Advice 1: How to buy assets

Financially literate people understand that to achieve financial freedom, you must buy assets and get rid of liabilities. To achieve these goals there are many ways.
How to buy assets
Instruction
1
To purchase assets, first of all find out what it is. An asset is something that brings you money. Also they considered what you have and no income, but in the future when you sell it you will get more money than it spent on the acquisition. For example, the property you rent, is your asset. At the same time, the apartment or the house in which you live, cannot be considered an asset, as many mistakenly believe, but rather is your passive, as it pulls you out the money to pay rent, buy furniture etc.
2
If you understand what assets are, you can buy them. To buy a property for rental, look online offers available. Better buy ready-made housing in a developed, economically stable state. Abroad you can find very affordable housing, and its yield is a suitable choice for a twenty to thirty percent per annum. If you are going to use this option, prepare a few tens-hundreds of thousands of dollars.
3
If you don't have enough money to purchase real estate, buy it on credit. This is advantageous because Bank rate mortgage abroad is significantly below the level of inflation in Russia. Use the services of banks in Portugal, Cyprus and Spain – they are loyal in other are buyers of real estate from Russia.
4
If you don't want to take out a loan and you have some savings, buy a property at the initial stage of construction, and when construction work will be completed, sell. This method will bring you twenty-five to thirty percent per annum, and at successful coincidence of circumstances and fifty.
5
Consider earnings for real estate time-consuming? Buy stock fast-growing company. However, before you buy a stock, review the statistics of the companies and select the one which has been operating for a long time and has established itself in the market. Promotions will bring you a passive income, depending on the number of purchased securities and the conditions put forward by the company for sale. Also promotions will bring you profits when you decide to implement them.
Note
What for one person is an asset for another can be considered a liability. Therefore, if the banker tells you that your home is an asset, he's telling the truth, but not telling that it is not your asset and it.
Useful advice
If you do not know where to find the money to buy assets, use the advice of Robert Kiyosaki: with each paycheck, put off ten percent of that will be spend only on investment in assets.

Advice 2 : How to improve the liquidity of the enterprise

The liquidity of the company is one of the manifestations of its financial stability. This is the company's ability to timely fulfill the obligations. Liquid is an enterprise that is able to meet its short term obligations, implementing current assets.
How to improve the liquidity of the enterprise
Instruction
1
The liquidity of the company is determined on the basis of relative indicators. Coefficient of absolute liquidity reflects the ability of the firm to meet its short term obligations through the implementation of cash and short-term financial investments. This ratio shows what proportion of current liabilities may be repaid in the shortest possible time. The main factor in the increase of absolute liquidity is the timely and equitable repayment of receivables.
2
Quick liquidity ratio characterizes the company's ability to cover current liabilities due to full repayment of receivables. In this case from the calculation excludes inventories, the least liquid part of current assets. If the growth factor is associated with the increase in overdue debts, this is not a positive aspect of an enterprise. To increase quick liquidity necessary to facilitate the growth of coverage of own working capital. This is possible with the build-up of working capital and reducing inventory levels.
3
The current ratio shows ability to pay current obligations, subject to repayment of short-term accounts payable and current inventory. To improve this ratio it is necessary to increase the equity of the enterprise and to restrain the growth of non-current assets and long term receivables.
4
Ways of increase of liquidity and solvency on the enterprise will depend on the factors that caused their decline. The external causes include the decline of production in the country, bankruptcy of debtors, outdated technology, imperfect legislation, etc. to reduce the impact of these factor, predpriatie can release into circulation of new shares to raise funds.
5
The internal factors in the reduction of liquidity include obratnykh deficit of own funds, the increase in accounts receivable and accounts payable, the imperfection of the price mechanism, low contract enforcement. In this case, the company needs to repay the receivables. This can be achieved by conducting factoring transactions or signing a contract-assignment, i.e. the assignment of claims and transfer of property rights. In addition, it is necessary to improve the contract work and to tighten the contractual requirements.
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