今晚听了一场很好的讲座，获益不浅，在此向各位分享所得。
您的财务会有以下四种状况：
１） 危险 － （负）现金流，（负）净值
２） 稍弱 － （正）现金流，（负）净值
３） 不错 － （正）现金流，（正）净值，以（资产）为主要收入来源
４） 超好 － （正）现金流，（正）净值，收入以倍数成长
怎样算出现金流与净值？
１）收入 － 支出 ＝ 现金流
２）资产 － 债务 ＝ 净值
注：
收入 － 您的主要收入来源
支出 － 您的主要支出
资产 － 您能产生收入的资产
债务 － 您的债务
Showing posts with label financial 财经. Show all posts
Showing posts with label financial 财经. Show all posts
Wednesday, June 26, 2013
Know Your Financial Health
I attended a talk today and i am sharing with you the highlights here.
Your Financial Health can be categorized into 4 statuses:
Note: -ve means NEGATIVE, +ve means POSITIVE
1) Dangerous = -ve CASH FLOW, -ve NET WORTH
2) Poor = +ve CASH FLOW, -ve NET WORTH
3) Good = +ve CASH FLOW, +ve NET WORTH, Most of the income is from ASSET
4) Great = +ve CASH FLOW, +ve NET WORTH, High Income which grows exponentially
To calculate your Financial Health, you need to:
1) Calculate your CASH FLOW
--> Income - Expenses = CASH FLOW
2) Calculate your NET WORTH
--> Asset - Liabilities = NET WORTH
INCOME = Your Job
EXPENSES = Your monthly expenses
ASSET = Your asset that generates INCOME
LIABILITIES = Your asset that causes expenses
Your Financial Health can be categorized into 4 statuses:
Note: -ve means NEGATIVE, +ve means POSITIVE
1) Dangerous = -ve CASH FLOW, -ve NET WORTH
2) Poor = +ve CASH FLOW, -ve NET WORTH
3) Good = +ve CASH FLOW, +ve NET WORTH, Most of the income is from ASSET
4) Great = +ve CASH FLOW, +ve NET WORTH, High Income which grows exponentially
To calculate your Financial Health, you need to:
1) Calculate your CASH FLOW
--> Income - Expenses = CASH FLOW
2) Calculate your NET WORTH
--> Asset - Liabilities = NET WORTH
INCOME = Your Job
EXPENSES = Your monthly expenses
ASSET = Your asset that generates INCOME
LIABILITIES = Your asset that causes expenses
您目前的财政状况将足以决定您的未来！
连接上一篇
若您目前的财政状况是“危险”，对不起，您的资产净值将会逐年渐缩渐小直到你破产为止。
若您目前的财政状况是“稍弱”，您的资产净值也一样会逐年萎缩，庆幸的是幅度相对“危险”较小。原因是有“通货膨胀”在作祟！如果您的现金流增长得不够通膨快，就请您多加注意。
若您目前的财政状况是“不错”，不消说，您的资产净值是会逐年增长的，惟幅度不大，还是要担心通膨随时偷袭，导致翻船。
若您目前的财政状况是“超好”，通常这意味着您的现金流倍数增长！不消数年您的资产净值必膨胀得顶呱呱！
若您目前的财政状况是“危险”，对不起，您的资产净值将会逐年渐缩渐小直到你破产为止。
若您目前的财政状况是“稍弱”，您的资产净值也一样会逐年萎缩，庆幸的是幅度相对“危险”较小。原因是有“通货膨胀”在作祟！如果您的现金流增长得不够通膨快，就请您多加注意。
若您目前的财政状况是“不错”，不消说，您的资产净值是会逐年增长的，惟幅度不大，还是要担心通膨随时偷袭，导致翻船。
若您目前的财政状况是“超好”，通常这意味着您的现金流倍数增长！不消数年您的资产净值必膨胀得顶呱呱！
Predict your future financial health based on the current one!
Continue from previous article.
If your current financial health is Dangerous, your net worth is going to drop like hell as years go by.
If your current financial health is Poor, your future net worth is not much better than Dangerous. Although you have Positive Cashflow, the fact is it will not be able to beat Inflation :)
If your current financial health is Good, your future is good too but over the years you will find your net worth grow too little and you may wonder if that is enough to defeat the Inflation :)
If your current financial health is Great! Then of course your future is GREAT too! Usually this means your Cashflow grows exponentially and your net worth is gonna increase at the speed of rocket!
If your current financial health is Dangerous, your net worth is going to drop like hell as years go by.
If your current financial health is Poor, your future net worth is not much better than Dangerous. Although you have Positive Cashflow, the fact is it will not be able to beat Inflation :)
If your current financial health is Good, your future is good too but over the years you will find your net worth grow too little and you may wonder if that is enough to defeat the Inflation :)
If your current financial health is Great! Then of course your future is GREAT too! Usually this means your Cashflow grows exponentially and your net worth is gonna increase at the speed of rocket!
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