sábado, 18 de junio de 2011

Abstract del artículo http://ag.arizona.edu/pubs/family/az1341/az1341i.pdf

Today, we all have to do with the topic of finances:
Governments, large corporations and even individuals and families in the case of families, not always dealt with the issue with the importance that is required.

We could also say that almost  all the families have faced financial crisis, which has been the subject of many discussions and differences.  To avoid this each family, each persons, should have a budget that includes all income and expenses. Do the budget based on actual income, not what you expected or the uncertain.  Detail all expenses, including those to be minors such as hair dressing, dinners, movies , etc.  Also, fixed expensed such as rent  or mortgage, loans, gas, phone, school, etc.  After this subtract costs revenues.

If  costs are higher than income, it is being spent  as most  at wath  is received, it is also important  to allocate an amount to emergency or contingency fund, as also a found of savings; but always separately.

The two founds should not be in the same bank account.  Finally, a percentage minimum of what should be earmarked for the annual or monthly income for savings and contingency should be established.  For example 10% of the annual income.

Mapa conceptual del capítulo 11 del Libro Administración Fianciera:Apalancamiento y estructura de capital

Con éste mapa conceptual buscamos dar a conocer nuestro punto de vista en lo referente al apalancamiento como una herramienta que pueda controalr el riesgo, aumentar los rendimientos, entender el punto de equilibrio de la empresa y determinar la mejor estructura de capiltal de la misma.




Sandra Johanna Delgado
Maria del Pilar Ospina
Clara Liliana Gamboa

Grupo 3
Gestión Financiera
Administración de Empresas - EAN