Veel isiklikust bilansist

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Siin väike täiendus eelmisele postitusele.

Mis on isiklikul tasandil varad, millega saab lisa teenida ehk mida võib lugeda aktivaks. Mina arvan, et aktivaks võib veel lisaks oma vabale rahale, investeeringutele ja oskustele lugeda ka:
- Enda mainet -> Ole hea ja töökas.
- Enda tutvusi -> Ole avatud ja sõbralik, aita teisi.
- Enda teadmisi -> Õpi.

Lõpuks veel ka mõte passiva kohta:
Kui kodanikul A on korter Mustamäel ja pole pangalaenu ning kodanikul B on 4 miljoniline maja Viimsis, mille eest tal tuleb veel 2 miljonit pangalaenu maksta, siis kodanik A on tegelikult rikkam! Kodanik B võib küll väita, et tal on 2 miljoni krooni eest vara, aga see on vale arusaam. See vara on täiesti mitte likviidne ja seega finantsiliselt kasutu. Küll, aga on kodanikul B 2 miljonit krooni kohustusi, mille võrra ta ongi kodanikust A halvemas seisus.
(Autode puhul on see kõik veel palju hullem, sest erinevalt kinnisvarast nende väärtus ka reaalselt haihtub.) Nii, et majanduslikult kõige halvem otsus on osta laenu raha eest kallis auto. :-)

Comments

  1. AnonymousJanuary 5, 2009 at 5:35 PM

    samal teemal veel
    http://www.johnchow.com/no-bums-are-not-richer-than-you/

    ReplyDelete

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