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<s>Напишите инструкцию на тему "Как достичь финансовой независимости": |
Разработайте долгосрочный план. |
Вам следует обзавестись ясными целями, чтобы стремительно двигаться к достижению своего успеха. |
Создайте бюджет. |
С помощью бюджета вам будет удобнее контролировать денежный поток. Таким образом вы сможете определить, сколько вам понадобится на покрытие своих краткосрочных и долгосрочных целей. |
Избавьтесь от долгов. |
Если вы кому-то должны, то постарайтесь оплатить все свои долговые обязательства. Составьте такой бюджет, который позволит вам этого достичь в кратчайшие сроки. Если у вас нет никаких долгов, то продолжайте жить таким же образом, откладывая покупки до того, пока вы не соберете нужную денежную сумму для покупки чего-либ... |
Начните меньше тратить. |
Снижение расходов даже на небольшом уровне увенчается положительным результатом в долгосрочной перспективе. Начните экономить путем осознания разницы между нуждой и хотением. |
Увеличьте свой доход. |
Мудро будет обзавестись более, чем одним источником дохода, что поможет вам откладывать большие суммы денег, а также иметь страховку на случай утраты работы. Существует несколько способов увеличения своего дохода – от работы на пол ставки до освоения методик пассивного заработка. |
Вкладывайте свои деньги. |
Ваши деньги будут расти гораздо быстрее, если вы их вложите во что-то прибыльное, а не просто будете копить их на сберегательном счете. Увеличение стоимости вашего вложения позволит вам достичь финансовой независимости гораздо быстрее. |
</s> |
<s>Напишите инструкцию на тему "Как избежать мошенничества": |
Проверьте надежность человека или компании, введя название компании (или имя) в месте с такими ключевыми словами, как "отзывы", "жалобы", обман", в поисковый сервис вродеGoogle. |
Так вы сможете узнать, были ли ранее с этой компанией какие-либо проблемы. |
Изучите отзывы людей, которые уже воспользовались услугами этой компании. |
Поищите информацию об этой компании на следующих сайтах: |
(Better Business Bureau), |
Узнайте, как долго эта компания работает. |
Может быть, она появилась совсем недавно и, возможно, скоро внезапно исчезнет? |
Платите по безналичному расчету, чтобы иметь возможность спасти деньги в случае мошенничества. |
Будьте осторожны с компаниями, которые требуют оплату до поставки товара. |
При оплате товара выясните адрес компании. |
Так ее можно будет найти впоследствии. |
</s> |
<s>Напишите инструкцию на тему "Как выбрать специалиста по финансовому планированию": |
Проверьте рекомендации специалиста. |
Его работа должна соответствовать правилам RG146 / PS146 ASIC, он должен иметь диплом в своей области и специализироваться по пенсионному страхованию, инвестициям или другим отраслям согласно вашим потребностям. |
Выберите специалиста по финансовому планированию, который входит в состав FPA или AFA. |
Эти организации следят за соблюдением этических норм и профессиональных стандартов сверх того, что требует закон. |
Поищите сертифицированного специалиста на сайтах FPA и AFA. |
Попросите членов организации рекомендовать специалиста. |
Поговорите с членом CFP. |
Сертификат этой организации стал мировым символом достижений в области финансового планирования. |
Ищите человека, которому можно доверить конфиденциальную информацию. |
Со специалистом по финансовому планированию вам придется делиться конфиденциальной информацией, поэтому доверие к нему очень важно. |
</s> |
<s>Напишите инструкцию на тему "Как создать инвестиционный портфель": |
Разработайте инвестиционный план. |
Узнайте, как правильно инвестировать в акции и облигации. |
Придерживайтесь своего инвестиционного плана. |
Если вам придется корректировать свой инвестиционный план, то это необходимо хорошо обосновать, например: в связи с изменениями в долгосрочной перспективе одного из ваших инвестиционных проектов или в связи с осознанием того, что данные инвестиции уже не отвечают вашим целям. |
Вкладывайте свои деньги в различные инвестиционные проекты, которые имеют низкую корреляцию друг с другом. |
Распределив свои деньги среди разнообразных инвестиционных проектов, стоимость которых может в разное время повышаться и понижаться, вы сможете избежать риска больших потерь, от которых весь ваш портфель может пострадать, если пострадает один из классов активов. Вы также иногда должны "восстанавливать баланс" вкладов д... |
Сокращайте инвестиции, когда они достигают слишком большого объема. |
Если вы переводите большую сумму денег, например, в акции одной категории, то вы принимаете ответственность за возможный существенный риск. Проверьте текущие ставки по выплатам доходов от прироста капитала в своей категории акций. Если по историческим меркам они находятся на низком уровне, то воспользуйтесь возможность... |
Продолжайте инвестировать. |
Хотя никто не может гарантировать постоянный рост в долгосрочной перспективе, рост стоимости акции все же значительно опережает рост во всех других классах активов. Продолжайте инвестировать в перспективные акции и пусть вас не смущают краткосрочные "удары" по их стоимости. |
Ищите возможности для того, чтобы увеличить доход. |
Для того чтобы повысить свой инвестиционный доход стоит обратить внимание на покупку тех акций, по которым увеличен (по историческим меркам) объем дивидендных выплат. Если вы живете в США, то дивиденды могут выглядеть для вас еще более привлекательно, потому что они облагаются налогом по максимальной ставке в 15 процен... |
Не забывайте о "высокодоходных" возможностях. |
Многих инвесторов привлекает потенциально высокий доход "растущих" и "агрессивно растущих" акций. Почти наверняка в вашем портфеле есть место для хороших, уверенных инвестиций в "высокодоходные" акции, которые обеспечат возможность увеличить стоимость капитала и текущий доход. |
Ограничьте рискованные инвестиции. |
Относитесь настороженно к инвестированию в развивающиеся рынки, "бросовые" облигации и акции, технологические и сырьевые товары, такие как нефть и золото. Перед тем как добавить подобные неустойчивые инвестиции в свой портфель, проведите исследовательскую работу: прочитайте как можно больше книг на тему инвестирования,... |
Выстройте "лестницу из облигаций". |
Выстраивая "лестницу", состоящую из облигаций с различными сроками погашения, вы можете защититься от потерь, вызываемых изменениями процентных ставок. Когда рыночные ставки будут находиться на низком уровне, ваши долгосрочные облигации с высокими процентными ставками будут работать на вас. Когда рыночные ставки будут ... |
Реинвестируйте, реинвестируйте, реинвестируйте. |
Если ваши инвестиции генерируют дивиденды или процентный доход, которые вам не требуются для погашения ежемесячных расходов, то рассмотрите возможность реинвестирования для того, чтобы заставить полученную прибыть поработать на вас. |
Следуйте правилам, а не предсказаниям. |
Никто не может точно предсказать, что именно будет приносить прибыль на финансовых рынках в будущем. Поэтому стоит придерживаться тех инвестиционных принципов, которые никогда не устаревают, таких как диверсификация, инвестирование в качество и ориентация на долгосрочную перспективу. |
</s> |
<s>Напишите инструкцию на тему "Как покупать золотые слитки": |
Определите, какую сумму денег вы хотите инвестировать в золото. |
Задумайтесь, где будете хранить золото после покупки. |
Выберите подходящий вес золота для покупки. |
Изучите рынок драгоценных металлов. |
Найдите продавца. |
Купите золото. |
. |
Храните золото в надежном месте. |
</s> |
<s>Напишите инструкцию на тему "Как скупить золотой лом": |
Почему? |
Если вы просто хотите купить золотой лом, то это очень простая одноразовая сделка. Просто поспрашивайте людей - возможно, они захотят продать вам что-то золотое. Возможно, сами-то они не хотят, но зато знают тех, кто с удовольствием вступит с вами в сделку. Обсудите свои намерения прикупить золотого лома с коллегами и ... |
Научитесь определять ценность лома. |
Берите цену золота (по которой его продают) и делите ее на 31,1, чтобы узнать цену за грамм. Затем умножьте это на пробу золота и вы получите ценность лома. Простой пример: золото торгуют за одну тысячу рублей. Делим 1000 рублей на 31,1 = 32,15 рублей за грамм (при условии цены в 1000 рублей) 24К. Итак, в украшении на ... |
Лицензия. |
К примеру, в США вы без лицензии на покупку и продажу золота и золотого лома проработаете не долго - до первого штрафа. Что же делать? Есть два варианта. Первый - получить лицензию. Второй - работать с тем, у кого лицензия уже есть. Оба варианта не бесплатные, у каждого - свои плюсы и минусы. Если вы настроены серьезно... |
Реклама. |
Тут все зависит от того, работаете ли вы сами или вместе с кем-то. Если вы собираетесь работать с кем-то, то убедитесь, что вас там всему научат (вообще замечательно, если еще и пару идей подкинут). Иные компании могут даже предоставить вам почти готовый маркетинговый план, тогда как другие просто оставят это дело вам.... |
Когда встанете на ноги и начнете зарабатывать, поздравьте себя. |
А потом на секунду остановитесь и поймите, что теперь вы можете заработать еще больше! Бизнес по скупке золотого лома может сделать вас богатым! В общем, не теряйтесь! |
</s> |
<s>Напишите инструкцию на тему "Как рассчитать cвободный денежный поток к собственному капиталу": |
Найдите чистый доход в последнем Отчете о доходах компании. |
Он, как правило, располагается внизу отчета. Для Kellogg Чистый доход равен $1247 млн. за 2010 календарный год. |
Добавьте износ и амортизацию, которая обычно приводится в Отчете о доходах, но также присутствует и в Отчете о движении денежных средств. |
Это бухгалтерские затраты, которые уменьшают доходы, но не являются денежными расходами. Для Kellogg затраты на амортизацию составляют $392 млн. Прибавим эту сумму к чистому доходу и получим $1639 млн. |
Вычтите капитальные затраты, которые показаны в разделе «Инвестиционная деятельность» в Отчете о движении денежных средств. |
Для Kellogg капитальные затраты в сумме составляют $474 млн. за 2010 год. Вычитая эту сумму из $1639 млн., получаем $1165 млн. |
Вычтите изменение неденежного оборотного капитала по данным последнего Баланса. |
Рост материалов и дебиторской задолженности уменьшает денежный поток, в то время как увеличение кредиторской задолженности увеличивает денежный поток. Рост неденежного оборотного капитала снижает денежный поток. Для Kellogg неденежный оборотный капитал на начало 2010 г. равен $2558 млн. (текущие активы) - $334 млн. (ка... |
Прибавьте увеличение чистого долга, который рассчитывается как новые долги за минусом возврата долгов за период. |
Это можно посчитать как изменение «Долгосрочных обязательств» в Балансе. Для Kellogg, долгосрочный долг равен $4835 млн. на начало 2010 г. и $4908 млн. На конец 2010 г. Итак, чистое увеличение долга составило $73 Million. Прибавим эту величину к $1814 млн. и получим $1887 млн. – искомый свободный денежный поток к капит... |
</s> |
<s>Напишите инструкцию на тему "Как определить, какой дом вам по карману": |
Рассчитайте соотношение собственных и заемных средств. |
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