Don't worry about unemployment, work is idle, and human beings are born risk-averse creatures. These reasons are enough to make countless newly graduated college students and their parents flock to them.
If you have read the Japanese financial master Noguchi's "Accurate Effort", you will understand that in the financial field, the value of enterprises is often evaluated by a formula, that is, "present value (PV)= future cash flow (CF)÷ discount rate (R)".
The discount rate is the credit evaluation of others. The lower the risk, the easier it is to gain the trust of others, the higher the value of the enterprise, and so are people.
Although the salary of civil servants is not high, the stability of their jobs makes them extremely popular in the marriage and love market.
However, this is not to encourage you to become a civil servant. We should also pay attention to the first part of this formula, "What will happen in the future?" In order to improve our competitiveness, it is natural to make the denominator smaller, the numerator bigger, the risk smaller and the income higher. In other words, in the workplace, our value depends on whether we can create a large amount of cash flow stably.
The author Noguchi has been active in the financial field for a long time. Since he founded the company, he has been engaged in the enterprise value evaluation of M&A projects. So far, he has handled more than 2,000 valuation cases, ranking first among private consulting firms for many times. Besides, he learned to spend money, panda. How much is it worth? "and other works, the score on Douban is above 7 points.
This time, he used financial thinking to teach you how to recognize your own value, improve your credit while improving your earning ability, achieve sustainable development, and help you solve the "long-standing" problems in the workplace such as employment, promotion, job hopping and salary increase.
In today's society, employees who kiss up to leaders and accept their instructions in full, whether right or wrong, are not as popular as before. Nowadays, it is rare to work in a company for a lifetime, and it is not uncommon to change jobs several times a year.
Suppose you are on a boat now. You see that the boat is about to hit an iceberg, but you don't say anything to stop it. The ship sank and no one was spared. If you don't learn to swim, it's hard to get help.
If you never think about how to make the company get more benefits at work and learn the necessary skills at work to enhance your value, you will not have any resistance whether you are facing company closure or layoffs.
Therefore, enterprises need talents who can create a lot of cash flow, not employees who live in a muddle.
How can we estimate the value of employees? This requires Noguchi's financial formula "present value (PV)= future cash flow (CF)÷ discount rate (R)", that is to say, what can determine a person's present value is the amount of money he can create for the company in the future.
Using this formula, we can clearly calculate the return on investment. For example, if you commute for more than 2 hours every day, it will put a great burden on your health, but you can't make up your mind to spend half your salary living outside the company. At this time you need to weigh the pros and cons. If the time saved can be used for study and rest, you can get better grades at work, and the salary increase far exceeds your efforts, then the money is well spent. If it's just for playing with mobile phones, you'd better give up the idea.
This kind of financial talents with long-term vision is also very important for enterprises. The value of a company's fixed assets will not exceed their prices. The real value of large enterprises is their talents and brand power, which is the key to their great wealth and their best asset.
In the early stage of the Chu-Han War, Liu Bang repeatedly defeated Xiang Yu, and was driven to the end of his rope many times, even to the point where he kicked his sons and daughters out of the carriage and fled for their lives. But as long as he has talents like Han Xin, Sean and Xiao He, he can rally and finally force his harsh subordinate and grumpy enemy Xiang Yu to commit suicide in Wujiang River.
What are the benefits of working with financial thinking for us? The most important thing is to jump out of our work scope and look at the work from the overall situation, that is, think like a boss, how to make more money with the least cost. This way of thinking can make you become an ambitious person from a screw that listens to orders, develop your own career map and bring more benefits to the company.
Therefore, if you want to be promoted, you don't have to be obsessed with interpersonal communication and personnel changes in the workplace. This kind of internal evaluation is useless to other companies and will only consume your energy.
If you want to be recognized, the most important thing is to improve yourself, invest in yourself and maximize your future cash flow. This requires you not only to lay a good foundation and make achievements in your own work, but also to keep learning after work.
So, how can we make more money and become an indispensable person in the company?
Now, you think of yourself as a magician and the company as a treasure chest of your own performance, which is full of various props. You can use them for all kinds of performances. The better you play, the more the audience will buy it, and you gain money and fame in the process.
It is difficult to go it alone. Only on a large enough platform, using the company's assets, contacts and technology, and gaining enough experience, can we be in an invincible position in the job market and even go out and start our own business. After all, standing on the shoulders of giants can see higher and farther.
In order to make good use of the company's resources, we must first recognize the company's value chain. What is the value chain?
For example, the success of a product is often inseparable from such a process, research, procurement, development, sales, after-sales, brand building, which is a complete value chain. If you don't know your position in the team and don't collect relevant information, how can you improve your business level?
Of course, you should not only know what you are doing, but also know what others are doing. If sales think that products can only be sold by their own eloquence, they will completely ignore the efforts of other colleagues and have a wrong evaluation of their own abilities.
Every position has its value. In addition to directly bringing profits and serving customers' sales, financial and administrative personnel can also show their value in the company by reducing expenses and improving office efficiency. Their cheerful personality may also bring vitality to other colleagues in the company, so there is no need to sell yourself short.
If you understand your position in the work, you will be promoted. Even if you have made great achievements in the past, you should understand that this is not everything, but you can usually calculate the value you may create in the future according to your past achievements.
For example, Xiao Ming Xiaojiang He got 80 points in this exam, but Xiao Ming kept 90 points before, and Xiao Jiang was on the verge of passing. Who will you have more confidence in next time?
There is no doubt that we will all choose Xiao Ming, which can also be applied to job-hopping situations. When a project is a great success, the value of your job-hopping will definitely far exceed that when the project fails.
Therefore, improving others' evaluation of us is the process of improving our own value. If you want to raise your boss's salary, you must let him know that you will bring more profits to the company and win his favor.
The company is the most important platform for us to show our working ability, and choosing a company is a crucial difficulty for every job seeker. We don't need to be number one in the world, but we can be the best and strongest in our own professional field.
On March 28th this year, Bi Li Bi Li, a domestic secondary barrage website, was listed on NASDAQ. This achievement has not even been achieved by domestic video websites, such as iQiyi and Youku. They focus on the second time, provide customers with the best service in this field, make a reputation and grow rapidly in a few years. On the contrary, it is better than peers who have everything, but have been unable to serve, which has given them a serious blow.
At first, we said that although the salary of civil servants is low, from the formula of "present value (PV)= future cash flow (CF)÷ discount rate (R)", low occupational risk is still the best choice for many people.
On the other hand, if something is risky, it will not be our first choice unless its benefits far exceed its losses. Just like stocks, unless we have enough investment knowledge, most people are "risky when entering the market, so we should be cautious when investing". By the same token, if you are an honest and trustworthy person, you will easily gain the trust of others and people will be more willing to cooperate with you.
However, the relationship between income and risk is not so absolute. Not long ago, Tangshan cancelled all the toll stations around the road and bridge, which is a good thing for the citizens. But the laid-off workers at the toll booth asked the leaders to explain. She said: "I am 36 years old and can't learn anything except charging." The elder sister's experience sounded the alarm for us. The stability you think is not really stable, and it is probably only temporary, especially today when AI technology gradually replaces labor.
As mentioned earlier, people usually judge your future potential according to your past performance. "He has won the first prize several times, and it should be the same next time." In other words, as long as you dare to meet the challenge and gradually improve your performance, people will have more confidence in your ability to resist risks. In the formula for judging your present value, not only will your future cash flow increase, but your discount rate will also decrease, and the numerator will become larger and the denominator will become smaller.
Now the industry is in a state of rapid development, and the knowledge we mastered at the beginning may no longer be useful. To avoid being eliminated by society, we must learn to use financial thinking flexibly, create more income, improve our credit and become an irreplaceable person in the workplace.