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site Nidhi Mathew
Olee otú Bịakwute Women Ọ bụrụ na Ị na-eme ihere?
Ị na-a na-eme ihere Ihọd na a drawback gị emeela ka ị na-anọgide na-alụbeghị di a niile afọ.
Ndi n'elu na-akọwa ọnọdụ gị? Ị na-achọ mfe na-emezu ihe e kpere, ma dị irè ụzọ tufuo nke nsogbu? Ọ bụrụ na ee, nneme n'okpuru kwesịrị inyere gị aka.
Iji merie ihere, ị ga-enwe okwukwe na gị na a njedebe nke ọtụtụ ihe pụrụ inyere gị aka imeta na okwukwe. Gụọ na mara ihe kpọmkwem ị ga-eme.
Lee obi ike
Ọ bụ eziokwu na onye na-enweghị ike ịgbanwe ya ma ọ bụ ọdịdị ahụ ya. N'ihi ya, a onye pụrụ ime ihe ọ bụla banyere otú mara mma enye ese, ma ọ pụrụ n'ezie ime ka ihe ụfọdụ anya ọzọ nwee obi ike.
Ọ bụ ihe kwere nghọta na ị na-gwụsịrị ịgakwuru nwanyị ọ bụla n'ihi na gị ihere, Ma, otu ihe ị ga-aghọta bụ na ọ dịghị onye ọzọ ndị ọzọ karịa gị (ma eleghị anya a mmadụ ole na ole nnọọ unu nso) maara na ị na-eme ihere.
Ya mere, ị nwere ike mfe agbalị mingle na ndị na-enweghị ka ha na-aghọta na ị bụ otu n'ime ndị na debeere (na-agụ na-eme ihere) ndị mmadụ ndị na-anọkarị n'ebe ụmụ agbọghọ. Nke a ga-eme ka ọ dịrị ya mfe ka ị zoo bashfulness; mgbe ị na jikwaa ịrụ a cover-ọma, ị ga-akpaghị aka na-amalite na-eche ọzọ nwee obi ike.
Iji anya obi ike ị ga-elekwasị anya a bit na ụzọ i si eji ejiji. Zere yi uwe na-agaghị ekwe ka ị si dị ìgwè mmadụ ahụ. Emela, ị ga-adịghị mkpa na-eyi ndị na fluorescent trouzas na-egbuke egbuke acha uwe elu na-hụrụ na ìgwè mmadụ. Dị nnọọ họrọ gị uwe a bit amamihe; ma ọ bụrụ na ị na-eyi uwe ndị na-anya ọma na ị, ị ga-akpaghị aka jidere uche nke ndị inyom gburugburu gị.
Nwere ezi uche Aims
Ị na-eme atụmatụ iji woo ndị kasị ewu ewu na ọtụtụ nwa agbọghọ mara mma gburugburu? Dị ka a na-eme ihere nwoke, ị kwesịrị ị na-ezere ịnwa na.
Ọ bụ eziokwu na gị na ihere ga-belata budata mgbe ị na-amalite ịchọ ihe obi ike, ma nke ahụ apụtaghị na ị na-smart iji rata kacha ekpo ọkụ ugbu girl gburugburu.
Nwa agbọghọ ọ bụla bụ onye na-ama na-ewu ewu na a maara dị ka ndị kasị mma onye ya na otu bụ na-emekarị ukwuu obi ike. The obi ike na ị zukọtara nnọọ na nso nso ga-ezu iji gakwuru ndị dị otú ahụ a girl; ya obi ike ga-agbaji gị na oge ị ga-agakwuru ya.
Ya mere, nzube gị ga-achọta a girl na suut gị larịị; mgbe zere na-eru nso inyom na-amaja gị.
Unu ihere pụọ n'ebe na-eme ka anya na kọntaktị
Mgbe ị na-akpatre ịgakwuru onye, adịghị ezere si na-eme ka anya na kọntaktị. Women ina wooed mfe mgbe nwoke anya n'ime ha anya enweghị ihe ọ bụla mgbochi.
Nke a bụ, Otú ọ dị, ịbụ ihe kasị sie ike ọrụ a na-eme ihere onye pụrụ mgbe a ga-jụrụ ime; ma, ozugbo mbụ egbochi i.e. na-eru nso nwanyị a na-gafere, ị ga-etinye mgbalị kasị mma i ịgafe ọzọ.
Ime anya dị nnọọ mfe karịa ihe ị na-n'ezie anya isi. Mgbe na-eme anya, na-agbalị ịnọgide na-enwe ya maka a nkeji ole na ole; gị mbụ nervousness ga--arahụ.
The n'elu Atụmatụ kwesịrị inyere gị aka pụta nke shei nke ime ihere. Ndị ọzọ karịa na-esonụ ndị a Atụmatụ, ị nwekwara ike na-arụ ọrụ rụọ ọrụ gị mkparịta ụka nkà na-asa nke ịkpa ọchị.

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Natural Ayurveda Cure For Premature Ejaculation
Pssst….I’m about to tell you a little secret how to increase sexual stamina to last longer in bed.
Sexual stamina has a different meaning altogether to different people.
Some say its lack of manliness some say its premature ejaculation or for some its impotency. This is a very common problem and every man faces it.
The basic reason behind it lies in your head. The way you think of it. I’m not saying that it cannot be due to any physical problems. It can be. But in maximum cases it is psychological.
Stamina is a word which always comes in between man and sex. The reason is that every man wants to be the best lover to his partner. But when you are not, this leads to embarrassment and stress.
It may happen that you hesitate talking to any doctor or even your partner. What will they think of you? This is the question that stops you.
It’s not your fault. Our world is such. A man who can last long on the bed is said to be manly enough otherwise he is incapable. Nke a bụ echiche nke Society na anyị na-ebi.
Ma echegbula. Nsogbu a ga-edozi n'ụlọ gị onwe ya na-enweghị na-eme a nsogbu oge nke ya. Dị Mfe ụlọ ịgba akwụkwọ, ebi ndụ mgbanwe na ụfọdụ ziri ezi na-atọ ụtọ ime aghụghọ nwere ike ime ka ị na-dike nke abalị.
Ihe ndị a niile i nwere ike ịhụ na isiokwu n'okpuru. Nke a ga-enyere unu aka igbo onye gị na-eme ka ya ogologo n'ihi na ihe.
Gịnị mere m? Ntak emi ẹwọrọde? Ndị a bụ ụfọdụ bụ isi ajụjụ nke ahụ nwere ike ịbata gị n'obi. Nsogbu na ndị mmadụ na-enwe bụ na akaghi aka ejaculation. Nke a pụtara n'oge ejaculation.
Dị ka Ayurveda nke a mere ruru ụba vata ke idem. High larịị nke vata-eme ka ị mwute aka. N'ihi na nke a ngwa ngwa ejaculation itịbe na ị na-enweghị ike ịnọgide na bed maka ogologo. Ọzọ mere nwere ike ịbụ nnukwu ego nke cholesterol ke idem.
Mara Gị Isi Ụdị Dị Iji Ayurveda Lee
Nke a na- cholesterol Nwela edebe ke amụ ọbara arịa. N'ihi ya, ọbara arịa na-oké. A na-ebelata ọbara ọkọnọ na amụ uru. N'ihi na nke a sphincter akara ebelata na akaghi aka ejaculation etịbe.
Mgbe ị na-enweghị ike iji nọgide na-enwe ihe erection na ike na-ahuta ka a na-ahụ ka ọgba aghara na a na-akpọ impotency. Nke a nwere ike ime eme n'ihi na ọtụtụ ihe mere. Nchegbu bụ isi ihe mere. Nke a na-aghara bụ na-ahụkarị ndị na-akwa n'ogo nke cholesterol.
Nke a bụ n'ihi abụba Nwela edebe na ọbara arịa ka amụ. This blocks the flow of blood leading to insufficiency. This initiates a penis attack leading to impotency.
To sum up, healthier body means healthier sex.
Sweet & Effective Bedroom Tricks:
1. Are you in a hurry? If the answer is yes then do not even start sex that day. Sex is something like a language to be understood by two people. You need time to understand. Making it fast will not only irritate your partner but also affect your sexual life.
Make it slow.Be patient don’t forget to build the stimulation first. Gị Nkea kwesịrị nnọọ ngwa ngwa. Gbalịa na-amalite na dị ka njakịrị na tickling softy. Mgbe e mesịrị ị pụrụ ọsọ n'elu bịa a ọgwụgwụ.
2. Mgbe i malitere na-na-agbanwe agbanwe gị n'ọnọdụ, na n'akuku, omimi na-ọsọ nke penetration. Ejikwa ya ma na-agbanwe agbanwe. Ozugbo ị na-eche na ị ga-eru ihe orgasm ngwa ngwa ịgbanwe ọnọdụ a ọhụrụ.
I nwekwara ike ịkwụsị ma na-eme ụdị ụfọdụ nke foreplay dị ka ụfọdụ anụ ntị okwu ma ọ bụ ọnụ na-atọ ụtọ. Nke a ga-ọ bụghị nanị na mbo mbuli gị ume ma na-enyere onye gị na ahụmahụ ihe ọhụrụ.
3. it’s not a race that you can’t rest. You can take breaks. These breaks are important too. This will help you control the orgasm. And meanwhile prepare you for another round. During this break try to maintain the atmosphere by some foreplay, oral stimulation, teasing or some dirty talks. When you feel fine you can start again.
4. Actually sex meaning is not clear in peoples mind. They think that penetrative intercourse is sex. But it is more than this. Foreplay plays a major role during sex. Soft kissing, emetụ ụfọdụ njakịrị, onu na ntuziaka stimulations, ojiji nke mmekọahụ ji egwuri egwu, ndị a niile nwere ike inyere gị na onye òtù ọlụlụ nweta afọ ojuju na-eme ka a ike na n'ụzọ zuru ezu enwewe mmekọahụ.
Kama m ga-asị na-eme ka onye gị na iru njedebe n'ihu gị ụfọdụ 2-3 ugboro site nnọọ foreplay Usoro. Nke a ga-enye gị oge iji zuru ike ma na-agaghị egbochi gị mmekọahụ ndụ.
5. Ị pụrụ ọbụna na-elekọta condom ị na-eji anọ ogologo. Naa na ahịa thicker okpu nnabụenyi dị. Ndị a thicker okpu nnabụenyi-enyere gị aka n'ihi na a mma mmekọahụ na ọbụna ebelata uche nke amụ. N'ụzọ dị otú a ị pụrụ jide gị orgasm maka a ogologo oge.
6. E wezụga condom nhọrọ na e nwere ọtụtụ desensitizing creams dị na ahịa. Ndị a creams mgbe etinyere na n'ọnụ nke amụ ebelata ma ọ bụ na-ebenata uche nke na-amụ ebe. Nke a na-enyere aka na-ị mkpatụ na bed ogologo.
Apart from the above options there are many lifestyle changes that you can do to increase your sexual stamina some of them are:
1. Sometimes this stamina becomes such a big concern for you that you keep thinking about your performance and forget about the n'anya na intimate relationship you have with your partner. Do not worry, everything’s fine. Relax just live the moment.
Your partner understands you. Remember one thing, mmekọahụ na-adịghị amasị a onetime udomo oro nke ike-gafere mgbe ị na fail.it dị ka a egwuregwu nke nwere ike na-egwuri ugboro ugboro. Mgbe ị na-echegbu ma ọ bụ nchegbu dị nnọọ ume ma na-agbalị ịzụlite mma ikuku ọzọ.
2. Ihe ị na-eche echiche n'oge mmekọahụ dịkwa nnọọ mkpa. Emela nchegbu onwe gị na ụfọdụ na-adịghị mma ma ọ bụ isiokwu echiche. Nke a ga-arụ ọrụ dị ka a na-ezighị ezi usọbọ. Kama nke na-amụba gị ume ọ ga-ibelata. N'oge mmekọahụ na-eche banyere ihe ọzọ karịa mmekọahụ ma ọ bụ nchegbu ọnọdụ. Best ihe ụfọdụ bụ isi ná mgbakọ na mwepụ, ụfọdụ lyrics nke ụfọdụ ochie songs. All nke a ga-unu na bed maka ogologo.
3. Ka ugbua tụlere a gbasiri ike ga-ike mmekọahụ. Ya mere, nọrọnụ ike. Rie ike nri ma belata ụdị ọ bụla nke junk oriri. High cholesterol na elu abụba nri ihe kwesịkwara izere.
Ndị a abụba nri ihe ga-eduga ezughi oke ọbara eruba na amụ otú effecting gị ume. Ọzọkwa ịnọgide na-enwe ezigbo arọ na BMI dị ezigbo mkpa.
4. Mgbatị dịkwa nnọọ mkpa na-apụghị izere. This will make you feel active and mentally awake for sex. Exercising can be beneficial in many ways.it maintains your body framework, helps you keep healthy and also improve s your blood flow.
5. Nchegbu can be your enemy during sex. If you are stressed you can’t focus and enjoy the pleasure of the intimate moment. A stress-free life is very important. It’s not only for men that I’m talking about. It’s even for women. When you are inside the room let no stress enter. Just let it go.
6. E nwere ọtụtụ omume na ị pụrụ ịgbaso ebe ị na-amụta otú e si enweta achịkwa gị orgasm. Nwee mmekọahụ ọzọ mgbe dị ka omume na-eme ka ọ na-zuru okè. Ka ị na-enwe ihe ị ga-amụta otú e si achịkwa na-anọ ogologo.
Ọbụna masturbation nwekwara ike ịbụ ezi nhọrọ. Ọ bụ nnọọ dị ka gị na-azụ gị ahu ịchịkwa njedebe. Ị nwere ike na-eme ya site na-aga site efu ka oge tupu mmekọahụ na mgbe ahụ, ọzọ na-alọghachi efu.
Mee nke a ọtụtụ ugboro. Nke a pụrụ inyere gị aka ịmụta gị orgasmic uru. Ị nwere ike iji ihe ọ bụla na-amasị gị n'oge masturbation.
Food ihe ndị na-Boosts gị mmekọahụ ume:
Mmekọahụ Nleta a akụkụ dị mkpa nke ndụ na-apụghị iche si. Ị ga-eju, mmekọahụ nwere ike iji tụnyere na-agba ọsọ a marathon.
Dị nnọọ ka gị mkpa ike na-agba ọsọ N'otu aka ahụ gị mkpa ike nke na-eme mmekọahụ. Nke a na-ike na-nyere ihe a na-akpọ ka nwoke na nwanyị nri. Ndị a nri ihe nwere ike mbo mbuli gị ume. Nke a nwere ike inyere gị aka ịnọgide na-enwe ogologo ọzọ na bed.
1. Food ihe ọgaranya vitamin B12 nwere ike ịbụ bara uru mbo mbuli elu gị ume. Ha na-eme otú ahụ site n'inye ike chọrọ. Food ihe dị ka Almọnd,akụ,Akwụkwọ Nri,asparagus bara ọgaranya na vitamin B12.including ndị a niile na ihe oriri gị ga-amụba ọbara gị eruba na ga-aka ebuli gị na ọnọdụ.
2. Ọ bụrụ na ị bụ onye na-abụghị anaghị eri anụ ahụ ọbụna raw oysters pụrụ inyere gị aka. Ndị a oysters bara ọgaranya na zinc. Nke a zinc n'aka-akpali nwoke hormone testosterone. Nke a hormone ewuli na-ekwusi ike na agụụ mmekọahụ na ndị ikom na.
Ndị a na-lifts gị na ọnọdụ ha na-ọgaranya vitamin B12 too.There bụ a ịkpachara anya mmasị. Jide n'aka na ị na-azụ ihe ndị a oysters si a reputable ebe dị ka ọ pụrụ iduga nsị na nri.
3. The kemmiri mkpụrụ anyụ e dere ihe citrulline nke enwekwu oxygen na ọbara na-ọbara eruba. I nwekwara ike mix obere garlic ma ọ bụ ginger na anyụ. Ndị a ga-enyere dịkwuo ọbara ji eruba anya akụkụ.
4. Ọbụna now chocolate pụkwara inyere gị aka. Karịsịa ọchịchịrị chocolate. Dị otú ahụ chọkọletị-akpali ụbụrụ nyak ụfọdụ Chemicals na ụbụrụ. This in turn leads to an increase in the sexual stamina.
5. You must have heard of mkpụrụ vaịn. It’s a very sexually arousing food item.it is high in boron which initiates the production of the male and female hormones. Both plays a vital role in your sexual performance. you can use this fruit as a snack in between your intimate moments.
6. Blueberries is again another fruit.it works just like Viagra for men. Nke a mkpụrụ ala ọbara arịa na otú mma na ọbara eruba. Blueberries na-mara iji belata ọjọọ cholesterol ke idem. Nke a belata cholesterol na mma ọbara eruba aka mma ume n'oge mmekọahụ.
7. Mkpụrụ fig bara ọgaranya na amino asịd bụ nke na-ahụ maka amụba mmekọahụ ume na ndị ikom na.
8. Ahụekere ọtụtụ ndị na-dị ihe. Nke a nwere L- arginine amino asịd nke nwekwara boosts elu mmekọahụ agbọghọbịa na-ekwusi ike na erection na ndị ikom na.
9. Unere na-a maara nke ọma mkpụrụ iji melite ume larịị ke men.it nwere enzyme na-akpọ bromelain. Nke a enzyme mma potency, libido na-ọbara flow.it bụ mkpụrụ bụ nke na-ọgaranya vitamin B. N'ihi na nke a ọ na-enwekwu ndị ike larịị nke ahụ mgbe gị mmekọahụ timings.
Home ịgba akwụkwọ mbo mbuli mmekọahụ ume:
Ọ bụrụ na ị na-ahụ na akaghi aka ejaculation na gị na ị na-enweghị ike anọ na bed maka ogologo. Mgbe ahụ ebe a bụ ụfọdụ ụlọ ịgba akwụkwọ na ị nwere ike mfe eso mbuli elu gị ume.
Iji zere impotency na-na e nwere ụfọdụ herbal ịgba akwụkwọ.
1. Were ụfọdụ sesame mmanụ ma tinye 4-5 tụlee nke mustard mmanụ na ya. Mix ndị a mmanụ. Ịhịa aka n'ahụ gị amụ na nke a kwadebere mmanụ nwayọọ. Nke a ịhịa aka n'ahụ nwere a kpo oku mmetụta nke ga-enyere iji zuru ike na ọbara arịa. Nke a ga-melite ọbara ji eruba amụ otú rụọ gị mmekọahụ ume.
Nke a ịhịa aka n'ahụ ga-rụrụ fọrọ nke nta 1 Ọrụ Nchịkwa. before the sexual activity .But remember one thing wash your oiled penis beforehand. For this massage even some medicated Ghee can be used. Like the ashwagandha ghee or the shatavari ghee.
2. Take ½ tsp of Ginseng along with cows or goats milk. Take this after lunch and dinner. This remedy will also help you to avoid any prior ejaculation.
3. Were ụfọdụ 5-10 almọnd and soak it overnight.in the morning peel it off and blend them with 1 cup of cow’s milk. Add a pinch of ginger, cardamom and saffron to it. Drink this almond milk every day. Nke a ga-enye nnọọ aka maka iwuli elu ume na ndị ikom na.
4. Tee ụfọdụ Ashwagandha mmanụ kpọmkwem n'elu amụ. Ị pụrụ ọbụna aka gi amụ na a na mmanụ. Ịhịa aka ga-amụba ọbara eruba na ga melite mgbasa. N'ihi na nke a ume ga-wuru elu.
5. Omume na-aṅụ otu iko mmiri ara ehi na saffron na ya. Aṅụ a mgbe ọ bụla n'abalị. Saffron Ihe na aphrodisiac ọ bụkwa ọrụ dịkwuo spam ọnụ na ndị ikom na.
6. I nwekwara ike ile n'enyemaka nke ụfọdụ tii mere na herbal ogige dị ka jatamamsi, Brahmi na shank pushpi. Were a ogige ke hà n'ike-n'ike. Were 1/2 tsp nke a ngwakọta na-eme ka a tii si na ya. Aṅụ a tii tupu bed.it ga-enyere iji belata mmetụta uche ọ bụla ma ọ bụ n'ahụ nchegbu.
7. Were ụfọdụ 2-3 cloves nke Galiki. Mee ka ọ bụrụ àgwà ka na-ata ha kwa ụbọchị. Nke a ga-enyere gị aka inwetakwu ma ọ bụ na-emeso gị mmekọahụ impotency.
8. Yabasị na-ọzọ nri item.it mma nwoke na nwanyị akụkụ arụ ọrụ. Ọkacha mma na-eji na-acha ọcha eyịm.
9. Were ụfọdụ carrots na finely iri ya. Tinye 1 tablespoon nke mmanụ aṅụ na- na ya. Were a kwa ụbọchị. Nke a ga-enyere dịkwuo gị mmekọahụ agbọghọbịa na-eme ka ị na-adịru ogologo.
10. Were ụfọdụ mgbọrọgwụ ntụ ntụ nke ladyfinger na mix ya na 1 iko nke sie milk.to * Nke sie mmiri ara ehi tinye obere mishri. Aṅụ a mmiri ara ehi kwa ụbọchị. Nke a ga-nnọọ irè usọbọ maka mmekọahụ ume.
11. Were ụfọdụ mịrị amị mgbọrọgwụ asparagus. Tinye nke a ka a iko mmiri ara ehi. Aṅụ a mmiri ara ehi dịkarịa ala ugboro abụọ n'ụbọchị. Nke a ga-arụ ọrụ ma na-anwụchu ejaculation na impotency.
12. Were ụfọdụ drumstick okooko osisi ma tinye ya otu iko mmiri ara ehi. Obụpde a mmiri ara ehi iji kwadebe a decoction. Drink this decotation twice a day.
13. Were ụfọdụ black raisins and wash it in warm water. Take them now along with a glass of lukewarm wter.do this regularly.
14. Were ụfọdụ Jambal mkpụrụ. It’s an Indian herb and is readily available. Take this fruit with milk. Also add some honey to it. Take this mixture to cure any impotency.
The above remedies, advices food items are all very natural and to the point. You will see immediate effects after the implications. You will see that you have achieved greater sexual stamina for any next on bed encounter.


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Kwesịrị nọọsụ Nina Pham ikuikpe Texas Health Resources, nne na nna ụlọ ọrụ nke Texas Presbyterian Hospital, n'ihi na oké ileghara?
Nọọsụ Nina Pham
Nọọsụ Nina Pham lekọta ya ndidi, Thomas Eric Dunn, bụ onye na-nje ndị na-egbu egbu Ebola virus, ruo ọnwụ ya. Ọ lekọtara ya na ili ize ndụ ya na tupu kwesịrị ekwesị ego na ogbugba ndu e tinyere ebe iji chebe ya.
Nina Pham nanị mere ihe ndị nọọsụ na-eme kwa ụbọchị- na-arụ ọrụ arounds. Ọrụ-arounds maka ezughi oke ego, gụnyere ezughi oke staffing na akụrụngwa. Ọrụ-arounds na-agụnye teepu ma nurse nka.
Emekarị-arụpụta adịghị ọdachi na ọrụ ego n'anya mere.
Ma, ọ bụghị oge a. N'ihi na Nọọsụ Nina Pham, a kpọmkwem n'ihi nke ilekọta Mr. Dunn bụ na ọ na-butere Ebola.
Obi dị anyị ụtọ, Nina Pham ọbọhọ, ma ya fledgling ara ọrụ ugbu a sidelined. Ọ bụghị n'ụzọ zuru ezu natara ahụ ike ya, ọ bụ na-enweghị ike na-arụ ọrụ, na mmetụta ọ na ihu si Ebola ọgwụgwọ o natara na-terrifyingly amaghị.
Otu n'ime Nina si ọhụrụ mgbaàmà bụ na ntutu isi ya na-falling. Ọ na-atụ egwu na-elekọta mmadụ ihere nke ọ na e nje Ebola na ihe ebube ọ bụrụ na ọ ga-enwe ike ga-atụrụ ime ụfọdụ ụbọchị.
Nọọsụ Nina Pham ka furu efu ya nzuzo, ndụ ya dị ka ọ maara na ọ, na, mwute, ntụkwasị obi na ya na-arụrụ ọrụ.
Ya onwe ya na-arụrụ ọrụ na-eji ya dị ka a pawn ná mgbalị ha na-anapụta ha image.
Dr. Gary Weinstein na Video
Na video filmed site Dr. Weinstein, Dr. Weinstein obi ụtọ na-egosi onwe ya dị ka onye gabiga ókè solicitous dọkịta na zuru iche ejiji ajụjụ ọnụ Nina Pham. Ọ na-agba ume ya ghara ákwá mgbe handing ya anụ ahụ na-arịọ ma ọ bụrụ na o kwesịrị ihe ọ bụla.
O doro anya na video bụ a PR aghụghọ site Texas Health Resources na-egosi Nina dị ka a-eguzosi ike n'ihe na-enwe ekele na-arụ bụ onye na-rụọ ruru ha na-elekọta, na-akpakọrịta Texas Presbyterian Hospital na Nina likeable na ọmịiko image.
Nke bụ eziokwu bụ na a ọgwụ mere a mkpebi Chọọ otu n'ime ha dọkịta na-emepụta ma hapụ a film nke otu n'ime ha onwe ha ọrịa. A iri abụọ na isii afọ, medicated na dịpụrụ adịpụ ndidi a-eyi ndụ egwu ọrịa, na onye obi na-igwe na-agba okirikiri (ma ọ bụrụ na ọ bụghị na-ata ahụhụ site na Post na-akpasasị uche Nchegbu Ọrịa) onye dị nnọọ na-ele ya ime na-anwụ site Ebola.
Texas Presbyterian Hospital
Texas Presbyterian Hospital gosiri a enweghị onye ndú na emeghị meghachi omume na ngwa ngwa mgbe na nsogbu nke a na-egbu egbu virus, ná mmalite na-ahapụ ha nọọsụ chepụta ihe na-eme.
Ọzọ, ha na-emepụta na wepụtara a video nke a oké ọrịa, nnọọ ngwangwa ndidi. Ònye na-eme ka onye na-arụ ọrụ.
Mgbe ahụ na ha emeghị proactively gbochie a prediktebul ikpe si kwuru na-arụ.
N'eziokwu, (kwuru?) ha na-adịghị na-egosi adept na nsogbu management.
Nọọsụ Nina Pham Mkpebi Sue
O kwesịrị iji kpọpụ? Ma eleghị anya, mma ajụjụ bụ: “Gịnị ka Nọọsụ Nina chọrọ, na ọ ga-enweta ya site na usoro iwu?” paraphrased sidougkempf
Mgbe ụfọdụ nējide ndị kpee nējide onwe-ihe, akwali a ọchịchọ guzoro ha onwe onye kweere ma ọ bụ ụkpụrụ.
Mgbe ụfọdụ ziri ezi ndị mmadụ kpee ikpe ziri ezi, na iji gbochie otu si na-eme ka onye ọzọ.
Mgbe ụfọdụ Merụrụ Ahụ ndị ezi ezi kpọpụ inwetaghachi ego losses na-atụ anya ego losses.
Ma mgbe ụfọdụ ndị mmadụ iji kpọpụ ha n'ihi na ha na-gabiga ókè na-enwe mmetụta ndị ga-eji ha, na ndị na-adịghị ha mma obi.
N'agbanyeghị, e nwere a nkpoda price ga-akwụ ụgwọ.
- Ga-suing ya n'ọrụ pụtara na ọ dịghị ọgwụ ga-ebi iku Nọọsụ Nina Pham?
- Ga mmezi (na N'ezie a ga-akwụsị na nke ikpe mmezi na Baịbụl ekwughị okwu) dechapụ trauma na Texas Health Resources’ hardball ọkàiwu ga na-erubere Nina ka?
- Ọ ga--ekwesị ogologo, mmasị-esi obi omume n'ihu? Gịnị ga-utịp-na ahụ ike ya?
- Ọ bụrụ na ọ na-aga n'ụlọikpe, ga-nurse ọrụ nke Texas Presbyterian-agba akaebe na na Nina n'ihi?
My obi na-apụ na-eto eto Nọọsụ Nina Pham, onye site na mba kpatara nke ya, hụrụ onwe ya na anya nke oké ifufe ahụ. My olileanya bụ na o nwere ndị enyi na ezinụlọ ndị na-enye ndụmọdụ amamihe na- enyere ya aka ime ka mkpebi ndị kasị mma maka ya dị ka ọ na navigates oge a ná ndụ ya.
Gụọ Nọọsụ Eye Roll Kati si Open leta Nina ebe a, na-akpọ ndị nọọsụ na-akwado anyị ibe.
Related Posts: Nọọsụ Akụkọ
Gịnị bụ echiche gị? Kedu ihe ị ga-eme?
Ruo mgbe oge ọzọ enyi,
Nọọsụ Beth


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text:
Efrata
- àkwá
- 5 intere
- semola
- 500 gr
- ire ere
- un pizzico
- olio evo
- un cucchiaio
- lardo di Arneis
- 150gr
- castagne pulite
- 150gr
- sage
- 3 foglie
- butter
- 80gr
- Grappa Prime Uve
- mezzo bicchiere
Pappardelle na mmanu abuba, chestnuts na grappa mbụ mkpụrụ vaịn
Dose 6 NDỊ mmadụ
Nkwadebe
N'ihi na pappardelle
Mix àkwá, ntụ ọka, ire ere, mmanụ, vigorously ruo mgbe a ezigbo onye na homogeneous uka.
N'ihi na ndị na-erughị ahụmahụ iji nnukwu nnukwu efere zere soiling n'ebe nile.
A sfogliatrice, ma ọ bụ a Rolling pin, Nyefee na mgwakota agwa oké 2 mm odika.
Mgbe ahụ bee n'ime ibe obosara 3 cm. N'ihi na ndị na-pappardelle pasta igwe nwere ike ebipụ mfe na a mma.
N'ihi na ihendori
Na a saucepan, ala na mbara ka ọkara butter, mmanu abuba julienned
(Ibe 2 / 3mm) , na sage epupụta chestnuts.
Kwesịrị ịgbalịsi ọhụrụ chestnuts ga mbụ sie na-efunahụ ha skins.
Ozugbo ọma browned niile Efrata imenyụ ọkụ, fesaa na brandi.
M nwere ike ikwu anya ka ire ọkụ.
Igbapu na onyinye adịghị kwa akọrọ, wukwasi n'ime casserole, tinye fọdụrụ butter na-efesa na grated Parmesan.
Mix ọma na-eje ozi ka ọkụ anya.
Mejupụtara nke efere
Etinye onyinye ke ite na-akwu ndokwa ndị chestnuts na enyemaka nke a ngaji.
tinye a ole na ole sage epupụta, bee n'ime ibe.
Akụkọ nke efere na ya n'akụkọ ihe mere – Siri nri Marco Avella
Dị ka ndị mmụọ nsọ nke m efere na-agbalị na ọdịdị, na agba na flavors nke oge ndị a isi mmewere nke m menus.
Nke a na-efere a raara nye mgbụsị akwụkwọ na nwere ikike itule flavors ka ọkụ si oyi ihu igwe.
Prenota al EVO RISTORANTE
Tags: castagne Lardo di Arneis Pappardelle Parmigiano Reggiano DOP


text:
Martin Luther King, Jr.
Martin Luther King, Jr. (Önwa mbu 15, 1929 — Önwa áno 4, 1968), mgbe mbu, bu onye Amerika onye íshí üka, onye ne mmẹ mmẹ maka ńdu madu na onye íshí di mkpa nke na cẹdolu na ogẹ mbu íwú ndụ madu nke ndi Afrika nke Amerika. Ihe o mẹrẹ di mkpa na uwa bu I me ka íwú ndu na Amerika gawá na nke oma, na dé má a wúziálá onyé madu né lezí anyá élú na ya. Üka abụọ nke Ndi Eféfé Kraist húrú ya ka onye nyéré onwe ya maka Chi. Onye íshí éféfé Baptist, King mere bú onye o bu na mgbe mbu mbu ime orü ya. O mereíshí Montgomery Bus Boycott 1955 na ó nyèrè áká I ké Southern Christian Leadership Conference na afọr 1957 ya bu íshí ya. Ihe o merìrì mere ka Ije na Washington na afọr 1963 me, o bu nga ka o nyèrè okwu "I Have a Dream". Nga, o safùrù madu anya na ihe íwú madu na é jé mgbe ahu na ọ mere onwe ya na anya ndi madu ka dioka ukwu na okwu ma okwu.
na akpaaka ziri ezi site Manifesto Google Google Glass


text:
E e otutu dere banyere ịmụ Financial ịme ngosi uwe na ọtụtụ n'ime ha bụ kpọmkwem otu. Nke a post aga karịrị emebu gibberish na ịchọpụta uru Financial ịme ngosi uwe dị ka na-eji Investment Bankers na Research nnyocha. Na nke a Free Online Financial ịme ngosi uwe Ọzụzụ Agụmakwụkwọ, M ga-ihe atụ nke Colgate Palmolive na ga-akwadebe a zuru integrated ego nlereanya site ọkọ.
This Financial Modeling Tutorial guide is over 6000 words and took me 3 izu iji wuchaa. Zọpụta a na peeji nke ga-eme n'ọdịnihu akwụkwọ na echefukwala ịkọrọ ya
Download full integrated Colgate Financial Model (edozi na unsolved ndebiri) si n'okpuru
Emewo m ka ihe dị mfe ịnyagharịa tebulu ọdịnaya gị.
- Gịnị bụ Financial ịme ngosi uwe?
- Olee otú wuo a ego nlereanya?
- #1 – Colgate si Financial Onyenwe – Historical
- # 2 – Ruru Analysis nke Colgate Palmolive
- #3 – Projecting na Income Nkwupụta
- #4- Na-arụ ọrụ Capital ntọ oge
- #5 – Depreciation ntọ oge
- #6 – Amortization ntọ oge
- #7 – Ndị ọzọ na Long Okwu ntọ oge
- #8 – -Emecha Income Nkwupụta
- #9 – Onyenwereoke si hara nhatanha ntọ oge
- #10 – Mbak ama ntọ oge
- #11 – -Emecha usoro ego Nkwupụta
- #12- Ụgwọ na Interest ntọ oge-atụ aro
- Financial ịme ngosi uwe Ọzụzụ ọmụmụ
- Free Financial Ịdị
Gịnị bụ Financial ịme ngosi uwe?
Wikipedia akowara okwu “Financial ịme ngosi uwe” dị ka ndị a –
Financial ịme ngosi uwe bụ ọrụ nke na-ewu onye nkịtị onodi (a nlereanya) nke a ata ụwa ọnọdụ ego. Nke a bụ mgbakọ na mwepụ nlereanya e mere iji na-anọchi anya (a mfe version nke) arụmọrụ nke a ego akpan owo ma ọ bụ Pọtụfoliyo nke azụmahịa, oru ngo, ma ọ bụ ihe ọ bụla ọzọ ego. Financial ịme ngosi uwe bụ n'ozuzu pụtara dị iche iche ihe dị iche iche ọrụ; akwụkwọ na-emekarị na-akọ ma ọ bụghị iji ajụjụ na ụlọọrụ ego ngwa, ma ọ bụ iji quantitative ego ngwa.
Ndị dị mfe, financial modeling means forecasting the future of the company or an asset by way of an Excel Model that is easy to understand and perform scenario analysis. Na onodu nke nkwurịta okwu anyị na ebe a, we will discuss Financial Modeling with respect to the forecasting of the future financials of the company. This free financial modeling training course will help you forecast the financial statements of the company i.e. Income Nkwupụta, Balance Sheet na ego nkịtị aga. The Excel nlereanya na-mara dị ka ihe Integrated Financial Nkwupụta Onyenwe.
Olee otú wuo a ego nlereanya?
Now that we know what Financial Modeling is, ka anyị na-ele otú a ego nlereanya a na-ewu si scrath. This detailed free financial modeling training course will provide you with a step by step guide to create a financial model.
The primary approach taken here is Modular. Modular approach essentially means that we build core statements like Income Statement, Balance Sheet and Cash Flows using different modules/schedules. Ihe bụ isi na-elekwasị anya bụ ịkwadebe nke ọ bụla n'ahịrịokwu nzọụkwụ site nzọụkwụ na jikọọ na niile na-akwado schedules ka isi okwu na ẹkụre. M nwere ike ịghọta na nke a nwere ike ọ gaghị abụ doro anya dị ka nke ugbu a, Otú ọ dị, ị ga-aghọta na nke a bụ nnọọ mfe ka anyị na-atụ anya.
You can see below various Financial Modeling Schedules / Modul -
Biko mara ndị na-esonụ -
- The isi okwu bụ Income Nkwupụta, Balance Sheet na ego nkịtị aga.
- The ọzọ schedules bụ depreciation oge, na-arụ ọrụ ego oge, intangibles oge, onyenwereoke si hara nhatanha oge, ọzọ ogologo okwu ihe oge, ụgwọ oge wdg.
- The ọzọ schedules-jikọrọ ya na ndị isi okwu ha ẹkụre
- Anyị ga-ewu a nzọụkwụ site nzọụkwụ ike ego nlereanya nke Colgate Palmolive site ọkọ.
#1 – Colgate si Financial Onyenwe – Historicals
Nzọụkwụ 1a – Download Colgate si 10K Akụkọ
“Financial models are prepared in Excel and the first steps starts with knowing how the industry has been doing in the past years. Ịghọta gara aga nwere ike inye anyị ihe ndị bara ịghọta metụtara ọdịnihu nke ụlọ ọrụ. Therefore the first step is to download all the financials of the company and populate the same in an excel sheet. N'ihi na Colgate Palmolive, ị nwere ike ibudata kwa afọ akụkọ nke Colgate Palmolive ha Investor Relation Nkebi.
Once you click on “Kwa Afọ akụkọ”, ị ga-achọta window dị ka e gosiri n'okpuru -
Nzọụkwụ 1b – Mepụta nke Historical Financial Nkwupụta Ebe M Dere
- If you download 10K of 2013, you will note that only two years of financial statements data is available. Otú ọ dị, n'ihi nzube nke Financial ịme ngosi uwe, the recommended dataset is to have last 5 years of financial statements. Please download the last 3 afọ nke kwa afọ akụkọ na jupụta akụkọ ihe mere eme.
- Ọtụtụ a ugboro, a aga-eme yiri ogbugbu na tedious dị ka ọ pụrụ ile otutu oge na ume Ọkpụkpọ na-etinye Excel ke chọrọ usoro.
- Otú ọ dị, otu onye ghara ichefu na nke a bụ ọrụ na ị na-chọrọ ime nanị otu ugboro n'ihi ụlọ ọrụ ọ bụla ma na-, populating na historicals-enyere onye na nyocha ịghọta ọnọdụ na mgbanwe na e mere na ego nkwupụta.
- Ya mere, biko adịghị ikwu nke a, ibudata data na jupụta data (ọbụna ma ọ bụrụ na i chere na nke a bụ ịnyịnya ibu ọrụ )
If you wish to skip this step, ị nwere ike ozugbo download Colgate Palmolive Historical Model here.
Colgate Income Statement with historical populated
Colgate Balance Sheet Historical Data
# 2 – Ruru Analysis nke Colgate Palmolive
A isi na-amụta Financial ịme ngosi uwe bụ-enwe ike ịrụ isi analysis. Ọ bụrụ na isi analysis ma ọ bụ ruru Analysis bụ ihe ọhụrụ n'ihi na ị, I recommend that you read a bit on the internet. M bu n'obi na-enwe indepth ruru analysis na otu n'ime ndị m na-abịa posts, Otú ọ dị, ebe a bụ a ngwa ngwa snapshot nke Colgate Palmolive oke
Nzọụkwụ 2a – Vetikal Analysis nke Colgate
On ego nkwupụta, vertical analysis is a universal tool for measuring the firm’s relative performance from year to year in terms of cost and profitability. It should always be included as part of any financial analysis. Ebe A, percentages are computed in relation to net sales which are considered to be 100%. This vertical analysis effort in the income statement is often referred to as margin analysis, ebe ọ bụ na ọ na-amịrị ndị dị iche iche dị n'akụkụ peeji na mmekọrita ahịa.
Vetikal Analysis Nsonaazụ
- Gross uru oke abawanyele site 240 ndabere ihe si 56.2% na 2007 ka 58.6% na 2013. Nke a bụ n'ụzọ bụ isi n'ihi na mgbada n'usoro-efu nke Ahịa
- Ịwa uru ma ọ bụ EBIT egosiwokwa mma n'akụkụ peeji si otú na-amụba site 19.7% na 2007 ka 22.4% na 2012 (mmụba nke 70 ndabere ihe). Nke a bụ n'ihi na mgbada n'usoro Ịkpọsa n'ozuzu na nhazi akwụ ụgwọ. Otú ọ dị, mara na EBIT n'akụkụ peeji ebelata ke 2013 ka 20.4% ruru ntọt “Mmefu ndị ọzọ”
- Net uru oke mụbara site na 12.6% na 2007 ka 14.5% na 2012. Otú ọ dị, Net uru oke na 2013 ebelata ka 12.9%, isi ruru ụba “mmefu ndị ọzọ”.
- Enwetakwa Kwa òkè ka nwayọọ nwayọọ na-amụba site FY2007 ruo mgbe FY2012. Otú ọ dị, na e nwere ntakịrị itinye na EPS nke FY2013
- Ọzọkwa, mara na Depreciation na Amortization na iche iche nyere na Income Nkwupụta. Ọ a gụnyere na-efu nke Ahịa
Nzọụkwụ 2b – Kehoraizin Analysis nke Colgate
Kehoraizin analysis bụ a Usoro e ji mee inwale ọnọdụ karịrị oge site Mgbakọ pasent abawanye ma ọ bụ mbelata ikwu na a isi afọ. Ọ na-enye ihe gbasara nyocha njikọ n'etiti ndekọ gbakọọ dị iche iche ụbọchị iji ego dị iche iche na ịzụta ike. Na mmetụta, a analysis index dị iche iche ihe ndekọ na-eji tụnyere evolushọn nke ndị a karịrị oge. Dị ka vetikal analysis ụkpụrụ, mbipụta ga elu na mkpa-nyochaworo na complemented na ego ndị ọzọ analysis usoro. Na-elekwasị anya bụ anya n'ihi na mgbaàmà nke nsogbu na ike ga-chọpụtara na iji ọzọ usoro.
Ka anyị leba anya ná kehoraizin analysis nke Colgate
Kehoraizin Analysis Results
- Anyị na-ahụ na Net Sales amụbawo site 2.0% na 2013.
- Ọzọkwa mara na-emekarị efu nke Ahịa, anyị na-ahụ na ha adịghị toro otu hà nwere Ahịa.
- Ndị a kwuru bụ oké kemfe mgbe anyị na-eme ego ịme ngosi uwe
Nzọụkwụ 2C – Liquidity oke nke Colgate
- Liquidity oke tụọ mmekọrịta nke ọzọ mmiri mmiri akụ nke enterprise (ndị kasị mfe kọnvatịbụl ka ego) na ugbu a ụgwọ.
Kacha nkịtị liquidity oke na-:
Ugbu A ruru
Acid ule (ma ọ bụ ngwa ngwa akpan owo) ruru
Ego nkịtị oke
- Ntụgharị oke dị ka Receivables ntụgharị, Ngwaahịa ntụgharị na Payables ntụgharị
Key Isi nke Liquidity oke
- Ugbu A ruru nke Colgate dị ukwuu karịa 1.0 ihe niile na-afọ. Nke a pụtara na ugbu a akụ karịrị ugbu a ụgwọ na ma eleghị anya Colgate nwere zuru ezu liquidity
- Ndenye ruru nke Colgate bụ dị nso nke 0.6-0.7, nke a pụtara na Colgates ego na-ere ere na ala nwere ike ịkwụ ụgwọ dị ukwuu dị ka 70% nke ugbu a ụgwọ. Nke a anya dị ka a ezi uche ọnọdụ na-maka Colgate.
- Ego nkịtị gbasara mkpokọta okirikiri ebelata si 43 ụbọchị 2009 ka 39 ụbọchị 2013. Nke a bụ n'ụzọ bụ isi n'ihi na Mbelata ke receivables collection oge.
Nzọụkwụ 2D – Ịwa profitability oke nke Colgate
Profitability oke tụọ a ụlọ ọrụ nwere ikike n'ịwa enwetakwa ikwu na ahịa, akụ na hara nhatanha
Key Isi – Profitability oke nke Colgate
- Dị ka anyị pụrụ ịhụ site n'elu tebụl, Colgate nwere ROE nke ikpere 100%, nke pụtara na oké-alaghachi hara nhatanha ịgụ.
Nzọụkwụ 2E – Egwu Analysis nke Colgate
Site Egwu Analysis, anyị na-agbalị iji nlele ma ụlọ ọrụ ahụ si ga-enwe ike ịkwụ ụgwọ ya obere na ogologo okwu obligtations (ụgwọ). Anyị gbakọọ leverage oke na focu na ojuju nke akụ ma ọ bụ ọgbọ si akụ. Oke na-ele anya na ndị
- Ụgwọ ka hara nhatanha ruru
- Ụgwọ ruru
- Interest mkpuchi ruru
- Ụgwọ ka hara nhatanha ruru ka nwayọọ nwayọọ mụbara a elu larịị nke 2.23x. Nke a na-egosi ubara Financial leverage na ihe ize ndụ na ahịa
- Otú ọ dị, na Interest mkpuchi ruru bụ nnọọ elu na-egosi na-erughị ihe ize ndụ nke Interest Ịkwụ Ụgwọ Ndi an-kpọ.
#3 – Ịme ngosi uwe na projecting na Income Nkwupụta
The very first step in the Income Statement is to model the Sales or Revenue items.
Nzọụkwụ 3A – Revenues Projections
N'ihi na ọtụtụ ụlọ ọrụ ụtụ bụ a isi ọkwọ ụgbọala nke aku na uba arụmọrụ. A ọma e na ezi uche revenue nlereanya na-atụgharị uche n'ụzọ ziri ezi na ụdị na ichekwa revenue aga dị oké mkpa. E nwere dị ka ọtụtụ ụzọ chepụta a revenue oge dị ka e nwere ulo oru. Ụfọdụ ahụkarị ụdị na-agụnye:
- Ahịa Uto: Ahịa ibu ọtụtụ ndị chere na onye ọ bụla oge na-akọwa mgbanwe si aga oge. Nke a dị mfe ma ọtụtụ ndị na-eji usoro, ma adịghị enye nghọta n'ime components ma ọ bụ mmekọrịta nke ibu.
- Inflationary na Mpịakọta / Mix mmetụta: Kama a dị mfe ibu ọtụtụ ndị chere, a price onu oriri-akpata na-a olu na-akpata na-eji. Nke a bara uru na-enye ohere obibia ịme ngosi uwe nke ofu na agbanwe na-akwụ ụgwọ na n'ikuku ana enweta n'otutu ngwaahịa na ụlọ ọrụ na-elebara price vs olu mmegharị.
- Unit Mpịakọta, Change na nwanne, Nkezi Ahịa na Change na Ahịa: Nke a na usoro kwesịrị ekwesị n'ihi na ulo oru nke nwere mfe ngwaahịa mix; ọ kwe analysis nke mmetụta nke ọtụtụ isi variables.
- Dollar Market Size na Uto: Market Share na Change na Share - Bara uru n'ihi na ọnọdụ ụfọdụ ebe ọmụma dị na ahịa Ọnọdụ na ebe ndị a echiche ndị yiri ka ịbụ isi ka a mkpebi. Ọmụmaatụ: Telecom ụlọ ọrụ
- Unit Market Size na Uto: Nke a bụ ihe zuru ezu karịa bu ụzọ bụrụ na bụ bara uru mgbe Ịnye ọnụahịa n'ahịa bụ isi agbanwe. (N'ihi na a na ụlọ ọrụ na a price-discounting atụmatụ, ọmụmaatụ, ma ọ bụ a kasị mma nke ìgwè adịchaghị ọnụ niche ọkpụkpọ) e.g. Okomoko ụgbọ ala ahịa
- Mpịakọta Ike, Ike Itinye n'ọrụ na Nkezi Ahịa: Ndị a echiche nwere ike ịbụ mkpa ka ulo oru ebe mmepụta ikike dị mkpa ka mkpebi. (Na zuo nke ọzọ ike, ọmụmaatụ, ma ọ bụ iji chọpụta ma mmeba ga-achọ ọhụrụ idoziri.)
- Product Nnweta na Ịnye ọnụahịa
- Ego ha ga enweta chụpụrụ site ego na isi obodo, ahịa ma ọ bụ R&D
- Ego ha ga enweta dabeere na wụnye isi (iso ahịa nke akụkụ, disposables, ọrụ ma tinye-ons wdg). Examples include classic razor-blade businesses and businesses like computers where sales of service, software na upgrades dị mkpa. Ịme ngosi uwe arụnyere isi bụ isi (ọhụrụ mgbakwunye isi, attrition na isi, iso ụtụ kwa ahịa wdg).
- Ọrụ dabeere: Ọmụmaatụ, ụtụ ọkachamara ọrụ sịrị ma ọ bụ ahịa dabeere sịrị dị ka Broka. Ịme ngosi uwe kwesịrị ilekwasị anya net staffing, revenue kwa-arụ (mgbe dabeere na billable awa). More zuru ezu ụdị ga-agụnye otuto na ihe ndị ọzọ na-emetụta ịnye ọnụahịa.
- Store, owuwu ma ọ bụ Square footage dabeere: Retail companies are often modeled based on the basis of stores (ochie echekwa gbakwunyere ọhụrụ na-echekwa na kwa afọ) na revenue kwa ụlọ ahịa.
- Biri n'ime-akpata dabeere: This approach is applicable to airlines, hotels, eme fim, ụlọ na ndị ọzọ na ulo oru na ala etiti peeji akwụ ụgwọ.
Projecting Colgate ụtụ
Ka anyị anya ugbu a na Colgate 10K 2013 akụkọ. Anyị mara na ego na nkwupụta, Colgate adịghị nyere segmental ọmụma, Otú ọ dị, dị ka ihe na ozi ndị ọzọ, Colgate has provided some details of segments on Page 87
Isi Iyi – Colgate 2013 – 10K, Page 86
Ebe ọ bụ na, anyị nwere ihe ọ bụla ihe ọmụma banyere agba, anyị ga-oru ngo ga-eme n'ọdịnihu ahịa nke Colgate na ndabere nke a dị data. Anyị ga-eji ahịa ibu obibia gafee agba na-erite na amụma.
Biko lee n'okpuru foto. We have calculated year-over-year growth rate for each segment.
Ugbu a, anyị nwere ike iche na a ahịa ibu pasent dabeere na akụkọ ihe mere eme na-ewu ewu na oru ngo na ụtụ n'okpuru onye ọ bụla nke.
Total Net ahịa bụ nchikota ngụkọta nke Oral, Personal & Home Care na Pet Nutrition nke.
Nzọụkwụ 3b, NW – Akwụ ụgwọ Projections
- Pasent nke ụtụ: Dị mfe ma dịghị enye nghọta n'ime ihe ọ bụla leverage (aku na uba nke ọnụ ọgụgụ ma ọ bụ ofu eri ibu
- Akwụ ụgwọ ọzọ karịa depreciation dị ka a percent nke ụtụ na depreciation si a iche iche oge: Nke a na obibia bụ n'ezie nke kacha nta na-anabata ọtụtụ ikpe, na ikike nanị ele mmadụ anya n'ihu analysis nke ọrụ leverage.
- Agbanwe akwụ ụgwọ dabeere na revenue ma ọ bụ olu, ofu akwụ ụgwọ dabeere na akụkọ ihe mere eme na-ewu ewu na depreciation si a iche iche oge: Nke a na obibia bụ opekempe mkpa maka uche analysis nke profitability dabeere na otutu revenue ndapụta
Efu Projections maka Colgate
N'ihi na projecting na-eri, na vetikal analysis mere na mbụ ga-enye aka. Ka anyị nwee a relook na vetikal analysis -
- Ebe ọ bụ na anyị ugbua forecasted Ahịa, ndị ọzọ niile na-akwụ ụgwọ ndị ụfọdụ n'akụkụ peeji nke a Ahịa.
- The obibia bụ na-ụkpụrụ nduzi site akụkọ ihe mere eme na-eri na-efu n'akụkụ peeji na mgbe ahụ Eburu amuma n'ọdịnihu oke.
- Ọmụmaatụ, Na-eri nke Sales anọwo na nso nke 41%-42% n'ihi na n'oge gara aga 5 afọ. Anyị nwere ike lee ịkọ ndị dị n'akụkụ peeji a na-adabere.
- N'otu aka ahụ, Ere, General & Administrative Expenses have been historically in the range of 34%-36%. Anyị nwere ike iche ga-eme n'ọdịnihu SG&A efu oke na nke a. N'otu aka ahụ, anyị pụrụ ịga na ndị ọzọ na set nke mmefu.
- Iji n'elu n'akụkụ peeji, anyị nwere ike ịchọta kpọmkwem ụkpụrụ site azụ calculations.
- N'ihi na ịgbakọ ndokwa maka ụtụ isi, anyị na-eji Irè Tax Rate mwere
- Ọzọkwa, mara na anyị adịghị mezue “Interest-efu (Income)” n'usoro dị ka anyị ga-enwe a relook a na Income Nkwupụta na a gasịrị ogbo.
- Interest-efu na Interest Income kpuchie na Ụgwọ ntọ oge.
- Anyị na-adịghị gbakọọ Depreciation na Amortization nke esesịn a gụnyere ndị na-eri Ahịa
Nke a na-ahụ na Income Nkwupụta (atleast ruo oge!)
#4- Na-arụ ọrụ Capital ntọ oge
Ugbu a ka anyị na dechara Income nkwupụta, the next step in this Financial Modeling training course is to look at the Working Capital Schedule -
N'okpuru ebe na-nzọụkwụ ndị a ga-soro na-arụ ọrụ Capital ntọ oge
- Na-arụ ọrụ Capital Isi
- Mepụta na-arụ ọrụ isi obodo akara ihe
- Akwụkwọ akụkọ ihe mere eme-ọtùtù
- Gbakọọ gara aga oke metụtara na-arụ ọrụ isi obodo ihe
- Project n'ọdịnihu na-arụ ọrụ ego ọ bụla akara ihe
- Gbakọọ atumatu olu ego aga eme nke na-arụ ọrụ isi obodo ihe
- Link na itule mpempe akwụkwọ & usoro ego nkwupụta ọrụ Ibé akwụkwọ
Nzọụkwụ 4A – Link the Net Sales and Cost of Sales
Nzọụkwụ 4b – Akwụkwọ ndị Balance Sheet Data metụtara na-arụ ọrụ ego
- Ọmụmaatụ gara aga data site na itule mpempe akwụkwọ
- Gbakọọ net na-arụ ọrụ ego
- Na-abata na-abawanye / ọnụ na-arụ ọrụ ego
- Rịba ama na anyị na-adịghị gụnyere obere okwu ụgwọ na ego na ego kachasị yitebe na-arụ ọrụ ego. Anyị ga-ụgwọ na ego iche iche.
Nzọụkwụ 4C – Gbakọọ ntụgharị oke
- Gbakọọ akụkọ ihe mere eme oke na percentages
- Jiri ogwugwu ma ọ bụ nkezi itule
- Ma na-anabata dị ka ogologo oge anọgidesi na-nọgidere na-enwe
Nzọụkwụ 4D – Jupụta echiche maka ọdịnihu na-arụ ọrụ isi obodo ihe
- Ụfọdụ ihe na-enweghị ihe doro anya ọkwọ ụgbọala na-na-na-eche na mgbe nile ichekwa
- Gbaa mbọ hụ na echiche ndị ezi uche dị na na akara na azụmahịa
Nzọụkwụ 4E – Project n'ọdịnihu na-arụ ọrụ ego ọtùtù
Nzọụkwụ 4F – Gbakọọ mgbanwe na-arụ ọrụ Capital
- Na-abata na ego nkịtị aga dabeere na onye akara ihe
- Gbaa mbọ hụ na ihe ịrịba ama ndị ezi!
Nzọụkwụ 4G – Njikọ ahụ forecasted Ọrụ Capital ka Balance Sheet
Nzọụkwụ 4H – Link Working Capital to the Cash Flow Statement
Nchikota-elu: Integrated eruba na-arụ ọrụ Capital Ihe
#5 – Depreciation ntọ oge
Na ẹkụre na-arụ ọrụ ego oge, nzọụkwụ ọzọ a na Financial ịme ngosi uwe Ọzụzụ Agụmakwụkwọ bụ ngo isi obodo mmefu chọrọ nke Colgate na oru ngo na Depreciation na Akụ ọgụgụ.
Brief Summary nke Nzọụkwụ
- Mepụta achọrọ akara ihe
- Ọmụmaatụ net ahịa dị ka onye na-akwọ
- Tinye gara aga isi obodo expenditures
- Project isi obodo expenditures eme atụmatụ ihe ndị amụma oge
- Reference gara aga eyi & E ọtùtù
- Depreciation efu
- Forecasted depreciation si ẹdude eyi & Na
- Forecasted depreciation si ọhụrụ Capex
- Gbakọọ Total Depreciation efu
- Complete Net eyi & E table
- Gbakọọ mkpa oke
- Tụlee Capex na eyi & E na-eme mgbanwe (smoothen na usoro!) ka chọrọ
- Njikọ ndị na-esonụ na nlereanya:
- Depreciation efu ka Income Nkwupụta
- Depreciation na Capex ka usoro ego Nkwupụta
- Net eyi & E mee ka Sheet
Colgate 2013 – 10K, Page 49
- Depreciation na Amortization na-adịghị nyere ka a iche iche akara ihe, Otú ọ dị ya ka a gụnyere ná ndị na-eri ahịa
- N'ọnọdụ ndị dị otú, biko nwere anya na ego nkịtị eruba okwu ebe ị ga-achọta Depreciation na Amortization efu
Also note that the below figures are 1) Depreciation 2) amortization. Ya mere, ihe bụ depreciation nọmba?
- Agwụcha Balance maka PPE = Malite itule + Capex - Depreciation - mgbanwe maka gunyere Ahịa (Isi akụkụ)
Nzọụkwụ 5a – Njikọ na Net Sales onu ogugu Depreciation ntọ oge
- Ịtọlite akara ihe
- Reference Net Ahịa
- Input gara aga isi obodo expenditures
- Na-abata na Capex dị ka a % nke Net Ahịa
Nzọụkwụ 5b – Amụma Isi Obodo Mmefu Ihe
- Iji Eburu amuma na Captial mmefu, e nwere dị iche iche na-eru nso. Otu nkịtị obibia bụ ka anya na Pịa a, Management Projections, Management Nkwurịta Okwu na Analysis ngalaba ịghọta ụlọ ọrụ si ele on ga-eme n'ọdịnihu isi obodo mmefu
- Ọ bụrụ na ndị ụlọ ọrụ nyere nduzi ga-eme n'ọdịnihu isi obodo mmefu, mgbe ahụ, anyị nwere ike ndị nọmba ozugbo.
- Otú ọ dị, ma ọ bụrụ na capex ọnụ ọgụgụ ndị bụ kpọmkwem dị, then we can calculate it crudely using Capex as % nke Ahịa (dị ka mere n'okpuru)
- Jiri gị ikpe dabeere na ụlọ ọrụ ihe ọmụma na ndị ọzọ na ihe ezi uche ọkwọ ụgbọala
Nzọụkwụ 5C- Reference n'Oge Gara Aga Ozi
- We will use Agwụcha Balance maka PPE = Malite itule + Capex - Depreciation - mgbanwe maka gunyere Ahịa (Isi akụkụ)
- Ọ bụ nnọọ ike kwe gara aga Ngwongwo Osisi na Equipment (PPE) data ruru restatements, akpan owo ahịa wdg
- Ọ bụ ya mere na-atụ aro ghara kwe gara aga PPE dị ka ọ pụrụ iduga ụfọdụ confusions.
Depreciation Policy of Colgate
- Anyị arịba ama na Colgate bụghị n'ụzọ doro anya na ọ bụrụhaala na zuru ezu ndakpọ nke Akụ. Ha kama ji osisi kụgbuo niile akụ n'ime Land, Owuwu, Ígwè na ndị ọzọ na equipments
- Ọzọkwa, bara uru ndụ ígwè na akụrụngwa na-nyere nọ nso. N'okwu a, anyị ga-eme ụfọdụ ịkọ nkọ efu na-abịa ka nkezi bara uru ndụ hapụrụ maka akụ
- Ọzọkwa, guidance for useful life is not provided for “Ndị ọzọ Equipments”. Anyị ga-eme atụmatụ bara uru ndụ ndị ọzọ na Equipments
Colgate 2013 – 10K, Page 55
N'okpuru ebe a bụ ndakpọ nke 2012 na 2013 Ngwongwo, Osisi na Equipment Details
Colgate 2013 – 10K, Page 91
Nzọụkwụ 5D – Estimate the breakup of Property Plant and Equipment (PPE)
- First find the Asset weights of the Current PPE (2013)
- Anyị ga-iche na ndị a akpan owo igwe nke 2013 PPE ga-anọgide na-aga n'ihu
- We use this asset weights to calculate the breakup of estimated Capital Expenditure
Nzọụkwụ 5E – Estimate the Depreciation of Assets
- Biko mara na anyị adịghị gbakọọ depreciation nke Land dị ka ala bụ a depreciable akpan owo
- N'ihi na estimating depreciation si Owuwu ndozi, mbụ anyị na-eji n'okpuru Ọdịdị.
- Depreciation ebe a na-kewara abụọ n'akụkụ – 1)depreciation si Owuwu ndozi gunyere ama depụtara na itule Sheet 2) depreciation si n'ọdịnihu Owuwu ndozi
- N'ihi na ịgbakọ depreciation si ụlọ ndozi depụtara na akpan owo, anyị na-eji ndị dị mfe Kwụ Ọtọ Line Method nke depreciation
- N'ihi na ịgbakọ n'ọdịnihu depreciation, we first transpose the Capex using the TRANSPOSE function
- Anyị gbakọọ depreciation si akpan owo onyinye si n'afọ ọ bụla
- Ọzọkwa, afọ mbụ depreciation na-ekewa site 2 dị ka anyị iche ufọt ufọt afọ mgbakọ akpan owo nkenye ọnọdụ
Total Depreciation of Building Improvement = depreciation from the Building Improvements Asset already listed on the balance Sheet + depreciation si n'ọdịnihu Owuwu ndozi
The above process for estimating depreciation is used to calculate the depreciation of 1) Manfacturing Equipment & Ígwè na 2) ọzọ Equipments dị ka e gosiri n'okpuru.
Ndị ọzọ Equipments
Total Depreciation nke Colgate = Depreciation (Owuwu ndozi) + Depreciation (Ígwè & Equipments) + Depreciation (ọzọ equipments)
- Ozugbo anyị chọpụtara ngụkọta depreciation ọgụgụ, we can put that in the BASE equation as show below
- Na nke a, anyị ga-esi agwụcha Net eyi&E ọgụgụ nke ọ bụla n'ime afọ
Nzọụkwụ 5F – Njikọ na Net eyi&E ka Balance Sheet
Nchikota-elu: Integrated flow of the Depreciation Schedule
#6 – Amortization ntọ oge
Nzọụkwụ na-esonụ a Free Financial ịme ngosi uwe Ọzụzụ Agụmakwụkwọ bụ Eburu amuma na Amortization. Anyị abụọ sara mbara edemede tụlee ebe a – 1) Meere Amara na 2) Ndị ọzọ Intangibles.
Nzọụkwụ 6a – Ịkọ Meere Amara
Colgate 2013 – 10K, Page 61
- Meere Amara abịa na itule mpempe akwụkwọ mgbe a na ụlọ ọrụ na-enweta ọzọ ụlọ ọrụ. Ọ bụ na-ejikarị nnọọ ike oru ngo na atọ ga-eme n'ọdịnihu afọ.
- Meere Amara bụ Otú ọ dị, n'okpuru impairment ule kwa afọ nke a rụrụ site na ụlọ ọrụ ya. Nnyocha ndị na-adịghị ọnọdụ ịrụ ule dị otú ma kwadebe kwuru nke impairments
- Ọtụtụ nyocha si adịghị oru ngo amara, ha dị nnọọ na-a dị ka mgbe nile na nke a bụ ihe anyị ga-eme na anyị ikpe.
Nzọụkwụ 6B – Ịkọ ndị ọzọ Intangible Akụ
- Dị ka e kwuru na Colgate si 10K Report, n'ọnụ ọgụgụ nke oke ndụ intangible ihe jikọrọ ya na Sanex nnweta
- “Mwusawanye Intangibles "na-nnọọ ike oru ngo
- Colgate si 10K akụkọ na-enye anyị nkọwa nke ọzọ 5 afọ nke amortization efu.
- Anyị ga-eji ihe ndị a kwuru na anyị Financial Onyenwe
Colgate 2013 – 10K, Page 61
Nzọụkwụ 6C – Ending net intangibles are linked to the “Ndị ọzọ Intangible Akụ”
Nzọụkwụ 6D – link Depreciation and Amortization to Cash Flow Statements
Nzọụkwụ 6E – Link Capex & Tụkwasị Intangibles ka ego nkịtị eruba okwu
Nchikota-elu: Integrated eruba n'ime Amortization ntọ oge
#7 – Ndị ọzọ na Long Okwu ntọ oge
Nzọụkwụ na-esonụ a Financial ịme ngosi uwe Ọzụzụ n'ezie bụ iji kwadebe ndị ọzọ Long Okwu ntọ oge. Nke a bụ oge anyị na-akwadebe maka “ekpe overs” ndị na-enweghị kpọmkwem ọkwọ ụgbọala maka ịkọ.
Steps to Prepare the Long Term Schedule
- Mepụta achọrọ akara ihe
- Akwụkwọ akụkọ ihe mere eme-ọtùtù
- Amụma ọtùtù (na-mgbe nile ma ọ bụrụ na ọ dịghị ihe ọkwọ ụgbọala iji na-anọpụ iche mmetụta na ego aga)
- Gbakọọ ego nkịtị aga
- Njikọ na Balance Sheet na usoro ego Nkwupụta
Bụrụ na nke Colgate, ndị ọzọ na Long Okwu Ihe (ekpe overs) e deferred Income Ụtụ Isi (ibu na akụ), Ndị ọzọ na-akụ na ndị ọzọ na ụgwọ.
Nzọụkwụ 7a – Akwụkwọ akụkọ ihe mere eme data si Balance Sheet
Ọzọkwa gbakọọ mgbanwe ihe ndị a.
Nzọụkwụ 7b – Forcast the Long Term Assets and Liabilities
- Na-ogologo oge ihe mgbe nile maka atumatu olu afọ bụrụ na nke ọ bụla na-ahụ anya ọkwọ ụgbọala
- Njikọ ndị forecasted ogologo okwu ihe na Balance Sheet dị ka e gosiri n'okpuru
Nzọụkwụ 7C – Reference ọzọ Long Okwu ihe na Balance Sheet
Nzọụkwụ 7D – Njikọ ogologo okwu ihe na usoro ego Nkwupụta
- Biko mara na ọ bụrụ na anyị nọ na-ogologo oge akụ na ụgwọ dị ka mgbe nile, mgbe ahụ mgbanwe na-eruba ego eruba nkwupụta ga-efu.
Nchikota-elu: Integrated flow of the Other Long Term Schedule
#8 – -Emecha Income Nkwupụta
- Tupu anyị na-ọ bụla ọzọ, we will actually go back and relook at the Income Statement
- Jupụta akụkọ ihe mere eme isi dara nha nkezi mbak na diluted dara nha nkezi ọnụ ọgụgụ nke mbak
- Ndị a na ọnụ ọgụgụ ndị dị na Colgate si 10K akụkọ
Nzọụkwụ 8A – Akwụkwọ bụ isi na diluted mbak
Mgbe a na ogbo, assume that the future number of basic and diluted shares will remain the same as they were in 2013.
Nzọụkwụ 8b – Gbakọọ Basic na diluted enwetakwa kwa òkè
Na nke a, anyị na-adị njikere ime ka anyị na-esote oge ie. Onyenwereoke si hara nhatanha ntọ oge.
#9 – Onyenwereoke si hara nhatanha ntọ oge
Nzọụkwụ na-esonụ a Financial ịme ngosi uwe Ọzụzụ Agụmakwụkwọ bụ anya na onyenwereoke si hara nhatanha ntọ oge. The primary objective of this schedule is to project equity related items like Shareholder’s Equity, Dividends, Share ịgbara, Nhọrọ retara wdg.
Hara nhatanha ntọ oge Isi
- Ịtọlite akara ihe na ọsọ ọsọ n'oge gara aga ọmụma
- Amụma ndị na-esonụ
- Share Repurchases
- Nhọrọ retara & ọhụrụ mbak nyere gosipụtara nhọrọ
- Dividends
- Gbakọọ agwụcha hara nhatanha ọtùtù
- Link up the Ending balances to Balance Sheet
- Ọmụmaatụ na ịgbara, nhọrọ na dividends ka Usoro ego Nkwupụta
Melite gara aga ọmụma dị ka e gosiri n'okpuru. Akụkọ ihe mere eme ọnụ ọgụgụ ndị na-esi ike ná mma na ya mere, e shaded na agba ntụ.
Colgate si 10K akụkọ na-enye anyị nkọwa nke nkịtị ngwaahịa na-edebe akụ ngwaahịa eme na afọ ndị gara aga dị ka e gosiri n'okpuru.
Colgate 2013 – 10K, Page 68
Nzọụkwụ 9A – Share ịgbara: Populate the historical numbers
- Mere, Colgate have bought back shares as we can see the schedule above.
- Jupụta Colgate si mbak ịgbara (nde) na Excel mpempe akwụkwọ.
- Njikọ akụkọ ihe mere eme EPS (diluted) from the Income Statement
- Historical Ọnụ ego gbapụtara ga-referenced si usoro ego nkwupụta
Nzọụkwụ 9b – Share ịgbara: Gbakọọ Pee multiple (EPS multiple)
- Calculate the implied average price at which Colgate has done share repurchase historically. Nke a na-gbakọọ dị ka ego na agbapụtawo / Number mbak
- Gbakọọ Pee multiple = echiche Share Ahịa / EPS
Nzọụkwụ 9C – Share ịgbara: Ịchọta Colgate si Share gbapụtara
Colgate has not made any official announcement of how many shares they intend to buyback
The only information that their 10K report shares is that they have authorized a buy back of upto 50 nde mbak.
Colgate 2013 – 10K, Page 35
- Iji chọta ọnụ ọgụgụ nke mbak zụtara azụ, we need to assume the Share Repurchase Amount. Dabere na akụkọ ihe mere eme ịgbara ego, M emeela nke a ọnụ ọgụgụ dị $1,500 nde maka niile ga-eme n'ọdịnihu afọ.
- Iji chọta ọnụ ọgụgụ nke mbak gbapụtara, we need the projected implied share price of the potential buy back.
- Echiche òkè price = chere Pee multiple x EPS
- Future buy back PE multiple can be assume on the basis of historical trends. Anyị arịba ama na Colgate ka zụtara azụ mbak na nkezi Pee nso nke 17x – 25x
- N'okpuru ebe bụ snapshot si Reuters na-enyere anyị isi. Pee iche maka Colgate
www.reuters.com
- Na anyị ikpe, M chere na niile ga-eme n'ọdịnihu buybacks nke Colgate ga-abụ na a Pee otutu nke 19x.
- Iji Pee nke 19x, anyị nwere ike ịchọta echiche price = EPS x 19
- Ugbu a, na anyị hụrụ ndị echiche price, anyị nwere ike ịchọta ọnụ ọgụgụ nke mbak gbapụtara = $ ego ji mee ihe maka ịgbara / echiche price
Nzọụkwụ 9D – Stock Nhọrọ: Populate Historical Data
- From the summary of common stock and shareholder’s equity, anyị maara na ọnụ ọgụgụ nke nhọrọ gosipụtara n'afọ ọ bụla.
- Na mgbakwunye, anyị nwekwara nhọrọ wee si na usoro ego nkwupụta (approx)
- Na nke a, anyị ga-enwe ike ịchọta irè iku price
Colgate 2013 – 10K, Page 53
Ọzọkwa, mara na ngwaahịa nhọrọ nwere contractual okwu nke afọ isii na vest karịrị afọ atọ.
Colgate 2013 – 10K, Page 69
Na nke a data, we fill up the Options data as per below
Anyị na-arịba ama na dara nha nkezi iku price nke ngwaahịa nhọrọ maka 2013 bụ $42 na ọtụtụ nhọrọ exercisable ndị 24.151 nde
Colgate 2013 – 10K, Page 70
Nzọụkwụ 9E – Stock Nhọrọ: Chọta nhọrọ retara
Ibute nọmba ndị a na nhọrọ anyị data n'okpuru, anyị mara na nhọrọ retara na- $1.014 ijeri
Nzọụkwụ 9F – Stock Nhọrọ: Forecast Restricted Stock Unit Data
Na mgbakwunye na ngwaahịa nhọrọ, there are Restricted Stock Units given to the employees with the weighted average period of 2.2 afọ
Colgate 2013 – 10K, Page 81
Populating a data na Nhọrọ dataset
N'ihi mfe n'ihi, we have not projected options issuance (M maara nke a abụghị nri ọtụtụ ndị chere, Otú ọ dị, n'ihi enweghị data, Adịghị m ewere ihe ọ bụla ọzọ nhọrọ issuances na-aga n'ihu. Anyị setara ndị a dị ka efu dị ka pụta ìhè na ndị isi awọ ebe n'elu.
Ọzọkwa, nanị ngwaahịa nkeji na-arụ ọrụ na- 2.0 nde na-aga n'ihu.
Nzọụkwụ 9G- Dividends: Amụma ndị dividends
- Amụma na-eme atụmatụ dividends iji
- Akwụ ruru
- Ofu dividend outgo
- Kwa òkè payout
- Site 10K akụkọ anyị wepụ niile n'oge gara aga ozi na dividends
- Na informatio nke dividends ugwo, anyị nwere ike ịhụ ndị dividends payout ruru = Total dividends ugwo / Mkpokọta Ego Mbata.
- M gbakọọ na dividends payout ruru nke Colgate ka hụrụ n'okpuru -
- Anyị mara na dividends payout ruru kemgbe Ndị dị nso nke 50%-60%. Ka anyị na-na-mwere nke dividends payout ruru nke 55% n'ọdịnihu afọ.
- Anyị nwekwara ike ejikọta ihe na atumatu olu Net Income si Income nkwupụta
- Iji ma ndị na atumatu olu Net Income na dividends payout ruru, anyị nwere ike ịchọta Total dividends ugwo
Nzọụkwụ 8H – Amụma hara nhatanha akaụntụ ya nile
Na amụma nke òkè ịgbara, nhọrọ retara na dividends ugwo, anyị dị njikere mezue onyenwereoke si hara nhatanha ntọ oge.
Njikọ ndị a niile ruo chọta ogwugwu hara nhatanha Balance maka onye ọ bụla afọ dị ka e gosiri n'okpuru.
Kwụpụ 9I – Link Ending Shareholder’s Equity to the Balance Sheet
Nzọụkwụ 9J – Link dividends, Share ịgbara & Options proceeds to CF
Nchikota-elu: Integrated flow of Shareholder’s Equity Schedule
Nzọụkwụ na-esonụ a na online ego ịme ngosi uwe ọzụzụ bụ ile anya mbak Oustanding ntọ oge. Nchịkọta nke mbak ama ntọ oge
- Basic mbak - n'ezie na nkezi
- Weghara gara aga mmetụta nke nhọrọ na convertibles dị ka ihe kwesịrị ekwesị
- Diluted mbak – nkezi
- Reference mbak gbapụtara ọhụrụ mbak si gosipụtara nhọrọ
- Gbakọọ forecasted isi mbak (n'ezie)
- Gbakọọ nkezi isi na diluted mbak
- Reference atumatu olu mbak ka Income Nkwupụta (echeta Income Nkwupụta Mee elu!)
- Input akụkọ ihe mere eme mbak pụtara ìhè ọmụma
- Cheta: Nke a na-oge a na-ewerekarị ike na hara nhatanha ntọ oge
Nzọụkwụ 10a – Input the historical numbers from the 10K report
- Mbak agbala (n'ezie mmezu nke nhọrọ) na mbak gbapụtara nwere ike referenced si onyenwereoke si hara nhatanha ntọ oge
- Ọzọkwa, ọsọ ọsọ dara nha nkezi ọnụ ọgụgụ nke mbak na mmetụta nke ngwaahịa nhọrọ maka akụkọ ihe mere eme afọ.
Kwụpụ 10b – Link share issuances & repurchases from Share Equity Schedule.
Basic mbak (Agwụcha) = Basic mbak (Malite) + Share Issuances – Mbak gbapụtara.
Nzọụkwụ 10C – Find the basic weighted average shares,
- anyị na-achọta nkezi nke afọ abụọ dị ka e gosiri n'okpuru.
- Ọzọkwa, tinye mmetụta nke nhọrọ & nanị ngwaahịa nkeji (referenced si onyenwereoke si hara nhatanha oge) chọta diluted dara nha Nkezi mbak.
Nzọụkwụ 10D – Link Basic & diluted weighted shares to Income Statement
- Now that we have calculated the diluted weighted average shares, ọ bụ oge anyị imelite otu ihe ahụ na Income Nkwupụta.
- Njikọ elu forecasted diluted dara nha nkezi mbak pụtara ìhè na-Income Nkwupụta dị ka e gosiri n'okpuru
With this we complete the Shares Oustanding Schedule and time to move to our next set of statements.
#11 – -Emecha usoro ego Nkwupụta
Ọ dị mkpa ka anyị na-aruzu ego eruba okwu tupu anyị ịkwaga ọzọ anyị na nke ikpeazụ oge ie. na Ụgwọ ntọ oge
Ruo mgbe a na ogbo, na e nwere nanị di na nwunye nke ihe ndị na-ezughị ezu
- Income Nkwupụta - mmasị efu / ego bụ na-ezughị ezu a ogbo
- Mee Sheet - ego na ụgwọ ihe ndị na-ezughị ezu a ogbo
N'ihi na-emecha Ụgwọ ntọ oge, we need to prepare our Cash Flow statement in a desired format.
Anyị ịgbakwunye usoro ego si Sistem Ihe na ego nkịtị eruba si Etinye Ihe ịchọta Free usoro ego maka ego Ihe.
Na Free usoro ego, anyị nwere na-elekọta ihe abụọ -
Shareholder’s Related cash flows i.e. Ịkwụ ụgwọ nke dividends, Stock Repurchases, Nhọrọ retara na ịnọgide na-a elu ego itule.
Ụgwọ Related ego nkịtị aga i.e. Ogologo okwu ụgwọ repayments, obere okwu ụgwọ repayments wdg
Nzọụkwụ 11a – Gbakọọ ego nkịtị Igba maka ego Ihe
Kwụpụ 11B – Chọta net abawanye (ibelata) na ego nkịtị & Ego nkịtị kachasị yitebe
Step 11C = Complete the cash flow statements
- Chọta afọ ọgwụgwụ ego & ego kachasị yitebe na njedebe nke afọ.
Nzọụkwụ 11D – Njikọ ego & cash equivalents to the Balance Sheet.
Ugbu a, anyị dị njikere na-elekọta ikpeazụ anyị na nke ikpeazụ oge, I.E. Ụgwọ na Interest ntọ oge
#12- Ụgwọ na Interest ntọ oge
Nzọụkwụ na-esonụ a Online Financial ịme ngosi uwe Ọzụzụ Agụmakwụkwọ bụ mezue Ụgwọ na Interest ntọ oge. Summary of the Ụgwọ na Interest - ntọ oge
- Gbakọọ ego nkịtị Igba Maka Ụgwọ Nso utịp
- Reference na n'oge gara aga ozi na Long Okwu Ụgwọ
- Jide n'aka ịbanye amanyere bụ iwu Long Okwu Repayments (na-ezo aka ịkwụ ụgwọ oge nyere na na Kwa Afọ Report ke nneme na Ụgwọ Nkebi)
- Gbakọọ forecasted Long Okwu Ụgwọ Repayments
- Gbakọọ ego nkịtị Igba Maka égbè
- Égbè = ego nkịtị ekpochapụ
- Gbakọọ Interest-efu / Income
- Rụtụ aka na nkezi ụgwọ ọtùtù
- Égbè mmasị mmefu
- Ogologo oge mmasị mmefu
- Ego nkịtị Balance maka Interest / Income
- Njikọ Up
- Forecasted mmasị efu / ego ka Income Nkwupụta
- Forecasted ụgwọ repayments / borrowings ka usoro ego Nkwupụta
- Amụma ụgwọ ọtùtù ka Balance Sheet
Nzọụkwụ 12a – Melite a Ụgwọ ntọ oge
- Akwụkwọ ego Igba Maka ego
- Akwụkwọ niile hara nhatanha na isi mmalite ndị na ojiji nke ego
Kwụpụ 12b – Gbakọọ ego nkịtị Igba si Ụgwọ Nso utịp
- Akwụkwọ mmalite ego nkịtị Balance si Balance Sheet
- Iwepu a kacha nta ego itule. We have assumed that Colgate would like to keep a minimum of $500 million each year.
- Gbanwee otú Long Okwu Ụgwọ issuance / Repayments, Cash available for Revolving Credit Facility and Revolver section for now
Site Colgate si 10K akụkọ, anyị na-ahụ dị nkọwa na ọ bịara Ebe E Si Nweta eweta
Colgate 2013 – 10K, Page 35
Also provided in additional information on Debt is the committed long term debt repayments.
Colgate 2013 – 10K, Page 36
Nzọụkwụ 12C – Gbakọọ agwụcha Long Okwu Ụgwọ
Anyị na-eji ogologo oge Ụgwọ ịkwụ ụgwọ oge nyere n'elu na gbakọọ agwụcha Balance nke ogologo oge Ụgwọ Repayments
Nzọụkwụ 12D – Njikọ ogologo okwu ụgwọ repayments.
Nzọụkwụ 12E -Calculate ndị ezi uche borrowings / paydowns
Iji ego zaa usoro dị ka e gosiri n'okpuru, gbakọọ ezi uche borrowings / paydowns.
Nzọụkwụ 12F – Gbakọọ Interest-efu si Long Okwu Ụgwọ
- Gbakọọ nkezi itule maka agba gburugburu Ebe E Si Nweta eweta na Long Okwu Ụgwọ
- Make a reasonable assumption for an interest rate based on the information provided in the 10K report
- Gbakọọ Total Interest-efu = nkezi itule ụgwọ x mmasị ọnụego
Chọta Total Interest-efu = Interest (Agba gburugburu Ebe E Si Nweta eweta) + Mmasị (Ogologo oge Ụgwọ)
Nzọụkwụ 12G – Link isi ụgwọ & Revolver drawdowns to Cash Flows
Nzọụkwụ 12H – Reference Ugbu A na ogologo oge mee ka Sheet
- Demarcate na Ugbu A akụkụ nke ogologo oge Ụgwọ na Long Okwu ụgwọ dị ka show n'okpuru
- Njikọ na-agba gburugburu Ebe E Si Nweta eweta, Ogologo oge Ụgwọ na Ugbu A akụkụ nke ogologo oge Ụgwọ ka Balance Sheet
Nzọụkwụ 12I – Gbakọọ Interest Income na iji nkezi ego itule
Nzọụkwụ 12J – Link Interest Expense and Interest Income to Income Statement
Igosi na Balance Sheet ego : Total Akụ = ụgwọ + Onyenwereoke si hara nhatanha
Nzọụkwụ 12K – Audit the Balance Sheet
Ọ bụrụ na e ọ bụla ndiiche, mgbe ahụ, anyị kwesịrị oditi nlereanya na-elele ihe ọ bụla linkage errrors
Nchikota-elu: Integrated flow of the Debt & Interest ntọ oge
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Ọ bụrụ na ị mụtara ihe ọhụrụ ma ọ bụ mmasị na nke a Financial ịme ngosi uwe Ọzụzụ Agụmakwụkwọ, biko ahapụ a ikwu n'okpuru. Ka m mara ihe ị na-eche. Ọtụtụ ndị na ekele ma na-elekọta. Obi ụtọ na Ịmụta!


text:
Investopedia na-akọwa beta ka
A ụfọdụ nke volatility, ma ọ bụ Ịhazi ize ndụ, nke a nchebe ma ọ bụ a Pọtụfoliyo tụnyere ndị ahịa dị ka a dum
Beta bụ ihe dị nnọọ mkpa ụfọdụ na-eji dị ka a isi ọsọ ọsọ n'ihi ego usoro ego ma ọ bụ DCF valuations. Ke ibuotikọ emi, anyị anya na akụ na bolts nke CAPM beta –
- Okwu Mmalite ka beta
- Gịnị bụ beta?
- Key Determinants nke beta
- Nzọụkwụ site Nzọụkwụ Guide gbakọọ beta
- Levered vs Unlevered beta
- Olee otú gbakọọ beta nke ahụ adịghị na ndepụta ma ọ bụ onwe sịrị
- Ezighị ezi na-beta? Ihe Nlereanya
Okwu Mmalite ka beta
Ọ bụrụ na ị nwere a nwetụrụ nke ndumodu banyere DCF, mgbe ahụ ị ga nụrụ banyere Capital gunyere Ịnye ọnụahịa Onyenwe (CAPM) na wepụtara efu nke hara nhatanha dị ka kwa n'okpuru usoro.
Na-eri nke hara nhatanha = Egwu Free ọnụego + Beta x Egwu Premium
Ọ bụrụ na ị nụrụ beta ma, mgbe ahụ na-echegbu onwe bụghị. isiokwu a na-akọwa gị banyere beta na ọtụtụ ụzọ bụ isi isi.
Ka anyị na-otu ihe atụ: mgbe anyị na-etinye ego na ebuka, ọ bụ ma mmadụ ka eburu ebuka na-kasị elu na o kwere omume-alaghachi. Otú ọ dị, ma ọ bụrụ na otu onye achụpụkwa nanị alaghachi, ndị ọzọ kwekọrọ ekwekọ mmewere na Agbaghara i.e. Egwu.
N'eziokwu, ọ bụla na ngwaahịa na-gụrụ abụọ na ụdị ihe ize ndụ
- Non-Ịhazi Ize Ndụ na-agụnye ihe ize ndụ ndị na-kpọmkwem ka a na ụlọ ọrụ ma ọ bụ ụlọ ọrụ. This kind of risk can be eliminated through diversification across sectors and companies. . Mmetụta nke diversification bụ na diversifiable ize ndụ nke dị iche iche equities nwere ike dechapụ onye ọ bụla ọzọ.
- Ịhazi Ize Ndụ bụ ndị na ize ndụ na-emetụta n'ozuzu ngwaahịa ahịa. Ịhazi ize ndụ-apụghị mitigated site diversification ma a pụrụ ghọtara site otu ihe dị mkpa n'ihe ize ndụ ụfọdụ a na-akpọ ka “Beta”
Gịnị bụ beta?
Basic akowa nke beta – Beta jikoro na ngwaahịa ize ndụ na mmekọrita bịa ahịa.
- Ọ bụrụ na beta = 1: Ọ bụrụ na beta nke ngwaahịa bụ otu, mgbe ahụ, ọ nwere otu larịị nke ihe ize ndụ dị ka ngwaahịa ahịa. N'ihi ya, ma ọ bụrụ na ngwaahịa ahịa (NASDAQ, NYSE wdg) adahade site 1%, na ngwaahịa price ga-akpali site 1%. Ọ bụrụ na ndị ngwaahịa ahịa na-akpali ala site 1%, na ngwaahịa price ga-akpalikwa ala site 1%.
- Ọ bụrụ na beta > 1: Ọ bụrụ na ndị beta nke ngwaahịa dị ukwuu karịa otu, mgbe ahụ, ọ na-egosi elu larịị nke ihe ize ndụ na volatility ka tụnyere na ngwaahịa ahịa. Ọ bụ ezie na ntụziaka nke ngwaahịa price mgbanwe ga-otu, Otú ọ dị, na ngwaahịa price mmegharị ga-kama ókè. Ọmụmaatụ, assume na beta nke ABC ngwaahịa bụ abụọ, mgbe ahụ ma ọ bụrụ na ngwaahịa ahịa na-akpali site 1%, na ngwaahịa price nke ABC ga-akpali site abụọ percent (elu-alaghachi na-ebili ahịa). Otú ọ dị, ma ọ bụrụ na ngwaahịa ahịa na-akpali ala site 1%, na ngwaahịa price nke ABC ga-akpali ala site abụọ percent (si otú na-egosi elu downside na n'ihe ize ndụ).
- Ọ bụrụ na beta >0 na beta<1: Ọ bụrụ na ndị beta nke ngwaahịa bụ ihe na-erughị otu onye na ukwuu karịa efu, na ọ pụtara na ngwaahịa ahịa ga-akpali na mkpokọta ahịa, Otú ọ dị, na ngwaahịa ahịa ga-anọgide na-erughị ize ndụ na obodo. Ọmụmaatụ, ma ọ bụrụ na beta nke ngwaahịa XYZ bụ 0.5, ọ pụtara na ọ bụrụ na mkpokọta ahịa na-akpali elu ma ọ bụ ala site 1%, XYZ ngwaahịa price ga-egosi a na-abawanye ma ọ bụ ọnụ nke naanị 0.5% (obere obodo)
N'izugbe, nnukwu ụlọ ọrụ na ihe prediktebul Financial Nkwupụta na profitability ga-a ala beta uru. Ọmụmaatụ, Energy, Ezigbo nnyocha na Anoghi n'ulo oba wdg, all tend to have lower beta. Most betas normally fall between 0.1 na 2.0 ezie na-adịghị mma na elu ọnụ ọgụgụ ndị bụ na o kwere omume.
Key Determinants nke beta
Ugbu a, na anyị ghọtara beta ka a ọtụtụ nke Egwu, ọ dị mkpa ka anyị na-na-aghọtakwa na isi mmalite nke ihe ize ndụ. Beta na-adabere na otutu ihe – na-emekarị ọdịdị nke azụmahịa, ọrụ na ego leverages wdg.
N'okpuru ebe esereese na-egosi isi ihe determinants nke beta -
- Nature nke Business – The beta uru maka ike na-adabere na ụdị ngwaahịa na ọrụ awa na mmekọrịta n'ozuzu Marco-akụ na ụba na gburugburu ebe obibi. Note that Cyclical ụlọ ọrụ have higher betas than non-cyclical firms firms. Ọzọkwa, ezi uche ngwaahịa sịrị ga-elu betas karịa sịrị na-ere na-erughị ezi uche na ngwaahịa
- Ịwa leverage: The ukwuu nkezi nke ofu-akwụ ụgwọ na ndị na-eri Ọdịdị nke azụmahịa, ndị dị elu nke beta
- Financial leverage: The more debt a firm takes on, ndị dị elu nke beta ga-nke hara nhatanha na azụmahịa. Ụgwọ emepụta a ofu eri, mmasị mmefu, nke na-eme n'ebe ahịa ize ndụ
Nzọụkwụ site Nzọụkwụ Guide gbakọọ beta
Nyochasịwa na-ekwu okwu, Beta bụ a ọtụtụ nke ngwaahịa price ike mgbanwe na mmekọrita n'ozuzu ngwaahịa ahịa (NYSE, NASDAQ wdg). Beta na gbakọọ site regressing Onu mgbanwe na ngwaahịa ahịa vesos Onu mgbanwe ke n'ozuzu ngwaahịa ahịa.
Ka anyị gbakọọ beta nke MakeMyTrip (MMTY) na Market Index dị ka NASDAQ
Nzọụkwụ 1 – Download Stock Ahịa & Index Data n'oge gara aga 3 afọ
Nzọụkwụ mbụ bụ ibudata na ngwaahịa price na Index data. N'ihi na NASDAQ, ibudata dataset si Yahoo Finance
N'otu aka ahụ, ibudata kwekọrọ ekwekọ ngwaahịa price data maka MakeMyTrip atụ si ebe a.
Nzọụkwụ 2 – Ụdị ndị AFỌ & Gbanwee mmechi Ahịa
Ozugbo i ebudatara data setịpụụrụ abụọ, biko mee ndị na-esonụ nke ọ bụla n'ime data set-
- Ụdị AFỌ na gbanwee mmechi ahịa na-arịgo iji
- Hichapụ Open, High, Low, Nso & Mpịakọta Kọlụm. Ha na-abụghị achọrọ maka beta mgbawa.
Nzọụkwụ 3 – Kwadebe otu mpempe akwụkwọ nke Stock Ahịa Data & Index Data
Nzọụkwụ 4 – Gbakọọ fractional Daily Return
Nzọụkwụ 5 – Gbakọọ beta – Atọ Ụzọ
Ị nwere ike iji ma nke atọ ụzọ gbakọọ beta – 1) Ndịiche / Covariance Method 2) Ná mkpọda arụ 3) Data nlaghachi azụ
- Ndịiche / Covariance Method
Iji ndịiche covariance usoro anyị na-enweta na- Beta ka 0.9859
- SLOPE function in excel
Iji a ná mkpọda ọrụ usoro, anyị ọzọ na- Beta ka 0.9859
- 3Rebecca Method – Iji Data nlaghachi azụ
N'ihi na site na iji ọrụ a na Excel, mkpa ka ị na-aga Data Tab ma họrọ Data Analysis.
Ọ bụrụ na ị na-enweghị ike ịchọta Data Analysis na Excel, mgbe ahụ, ị chọrọ nwụnye Analysis ToolPak. Usoro a bụ dịtụ mfe: Gaa faịlụ -> Nhọrọ -> Tinye-ins -> Analysis ToolPak -> Gaa -> Lelee Analysis ToolPak -> Ọ DỊ MMA
Họrọ Data Analysis na pịa nlaghachi azụ.
Họrọ Y Input nso na X Input nso
Ozugbo ị pịa OK, ị ga-esi na-esonụ Summary Mmepụta
Dị ka e kwuru n'elu, ị ga-esi ahụ azịza nke beta na onye ọ bụla nke ụzọ.
Ọzọkwa, mara na MakeMyTrip beta bụ mkpokọta nso 1.0, Nke a pụtara na MakeMyTrip ngwaahịa ahịa nwere otu larịị nke ihe ize ndụ dị ka sara NASDAQ Index.
You may download the fully solved Beta ngụkọta oge Ebe M Dere from here.
Levered vs Unlevered beta?
Levered beta bụ beta na e dere na mmetụta nke isi obodo Ọdịdị ie. Ụgwọ na hara nhatanha ma. The beta na anyị gbakọọ n'elu bụ Levered beta.
Unlevered beta bụ beta ke ama okodorode mmetụta nke isi obodo Ọdịdị. Dị ka hụrụ n'elu, ozugbo anyị na-ewepu ego leverage mmetụta, anyị ga-enwe ike ịchọta Unlevered beta.
Unlevered beta pụrụ ịgbakọta iji na-eso usoro -
Dị ka ihe atụ, ka anyị chọpụta ihe Unlevered beta maka MakeMyTrip.
Ụgwọ ka hara nhatanha ruru (MakeMyTrip) = 0.27
Tax Rate = 30% (chere)
Beta (levered) = 0.9859 (si n'elu)
Gbakọọ beta nke ahụ adịghị na ndepụta ma ọ bụ onwe Company
Dị ka ahụwo na mbụ, Beta bụ a mgbakọ na mwepụ ụfọdụ nke ike mgbanwe nke otu ụlọ ọrụ na ngwaahịa price na mmekọrita na ngwaahịa ahịa mkpokọta. Otú ọ dị, mgbe anyị na-enyocha onwe ụlọ ọrụ (bụghị depụtara), mgbe ahụ otú anyị kwesịrị isi na-beta? N'okwu a, Beta adịghị dị, Otú ọ dị, anyị nwere ike ịchọta ihe echiche beta si yiri ụlọ ọrụ.
Echiche beta na-achọta na-eji ndị na-esonụ 3 nzọụkwụ usoro -
Nzọụkwụ 1 – Chọta niile Edepụtara Comparables onye beta si dị mfe.
Please note that the Betas that you download are Levered Betas and hence, ọ dị mkpa iji wepụ mmetụta nke isi obodo Ọdịdị. Higher ego nke ụgwọ na-egosi elu variablility na-enwetakwa (Financial leverage) nke n'aka nke na-arụpụta elu uche na na ngwaahịa ahịa.
Ka anyị iche ebe a ka anyị na-achọ ịhụ na beta nkeonwe ụlọ ọrụ, ahapụ-akpọ nke a dị ka nkịtị. Dị ka a nzọụkwụ mbụ, anyị na-ahụ ihe niile e depụtara ọgbọ ma mata ha Betas (levered)
Nzọụkwụ 2 – Unlever the Betas
Anyị ga-eji nke usoro tụlere n'elu ka Unlever na beta.
Biko mara na nke ọ bụla n'ime ndị asọmpi, ị ga-ahụ na ozi ndị ọzọ dị ka ụgwọ hara nhatanha na Tax mba. Ezie unlevering, anyị ga-enwe ike iji wepụ mmetụta nke ego leverage.
Nzọụkwụ 3: Ịkpọlite ndị beta
Anyị na-ahụ relever na beta na otu ezigbo isi obodo Ọdịdị nke ahụ nkịtị ụlọ ọrụ dị ka kọwaa site ụlọ ọrụ parameters ma ọ bụ na-atụ anya management. N'okwu a, ABC ụlọ ọrụ na-chere ka nwere Ụgwọ / hara nhatanha nke 0.25x na Tax ọnụego nke 30%.
The ngụkọta oge maka relevered beta bụ dị ka ndị:
Ọ bụ nke a relevered beta na-eji maka ịgbakọ-efu nke hara nhatanha nke n'onwe ụlọ ọrụ.
Gịnị a na-ezighị ezi beta Pụtara?
Ezie na n'elu ikpe anyị hụrụ na beta karịrị efu, Otú ọ dị, e nwere ike ịbụ ebuka na-adịghị mma betas. Theoretically, na-ezighị ezi beta ga-apụta na ngwaahịa na-akpali ndị na-abụghị ntụziaka nke mkpokọta ngwaahịa ahịa. Ọ bụ ezie na, ndị a ebuka bụ ọnụego, ma ha na-eme adị. Ọtụtụ ụlọ ọrụ ndị na-n'ime gold ịkwụsị nwere ike na-adịghị mma betas n'ihi na ọlaedo na ngwaahịa ahịa akpali ndị na-abụghị direction. International ụlọ ọrụ nwekwara ike nwere ọjọọ beta ka ha azụmahịa maynot ozugbo jikọrọ anụ ụlọ aku na uba.
Ọ bụrụ na ị na-achọ ịmata ihe ịhụ ihe atụ ụfọdụ nke na-ezighị ezi beta Ebuka, ebe a bụ usoro site na nke ị nwere ike ichu nta n'ihi na ọjọọ beta ebuka.
Nzọụkwụ 1 - Gị Yahoo Screener
Nzọụkwụ 2 – Họrọ ụlọ ọrụ na-Iyo
Ị nwere ike ịhọrọ mpaghara / ụlọ ọrụ nke gị nhọrọ. M ekemende Gold (Basic Akụrụngwa)
Nzọụkwụ 3 – Họrọ beta Ụkpụrụ Opekempe na Oke
Nzọụkwụ 4 – Pịa na Chọta Ebuka na ị ga-ahụ ndepụta dị n'okpuru
Nzọụkwụ 5 – Ụdị ndị beta kọlụm si Low Akwa
Nzọụkwụ 6 – Enwe ndepụta na-ezighị ezi Betas
Nti ekwu ọnụ ahịa Isiokwu
Gịnị ọzọ?
Ọ bụrụ na ị mụtara ihe ọhụrụ ma ọ bụ na-enwe aṅụrị post, biko ahapụ a ikwu n'okpuru. Ka m mara ihe ị na-eche. Ọtụtụ ndị na ekele ma na-elekọta. Obi ụtọ na Ịmụta!


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text:
Akụkọ nke 19: Jekọb Enwee Ezinụlọ Buru Ibu
LEGODỊ ezinụlọ a buru ibu. Ha bụ ụmụ ndị ikom iri na abụọ nke Jekọb. Jekọb nwekwara ụmụ ndị inyom. Ị̀ ma aha ụmụ ya ndị a? Ka anyị mata ụfọdụ n’ime ha.
Lia mụrụ Ruben, Simiọn, Livaị, na Juda. Mgbe Rechel hụrụ na ya amụtaghị nwa, o wutere ya nke ukwuu. Ọ kpọnyere Jekọb ohu ya nwaanyị bụ́ Bilha. Bilha wee mụta ụmụ abụọ, a na-akpọ ha Dan na Naftalaị. Lia kpọnyekwara Jekọb ohu ya nwaanyị bụ́ Zilpa. Zilpa wee mụta Gad na Asha. N’ikpeazụ, Lia mụrụ ụmụ abụọ ọzọ, bụ́ Ịsaka na Zebulọn.
Rechel mụrụ otu nwa n’ikpeazụ. Ọ kpọọ aha ya Josef. Anyị ga-amụkwu ọtụtụ ihe banyere Josef ma e mesịa, n’ihi na ọ ghọrọ onye dị mkpa. Ndị a bụ ụmụ iri na otu ndị a mụụrụ Jekọb mgbe ya na Leban nna Rechel bi.
Jekọb nwekwara ụmụ ndị inyom ụfọdụ, ma ọ bụ naanị otu ka Bible kpọrọ aha ya. Aha ya bụ Daịna.
Oge ruru mgbe Jekọb chọrọ ịhapụ Leban iji laghachi Kenan. Ọ kpọọrọ ezinụlọ ya buru ibu na nnukwu ìgwè anụ ụlọ ya malite njem ahụ dị anya.
Mgbe Jekọb na ezinụlọ ya laruru Kenan ma nọtụ nwa oge, Rechel mụrụ nwa nwoke ọzọ. Ọ mụrụ ya mgbe ha na-eme njem. Ime a bịara siere Rechel ike, o wee nwụọ mgbe ọ na-amụ nwa. Ma ọ dịghị ihe mere nwa ọhụrụ ahụ. Jekọb wee kpọọ aha ya Benjamin.
Anyị kwesịrị icheta aha ụmụ iri na abụọ Jekọb, n’ihi na mba Izrel dum sitere na ha. N’ezie, a kpọkwasịrị ebo iri na abụọ nke Izrel aha ụmụ iri Jekọb na ụmụ abụọ Josef. Aịzik nọrọ ndụ ọtụtụ afọ mgbe a mụsịrị ụmụ ndị a niile, ọ ghaghịkwa inyewo ya obi ụtọ inwe nnọọ ọtụtụ ụmụ ụmụ. Ma, ka anyị lee ihe mere nwa agbọghọ bụ́ Daịna, nwa nwa Aịzik.
Jenesis 29:32-35; 30:1-26; 35:16-19; 37:35.
Ajụjụ
- Gịnị bụ aha ụmụ nwoke isii nwunye mbụ nke Jekọb, bụ́ Lia, mụụrụ ya?
- Olee ụmụ nwoke abụọ ohu nwaanyị Lia, bụ́ Zilpa, mụụrụ Jekọb?
- Olee aha ụmụ nwoke abụọ ohu nwaanyị Rechel, bụ́ Bilha, mụụrụ Jekọb?
- Olee aha ụmụ nwoke abụọ Rechel mụrụ, ma gịnị mere mgbe ọ mụsịrị nke abụọ?
- Dị ka anyị na-ahụ na foto a, ụmụ ole ka Jekọb nwere, gịnịkwa ka e si n’aka ha nweta?
Ajụjụ ndị ọzọ
- Gụọ Jenesis 29:32-35; 30:1-26; na 35:16-19.
Dị ka aha ụmụ 12 nke Jekọb na-egosi, olee otú e si agụkarị ụmụ nwoke ndị Juu aha n’oge ochie?
- Gụọ Jenesis 37:35.
Ọ bụ ezie na ọ bụ naanị Daịna ka a kpọrọ aha na Bible, olee otú anyị si mara na Jekọb mụrụ ihe karịrị otu nwa nwaanyị? (Jen. 37:34, 35)