Investing Lesson 4 - Falanqaynta Bayaanka Dakhliga
Sidee loo xisaabiyaa laba darajo oo hoos u dhigaya habka loo yaqaan "Balance Amount Balance"
Kala xisaabiyahaaga diyaarka u diyaari ama sheygaaga xisaabtaada adigoo isticmaalaya sababtoo ah xisaabinta habka qiimo-dhimista labanlaaban ee hoos u dhaca ayaa ah shaqo ka yar inta loo eego hababka kale ee aanu ka wada hadalnay.
Waxaa jira runtii laba nooc oo ka mid ah habka dhidibada labanlaaban, labadii 150% iyo version 200%. Sababtoo ah tusaale ahaan, way ku fududaan lahayd in ay kuu sharaxdo adiga oo kugu soo maraya tusaaleyaal tusaale ah. Aynu isticmaalno nambar isku mid ah oo aan ku tababaray wadarta sanadka 'xisaabinta xisaabinta khasaarta kharashka (raaco xiriirka ku xusan dhinaca sare ee maqaalka). Ka soo qaad inaad haysatid $ 100,000 hantida oo noqon doonta $ 10,000 oo ah dhamaadka nolosheeda faa'iido leh, oo ku siinaysa miisaan ku salaysan qiimo dhimis dhan $ 90,000. Intaa waxaa dheer, ka fikir in nolosha faa'iido leh ee hantida ay tahay toban sano.
- Qaadashada $ 100,000 qiimaha hantida hantida iyo ka jarista qiimaha qiyaasta $ 10,000, waxaan ognahay in ay jirto $ 90,000 oo ah macaamil qiimo leh. Marka la eego qaabka tooska ah, waxaan qaadaneynaa $ 90,000 oo aan kala qaybinno tirada sanadka ee hantida la filayo in ay ku sii jirto adeegga, kiiskan, 10. Kharashka qashin-qaadku wuxuu noqon lahaa $ 9,000 sanad walba.
- Xaaladdan, waxan qaadanaa kharashka $ 9,000 oo ah qiima-ka-soo-saarka iyo in la ogaado waxa ay tahay boqolkiiba qiimaha hoos u dhaca qiimaha, taas oo ah $ 90,000 ee sawirkayaga. Adiga oo qaadanaya $ 9,000 oo udhigma $ 90,000, waxaan ku imaanaa 0.10, ama 10.00%.
- Hadda, maaddaama aan isticmaaleyno habka 200%, waxaanu canshuureyn doonaa 2 x 10.00% si aanu u gaarno 20.00%. (Haddii aan isticmaaleynay 150% laba hab oo hoos u dhaca qiimaha hoos u dhaca, waxaan qaadan lahaa 1.5 x 10.00%).
- Waqtigan xaadirka ah, waxaan u baahannahay inaan codsano 20% qiimaha qiima-dhaca qiimaha hanti-dhawrka ee bilawga sanad walba . Feejignaan u yeelo taas oo noqon karta qalad caadi ah oo lagu dabaqi karo qadarka macaamilka, taas oo khaldan. Tani waxay sii socon doontaa illaa sanadka ugu dambeeya, taas oo ah isbedel gaar ah loo baahan yahay in la sameeyo si loo dhameeyo qiimo-dhaca iyo in la keeno hantida qiimaha badbaadada.
Waxay kaa caawin kartaa inaad aragto xisaabinta foomka jaantuska ah sida aan ku tusay laylintii ugu dambeysay ee aan sameynay.
Xisaabinta Qiimo-soo-saarka Iyadoo la isticmaalayo 200% Labo Dib-u-Dhigasho Habka Qaadashada Lahaanshaha Xisaabta
| Sannad | Qiyaasta Qiimaha Qaadashada Boqolkiiba La Qaadan karo | Bilaabidda Qiimeeynta | Kharashka Qaadashada | Dhammaadka Qaadashada Qiimaha |
| 1 | 20.00% | $ 100,000.00 | $ 20,000.00 | $ 80,000.00 |
| 2 | 20.00% | $ 80,000.00 | $ 16,000.00 | $ 64,000.00 |
| 3 | 20.00% | $ 64,000.00 | $ 12,800.00 | $ 51,200.00 |
| 4 | 20.00% | $ 51,200.00 | $ 10,240.00 | $ 40,960.00 |
| 5 | 20.00% | $ 40,960.00 | $ 8,192.00 | $ 32,768.00 |
| 6 | 20.00% | $ 32,768.00 | $ 6,553.60 | $ 26,214.40 |
| 7 | 20.00% | $ 26,214.40 | $ 5,242.88 | $ 20,971.52 |
| 8 | 20.00% | $ 20,971.52 | $ 4,194.30 | $ 16,777.22 |
| 9 | 20.00% | $ 16,777.22 | $ 3,335.44 | $ 13,421.77 |
| 10 | 20.00% | $ 13,421.77 | $ 2,684.35 + $ 737.42 isbeddel gaar ah sanadka ugu dambeeya | $ 10,000.00 |
Isbedelka sanadka soo socda ayaa la xisaabiyey sababtoo ah qiimaha koritaanka dhamaadka toban sano waxay noqon laheyd $ 10,737.42 laakiin waxaan ognahay in qiimaha wax soo-saarka uu ahaa $ 10,000.00 waana inuu noqdaa lambarka saxda ah ee saxda ah.