How to use excel to analyze which customer owes more money and for a long time?

Your question was also discussed by Adam Smith, The Wealth of Nations (a study on the nature and causes of national wealth). You can read the pocket edition of Business Press, but this book only explains the mechanical stacking of material wealth, most obviously despising the service industry, aiming at the argument that trade currency, especially gold, has an impact on the increase of social wealth. The explanation of "Born on July 21st" on the first floor is popular and intuitive-the social appraisal price of private property, which is superimposed into the wealth of social collectives. Although the money earned by individuals (families) is for their own use, the explanation is also very refined. As for why personal wealth has increased, there is no explanation. I have been puzzled by this problem for a long time. What's the use of social wealth? --------Make people's life more comfortable and convenient (comfort includes food, shelter and entertainment, and convenience lies in meeting the demand faster, including LCD TV, housing and other material wealth, as well as ideas such as songs (copyrights) and patents, and spiritual wealth. As for the barber's help in getting a haircut, what kind of wealth is google search? Because these actions also have to be paid, explained below) why do people live in the world (this problem is complicated to explain)? But experience life all the time, (here life is a higher level of survival). Life includes one's own dedication, one's own great creation, life (society) serves the individual, and the individual serves the life (society, more helpfully speaking, the individual "the world is better because of your existence"). Life (society) provides basic food, clothing, housing and transportation, and the individual provides rich contents of life, which can also be said to increase social wealth, although some of these wealth is directly consumed, while others are not aware of it. Some of them are brilliant and bright, just like stars. For example, the chef cooks and eats/participates in competitions. For this special dish, the rich directly use this chef, and the society is eager to taste it-Buddha jumps over the wall, boiled live fish, Bill? Gates created Microsoft desktop, and now the powerful VISTA, it can be asserted that he may only use Word for beginners, but he can click on the screen for three-dimensional display handsomely in front of the public because of VISTA's powerful running power, and the world has entered the VISTA era, which is more powerful and three-dimensional than XP. The difference between us and Gates is that we don't have as much money as him, but we also use VISTA, and we can be as advanced and handsome as him. This is the manifestation of the increase of wealth and the improvement of living standard. It is also the fact that life (society) basically serves individuals, and individuals serve life (society, to put it more beneficially, individuals "the world is better because of your existence"). For example, someone has compiled a desktop tool that is better than VISTA's desktop sidebar, and this person has made little achievements. Maybe Bill? Gates is still using his VISTA sidebar. Life in the world, no matter why you live, you have to live wonderfully. Wonderful means cozy, comfortable and convenient. Comfort here is the solid line of dreams, and comfort and convenience are the feelings of enjoying life (in this regard, some people need a BMW, some people may want a Rolls Royce, or even a private jet to be comfortable, but driving a BMW is obviously better than driving a former Korean car-"The door is not tightly closed, the bumper is rusty, and the car will only move when it is pushed, and it will also be downhill." In Beijing's Korean modern taxi, the steering wheel is still aging and slag is falling, and people are eager to go high. To sum up: people should be comfortable and convenient. Social wealth makes people's lives more comfortable and convenient (flowers only with money). Comfort and convenience are needs and pursuits, and wealth is a means, a means and a way to achieve comfort and convenience. People pursue achievement, money, wealth and pursuit. . . . Isn't it FOR live better in the end? It can be said that the means to make people's lives more comfortable and convenient are all social wealth. The previous "means, methods and paths" are not only an idea, but also include materials, not as good as houses, such as PCs, programming algorithms, programmers ..., and can also be directly understood as "production factors" (land, factories, raw materials, machines, operations, administrators, management, welfare mechanisms, production line technology principles. Capital ...) The production of enterprise factories is not just to meet a kind of demand (although sometimes the product is only the raw material of another product, it is ultimately people-oriented and serves "comfort and convenience"), and production is a path of "comfort and convenience", so beauty salons and google search services are also social wealth. After the above definition and orientation, the following is a good explanation of daily examples and ways to increase social wealth. The method of increasing social wealth is to meet the needs of increasing people's "comfortable and convenient" ways, and the formation/production of ways requires complete elements-"production factors" (land, factory buildings, raw materials, machines, operations, administrators, management, welfare mechanism, patents on production line process principles, funds ...), "everything is ready, only the east wind is needed", and "everything is ready". It can be seen from the above elements that some elements are basically used: "land", and some are everywhere: "people". The simpler the action, the more people who meet the standards and meet the conditions. Some are definitely there, but not enough, the more the better-"money", some are nowhere in heaven, no holes in the ground, illusory, and that's what it is (after understanding technology). That's "patent". The technical barrier is the magic like a fairy. Want to ascend to heaven? Different elements have different characteristics: capital-GM, people, land, factories and patented land-on urban land, it is convenient to do things, and the land price will be killed. Minerals-(coal, oil), under the background of mass production in the world, many of the same factors produced, such as ethylene from petroleum cracking, are the basis of chemical industry. The more, the better. The more you sell, the more you earn. However, if you sell one copy, you will lose one point, so you should leave some capital for future generations on the same land/if the money earned is transferred to (instead of buying equipment, etc., it is equivalent to getting something back). Just like Aksu, which is transporting gas from the west to the east, is poor, instead of becoming as rich as the Middle East, while Beijing and Shanghai, like bloodsucking gui, can spend 2-4 cents on buses instead of 2 yuan, and the natural gas is 1.37 yuan and 2.1 yuan/cubic meter. The local people are leisurely and happy, and they are called foreigners, rural people (townships) and call themselves uncles. Guangdong, which imports LNG, 3.8 yuan/m3. (If a city consumes 3 billion m3 a year, it can be estimated how much more money a family has to bear each year, and the money can be regarded as pure profit. Therefore, Shenzhen laments "Who abandoned you in Shenzhen", and you can also sigh. In the case of public ownership, land and minerals belong to the state (even if you have a strong sense of hometown, home is also a hotel. It is better to buy a piece of land in a private ownership country, and everything on the ground belongs to you, and the family castle can be glorious for a long time), so it doesn't matter that "plunder leads to the gap between the rich and the poor". For specific operations, the state is vague in reality, and "collective" (village, city and province) is decisive and public. > Public ownership, which originally enjoyed benefits, cannot create benefits for the collective. The road is still so broken, and all the good teachers have run away. Except for the boss, the big official's car is very bright. I want to ask the village/district finance if it is rich, and it has increased, but how much has it lost? It is entirely the relationship between pig ears and pig tou. In recent years, with the prosperity of real estate, it seems that cities have much more money. In fact, it is because of "tearing down the old city and tearing down the new city, and then tearing down the original new city"-for the sake of land sale and government revenue-> > Twist people running around, running around. In order to find a shelter from the rain and build a mansion in a good location, the original locals went to a little place, asked for a mansion and took money. Root-7-year land use right,-> > It will take 7 years to build a good house; Forced demolition, the house is circled, it will be demolished, or it will be disharmony. ——> > > Therefore, the happiness of the city people is not as good as that of the country people, and the pursuit of "a farmer's spring is a little field" is not without roots. ——> > The vicissitudes of life and poverty of the whole people-because they are going to be slaves (house slaves). Having a house to shelter you from the rain won't make dogs stray and howl. As a basic need of individuals, the result is that people who are masters of their own homes live like "Chinese dogs"-hard work (group renting, migrant workers), perseverance, commitment to the boss, and can't spend money indiscriminately and seek medical treatment. Save money, and finally give a lifetime of money to the real estate agent/government (generally, buying a house at the age of 28 +X years of loans, a person has lived a dog-like prosperous year, what kind of rest is there? ）。 The government demolished and built, but it is still a pile of junk, which has not accumulated, although the city center is very modern. Almost all the rich people in China are real estate developers (coal mines, real estate is related to government revenue, and the relationship is tortuous-> > Not-so-good people have also made a fortune, as if "getting bad means getting rich", knowing the times, making relationships, and discussing at the wine table). In fact, that is the height of the pressure on the public body. ——> > > > The gap between the rich and the poor is more obvious. (The above is about the overall situation of plunder and the gap between the rich and the poor in China, namely, land, real estate, minerals and coal.) The method of increasing social wealth, that is, to meet the increase of people's "comfort and convenience", analyzes the characteristics of "factors", and then talks about how to increase social wealth from the "factors", which are divided into material factors: land, capital, minerals … and soft material factors-thinking. For material factors, the state should provide convenience, just like Shanghai can't keep "Ma Yun" (at the beginning of the company, Ma Yun will be based in Shanghai), but Ma Yun's achievements are the first in China tennis, which will also affect world business (compared with Baidu's lack of GOOGLE academic major, QQ earns boring money). Material elements are the basic elements, which have no influence on the generation of paths. To achieve technological progress, it is necessary to invest in education and research. The financial and material support of large companies cultivated. It's like a college student rags into a millionaire, which doesn't give people a bright feeling, because there is no dreamy growth and no passion here. In fact, he is just a million-the price of a suite, and he has never grown up. Production enterprises have fled Guangdong, and the news has been calling for growth points. What is the growth point? Because of Suntech, China can be said to have solar energy, and the income is good. ZJS, Baidu and UAA are all imported products, because there is no such thing in China before. Gome and Damai are also imported management models with brilliant achievements, but it seems that our media and the public are still concerned about these fleeing enterprises. Look where these enterprises have gone. Somewhere cheaper than ours. Do we still have to maintain the level of cheap, Cheap? People in Shenzhen invented USB flash drive, and since then, the world has thrown away floppy disks. Poor knowledge protection-there is no patent fee to collect, but domestic DVD production pays people in vain. The domestic stock market is weak, and google has not been seen. In two years and one year, the stock price of first nano has risen five times and ten times. Look at the enterprises in China. They are mostly struggling at a low level. The mining industry, real estate, hotels and equipment are always imported, and the advertisements always say "the quality of ××× countries". The hotels are managed by outsiders, the stores are built for people, and the automobile production is assembled. Since the purpose of wealth is to satisfy people's comfort and convenience-> > Expand domestic demand, comprehensively upgrade the living standard of the whole people, make it comfortable and convenient, encourage exports, and exchange for the needed "factors of production". If there are many factors, it will be convenient for the path to be realized. If Japan does not have steel, it will be impossible to build a modern high-rise building. Although its resources are poor, it relies on technology and financial assistance to help Kazakhstan acquire uranium mines and Sakhalin, Russia, to obtain natural gas. On the other hand, Japan's "factors" are integrated into a complete comfortable and convenient path to meet people. > Japan's cities are modern, and the Shinkansen is fast and punctual, which is more convenient for logistics and transportation and national travel. The increase of wealth is the increase of the path to comfort and convenience->; > Don't fiddle with what you shouldn't. There will be less housing, medical care, hukou and education. Don't obstruct it any more. What's the difference between the oppression of housing and the depression of people's livelihood caused by Daxing palaces and luxury houses in feudal times? Real estate sales, commercial behavior is understandable, but people in the city have no land and no room to stand on? What is the country for? Need to force taxpayers' money to feed? Isn't it just to protect? Otherwise, the country is not a country, which people have no psychological difference, the land is also private, and they build their own houses. The public only has that little money, and 1 million barely has a suite. If it is used for further study abroad ...? Diseases hinder patients' production activities, but they will consume social wealth if they can't produce. Hospitals need more people to do nursing, and equipment is imported. Quack doctors and fake medicines kill people, which is even more for years. The research of hospitals and medical institutions should make people return to normal more quickly and stay away from disease prevention, instead of "Welcome, come back next time". Hukou turns left-behind children into stray dogs and poisons the next generation. Migrant workers have no educational opportunities, white-collar workers, and they are too busy setting up a family to get an education.-> > You can always be a donkey and a laborer. On the one hand, the university seems to be a handyman (no matter students or professors) in the real money society, on the other hand, the days of students are more "days are really boring"-> > Falling in love, playing online games "no money, no power, no status, chatting and chatting about nv ren". Sweden's million housing plan, worker-employer consultation system and education system. The social welfare in Bismarck, Germany, and the national sex education in Japan and Ireland seem to promote social prosperity instead of the need for housing coercion to prevent national laziness, as an expert said. -The above information needs to be checked by the folk customs. For fake and inferior products, it is simply a waste of elements, which harms mankind and hinders the growth of new students. > > Reduce social wealth. Tofu residue building/Because of unreasonable planning, the city was demolished and built, and the unqualified materials made the bridge collapse. The previous efforts were in vain, and the material resources were buried in rivers and garbage dumps. Have to repeat the work again. More fake and inferior products-""a wider range of low-level struggles. Without education/higher education-domestic nationals can only be migrant workers, the first (nv) secretary, but at the same time there is a shortage of senior managers. Baidu and ZJS are all imported products, which is bad karma's fetter that the country can't provide the basic guarantee for citizens to be human beings, and it is a manifestation of social (technical) backwardness (there is no learning at home, the university is boring, and there are no patents a year), and it is low energy-> > A company that can't produce high yield and can produce fantastic growth like google, and a manager equivalent to Jack Welch (even high flyers didn't have the opportunity to practice, and eventually he entered the so-called research institutions in China of foreign companies and was kept-to prevent high talents from falling into the enemy). High housing prices-> > Man's oppression->; > Anxious, "Not-so-good people get rich"->; > Knowledge is useless, and everyone's low-level struggle->; > Instead of cooking more than one bowl of rice, some people eat it, but within the framework of this low service satisfaction (because they can't produce higher demand satisfaction), they cheat, find relationships, pick up junk, embezzle and misappropriate me under the hunger panic.