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Earlier this month I reported in my August pamwezi kukula lipoti that this 6 amwezi umodzi blog anaposa 10k pamwezi wapadera alendo. Monga ena a inu anati, izi zinali pang'ono ndi chintchito.
And it’;s true.
Even if you look at Matthew Woodward’;s monthly reports, inu ';ll see he doesn’;t surpass 10k uniques per month until month 8 (ngakhale Mat nayenso opangidwa njira Cuma cambiri, imelo olembetsa, and runs his blog as a full on business –; Sindi).
Choncho inde, traffic is certainly not the whole story –; Kwenikweni izo Nthawi zambiri zambiri za zachabechabe mawerengetsedwe kuposa chirichonse. But it’;s also nice to have, ndipo ndidzakuwonetsa kenako mu positi, izo kumasulira kwa ndalama.
Ichi ndi chifukwa ambiri correlates ndi masinthidwe ndipo kenako zambiri pogula, kudzitengera magalimoto ndi khalidwe.
Ndiyeno kodi ine izo?
I was going to do a bit of a general post about mlendo lolemba, kumanga ma imelo mndandanda, ndi zina, koma kenako ndinaganiza tikangolowa kwa anabala mafupa choonadi. Kodi wina wosakwatiwa malo nkhani pafupifupi 50% wanga magalimoto.
Think it’;s impossible? Choncho ndikunama, kamodzi. Pamenepo, Ndikukumbukira kuwerenga pa positi ndi Brian Dean pa OKDork.com, pamene analemba momwe iye anapezera 40k akulimbana ndi alendo basi 20 nsanamira.
If you search for the word “;impossible”; on that post you’;ll be taken to the very comment I left a few months ago, pamene ine ndinakuuzani Brian Ine ndinaganiza chinali pafupifupi mathematically nkovuta kuchita chinthu choterocho. Ndipo ndine pano lero, osati kwenikweni pa mlingo, koma mochuluka kapena mochepa kutsimikizira mfundo.
Nayi njira yanga magalimoto gwero August: Monga mukuwonera, 48% akubwera kuchokera positi 500 Ways To Ndalama Online, limene linatulutsidwa pamene blog anapezerapo mu March (kotero zonsezi magalimoto zimakhala organic). Mwachidule, popanda Ndemanga blog kuti ngakhale theka la zimene lero.
Tsopano, ambiri a inu mwina mwaona kuti positi, ndi mfundo ndi, izo ';s a very solid post. But you know –; Ndili ndi zambiri ena olimba kwenikweni nsanamira kwambiri. Pamenepo, check out any of my mtheradi atsogoleri and you’;ll see that just a much time and effort, Nthawi zina zambiri, went into producing those as did the Ndalama Online post.
So how is it that those don’;t produce nearly as much traffic as that one does?
Apadera ndi bwino
Pano ';s the thing about the 500 Ways To Ndalama Online post. Iwo iwombela pa mpikisano kutali. Google any other njira ndalama Intaneti post, ndipo, zokonda pambali, izo ';s far and away the best post out there.
Mwina pali mabuku kunja uko omwe ali womveka, but they aren’;t online for free. Kuwonjezera, mwina awo ndi munthu nsanamira kumeneko kuti pomveka enanso (maybe you don’;t want 500 njira), koma anthu ambiri amene Googling nkhaniyo, izi malo ali onse.
What about my other “;mtheradi atsogoleri”;, mupempha? Chabwino, ambiri a iwo ndi kwamphamvu nsanamira. Onani The okhazikika Guide Kuti mlendo kukhoma Pakuti Magalimoto Kupeza Bwererani Alendo: The okhazikika Guide Kuti Dzina kuyezetsa Anu Website
Ine ndikuyembekeza ochuluka anthu amanena kuti nawonso bwino lolembedwa ndi mabuku nsanamira. But here’;s the thing, Google anthu yeniyeni chomwecho maudindo, ndipo inu mukuona gulu la kwambiri chabwino, koma palimodzi chimodzimodzi nsanamira. Mfundo ndi, just about every serious blogger and their mother has an Ultimate Guide To Mlendo kukhoma, chifukwa mlendo lolemba is such an integral part of good content marketing.
Ndipo, pamene ine zingakhale pang'ono bwino kapena pang'ono kuposa awo, Anthu ambiri, they’;re about equal. Iwo ';s like shades of grey. Ndicho, they both solve the problem and discuss the topic in enough depth so that everyone’;s happy.
500 Njira ndalama Intaneti does it differently. Another great example of a post that rocks it is Brian Dean’;m Google la 200 Kusanja Zinthu: The Complete List From Brian’;s own words, pano ';s how he decided to tackle that post:
Ine ndinali kuona kunja zotsatira ochepa Keywords zokhudza Google a achinsinsi kusanja mfundo, ngati "Google kusanja" ndi "Google la kusanja zinthu". Tsamba lino ndi Vaughn a 1 Pagers anali nduna, #1 pafupifupi lililonse nfundo yaikhulu kuti ine anafunafuna: Vaughn wa namulondola anali kwambiri mokwanira mwachidule Google la kusanja chizindikiro Intaneti pa mfundo. Iwo anatchula chidwi 118 kusanja mfundo.
Chinthucho, Google watsimikizira kangapo konse kuti ntchito pa 200 kusanja mfundo. Choncho pamene chinacho 82? Chabwino pamene ndinaganiza yokulungira yanga n'kuyamba kupeza akulimbana pa positi kuti mukulemba pena pake zonse 200.
Iwo ';s really the same story, isn’;t it? Iye anapeza kuti pamwamba positi, pamene uthenga, anali pa chilemba. Iye akhoza kulenga positi kuti anali kwenikweni kawiri ngati ulamuliro champ, ndipo izo mwa njira imene anali motero palibe amene anganyoze.
Monga mukuwonera, zimenezi ntchito makamaka bwino mndandanda nsanamira, chifukwa wopambana ndi bwino (ikuluikulu chiwerengero). Ndipo monga ukuonera, malo analandira zikwi magawo, N'zosakayikitsa akuimira kwambiri gawo Mr. Dean’;s traffic.
Market Kukula
Pamene kampani akulingalira kuchuluka kwa kuyamikira kampani pa, kawirikawiri kuyang'ana kukula kwa msika. Kuti zinakhala ndi, ngati ine ndingakhoze kokha analanda ×%, lalikulu bwanji ndingatani?
Pali kusiyana kwakukulu pakati 1% a 10 miliyoni, ndipo 1% a 1 miliyoni, ndipo pamene inu angaganize kuti 1% a 10 miliyoni dola kumsika ndi kovuta kuposa 1% wa miliyoni dola msika, it isn’;t necessarily 10 nthawi molimba.
M'mbali zina, positi kuwerengera ndi ofanana. Tayang'anani pa nfundo yaikhulu mabuku kwa 4 posts we’;ve examined: Monga mukuwonera, msika kukula kwake (monga adzaweruzidwa ndi nfundo yaikhulu buku) pakuti Keywords ndalama Online ndi Google kusanja Zinthu ali 2 -; 10x larger than the other two mtheradi atsogoleri I did.
Apanso, they may be more competitive and it’;s hard to say how much, koma chapamwamba malire ndi chapamwamba malire ndipo ziyenera kuganizira.
Pamenepo, kuno zina mwa ambiri Keywords kuti positi tithe ndi zichokela ku magalimoto (ichi mzaka 30 masiku) Monga mukuwonera, kukula kwa msika, komanso zosiyanasiyana zimene munthu angathe akuti chomwecho cholinga, limalola wosiyanasiyana ya Keywords Udindo kwa.
Pakufalitsa
Yoyamba magawo awiri ayenera zomveka. Apeze malo mutu ndi wamkulu mokwanira pamsika, wololera mpikisano, ndiyeno inu mosabisa kunja afafanize ndi nsanamira kuti palibe amene amati ndi wamphamvu. Koma ndiye muli ndi kuuza aliyense.
Brian zikuluzikulu proponent ofalitsa Uthenga Wabwino, he’;s calls his method the Skyscraper Technique, and I can’;t agree more. In fact the main difference between my post on njira ndalama Intaneti versus the other two, sanali mmene khama ine mu kupanga positi, koma mmene khama ine mu kuuza anthu za positi.
Pakuti starters, pamene ine anayamba blog, I told everyone about this “;epic”; nsanamira ndinali chabe olembedwa. Email anapita pang'ono monga chonchi: Ndiyeno panali aliyense amene ndinali zinkapezeka positi: Ndiyeno kumene ine anagonjera kwa gulu la malo
Ndipo ine ndinachita ochepa zinthu zina, monga tweeting kuti okhudza nkhani, ndipo emailing anthu amene analemba zokhudzana nsanamira.
Mwachidule, Ine ndiri nawo malo uko aliyense njira ndikanatha, and that’;s what got it hundreds of shares even though the blog had little traffic at this time.
Koma kodi ROI?
Ozizira, kotero kuti inu mumvetsa kwambiri magalimoto kuchokera positi. Ndiye? Nanga magalimoto zabwino? Makamaka poganizira Ine ngakhale kugulitsa chirichonse pa webusaiti. Kuti ndi chilungamo mfundo, as this site is probably under monetized since I don’;t sell any info products or offer any services.
Kuti ';s partly the reason why I was originally considering to make that post a paid ebook that I would sell for say $9.99 pa Amazon.
So very glad I didn’;t do that –; and here’;s why.
Ndiroleni ine ndikupatseni inu mtheradi, kokha osachepera (ndiwofatsa) kumbuyo kwa envelopu mawerengedwe a Bwererani Pa Investment ankalemba zimenezi mmodzi positi. Choyamba, kodi kungamandiwonongere, in terms of time and resources?
Resources kulemba kuti Post
Ine outsourced ndithu pokha izo, and I’;m going to ballpark the cost at around $100. Kuti ';s the cost of hiring an assistant to perform the research, mtundu positi, kupeza Othandizana Nawo mapulogalamu, pakufalitsa, ndi zina. Kwenikweni, $3.33/HR, chifukwa 33 maola ntchito.
Koma nthawi yanga, ngakhale ndinatha outsource ndithu zochuluka za izo, izo apobe ine pang'ono ndithu anga nthawi. Let’;s say 20 maola. Choncho 20 maola $100 -; kodi ine? Popeza tsamba limaimira 50% wanga magalimoto, komanso limaimira 50% wanga imelo kutembenuza (awa ballpark anene, I ';m assuming that the page converts around about average, zimene ndi zabwino mokwanira).
Unfortunately I’;ve been messing with my Google Analytics goal conversions recently so I can’;t be more exact than that. Mwina munawerenga wanga posachedwapa nsanamira za mumapezera $108 Mu August Pogwiritsa Pambuyo Zotsatsa, amene anathamangitsidwa kwathunthu mwa imelo chizindikiro analoweza. Kutanthauza malo kwenikweni zinandichititsa za $50 mu August. Ndipo kodi ayenera kukhala pafupi $100 mu September, amene apitiriza kukhala mwezi kumadziimba malinga ngati awa mfundo amagwira:
- I continue to use Pambuyo Zotsatsa
- Iwo akupitiriza galimoto mofanana ndalama
- Ambiri malo akupitiriza galimoto mofanana magalimoto / kutembenuza
Izi ndi chilungamo mfundo. Ndicholinga choti $100 Msungidwe kuphatikiza 20 maola nthawi yanga, ndi ndiwofatsa kafukufuku, akanakhoza conservatively Net ine kuzungulira $1050 mu chaka chamawa (~ $ 50 / ora). Kuphatikiza onse anawonjezera ubwino kutentha, kwambiri magalimoto ndi zina olembetsa!
Kupeza kupotokola?
Oh online marketing –; Nthawi zonse kupiringizika kumapeto.
Atalemba izi malo mu September ine icho kukhala mu mzere kusindikizidwa, and then a “;funny”; chinthu chichitike.
Wanga blog Zikuoneka kuti anagundidwa ndi Google Chosintha ndi ine anataya yabwino ndalama wanga organic magalimoto!
Mwachibadwa pamene ndinaona dontho, pomwe kuzungulira Google Updates kuti anali adagulung'undisa kunja, Ndinayamba kufufuza Ndani.
Kumene, anayenera kukhala wanga 500 Ways T0 Make Money Online post –; monga ababace anga ambiri organic magalimoto amachokera.
So here’;s what it looks like now:
Monga mukuwonera, pachiyambi wa October, the post lost about half it’;s traffic –; oo!
N'chifukwa?
Ine moona mtima alibe yankho.
I haven’;t done any link building or sketchy stuff with this blog –; izo ';m 100% oyera (and I didn’;t receive any webspam messages).
Chinthu chokha ndabwera ndi uyu anali kwenikweni kukonza ku positi kuti mwina konse kukhala nawo wochuluka organic magalimoto monga kupeza.
Kuti ';s just me being hypothetical.
Ine Don ';t have a ton of experience correcting penalties and of course with no indication from Google, izo ';s just one of those things that happens, wakulanda inu modzidzimutsa, ndipo masamba ndi palibe zochita.
Ena onse blog zikuoneka kuti zabwino BTW, makamaka monga malo nawo anagwetsa.
Mapeto
So now you’;re wondering, pambuyo kudabwa kutha, ichi malo likugwirabe?
Wanga inde, and here’;s why.
Ngakhale gwetsa kumapeto, the post still delivers a very healthy amount of organic traffic to the blog –; basi ndithu ngati mmene ntchito, amene kwenikweni inali misala kuyamba ndi.
Chifukwa cha zimenezi, Ndinapita patsogolo ndi lofalitsidwa izi positi ngakhale ndi wowawasa kutha.
Tsopano, I honestly don’;t write every post on this blog, thinking about how much traffic it is or isn’;t going to bring me. Nthawi zina ndimangofuna kulemba nkhani yophunzira, kapena kukhala zothandiza, kapena kumanga wanga chikuni. Ndipo nthawizina ine basi kulemba za chirichonse chimene chani ine ndikumverera ngati, because it’;s my blog.
Koma choonadi n'chakuti ngati ndinali 100% nkhawa magalimoto, ichi ndi mtundu wa njira ndi maganizo ine kuti kaphatikizidwe.
Chifukwa kumapeto kwa tsiku, pamene 500 Njira ndalama Online KODI kutenga nthawi yaitali kulemba, if I only had three of them I’;d be doing 50% ";better”; on the blog than I’;m doing now.
Ndipo popanda kukaika, Ine analemba 3 500 Njira ndalama Online mtundu nsanamira mu nthawi yochepa kuposa zinanditengera kulemba 40 or so posts I’;ve published to date. Apamsewu ndi ROI umakuchirikiza monga chofunika. Choncho kuganizira kuti, Makamaka ngati Launch njira.


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Kodi Musafuna Kudziwa Undimomwene?
KODI undimomwene wakulonganji? Wakulonga pya mibvunzo mingasi yakufunika kakamwe inacita anthu. Panango imwe mwacitika kale mibvunzo ninga iyi:
- Kodi Mulungu asatitsalakanadi?
- Kodi nkhondo na nyatwa zinadzamala?
- Kodi ndi ninji pinacitika kwa ife tingafa?
- Kodi pali cidikhiro kwa anyakufa?
- Kodi ndinakwanisa tani kuphembera mbindibviwa na Mulungu?
- Kodi ndinakwanisa tani kugumana citsanzayo mu umaso?
Kodi munasaka kupi matawiro a mibvunzo ineyi? Mungaenda m’mabibliyoteka peno m’maloja anagulisa mabukhu, panango munadzagumana pikwi na pikwi pya mabukhu anaoneka ninga ali na matawiro. Mbwenye, kazinji kene, bukhu ibodzi na ibodzi isalonga pyakusiyana na inango. Anango asaoneka ninga ndi adidi mu ndzidzi unoyu mbwenye mwakukhonda dembuka asadzakhala akale na asalembwa papswa peno kupitirwa mbuto na anango.
Mbwenye, pana bukhu ibodzi yakuti iri na matawiro akunyindirika. Iyo ndi bukhu ya undimomwene. Yezu Kristu alonga m’phembero kwa Mulungu: ‘Mafala anu ndi udidi [“undimomwene,” Tradução do Novo Mundo].’ (Jwau 17:17) Lero tisadziwa Mafala anewa ninga Biblya Yakucena. Pa matsamba akutowerera awa, munadzagumana matawiro akukhonda nensa na akunyindirika a mibvunzo iri padzulu apa.
Kodi Mulungu Asatitsalakanadi?
PINACITISA ANTHU KUBVUNZA: Ife tisakhala mu dziko yakudzala na usumankha na kusowa ulungami. Mauphemberi mazinji asapfunzisa kuti nyatwa zinatamba ife ndi cifuno ca Mulungu.
PINAPFUNZISA BIBLYA: Cipo Mulungu asacitisa pyakuipa. Yobe 34:10 isalonga: “Mulungu nkhabe kuchita pyakuipa tayu nee pyakusowa ulinganiri tayu!” Mulungu akhali na cifuniro cadidi kwa anthu. Ndi thangwi yace Yezu atipfunzisa kuphembera: “Baba wathu muli kudzulu…dziko [‘umambo,’ NM] yanu mbidze kuna ife. Pinafuna imwe mbapichitwe pantsi pano ninga kudzulu.” (Mateo 6:9, 10) Mulungu asatitsalakana kakamwe kwakuti iye acita pizinji kakamwe towera kukwanirisa mwakulinganira cifuniro cace.—Jwau 3:16.
Onanimbo Genesi 1:26-28; Tyago 1:13; na 1 Pedro 5:6, 7.
Kodi Nkhondo Na Nyatwa Zinadzamala?
PINACITISA ANTHU KUBVUNZA: Nkhondo zikupitiriza kupha anthu azinji kakamwe kwakuti nkhabe lengeseka. Ife tonsene tisanenseka na nyatwa.
PINAPFUNZISA BIBLYA: Mulungu alongeratu pya ndzidzi unafuna iye kubweresa ntendere pa dziko yonsene yapantsi. Pantsi pa Umambo wace, utongi wakudzulu, anthu nee anadzapfunza pontho “nkhondo.” Mbuto mwace, iwo “[anadzasanduza] madipa awo kudza mipeni.” (Izaiya 2:4) Mulungu anadzamalisa kusowa ulungami na nyatwa zonsene. Biblya isapikira: “[Mulungu anadzapukuta] misozi yonsene m’maso mwawo. Kufa hakunadzakhala’po pontho tayu, nee kutsukwala, nee kulira, nee nyatwa, thangwi pya kale [kuphataniza kusowa ulungami kwa lero na pinenso] pyamala.”—Apokalipse 21:3, 4.
Onanimbo Masalmo 37:10, 11; 46:9; na Mikeya 4:1-4.
Kodi Ndi Ninji Pinacitika Kwa Ife Tingafa?
PINACITISA ANTHU KUBVUNZA: Mauphemberi mazinji adziko asapfunzisa kuti cinthu cinango nkati mwa munthu cisapitiriza kukhala maso munthu angafa. Anango asakhulupira kuti anyakufa angakwanise kuthabusa ali maso peno Mulungu asaatcinyusa mu kuathabusa kwenda na kwenda mu dzenje ya moto.
PINAPFUNZISA BIBLYA: Pa kufa, anthu asasiya kukhalapo. Koelete 9:5 isalonga: “Adafa…nkhabe chibodzi chinakhulupira iwo.” Nakuti anyakufa nkhabe dziwa cinthu, nkhabe kunyerezera, peno kukhulupira na cibodzi cene, iwo nkhabe kuthabusa—peno kuphedza—ali maso.—Masalmo 146:3, 4.
Onanimbo Genesi 3:19 na Koelete 9:6, 10.
Kodi Pali Cidikhiro Kwa Anyakufa?
PINACITISA ANTHU KUBVUNZA: Ife tisafuna kukhala maso, na tisafuna kutsanzaya na umaso pabodzi na ale anafuna ife. Ndi pyacibaliro kukhala na cifuno ca kuona pontho anyakufunika athu akufa.
PINAPFUNZISA BIBLYA: Anthu azinji adafa anadzalamuswa muli akufa. Yezu apikira kuti “anthu onsene anagona mu nthumbi [zakuti zisakumbukirwa]…anadzalamukambo.” (Jwau 5:28, 29) Mwakubverana na cifuniro cakutoma ca Mulungu, ale anafuna kudzalamuswa muli akufa ninga anthu aunyama anadzakhala na mwai wakukhala maso m’paradizu pa dziko yapantsi. (Luka 23:43) Pikiro ineyi yakutsogolo isaphataniza ungumi waungwiro na umaso wakukhonda mala kwa anthu akubvera. Biblya isalonga: “Anyakulungama anatambira dziko, mbakhala [mwenemo] kuenda na kuenda.”—Masalmo 37:29.
Onanimbo Yobe 14:14, 15; Luka 7:11-17; na Machitiro 24:15.
Kodi Ndinakwanisa Tani Kuphembera Mbindibviwa Na Mulungu?
PINACITISA ANTHU KUBVUNZA: Anthu azinji a m’mauphemberi onsene asacita phembero. Mbwenye, azinji asapibva kuti maphembero awo nee asatawirwa tayu.
PINAPFUNZISA BIBLYA: Yezu atipfunzisa kuti tikhonde kubwerezera mafala mabodzi ene m’maphembero athu. Iye alonga: “Mungapemphera, lekani bwerezabwereza mafala onthoonthowo” tayu. (Mateo 6:7, Chiverano Chachinchino) Khala tisafuna kuti Mulungu abvesere maphembero athu, tisafunika kuphembera mu njira yakutawirika kwa iye. Towera kucita pyenepi, tisafunika kudziwa kuti cifuno ca Mulungu ndi ninji na buluka penepo kuphembera mwakubverana na cifuno ceneci. Tsamba yakutoma ya Jwau 5:14 isafokotoza: “Mulungu anatibvera, tingamphemba pinthu ninga munafunira iye.”
Onanimbo Masalmo 65:2; Jwau 14:6, 14; na 1 Jwau 3:22.
Kodi Ndinakwanisa Tani Kugumana Citsanzayo Mu Umaso?
PINACITISA ANTHU KUBVUNZA: Anthu azinji asakhulupira kuti kobiri, kukhala na mbiri, peno kubalika kunaacitisa kukhala akutsanzaya. Na thangwi ineyi, iwo asasaka pinthu pyenepi—towera kuona basi patsogolo pace kuti kutsanzaya kusaathawa.
PINAPFUNZISA BIBLYA: Yezu adzindikira pinacitisa kutsanzaya mudalonga iye tenepa: “Anyakutsandzaya ndiwo anabva mafala a Mulungu mbaakoya.” (Luka 11:28) Tingakwanise kugumana citsanzayo candimomwene tingacita mathanyo akufunika towera kukwanirisa cifuno cathu cikulu kakamwe—njala yathu ya undimomwene wauzimu wakulonga pya Mulungu na cifuniro cace kwa ife. Undimomwene unoyu usagumanika m’Biblya. Kudziwa undimomwene unoyu kungakwanise kutiphedza kudzindikira pinthu pyakufunika kakamwe na pyakukhonda kufunika. Kutawirisa kuti undimomwene wa Biblya utsogolere pisankhulo na pyakucita pyathu kusacitisa kukhala na umaso wakuphindulisa kakamwe.—Luka 11:28.
Onanimbo Misangani 3:5, 6, 13-18 na 1 Timoti 6:9, 10.
Kweneku kukhali kudinga matawiro a Biblya ku mibvunzo mitanthatu basi. Kodi imwe musafuna kudziwa pizinji kupiringana pyenepi? Khala muli pakati pa ale “anabva mafala a Mulungu mbaakoya,” mwakukhonda penula musafuna. Imwe mungakwanise kunyerezera mibvunzo inango ninga iyi: ‘Khala Mulungu asatitsalakana, thangwi yanji iye atawirisa kuipa na nyatwa zonsene izi zinaoneka m’mbiri ya anthu? Kodi ndinakwanisa tani kulungamisa umaso wa banja yanga?’ Biblya isapereka matawiro akukwana na akukomeresa ku mibvunzo ineyi na inango mizinji kakamwe.
Mbwenye, azinji lero asanyinyirika kudinga Biblya. Iwo asaiona ninga bukhu yakale yakuti m’midzidzi inango ndi yakunensa kuibvesesa. Kodi imwe musafuna ciphedzo towera kugumana matawiro m’Biblya? Mboni za Yahova ziri na piphedzo piwiri pyakuti pingakwanise kukuphindulisani.
Cakutoma, bukhu yakuti Kodi Mwandimomwene Biblya Isapfunzisanji? yacitwa towera kuphedza anthu akupingika na basa kuti adinge matawiro akukhonda nensa a Biblya ku mibvunzo yakufunika kakamwe. Ciphedzo caciwiri ndi programu ya pfunziro ya Biblya yapanyumba yakukhonda kulipa. M’bodzi wa Mboni za Yahova anakhala pa cisa canu wakuti ndi wakuthema kupfunzisa Biblya angakwanise kubwera pa nyumba panu peno pa mbuto inango yakuthema mbabvunga ndzidzi pang’ono sumana na sumana mbakadinga Biblya na imwe. Pikwi na pikwi pya anthu pyaphindula pa dziko yonsene yapantsi na programu ineyi. Azinji a iwo adzafika pa mamalisiro awa akukomeresa: “Ndaugumana undimomwene!”
Nkhabepo mpfuma inango ikulu yakuti ingakwanise kugumanwa. Undimomwene wa Biblya usatisudzula ku kukhulupira ufiti, uviavia na kugopa kufa mwakupiringana n’dida. Usatipasa cidikhiro, cifuniro na citsanzayo. Yezu alonga: “Munadzadzindikira pya udidi [peno undimomwene], udidimbo unadzakusanduzani kudza anthu a ufulu.”—Jwau 8:32.


text:
N’chifukwa Chiyani Mulungu Sayankha Mapemphero Ena?
Yankho la m’Baibulo
Mulungu sayankha mapemphero ena. Taonani mfundo ziwiri zotsatirazi zimene zimachititsa kuti Mulungu asayankhe mapemphero a anthu ena.
1. Kupempha zinthu zosagwirizana ndi zimene Mulungu akufuna
Mulungu sayankha mapemphero osagwirizana ndi mfundo zake zimene zili m’Baibulo. (1 Yohane 5:14) Mwachitsanzo, Baibulo limanena kuti tiyenera kupewa mtima wadyera. Juga imalimbikitsa mtima wadyera. (1 Akorinto 6:9, 10) Choncho, Mulungu sangayankhe ngati mukupemphera kuti muwine pa mpikisano kapena juga. Mulungu samangochita chilichonse chimene munthu amafuna. Ndipotu tiyenera kuyamikira zimenezi. Izi zili choncho chifukwa bwenzi tikuopa kuti anthu ena angathe kumupempha ali ndi zolinga zoipa.—Yakobo 4:3.
2. Ngati amene akupempherayo samvera Mulungu mwadala
Mulungu samayankha mapemphero a anthu amene amachita zoipa mwadala. Mwachitsanzo, Mulungu anauza anthu amene ankati akumutumikira koma samumvera mwadala, kuti: “
Ngakhale mupereke mapemphero ambiri, ine sindimvetsera. Manja anu adzaza magazi amene mwakhetsa.” (Yesaya 1:15) Koma anthuwo akanasiya zoipa zomwe
ankachita n’kukonza ubwenzi wawo ndi Mulungu, iye akanayamba kumvetsera mapemphero awo.—Yesaya 1:18.


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Tag: Italy tv channel
Kumwamba masewera 1 Italy moyo
22.19K Views1 Comments136 Likes
= Dzina Channel : Kumwamba masewera 1 italia TV = Dzina Channel Kumasulira : Kumwamba masewera 1 italia TV = Nfundo yaikhulu Google kufufuza : Kumwamba masewera 1 italia moyo = Kufotokozera : Kumwamba masewera 1 - Kumwamba masewera 1 ndi bungwe mpira ...
Kumwamba masewera 2 Italy moyo
7.61K Views0 Comments39 Likes
= Dzina Channel : Kumwamba masewera 2 italia TV = Dzina Channel Kumasulira : Kumwamba masewera 2 italia TV = Nfundo yaikhulu Google kufufuza : Kumwamba masewera 2 italia TV moyo = Kufotokozera : Kumwamba masewera 2: Kumwamba masewera 2 ndi Sports-odzipereka TV ...
Kumwamba masewera 3 Italy moyo
6.56K Views0 Comments38 Likes
= Dzina Channel : Kumwamba masewera 3 italia TV = Dzina Channel Kumasulira : Kumwamba masewera 3 italia TV = Nfundo yaikhulu Google kufufuza : Kumwamba masewera 3 italia moyo = Kufotokozera : Kumwamba masewera gulu la naini masewera Kanema TV uneneri wina m'Buku lomweli ...


text:
Ine sindinga kuthandiza izo, but so many wonderful productions are released lately by the greatest reggae and dancehall artists and producers. So had to write this post, koma mwina sangaletse.
Msabatayi ndidzakukonda zimaonetseratu ena yatsopano zimatulutsa ndi; Randy Valentine, Clay, Vybz Kartel, Zonunkhira, Watsopano Kingston, Fred maloko, Njonda (MTV unplugged), Tanya Stephens, Chronixx, Lachinsinsi Revealers, Kiwini Vaitai, Lutan Fyah, La Toya Khalani, Fusbaan, Ndodo Chithunzi, The Skints, Kangachepe ndi Irie, Katchafire, Rebelution, Don Corleon, Shaggy, Cecile, Anzanga, Cranium, Wotanganidwa Chizindikiro ngakhalenso Dennis Brown ndi zozizwitsa YouTube makanema ojambula kanema wa Rege nsombazi ndi Mfundo za Lodabwitsali Website.
Ndi zinthu zambiri zikuchitika m'dzikoli, Zikuoneka ngati rege ndi wangwiro ndale ndi m'nyimbo chida kambiranani. Ena rege ndi dancehall ojambula zithunzi kupitiriza kukwera pamene ena amavutika kwambiri ndi kugwira ntchito molimbika kuti tikwaniritse kwambiri kutchuka (ndalama) ufulu. What to think of Gully Bop (Aka Countryman) ndipo ntchito yake, chirichonse akukwerabe posachedwapa. Big kwa Gully Bop.
Mu malo ndinenso wolawana 21 ozizira rege ndi dancehall mayendedwe nanu. Read More »


text:
Ndi ditching wanga Maswiti udzaphwanya pulogalamu poyamba chaka, Ndinkafuna kuchita chinachake kwenikweni zipatso ndi ufulu imene ndinali kubwerera. Choncho ndinayamba fanizo sketchbook polojekiti – Ndakhala zovuta ndekha kudzatunga chinachake tsiku lililonse, ineyo. Ine ndikuyesera kuimba mozungulira pang'ono ndi kusangalala ndi, palibe mavuto kulenga chinachake wapamwamba duper chodabwitsa… Ine ndikuyesera pang'ono mwanga zolinga zake zakuthupi.
Ena zojambula akhala kwenikweni ozizira ndi bwino ndipo ine ndi ndondomeko kuwonjezera pa em… Ena akuchita ngati wosayankhula. Koma cholinga changa sketchbook ntchito ndi kuchita ndi matani kokhala chaka chino, ndipo izo mochuluka zeroed pa wanga kalembedwe pochita.
Ine kwenikweni tiyambe kupeza kwambiri mu pamwamba chitsanzo kamangidwe, ndipo ine ndikuyesera kuti ayese kulenga dzanja kukopedwa kubwereza dongosolo ndi zambiri zosangalatsa pang'ono mfundo mmenemo. Imaphunzitsa kwenikweni kusangalala kuchita, ndipo pang'ono zovuta chifukwa ine sankhani mutu ndiyeno kuyesera kuti abwere ndi njira zosiyanasiyana kujambula chinthu chomwecho. Monga mu chitsanzo ichi… Wokongola mphaka mafanizo.
Ndikufuna woyera dzanja ili kukopedwa typography pang'ono ndi kuutentha pa chophimba kotero ine ndikhoza kuzipanga izo kukhala tshirt.
Dzanja kukopedwa paisley dongosolo akhala akubwera zambiri wanga Doodles posachedwapa, ndipo Ine sindiri wotsimikiza kwathunthu chifukwa chake. Mwinamwake basi flowy organic amaona kokhala onse akuponya akalumikidzidwa… Sindikudziwa koma ine kukumba ndipo ndikufuna kuyandikira kwambiri paisleys ngati posachedwa!
Ngati mwakhala powasamalira wanga Instagram chakudya, inu mungazindikire zonse kuyambira January 1 wakhala wokongola mafanizo wanga sketchbook polojekiti. Ine zovuta ndekha kumamatira ndi, chifukwa ine ndikuganiza kwenikweni iyo imakhala wanga chakudya popanda alipidwa. Ine analenga wokongola Chinsinsi fanizo kuthandiza kulimbikitsa blog malo Ndalemba sabata yatha za mayi anga ku malamulo a chodabwitsa phwetekere masangweji.
Inu adza kuona izi lokoma ndi ozizira sitiroberi kachiwiri mwamsanga pamene gawo la Valentine tsiku la polojekiti. Lonjezo.
Izi ndimasowa chifukwa muyenera kumutenga pa kujambula vuto ngati tsiku fanizo sketchbook polojekiti. Ndikuona ngati zilandiridwenso wakhala loyenda kwambiri kosavuta popeza ndinayamba izo… ndipo spoof wa David Bowie a Space Oddity mawu basi analumpha mwanga zolembera usiku watha.
Izi Ground Control kuti Major Tomcat, anthu. Ndi wanga favoritest zojambula ndachita mu kanthawi, ndipo ine ndiri zolinga uyu, Ifenso.
Kodi anayamba sketchbook ntchito kapena zilandiridwenso vuto lanu chaka chino?
Kodi polojekiti? Ndiuzeni ine za izo mu ndemanga!
Mwina inunso mukufuna
Steph Calvert
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Amanga a kabaza
Chisankho cha aphungu ndi mtsogoleri wa dziko lino cha mu 2009 chidali chamangawa koma nyengoyi kwa ena idali yopezera achikondi awo.
Gladson M’bumpha, mneneri wa polisi ku Ntchisi, yemwenso amalemba nkhani m’nyuzipepala zosiyanasiyana, nthawiyi adatumidwa kukagwira ntchito ya chitetezo pamalo oponyera voti a Malambo m’boma la Ntchisilo.
Kokaona nyanjako adaonakonso mvuu chifukwa woyang’anira pamalopo, Memory Saka, adamutenga mtima mpaka lero awiriwa ndi banja.
M’bumpha adati padali chiulendo kuti awiriwa ayambe chibwenzi kuchokera nthawi yomwe adaonana kokagwira ntchitoyo iye ali kupolisi pomwe Memory akugwira ntchito ku unduna wa zamalimidwe ngati mlangizi.
“Titakumana kumeneko tidayamba kuchezerana ngati munthu ndi mnzake kufikira m’chaka cha 2013 pomwe ndidafunsira koma padalitu chitunda chifukwa adandikana koma sindidagonje mpaka chaka chidatha akukanabe,” adatero M’bumpha.
Iye adati atalimbana naye kwa chaka chathunthu, m’chaka cha 2014 Memory adavomera ndipo iye adakondwa kwambiri mpaka kuyambapo madongosolo monga kukamuonetsa kumudzi kwawo komanso kukaonekera kwawo kwa Memory.
Mwambo woonekera utachitika, chaka chomwecho cha 2014 adapanga chinkhoswe ndipo pano akuyembekezera kumanga ukwati posachedwapa.
“Ndikuuzenkoni chimodzi, amwene. Ndidalimba mtima kuthamangitsa mkaziyu kwa chaka chathunthu osatopa chifukwa sindimaonanso mkazi wina yemwe ndikadayanjana naye n’kukhala bambo ndi mayi kuposa iyeyo,” adatero M’bumpha.
Memory adati kuchokera pomwe adaonana ndi Gladson, amamva mumtima mwake kuti sadakumane ndi munthu wamba ayi koma padali chinachake ndipo kukanako amangofuna kutsimikiza zomwe amamvazo.
Gladson amachokera m’mudzi mwa Masimo, T/A Malemia ku Nsanje, pomwe Memory amachokera m’mudzi mwa Robert Moyo, kwa Inkosi Mtwalo ku Mzimba. Iwo amakonda kupemphera ndi kulimbikira ntchito zawo ndipo Gladson pano akuti akupitiriza maphunziro ake kuti apeze digiri ya utolankhani.
« Make meetings with the boss productive ‘Tikuferanji si msangulutso wokha’ »


text:
Pali luso madigiri ndalama akatswiri akhoza kugwira, Komabe, there is no other than Chartered Financial Analyst or CFA that earns respect or is so rigorously focused on developing Investment Skills and Knowledge. The magazine The Economist referred to theCFA charter as the "Golide muyezo,"kulemba kuti:
[The] akuyenerana ndi ziri lofanana apadera kukapitiriza ndalama digiri, kuphatikizapo osakaniza a zachuma, chikhalidwe, lamulo, ndipo accountancy ... Pamene pali zikwizikwi ndalama madigiri wopezeka kuzungulira dziko, kuyambira waukuru ndi achabechabe, pali wina CFA, anakwanitsa ndipo anafufuza ndi American la ndalama akatswiri, ndi CFA Institute.
Wanga ulendo wopita mumapezera wanga CFA hayala wakhala wokongola zosangalatsa, zosangalatsa komanso zovuta. Panali zambiri ndi mavuto – Ndinadutsa CFA mlingo 1 ndipo CFA mlingo 2 mwakamodzi, Komabe, CFA mlingo 3 anali amphamvu nati kwa osokoneza. Zinanditengera 3 wayesetsa pochitika CFA mlingo 3. CFA Charter has been especially beneficial for my Equity Research Analyst career. Ambiri posachedwapa, Ndinalandira zodabwitsa wabwino kuti mng'ono wanga Neeraj Vaidya (works along with the CEO of a global firm and lives in Dubai) nayenso anadutsa CFA mlingo 3 Kupenda. Iye tsopano mukuyembekezera ntchito kwa CFA hayala. Ndikhulupirira kuti ali wamkulu mwakuthupi.
Monga mphunzitsi ndi Co-anayambitsa Corporate Bridge, I have trained and mentored hundreds of students for CFA exam and am now hoping to spread awareness of this most valuable CFA program through my blog. This article focuses on nuts and bolts of CFA examination –
- About CFA Program
- N'chifukwa Chiyani Tiyenera Kutsatira CFA?
- CFA mayeso Format
- CFA mayeso zolemera / Sweka
- CFA Kupenda Fizi
- CFA Results & Kudutsa Ziŵerengero
- CFA maphunziro Books vs Schweser Mfundo Zina
- Kulembetsa Zofunika
- Akatswiri Mwayi
- Zothandiza CFA mayeso Prep Resources
About CFA Program
The hayala Financial katswiri (CFA) Program, kutumikiridwa ndi CFA Institute, limapereka maphunziro-mlingo maphunziro zoona pulogalamu cholinga zambiri ntchito nzeru ndi othandiza maluso okhudzana ndi ndalama kupanga zisankho.
N'chifukwa Chiyani Tiyenera Kutsatira CFA mayeso?
Popeza nthawi, ndalama ndi khama, ndi CFA akuti kwenikweni n'kwaphindu? M'munsimu muli waukulu zifukwa muyenera kuchita CFA -
- CFA kwambiri anazindikira lonse lakuti kwa ndalama akatswiri padziko lonse.
- Not only employers but also clients consider CFA Charterholders as experts in Finance.
- Ntchito patsogolo chifukwa CFA akuti palibe brainer. This program is extremely useful in Investment Banking, Mbiri Management, Investment Research ndi Security Analysis zina.
- A recent survey by CFA Institute noted that CFA Charterholders are primarily working as Portfolio Managers (22%), Research Akatswiri (14%) ndi Chief mabwana (7%)
gwero – CFA Institute
Kuwonjezera, mu July 2014, CFA Institute conduced kafukufuku wa CFA ofuna napeza m'munsimu zifukwa wawo waukulu zolinga kuti ayende mayeso -
- 37% akutenga izi mayeso chifukwa cha Ntchito Patsogolo mwayi kuti atsegule
- China 20% zimenezi kupeza apamwamba samatha kudziwa
- 10% beleive kuti bwino mwayi kupeza ntchito.
Mukhoza kukopera ndi mwatsatanetsatane za kafukufuku kuno – CFA Survey
CFA mayeso Format
M'munsimu tebulo showcases zofunika za dziko CFA Kupenda.
Key Highlights about CFA Exam format
CFA mlingo 1 mayeso
- Izi mayeso kwenikweni tikunena kukhala zofunika mfundo Finance.
- Angapo kusankha mafunso mtundu mosavuta mayeso otenga, Komabe, ayenera kuona kuti pafupifupi muli kuzungulira 1.5 Mphindi pa funso.
- No zoipa kumeneku
CFA mlingo 2 mayeso
- The mtundu wa mayeso ndi Mini milandu amene ali 1.5 masamba kutalika pa avareji
- Wachina chilichonse kapena anapereka Mini milandu ndi asanu mafunso aliyense, mayankho a funso lililonse amadalira wanu kale anayankha funso.
- No zoipa kumeneku
CFA mlingo 3 mayeso
- Chofunika kudziwa kuti Morning gawo nkhani Mtundu Format kumene mayeso otenga ayenera kuthetsa nkhani maphunziro ndi kulemba mayankho oyenera
- The chamasana ndi ofanana ndi mtundu wa CFA mlingo 2 pamene pali Mini choncho maphunziro multiple kusankha funso mayankho
- No zoipa kumeneku
CFA mayeso zolemera / Sweka
M'munsimu ndi CFA Topic Madera uliwonse mlingo.
CFA mlingo 1
- The yaikulu ya CFA mlingo 1 mayeso ndi kulenga maziko olimba mu Finance.
- Please note that Financial Reporting & Analysis, Ethics and Quantitative Analysis represent close to 50% wa kufufuza weightage. Ngati inu mphambu bwino awa 3 nkhani, pali mwayi wa kudutsa CFA mlingo 1 mayeso. Komabe, pankhani zina sangakhoze ananyalanyaza, zimene zina zosavuta ndipo angathe mphambu mfundo zabwino mwa iwo.
- CFA mlingo 1 tione ndi mosavuta Finance Omaliza Maphunziro ndi anthu asanayambe kudziwa mlandu.
- Non-zachuma ophunzirawo (akatswiri, sayansi, zaluso zina) Mwina Financial Nkhani & Analysis pang'ono yovuta. Komabe, inu Musadandaule kwambiri. Ngati mumathera nthawi yoyenera nkhaniyi, you should sail through.
- Monga injiniya ndi MBA Finance, I found Financial Reporting & Kachulukidwe Analysis ndi kachulukidwe Analysis mochepetsa kuphunzira. Komabe, Ndikuvomera, Ndinavutika kwambiri ndi Ethics ndi Economics.
CFA mlingo 2
- CFA mlingo 2 pang'ono ndi zovuta mayeso poyerekeza kuti CFA mlingo 1 chifukwa 2 zifukwa ndi) maphunziro tsopano wowawa poyerekeza kuti CFA mlingo 1 ndipo b) mpikisano pakati pa akuluakulu ofuna amene zapita mlingo 1 Kupenda.
- Zinayi nkhani – Ethics, Financial Nkhani & Analysis, Chilungamo Investment ndipo anakakonza ndalama akuimira pafupifupi. 50%-80% a weightage.
- The kusintha kwakukulu mu chitsanzo kuli 10 katunduyo anapereka (aliyense padziko 400-800 mawu) ndi asanu angapo kusankha mafunso phunziro lililonse (Morning & Chamasana). Izi zisanu ndi mafunso kudalira kapena wosadalira pa mzake.
CFA mlingo 3
- Waukulu tsenga mu CFA mlingo 3 Kupenda ndi nkhani Mtundu Funso Paper. Iyi ndi nthawi yoyamba CFA kufufuza kuti ayenera kulemba zokhudza.
- Maziko a nkhani Mtundu Funso Paper ndi mbiri Management (woimira 45% weightage). Sizachilendo nzeru kuti nkhani Mtundu Funso pepala amalenga wodzipangitsa kapena kuswa vuto. Umapezeka kuti Masana mayeso kuti tichipeza katunduyo Anatipatsa mafunso zimakhalanso zosavuta kuti ambiri ofuna
- Ndine mlimi wa laputopu & ndi chida munthu ndiponso osagwiritsa ntchito zambiri cholembera ndi kope. Pakuti mayeso, Ndinatola cholembera changa kwa akuluakulu dzanja titaonetsetsa pafupifupi 5 zaka, anazindikira kuti wanga cholembedwa anali atachoka legible. Ndinali kuchita cholembedwa pang'ono kuwoloka osachepera legibility miyeso yolinganizira. Ngakhale, I recall that my hands were hurting after the Morning session, kotero bwino mchitidwe (dzanja) writing.
CFA Kupenda Fizi
Mmunsimu muli kuona zolipira kwa CFA June 2015 Mayeso (Mlingo 1, Mlingo 2 & Mlingo 3)
- Pali nthawi yoyamba gulu malipiro a $450. Kuona kuti zimakhala mtengo kulembetsa kwa mayeso oyambirira. The mayeso malipiro a tsiku lomalizira 3 ($1,210) ndalama pafupifupi kawiri wa First tsiku lomalizira ($630)
CFA Results & Kudutsa Ziŵerengero
CFA zotsatira zambiri analengeza eyiti milungu ya mayeso tsiku. CFA mlingo 1 ndipo 2 exam results are available both on the CFA Institute website and through as emails. CFA mlingo 3 Zotsatira akupezeka masabata khumi nsanamira za mayeso tsiku.
Mwa 100 CFA oti apatsidwe, yokha 15 ofuna potsiriza osokoneza izo!
Tisanayambe kukambirana munthu mlingo CFA mayeso m'kupita mitengo, zidzakhala zosangalatsa kuona wonse akamaliza mlingo. Akamaliza mlingo (%) ndi chiwerengero cha anthu ofuna amene zapita cumulatively CFA mlingo 3 exams divided by the total number of cumulative candidates who have ever attempted CFA examination. Nambala amatipatsa chachikulu lingaliro la angati potsiriza anathamangitsa ndi kutayera onse 3 zimatiyika
- Popeza pomwe linayamba, okwana 15.4% CFA oti apatsidwe anapambana CFA mlingo 3 mayeso
- Ambiri posachedwapa (2005-2014A), chokwanira akamaliza mtengo wa 14.6% unkachitika
- Izi zikutanthauza kuchokera aliyense 100 CFA ofuna, za 15 CFA ofuna potsiriza pochitika CFA mlingo 3, Komabe, otsalira 85 ofuna m'kupita kwa nthaŵi tulukani.
Tsopano tiyeni tione m'kupita mitengo aliyense mlingo
CFA mlingo 1 Mayeso Passing mtengo uli chifupi 40%
- Zakale 10 zaka anaona kuti CFA mlingo 1 Kupenda kudutsa mlingo anali mu osiyanasiyana 34% kuti 39%, avereji m'kupita kwa ndalama ya 39%
- Avereji m'kupita kugunda kwa December kuona 37%
- Avereji m'kupita kugunda kwa June 2014 Kupenda anali pamwamba pa 40% (osangalatsa!)
CFA mlingo 2 Mayeso Passing mtengo uli chifupi 44%
- Zakale 10 zaka anaona kuti CFA mlingo 2 Kupenda kudutsa kugunda mu osiyanasiyana 32% kuti 56%, avereji m'kupita kwa ndalama ya 44%
- June 2014 Kupenda kudutsa mlingo anali kwambiri pa 46% m'mbuyomu 8 Zaka
Muli 50:50 mwayi kudutsa CFA mlingo 3 Mayeso
- Zakale 10 zaka anaona kuti CFA mlingo 3 Kupenda kudutsa kugunda mu osiyanasiyana 50% kuti 76%, avereji m'kupita kwa ndalama ya 56%
- June 2014 Kupenda kudutsa mlingo anali kwambiri pa 54% m'mbuyomu 8 Zaka
CFA maphunziro vs Schweser?
Kuti tiyankhe funso limene lili pamwambali, tiyeni choyamba ndi tione mkulu mlingo poyerekeza awiriwa.
Onani kuti pali phukusi likupezeka pa Schweser. Pakuti pamwamba poyerekezera ine zinaphatikizapo mtengo wawo N'kofunika Kunyada kuphunzira phukusi. Before I attempt to answer the above question, funso lofunika kwambiri limene muyenera kudzifunsa ndi nthawi yochuluka bwanji mukufuna (tione zenizeni) yocheza kwa CFA mlingo 1 Examination. Lanu kukonzekera (CFA maphunziro zolemba vs Schweser zolemba) adzakhala kotheratu kudalira ndalama kwa nthawi muli ofuna kucheza.
M'munsimu muli anga ya nsonga kuti musonyeze zothandiza (kokha zikugwirizana CFA mlingo 1 Kupenda)
Ngati muli 100-120 maola Mayeso Kukonzekera Time?
Tiyeni nawo choonadi, mulibe zambiri nthawi kukonzekera ndi pochitika izi CFA mlingo 1 Kupenda. Komabe, muli basi nthawi yokwanira wanu wina wabwino kuwombera. Ndi Ndikupangira zotsatirazi -
- Iwalani za CFA maphunziro Books. Kumangosangalala ndi wamba nzeru nawo pa ambiri CFA maonekedwe, zimatengera kuzungulira 200+ maola adutsa CFA maphunziro mabuku (amene mwachionekere muli naperewera)
- Adutsa Schweser Video Maphunziro. Kuti amatenga pa Max 20 maola ndipo izi ndi zabwino poyambira odikira kuti mayeso.
- Mukadziwa anayang'ana pa mavidiyo, adutsa Schweser anati mwatsatanetsatane. Ngakhale izi zili mwachidule buku la CFA mabuku, Komabe, Ndikuona ali okwanira moti kuonetsetsa kuti kupambana mayeso. Kuwerenga Schweser zolemba kuchitidwe padziko 80 maola kapena
- The yatsalayi (ngati), muyenera timathera poyesa ambiri amanyoza mapepala mmene mungathere ndi mfundo younikanso.
- Ine pangotsala 100-110 maola CFA mlingo 1 mayeso Kukonzekera and used this strategy to pass CFA level 1 Kupenda.
Ngati muli 200-250 maola chifukwa mayeso kukonzekera?
Ngati mungathere 200-250 maola kukonzekera mayeso, mudzakhala mu njakata – Ndiyenera kukhudza CFA maphunziro mabuku kapena ndimaonera Schweser anati kapena Onse?
- Kunena zoona kulankhula, inu musankhepo kapena awiri, koma si zonse. Mwina mukhoza kuwerenga CFA maphunziro mabuku kamodzi (inde, kamodzi kokha!) kapena inu mukhoza adziwe Schweser mwa kuphunzira awo vidiyo Maphunziro, kuwerenga anati angapo nthawi, nachita wotonza mapepala ndi zina zonse 200-250 maola
- Maganizo anga pano ingakhale koma kukhudza CFA maphunziro mabuku ndi kucheza pa tichidziwe Schweser mfundo monga pa nthawi-tebulo anapatsidwa mu m'munsimu Zithunzi
Ngati muli ndi mwanaalirenji yocheza 300 maola?
Ngati muli 300+ maola, ndiye ine kwambiri mungandipangireko Kusakaniza CFA maphunziro mabuku komanso Schweser zolemba.
- Njira yabwino ndi kuyamba ndi Schweser Video Maphunziro n'kupita Schweser anati moti inu kuonetsetsa mwaphunzira zonse zinthu zofunika pa maganizo a mayeso.
- Kenako, Ine ndingakulangizeni inu kuyang'ana CFA Blue Box Zitsanzo (takambirana mu chaputala) kenako mapeto a Chapter (EOC) Mafunso. Zimenezi wina 80-100 maola.
Ngati inu yosakwana 100 maola
- A nkhanza Alangizeni, Pita kunyumba! Musati muyesere anu mwayi. Inu kale anatha maola oposa $1000 pa kalembera wa mayeso. N'chifukwa kuwononga zimenezi pofuna?
- Taganizirani kusiya njira ngati kale olembedwa mayina kwa CFA mayeso. Achire malamulo operekedwa ndi CFA anayambitsa zibwere chothandiza. Dinani apa chifukwa mwatsatanetsatane.
Kulembetsa Zofunika
Kukhala woyenera kulowa CFA Program, pali awiri chachikulu zofuna -
- Kodi US Bachala wa (kapena kukudalira zimene zingachitikire Digirii) kapena kukhala mu chaka chomaliza anu digiri yoyamba pulogalamu pa nthawi ya kalembera
- kapena zaka zinayi oyenerera, akatswiri ntchito zinachitikira (alibe kukhala chuma okhudza)
- kapena zingapo mwa ntchito ndi koleji zomwe okwana pafupifupi zaka zinayi.
- ONANI Ganyu malo sakuyenerera, ndipo zaka zinayi okwana ayenera accrued isanafike Kulembetsa
- Ndi Valid mayiko Travel pasipoti - This is required for CFA Exam enrollment and registration
Akatswiri Mwayi
CFA Institute amapereka mitundu iwiri ya maphunziro -
Mwayi Akatswiri
- Ichi ndi chosowa zochokera maphunziro amene cholinga chake anthu amene sangathe kukwanitsa zonse CFA pulogalamu chindapusa.
- Kuwonjezera Financial zosowa, pali zinthu zinanso zimene kuonedwanso ngati maphunziro, akatswiri kapena wakwaniritsa Munthuyo, Munthuyo chidwi ndi kutsatira CFA hayala, zopinga kuthana ndi phungu zina.
- More than 2,600 Access Scholarships are awarded to CFA Program applicants each calendar year.
Kudziŵa Akatswiri
- Izi anapatsidwa makiyi influencers cha maphunziro ndi ndalama ammudzi.
- This awareness scholarship is designed to raise awareness of CFA Institute programs among key influencers by allowing certain strategically positioned groups and individuals to distribute and/or receive exam registrations at discounted rates.
Kuti mudziŵe, inu angatanthauze CFA Akatswiri Page
Zothandiza Resources kwa CFA mayeso Prep
- CFA Njira ya Phunziro – CFA Institute
- CFA ulaliki Downloads – eduCBA
- CFA mlingo 1 Chitsanzo Zinthu Zofunika – Schweser
- CFA Video Maphunziro - Irafanulla
- CFA mayeso Information – Wikipedia
- CFA Blog – eduCBA
- CFA Zokambirana Forum - AnalystForum
- CFA Zokambirana & Thandizeni – Reddit
Kodi lotsatira?
Ngati mwaphunzira zatsopano kapena anasangalala positi, chonde kusiya ndemanga pansipa. Ndiroleni ine ndikudziwa zimene inu mukuganiza. Zikomo ndi kusamalira. Odala Kuphunzira!


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O, wanga ... Izo zakhala kanthawi chifukwa ine ndiyenera zololeka fart kuzungulira pa wanga piritsi a sketchbook pulogalamu.
Amene & rsquo; m nawo umboni wabwino cholembera kwa Nexus 10 kuti isn & rsquo; T wapamwamba mafuta? Ine ndikufuna abwino mfundo ngati n'kotheka!
Mwina inunso mukufuna
Steph Calvert
Zatsopano nsanamira ndi Steph Calvert (zonse)
- kuyezetsa kuyezetsa - June 28, 2015
- Maphikidwe ku TV: Hot Ham Madzi kuchokera Kumangidwa Development - June 19, 2015
- Quick mapepala Pereka Ufiti Kupulumutsa anu Chilimwe Barbeque - June 18, 2015
- Kuyandikira yogona ndi Gold chala masokosi - June 17, 2015
- Mungachite Kuti anu laputopu cholozera kwa Akudumpha Around - June 16, 2015


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Mudziwe zambiri za A Malimwe Quchi
Pamapeto simesitala, Bao akutumizidwa ku Quchi ndi amasiye agogo, chifukwa sesparents kuganizira kusudzulana. Maganizo ndi sullen, izo integrates yaing'ono pulayimale kumene anapeza mtsikana wake kalasi ali yemweyo dzina lakuti iye: «Nyamuliranani». Bao komanso chisoni Mingchuan, mbadwa mwana amene mobisa chikondi ndi Nyamuliranani. Ces deux amitiés égaient la vie de Bao en cette période de désarroi familial et lui permettent de reconsidérer sa vision de l’existence.
Date de sortie :
24 September 2014
Zonse zotuluka la sabata
Yowongoleredwa ndi :
Chang TSO-Chi
Nthawi :
1h49min
Dziko zokolola :
Taiwan
Kupanga Chaka : 2013
Choyambirira udindo : Shu jia zuo inu
Wogulitsa :
Aramis Kufalitsa
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Chikondi ndi Food March 2015 Unboxing
Chikondi ndi Food ndi mwezi kulembetsa kuti muzimvetsera bokosi akukamba organic kapena masoka zokhwasula-khwasula pakhomo panu. Ndimayesetsa ena organic chakudya ndi thanzi mabokosi, ndipo sanakhalepo chidwi. Chikondi ndi Food ndinasintha malingaliro anga za chakudya mabokosi! M'bokosili anali zosaneneka! Iwo okha ndalama $10 pamwezi. Zambiri, aliyense bokosi donates 1 chakudya njala ana America. Mukhoza lowani pano.
Here is what I received in my March box:
Moringa Organic Tiyi
Choco Chews ndi Trujoy maswiti
Annie a Chocolate Bunny Grahams
Chocolate Banana Mini akamwe zoziziritsa kukhosi Bar ndi 2 KUSIYANA Food
Hemp Mitima ndi Manitoba Kololani
Wokazinga nsawawa ndi nyemba The Good
Nyanja Yamchere Bops ndi Good Boy Organics
Amondi mafuta Cacao Truffle ndi awiri Moms mu yaiwisi
Nutty Mpunga kulumidwa ndi Cranberries ndi 180 Zokhwasula-khwasula
Herbes de A Provence ndi The zonunkhira Hunter
While this box isn’t worth much more than it’s cost, ndi motsimikizika kwambiri Zokoma bokosi! I am enjoying all the products in the box and it is nice to see items that I haven’t tried before. Ndine wa chisoni kuti ine kudikira wina mwezi bokosi! Ndinkakonda kupeza zakudya Ndimasangalala kuti ndinu organic kapena masoka ndi kulawa bwino.
Mukhoza yanga unboxing kanema pansipa:


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Ngati inu anayenera kusankha awiri – CFA kapena FRM, amene inu mudzatenge?
Mwina CFA, mwinamwake FRM kapena onse? Ichi ndi chimodzi mwa zinthu freqently anafunsa mafunso pamene ophunzira amapanga malingaliro awo patsogolo awo ntchito ya Finance. Kupanga bwino n'kofunika kwambiri chifukwa aliyense amatenga kuona zambiri m'ntchito, ndalama ndi ofcourse yochuluka. Chisankho, Komabe, ndi zina difficult for those who are not aware of its key differences.
Ine mwayi pochitika onse CFA ndi FRM mayeso ndipo enanso kudutsa njira zina, ubwino ndi zina zabwino kwambiri za onse mayeso. M'mbuyomu, Ine anaphunzitsidwa mazana ophunzira CFA ndi FRM kufufuza Mwa blog, ine ndinaganiza za kukonza mwamsanga kalozera pa CFA vs FRM amene angathandize ophunzira apange chisankho.
Kuti ndikusonyezeni inu zikusiyana pakati CFA ndi FRM, i have created an infographics that will help you make an informed choice.
Kuwerenga Time: 90 masekondi
Ovomereza Tip : CFA vs FRM
- Yotakata vs Focussed - The key difference is that CFA curriculum covers broad range of topics in Finance. Komabe, FRM ndi apadera kulemba mayeso kupeza akatswiri mu Kuchepetsa Management.
- Job Mwayi – CFA makamaka zothandiza anthu amene akufuna kupanga ntchito Investment banki, Mbiri Management kapena Financial Research. FRM atsegula ntchito ya Kuchepetsa Management mu Banks, Treasury Dipatimenti Kuchepetsa Assesments.
- Kudutsa Ziŵerengero - Osadandaula kwambiri za m'kupita mitengo. Onse mayeso CFA ndi FRM kukhala ndi maganizo osiyanasiyana kudutsa mitengo (30-50%).
- Mpikisano - CFA mayeso alibe mwachindunji mpikisano zina wosamalira. Ngati mukufuna kwenikweni kupanga ntchito Invesmtent banki kapena mbiri Management, then the choice of CFA is a no brainer. FRM examination has a direct competition from PRM (Professional Kuchepetsa ka). Ngati mukufuna kuti ntchito Kuchepetsa kasamalidwe, ndiye inu asokoneza kwa kusankha ngati mungafune kusankha awiri mayeso – FRM kapena PRM. Wanga ndiyo kuti FRM ndi m'malo ambiri kufufuza pakati pa awiriwo ndi kuti newbie, N'chinthu chanzeru kuonekera kwa FRM mayeso oyamba.
- Kupenda Zokuthandizani - CFA is slightly easier for students who have an accounting background. CFA maphunziro amadalira kwambiri Malawi chikhazikitso. FRM kufufuza Mosiyana ndi pang'ono mosavuta anthu amene ali quantative maziko monga ambiri maziko msinkhu ndi nkhani maths zochokera.
Choncho amene inu kutenga – CFA vs FRM mayeso?
Ngati muli ndi mafunso / maganizo amenewa mayeso – CFA kapena FRM, chonde chitanipo akuponya ndemanga pansipa


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Ife tikuyamba sabata kumbali ndi Zongopereka, anthunu! Yosangalatsa!
Chronicle Books anali zabwino mokwanira kutumiza limodzi buku 1 2 3 Kusoka: Manga Maluso ndi 33 Zambiri Ntchito Yomanga ndi Ellen Lucket Baker kuti ine onani, ndipo ine ndimakonda izi m'buku woyamba sewers ndiponso achikulire omwe!
Buku zimaonetsa ntchito m'magulu atatu, ndipo aliyense wa anthu atatu ntchito anamanga pa njira kwa imene anabwera lisanayambe. Monga maholide anabwera, sunga mu malingaliro kwa novice sewer m'moyo wanu — Kukula kwa njira anaphunzitsa mu bukuli chachikulu njira kuphunzira!
Project dongosolo zina mwa envelopu mkati chikuto, zimene ndimakonda kusankha pa mabuku amene download pa Intaneti. Ndikuwadziŵa otsitsira yekha chito muyenera amapulumutsa pepala, koma chinthu chotsiriza mukufuna kuchita mukakhala pokha ndi crafting cholakwika chilichonse mwachisawawa Loweruka ndi kukhala moto pa kompyuta ndi chosindikizira ndi kuchita owonjezera masitepe.
Inenso kukonda palibiretu a m'gulu ntchito. Mwa tsopano, matani ife ndi mtundu wina wa shelving kuti accomodates anthu nsalu kyubu nkhokwezi zinamangidwa, ndipo Buku la malangizo okhudza anu! Ife sitiri okha momveka ol’ ofiira kapena Satana kapena buluu lona, anthu!! Placemats, Tote matumba, mapilo… headbands? O inde, headbands. Izi ndi buku lopereka ena akale standbys atsopano sewers pamodzi abwino zatsopano, ndipo ndimkonda.
Ndakhala kusoka kuyambira za 2001, ndipo ndimayendera zosatheka katswiri, koma ine ndakhala imeneyi kochenjera rodeo kangapo. Monga ine paged kudzera m'buku, Ndinapeza malangizo nsalu zopukutira m'manja zimapezeka patsamba 15 ndipo Boom – right there in one of the simplest first projects was a technique I’ve never done before! Ndinaganiza kuphunzira kusoka mitered ngodya.
Ndinasankha ena nsalu kuti akhala anga stash kwanthawizonse – a couple of plaid pieces of sample fabric from my days working at OshKosh B’Gosh, ndi chidutswa cha yakale yoyendera famu azilembo nsalu ndinali anatola pa munda zogulitsa zapitazo.
Pamaso ndinadziwa, Ine ndinali ndi mulu wa nsalu zopukutira m'manja zimapezeka atakhala pamenepo! Koma chinachake chinali akundivutitsa za ine… Tayang'anani pa pamwamba chopukutira cha ngodya ndipo inu mudzawona ndi zosakwana mwangwiro mitered. Ndinali angapo zopukutira m'manja zimapezeka kuti kusoka pamwamba, kotero ine mobwerezabwereza malangizo kwambiri. Likukhalira ine ndinali kuwerenga iwo pang'ono molakwa! Zimene ndaphunzira – mwinamwake ine ndakhala ndi kusoka rodeo kangapo, koma zimenezo sizitanthauza ine ndikayamba gloss pa malangizo! Ndinayesetsa kusoka zingapo zapitazi molondola malangizo, ndipo OMG anyamata. Ndimkonda mitered ngodya. Ine ndikufuna miter m'mphambano pa chirichonse. Ine ndikufuna mwana wanga kuti wake zala sewn mu mwangwiro pang'ono mitered ngodya. Kodi lodabwitsa?
Ndine wosangalala kwambiri kuti bukuli monga Zongopereka msabatayi – tiyeni titenge izo! Kodi inu kuphunzira kusoka? Muyenera bukuli! Kodi inu katswiri sewer? This could be a perfect free gift for someone on your Christmas shopping list, kapena wamkulu kudzoza kwa yakufulumira ntchito mukhoza kwa anzanu ndi achibale kuti maholide. Pali zingapo zimene mungachite kulowa kupambana:
1) Ndemanga. Yankhani nthawi mungakonde pa blog nsanamira madeti 11/20/11 kudzera 12/3/11 - Iliyonse yovomerezeka ndemanga adzakhala kuwerenga ngati Zongopereka kulowa! Onani Ine ndinati yovomerezeka. Pothirira ndemanga pa positi ndi sipamu mukhoza inu otayika. Pothirira ndemanga makumi asanu ndi zina 1 kalata kapena 1 mawu ndemanga mukhoza inu otayika. Pothirira ndemanga pa mfundo yakuti mwana wanga poops kwambiri mwina inu mkulu zisanu.
2) Kujowina yamakalata mndandanda!
3) Twitter kugwirizana athu pamalo! Kukhala, inu MUYENERA monga hrtsnlaserbeams lanu Tweet kapena apo Ine ndidza izo.
Pano pali malamulo mumbo jumbo. Mpikisano zolemba adzakhala analandira 11/20/11 kudzera pakati pa usiku 12/3/11. Izi mpikisano ndi lotseguka kwa anthu a Ngerezi US okha. Pepani, wotumizira ridiculously mtengo. Ngati ine imelo inu kuti inu anapambana ndipo ine sindikufuna kumva mmbuyo mkati 5 ntchito masiku, Ine azitenga wina wopambana. You should make sure heartsandlaserbeams@gmail.com is on your email contacts list to be on the safe side! Onse ali opambana anatola ndi www.random.org. Onse mphatso wapereka Chronicle Books. Ndi wokongola kwambiri izo. Komanso, ngati inu sipamu ndemanga kupambana inu otayika. Kulisunga kwenikweni anthu, ndi zabwino zonse!
Mwina inunso mukufuna
Steph Calvert
Zatsopano nsanamira ndi Steph Calvert (zonse)
- kuyezetsa kuyezetsa - June 28, 2015
- Maphikidwe ku TV: Hot Ham Madzi kuchokera Kumangidwa Development - June 19, 2015
- Quick mapepala Pereka Ufiti Kupulumutsa anu Chilimwe Barbeque - June 18, 2015
- Kuyandikira yogona ndi Gold chala masokosi - June 17, 2015
- Mungachite Kuti anu laputopu cholozera kwa Akudumpha Around - June 16, 2015


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text:
Kumwa kukhumba kugona
Mogwirizana ndi Show ya Bitto, mu kosungira a mbiri likulu la Morbegno, pa Coast wa Cech ndi Valgerola Loweruka ndi Lamlungu a 3 kwa 19 October, mukhoza kulawa zapamwamba Doc ndi DOCG mavinyo, Nkhokwe ndi Yesetsani Valtellina.
Wine koma osati: m'deralo katundu, kuchokera Bitto, Casera za salami, kuchokera rye mkate chikhalidwe bisciola.
A Mtundu kusankha kwa aliyense vinyo wopita:
Green, Yellow, Red, White ndi Blue, pakati zoposa 50 wineries lotseguka.
Pass pakuti njira, Nagula kaya pa malo nkhaniyi mmene nyumba zamatabwa kumene mudzalandira chikho cha mwambowu ndi thumba chalice, asaphonye dontho la vinyo!
Gustosando
Kwabasi vinyo maulendo ku midzi ya Udindo, Civo, Caspano ndi Gerola Alta, kusangalala ndi relive maphikidwe wakale mwambo.
The zipangizo za njira:
adzalandira thumba munali matabwa cutlery ndi mbale mu zamera zipangizo Eco-n'zogwirizana, zimenezi chalice kwa kulawa.
Khalani tcheru: achoke galimoto kunyumba ndi kutenga sitima, Ndinawona awonjezera kwambiri kwa nthawi!
Tags: Bisciola Bitto DOP Casera DOP Morbegno SFORZATO VALTELLINA DOCG Valtellina VALTELLINA apamwamba DOCG Vino


text:
Posts gawidwa gulu 0.9
Version 0.9.0 – Okonzeka, Zokonda, kupita!
Posted by Gregorio mu Kumasulidwa zolengeza, Mapulogalamu Zosintha pa December 12, 2012
Pa 12/12/12 (zimene wokongola deti) pa 20:12 (yoyenera). Ife anamasulidwa Baibulo 0.9.0 yathu pulogalamu yowonjezera. Izi Baibulo m'gulu lalikulu kulilembanso athu zoikamo ndi makonzedwe tsamba. Kupita ku umodzi wautali kwambiri patsamba ndi o njira zambiri kwa mpala tabbed mawonekedwe.
Izi Baibulo si zodzikongoletsera komanso aŵiri akuluakulu zinthu mothandizidwa ndi malo atsopano patsogolo tabu:
1. Kulolerana wa debugging thandizo: Tsopano tidzatha kukupatsani bwino thandizo pogwiritsa ntchito pulogalamu yowonjezera kupeka zipika, ndi kulola kutali debugging.
2. MwaukadauloZida parsing malamulo: Mbali imeneyi zimathandiza inu kusintha mmene malemba ndi kuphwanyidwa kwa omasulira padziko wanu pamalo. Timatha kwambiri pazonse granulation ndi koyenera injini anu enieni kugwiritsa ntchito nkhani.
Komabe – kuchenjezedwa, anthu mbali, ngakhale bwino ayesedwe amalembedwa patsogolo ndi experimental. Kuwagwiritsa ntchito ngati inu mukumvetsa zimene mukuchita.
Pali zambiri zina ndi cholakwika kulewerana zinaphatikizapo, kuti ambiri a iwo woyenera awo positi, koma tsopano, amalola tipite kusintha chipika:
* A chinenero kusankha chida zochokera select2 (Zabwino kwambiri sankhani bokosi ndi mbendera)
* Anawonjezera Ctrl mafungulo mwamsanga panyanja kale / lotsatira midadada (Bwino liwiro ntchito ndi mawonekedwe)
* A latsopano njira kuti walola kuti bwererani ya kasinthidwe wapamwamba kwa recommanded defaults
* CSS kulewerana kwa makumi khumi lathu
* Pewani chikukweza subwidgets mu boma masamba
* Anachotsa kusiyana editable ndi Zotsatira zosanjidwa zongowoneka ngati m'zinenero, tsopano chinenero likhoza kukhala yogwira kapena wolumala
* Kasinthidwe jQueriUI kuti 1.9.2 (jQuery muyenera kukhala 1.6+)
* Atakhazikitsa ndi z-cholozera yakale kalembedwe dropdown (chigamba ndi chemaz)
* Atakhazikitsa ndi cholakwika ndi lumikiza cha Chinese kumodzi ndi chikhalidwe
* Vuto cholakwika popewa Kusintha Mokweza ku atakalamba Mabaibulo
* Kupondereza amaona zida analengedwa mwachindunji ndi udindo
* Pewani rewriting maulalo mu kusakhulupirika chinenero, makamaka Anachita canonicals
* Yathu script chofunika pamene chida amalola kulowa kwa kusakhulupirika chinenero
* Kenako anathana ndi vuto MSN kumasulira ndi Kr / LF
M'masiku kutsatira koyamba kumasulidwa, zitatu nsikidzi akhala anafukula ndipo anakakonza, ngati zinthu zochepa sakugwira ntchito, Onetsetsani polimbikitsa wanu owona.
Amakonda Baibulo!


text:
Warren Zodzigawira (1992 lipoti) anati
Phindu lililonse katundu, chomangira kapena malonda lero anatsimikiza ndi ndalama inflows ndi outflows - wochotseredwa pa yoyenera chiwongola dzanja - kuti tingayembekezere kulankhula kutatsala moyo wa wodalirika.
Warren Zodzigawira wakhala moganizira kampani luso kupanga Free Cash Umayenda. N'chifukwa chiyani wofunika? Izi ifotokoza kumvetsa zimene “Free Cash Umayenda” ndi ambiri ndipo n'chifukwa FCFF ayenera kugwiritsidwa ntchito kuyeza kampani opaleshoni ntchito. Nkhani ino kusasintha monga pa pansipa –
- Kodi Free Cash Umayenda kapena FCFF
- Wamba a Tanthauzo la Free Cash mumayenda
- FCFF mitunduyi – Katswiri wa chilinganizo
- FCFF Chitsanzo mu kupambana
- Analysis wa Alibaba wa FCFF (zabwino FCFF ndi kukula olimba)
- Analysis wa Box FCFF (zoipa FCFF ndi kukula cholimba)
- N'chifukwa chiyani Free Cash mumayenda kwa Otsimikiza (FCFF) nkhani
#1 – Kodi Free Cash mumayenda kuti cholimba kapena FCFF
Pofuna kupeza mwachilengedwe kumvetsa a Free Cash mumayenda kwa Otsimikiza (FCFF), tiyeni tinene kuti pali munthu wina dzina lake Peter amene anayamba ntchito yake ndi poyamba chilungamo likulu (tiyeni tinene $500,000) ndipo ifenso kulingalira kuti iye amatenga ngongole kubanki wina $500,000 moti chonse ndalama likulu waima pa $1000,000 ($1 miliyoni).
- The malonda ayamba mumapezera revenues ndipo padzakhala ena kusonkhana ndalama.
- Onse mabizinesi, Peter ntchito amafunanso nthawi zonse yokonza likulu zotuluka mu chuma chaka chilichonse.
- Ngongole Capital Anaukitsa mu chaka 0 ndi $500,000
- Chilungamo Capital anakulira chaka 0 ndi $500,000
- Palibe ndalama otaya ku ntchito ndi ndalama inatuluka m'thupi ndalama monga malonda ndi koma kuyamba
Maonekedwe # 1 – Peter a Business ndi sikokwanira zasungidwa
Zaka 1
- Tiyenera kuganiza kuti bizinesi wakhala anangoyamba ndi amapanga wodzichepetsa $50,000 mu chaka 1
- Cash inatuluka m'thupi ndalama mu Chuma ndi apamwamba pa $800,000
- Net Cash udindo kumapeto kwa chaka $250,000
Zaka 2
- Tiyeni tsopano amaganiza kuti Peter ntchito kwaiye yekha $100,000 mu Zaka 2
- Kuphatikiza apo, kuti tikhalebe ndi kuthamanga malonda, amafunika nthawi zonse aganyali ku katundu wa kampani (yokonza capex) a $600,000
- Kodi mukuganiza kuti n'chiyani zinakuchitikirani? Kodi mukuganiza Cash kumayambiriro kwa chaka akukwana?- OSA.
- Peter ayenera kulera china likulu – nthawi ino tiyeni tinene wakweza wina $250,000 ku banki
Zaka 3
- Tsopano tiyeni tione ndi nkhawa zinthu kwa Peter . Kungoganiza kuti ntchito yake si kuchita komanso ankayembekezera ndipo anatha kupanga okha $100,000
- Komanso, monga takambiranawa, yokonza likulu ndalama n'zosapeŵeka, Petulo amawononga mnzake $600,000 kusunga chuma akuthamanga.
- Peter Pakufunika china external funding ndi nyimbo ya $500,000 kusunga ntchito akuthamanga
- Ngongole Ndalama wina $250,000 pa mtengo ndi apamwamba ndi Peter invests wina $250,000 monga chilungamo likulu
Zaka 4
- Mu chaka 4, Peter ntchito anatha kupanga okha $100,000 monga ndalama uyenda kuchokela ntchito
- Yokonza likulu zolowa (anatipatsira) ali $600,000
- Peter amafuna china ndalama za $500,000. Nthawiyi, tiyeni tinene kuti alibe ndalama chilungamo likulu. Iye wakudza gombe wina $500,000. Komabe, ino gombe akugwirizana kum'patsa ngongole pa lalitali kwambiri mlingo (anapatsidwa ntchito si bwino mawonekedwe ndi zasungidwa akukayikira)
Zaka 5
- Komabe kachiwiri, Peter okha amatha kupanga $100,000 monga ndalama umayenda kuchokera pakati ntchito
- Capital ndalama kuti ndi anatipatsira ukuimabe pa $600,000
- Nthawi iyi Bank declines kuti kupereka zina ngongole!
- Peter akulephera kuchita patsogolo ntchito kwa chaka china ndi owona kwa bankirapuse!
- Pambuyo losungidwa kwa bankirapuse, Peters ntchito chuma ndi liquidated (anagulitsa) pa $1,500,000
Kodi kwambiri gombe amalandira?
Bank wapereka okwana ngongole ya $1500,000. Since Bank has the first right to recover their loan amount, kuchuluka analandira pa liquidation adzakhala woyamba ntchito kutumikira Bank ndi Peter adzalandira otsala owonjezera ndalama (ngati). Pamenepa, Bank anatha achire wawo padera ndalama monga liquidation kufunika Petulo Ofunika ali $1,500,000
Kodi kwambiri Peter (shareholder) amalandira?
Peter wakhala padera wake likulu (zolunjika) a $750,000. In this case Peter receives no money as all the liquidated amount goes to the serving of the bank. Chonde onani kubweranso kwa shareholder (Peter) ndi ziro.
Maonekedwe # 2 – Peter a Business ichita ndi kusonyeza a kumadziimba zasungidwa
Tiyeni tsopano wina choncho kuphunzira kumene Peter ntchito amalephera kuchita zoipa ndipo infact kukula chaka chilichonse.
- Peter ntchito likunena chimakula kuchokera CFO a $50,000 mu chaka 1 kuti CFO a 1,500,000
- Peter zikutipatsa okha $50,000 mu chaka 2 chifukwa liquidity zofuna
- Kenako iye sayenera ina ya ndalama inatuluka m'thupi ndalama kwa “kupulumuka” m'tsogolo zaka
- Mapeto ndalama Petulo Company amalima kuti $1350,000 kumapeto kwa chaka 5
- Timaona kuti owonjezera ndalama ndi zabwino (CFO + CFI) from year 3 and is is growing every year.
Kodi kwambiri gombe amalandira?
Bank wapereka okwana ngongole ya $550,000. Pamenepa, Peter ntchito akuchita bwino ndi kupoletsa zabwino ndalama umaloŵera, iye amatha n'kothandiza gombe ngongole pamodzi ndi chidwi mu msinkhu anavomera munthawi.
Kodi kwambiri Peter (shareholder) amalandira?
Peter wakhala padera wake likulu (zolunjika) a $500,000. Peter ali 100% umwini mu olimba ndi chilungamo kubwerera tsopano zimadalira kuwerengera za malonda kuti amapanga zabwino ndalama umaloŵera.
# 2 – Wamba a Tanthauzo la Free Cash mumayenda kwa Otsimikiza (FCFF)
Pofuna kumvetsa wamba wa tanthauzo la Free Cash Umayenda kapena FCFF, tiyenera kuchita mofulumira kuyerekezera Mlanduwu Phunziro 1 ndipo Mlanduwu Phunziro 2 (takambirana pamwambapa)
Tikuphunzira kuchokera awiri choncho maphunziro
- Ngati owonjezera ndalama (CFO + CFI) ndi HIV ndi kukula, ndiye gulu ali phindu
- Ngati owonjezera Cash (CFO + CFI) ndi zoipa kwa nthawi yaitali, ndiye kubweranso kwa shareholder akhale otsika kwambiri kapena pafupi ziro
Mwachilengedwe Tanthauzo la Free Cash Umayenda – FCFF
Monzama kuyankhula “Owonjezera Cash” sichina koma Free Cash mumayenda kwa Otsimikiza kapena FCFF. DCF valuation focuses on the cash flows generated by the Operating Assets of the business and how it maintains those assets (CFI).
FCFF = ndalama inatuluka m'thupi ntchito (CFO) + Cash uyenda kuchokela ndalama (CFI)
A malonda amapanga ndalama kudzera mwa tsiku ntchito ya kupereka ndi kugulitsa katundu. Ena mwa ndalama ali kubwerera ku ntchito kuti adzikonzenso yogwira chuma ndi thandizo ntchito likulu. Ngati malonda akuchita bwino, tiyenera kupanga ndalama zambiri kuposa zinthu zofunika zimenezi. Aliyense ndalama zina zapadera ndi ufulu kupita kwa ngongole ndi chilungamo zopalira. Mpheta ndalama chikudziwika ngati Free Cash Umayenda
#3 – Free Cash mumayenda – Analyst’s Formula
Free Cash Flow formula can be represented in the following zitatu njira -
1) FCFF chilinganizo kuyambira EBIT
Free Cash mumayenda kuti cholimba kapena FCFF = EBIT × (1-msonkho mlingo) + Non Cash milandu + Kusintha Kuchita likulu – Capital zolowa
2) FCFF chilinganizo kuyambira Net zopeza
Zopeza Asanachotse Msonkho + Depreciation & amortization + Chidwi × (1-msonkho) + kusintha Kuchita Capital – Capital zolowa
3) FCFF chilinganizo kuyambira EBITDA
EBITDA × (1-msonkho mlingo) + (Dep & Amortization) × msonkho mlingo + kusintha Kuchita Capital – Capital zolowa
Ine adzasiya kwa inu kuyanjanitsa wina chilinganizo ndi inayo. Makamaka inu akhoza kugwiritsa wa anapatsidwa FCFF mitunduyi. Monga chilungamo katswiri, ine kuti zinali zosavuta ntchito mfundo imene anayamba EBIT.
Additional notes on FCFF Formula Items
Zopeza Asanachotse Msonkho
- Net achitiridwa itsegu- ku zopeza mawu.
- Akuimira ndalama okonzeka shareholder wa pambuyo misonkho, depreciation, amortization, chidwi ndalama ndi kulipira ankakonda benefiti
Non Cash milandu
- Non ndalama milandu ndi zinthu zimene zimakhudza ukonde ndalama koma kumafuna chobwezera cha ndalama. Ena wamba si ndalama zinthu zili m'munsimu
Pambuyo msonkho Chidwi
- Popeza chidwi ndi msonkho deductible, pambuyo-msonkho chidwi anawonjezera ku ukonde ndalama
- Chidwi ndalama ndi ndalama alandira wina wa malamulo a za cholimba (ngongole zopalira) motero, ndipamene mbali FCFF
Capital zolowa
- Investment mu anakonza katundu ndi ndalama outflow wofunikila kampani kukhala ndi kukula kwake ntchito
- N'zotheka kuti kampani amapeza chuma popanda ntchito ndalama pogwiritsa ntchito katundu kapena ngongole
- Katswiri liyenera kuunika zapansi, monga awa kwambiri kugula si ntchito ndalama m'mbuyomu, koma zingakhudze Mapa zakutsogolo FCFF
Change ntchito Capital
- Ntchito likulu kusintha zimene zimakhudza FCFF ndi zinthu monga Inventories, Nkhani Receivables ndi Nkhani azolipira.
- Izi tanthauzo ntchito likulu amakonda ndalama ndi ndalama zofanana ndi yochepa ngongole (zolemba azolipira ndipo panopa gawo Pomalizira ngongole azolipira).
- Sakuphatikizapo si ntchito panopa chuma ndi ngongole, e.g. benefiti musonyeze kuti alandire zina
# 4 – FCFF Chitsanzo mu kupambana
Ndi pamwamba kumvetsa mfundo, tiyeni tsopano yang'anani pa ntchito chitsanzo cha kuwerengetsa Free Cash Umayenda. Tiyeni tinene kuti mwakhala anapereka Kusamala Mapepala ndi ndalama Statement kwa kampani mogwirizana pansipa. Mukhoza kukopera ndi FCFF kupambana Chitsanzo kuno
Kuwerengera FCFF (Free Cash mumayenda kwa Otsimikiza) kwa chaka 2008
Anakonza
Tiyeni kufuna kuthetsa vutoli ntchito njira EBIT.
FCFF Formula = EBIT x (1-msonkho) + Dep & Amort + Kusintha Kuchita Capital – Capital zolowa
EBIT = 285, msonkho mlingo ndi 30%
EBIT × (1-msonkho) = 285 × (1-0.3) = 199.5
Depreciation = 150
Kusintha Kuchita Capital
Capital ndalama = kusintha Gross Katundu Bzalani ndi Zida (Gross PPE) = $1200 – $900 = $300
FCFF = 199.5 + 150 – 75 – 300 = -25.5
Kuwerengetsa Free Cash mumayenda kwa Otsimikiza ndi mwachilungamo m'mbali. Bwanji iwe kuwerengera FCFF ntchito zina ziwiri FCFF mitunduyi – 1) Kuyambira ndi Net zopeza 2) Kuyambira ndi EBITDA
#5 – Alibaba FCFF – Zabwino ndi Kuwonjezeka FCFF
Pa 6 May, 2014, Chinese E-malonda heavyweight Alibaba ada mangala registration document to go to public in the US in what maybe the mother of all Initial Public Offerings in the US history. Alibaba ndi mwachilungamo osadziwika chilli mu US ndi zina m'madera, Koma yake yaikulu Tingayerekezere kukula kapena aakulu kuposa Amazon kapena eBay. Ndinali wochotseredwa Cash mumayenda njira kwa Alibaba wa kuwerengera ndipo anapeza kuti chodabwitsa kampaniyo ofunika pa $191 biliyoni madola!
Pakuti Alibaba DCF, Ndinafunika mapa zake ndalama mawu ndiyeno kuwerengera Free Cash mumayenda kwa Otsimikiza. Mukhoza kukopera Alibaba Financial Model kuno
Anapereka pansipa ndi Free Cash mumayenda kwa Otsimikiza za Alibaba. The Free Cash otaya zidzasankhidwa pawiri – ndi) Historical FCFF ndipo b) Forecast FCFF
- Historical FCFF ndi anafika ku zopeza Statement, Moyenera Mapepala ndi Cash Umayenda wa kampani ake malipoti
- Forecast FCFF ndi kuchita masamu pokhapokha ikhala yotani pa Financial ziganizo (ife amalitchula monga kukonza Financial Model) Financial kumutsatira pang'ono lachinyengo ndipo ine osakambirana mfundo za Financial kumutsatira m'nkhaniyi.
- Tikuona kuti Alibaba a Free Cash mumayenda akuchita zambiri chaka ndi chaka
- Pofuna kupeza kuwerengera wa Alibaba, tiyenera kupeza dongosolo kufunika onse m'tsogolo ndalama zaka (kuti chigulitsire)
#6 – Box FCFF – Zoipa ndi Kukula
Pa 24 March,2014, Online yosungirako kampani Box ada mangala kuti IPO ndipo anaulura ake zolinga kulera US $ 250 miliyoni. Kampani mu mtundu kumanga zikuluzikulu mtambo yosungirako nsanja ndipo competes ndi biggies ngati Google Inc ndi mnzake, Dropbox. In case you want to understand further on how Box is valued, please refer to my article on Box IPO kuwerengera
M'munsimu muli ndi zolosera za Box FCFF lotsatira 5 Zaka
- Box ndi tingachipeze powerenga nkhani ya mkulu kukula mtambo kampani imene kupulumuka chifukwa Cash zichokere ndalama (amanena Mlanduwu Phunziro # 1)
- Box ikukula pa mofulumira kwambiri mayendedwe ndi iyenela kupanga Free Cash Umayenda kupita kutsogolo.
- Popeza Box FCFF ndi maganizo wotsatira 5 Zaka, mwina si nzeru kuwerengetsa kufunika Box ntchito wochotseredwa Cash mumayenda njira. Pankhaniyi njira pogwiritsa ntchito Wachibale kuwerengera mawu.
- I am rather scared of this IPO and infact wrote an article on Top 10 Scariest Tsatanetsatane wa Box IPO. Chonde onani kuti mmodzi wa scariest mwatsatanetsatane mu Box IPO ndi kampani Negative Free Cash Flow.
# 7 – N'chifukwa chiyani Free Cash Umayenda Olondola
- EPS akhoza tweaked koma FCFF sangakhoze - Though EPS is widely used to measure company’s performance, Komabe, EPS mosavuta tweaked (chifukwa mlandu ndondomeko nthano) ndi kasamalidwe ndipo sikofunika kukhala yabwino muyezo ntchito. Ndi bwino analangiza kugwiritsa ntchito muyeso umene uli wopanda mlandu nthano. Free Cash alandira otsimikiza angakhalire amenewa muyeso umene sangathe kupusitsidwa ndi Malawi Kusintha.
- Simungathe kupita kugwira mwamsanga ngati FCFF zabwino ndi kukula – Companies that produce consistently higher and growing levels of Free Cash Flows are unlikely to go bust any time soon and investors should take this into account while investing in the firm.
- Chabwino Nchotani kwa ndalama kufunafuna Capital Timayamikira – Pakuti kukula wokonda kutumikira ndalama, makampani ndi mkulu Free Cash Umayenda mwachidziwikire aganyali ufulu wawo ndalama kwa likulu ndalama kuti ndi zofunika kulima pachimake bizinesi. Kukula misinkhu Free Cash Umayenda yambiri kwambiri chizindikiro cha tsogolo zasungidwa akupeza.
- Chabwino Nchotani kwa ndalama kufunafuna nthawi zonse benefiti – Pakuti ndalama ndalama, Free Cash Umayenda angakhale odalirika chizindikiro cha kampani kuti asamakhale ake phindu lopeza kapena kuwonjezapo ake payout.
Mapeto
Tingaonenso kuti owonjezera ndalama kwaiye kampaniyo (CFO CFI) akhoza approximated monga Free Cash mumayenda kwa Otsimikiza. Ife kuona kuti EPS sangakhale yabwino ndithu kuti kudziwa kampani ntchito monga atengeke mlandu nthano ndi kasamalidwe. A njira yabwino kuyeza kampani ntchito ndi kuwerengera Free Cash mumayenda kuti otsimikiza (FCFF) ngati izo zikuwoneka pa kampani luso moyo ndi kukula popanda kunja magwero a ndalama (chilungamo kapena ngongole). Discounting onse m'tsogolo Free Cash mumayenda anatipatsa ndi ogwira ntchito Mtengo wa Otsimikiza. Kuwonjezera, FCFF is widely used not only by the growth investors (kufunafuna likulu phindu) komanso ndalama ndalama (kufunafuna wokhazikika benefiti). Zabwino ndi kukula FCFF chikutidziwitsa kwambiri m'tsogolo mumapezera maluso, Komabe, zoipa ndi patsogolo FCFF angakhale nacho chifukwa cha kudandaula kwa malonda.
Kodi Kenako?
Ngati mwaphunzira zatsopano kapena anasangalala positi, chonde kusiya ndemanga pansipa. Ndiroleni ine ndikudziwa zimene inu mukuganiza. Zikomo ndi kusamalira.


text:
Kasungu
KASUNGU
Kasungu ndi Mzinda Boma la Kasungu omwe uli mchigawo cha pakati cha dziko la Malawi. Kasungu uli pa mtunda wa pafupi fupi ma kilometer 130 ku mpoto cha ku madzulo kuchokela ku kapitolo la Malawi, Lilongwe, ndipo mtunda wa 35 cha ku m'mawa kwa Kasungu National Park.
Contents
Mbiri[edit | edit source]
Munda wina waukulu (farm) ndiye pomwe padabadwira pulezidenti woyamba wa
Nyengo ndi Jogalafe[edit | edit source]
Kasungu ali pa kati pa dziko la Malawi, ndipo adagona pa mtunda okwana 1342 meters kuchoka pa mtunda wogona nyanja (sea level). Pa chifukwa ichi kasungu ali ndi nyengo ya "warm tropical climate" ndipo nyengo ya mvula (Chilimwe) yochoka m'miyezi ya Novembala/Decembala mpaka Malichi/Epulo. Nyengo ya dzuwa kuchoka mwezi wa Meyi mpaka mwezi wa Okutobala. Mvula yomwe imagwa ku Kasungu imafika pafupifupi 500mm - 1200mm pa chaka.
Demographics[edit | edit source]
Chiyankhulo[edit | edit source]
Chichewa ndiye chilankhulo chomwe chimayankhulidwa kwambili ku Kasungu. Koma pakuti Kasungu anayandikana kwambili ndi Mzimba (komwe chiyankhulo chachikulu ndi Chitumbuka), kumayankhulidwanso Chitumbuka.
Kayendedwe[edit | edit source]
Njira yayikulu yofikira ku Kasungu ndi kudzela Msewu wa galimoto, tsono munthu atha kupit ku Kasungu pa Basi,Minibasi kapena Galimota la pulayiveti. Ma pulani ali mkatikati okuti Njanji ya Thileni idutse mpa mkati mweni mweni mwa mzindawu. Kamba ka mavuto a mafuta a galimoto owe navuta zedi mu chaka cha 2010, kunali kovuta zedi kuyenda mu mzindawu chifukwa mafuta a galimoto amasowa zedi. Kunali kofuni kuthila ku Lilongwe (ngakhale movutikila zedi) kuti munthu athe kuyenda mu kasungu ndi kubwelela komwe wachokela mosavuta. Izi zidapangitsa kuti mafuta ogulistidwa mwa chinyengo (black Market) achuluke, zomwe zidali zoyipa zedi. Koma mapulani aliopo omanga payipi yayikulu ya mafuta yochoka ku Tanzania ndiponso omanga ma tanki akulu zedi osungilamo mafuta. Izi zanenedwa ndi Boma la Malawi.
Malo achisangalalo ndi Osangalatsa[edit | edit source]
Chinthu chomwe chili chochititsa chidwi zede mu mzindawu ndi Kasungu National Park.


text:
NKHANI YA PACHIKUTO | KODI SATANA ALIPODI?
Kodi Satana Alipodi?
“Ndili mwana, ine ndi makolo anga tinkakhala ku El Salvador. Ndikachita mwano, mayi ankakonda kundiuza kuti, ‘Satana abwera kudzakutenga.’ Koma ine ndinkawayankha kuti, ‘Abwere! Ine sindiopa Satana chifukwa ndimakhulupirira Mulungu.’”—ROGELIO.
Kodi nanunso muli ndi maganizo ofanana ndi a Rogelio? Pa mfundo zomwe zili m’munsizi, ndi iti imene mukuona kuti ndi yolondola?
Satana ndi maganizo oipa amene munthu amakhala nawo mumtima mwake.
Satana alipodi, koma sachita chidwi kwenikweni ndi zochita za anthufe.
Satana ndi mngelo woipa yemwe amachititsa kuti anthu azichita zoipa.
Ena amaona kuti mfundo yolondola ndi yoyambayo, ena amati yachiwiriyo ndipo ena amati yolondola ndi yomalizayo. Koma kodi kudziwa zoona pa nkhaniyi n’kofunika? Ngati Satana kulibe, ndiye kuti amene amakhulupirira kuti alipo amakhulupirira zabodza. Ngati Satana alipodi koma sachita chidwi kwenikweni ndi zochita za anthufe, ndiye kuti anthu amene amamuopa, amangoopa njokaluzi. Komanso ngati Satana ndi mngelo woipa, yemwe amachititsa kuti anthu azichita zoipa, ndiye kuti ndi woopsa kwambiri kuposa mmene ambiri amaganizira.
Tiyeni tione zimene Mawu a Mulungu amanena pa mafunso otsatirawa: Kodi Satana ndi ndani? Kodi ndi maganizo oipa amene amakhala mumtima mwa munthu kapena ndi mngelo woipa? Ngati alipodi, kodi ndi woopsa? Nanga mungatani kuti mudziteteze?