Eʻike i kāu kālā manawa,ʻaʻole kāu kālā makahiki
Akā,ʻaʻole kāu hōʻike nui iā mākou i ka makahiki makahiki āu e loaʻa nei. ʻO nā hana he 40 mau hola no $ 120,000 i kēlā me kēia makahikiʻoi aku kaʻokoʻa ma mua o ka hanaʻana i nā hebedoma 90-hola no $ 120,000 i kēlā me kēia makahiki.
No kaʻikeʻana i ka waiwai o kou manawa, ponoʻoe e nīnau iāʻoe iho: ʻEhia ka nui o kaʻu hana i ka hora ?
Eia keʻano e hoʻolālā ai i ka nui o kāu hana i hoʻokahi hola:
Ka Hoʻolālā Lālā: Lop Off Zeros, Mahele Ma ka 2
ʻO ke alaʻeleʻele e hoʻomaopopo i kou heluʻana o ka holaʻo ia e manaʻoʻoe e hanaʻoe iʻelua hola i kēlā me kēia makahiki.
No ke aha he 2,000 hola? Make mākou iāʻoe he manawa manawa piha , meʻelua pule hebedoma, aʻaʻohe manawaʻoi aku.
Hoʻonuiʻia nā hola he 40 ma ka hebedoma 50 i kēlā me kēia makahiki e like meʻelua hola.
Me kēia manaʻo noʻonoʻo, e lawe wale i kāu uku makahiki, e kinai i nā zeros mai ka hopena, a māhele i nā helu i koe eʻelua.
Ka Haʻawina 1:
Loaʻaʻoe i $ 40,000 ma ka makahiki.
Lop iʻekolu mau koho - $ 40
E mahele i elua - $ 20
Loaʻa iāʻoe he $ 20 i ka hola.
Kaʻana 2:
Loaʻaʻoe i $ 70,000 ma ka makahiki.
Lop iʻekolu mau koho - $ 70
E mahele i elua - $ 35
Loaʻa iāʻoe $ 35 ma ka hola.
Kaʻana 3:
Loaʻaʻoe i $ 120,000 ma ka makahiki.
Lop iʻekolu mau koho - $ 120
E mahele i elua - $ 60
Loaʻa iāʻoe $ 60 ma ka hora.
ʻO ke Kumu Kūikawā: KaʻIkepili Ratio
ʻO kaʻoiaʻiʻo,ʻo keʻano mākou i heluʻia ma luna nei, he kuhi koʻikoʻi. ʻAʻole nā mea a pau e hana i kahi kūlana he 40-hola kūikawā me ka holaʻole.
Kūkulu kekahi poʻe i 50 a 60 mau hola he 80 mau hola paha. ʻO kekahi poʻe e hana manawa lōʻihi.
No ka hoʻoholoʻana i kēia, huli mākou i keʻano pololei loa o kaʻikeʻana i ka nui o kāu e loaʻa ai i kēlā me kēia hola. Kapaʻiaʻo ia ka "ratio analysis" method.
Sounds akamai, huh? E hoʻomaha. Maiʻae i kēlā'ōlelo e hoʻoweliweli iāʻoe - heʻano maʻalahi loa kēia.
ʻO ka hoʻopili hoʻonohonohoʻana e helu ana i ka pilina ma waena o nā hola e hoʻohana aiʻoe a me kāu kālā. Inā loaʻa iāʻoe he $ 400 no ka hebedoma 40 hola, e like me ka 10 to 1 (10 $ i ka hola).
E kiʻi mākou e piʻi i kahi $ 500 i kēlā me kēia pule. Ma luna o kaʻili, e like paha me ka lōʻihi o ke kālā o ka hola i kēia manawa a hiki i ka 12.50 a 1. ($ 500 i puʻunaueʻia e 40 = $ 12.50 i ka hora.) Hooray!
Akā, nā pākela hoʻoikaika e hanaʻoe i nā hebedoma 60-hola. ʻO ke kūlana o ke kālā he hoʻokahi aʻo ka hora 8.3 wale nō 1. ($ 500 i puʻunaueʻia e 60 = $ 8.33 i kēlā hola).
I nā hua'ē aʻe, ua piʻi kou uku, akā, ua emi kou hola.
E holo ma waena o kekahi mau mea hou:
Ka Haʻawina 1:
Loaʻaʻoe i $ 38,000 ma ka makahiki.
Hanaʻoe i 40 hola i kēlā me kēia pule, meʻekolu pule o ka hoʻomaha.
Ke hana manawa = 40 hola x 49 weeks = 1,960 hola i kēlā me kēia makahiki.
$ 38,000 / 1,960 = $ 19.38 i kēlā me kēia hola (aiʻole he 19.4 āpau i ka hola)
Kaʻana 2:
Loaʻaʻoe i $ 18,000 i ka makahiki.
Hanaʻoe i 15 mau hola i kēlā me kēia pule, meʻekolu hebedoma no ka hoʻomaha .
Ke hana manawa = 15 mau 'ai ke 49 mau wiki = 735 mau hola ma ka makahiki.
$ 18,000 / 735 = $ 24.48 i kēlā me kēia hola (aiʻole ka helu o 24.5 a hiki i ka 1/2)
Kaʻana 3:
Loaʻaʻoe i $ 350 ma ka pule.
Hanaʻoe i 20 mau hola i kēlā me kēia pule.
$ 350/20 = $ 17.50 i kēlā me kēia hola (aiʻole he 17.5 ā hiki i ka helu 1 ka hola)