye yaphoqeleka ukuba ibhujiswe.)
Cinga ukuba unobhaki. Unayo imali eyi-100,000 eyiyo ukuze uqalise ishishini lakho kwifa; mhlawumbi abazali bakho okanye ootatomkhulu bayakha i-fund trust . Uthenga izixhobo ezixabisa i-80,000 zamaRandi, ushiya imali engama-20,000 ngemali eyimali . Ulindele ukuba izixhobo zihlale iminyaka eyi-10 kwaye zingabi naluncedo xa zifikelele ekupheleni kwelo xesha.
Ngokukhawuleza, ibhalansi iya kubonisa i-$ 80,000 kwipropati, izityalo kunye nezixhobo- izindleko, i-$ 20,000 ngemali kwaye akukho nto enye. Ekupheleni konyaka, ukuba ungenakho ukuthengisa, isitatimenti sakho se ngeniso siza kubonisa i-$ 0 kwingeniso, i-$ 8,000 kwixabiso lokunciphisa (i-$ 80,000 ixabiso-$ 0 salvage ixabiso elidibeneyo ngeminyaka eyi-10 = ukuhla kwehla kwe-$ 8,000 ngonyaka) $ 8,000.
Ngaloo ndlela, i-balance sheet ekupheleni konyaka omnye uya kuba yimali engama-20,000 emali, i-$ 80,000 isityalo kunye nezinto zokusebenza-iindleko (ukuhlawulwa kwe-$ 8,000 kwixabiso elincinciweyo ukwenzela ukuba isalathisi ibonise ibhalansi yexabiso lokunciphisa i-$ 72,000) kwaye igcinwe ingeniso ye-$ 8,000. Unyaka ngamnye, ubhala phantsi i-$ 8,000 eyongezelelweyo de ixabiso lezinto ezikwinqanaba le-balance sheet liye lahliswa li-$ 0.
Ubunyani beemeko buhluke kakhulu. Awulahlekelwa ngama-$ 8,000 ngonyaka. Kunoko, kunyaka wokuqala, uchithe i-$ 80,000. Unayo i-20,000 kuphela ebhankini. Isiphumo kukuba unayo imali engama-8,000 engaphezulu ngemali ngamnye ngonyaka kunokuba isitatimenti senzuzo kunye nelahleko siyakubonisa. Emva kokuba uqale ukuvelisa inzuzo, ixabiso lentengo yokufumana imali yayiza kufaka inani lemali oye wayifumana kwiminyaka eyalandelayo ukuba usebenze ukwandiswa, kanti ixabiso lokuhamba kwemali liya kuchaza ngokuchanekileyo imeko. Oko akuthethi ukuba ixabiso lokunciphisa ixabiso aliyinyani - ngokuqinisekileyo kukuba, njengoko uWarren Buffett esikhumbuza ukuba inyoka yezinyo ayihlawuli mali!
Ixabiso kwiCash flow flow Ulungelelwano olulungileyo kwezinye ii-Industries
Imithetho yokuphendula ngezinye iinkqubo yenza ukuba iindidi ezithile zamashishini okanye amashishini aphuhlise okanye aphuculise inzuzo yabo yinyani, ebangela ukuba intengo ibe ngumlinganiselo wokuhamba kwemali ukusebenza kangcono kwiinjongo zokulinganisela kunomlingani wayo, intlawulo kwimilinganiselo yokufumana imali. Thatha inkampani yezobisi, efunekayo ukuba ihlawule imali eninzi yophando nophuhliso xa iphuhlisa iziyobisi. Omnye unokufaka ingxabano enyanzelisayo yokuba ezo ndleko akufanele zithatyathwe konke kanye, kodwa kunoko zisasazeka kwixesha xa isilwanyana sithengiswa kuba kuyafana nokuthenga izixhobo kubhakabhaka yakho.
Sekunjalo, imigaqo ekhoyo ifuna ukuba iindleko ezininzi zibhalwe njengendleko xa zithe zenziwa, oku kuthetha ukuba kwiminyaka yokuqala ekuveliseni imveliso ithambekele ekubonakaliseni inzuzo ephantsi kakhulu, okanye kwezinye iimeko nokuba ilahleko ezinkulu, kunye neenzuzo ezincitshisiweyo isiphelo.
Xa uhlola utyalo-mali, oko akuyona into encinci. Ixabiso lentengo yokufumana imali yenkampani yeziyobisi iya kuba yincinci kunexabiso elithe xa kuthelekiswa nomlinganiselo wokuhamba kwemali ngenxa yezi migaqo-mali. Yingakho udla ngokuva abahlalutyi be-Wall Street bexoxa ngomjikelezo wobomi beelungelo lobisi. Benza utshintsho kwizilwanyana eziye zisekuphuhliseni, iziyobisi eziza kutshatyalaliswa ngokukhawuleza, kunye nezinye izinto ukwenzela ukuba ziqikelele iimali ezifumanekayo kubanini-zimpahla ngexesha lophi na unyaka-mali.
Ngaloo ndlela, ixabiso lentengo yokufumana imali ayiluncedo kuloo meko.
Ixabiso lentengo yokuhamba kwemali iza kunika ingcamango engcono yemali ekhoyo kulawulo lokuqhubela phambili uphando nophuhliso, inkxaso yokuthengisa, ukunciphisa amatyala, izabelo , ukuthengwa kwamashishini kunye nokunye. Ngezona ziphumo ezilungileyo, umhlalutyi olungileyo uya kufikelela kwiminyaka emininzi, mhlawumbi ubuninzi bomjikelezo wezoshishino ogcweleyo, iingxelo zemali yokuhamba kwemali ukufumana intlawulo echitshiweyo kumlinganiselo wokuhamba kwemali owenziwe kulo lonke uphuhliso lomjikelo weziyobisi okanye iimveliso eziliqela.
Ukubala Ixabiso kwiRhafu yeMali yokuHlaba
Ixabiso lentengo yokuhamba kwemali ibalwa ngokuthatha intengo yesabelo samanje kunye nokwahlula i-flow flow flow from operations found in cash flow statement. Abanye abatyali-mali bathetha ukusebenzisa ixabiso elitshintshileyo kwimali yokuhamba kwemali esekelwe kwinto eyaziwa ngokuba yi-cash flow flow. Ilungelelanisa iindleko ezifana nokulungiswa kwemali kunye nokuhla kwexabiso, utshintsho kwi-capital work, kunye neendleko ezinkulu. Enyanisweni, kwam ma shishini andiyi kuqwalasela ukusebenzisa nantoni na enye ngaphandle kwefomula yefom yefom ekhethiweyo ngenxa yokubonisa ngokuchanekileyo imeko engundoqo yezoqoqosho yoshishino okanye i-asethi.
Ukusebenzisa ixabiso kwi-cash flow Ukulinganiswa kokuThengiswa kweSitokisi
Ixabiso elilinganayo kwimali yokuhamba kwemali ihluka ukusuka kwishishini ukuya kwishishini. Kwiinkampani ezibandakanyekayo kwimisebenzi eninzi eyinkunzi, njengemikhampani yemoto kunye nomzila woololiwe, uya kubona intlawulo ephantsi kakhulu kwiimfucuza zokuhamba kwemali kuba abatyali-mali bayazi ukuba imali eninzi iya kuhlaziywa kwizixhobo, izixhobo, izinto , kunye nempahla ehleliweyo okanye enye iqumrhu liya kuphazamiseka. Cinga, umzekelo, ukuba inkampani yemoto eyeka ukuhlaziya amafektri ayo - ngezinye iinkalo, imoto ayinakuyenza!
Amashishini afana nesofthiwe, ngakolunye uhlangothi, avumela intengo ephakamileyo kakhulu ukuhamba kwemali ngenxa yokuba banemfuno ephantsi kakhulu. Xa umveliso uphuhlisiwe, iindleko zonyani kuphela yiplastiki engancinci (i-DVD okanye iCD) ukubeka inkqubo kunye nekhadibhodi kwibhokisi.