So Friday afternoon I had a meeting with Robert Kiyosaki that lasted about 4 hours (Pretty intense!). I had been warned prior to ever actually having a long sit down with Robert that he can be a very unique person and no matter what, he is the boss. I will have to admit this intimidated me a little bit, but made me very excited at the same time. So Robert came up to my office, pulled a chair around to my side of my desk and we started working on a catalog layout for the CASHFLOW game. After almost two hours Robert had to leave to go shoot a couple of TV commercials. He returned to my office a little while later and we continued to work on the catalog for a couple more hours.
Woohoo you may say with a sarcastic overtone, but this was a very big deal to me. Although most of the 4 hours was Robert telling me his vision and me making it so on the screen. There were also many times where he needed me to finish a thought he could not, come up with an idea, make and idea of his better.
Of course this was an all work meeting and there was not a single opportunity for me to sit and pick his brain on any business, or personal finance matters that I would like to know for my own good. I was still able to sit with a great mind and observe his thought process, see how he reacts to certain things, hear his vision and ideas.
Simply through observation on Friday afternoon I am convinced that Robert Kiyosaki is an incredible person. He is very stern on what he wants to see, but is very willing to let others create his vision using their own ideas. This showed me that he is a very flexible person that knows what he wants, but does not have to do it all himself for it to be perfect. This is a quality that many people strive to embrase, but very few accomplish it. Put into a more simple fashion this means that if you have been able to embrace that quality you can own a successful business and almost never have to do a single thing. You will have managed the right people to run your business for you while you sit back and watch that money flow in from your asset column.
This was a very exciting day for me and there will be many more to come. Keep checking back!
Woohoo you may say with a sarcastic overtone, but this was a very big deal to me. Although most of the 4 hours was Robert telling me his vision and me making it so on the screen. There were also many times where he needed me to finish a thought he could not, come up with an idea, make and idea of his better.
Of course this was an all work meeting and there was not a single opportunity for me to sit and pick his brain on any business, or personal finance matters that I would like to know for my own good. I was still able to sit with a great mind and observe his thought process, see how he reacts to certain things, hear his vision and ideas.
Simply through observation on Friday afternoon I am convinced that Robert Kiyosaki is an incredible person. He is very stern on what he wants to see, but is very willing to let others create his vision using their own ideas. This showed me that he is a very flexible person that knows what he wants, but does not have to do it all himself for it to be perfect. This is a quality that many people strive to embrase, but very few accomplish it. Put into a more simple fashion this means that if you have been able to embrace that quality you can own a successful business and almost never have to do a single thing. You will have managed the right people to run your business for you while you sit back and watch that money flow in from your asset column.
This was a very exciting day for me and there will be many more to come. Keep checking back!
I have decided to not blog on myspace anymore and switch over to blogger.com. All prior posts are a combination of a couple of different blogs I had running. From now on they will all be posted here. I would appreciate any and all feedback (good or bad) and encourage all of you to subscribe and keep coming back. I am going to try make this part of my regular routine and hope to keep it very up to date.
Thank You!
Thank You!
I just wanted to give everyone a little inside to some stuff going on in my life. Probably the biggest thing right now is I just started a new job with an amazing company. I have been here for a week now and it has been a perfect fit. The people I work with are all very cool, laid back, and just nice good people. The company I am working for is called The Rich Dad Company. The owner of the company is the author of the best selling book Rich Dad Poor Dad among many others.
For those of you that have read the book Rich Dad Poor Dad I can tell you that the company operates with that book in mind. Meaning that they encourage personal finance knowledge in every one of their workers, no matter what your "job" is in the company. They are not worried you will make a million dollars and leave the company, they want you to make a millions dollars and help them spread the word and teach others how to do the same.
As most of you know I am a very entrepreneurial person so you can see why being the new graphic and web designer for this company is a very big deal to me. If I were to relate this job to being a stepping stone on my path to financial success I would have to say that this stepping stone is equipped with a hydraulic lift and is ready to take me higher than ever before.
Well that is all I really have for now. Stay tuned...
P.S. If you haven't read the book Rich Dad Poor Dad, CLICK HERE to order a copy online. It's only $10.17 on Amazon.
For those of you that have read the book Rich Dad Poor Dad I can tell you that the company operates with that book in mind. Meaning that they encourage personal finance knowledge in every one of their workers, no matter what your "job" is in the company. They are not worried you will make a million dollars and leave the company, they want you to make a millions dollars and help them spread the word and teach others how to do the same.
As most of you know I am a very entrepreneurial person so you can see why being the new graphic and web designer for this company is a very big deal to me. If I were to relate this job to being a stepping stone on my path to financial success I would have to say that this stepping stone is equipped with a hydraulic lift and is ready to take me higher than ever before.
Well that is all I really have for now. Stay tuned...
P.S. If you haven't read the book Rich Dad Poor Dad, CLICK HERE to order a copy online. It's only $10.17 on Amazon.
Posteaza video pe blogul tau:
Copy/Paste:
Azi s-au obtinut apartamente la 52.000 dolari prin negociere sustinuta.
[1] [2] [3] [4]
Viteza de rotatie este un factor cheie in determinarea lichiditatii. O viteza de rotatie a datoriilor cat mai mica economiseste numerarul si creste lichiditatea unei afaceri.
Viteza de rotatie a datoriilor = Costul bunurilor vandute
Sold mediu datorii (furnizori)
Pentru a transforma numarul de rotatii in zile se impart cele 365 zile ale anului la numarul de rotatii.
O viteza de rotatie mai mare decat cea medie la nivel de industrie este ok atata timp cat lichiditatea este suficienta, deoarece platile la timp catre furnizori atrag dupa sine discount-uri care micsoreaza costul bunurilor vandute ducand astfel la cresterea venitului net. Totodata, cresterea vitezei de rotatie este nerecomandata atata timp cat lichiditatea este la limita.
O viteza de rotatie mai mica decat cea medie la nivel de industrie este recomandabila atunci cand lichiditatea este la limita dar nu si atunci cand lichiditatea este satisfacatorare, deoarece se pierd eventuale facilitati oferite de furnizori pentru plata la timp a facturilor. Orice furnizor apreciaza un client care plateste la timp :).
Viteza de rotatie este un factor cheie in determinarea lichiditatii. O viteza de rotatie a datoriilor cat mai mica economiseste numerarul si creste lichiditatea unei afaceri.
Viteza de rotatie a datoriilor = Costul bunurilor vandute
Sold mediu datorii (furnizori)
Pentru a transforma numarul de rotatii in zile se impart cele 365 zile ale anului la numarul de rotatii.
O viteza de rotatie mai mare decat cea medie la nivel de industrie este ok atata timp cat lichiditatea este suficienta, deoarece platile la timp catre furnizori atrag dupa sine discount-uri care micsoreaza costul bunurilor vandute ducand astfel la cresterea venitului net. Totodata, cresterea vitezei de rotatie este nerecomandata atata timp cat lichiditatea este la limita.
O viteza de rotatie mai mica decat cea medie la nivel de industrie este recomandabila atunci cand lichiditatea este la limita dar nu si atunci cand lichiditatea este satisfacatorare, deoarece se pierd eventuale facilitati oferite de furnizori pentru plata la timp a facturilor. Orice furnizor apreciaza un client care plateste la timp :).
[1] [2] [3] [4]
Viteza de rotatie este un factor cheie in determinarea lichiditatii. O viteza de rotatie mare permite afacerii sa faca mai multe operatiuni fara sa isi sporeasca activele. O viteza de rotatie a creantelor mare semnifica faptul ca suma de bani blocata in creante neincasate este mica, lucru care imbunatateste lichiditatea.
Formula de calcul este:
Viteza de rotatie a creantelor = Vanzari pe credit*
Sold mediu creante neincasate
Rezultatul formulei de mai sus ne spune cate rotatii au avut creantele intr-o anumita perioada de timp. Pentru a transforma numarul de rotatii in zile se imparte un an (respectiv 365 zile) la numarul de rotatii.
Trebuie avuta in vedere corelatia cu viteza de rotatie a datoriilor pentru a evita situatii in care creantele au o medie de incasare de 90 zile (4 rotatii) iar datoriile o medie de plata de 30 zile. Soldul creantelor, spre deosebire de vinuri, nu se imbunatateste cu timpul. El trebuie mereu corelat cu viteza de rotatie a achizitiilor pentru a se evita inrautatirea lichiditatii afacerii.
* Prin vanzari pe credit se inteleg toate vanzarile la care plata nu se face pe loc, cash.
Viteza de rotatie este un factor cheie in determinarea lichiditatii. O viteza de rotatie mare permite afacerii sa faca mai multe operatiuni fara sa isi sporeasca activele. O viteza de rotatie a creantelor mare semnifica faptul ca suma de bani blocata in creante neincasate este mica, lucru care imbunatateste lichiditatea.
Formula de calcul este:Viteza de rotatie a creantelor = Vanzari pe credit*
Sold mediu creante neincasate
Rezultatul formulei de mai sus ne spune cate rotatii au avut creantele intr-o anumita perioada de timp. Pentru a transforma numarul de rotatii in zile se imparte un an (respectiv 365 zile) la numarul de rotatii.
Trebuie avuta in vedere corelatia cu viteza de rotatie a datoriilor pentru a evita situatii in care creantele au o medie de incasare de 90 zile (4 rotatii) iar datoriile o medie de plata de 30 zile. Soldul creantelor, spre deosebire de vinuri, nu se imbunatateste cu timpul. El trebuie mereu corelat cu viteza de rotatie a achizitiilor pentru a se evita inrautatirea lichiditatii afacerii.
* Prin vanzari pe credit se inteleg toate vanzarile la care plata nu se face pe loc, cash.
Posteaza video pe blogul tau:
Copy/Paste:
Cum ar fi sa experimentezi diferite personaje intr-nu joc de CashFlow? Adica tu, azi, sa joci rolul unui bancher precaut care nu vede decat posibile probleme cu creditele. Maine sa joci rolul unui manager informat care cunoaste piata imobiliara. In alta zi poate vei incerca schimbarea in strategie si poate creativitatea iti va fi la indemana.
In realitate, poti incerca gandirea laterala in luarea deciziilor importante.
Ce te opreste? Probabil necunoasterea.
L-am invitat pe Catalin Zaharia pe la club la o discutie absolut libera. De ceva timp imi propusesem o intalnire cu el si asta s-a intamplat ieri. Abia daca am atins (asa cam pe la o suta de kilometri) ceea ce se numeste "gandire laterala".
Foarte pe scurt metoda celor 6 palarii:
Pălăria Albă se concentrează pe informaţii. Se referă la fapte, figuri, informaţii disponibile sau necesare.
Pălăria Galbenă se concentrează pe beneficii şi aspecte pozitive.
Pălăria Roşie dezvăluie intuiţiile, sentimentele şi emoţiile.
Pălăria Neagră este pălăria problemelor, criticilor şi a precauţiilor.
Pălăria Verde este cea a creativitătii, schimbării, a alternativelor, propunerilor, a ceea ce este interesant şi provocativ. Aici pot fi folosite tehnici de Gîndire Laterală.
Pălăria Albastră este pălăria coordonării. Nu vizează un subiect în sine, ci procesul gândirii.
Daca ti-ai "indesa" o palarie colorata, la inceputul jocului, ar fi posibil sa faci un CashFlow cu totul diferit decat o faceai in mod obisnuit. Pai asta te-ar ajuta sa privesti problemele dintr-o perspectiva globala, nu? Si poate sa te desprinzi (o data) de scepticism. Poate ai incerca mai multa creativitate in deciziile pe care le iei? Dar daca ai deveni mai pozitiv?
Si cine mai stie, poate ne mai intalnim cu Catalin.
***
We had played CashFlow 202 for three hours :) and is a really motivating and challenging game. We're planing to meet in the next strong-end (our formula for week-end)
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Some people say we're now in a bad real estate market. Donald Trump disagrees. He thinks we're in the midst of a great market--and he wants to make sure you take advantage of it!
The question is: Do you have the knowledge you need right now to succeed?
Recently, Donald Trump met with Gregory D. Warr to talk about how they could help you evolve from an inexperienced investor to a savvy one, fast
[1] [2] [3] [4]
Diferenta dintre activele curente si pasivele curente este cunoscuta sub denumirea de capital de lucru. Deoarece afacerile nu pot supravietui fara un capital de lucru pozitiv, intrebarea daca activele curente depasesc pasivele curente este extrem de importanta.
Un capital de lucru pozitiv (activele curente mai mari decat pasivele curente) ofera afacerilor o lichiditate suficienta sa le asigure supravietuirea. In schimb, daca activele curente sunt mai mici decat pasivele curente, afacerea se afla intr-un pericol iminent de faliment.
Indicatorul financiar care masoara acest risc este RATA CURENTA, formula de calcul fiind:
Rata curenta = Active Curente
Pasive Curente
Indicat ar fi ca rata sa fie mai mare de 1 pentru a avea o marja de siguranta deoarece rata curenta, ca toti indicatorii de altfel, ofera o imagine aproximativa. O rata curenta de 2 sau mai mult ar asigura o marja de siguranta.
Stocurile, ca si parte componenta a activelor curente, pot avea o lichiditate scazuta in situatii de criza (de exemplu stocurile perisabile, sezoniere, de lux, uzate moral etc). Din acest motiv rata curenta este adesea modificata prin excluderea stocurilor din total active curente, obtinandu-se astfel RATA RAPIDA.
Rata Rapida = Active curente – Stocuri
Pasive curente
Diferenta dintre activele curente si pasivele curente este cunoscuta sub denumirea de capital de lucru. Deoarece afacerile nu pot supravietui fara un capital de lucru pozitiv, intrebarea daca activele curente depasesc pasivele curente este extrem de importanta.
Un capital de lucru pozitiv (activele curente mai mari decat pasivele curente) ofera afacerilor o lichiditate suficienta sa le asigure supravietuirea. In schimb, daca activele curente sunt mai mici decat pasivele curente, afacerea se afla intr-un pericol iminent de faliment.
Indicatorul financiar care masoara acest risc este RATA CURENTA, formula de calcul fiind:
Rata curenta = Active Curente
Pasive Curente
Indicat ar fi ca rata sa fie mai mare de 1 pentru a avea o marja de siguranta deoarece rata curenta, ca toti indicatorii de altfel, ofera o imagine aproximativa. O rata curenta de 2 sau mai mult ar asigura o marja de siguranta.
Stocurile, ca si parte componenta a activelor curente, pot avea o lichiditate scazuta in situatii de criza (de exemplu stocurile perisabile, sezoniere, de lux, uzate moral etc). Din acest motiv rata curenta este adesea modificata prin excluderea stocurilor din total active curente, obtinandu-se astfel RATA RAPIDA.
Rata Rapida = Active curente – Stocuri
Pasive curente
Today I met Robert Kiyosaki and Sharon Lechter, authors of "Rich Dad Poor Dad"!
I was a able to sit in on my first staff meeting today at the "Rich Dad Company" and it was even better than I could have hoped. Many people in the staff meeting made it a point to stop and welcome me to the team during the meeting, including Robert and Kim Kiyosaki themselves. It was a very comforting feeling and everyone had made me feel like I had joined a family rather than I just simply had a new job.
The best part of the meeting was actually after the meeting when Robert came up and gave me a more personal welcome with a handshake and let me know that the position I am taking in the company has been long awaited and he is looking forward to having me on the team. Right after that Kim Kiyosaki also came and welcomed me with a nice big hug while cracking a joke about how she too saw the resemblance between myself and Kevin Bacon, which was something someone earlier in the meeting had mentioned. I don't really think I look all that much like him, but that is beside the point.
To my luck the meeting ran a bit long and Robert did not take a chance to drill me with any questions in front of the rest of the company. Although it would have been quite fun I'm sure, I am quite relieved at the same time.
This is a great beginning to a new chapter in my life and I plan on taking all that care to read along with me. With the little I have witnessed and learned in these first couple of days with the company I can undoubtedly promise you I will have much to share with you from this day on.
As I get more familiar and settled in the company I look forward to answering any responses to my blogs and also look forward to any questions you may. Please share this blog with your friends and family!
I was a able to sit in on my first staff meeting today at the "Rich Dad Company" and it was even better than I could have hoped. Many people in the staff meeting made it a point to stop and welcome me to the team during the meeting, including Robert and Kim Kiyosaki themselves. It was a very comforting feeling and everyone had made me feel like I had joined a family rather than I just simply had a new job.
The best part of the meeting was actually after the meeting when Robert came up and gave me a more personal welcome with a handshake and let me know that the position I am taking in the company has been long awaited and he is looking forward to having me on the team. Right after that Kim Kiyosaki also came and welcomed me with a nice big hug while cracking a joke about how she too saw the resemblance between myself and Kevin Bacon, which was something someone earlier in the meeting had mentioned. I don't really think I look all that much like him, but that is beside the point.
To my luck the meeting ran a bit long and Robert did not take a chance to drill me with any questions in front of the rest of the company. Although it would have been quite fun I'm sure, I am quite relieved at the same time.
This is a great beginning to a new chapter in my life and I plan on taking all that care to read along with me. With the little I have witnessed and learned in these first couple of days with the company I can undoubtedly promise you I will have much to share with you from this day on.
As I get more familiar and settled in the company I look forward to answering any responses to my blogs and also look forward to any questions you may. Please share this blog with your friends and family!
1. You Care What Your Neighbors Think: If you're competing against them and their material possessions, you're wasting your hard-earned money on toys to impress them instead of building your wealth. 2. You Aren't Patient: Until the era of credit cards, it was difficult to spend more than you had. That is not the case today. If you have credit card debt because you couldn't wait until you had
Hello everyone!
Today was my first day with the Rich Dad Company and it was great! Everyone here has very unique personalities and they are all very nice and welcoming people. It is a night and day difference from my former corporate job. The attitudes of everyone I have met thus far have shown me that the people I will be working with truly love what they do and love who they work for (very encouraging).
I know those of you that are reading this are probably itching to find out if I met Robert Kiyosaki. No, he was not in the office today, but I will be meeting him tomorrow. Like most companies when a new person starts they get to share about themselves in a company meeting. I have been told that Robert tends to have some good questions to ask during this sharing time. Hopefully I will be on my toes tomorrow and will have a good story to share with all of you about my first meet with Robert Kiyosaki.
Stay tuned...
Today was my first day with the Rich Dad Company and it was great! Everyone here has very unique personalities and they are all very nice and welcoming people. It is a night and day difference from my former corporate job. The attitudes of everyone I have met thus far have shown me that the people I will be working with truly love what they do and love who they work for (very encouraging).
I know those of you that are reading this are probably itching to find out if I met Robert Kiyosaki. No, he was not in the office today, but I will be meeting him tomorrow. Like most companies when a new person starts they get to share about themselves in a company meeting. I have been told that Robert tends to have some good questions to ask during this sharing time. Hopefully I will be on my toes tomorrow and will have a good story to share with all of you about my first meet with Robert Kiyosaki.
Stay tuned...
Sambata 24 martie, am jucat prima partida de CashFlow 202.
La primele impresii,
"jocul" contine un set de reguli care te pun serios sa iti formezi strategii de investitii sofisticate pe piata imobiliara si pe bursa.
Nu este complicat dar sunt multe informatii noi fata de un CashFlow 101.
Cand am reascultat regulile jocurilor de Cashflow, la un moment dat Kiyosaki afirma ca trebuie sa joci CashFlow 101 de zece, doua zeci de ori pentru a dobandi abilitatile necesare trecerii pe 202. Evident, am zis, lasa ca nu e chiar asa. In realitate nu am reusit sa terminam partida nici dupa 3 ore.
Daca in 101 "trebuie sa te stradui" sa intri in faliment, in 202 poti reusi imediat asta. Poti pierde rapid castigurile de pe bursa si proprietatile imobiliare iti pot aduce pagube usturatorare.
Posteaza video pe blogul tau:
Practic este folosit acelasi board de la 101 (trebuie sa ai mai intai CashFlow 101) dar sunt alte cartonase si alte evidente de completat.
Daca nu esti stapan pe circuitul financiar din 101, in 202 nu ai nici o sansa sa devii un investitor sofisticat asa cum tehnicile avansate de investitii le dobandesti cu 202-ul dupa ce stapanesti circuitul financiar din Cashflow 101.
CashFlow 202 este superb daca STII CE VREI.
Reamintesc care sunt cele trei tipuri de venituri pe care orice om le poate dobandi.
1. Sunt realizate ca angajat, liber-profesionist sau din afacerile pe care le conduci.
2. Proprietati imobiliare, network marketing, afaceri automate, etc.
3. Esti investitor si pui banii (altora) sa munceasca pentru tine. Bine-inteles ai nevoie de expertiza din cadranul P si un permanent program de imbunatatire.
****
Calendarul intalnirilor de cashflow este tinut online pe post de secretara care lucreaza fara bani 24/24, 7/7 intotdeauna eficient. Ea tine evidentele participantilor, intalnirilor si totodata se ocupa si de promovare. Se poate ocupa de toate aceste lucruri daca o lasi "la vedere" pe blogul tau.
Posteaza calendarul pe blogul tau (copy/paste):
La primele impresii,
"jocul" contine un set de reguli care te pun serios sa iti formezi strategii de investitii sofisticate pe piata imobiliara si pe bursa.
Nu este complicat dar sunt multe informatii noi fata de un CashFlow 101.
Cand am reascultat regulile jocurilor de Cashflow, la un moment dat Kiyosaki afirma ca trebuie sa joci CashFlow 101 de zece, doua zeci de ori pentru a dobandi abilitatile necesare trecerii pe 202. Evident, am zis, lasa ca nu e chiar asa. In realitate nu am reusit sa terminam partida nici dupa 3 ore.
Daca in 101 "trebuie sa te stradui" sa intri in faliment, in 202 poti reusi imediat asta. Poti pierde rapid castigurile de pe bursa si proprietatile imobiliare iti pot aduce pagube usturatorare.
Posteaza video pe blogul tau:
Copy/Paste:
Practic este folosit acelasi board de la 101 (trebuie sa ai mai intai CashFlow 101) dar sunt alte cartonase si alte evidente de completat.
Daca nu esti stapan pe circuitul financiar din 101, in 202 nu ai nici o sansa sa devii un investitor sofisticat asa cum tehnicile avansate de investitii le dobandesti cu 202-ul dupa ce stapanesti circuitul financiar din Cashflow 101.
CashFlow 202 este superb daca STII CE VREI.
Reamintesc care sunt cele trei tipuri de venituri pe care orice om le poate dobandi.
- Veniturile Active (din desfasurarea de activitati)
- Veniturile Pasive (dupa un timp, fara implicare esentiala)
- Veniturile Portofolii (din actiuni si hartii de valoare ca investitor)
1. Sunt realizate ca angajat, liber-profesionist sau din afacerile pe care le conduci.
2. Proprietati imobiliare, network marketing, afaceri automate, etc.
3. Esti investitor si pui banii (altora) sa munceasca pentru tine. Bine-inteles ai nevoie de expertiza din cadranul P si un permanent program de imbunatatire.
****
Calendarul intalnirilor de cashflow este tinut online pe post de secretara care lucreaza fara bani 24/24, 7/7 intotdeauna eficient. Ea tine evidentele participantilor, intalnirilor si totodata se ocupa si de promovare. Se poate ocupa de toate aceste lucruri daca o lasi "la vedere" pe blogul tau.
Posteaza calendarul pe blogul tau (copy/paste):
http://groups.google.com/group/worldstream/feed/rss_v2_0_msgs.xml?num=50
http://groups.google.com/group/worldstream/feed/rss_v2_0_msgs.xml?num=50
ACTIVELE CURENTE (Current assets) sunt acele active care pot fi transformate in bani intr-o perioada scurta de timp, in general mai mica de un an. Datorita faptului ca se transforma usor in bani ele mai sunt cunoscute si sub denumirea de active lichide.
In aceasta categorie se inscriu:
In aceasta categorie se inscriu:- Stocuri (Inventories) care cuprind materiile prime, materialele auxiliare, semifabricatele, marfuri si produsele finite pe care o societate le are pe stoc la sfarsitul unei anumite perioade de timp (luna, an). Ele se regasesc in balanta la costul lor de achizitie/productie.
- Creante (Trade and other receivables) care cuprind: sume de incasat de la clienti, avansuri acordate furnizorilor, debitori diversi, TVA de recuperat, alte creante ale societatii.
- Casa si conturi la banci (Cash and cash equivalents) care cuprind toate sumele de bani aflate in casa sau conturile bancare ale unei societati.
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