레이블이 Total Assets Ratio Formula인 게시물을 표시합니다. 모든 게시물 표시

2013년 12월 3일 화요일

오후 9:39

By Irene Breeding

In: Debt to Asset Ratio Example, Debt to Total Assets Formula, Total Assets Ratio Formula

About 'debt to assets formula'|How to Reach $1 Million

Ｗｈｅｎ               ｙｏｕ               ａｒｅ               ｓｔａｒｔｉｎｇ               ａ               ｈｏｍｅ               ｓｅａｒｃｈ,               ｔｈｅ               ｆｉｒｓｔ               ｓｕｂｊｅｃｔ               ｙｏｕ               ｍｕｓｔ               ｂｅｃｏｍｅ               ｆａｍｉｌｉａｒ               ｗｉｔｈ               ｉｓ               ｈｏｗ               ｔｏ               ｆｉｎａｎｃｅ               ｙｏｕｒ               ｐｕｒｃｈａｓｅ.

Ｓｏｍｅ               ｐｅｏｐｌｅ               ｇｏ               ｓｔｒａｉｇｈｔ               ｔｏ               ｔｈｅｉｒ               ｌｏｃａｌ               ｂａｎｋ               ｗｈｅｎ               ｓｅｅｋｉｎｇ               ａ               ｈｏｍｅ               ｌｏａｎ,               ｓｏｍｅ               ｇｏ               ｔｏ               ａ               ｍｏｒｔｇａｇｅ               ｂｒｏｋｅｒ               ｗｈｏ               ｗｉｌｌ               ｂｅ               ａｂｌｅ               ｔｏ               ｇｉｖｅ               ｔｈｅｍ               ｍａｎｙ               ｄｉｆｆｅｒｅｎｔ               ｏｐｔｉｏｎｓ               ａｓ               ｆａｒ               ａｓ               ｔｈｅ               ｔｙｐｅ               ｏｆ               ｌｏａｎ               ｔｈｅｙ               ｑｕａｌｉｆｙ               ｆｏｒ               (ａｔ               ａ               ｆｅｅ               ｏｆ               ｃｏｕｒｓｅ).

Ｉｎ               ｔｈｉｓ               ａｕｔｈｏｒ'ｓ               ｏｐｉｎｉｏｎ,               ｔｈｅ               ｂｅｓｔ               ｗａｙ               ｔｏ               ｇｏ               ｉｓ               ｗｉｔｈ               ａ               ｌｅｎｄｅｒ               ｏｒ               ｂｒｏｋｅｒ               ｗｈｏ               ｗａｓ               ｒｅｆｅｒｒｅｄ               ｔｏ               ｙｏｕ               ｂｙ               ｓｏｍｅｏｎｅ               ｙｏｕ               ｔｒｕｓｔ.

Ｗｈｅｎ               ｙｏｕ               ｄｅｃｉｄｅ               ｏｎ               ｓｏｍｅｏｎｅ,               ｔｈｅ               ｎｅｘｔ               ｓｔｅｐ               ｉｓ               ｔｏ               ｆｉｎｄ               ｏｕｔ               ｉｆ               ｙｏｕ               ｒｅａｌｌｙ               ｑｕａｌｉｆｙ.

Ｃｒｅｄｉｔ               Ｓｃｏｒｅ,               Ｉｎｃｏｍｅ,               ａｎｄ               Ｄｅｂｔ
               Ｔｈｅ               ｆｉｒｓｔ               ｑｕｅｓｔｉｏｎ               ａ               ｍｏｒｔｇａｇｅ               ｌｅｎｄｅｒ               ｗｉｌｌ               ｗａｎｔ               ｔｏ               ｋｎｏｗ               ｉｓ               "ｗｈａｔ               ｉｓ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ?"               (Ｔｉｐ:               Ｍｏｓｔ               ｆｉｒｓｔ               ｔｉｍｅ               ｈｏｍｅ               ｂｕｙｅｒｓ               ｄｏｎ'ｔ               ｒｅａｌｉｚｅ               ｔｈａｔ               ｔｈｅｙ               ｄｏ               ｎｏｔ               ｈａｖｅ               ｔｏ               ｇｉｖｅ               ｅｖｅｒｙ               ｐｏｓｓｉｂｌｅ               ｌｅｎｄｅｒ               ｔｈｅｉｒ               ｓｏｃｉａｌ               ｓｅｃｕｒｉｔｙ               ｎｕｍｂｅｒ               ｔｏ               ｇｅｔ               ａｎ               ｅｓｔｉｍａｔｅ               ｏｆ               ｔｈｅｉｒ               ｒａｔｅｓ.

Ｉｆ               ｙｏｕ               ｋｎｏｗ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ,               ｙｏｕ               ｃａｎ               ｊｕｓｔ               ｔｅｌｌ               ｔｈｅｍ               ｗｈａｔ               ｉｔ               ｉｓ               ａｎｄ               ｌｅｔ               ｔｈｅｍ               ｇｉｖｅ               ｙｏｕ               ｔｈｅ               ｒａｔｅｓ               ｔｈｅｙ               ｈａｖｅ,               ｔｈｅｎ               ｙｏｕ               ｃａｎ               ｃｏｍｅ               ｂａｃｋ               ａｎｄ               ｇｉｖｅ               ｔｈｅｍ               ｙｏｕｒ               ｓｏｃｉａｌ               ｔｏ               ｐｒｏｃｅｓｓ               ｔｈｅ               ｌｏａｎ.)               Ｏｎｅ               ｏｆ               ｔｈｅ               ｂｉｇｇｅｓｔ               ｆａｃｔｏｒｓ               ｉｎ               ｆｉｎａｎｃｉｎｇ               ａ               ｍｏｒｔｇａｇｅ               ｔｒａｎｓａｃｔｉｏｎ               ｉｓ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ.

Ｍｏｓｔ               ｌｅｎｄｅｒｓ               ｗｉｌｌ               ｎｏｔ               ｅｖｅｎ               ｌｏｏｋ               ｆｕｒｔｈｅｒ               ｉｎｔｏ               ａｎ               ａｐｐｌｉｃａｔｉｏｎ               ｗｉｔｈ               ａ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｌｏｗｅｒ               ｔｈａｎ               580,               ｗｈｉｌｅ               ｏｔｈｅｒｓ               ｗｉｌｌ               ｔｒｙ               ｔｏ               ｔａｋｅ               ａｄｖａｎｔａｇｅ               ｏｆ               ｂａｄ               ｃｒｅｄｉｔ               ｃｕｓｔｏｍｅｒｓ               ｗｉｔｈ               ｈｉｇｈ               ｐｒｉｃｅｄ               ｐｒｏｄｕｃｔｓ.

Ｇｅｎｅｒａｌｌｙ,               ｃｕｓｔｏｍｅｒｓ               ｗｉｔｈ               ｃｒｅｄｉｔ               ｓｃｏｒｅｓ               ｏｖｅｒ               700               ｗｉｌｌ               ｈａｖｅ               ａｎ               ｅａｓｉｅｒ               ｔｉｍｅ               ｇｅｔｔｉｎｇ               ａ               ｆａｉｒ               ｍｏｒｔｇａｇｅ               ｌｏａｎ.

Ｉｆ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｉｓ               ｌｅｓｓ               ｔｈａｎ               ｄｅｓｉｒａｂｌｅ,               ｙｏｕ               ｍａｙ               ｗａｎｔ               ｔｏ               ｒｅｃｏｎｓｉｄｅｒ               ｙｏｕｒ               ｄｅｃｉｓｉｏｎ               ｔｏ               ｐｕｒｃｈａｓｅ               ａ               ｈｏｍｅ               ａｔ               ｔｈｉｓ               ｔｉｍｅ.
               Ｏｔｈｅｒ               ｆａｃｔｏｒｓ               ｌｅｎｄｅｒｓ               ｕｓｅ               ｔｏ               ｄｅｔｅｒｍｉｎｅ               ｗｈｅｔｈｅｒ               ｙｏｕ               ａｒｅ               ｑｕａｌｉｆｉｅｄ               ｆｏｒ               ａ               ｌｏａｎ               ａｒｅ               ｙｏｕｒ               ｉｎｃｏｍｅ               ａｎｄ               ｄｅｂｔ               ｌｏａｄ.
               Ｈｏｗ               Ｍｕｃｈ               Ｈｏｍｅ               Ｃａｎ               Ｉ               Ａｆｆｏｒｄ?
               Ｓｏ               ｏｎｅ               ｏｆ               ｙｏｕｒ               ｆｉｒｓｔ               ｑｕｅｓｔｉｏｎｓ               ｔｏ               ｔａｃｋｌｅ               ｉｓ               "ｈｏｗ               ｍｕｃｈ               ｈｏｍｅ               ｃａｎ               Ｉ               ａｆｆｏｒｄ?"               Ｔｈｅ               ｇｅｎｅｒａｌ               ｒｕｌｅ               ｉｓ               ｔｈａｔ               ｙｏｕｒ               ｔｏｔａｌ               ｍｏｎｔｈｌｙ               ｈｏｍｅ               ｃｏｓｔｓ               ｓｈｏｕｌｄ               ｂｅ               ｎｏ               ｍｏｒｅ               ｔｈａｎ               28%               ｏｆ               ｙｏｕｒ               ｇｒｏｓｓ               ｍｏｎｔｈｌｙ               ｉｎｃｏｍｅ.

Ｍｏｎｔｈｌｙ               ｈｏｍｅ               ｃｏｓｔｓ               ｉｎｃｌｕｄｅ               ｍｏｒｔｇａｇｅ               ｐａｙｍｅｎｔ,               ｔａｘｅｓ,               ｉｎｓｕｒａｎｃｅ               ａｎｄ               ａｎｙ               ｈｏｍｅ               ｒｅｐａｉｒｓ               ａｎｄ               ｕｐｋｅｅｐ.

(Ｔｉｐ:               Ｙｏｕ               ｃａｎ               ｆｉｎｄ               ｍａｎｙ               ｍｏｒｔｇａｇｅ               ｐａｙｍｅｎｔ               ｃａｌｃｕｌａｔｏｒｓ               ｂｙ               ｄｏｉｎｇ               ａ               ｓｉｍｐｌｅ               Ｉｎｔｅｒｎｅｔ               ｓｅａｒｃｈ.

Ｒｕｎ               ｓｏｍｅ               ｓａｍｐｌｅ               ｈｏｍｅ               ｐｒｉｃｅｓ               ｔｈｒｏｕｇｈ               ａ               ｍｏｒｔｇａｇｅ               ｃａｌｃｕｌａｔｏｒ               ｔｏ               ｆｉｇｕｒｅ               ｏｕｔ               ｗｈａｔ               ｙｏｕｒ               ｍｏｎｔｈｌｙ               ｍｏｒｔｇａｇｅ               ｗｏｕｌｄ               ｂｅ               ａｔ               ａ               ｃｏｍｍｏｎ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               (ａｒｏｕｎｄ               7%)               ｔｏ               ｄｅｃｉｄｅ               ｈｏｗ               ｍｕｃｈ               ｈｏｍｅ               ｙｏｕ               ｒｅａｌｌｙ               ｃａｎ               ａｆｆｏｒｄ.)               Ｙｏｕ               ａｌｓｏ               ｎｅｅｄ               ｔｏ               ｆｉｎｄ               ｌｏｃａｌ               ｉｎｆｏｒｍａｔｉｏｎ               ａｂｏｕｔ               ｙｏｕｒ               ｔａｘ               ａｎｄ               ｉｎｓｕｒａｎｃｅ               ｒａｔｅｓ.
               Ａｎｏｔｈｅｒ               ｉｍｐｏｒｔａｎｔ               ｆｏｒｍｕｌａ               ｔｈａｔ               ｍｏｓｔ               ｌｅｎｄｅｒｓ               ｗｉｌｌ               ｃｏｎｓｉｄｅｒ               ｉｓ               ｙｏｕｒ               ｄｅｂｔ-ｔｏ-ｉｎｃｏｍｅ               ｒａｔｉｏ.

Ｙｏｕ               ｇｅｎｅｒａｌｌｙ               ｄｏ               ｎｏｔ               ｗａｎｔ               ｙｏｕｒ               ｔｏｔａｌ               ｍｏｎｔｈｌｙ               ｄｅｂｔ               ｔｏ               ｅｘｃｅｅｄ               36%               ｏｆ               ｙｏｕｒ               ｇｒｏｓｓ               ｍｏｎｔｈｌｙ               ｉｎｃｏｍｅ,               ｏｒ               ｙｏｕ               ｍａｙ               ｂｅ               ｉｎ               ａ               ｔｒｏｕｂｌｅ               ｚｏｎｅ               ａｓ               ｆａｒ               ａｓ               ｔｒｙｉｎｇ               ｔｏ               ｇｅｔ               ｙｏｕｒ               ｈｏｍｅ               ｐｕｒｃｈａｓｅ               ｆｉｎａｎｃｅｄ               ａｔ               ａ               ｒｅａｓｏｎａｂｌｅ               ｒａｔｅ.
               Ｄｏｗｎ               Ｐａｙｍｅｎｔ
               Ｉｎ               ｔｈｅ               ｐｒｅｖｉｏｕｓ               ｍａｒｋｅｔ,               ｄｏｗｎ               ｐａｙｍｅｎｔｓ               ｗｅｒｅ               ｎｏｔ               ａｌｗａｙｓ               ｎｅｃｅｓｓａｒｙ.

Ｍｏｒｔｇａｇｅ               ｂｒｏｋｅｒｓ               ｈａｄ               ｍａｎｙ               ｐｒｏｄｕｃｔｓ               ｔｈａｔ               ｐｒｏｖｉｄｅｄ               100%               ｆｉｎａｎｃｅｄ               ｌｏａｎｓ               ｔｏ               ｃｏｖｅｒ               ｔｈｅ               ｅｎｔｉｒｅ               ｌｏａｎ.

Ｎｏｗａｄａｙｓ,               ｔｈｅｓｅ               ｔｙｐｅｓ               ｏｆ               ｌｏａｎｓ               ａｒｅ               ａ               ｔｈｉｎｇ               ｏｆ               ｔｈｅ               ｐａｓｔ.

Ｙｏｕ               ｎｅｅｄ               ａ               ｄｏｗｎ               ｐａｙｍｅｎｔ               ｏｆ               ａｔ               ｌｅａｓｔ               10%               ｏｆ               ｔｈｅ               ｐｕｒｃｈａｓｅ               ｐｒｉｃｅ               ｏｆ               ｔｈｅ               ｈｏｍｅ               ｔｏ               ｒｅｃｅｉｖｅ               ｆｉｎａｎｃｉｎｇ,               ａｌｏｎｇ               ｗｉｔｈ               ｔｈｅ               ｃｌｏｓｉｎｇ               ｃｏｓｔｓ               ｗｈｉｃｈ               ｃａｎ               ｂｅ               ａｓ               ｈｉｇｈ               ａｓ               $5,000.

(Ｔｉｐ:               Ｍｏｓｔ               ｓｅｌｌｅｒｓ               ｗｉｌｌ               ｐｒｏｖｉｄｅ               ｗｈａｔ               ｉｓ               ｃａｌｌｅｄ               ａ               "ｓｅｌｌｅｒ'ｓ               ａｓｓｉｓｔ,"               ｗｈｉｃｈ               ｉｓ               ａ               ｐｅｒｃｅｎｔａｇｅ               ｏｆ               ｔｈｅ               ｈｏｍｅ               ｐｕｒｃｈａｓｅ               ｐｒｉｃｅ,               ｕｓｕａｌｌｙ               ａｂｏｕｔ               3%               ｔｈａｔ               ｗｉｌｌ               ｂｅ               ｐｕｔ               ｆｏｒｔｈ               ｔｏ               ｈｅｌｐ               ｔｈｅ               ｂｕｙｅｒ               ｐａｙ               ｈｉｓ               ｏｒ               ｈｅｒ               ｃｌｏｓｉｎｇ               ｃｏｓｔｓ.

Ｔｈｉｓ               "ｓｅｌｌｅｒ'ｓ               ａｓｓｉｓｔａｎｃｅ"               ｉｓ               ａｐｐｌｉｅｄ               ａｔ               ｔｈｅ               ｃｌｏｓｉｎｇ               ｔａｂｌｅ.)
               Ｗｈａｔ               Ｋｉｎｄ               ｏｆ               Ｍｏｒｔｇａｇｅ               Ｐｒｏｄｕｃｔ               ｉｓ               Ｂｅｓｔ               ｆｏｒ               Ｍｙ               Ｓｉｔｕａｔｉｏｎ?
               Ｏｎｃｅ               ｉｔ               ｉｓ               ｄｅｔｅｒｍｉｎｅｄ               ｔｈａｔ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ,               ｉｎｃｏｍｅ,               ｈｏｍｅ               ｐｒｉｃｅ,               ａｎｄ               ｄｅｂｔ               ｌｏａｄ               ｉｓ               ａｐｐｒｏｐｒｉａｔｅ               ｆｏｒ               ｙｏｕｒ               ｓｉｔｕａｔｉｏｎ,               ｙｏｕ               ｔｈｅｎ               ｈａｖｅ               ｔｏ               ｍａｋｅ               ｔｈｅ               ｄｅｃｉｓｉｏｎ               ｗｉｔｈ               ｙｏｕｒ               ｌｅｎｄｅｒ               ｏｎ               ｗｈａｔ               ｋｉｎｄ               ｏｆ               ｍｏｒｔｇａｇｅ               ｙｏｕ               ｗｉｌｌ               ｔａｋｅ               --               ａ               ｆｉｘｅｄ               ｌｏａｎ,               ａｄｊｕｓｔａｂｌｅ               ｒａｔｅ               ｍｏｒｔｇａｇｅ               (ＡＲＭ),               Ｔｈｅ               30               ｙｅａｒ               ｆｉｘｅｄ               ｌｏａｎ               ｉｓ               ｔｈｅ               ｍｏｓｔ               ｃｏｍｍｏｎ               ａｎｄ               ｐｒｅｆｅｒｒｅｄ--ｂａｓｉｃａｌｌｙ               ｙｏｕ               ｗｉｌｌ               ｍａｋｅ               ａ               ｆｉｘｅｄ               ｐａｙｍｅｎｔ               ｅｖｅｒｙ               ｍｏｎｔｈ               ｆｏｒ               ｔｈｅ               ｎｅｘｔ               360               ｍｏｎｔｈｓ               ａｔ               ａ               ｓｅｔ               ｒａｔｅ.

Ｓｏｍｅ               ｐｅｏｐｌｅ               ｖｉｅ               ｆｏｒ               ａ               10,               15,               ｏｒ               20               ｙｅａｒ               ｆｉｘｅｄ               ｌｏａｎ               ａｔ               ａ               ｈｉｇｈｅｒ               ｍｏｎｔｈｌｙ               ｐａｙｍｅｎｔ,               ｔｈｅ               ｂｅｎｅｆｉｔ               ｂｅｉｎｇ               ｔｈａｔ               ｙｏｕ               ｗｉｌｌ               ｂｅ               ｆｉｎｉｓｈｅｄ               ｐａｙｉｎｇ               ｆｏｒ               ｙｏｕｒ               ｈｏｕｓｅ               ｉｎ               ｍｕｃｈ               ｌｅｓｓ               ｔｉｍｅ               ｃｏｍｐａｒｅｄ               ｔｏ               ａ               30               ｙｅａｒ               ｆｉｘｅｄ,               ａｎｄ               ｓａｖｅ               ｔｈｏｕｓａｎｄｓ               ｉｎ               ｉｎｔｅｒｅｓｔ.

(Ｔｉｐ:               Ｍｏｓｔ               ｐｅｏｐｌｅ               ａｌｓｏ               ｍａｋｅ               ｂｉｗｅｅｋｌｙ--ｉｎｓｔｅａｄ               ｏｆ               ｍｏｎｔｈｌｙ--ｐａｙｍｅｎｔｓ               ｏｎ               ｔｈｅｉｒ               30               ｙｅａｒ               ｆｉｘｅｄ               ｍｏｒｔｇａｇｅｓ               ｗｈｉｃｈ               ａｌｌｏｗｓ               ｔｈｅｍ               ｔｏ               ｐａｙ               ｏｆｆ               ｔｈｅｉｒ               ｌｏａｎ               ｑｕｉｃｋｅｒ               ａｎｄ               ｗｉｔｈ               ｍｕｃｈ               ｌｅｓｓ               ｉｎｔｅｒｅｓｔ               ｃｏｓｔ.)
               Ｔｈｅ               ｖｅｒｄｉｃｔ               ｉｓ               ｓｔｉｌｌ               ｏｕｔ               ｏｎ               ａｄｊｕｓｔａｂｌｅ               ｒａｔｅ               ｍｏｒｔｇａｇｅｓ.

Ｓｏｍｅ               ｓａｙ               ｉｔ               ｉｓ               ａ               ｕｓｅｆｕｌ               ｔｏｏｌ               ｆｏｒ               ｐｒｏｓｐｅｃｔｉｖｅ               ｈｏｍｅ               ｏｗｎｅｒｓ               ｗｈｏ               ａｒｅ               ｌｏｏｋｉｎｇ               ｔｏ               ｓａｖｅ               ｓｏｍｅ               ｍｏｎｅｙ,               ａｎｄ               ｓｏｍｅ               ｓａｙ               ｉｔ               ｉｓ               ａ               ｄｅａｔｈ               ｔｒａｐ               ｆｏｒ               ｉｎｅｘｐｅｒｉｅｎｃｅｄ               ｈｏｍｅ               ｏｗｎｅｒｓ               ｗｈｏ               ｋｎｏｗ               ｎｏｔｈｉｎｇ               ａｂｏｕｔ               ｔｈｅ               ｗａｙ               ｔｈｅ               ｅｃｏｎｏｍｙ               ｍｏｖｅｓ.

Ｗｉｔｈ               ａｄｊｕｓｔａｂｌｅ               ｒａｔｅ               ｍｏｒｔｇａｇｅｓ               ｙｏｕ               ｗｉｌｌ               ｐａｙ               ａ               ｆｉｘｅｄ               ｒａｔｅ               ｏｖｅｒ               ａ               ｃｅｒｔａｉｎ               ｎｕｍｂｅｒ               ｏｆ               ｙｅａｒｓ--ｎａｍｅｌｙ               ｔｈｒｅｅ               ｏｒ               ｆｉｖｅ               ｙｅａｒｓ--ａｎｄ               ｔｈｅｎ               ｙｏｕｒ               ｒａｔｅ               ｗｉｌｌ               ｂｅｇｉｎ               ａｄｊｕｓｔｉｎｇ               ｂａｓｅｄ               ｏｎ               ａ               ｆｏｒｍｕｌａ               ｓｅｔ               ｂｙ               ｔｈｅ               ｌｅｎｄｅｒ.

Ｉｎ               ｓｏｍｅ               ｃａｓｅｓ               ａｆｔｅｒ               ｔｈｅ               ｔｈｒｅｅ               ｏｒ               ｆｉｖｅ               ｙｅａｒｓ               ｉｓ               ｕｐ,               ｔｈｅ               ｒａｔｅｓ               ａｎｄ               ｒｅｓｕｌｔｉｎｇ               ｐａｙｍｅｎｔ               ｃａｎ               ａｌｍｏｓｔ               ｄｏｕｂｌｅ               (ｄｅｐｅｎｄｉｎｇ               ｏｎ               ｔｈｅ               ｌｅｎｄｅｒ               ｔｅｒｍｓ).

Ｍｏｓｔ               ｌｅｎｄｅｒｓ               ｗｉｌｌ               ｒｅｃｏｍｍｅｎｄ               ａｎ               ａｄｊｕｓｔａｂｌｅ               ｒａｔｅ               ｏｎｌｙ               ｔｏ               ｐｅｏｐｌｅ               ｗｈｏ               ｏｎｌｙ               ｐｌａｎ               ｔｏ               ｌｉｖｅ               ｉｎ               ｔｈｅｉｒ               ｈｏｕｓｅ               ｆｏｒ               ｔｈｒｅｅ               ｙｅａｒｓ               ｏｒ               ｌｅｓｓ               ａｎｄ               ｗａｎｔ               ａ               ｌｏｗ               ｍｏｎｔｈｌｙ               ｐａｙｍｅｎｔ.

Ｔｈａｔ               ｗａｙ               ｗｈｅｎ               ｔｈｅｙ               ｍｏｖｅ               ａｎｄ               ｓｅｌｌ               ｔｈｅｉｒ               ｈｏｕｓｅ,               ｔｈｅｙ               ｗｉｌｌ               ｈａｖｅ               ｎｅｖｅｒ               ｂｅｅｎ               ａｆｆｅｃｔｅｄ               ｂｙ               ａｎ               ｉｎｃｒｅａｓｉｎｇ               ｒａｔｅ.

Ｔｈｅｙ               ａｌｓｏ               ｈａｖｅ               ｔｈｅ               ｏｐｐｏｒｔｕｎｉｔｙ               ｔｏ               ｒｅｆｉｎａｎｃｅ               ａｆｔｅｒ               ｔｈｅ               ＡＲＭ'ｓ               ｆｉｘｅｄ               ｔｉｍｅ               ｐｅｒｉｏｄ               ｉｓ               ｕｐ,               ｂｕｔ               ｒｅｆｉｎａｎｃｉｎｇ               ｃａｎ               ｂｅ               ｄｉｆｆｉｃｕｌｔ,               ｉｍｐｏｓｓｉｂｌｅ,               ａｎｄ/ｏｒ               ｅｘｐｅｎｓｉｖｅ               ｆｏｒ               ａ               ｈｏｍｅｏｗｎｅｒ               ｉｎ               ｔｈｉｓ               ｓｉｔｕａｔｉｏｎ.

Ｔｈｅ               ｐｒｏｌｉｆｅｒａｔｉｏｎ               ｏｆ               ＡＲＭ'ｓ               ｉｎ               ｔｈｅ               ｃｕｒｒｅｎｔ               Ａｍｅｒｉｃａｎ               ｒｅａｌ               ｅｓｔａｔｅ               ｍａｒｋｅｔ               ｈａｓ               ｐｌａｙｅｄ               ａｎ               ｉｍｐｏｒｔａｎｔ               ｒｏｌｅ               ｉｎ               ｔｈｅ               ｉｎｃｒｅａｓｅ               ｉｎ               ｈｏｍｅ               ｆｏｒｅｃｌｏｓｕｒｅｓ.
               Ｏｎｅ               ｔｙｐｅ               ｏｆ               ｍｏｒｔｇａｇｅ               ｔｈａｔ               ｍｏｓｔ               ｆｉｎａｎｃｉａｌ               ｐｒｏｆｅｓｓｉｏｎａｌｓ               ａｇｒｅｅ               ｙｏｕ               ｓｈｏｕｌｄ               ａｖｏｉｄ               ｉｓ               ａｎｙ               ｌｏａｎ               ｔｈａｔ               ｉｎｃｌｕｄｅｓ               ａ               ｂａｌｌｏｏｎ               ｐａｙｍｅｎｔ.

Ｗｉｔｈ               ｔｈｉｓ               ｔｙｐｅ               ｏｆ               ｌｏａｎ,               ｙｏｕ               ｗｉｌｌ               ｐａｙ               ａ               ｌｏｗｅｒ               ｍｏｎｔｈｌｙ               ｐａｙｍｅｎｔ               ｏｖｅｒ               ｔｉｍｅ,               ｂｕｔ               ｔｈｅｎ               ｅｎｄ               ｕｐ               ｈａｖｉｎｇ               ｔｏ               ｐａｙ               ａ               ｌａｒｇｅ               ｐａｙｍｅｎｔ               ａｔ               ｔｈｅ               ｅｎｄ               ｏｆ               ｙｏｕｒ               ｌｏａｎ               ｔｈａｔ               ｙｏｕ               ｍｏｓｔ               ｌｉｋｅｌｙ               ｗｉｌｌ               ｎｏｔ               ｂｅ               ａｂｌｅ               ｔｏ               ａｆｆｏｒｄ.

Ａｌｓｏ,               ｕｎｌｅｓｓ               ｙｏｕ               ａｒｅ               ａ               ｒｅａｌ               ｅｓｔａｔｅ               ｉｎｖｅｓｔｏｒ,               ｙｏｕ               ｓｈｏｕｌｄ               ａｖｏｉｄ               ｉｎｔｅｒｅｓｔ               ｏｎｌｙ               ｌｏａｎｓ.

Ｗｉｔｈ               ａｎ               ｉｎｔｅｒｅｓｔ               ｏｎｌｙ               ｌｏａｎ               ｙｏｕ               ｗｉｌｌ               ｐａｙ               ａ               ｌｏｗｅｒ               ｍｏｎｔｈｌｙ               ｐａｙｍｅｎｔ               ｏｖｅｒ               ａ               ｃｅｒｔａｉｎ               ｎｕｍｂｅｒ               ｏｆ               ｙｅａｒｓ,               ｂｕｔ               ａｌｌ               ｏｆ               ｔｈｅ               ｍｏｎｅｙ               ｐａｉｄ               ｗｉｌｌ               ｇｏ               ｓｔｒａｉｇｈｔ               ｔｏ               ｔｈｅ               ｌｅｎｄｅｒ'ｓ               ｐｏｃｋｅｔ--ｎｏｎｅ               ｗｉｌｌ               ｇｏ               ｔｏｗａｒｄ               ｐａｙｉｎｇ               ｏｆｆ               ｔｈｅ               ｐｒｉｎｃｉｐａｌ,               ｗｈｉｃｈ               ｉｓ               ｔｈｅ               ａｃｔｕａｌ               ｂｉｌｌ               ｆｏｒ               ｙｏｕｒ               ｈｏｕｓｅ.

Ｔｈｅ               ｍｏｒｅ               ｐｒｉｎｃｉｐａｌ               ｙｏｕ               ｐａｙ,               ｔｈｅ               ｍｏｒｅ               ｅｑｕｉｔｙ               ｙｏｕ               ｇａｉｎ               ｉｎ               ｙｏｕｒ               ｈｏｕｓｅ.

Ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｏｎｌｙ               ｌｏａｎ               ｉｓ               ｏｎｌｙ               ｉｄｅａｌ               ｆｏｒ               ｒｅａｌ               ｅｓｔａｔｅ               ｉｎｖｅｓｔｏｒｓ               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｕｓｕａｌｌｙ               ｄｏｎ'ｔ               ｐｌａｎ               ｏｎ               ｈｏｌｄｉｎｇ               ｏｎｔｏ               ｔｈｅ               ｈｏｕｓｅ               ｆｏｒ               ｖｅｒｙ               ｌｏｎｇ.
               Ｓｔａｔｅｄ               ｉｎｃｏｍｅ               ａｎｄ               ｓｔａｔｅｄ               ａｓｓｅｔｓ               ｌｏａｎｓ               ａｒｅ               ａｖａｉｌａｂｌｅ               ｔｏ               ｐｅｏｐｌｅ               ｗｈｏ               ａｒｅ               ｓｅｌｆ-ｅｍｐｌｏｙｅｄ               ａｎｄ               ｈａｖｅ               ｇｏｏｄ               ｃｒｅｄｉｔ.

Ｗｉｔｈ               ｔｈｅｓｅ               ｐｒｏｄｕｃｔｓ               ｙｏｕ               ｄｏ               ｎｏｔ               ｈａｖｅ               ｔｏ               ｐｒｏｖｅ               ｏｒ               ｖｅｒｉｆｙ               ｉｎｃｏｍｅ               ｏｒ               ａｓｓｅｔｓ,               ａｎｄ               ｔｈｅ               ｌｅｎｄｅｒ               ｉｓ               ｏｎｌｙ               ｃｏｎｓｉｄｅｒｉｎｇ               ｙｏｕｒ               ｐａｙｍｅｎｔ               ａｎｄ               ｃｒｅｄｉｔ               ｈｉｓｔｏｒｙ.

Ｔｈｅ               ｎｅｇａｔｉｖｅ               ｓｉｄｅ               ｏｆ               ａ               ｓｔａｔｅｄ               ｉｎｃｏｍｅ               ｏｒ               ａｓｓｅｔ               ｌｏａｎ               ｉｓ               ａ               ｓｌｉｇｈｔｌｙ               ｈｉｇｈｅｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｗｈｉｃｈ               ｃｏｕｌｄ               ｃｏｓｔ               ｙｏｕ               ｔｈｏｕｓａｎｄｓ               ｏｖｅｒ               ｔｉｍｅ.
               Ｄｏ               Ｙｏｕｒ               Ｒｅｓｅａｒｃｈ
               Ｕｓｅ               ｔｈｅ               Ｉｎｔｅｒｎｅｔ               ｆｏｒ               ａｌｌ               ｉｔ'ｓ               ｗｏｒｔｈ.

Ｓｅａｒｃｈ,               ｒｅｓｅａｒｃｈ,               ａｎｄ               ｓｅａｒｃｈ               ａｇａｉｎ               ｔｏ               ｇａｔｈｅｒ               ａｓ               ｍｕｃｈ               ｉｎｆｏｒｍａｔｉｏｎ               ａｓ               ｐｏｓｓｉｂｌｅ               ｂｅｆｏｒｅ               ｍａｋｉｎｇ               ａ               ｆｉｎａｌ               ｄｅｃｉｓｉｏｎ               ｏｎ               ｙｏｕｒ               ｒｅａｌ               ｅｓｔａｔｅ               ｆｉｎａｎｃｉｎｇ.

Ｉｎｆｏｒｍａｔｉｏｎ               ｉｓ               ｐｏｗｅｒ,               ａｎｄ               ｉｇｎｏｒａｎｃｅ               ｉｓ               ｃｏｓｔｌｙ.

Ｗｉｔｈ               ｔｈｅ               ｐｒｏｐｅｒ               ｒｅｓｅａｒｃｈ,               ｑｕｅｓｔｉｏｎｓ,               ａｎｄ               ｐａｒｔｉｅｓ               ｉｎｖｏｌｖｅｄ               ｉｎ               ｙｏｕｒ               ｔｒａｎｓａｃｔｉｏｎ,               ｆｉｎａｎｃｉｎｇ               ｙｏｕｒ               ｈｏｍｅ               ｃａｎ               ｂｅ               ａ               ｂｒｅｅｚｅ.

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2013년 11월 23일 토요일

오후 6:33

By Irene Breeding

In: Debt to Asset Percentage, Debt to Asset Ratio Formula, Debt to Total Assets Calculator, Debts to Total Assets Ratio, Times Interest Earned Ratio, Times Interest Earned Ratio Formula, Total Assets Ratio Formula

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               Ａｓ               ＳＡＣ'ｓ               ｂｕｓｉｎｅｓｓ               ｆｉｎａｎｃｉａｌ               ａｎａｌｙｓｔ,               Ｉ               ｈａｖｅ               ｂｅｅｎ               ｔａｓｋｅｄ               ｗｉｔｈ               ｔｈｅ               ｄｕｔｉｅｓ               ｏｆ               ｐｒｏｖｉｄｉｎｇ               ｔｈｅ               Ｂｏａｒｄ               ｏｆ               Ｄｉｒｅｃｔｏｒｓ               ａｎｄ               ｔｈｅ               ｅｘｅｃｕｔｉｖｅ               ｍａｎａｇｅｍｅｎｔ               ｔｅａｍ               ｗｉｔｈ               ｔｈｅ               ｐｅｒｔｉｎｅｎｔ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ｔｈａｔ               ａｒｅ               ｎｅｃｅｓｓａｒｙ               ｆｏｒ               ｈｅｌｐｉｎｇ               ｉｎ               ｔｈｅ               ｍａｎａｇｅｍｅｎｔ               ｏｆ               ｔｈｅ               ｃｏｍｐａｎｙ.

Ｔｈｉｎｇｓ               ｔｈａｔ               Ｉ               ｗｉｌｌ               ｃｏｖｅｒ               ａｒｅ               ｔｈｅ               ｓｔａｔｅｍｅｎｔ               ｃｏｎｓｉｓｔｓ               ｏｆ,               ｈｏｗ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｗｉｌｌ               ｂｅ               ｕｓｅｄ               ｂｙ               ｔｈｅ               ｍａｎａｇｅｍｅｎｔ               ｔｅａｍ,               ｈｏｗ               ｉｔ               ｗｉｌｌ               ｈｅｌｐ               ｔｈｅｍ               ｍａｎａｇｅ               ｔｈｅ               ｃｏｍｐａｎｙ,               ｉｔｓ               ｌｉｍｉｔａｔｉｏｎｓ,               ｓｙｎｏｐｓｉｓ               ｏｆ               ｔｈｅ               ｃｏｍｐａｎｙ               ａｓ               ａ               ｗｈｏｌｅ               ｊｕｓｔ               ｆｒｏｍ               ｌｏｏｋｉｎｇ               ａｔ               ｔｈｅ               ｄａｔａ               ｉｎ               ｔｈｅｓｅ               ｓｔａｔｅｍｅｎｔｓ.
               Ｔｈｅ               ｆｉｒｓｔ               ａｒｅａ               Ｉ               ｗｉｌｌ               ｃｏｖｅｒ               ｉｓ               ｔｈｅ               ｄｉｆｆｅｒｅｎｔ               ｔｙｐｅ               ｏｆ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ａｎｄ               ｔｈｅｉｒ               ｐｕｒｐｏｓｅｓ.

Ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ａｒｅ               ａ               ｃｒｕｃｉａｌ               ｐａｒｔ               ｏｆ               ａ               ｃｏｍｐａｎｙ'ｓ               ｗｅｌｌ               ｂｅｉｎｇ.

Ｉｎ               ｂｌａｔａｎｔ               ｓｐｅｅｃｈ,               ａ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔ               ｉｓ               ａｌｌ               ａｂｏｕｔ               ｓｈｏｗｉｎｇ               ｔｈｅ               ｍｏｎｅｙ.

Ｔｈｅｙ               ａｃｔｕａｌｌｙ               ｇｉｖｅ               ａ               ｖｉｅｗ               ｏｆ               ｗｈｅｒｅ               ａ               ｃｏｍｐａｎｙ'ｓ               ｍｏｎｅｙ               ｉｓ               ｃｏｍｉｎｇ               ｆｒｏｍ               ａｎｄ               ｗｈｅｒｅ               ｉｔ               ｉｓ               ｇｏｉｎｇ,               ａｎｄ               ｔｈｅ               ｃｕｒｒｅｎｔ               ｓｔａｔｅ               ｏｆ               ｉｔ.

Ｉｎ               ｓａｙｉｎｇ               ｔｈｉｓ,               ａｔ               ｔｈｅ               ｍｉｎｉｍａｌ,               ｔｈｅｒｅ               ａｒｅ               ａｔ               ｌｅａｓｔ               ｆｏｕｒ               ｓｔａｔｅｍｅｎｔｓ               ｔｈａｔ               ａｒｅ               ｃｒｕｃｉａｌ               ｉｎ               ａｎｓｗｅｒｉｎｇ               ｔｈｅ               ｑｕｅｓｔｉｏｎ               ｏｆ               ｔｈｅ               ｃｏｍｐａｎｙ'ｓ               ｓｔａｔｅ               ｏｆ               ｂｅｉｎｇ               ｏｎ               ａ               ｆｉｎａｎｃｉａｌ               ｂａｓｉｓ.

Ｔｈｅｙ               ａｒｅ:               ｂａｌａｎｃｅ               ｓｈｅｅｔｓ,               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔｓ,               ｃａｓｈ               ｆｌｏｗ               ｓｔａｔｅｍｅｎｔｓ,               ａｎｄ               ｓｔａｔｅｍｅｎｔ               ｏｆ               ｔｈｅ               ｓｈａｒｅｈｏｌｄｅｒｓ'               ｅｑｕｉｔｙ.
               Ｂａｌａｎｃｅ               ｓｈｅｅｔｓ               ｃｏｎｓｉｓｔ               ｏｆ               ｔｈｉｎｇｓ               ｓｕｃｈ               ａｓ               ｗｈａｔ               ＳＡＣ               ｏｗｎｓ               ａｎｄ               ｗｈａｔ               ｉｔ               ｏｗｅｓ.

Ｔｏ               ｅｌａｂｏｒａｔｅ               ａ               ｌｉｔｔｌｅ               ｆｕｒｔｈｅｒ,               ｉｔ               ｇｉｖｅｓ               ｍｏｒｅ               ｐｒｅｃｉｓｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｏｎ               ｔｈｅ               ｃｏｍｐａｎｙ'ｓ               ａｓｓｅｔｓ               ｏｒ               ｗｈａｔ               ｉｔ               ｈａｓ               ｆｒｏｍ               ａ               ｖａｌｕｅ               ｓｔａｎｄｐｏｉｎｔ.

Ｔｈｉｓ               ｒａｎｇｅｓ               ｆｒｏｍ               ｐｈｙｓｉｃａｌ               ｉｔｅｍｓ               ｔｏ               ｅｑｕｉｐｍｅｎｔ               ｏｒ               ｉｔｓ               ｉｎｖｅｎｔｏｒｙ.

Ｔｈｉｓ               ｃａｎ               ｅｖｅｎ               ｂｅ               ｉｎｔａｎｇｉｂｌｅ               ｔｈｉｎｇｓ               ｓｕｃｈ               ａｓ               ｔｈｅ               ｃｏｍｐａｎｙ'ｓ               ｔｒａｄｅｍａｒｋｓ               ｏｒ               ｐａｔｅｎｔｓ.

Ｌｉａｂｉｌｉｔｉｅｓ               ａｒｅ               ｄｅｓｃｒｉｂｅｄ               ａｓ               ｗｈａｔ               ｔｈｅ               ｃｏｍｐａｎｙ               ｏｗｅｓ               ｔｏ               ｏｔｈｅｒｓ               (ｉ.ｅ.

ｂａｎｋｓ,               ｒｅｎｔ,               ｓｕｐｐｌｉｅｒｓ,               ｅｍｐｌｏｙｅｒｓ,               ｔａｘｅｓ,               ａｎｄ               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ.

Ｔｏ               ｇｅｔ               ａ               ｂｅｔｔｅｒ               ｕｎｄｅｒｓｔａｎｄｉｎｇ               ｏｆ               ｈｏｗ               ｔｏ               ｃｏｎｓｔｒｕｃｔ               ａ               ｂａｌａｎｃｅ               ｓｈｅｅｔ               ｙｏｕ               ｗｏｕｌｄ               ｕｓｅ               ｔｈｅ               ｆｏｒｍｕｌａ:
               1.

Ａｓｓｅｔｓ=Ｌｉａｂｉｌｉｔｉｅｓ+Ｓｈａｒｅｈｏｌｄｅｒｓ               Ｅｑｕｉｔｙ               Ｔｈｅ               ａｓｓｅｔｓ               ｈａｖｅ               ｔｏ               ｅｑｕａｌ               ｏｒ               ａｔ               ｌｅａｓｔ               ｂａｌａｎｃｅ               ｔｈａｔ               ｏｆ               ｗｈｅｎ               ｔｈｅ               ｌｉａｂｉｌｉｔｉｅｓ               ａｎｄ               ｔｈｅ               ｓｈａｒｅｈｏｌｄｅｒｓ               ｅｑｕｉｔｙ               ａｒｅ               ａｄｄｅｄ               ｕｐ.

Ｔｈｉｓ               ｗｉｌｌ               ｂｅ               ｄｏｎｅ               ｂａｓｉｃａｌｌｙ               ａｔ               ｔｈｅ               ｅｎｄ               ｏｆ               ａ               ｒｅｐｏｒｔｉｎｇ               ｐｅｒｉｏｄ.
               Ｔｈｅｎ               ｔｈｅｒｅ               ｉｓ               ｔｈｅ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔ               ｉｎ               ｗｈｉｃｈ               ｉｔ               ｉｓ               ａ               ｒｅｐｏｒｔ               ｔｈａｔ               ｇｉｖｅｓ               ａ               ｐｉｃｔｕｒｅ               ｏｆ               ｈｏｗ               ｍｕｃｈ               ｔｈｅ               ｃｏｍｐａｎｙ               ｈａｓ               ｅａｒｎｅｄ               ｏｖｅｒ               ａ               ｐｅｒｉｏｄ               ｏｆ               ｔｉｍｅ               (ｉ.ｅ.

ｑｕａｒｔｅｒｓ,               ｓｅｍｉ-ａｎｎｕａｌ,               ｏｒ               ａｎｎｕａｌｌｙ).

Ｉｔ               ｉｓ               ｍａｄｅ               ｕｐ               ｏｆ               ｔｈｅ               ｃｏｓｔｓ               ｏｒ               ｅｘｐｅｎｓｅｓ               ａｃｃｒｕｅｄ               ｏｖｅｒ               ｔｈａｔ               ｇｉｖｅｎ               ｐｅｒｉｏｄ.

Ｔｏ               ｓｕｍ               ｉｔ               ｕｐ,               ｉｔ               ｓｈｏｗｓ               ｔｈｅ               ｃｏｍｐａｎｙ'ｓ               ｌｏｓｓｅｓ               ｏｒ               ｎｅｔ               ｐｒｏｆｉｔｓ.

Ｔｈｉｓ               ｓｔａｔｅｍｅｎｔ               ｉｓ               ｗｈｅｒｅ               ｔｈｅ               ｅａｒｎｉｎｇｓ               ｐｅｒ               ｓｈａｒｅ               ｉｓ               ｒｅｐｏｒｔｅｄ               ａｎｄ               ｔｈｉｓ               ｗｉｌｌ               ｇｉｖｅ               ａｎ               ｉｄｅａ               ｏｆ               ｈｏｗ               ｍｕｃｈ               ｅａｃｈ               ｓｈａｒｅｈｏｌｄｅｒ               ｗｏｕｌｄ               ｇｅｔ               ｉｆ               ｔｈｅ               ｃｏｍｐａｎｙ               ｄｅｃｉｄｅｄ               ｔｏ               ｏｒ               ｈａｄ               ｔｏ               ｐａｙ               ｔｈｅｍ               ｏｕｔ.

Ｉｎ               ｏｒｄｅｒ               ｔｏ               ｄｅｔｅｒｍｉｎｅ               ｔｈｉｓ,               ｙｏｕ               ｓｉｍｐｌｙ               ｔａｋｅ               ｔｈｅ               ｔｏｔａｌ               ｎｅｔ               ｉｎｃｏｍｅ               ｏｆ               ｔｈｅ               ｃｏｍｐａｎｙ               ａｎｄ               ｄｉｖｉｄｅ               ｉｔ               ｂｙ               ｔｈｅ               ｎｕｍｂｅｒ               ｏｆ               ｏｕｔｓｔａｎｄｉｎｇ               ｓｈａｒｅｓ.
               Ｏｎｃｅ               ａｌｌ               ｏｆ               ｔｈｅｓｅ               ｔｈｉｎｇｓ               ｈａｖｅ               ｂｅｅｎ               ｃａｌｃｕｌａｔｅｄ               ａｎｄ               ｌｏｏｋｅｄ               ａｔ,               ｔｈｅ               ｉｎｃｏｍｅ               ｔａｘ               ｉｓ               ｔｈｅ               ｆｉｎａｌ               ｔｈｉｎｇ               ｔｈａｔ               ｉｓ               ｄｅｄｕｃｔｅｄ               ａｎｄ               ｔｈｉｓ               ｌｅａｄｓ               ｔｏ               ｗｈｅｔｈｅｒ               ＳＡＣ               ｈａｓ               ａ               ｎｅｔ               ｐｒｏｆｉｔ               ｏｒ               ｎｅｔ               ｌｏｓｓ               ｄｕｒｉｎｇ               ｔｈｅ               ｐｅｒｉｏｄ.
               Ｔｈｅ               ｔｈｉｒｄ               ｓｔａｔｅｍｅｎｔ               ｉｓ               ｔｈｅ               ｃａｓｈ               ｆｌｏｗ               ｓｔａｔｅｍｅｎｔ               ｗｈｉｃｈ               ｄｅａｌｓ               ｗｉｔｈ               ＳＡＣ'ｓ               ｍｏｎｅｙ               ｔｈａｔ               ｉｓ               ｆｌｏｗｉｎｇ               ｉｎ               ａｎｄ               ｔｈｅ               ｍｏｎｅｙ               ｆｌｏｗｉｎｇ               ｏｕｔ               ｏｆ               ｔｈｅ               ｃｏｍｐａｎｙ.

Ｉｔｓ               ｉｍｐｏｒｔａｎｃｅ               ｉｓ               ｔｈａｔ               ｔｈｅ               ｃａｓｈｆｌｏｗ               ｓｔａｔｅｍｅｎｔ               ｓｈｏｗｓ               ｉｔ               ｏｒ               ｎｏｔ               ｉｆ               ａ               ｃｏｍｐａｎｙ               ａｃｔｕａｌｌｙ               ｇｅｎｅｒａｔｅｄ               ａｎｙ               ｃａｓｈ.

Ｃａｓｈ               ｆｌｏｗ               ｓｔａｔｅｍｅｎｔｓ               ｌｏｏｋ               ａｔ               ｔｈｒｅｅ               ｄｉｆｆｅｒｅｎｔ               ａｃｔｉｖｉｔｉｅｓ               ｗｈｉｃｈ               ａｒｅ:               ｉｔｓ               ｏｐｅｒａｔｉｎｇ               ａｃｔｉｖｉｔｉｅｓ,               ｉｎｖｅｓｔｉｎｇ               ａｃｔｉｖｉｔｉｅｓ,               ａｎｄ               ｉｔｓ               ｆｉｎａｎｃｉｎｇ               ａｃｔｉｖｉｔｉｅｓ.
               Ｔｈｅ               ｆｏｕｒｔｈ               ｓｔａｔｅｍｅｎｔ               ｉｓ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔ               ｒａｔｉｏｓ.

Ｉｔ               ｃｏｎｓｉｓｔｓ               ｏｆ               ｎｕｍｅｒｏｕｓ               ｒａｔｉｏｓ               (ｉ.ｅ.

ｄｅｂｔ               ｔｏ               ｅｑｕｉｔｙ,               ｉｎｖｅｎｔｏｒｙ               ｔｕｒｎｏｖｅｒ,               ｏｐｅｒａｔｉｎｇ               ｍａｒｇｉｎ,               ｐｒｉｃｅ               ｔｏ               ｅｑｕｉｔｙ               ｒａｔｉｏ,               ａｎｄ               ｐｒｉｃｅ               ｔｏ               ｅｑｕｉｔｙ               ｒａｔｉｏ).
               Ｔｈｅ               ｃａｌｃｕｌａｔｉｏｎｓ               ｔｈａｔ               ｙｏｕ               ｕｓｅ               ｔｏ               ｄｅｔｅｒｍｉｎｅ               ｈｏｗ               ｔｈｅｓｅ               ｒａｔｉｏｓ               ｗｉｌｌ               ｂｅ               ｃａｌｃｕｌａｔｅｄ               ａｒｅ               ｌｉｓｔｅｄ               ｂｅｌｏｗ:
               1.

Ｄｅｂｔ-ｔｏ-Ｅｑｕｉｔｙ               Ｒａｔｉｏ:               Ｄｅｂｔ-ｔｏ-Ｅｑｕｉｔｙ               =               Ｔｏｔａｌ               Ｌｉａｂｉｌｉｔｉｅｓ               /               Ｓｈａｒｅｈｏｌｄｅｒｓ'               Ｅｑｕｉｔｙ
               Ｔｈｅ               ｄｅｂｔ               ｔｏ               ｅｑｕｉｔｙ               ｒａｔｉｏ               ｃｏｍｐａｒｅｓ               ａ               ｃｏｍｐａｎｙ'ｓ               ｔｏｔａｌ               ｄｅｂｔ               ｔｏ               ｓｈａｒｅｈｏｌｄｅｒｓ'               ｅｑｕｉｔｙ.

Ｔｈｅｓｅ               ｎｕｍｂｅｒｓ               ａｃｔｕａｌｌｙ               ａｒｅ               ｆｏｕｎｄ               ｏｎ               ａ               ｃｏｍｐａｎｙ'ｓ               ｂａｌａｎｃｅ               ｓｈｅｅｔ               ａｎｄ               ｉｓ               ｃａｌｃｕｌａｔｅｄ               ｂｙ               ｄｉｖｉｄｉｎｇ               ａ               ｃｏｍｐａｎｙ'ｓ               ｔｏｔａｌ               ｌｉａｂｉｌｉｔｉｅｓ               ｂｙ               ｉｔｓ               ｓｈａｒｅｈｏｌｄｅｒ               ｅｑｕｉｔｙ.
               2.

Ｉｎｖｅｎｔｏｒｙ               Ｔｕｒｎｏｖｅｒ:               Ｉｎｖｅｎｔｏｒｙ               Ｔｕｒｎｏｖｅｒ               Ｒａｔｉｏ               =               Ｃｏｓｔ               ｏｆ               Ｓａｌｅｓ               /               Ａｖｅｒａｇｅ               Ｉｎｖｅｎｔｏｒｙ               ｆｏｒ               ｔｈｅ               ｐｅｒｉｏｄ
               Ｔｈｉｓ               ｃａｌｃｕｌａｔｉｏｎ               ｃｏｍｐａｒｅｓ               ａ               ｃｏｍｐａｎｙ'ｓ               ｃｏｓｔ               ｏｆ               ｓａｌｅｓ               ｏｎ               ｉｔｓ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔ               ｗｉｔｈ               ｉｔｓ               ａｖｅｒａｇｅ               ｉｎｖｅｎｔｏｒｙ               ｂａｌａｎｃｅ               ｆｏｒ               ｔｈｅ               ｐｅｒｉｏｄ.

Ｔｏ               ｃａｌｃｕｌａｔｅ               ｔｈｅ               ａｖｅｒａｇｅ               ｉｎｖｅｎｔｏｒｙ               ｂａｌａｎｃｅ               ｆｏｒ               ｔｈｅ               ｐｅｒｉｏｄ,               ｌｏｏｋ               ａｔ               ｔｈｅ               ｉｎｖｅｎｔｏｒｙ               ｎｕｍｂｅｒｓ               ｌｉｓｔｅｄ               ｏｎ               ｔｈｅ               ｂａｌａｎｃｅ               ｓｈｅｅｔ.

Ｔａｋｅ               ｔｈｅ               ｂａｌａｎｃｅ               ｌｉｓｔｅｄ               ｆｏｒ               ｔｈｅ               ｐｅｒｉｏｄ               ｏｆ               ｔｈｅ               ｒｅｐｏｒｔ               ａｎｄ               ａｄｄ               ｉｔ               ｔｏ               ｔｈｅ               ｂａｌａｎｃｅ               ｌｉｓｔｅｄ               ｆｏｒ               ｔｈｅ               ｐｒｅｖｉｏｕｓ               ｃｏｍｐａｒａｂｌｅ               ｐｅｒｉｏｄ,               ａｎｄ               ｔｈｅｎ               ｄｉｖｉｄｅ               ｂｙ               ｔｗｏ.

Ｉｎ               ｃａｌｃｕｌａｔｉｎｇ               ｔｈｅ               ｉｎｖｅｎｔｏｒｙ               ｔｕｒｎｏｖｅｒ               ｒａｔｉｏ,               ｙｏｕ               ｄｉｖｉｄｅ               ａ               ｃｏｍｐａｎｙ'ｓ               ｃｏｓｔ               ｏｆ               ｓａｌｅｓ               ｂｙ               ｔｈｅ               ａｖｅｒａｇｅ               ｉｎｖｅｎｔｏｒｙ               ｆｏｒ               ａ               ｐａｒｔｉｃｕｌａｒ               ｐｅｒｉｏｄ.
               3.

Ｏｐｅｒａｔｉｎｇ               Ｍａｒｇｉｎ:               Ｏｐｅｒａｔｉｎｇ               Ｍａｒｇｉｎ               =               Ｉｎｃｏｍｅ               ｆｒｏｍ               Ｏｐｅｒａｔｉｏｎｓ               /               Ｎｅｔ               Ｒｅｖｅｎｕｅｓ
               Ｔｈｅ               ｏｐｅｒａｔｉｎｇ               ｍａｒｇｉｎ               ｃｏｍｐａｒｅｓ               ａ               ｃｏｍｐａｎｙ'ｓ               ｏｐｅｒａｔｉｎｇ               ｉｎｃｏｍｅ               ｔｏ               ｎｅｔ               ｒｅｖｅｎｕｅｓ.

Ｔｈｅｓｅ               ｎｕｍｂｅｒｓ               ａｒｅ               ｆｏｕｎｄ               ｏｎ               ａ               ｃｏｍｐａｎｙ'ｓ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔ               ａｎｄ               ｉｓ               ｃａｌｃｕｌａｔｅｄ               ｂｙ               ｄｉｖｉｄｉｎｇ               ａ               ｃｏｍｐａｎｙ'ｓ               ｉｎｃｏｍｅ               ｆｒｏｍ               ｏｐｅｒａｔｉｏｎｓ               (ｂｅｆｏｒｅ               ｉｎｔｅｒｅｓｔ               ａｎｄ               ｉｎｃｏｍｅ               ｔａｘ               ｅｘｐｅｎｓｅｓ)               ｂｙ               ｉｔｓ               ｎｅｔ               ｒｅｖｅｎｕｅｓ.
               4.

Ｐｒｉｃｅ               ｔｏ               Ｅｑｕｉｔｙ               Ｒａｔｉｏ:
               Ｐ/Ｅ               Ｒａｔｉｏ               =               Ｐｒｉｃｅ               ｐｅｒ               Ｓｈａｒｅ               /               Ｅａｒｎｉｎｇｓ               ｐｅｒ               Ｓｈａｒｅ
               Ｔｈｅ               Ｐ/Ｅ               ｒａｔｉｏ               ｃｏｍｐａｒｅｓ               ａ               ｃｏｍｐａｎｙ'ｓ               ｃｏｍｍｏｎ               ｓｔｏｃｋ               ｐｒｉｃｅ               ｗｉｔｈ               ｉｔｓ               ｅａｒｎｉｎｇｓ               ｐｅｒ               ｓｈａｒｅ.

Ｔｈｉｓ               ｉｓ               ｃａｌｃｕｌａｔｅｄ               ｂｙ               ｄｉｖｉｄｉｎｇ               ａ               ｃｏｍｐａｎｙ'ｓ               ｓｔｏｃｋ               ｐｒｉｃｅ               ｂｙ               ｉｔｓ               ｅａｒｎｉｎｇｓ               ｐｅｒ               ｓｈａｒｅ.
               5.

Ｗｏｒｋｉｎｇ               Ｃａｐｉｔａｌ:               Ｗｏｒｋｉｎｇ               Ｃａｐｉｔａｌ               =               Ｃｕｒｒｅｎｔ               Ａｓｓｅｔｓ               -               Ｃｕｒｒｅｎｔ               Ｌｉａｂｉｌｉｔｉｅｓ
               Ｔｈｅ               ｗｏｒｋｉｎｇ               ｃａｐｉｔａｌ               ｉｓ               ｔｈｅ               ｍｏｎｅｙ               ｔｈａｔ               ｉｓ               ｌｅｆｔｏｖｅｒ               ｉｆ               ａ               ｃｏｍｐａｎｙ               ｄｅｃｉｄｅ               ｔｏ               ｐａｙ               ｉｔｓ               ｃｕｒｒｅｎｔ               ｌｉａｂｉｌｉｔｉｅｓ               ｏｒ               ｄｅｂｔｓ               ｄｕｅ               ｗｉｔｈｉｎ               ｏｎｅ-ｙｅａｒ               ｏｆ               ｔｈｅ               ｄａｔｅ               ｏｆ               ｔｈｅ               ｂａｌａｎｃｅ               ｓｈｅｅｔ)               ｆｒｏｍ               ｉｔｓ               ｃｕｒｒｅｎｔ               ａｓｓｅｔｓ.
               Ｔｏ               ｂｒｉｎｇ               ａｌｌ               ｏｆ               ｔｈｅ               ｓｔａｔｅｍｅｎｔｓ               ｔｏｇｅｔｈｅｒ,               ｔｈｅｙ               ａｒｅ               ａｌｌ               ｐｒｅｔｔｙ               ｍｕｃｈ               ｒｅｌａｔｅｄ               ｉｎ               ａ               ｓｅｎｓｅ.

Ｃｈａｎｇｅｓ               ｔｈａｔ               ｃａｎ               ｂｅ               ｓｅｅｎ               ｉｎ               ａｓｓｅｔｓ               ａｎｄ               ｌｉａｂｉｌｉｔｉｅｓ               ａｒｅ               ｗｈａｔ               ｙｏｕ               ｗｉｌｌ               ｓｅｅ               ｏｎ               ｔｈｅ               ｂａｌａｎｃｅ               ｓｈｅｅｔ               ａｎｙｗａｙ               ａｎｄ               ｔｈｏｓｅ               ｔｈｅｎ               ｗｉｌｌ               ｂｅ               ｒｅｆｌｅｃｔｅｄ               ｉｎ               ｔｈｅ               ｒｅｖｅｎｕｅｓ               ａｎｄ               ｅｘｐｅｎｓｅｓ               ｔｈａｔ               ｗｉｌｌ               ｂｅ               ｓｅｅｎ               ｏｎ               ｔｈｅ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔ.

Ｔｈｉｓ               ｉｎ               ｅｓｓｅｎｃｅ               ｗｉｌｌ               ｒｅｓｕｌｔ               ｉｎ               ｔｈｅ               ｃｏｍｐａｎｙ'ｓ               ｇａｉｎｓ               ｏｒ               ｌｏｓｓｅｓ.

Ｔｈｅｎ               ａｓ               ｆｏｒ               ｃａｓｈ               ｆｌｏｗｓ,               ｔｈｅｙ               ｐｒｏｖｉｄｅ               ｍｏｒｅ               ｉｎｆｏｒｍａｔｉｏｎ               ａｂｏｕｔ               ｃａｓｈ               ａｓｓｅｔｓ               ｔｈａｔ               ａｒｅ               ｌｉｓｔｅｄ               ｏｎ               ａ               ｂａｌａｎｃｅ               ｓｈｅｅｔ               ａｌｓｏ.

Ｃａｓｈ               ｆｌｏｗ               ｓｔａｔｅｍｅｎｔｓ               ａｒｅ,               ａｓ               Ｉ               ｓａｉｄ               ｖｅｒｙ               ｍｕｃｈ               ｌｉｓｔｅｄ               ｏｎ               ｔｈｅ               ｂａｌａｎｃｅ               ｓｈｅｅｔ               ｂｕｔ               ａｒｅ               ｎｏｔ               ａｓ               ｍｕｃｈ               ｓｏ               ｒｅｌａｔｅｄ               ｏｒ               ｅｑｕｉｖａｌｅｎｔ               ｔｏ               ｔｈｅ               ｎｅｔ               ｉｎｃｏｍｅ               ｔｈａｔ               ｉｓ               ｓｈｏｗｎ               ｏｎ               ａ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔ.

Ｓｏ,               ａｌｔｈｏｕｇｈ               ａｌｌ               ｏｆ               ｔｈｅｓｅ               ｓｔａｔｅｍｅｎｔｓ               ａｒｅ               ｖｅｒｙ               ｃｒｕｃｉａｌ               ｉｎ               ｄｅｔｅｒｍｉｎｉｎｇ               ｔｈｅ               ｗｈｏｌｅ               ｃｏｎｇｌｏｍｅｒａｔｅ               ｏｆ               ａ               ｃｏｍｐａｎｙ,               ｊｕｓｔ               ｏｎｅ               ｓｔａｔｅｍｅｎｔ               ｂｙ               ｉｔｓｅｌｆ               ｄｏｅｓ               ｎｏｔ               ｃｏｍｐｌｅｔｅ               ｔｈｅ               ｐｒｏｃｅｓｓ.

Ｉｔ               ｔａｋｅｓ               ａｌｌ               ｏｆ               ｔｈｅｍ               ｔｏ               ｔｅｌｌ               ｔｈｅ               ｗｈｏｌｅ               ｓｔｏｒｙ               ａｎｄ               ｗｈｅｎ               ｔｈｅｙ               ａｒｅ               ｃｏｍｂｉｎｅｄ,               ｔｈｅｙ               ｐｒｏｖｉｄｅ               ｖｅｒｙ               ｐｏｗｅｒｆｕｌ               ｉｎｆｏｒｍａｔｉｏｎ               ｆｏｒ               ｔｈｅ               ｃｏｍｐａｎｙ.
               Ｈｏｗ               ｗｉｌｌ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｔｈａｔ               ｙｏｕ               ｐｒｏｖｉｄｅ               ｏｎ               ａ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔ               ｂｅ               ｕｓｅｄ               ｂｙ               ｔｈｅ               ｍａｎａｇｅｍｅｎｔ               ｔｅａｍ?
               Ｉｎｆｏｒｍａｔｉｏｎ               ｔｈａｔ               ｉｓ               ｃａｌｃｕｌａｔｅｄ               ｏｎ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ｈａｖｅ               ｎｕｍｅｒｏｕｓ               ｐｕｒｐｏｓｅｓ               ａｎｄ               ｃａｎ               ｂｅ               ｕｓｅｄ               ｂｙ               ｄｉｆｆｅｒｅｎｔ               ｐｅｏｐｌｅ               ｒａｎｇｉｎｇ               ｆｒｏｍ               ｏｗｎｅｒｓ               ａｎｄ               ｍａｎａｇｅｒｓ,               ｔｏ               ｔｈａｔ               ｏｆ               ｔｈｅ               ｅｍｐｌｏｙｅｅｓ.

Ｔｈｉｓ               ｉｎ               ｅｓｓｅｎｃｅ               ｆｒｏｍ               ｔｈｅ               ｖｉｅｗ               ｏｆ               ｔｈｅ               ｍａｎａｇｅｒｓ,               ｔｈｅｙ               ｎｅｅｄ               ｔｈｉｓ               ｉｎｆｏｒｍａｔｉｏｎ               ｔｏ               ｍａｋｅ               ｂｕｓｉｎｅｓｓ               ｄｅｃｉｓｉｏｎｓ               ａｓ               ｉｔ               ｒｅｌａｔｅｓ               ｔｏ               ｔｈｅ               ｃｏｍｐａｎｙ               ａｎｄ               ｉｔｓ               ｂｕｓｉｎｅｓｓ               ｏｐｅｒａｔｉｏｎｓ.

Ａｎ               ａｎａｌｙｓｉｓ               ｉｓ               ｄｏｎｅ               ｔｏ               ｇｉｖｅ               ｔｈｅｍ               ｍｏｒｅ               ｄｅｔａｉｌｅｄ               ｉｎｆｏｒｍａｔｉｏｎ               ａｂｏｕｔ               ｔｈｅ               ｆｉｇｕｒｅｓ               ｔｈａｔ               ｗｅｒｅ               ｃａｌｃｕｌａｔｅｄ.

Ｔｈｉｓ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｓ               ｄｅｆｉｎｉｔｅｌｙ               ｕｓｅｄ               ａｓ               ａ               ｍａｊｏｒ               ｐａｒｔ               ｏｆ               ｔｈｅ               ａｎｎｕａｌ               ｒｅｐｏｒｔ               ｔｈａｔ               ｔｈｅ               ｍａｎａｇｅｍｅｎｔ               ｔｅａｍ               ｗｉｌｌ               ｇｉｖｅ               ｔｏ               ｔｈｅ               ｓｔｏｃｋｈｏｌｄｅｒｓ.

Ｔｈｅｙ               ｕｓｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｆｒｏｍ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔｓ               ｆｏｒ               ｔｈｅ               ｐｕｒｐｏｓｅｓ               ｏｆ               ｈｉｒｉｎｇ               ｎｅｗ               ｅｍｐｌｏｙｅｅｓ.

Ｏｔｈｅｒ               ｔｈｉｎｇｓ               ｔｈａｔ               ｍａｎａｇｅｒｓ               ａｒｅ               ｃｏｎｃｅｒｎｅｄ               ｗｉｔｈ               ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｏ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ａｒｅ               ｔｈａｔ               ｉｔ               ｗｉｌｌ               ｔｅｌｌ               ｔｈｅｍ               ｉｆ               ｔｈｅｙ               ｃａｎ               ａｆｆｏｒｄ               ｎｅｗ               ｅｑｕｉｐｍｅｎｔ               ｏｒ               ｏｔｈｅｒ               ｏｐｅｒａｔｉｎｇ               ｅｘｐｅｎｓｅｓ               ａｎｄ               ｅｖｅｎ               ｗｈｅｒｅ               ｔｈｅｙ               ｎｅｅｄ               ｔｏ               ｃｕｔ               ｅｘｐｅｎｓｅｓ               ｉｆ               ｔｈｅ               ｐｒｏｆｉｔ               ｆｏｒ               ｔｈｅ               ｃｏｍｐａｎｙ               ｉｓ               ｒｅｌａｔｉｖｅｌｙ               ｌｏｗ.
               Ｈｏｗ               ｗｉｌｌ               ｉｔ               ｈｅｌｐ               ｔｈｅｍ               ｍａｎａｇｅ               ｔｈｅ               ｅｎｔｅｒｐｒｉｓｅ?
               Ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｏ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ,               ｔｈｅｙ               ａｒｅ               ｖｅｒｙ               ｃｒｕｃｉａｌ               ｉｎ               ｍａｎｙ               ｗａｙｓ.

Ｉｎ               ｆａｃｔ,               ｃｒｅａｔｉｎｇ               ｒｅｇｕｌａｒ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ｗｉｌｌ               ｈｅｌｐ               ｔｏ               ｋｅｅｐ               ａｎ               ａｃｃｕｒａｔｅ               ｃｏｕｎｔ               ｏｎ               ｔｈｅ               ｐｒｏｇｒｅｓｓ               ｏｆ               ｔｈｅ               ｃｏｍｐａｎｙ.

Ａｓ               Ｉ               ｌｉｓｔｅｄ               ｅａｒｌｉｅｒ,               ｔｈｅ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔｓ               ａｎｄ               ｃａｓｈ               ｆｌｏｗ               ｓｈｅｅｔｓ               ａｒｅ               ｄｅｔｒｉｍｅｎｔａｌ               Ｉ               ｔｈｅ               ｐｒｏｃｅｓｓ.

Ｂｙ               ｍａｉｎｔａｉｎｉｎｇ               ａｃｃｕｒａｔｅ               ｒｅｃｏｒｄｓ,               ｉｔ               ｈｅｌｐｓ               ｔｈｅ               ｃｏｍｐａｎｙ               ｔｏ               ｋｎｏｗ               ｔｈｅ               ｔｒｅｎｄｓ               ｉｎ               ｔｈｅｉｒ               ｓａｌｅｓ               ａｎｄ               ｅｘｐｅｎｄｉｔｕｒｅｓ               ｓｏ               ｔｈａｔ               ｉｆ               ｐｒｏｂｌｅｍｓ               ｗｅｒｅ               ｔｏ               ａｒｉｓｅ,               ｔｈｅｙ               ｃａｎ               ｈａｎｄｌｅ               ｔｈｅ               ｉｓｓｕｅｓ               ｂｅｆｏｒｅ               ｔｈｅｙ               ｇｅｔ               ｔｏ               ｄｉｆｆｉｃｕｌｔ               ｔｏ               ｍａｎａｇｅ               ｆｒｏｍ               ａ               ｆｉｎａｎｃｉａｌ               ｓｔａｎｄｐｏｉｎｔ.
               Ｗｈａｔ               ａｒｅ               ｔｈｅ               ｌｉｍｉｔａｔｉｏｎｓ               ｏｆ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｒｅｇａｒｄｉｎｇ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ｔｈａｔ               ｙｏｕ               ｐｒｏｖｉｄｅ               ｔｏ               ｔｈｅ               ｍａｎａｇｅｍｅｎｔ               ｔｅａｍ?

               Ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ｈａｖｅ               ｎｕｍｅｒｏｕｓ               ｌｉｍｉｔａｔｉｏｎｓ               ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｈｅ               ｄａｔａ               ｔｈａｔ               ｗｉｌｌ               ｂｅ               ｇｉｖｅｎ               ｔｏ               ｍａｎａｇｅｍｅｎｔ.

Ｉｔ               ｉｓ               ｅｖｉｄｅｎｔ               ｔｈａｔ               ｔｈｅｓｅ               ｓｔａｔｅｍｅｎｔｓ               ａｒｅ               ｂａｓｉｃａｌｌｙ               ｂａｓｅｄ               ｏｎ               ｆａｃｔｏｒｓ               ｔｈａｔ               ａｒｅ               ｈｉｓｔｏｒｉｃａｌ               Ｉ               ｎａｔｕｒｅ.

Ｔｈｅ               ｆｉｒｓｔ               ｔｈｉｎｇ               ｔｈａｔ               ｌｉｍｉｔｓ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ｉｓ               ｔｈａｔ               ｓｏｍｅｔｉｍｅｓ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｐｏｓｉｔｉｏｎ               ｏｆ               ａ               ｃｏｍｐａｎｙ               ｔｈａｔ               ｉｓ               ｄｉｓｃｌｏｓｅｄ               ｉｓ               ｎｏｔ               ｃｏｒｒｅｃｔ               ｏｒ               ａｃｃｕｒａｔｅ               ｓｉｍｐｌｙ               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｅｎｄ               ｕｐ               ｌｅａｖｉｎｇ               ｓｏｍｅ               ｏｆ               ｔｈｅ               ｅｃｏｎｏｍｉｃ               ｏｒ               ｆｉｎａｎｃｉａｌ               ｆａｃｔｏｒｓ               ｏｆｆ               ｏｆ               ｔｈｅ               ｓｔａｔｅｍｅｎｔ.

Ｉｎ               ｆａｃｔ,               ｉｔ               ｍａｙ               ｂｅ               ｔｈａｔ               ｓｏｍｅ               ｏｆ               ｔｈｅ               ｓｏｃｉａｌ,               ｅｃｏｎｏｍｉｃ,               ｏｒ               ｆｉｎａｎｃｉａｌ               ｆａｃｔｏｒｓ               ｔｈａｔ               ａｒｅ               ｔｒｕｌｙ               ｗｈａｔ               ａｒｅ               ａｆｆｅｃｔｉｎｇ               ｔｈｅ               ｃｏｍｐａｎｙ.

Ｔｈｅ               ｓｅｃｏｎｄ               ｔｈｉｎｇ               ｉｓ               ｔｈａｔ               ｔｈｅ               ｐｒｏｆｉｔｓ               ｔｈａｔ               ｇｅｔ               ｒｅｖｅａｌｅｄ               ｏｎ               ｔｈｅ               ｐｒｏｆｉｔ               ａｎｄ               ｌｏｓｓ               ｓｔａｔｅｍｅｎｔ               ｒｅａｌｌｙ               ｄｏｅｓｎ'ｔ               ｃｌｉｃｋ               ｉｎ               ａ               ｓｅｎｓｅ               ｗｉｔｈ               ｔｈｅ               ｂａｌａｎｃｅ               ｓｈｅｅｔ.

(Ｉｎｄｅｐｅｎｄｅｎｔ,               ＬＬＣ.,               2011).
               Ｔｈｅｒｅ               ｉｓ               ｌｉｍｉｔａｔｉｏｎ               ａｓ               ｗｅｌｌ               ｂｅｃａｕｓｅ               ｔｈｅｒｅ               ｉｓ               ａ               ｐｅｒｓｏｎａｌ               ｊｕｄｇｅｍｅｎｔ               ｉｓｓｕｅ               ｏｎ               ｔｈｅ               ｂｅｈａｌｆ               ｏｆ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ａｎａｌｙｓｔ.

Ｔｈｅｓｅ               ｔｈｉｎｇｓ               ｔｈａｔ               ａｒｅ               ｏｆ               ｉｓｓｕｅ               ａｒｅ               ｔｈｉｎｇｓ               ｓｕｃｈ               ａｓ:               ｂａｄ               ｄｅｂｔ               ｐｒｏｖｉｓｉｏｎｓ,               ｓｔｏｃｋ               ｖａｌｕａｔｉｏｎ,               ｏｒ               ａ               ｐｒｏｖｉｓｉｏｎ               ｏｆ               ｄｅｐｒｅｃｉａｔｉｏｎ.

Ａｓ               Ｉ               ｓａｉｄ,               ａｌｌ               ｏｆ               ｔｈｅｓｅ               ｔｈｉｎｇｓ               ａｒｅ               ｂａｓｉｃａｌｌｙ               ｌｅｆｔ               ｏｎ               ｈｉｓ               ｓｈｏｕｌｄｅｒｓ               ｔｏ               ｍａｋｅ               ｔｈｅ               ｎｅｃｅｓｓａｒｙ               ｃａｌｌ.

Ａｎｏｔｈｅｒ               ｔｈｉｎｇ               ｔｈａｔ               ｉｓ               ａ               ｌｉｍｉｔｉｎｇ               ｆａｃｔｏｒ               ｉｓ               ｔｈａｔ               ｏｎ               ｔｈｅ               ｉｎｃｏｍｅ               ｓｔａｔｅｍｅｎｔ,               ｉｔ               ｍａｙ               ｎｏｔ               ｄｉｓｃｌｏｓｅ               ｔｈｅ               ｔｒｕｅ               ｉｎｃｏｍｅ               ｏｆ               ｔｈｅ               ｂｕｓｉｎｅｓｓ               ｂｅｃａｕｓｅ               ｏｆ               ｔｈｅ               ｆａｃｔ               ｔｈａｔ               ｓｏｍｅ               ｐｒｏｂａｂｌｅ               ｌｏｓｓｅｓ               ｗｅｒｅ               ｃｏｎｓｉｄｅｒｅｄ               ｗｈｉｌｅ               ｔｈｅ               ｐｒｏｂａｂｌｙ               ｉｎｃｏｍｅｓ               ｗｅｒｅ               ｉｇｎｏｒｅｄ.

Ｔｈｅｎ               ｔｈｅｒｅ               ｉｓ               ｔｈｅ               ｆａｃｔ               ｔｈａｔ               ｆｉｘｅｄ               ａｓｓｅｔｓ               ｇｅｔ               ｓｈｏｗｎ               ａｔ               ｃｏｓｔ               ｌｅｓｓ               ｄｅｐｒｅｃｉａｔｉｏｎ               ｏｎ               ｔｈｅ               ｂａｓｉｓ               ｏｆ               ｊｕｓｔ               ｗｈａｔ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ａｎａｌｙｓｔ               ｔｈｏｕｇｈｔ               ｗａｓ               ｔｈｅ               ｒｉｇｈｔ               ｔｈｉｎｇ               ｔｏ               ｄｏ.

(Ｉｎｄｅｐｅｎｄｅｎｔ,               ＬＬＣ.,               2011).

Ｗｉｔｈ               ｔｈａｔ               ｂｅｉｎｇ               ｓａｉｄ,               ｗｅ               ａｌｌ               ｕｎｄｅｒｓｔａｎｄ               ｔｈａｔ               ｗｅ               ａｒｅ               ｈｕｍａｎ               ａｎｄ               ａｒｅ               ｖｅｒｙ               ｐｒｏｎｅ               ｔｏ               ｍａｋｉｎｇ               ｍｉｓｔａｋｅｓ               ａｔ               ａｎｙ               ｇｉｖｅｎ               ｔｉｍｅ.
               Ｈｏｗ               ｃａｎ               ｔｈｅ               ｍａｎａｇｅｍｅｎｔ               ｔｅａｍ               ｅｎｓｕｒｅ               ｔｈａｔ               ｔｈｅｙ               ｏｂｔａｉｎ               ａ               ｃｏｍｐｌｅｔｅ               ｐｉｃｔｕｒｅ               ｏｆ               ｔｈｅ               ｅｎｔｅｒｐｒｉｓｅ?
               Ｉｎ               ｍｙ               ｏｐｉｎｉｏｎ,               Ｉ               ｔｈｉｎｋ               ｔｈａｔ               ａ               ｃｏｍｐａｎｙ'ｓ               ｍａｎａｇｅｍｅｎｔ               ｔｅａｍ               ｃａｎ               ｇｅｔ               ａ               ｗｅｌｌ               ｒｏｕｎｄｅｄ               ｖｉｅｗ               ｏｆ               ｈｏｗ               ｗｅｌｌ               ｔｈｅ               ｃｏｍｐａｎｙ               ｉｓ               ｄｏｉｎｇ               ｆｉｒｓｔ               ｂｙ               ｍａｋｉｎｇ               ｓｕｒｅ               ｔｈａｔ               ａｌｌ               ｏｆ               ｔｈｅｉｒ               ｆｉｎａｎｃｉａｌ               ｓｔａｔｅｍｅｎｔｓ               ａｒｅ               ｃｏｒｒｅｃｔ               ａｎｄ               ａｃｃｕｒａｔｅ               ｓｏ               ｔｈａｔ               ｔｈｅｒｅ               ａｒｅ               ｎｏ               ｄｉｓｃｒｅｐａｎｃｉｅｓ               ｏｒ               ｃｏｎｆｌｉｃｔｓ               ｔｈａｔ               ｗｏｕｌｄ               ｃａｕｓｅ               ｔｈｅｍ               ｔｏ               ｌｏｓｅ               ｃｒｅｄｉｂｉｌｉｔｙ               ｉｎ               ｔｈｅ               ｅｙｅｓ               ｏｆ               ｔｈｅｉｒ               ｅｍｐｌｏｙｅｅｓ,               ｓｔｏｃｋｈｏｌｄｅｒｓ               ａｎｄ               ｔｈｅ               ｌｉｋｅ.

Ｔｈｅｎ               ａｎｏｔｈｅｒ               ｔｈｉｎｇ               ｔｈａｔ               ｗｉｌｌ               ｈｅｌｐ               ｔｏ               ｅｎｓｕｒｅ               ｔｈｉｓ               ｉｓ               ｔｈａｔ               ｔｈｅｙ               ｓｈｏｕｌｄ               ｄｅｆｉｎｉｔｅｌｙ               ｌｉｓｔｅｎ               ｔｏ               ｔｈｅ               ｃｏｎｃｅｒｎｓ               ｏｆ               ｔｈｅ               ｐｅｏｐｌｅ
               (ｉ.ｅ.

ｃｕｓｔｏｍｅｒｓ)               ｗｈｅｔｈｅｒ               ｔｈｅｙ               ａｒｅ               ｉｎｔｅｒｎａｌ               ｏｒ               ｅｘｔｅｒｎａｌ.

Ｂｅｃａｕｓｅ               ｉｆ               ｔｈｅ               ｃｏｍｐａｎｙ               ｈａｓ               ａ               ｇｏｏｄ               ｃｕｌｔｕｒｅ               ａｎｄ               ｔｈｅ               ｅｍｐｌｏｙｅｅｓ,               ｓｈａｒｅｈｏｌｄｅｒｓ,               ａｎｄ               ｏｗｎｅｒｓ               ａｒｅ               ｈａｐｐｙ,               ｔｈｅｎ               ｔｈｉｓ               ｅｎｓｕｒｅｓ               ｔｈａｔ               ｅｖｅｒｙｔｈｉｎｇ               ｉｓ               ｆｉｎｅ               ａｎｄ               ｏｋａｙ               ｗｉｔｈｉｎ               ｔｈｅ               ｃｏｍｐａｎｙ.
               Ｒｅｆｅｒｅｎｃｅｓ:
               Ｉｎｄｅｐｅｎｄｅｎｔ               Ｓｔｏｃｋ               Ｉｎｖｅｓｔｉｎｇ,               ＬＬＣ.,               (2011).

Ｗｈａｔ               ａｒｅ               ｔｈｅ               Ｌｉｍｉｔａｔｉｏｎｓ               ｏｆ               Ｆｉｎａｎｃｉａｌ               Ｓｔａｔｅｍｅｎｔｓ.

Ｒｅｔｒｉｅｖｅｄ               ｏｎ               Ａｕｇｕｓｔ               19,               2011               ｆｒｏｍ               ｈｔｔｐ://ｗｗｗ.ｉｎｄｅｐｅｎｄｅｎｔ-ｓｔｏｃｋ-ｉｎｖｅｓｔｉｎｇ.ｃｏｍ/Ｌｉｍｉｔａｔｉｏｎｓ-Ｏｆ-Ｆｉｎａｎｃｉａｌ-Ｓｔａｔｅｍｅｎｔｓ.ｈｔｍｌ
               Ｌｏｔｈ,               Ｒｉｃｈａｒｄ,               (2011).

Ｔｈｉｎｇｓ               ｔｈａｔ               Ｙｏｕ               Ｓｈｏｕｌｄ               ｋｎｏｗ               Ａｂｏｕｔ               Ｆｉｎａｎｃｉａｌ               Ｓｔａｔｅｍｅｎｔｓ.

Ｒｅｔｒｉｅｖｅｄ               ｏｎ               Ａｕｇｕｓｔ               19,               2011               ｆｒｏｍ               ｈｔｔｐ://ｗｗｗ.ｉｎｖｅｓｔｏｐｅｄｉａ.ｃｏｍ/ｂａｓｉｃｓ/ｆｉｎａｎｃｉａｌｒｅｐｏｒｔ
               Ｐｌａｎｖｉｅｗ,               Ｉｎｃ.,               (2011).

Ｍａｎａｇｅｍｅｎｔ.

Ｒｅｔｒｉｅｖｅｄ               ｏｎ               Ａｕｇｕｓｔ               20,               2011               ｆｒｏｍ               ｈｔｔｐ://ｗｗｗ.ｐｌａｎｖｉｅｗ.ｃｏｍ/ｐｒｏｄｕｃｔｓ/ｅｎｔｅｒｐｒｉｓｅ/ｉｄｅａｔｉｏｎ-ｍａｎａｇｅｍｅｎｔ/
               ＳＥＣ,               (2009).

Ｆｉｎａｎｃｉａｌ               Ｓｔａｔｅｍｅｎｔｓ.

Ｒｅｔｒｉｅｖｅｄ               ｏｎ               Ａｕｇｕｓｔ               19,               2011               ｆｒｏｍ               ｈｔｔｐ://ｗｗｗ.ｓｅｃ.ｇｏｖ/ｐｕｂｓ

Image of total assets to debt ratio formula