International Journal of Social Science and Economic Research TIME VALUE OF MONEY ISSN: Renu Bala ABSTRACT

Size: px
Start display at page:

Download "International Journal of Social Science and Economic Research TIME VALUE OF MONEY ISSN: Renu Bala ABSTRACT"

Transcription

1 TIME VALUE OF MONEY Renu Bala Asst. Prof. in Economics S.D College, Barnala, India ABSTRACT Interests in land bearing wage are esteemed on the premise of the capitalization of that salary. This is the central part of the valuation strategy ordinarily known as the venture technique. Current valuation hypothesis perceives the significance of the example of the salary stream. Once in a while, valuation hone takes after hypothesis. On different events, the two are at difference. Despite the fact that the Time Value of Money has not generally been perceived, its roots are followed far back ever. [1] This paper follows the historical backdrop of the Time Value of Money from its first application through to present practices. The suitability of current applications is inspected and changes to practice are recommended. Keywords: annuity, history, valuation practice INTRODUCTION The time value of money (TVM) is the way to go that cash accessible at the present time is worth more than the same sum later on because of its potential acquiring limit. This center guideline of fund holds that, if cash can win premium, any measure of cash is worth increasingly the sooner it is gotten. In case you're similar to a great many people, you would get the $10,000 now. All things considered, three years is quite a while to hold up. Why might any judicious individual concede installment into the future when he or she could have the same measure of cash now? For a large Copyright IJSSER 2016, All right reserved Page 632

2 portion of us, taking the cash in the present is out and out instinctual. So at the most essential level, the time estimation of cash shows that, things being what they are, it is ideal to have cash now instead of later. Yet, why would that be? A $100 bill has the same worth as a $100 charge one year from now, isn't that right? Really, in spite of the fact that the bill is the same, you can do considerably more with the cash on the off chance that you have it now on the grounds that after some time you can gain more enthusiasm on your cash. Back to our case: by getting $10,000 today, you are ready to expand the future estimation of your cash by contributing and picking up enthusiasm over a timeframe. For Option B, you don't have time on your side, and the installment got in three years would be your future worth. FUTURE VALUE BASICS In the event that you pick Option A and contribute the aggregate sum at a straightforward yearly rate of 4.5%, the future estimation of your venture toward the end of the primary year is $10,450, which obviously is figured by duplicating the central measure of $10,000 by the loan fee of 4.5% and afterward adding the interest picked up to the vital sum: Future estimation of venture at end of first year: = ($10,000 x 0.045) + $10,000 = $10,450 You can likewise figure the aggregate sum of a one-year venture with a basic control of the above condition: Unique condition: ($10,000 x 0.045) + $10,000 = $10,450 Control: $10,000 x [(1 x 0.045) + 1] = $10,450 Last condition: $10,000 x ( ) = $10,450 The controlled condition above is basically an expulsion of the like-variable $10,000 (the foremost sum) by partitioning the whole unique condition by $10, Copyright IJSSER 2016, All right reserved Page 633

3 In the event that the $10,450 left in your venture account toward the end of the principal year is left untouched and you contributed it at 4.5% for one more year, what amount would you have? To figure this, you would take the $10,450 and duplicate it again by ( ). Toward the end of two years, you would have $10,920: Future estimation of speculation at end of second year: = $10,450 x ( ) = $10, The above count, then, is equal to the accompanying condition: Future Value = $10,000 x ( ) x ( ) Recall math class and the standard of examples, which expresses that the duplication of like terms is comparable to including their types. In the above condition, the two as are terms ( ), and the type on each is equivalent to 1. Therefore, the equation can be represented as the following: We can see that the example is equivalent to the quantity of years for which the cash is gaining enthusiasm for a speculation. So, the equation for calculating the three-year future value of the investment would look like this: Copyright IJSSER 2016, All right reserved Page 634

4 This estimation demonstrates to us that we don't have to compute the future quality after the principal year, then the second year, then the third year, et cetera [2].If you know how many years you would like to hold a present amount of money in an investment, the future value of that amount is calculated by the following equation: CONCLUSION Time Value of Money (TVM) is an essential idea in monetary administration. It can be utilized to contrast speculation options and with tackle issues including credits, contracts, leases, reserve funds, and annuities. TVM depends on the idea that a dollar that you have today is worth more than the guarantee or desire that you will get a dollar later on. Cash that you hold today is worth more since you can contribute it and acquire premium. All things considered, you ought to get some pay for prior spending. Case in point, you can contribute your dollar for one year at a 6% yearly loan cost and aggregate $1.06 toward the end of the year. You can say that the future estimation of the dollar is $1.06 given a 6% loan fee and a one-year time frame. It takes after that the present estimation of the $1.06 you hope to get in one year is just $1. A key idea of TVM is that a solitary aggregate of cash or a progression of equivalent, uniformly separated installments or receipts guaranteed later on can be changed over to a proportional esteem today. On the other hand, you can decide the quality to which a solitary whole or a progression of future installments will develop to at some future date. You can compute the fifth quality on the off chance that you are given any four of: Interest Rate, Number of Periods, Payments, Present Value, and Future Value.Land valuers depend upon standard valuation tables without giving a lot of thought to their development. Valuers of past eras have additionally depended upon tables based upon the overall suppositions of their age. These suspicions have regularly been in struggle with market reality. Initially, just exceptionally restricted respect was paid to the time estimation of cash. Copyright IJSSER 2016, All right reserved Page 635

5 Annuity tables have in the primary been computed on a yearly premise. At to begin with, these were continuously figured needing to take care of overdue business. Now and again the rebate rate was based upon exacerbated interest, yet early practice frequently supported straightforward interest. In addition, early authors disregarded the time estimation of cash. By the mid nineteenth century, a few authors had gotten to be more mindful of the time estimation of cash. In any case, despite everything this didn't turn out to be completely reflected in expert practice. In the long run, amid the twentieth century the recurrence of rental wage became reflected in the tables. For the most part, these still regarded salary as receivable needing to take care of overdue business, while most lease was receivable ahead of time. In any case, the more noteworthy utilization of the True Proportional Yield helps to make up for this [3]. Toward the start of the twenty-first century, United Kingdom valuers have entry to True Equivalent Yield tables based upon the presumption of rental pay being receivable quarterly ahead of time. Expanding quantities of Joined Kingdom business occupants have as of late been looking for month to month ahead of time installment designs. Different nations as of now have a custom of such regularly scheduled installments. Genuine home valuers ought to be prepared enough with a specific end goal to have the capacity to apply proficient practice to market reality. The tables and their application keep on evolving with a specific end goal to prepare valuers to offer best proficient practice and to reflect evolving circumstances. This paper will look for to outline how proficient practice has needed to adjust to keep pace with hypothesis and how it might change later on [4]. REFERENCES [1]. " n.d. May [2]. " n.d. May [3]. " n.d. May [4]. TIPPING, Malvern. " n.d. tipping_0373.pdf. May Copyright IJSSER 2016, All right reserved Page 636

Portfolio Management

Portfolio Management Portfolio Management Meenal Maheshwari 1 B.B.A.LL.B Indore Institute of Law ABSTRACT Putting resources into securities i.e: shares, debentures, bonds are gainful and additionally dangerous. For this it

More information

A STUDY ON NON- PERFORMING ASSETS IN INDIAN BANKING SECTOR

A STUDY ON NON- PERFORMING ASSETS IN INDIAN BANKING SECTOR Volume 118 No. 20 2018, 4537-4541 ISSN: 1314-3395 (on-line version) url: http://www.ijpam.eu A STUDY ON NON- PERFORMING ASSETS IN INDIAN BANKING SECTOR ijpam.eu Suvitha K Vikram MBA II: Department of Management

More information

Before How can lines on a graph show the effect of interest rates on savings accounts?

Before How can lines on a graph show the effect of interest rates on savings accounts? Compound Interest LAUNCH (7 MIN) Before How can lines on a graph show the effect of interest rates on savings accounts? During How can you tell what the graph of simple interest looks like? After What

More information

You have many choices when it comes to money and investing. Only one was created with you in mind. A Structured Settlement can provide hope and a

You have many choices when it comes to money and investing. Only one was created with you in mind. A Structured Settlement can provide hope and a You have many choices when it comes to money and investing. Only one was created with you in mind. A Structured Settlement can provide hope and a secure future. Tax-Free. Guaranteed Benefits. Custom-Designed.

More information

What s Working and Not Working for 401(k) Small Plan Participants

What s Working and Not Working for 401(k) Small Plan Participants What s Working and Not Working for 401(k) Small Plan Participants The Guardian Small Plan 401(k) RetireWell StudySM 2.0 GUARDIAN RETIREMENT SOLUTIONS FOR PLAN SPONSORS Who Did We Survey? Methodology Guardian

More information

LIVING TO 100 SYMPOSIUM*

LIVING TO 100 SYMPOSIUM* LIVING TO 100 SYMPOSIUM* Orlando, Florida January 12 14, 2005 IMPACT OF AGING POPULATIONS Presenters: J. Bruce MacDonald, Discussant Lijia Guo Douglas Andrews Krzysztof Ostaszewski MR. EDWIN HUSTEAD: I

More information

How to Safely Manage Home Equity to Achieve Financial Freedom & Build Wealth. fast facts

How to Safely Manage Home Equity to Achieve Financial Freedom & Build Wealth. fast facts How to Safely Manage Home Equity to Achieve Financial Freedom & Build Wealth If what you always thought to be true turned out not to be true, when would you want to know? Most of what we believe about

More information

Maggie Kokemuller 880 Carillon Parkway Saint Petersburg, FL Transitioning into Retirement

Maggie Kokemuller 880 Carillon Parkway Saint Petersburg, FL Transitioning into Retirement Maggie Kokemuller 880 Carillon Parkway Saint Petersburg, FL 33716 727-567-1000 Maggie.Kokemuller@RaymondJames.com Transitioning into Retirement Page 2 Transitioning into Retirement The retirement "zone"

More information

Get great value now and in the years ahead. The Fidelity guide to pricing

Get great value now and in the years ahead. The Fidelity guide to pricing Get great value now and in the years ahead The Fidelity guide to pricing Value and support throughout your investment journey Whenever you re thinking about buying something, from a phone or a car to a

More information

Transitioning into Retirement

Transitioning into Retirement Select Portfolio Management, Inc. www.selectportfolio.com Toll Free: 800.445.9822 Telephone: 949.975.7900 Fax: 949.900.8181 Securities offered through Securities Equity Group Member FINRA, SIPC, MSRB Transitioning

More information

PSYCHOLOGY OF FOREX TRADING EBOOK 05. GFtrade Inc

PSYCHOLOGY OF FOREX TRADING EBOOK 05. GFtrade Inc PSYCHOLOGY OF FOREX TRADING EBOOK 05 02 Psychology of Forex Trading Psychology is the study of all aspects of behavior and mental processes. It s basically how our brain works, how our memory is organized

More information

Accounting and Finance for Business Analysis

Accounting and Finance for Business Analysis Accounting and Finance for Business Analysis Accounting and Finance for Business Analysis Copyright 2014 by DELTACPE LLC All rights reserved. No part of this course may be reproduced in any form or by

More information

GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want. Prepared for Grant Thornton partners

GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want. Prepared for Grant Thornton partners THE GRANT THORNTON UK LLP GROUP PERSONAL PENSION PLAN GROUP PERSONAL PENSION A guide to help you prepare for the retirement you want Prepared for Grant Thornton partners Your Grant Thornton company pension

More information

FREE ACCIO DEBT FREEDOM

FREE ACCIO DEBT FREEDOM FREE ACCIO DEBT FREEDOM WORKBOOK A Little About Liz: I'll have the wine! Hey there! That's me, Liz. And I created this workbook to help you get started tackling your debt. I know first hand what it's like

More information

TAKE CHARGE OF YOUR RETIREMENT.

TAKE CHARGE OF YOUR RETIREMENT. TAKE CHARGE OF YOUR RETIREMENT. Make it personal. And keep it on target. That s what Target Retirement s are designed to do make it easier to invest properly during your working years and help you achieve

More information

The accounting and tax legislation of the Greek

The accounting and tax legislation of the Greek X OPH IA Sport Management CHOREGIA Scientific Forum in International Journal Sport Management SMIJ VOL. 2, Number 1 2, 2006 Panagiotis E. Dimitropoulos, Lecturer (407/80) Department of Sport Management,

More information

Overseas pensions and annuity schemes

Overseas pensions and annuity schemes IR257 May 2016 Overseas pensions and annuity schemes This guide contains information on the taxation of foreign superannuation lump sums and overseas pensions. For information about overseas social security

More information

Time value of money-concepts and Calculations Prof. Bikash Mohanty Department of Chemical Engineering Indian Institute of Technology, Roorkee

Time value of money-concepts and Calculations Prof. Bikash Mohanty Department of Chemical Engineering Indian Institute of Technology, Roorkee Time value of money-concepts and Calculations Prof. Bikash Mohanty Department of Chemical Engineering Indian Institute of Technology, Roorkee Lecture - 01 Introduction Welcome to the course Time value

More information

LifeMark Securities Linda Black, ChFC, CRPC PO Box 4375 Leesburg, VA Retirement Analysis

LifeMark Securities Linda Black, ChFC, CRPC PO Box 4375 Leesburg, VA Retirement Analysis LifeMark Securities Linda Black, ChFC, CRPC PO Box 4375 Leesburg, VA 20177 703-777-4077 lblack@lifemark.com www.lindajblack.com Retirement Analysis LifeMark Securities Page 2 of 9 Table of Contents Social

More information

A Study on the Factors Influencing IPO Overpricing and Underpricing in the Global Stock Market.

A Study on the Factors Influencing IPO Overpricing and Underpricing in the Global Stock Market. Volume 118 No. 20 2018, 4419-4424 ISSN: 1314-3395 (on-line version) url: http://www.ijpam.eu A Study on the Factors Influencing IPO Overpricing and Underpricing in the Global Stock Market. ijpam.eu Vidya

More information

THE ARMED FORCES STAKEHOLDER PENSION SCHEME A GUIDE TO HELP YOU PREPARE FOR THE RETIREMENT YOU WANT

THE ARMED FORCES STAKEHOLDER PENSION SCHEME A GUIDE TO HELP YOU PREPARE FOR THE RETIREMENT YOU WANT THE ARMED FORCES STAKEHOLDER PENSION SCHEME A GUIDE TO HELP YOU PREPARE FOR THE RETIREMENT YOU WANT The Official Armed Forces pension scheme is provided by Scottish Widows. SUPPORTING LITERATURE AND TOOLS

More information

ValueWalk Interview With Chris Abraham Of CVA Investment Management

ValueWalk Interview With Chris Abraham Of CVA Investment Management ValueWalk Interview With Chris Abraham Of CVA Investment Management ValueWalk Interview With Chris Abraham Of CVA Investment Management Rupert Hargreaves: You run a unique, value-based options strategy

More information

THIS HANDY LITTLE GUIDE EXPLORES THE BASICS OF CREDIT SCORING AND CREDIT REPORTING IN AUSTRALIA. TABLE OF CONTENTS

THIS HANDY LITTLE GUIDE EXPLORES THE BASICS OF CREDIT SCORING AND CREDIT REPORTING IN AUSTRALIA. TABLE OF CONTENTS CREDIT MADE SIMPLE THIS HANDY LITTLE GUIDE This handy little guide explores the basics of credit scoring and credit reporting in Australia. EXPLORES THE BASICS OF CREDIT SCORING AND CREDIT REPORTING IN

More information

Transcript - The Money Drill: The Long and Short of Saving and Investng

Transcript - The Money Drill: The Long and Short of Saving and Investng Transcript - The Money Drill: The Long and Short of Saving and Investng J.J.: Hi. This is "The Money Drill," and I'm J.J. Montanaro. With the help of some great guest, I'll help you find your way through

More information

RISK DISCLOSURE STATEMENT / DISCLAIMER AGREEMENT

RISK DISCLOSURE STATEMENT / DISCLAIMER AGREEMENT RISK DISCLOSURE STATEMENT / DISCLAIMER AGREEMENT Trading any financial market involves risk. This report and all and any of its contents are neither a solicitation nor an offer to Buy/Sell any financial

More information

Private (Non-Government) Royalties: Mining Royalties from a Royalty Owner s Perspective

Private (Non-Government) Royalties: Mining Royalties from a Royalty Owner s Perspective return to AMPLA 2004 Table of Contents Private (Non-Government) Royalties: Mining Royalties from a Royalty Owner s Perspective Paul Kiley* SUMMARY Financial non-working interests are a familiar feature

More information

Key Features of the Group Personal Pension 2000 Plan. This is an important document which you should keep in a safe place.

Key Features of the Group Personal Pension 2000 Plan. This is an important document which you should keep in a safe place. Key Features of the Group Personal Pension 2000 Plan This is an important document which you should keep in a safe place. Welcome to your Key Features Document. It explains all the important information

More information

STATE STREET UK GROUP PERSONAL PENSION SCHEME A guide to help you prepare for the retirement you want

STATE STREET UK GROUP PERSONAL PENSION SCHEME A guide to help you prepare for the retirement you want STATE STREET UK GROUP PERSONAL PENSION SCHEME A guide to help you prepare for the retirement you want SUPPORTING LITERATURE AND TOOLS TO HELP YOU MAKE DECISIONS ABOUT YOUR COMPANY PENSION LITERATURE Key

More information

Auto Enrolment - what employers need to know

Auto Enrolment - what employers need to know Auto Enrolment - what employers need to know Welcome to Robson Financial Pension Auto Enrolment is hot on the agenda and you could well be one of the thousands of employers that have received a letter

More information

Lender Pre-Approval Letters the Good, the Bad & the Ugly!

Lender Pre-Approval Letters the Good, the Bad & the Ugly! Lender Pre-Approval Letters the Good, the Bad & the Ugly! Menlo Atherton Realty 39 Lender Pre-Approval Letters the Good, the Bad & the Ugly! As you may already know, we are still in an era where mortgage

More information

Financial Markets Conduct Act transitional tips for financial reporting

Financial Markets Conduct Act transitional tips for financial reporting Financial Markets Conduct Act transitional tips for financial reporting Jeromy Meerman, Senior Adviser, Issuer Disclosure Surveillance Financial Markets Authority - New Zealand We re in transition. The

More information

ECO155L19.doc 1 OKAY SO WHAT WE WANT TO DO IS WE WANT TO DISTINGUISH BETWEEN NOMINAL AND REAL GROSS DOMESTIC PRODUCT. WE SORT OF

ECO155L19.doc 1 OKAY SO WHAT WE WANT TO DO IS WE WANT TO DISTINGUISH BETWEEN NOMINAL AND REAL GROSS DOMESTIC PRODUCT. WE SORT OF ECO155L19.doc 1 OKAY SO WHAT WE WANT TO DO IS WE WANT TO DISTINGUISH BETWEEN NOMINAL AND REAL GROSS DOMESTIC PRODUCT. WE SORT OF GOT A LITTLE BIT OF A MATHEMATICAL CALCULATION TO GO THROUGH HERE. THESE

More information

Seeking ALPHA - (C) 2007 Kingdom Venture Partners by Sherman Muller, MBA

Seeking ALPHA - (C) 2007 Kingdom Venture Partners by Sherman Muller, MBA Seeking ALPHA - Superior Risk Adjusted Return (C) 2007 Kingdom Venture Partners by Sherman Muller, MBA Overview In the world of institutional investment management, investors seek to achieve an optimal

More information

An Introduction to... Sharelord

An Introduction to... Sharelord An Introduction to... Sharelord The Most Powerful Cashflow Strategy On The Planet. Regarding the stock market, the main premise of Nik Halik s Sharelord education is massive cash flow generation. Sharelord

More information

Tailor made investment approach

Tailor made investment approach WHAT DOES INVESTING MEAN? 03 GUIDE TO INVESTING - Tailor made investment approach 02 GUIDE TO INVESTING Contents WHAT DOES INVESTING MEAN? 3 UNDERSTANDING YOUR NEEDS AND REQUIREMENTS 5 UNDERSTANDING RISK

More information

THE AURUM COMPANY PENSION GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want

THE AURUM COMPANY PENSION GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want THE AURUM COMPANY PENSION GROUP PERSONAL PENSION A guide to help you prepare for the retirement you want Your AURUM company pension is provided by Scottish Widows. SUPPORTING LITERATURE AND TOOLS TO HELP

More information

Infinite Banking How it Works By Gary Vande Linde

Infinite Banking How it Works By Gary Vande Linde Why I am Interested in the Concept Infinite Banking How it Works By Gary Vande Linde Three years ago I left a large company, where I had served as the division engineer for the past twelve years, to become

More information

MANAGING YOUR BUSINESS S CASH FLOW. Managing Your Business s Cash Flow. David Oetken, MBA CPM

MANAGING YOUR BUSINESS S CASH FLOW. Managing Your Business s Cash Flow. David Oetken, MBA CPM MANAGING YOUR BUSINESS S CASH FLOW Managing Your Business s Cash Flow David Oetken, MBA CPM 1 2 Being a successful entrepreneur takes a unique mix of skills and practices. You need to generate exciting

More information

Slide 1. Introduction

Slide 1. Introduction World Bank Seminar script. Slide 1 Introduction Peter Dinsdale is an World Bank retiree with experience of retiring and returning to the UK having sold up in the US and jumped through all of the necessary

More information

Key Features of the Group Stakeholder Pension Scheme. This is an important document which you should keep in a safe place.

Key Features of the Group Stakeholder Pension Scheme. This is an important document which you should keep in a safe place. Key Features of the Group Stakeholder Pension Scheme This is an important document which you should keep in a safe place. Welcome to your Key Features Document. It explains all the important information

More information

SHIV SHAKTI International Journal in Multidisciplinary and Academic Research (SSIJMAR) Vol. 5, No. 3, June 2016 (ISSN )

SHIV SHAKTI International Journal in Multidisciplinary and Academic Research (SSIJMAR) Vol. 5, No. 3, June 2016 (ISSN ) SHIV SHAKTI International Journal in Multidisciplinary and Academic Research (SSIJMAR) Vol. 5, No. 3, June 2016 (ISSN 2278 5973) The Mathematics of Finance Ms. Anita Research Scholar, Himalayan University

More information

Find Out How Much You May Really Need

Find Out How Much You May Really Need Find Out How Much You May Really Need to Retire with Confidence 1300023 What s Your Number? At J.D. Mellberg Financial, one of our flagship strategies is using a fixed index annuity with select rider

More information

Our investment proposition for auto-enrolment pension schemes

Our investment proposition for auto-enrolment pension schemes For financial adviser use only. Not approved for use with customers. Our investment proposition for auto-enrolment pension schemes A guide for financial advisers Ready-made and bespoke approaches available

More information

SCOTTISH WIDOWS PREMIER PENSION PORTFOLIO FUNDS

SCOTTISH WIDOWS PREMIER PENSION PORTFOLIO FUNDS SCOTTISH WIDOWS PREMIER PENSION PORTFOLIO FUNDS SCOTTISH WIDOWS PREMIER PENSION PORTFOLIO FUNDS BUILD ON OUR WELL-ESTABLISHED PENSION PORTFOLIO FUNDS. THEY AIM FOR BETTER POTENTIAL RETURNS FOR BROADLY

More information

Planning for your retirement. Generating an income in retirement

Planning for your retirement. Generating an income in retirement Planning for your retirement Generating an income in retirement IN THIS GUIDE PLANNING YOUR RETIREMENT INCOME 3 CASH 5 BONDS 6 SHARES (EQUITIES) 9 PROPERTY 11 MULTI-ASSET INCOME INVESTMENTS 12 DRAWING

More information

Can collective pension schemes work in the United Kingdom? Received (in revised form): 14 th August 2012

Can collective pension schemes work in the United Kingdom? Received (in revised form): 14 th August 2012 Original Article Can collective pension schemes work in the United Kingdom? Received (in revised form): 14 th August 2012 Sarah Smart is Chair of The Pensions Trust and a Board Member of the London Pensions

More information

Step by step guide to auto enrolment

Step by step guide to auto enrolment Step by step guide to auto enrolment The legislation surrounding auto enrolment can be quite tricky. When faced with an overwhelming set of tasks, rules, regulations and jargon it is difficult to fully

More information

Investor questionnaire

Investor questionnaire Investor questionnaire COMPARE LEARN SAVE INVEST REVIEW What type of investor are you? As a member of a Marsh & McLennan Companies (UK) defined contribution (DC) pension arrangement, one of the most important

More information

Hearing Preparation. Rigoberto Vindiola, Esq.

Hearing Preparation. Rigoberto Vindiola, Esq. Hearing Preparation Rigoberto Vindiola, Esq. FF Hearing Preparation Section FF Crash Course: Hearing Preparation Rigoberto Vindiola, Esq. This beginner-friendly method will show you how to navigate the

More information

Have you thought about Retiring? Planning an Early Retirement

Have you thought about Retiring? Planning an Early Retirement Have you thought about Retiring? Planning an Early Retirement nd As your 62 birthday approaches, the dream of early retirement may be a possibility. From that day on, you may qualify for Social Security

More information

40 Best Things Ed Seykota Ever Said

40 Best Things Ed Seykota Ever Said 1 of 7 2015/02/26 04:23 PM You are here: Home / Trading quotes / 40 Best Things Ed Seykota Ever Said 40 Best Things Ed Seykota Ever Said February 17, 2015 by Steve Share 1 Share 35 Tweet 7 Share 0 Mr.

More information

MICHAEL OPOK (MANAGEMENT CONSULTANT)

MICHAEL OPOK (MANAGEMENT CONSULTANT) INVESTING WISELY & INVESTING SMART KIMISITU SACCO - NAIROBI MEMBERS EDUCATION DAY 26 TH SEPTEMBER, 2009 BY MICHAEL OPOK (MANAGEMENT CONSULTANT) OBJECTIVES OF THE PRESENTATION To introduce participants

More information

Negative Interest Rates: An Admission of Capitalist Contradiction and Desperation. Jason Unruhe (Maoist Rebel News)

Negative Interest Rates: An Admission of Capitalist Contradiction and Desperation. Jason Unruhe (Maoist Rebel News) Negative Interest Rates: An Admission of Capitalist Contradiction and Desperation Jason Unruhe (Maoist Rebel News) February 2013 Negative Interest Rates: An Admission of Capitalist Contradiction and Desperation

More information

GUIDE TO RETIREMENT PLANNING MAKING THE MOST OF THE NEW PENSION RULES TO ENJOY FREEDOM AND CHOICE IN YOUR RETIREMENT

GUIDE TO RETIREMENT PLANNING MAKING THE MOST OF THE NEW PENSION RULES TO ENJOY FREEDOM AND CHOICE IN YOUR RETIREMENT GUIDE TO RETIREMENT PLANNING MAKING THE MOST OF THE NEW PENSION RULES TO ENJOY FREEDOM AND CHOICE IN YOUR RETIREMENT FINANCIAL GUIDE Green Financial Advice is authorised and regulated by the Financial

More information

A Study on Capital Budgeting Techniques in Ultra Tech Cement Pvt Ltd

A Study on Capital Budgeting Techniques in Ultra Tech Cement Pvt Ltd A Study on Capital Budgeting Techniques in Ultra Tech Cement Pvt Ltd Mr. Manoj Choudhary MBA Dept, Malla Reddy engineering college Maisammaguda, Secunderabad Ms. Sandhya (Assistant Professor), MBA DeptMalla

More information

Business Banking Apps

Business Banking Apps Business Banking Apps How Can We Use Voice Enable Business Banking Apps? It is very steady and smooth to begin one's own particular business set up in Dubai by taking the administrations of best banks

More information

In-Service Withdrawals

In-Service Withdrawals In-Service Withdrawals I Annuities Sales Tool Series In-Service Withdrawals Guaranteeing Lifetime Income via In-Service Withdrawals from Qualified Plans 140164 10/21/13 For Producer/Agent Information Only.

More information

Getting started with Medicare.

Getting started with Medicare. Getting started with Medicare. Medicare Made Clear TM Get Answers: Medicare Education Look inside to: Understand the difference between Medicare plans Compare plans and choose the right one for you See

More information

Getting the retirement income you need RETIREMENT PLANNING

Getting the retirement income you need RETIREMENT PLANNING Getting the retirement income you need RETIREMENT PLANNING 01 It can be a big decision. But you don t have to make it on your own Whether your retirement is still a little way off or coming up quickly,

More information

HEALTH INSURANCE IN PRIVATE AND GOVERNMENT SECTORS: A COMPARATIVE STUDY

HEALTH INSURANCE IN PRIVATE AND GOVERNMENT SECTORS: A COMPARATIVE STUDY Inspira-Journal of Commerce, Economics & Computer Science (JCECS) 95 ISSN : 2395-7069 (Print), General Impact Factor : 2.0546, Volume 03, No. 03, July-Sept., 2017, pp. 95-102 HEALTH INSURANCE IN PRIVATE

More information

A Simple Model. Flow Through Questions

A Simple Model. Flow Through Questions How Does an Increase in the Allowance for Doubtful Accounts Flow Through the Financial Statements? Depreciation and the Purchase of Equipment. The impact of deferred revenue on a company's financial statements.

More information

Annuity Owner Mistakes Tips and Ideas That Could Save You Thousands

Annuity Owner Mistakes Tips and Ideas That Could Save You Thousands Annuity Owner Mistakes Tips and Ideas That Could Save You Thousands Provided to you by: Daniel R Chen 732-982-2170 FPA Annuity Owner Mistakes Written by Financial Educators Provided to you by Daniel R

More information

Unanswered Questions

Unanswered Questions Unanswered Questions ECON 30020: Intermediate Macroeconomics Prof. Eric Sims University of Notre Dame Fall 2016 1 / 15 This Course It is my hope that this course has accomplished the following things:

More information

Assessing Financial Literacy Level among Teaching Faculty- A Study with Reference to Dakshina Kannada District

Assessing Financial Literacy Level among Teaching Faculty- A Study with Reference to Dakshina Kannada District DOI : 10.18843/ijms/v5i2(5)/07 DOI URL :http://dx.doi.org/10.18843/ijms/v5i2(5)/07 Assessing Financial Literacy Level among Teaching Faculty- A Study with Reference to Dakshina Kannada District Dr. Yathish

More information

Considerations for a Hospital-Based ACO. Insurance Premium Construction: Tim Smith, ASA, MAAA, MS

Considerations for a Hospital-Based ACO. Insurance Premium Construction: Tim Smith, ASA, MAAA, MS Insurance Premium Construction: Considerations for a Hospital-Based ACO Tim Smith, ASA, MAAA, MS I once saw a billboard advertising a new insurance product co-branded by the local hospital system and a

More information

ANNUITY BUYERS GUIDE. Does Your Retirement Have The Happy Factor?

ANNUITY BUYERS GUIDE. Does Your Retirement Have The Happy Factor? ANNUITY Does Your Retirement Have The Happy Factor? PLUS ANSWSER TO: ROLLING OVER YOUR 401(K) OR IRA S, LEGACY PLANNING TRICKS, AND MUCH, MUCH MORE! xvfsf 2016 ANNUITY Our Mission: Our mission is to provide

More information

Penny Stock Guide. Copyright 2017 StocksUnder1.org, All Rights Reserved.

Penny Stock Guide.  Copyright 2017 StocksUnder1.org, All Rights Reserved. Penny Stock Guide Disclaimer The information provided is not to be considered as a recommendation to buy certain stocks and is provided solely as an information resource to help traders make their own

More information

A STUDY ON BEHAVIOR OF MUTUAL FUND INVESTORS IN INDIA

A STUDY ON BEHAVIOR OF MUTUAL FUND INVESTORS IN INDIA www.arseam.com Impact Factor: 0.98 A STUDY ON BEHAVIOR OF MUTUAL FUND INVESTORS IN INDIA *Godala. Satya Narayana Reddy *Associate Professor, ST.MARY S ENGINEERING COLLEGE ABSTRACT Today a lot of investment

More information

Starting or Buying a Business

Starting or Buying a Business ENGAGE FINANCIAL GROUP 11622 North Michigan Road Suite 100 Zionsville, IN 46077 317-794-3800 ReachUs@EngageFinGroup.com www.engagefingroup.com Starting or Buying a Business Page 1 of 5, see disclaimer

More information

HOME ABOUT US OUR MISSION TAKE ACTION SERVICES START HERE. Solutions for Students

HOME ABOUT US OUR MISSION TAKE ACTION SERVICES START HERE. Solutions for Students My College Loan Support For Students We help graduates consolidate their debts into one monthly payment. Whether you're in good standing or in default, let us help simplify your life. 1. For Students 2.

More information

Achieve more with less

Achieve more with less Achieve more with less Flexible leasing solutions to make your learning vision a reality today Achieve more with less RM Education has been focused on the UK education market for nearly 40 years, providing

More information

Anyone studying the stock market intends to remove themselves from the ranks of the public that

Anyone studying the stock market intends to remove themselves from the ranks of the public that Serving a trading apprenticeship The Wyckoff method of trading stocks part 13 by Jack K. Hutson Anyone studying the stock market intends to remove themselves from the ranks of the public that dabbles with

More information

Annuity Owner Mistakes Tips and Ideas That Could Save You Thousands

Annuity Owner Mistakes Tips and Ideas That Could Save You Thousands Annuity Owner Mistakes Tips and Ideas That Could Save You Thousands Provided to you by: Jerome J. Lober Certified Estate Advisor Annuity Owner Mistakes Written by Financial Educators Provided to you by

More information

Insights CLIENT. Out Of Sequence. Sequence risk is getting the right returns at the wrong time. Getting The Right Returns At The Wrong Time

Insights CLIENT. Out Of Sequence. Sequence risk is getting the right returns at the wrong time. Getting The Right Returns At The Wrong Time CLIENT Insights Summer 2018 Out Of Sequence Getting The Right Returns At The Wrong Time MAIN POINTS: Sequence risk is getting the right returns at the wrong time. It is the risk that a portfolio used for

More information

Guide to contractor mortgages

Guide to contractor mortgages guides i Guide to contractor mortgages Obtaining a mortgage as a contractor or freelancer used to be a hassle. Learn about how this has changed and your options in this guide. people advice technology

More information

The answer s yes your indispensable guide to securing a mortgage

The answer s yes your indispensable guide to securing a mortgage The answer s yes your indispensable guide to securing a mortgage Hello from HOOCHT These days, life moves faster than ever. To keep pace with it, we re used to doing everything at lightning speed, with

More information

BEYOND ONE DAY AT A TIME PLANNING FOR YOUR FUTURE AND THE LIFETIME OF A PERSON WITH SPECIAL NEEDS

BEYOND ONE DAY AT A TIME PLANNING FOR YOUR FUTURE AND THE LIFETIME OF A PERSON WITH SPECIAL NEEDS BEYOND ONE DAY AT A TIME PLANNING FOR YOUR FUTURE AND THE LIFETIME OF A PERSON WITH SPECIAL NEEDS To accomplish great things, we must dream as well as act. Anatole France, French Novelist AN EXTRAORDINARY

More information

What The Rich And Powerful Secretly Wish You NEVER Knew About Success, Money, Power & Sex!

What The Rich And Powerful Secretly Wish You NEVER Knew About Success, Money, Power & Sex! What The Rich And Powerful Secretly Wish You NEVER Knew About Success, Money, Power & Sex! (Lite Version Money & Power Edition) Feel free to share this with your friends! - 1 - Terms and Conditions LEGAL

More information

March Annuities and the Investor Perspective

March Annuities and the Investor Perspective March 2016 1 Annuities and the Investor Perspective 2 we are a language strategy firm focused on one idea: it s not what you say, it s what they hear you can have everything else right the right actions,

More information

Portal Financial Management

Portal Financial Management Portal Financial Management The Adviser Autumn 2016 Pension Options Are you covered? The basic State pension is only designed to provide a minimum amount of income at retirement. Your Choices at Retirement

More information

CASH CONTROL WITHOUT A CASH REGISTER. by Urban Strand. international labour office, geneva. a learning element for staff of consumer cooperatives

CASH CONTROL WITHOUT A CASH REGISTER. by Urban Strand. international labour office, geneva. a learning element for staff of consumer cooperatives CASH CONTROL WITHOUT A CASH REGISTER a learning element for staff of consumer cooperatives international labour office, geneva MATCOM 1978-2001 by Urban Strand MATCOM Material and techniques for cooperatives

More information

PROPERTY INVESTING. Practical advice from a professional property investment consultancy on what to consider when investing in property

PROPERTY INVESTING. Practical advice from a professional property investment consultancy on what to consider when investing in property T H E I N S I D E R'S G U I D E T O PROPERTY INVESTING Practical advice from a professional property investment consultancy on what to consider when investing in property CONTENTS INTRODUCTION THE THREE

More information

Five key questions to ask yourself, roughly five years before retirement.

Five key questions to ask yourself, roughly five years before retirement. Retirement Countdown Posted: 1/28/2014 by Fidelity Viewpoints Five key questions to ask yourself, roughly five years before retirement. Chances are you've thought about retirement quite a bit over the

More information

Forex Lines Tutorial of Forex Lines 2014 indicators.

Forex Lines Tutorial of Forex Lines 2014 indicators. Forex Lines 2014 Tutorial of Forex Lines 2014 indicators www.forex4live.com Forex Lines 2014 Tutorial We expected that many traders would be using extremely complicated systems, algorithms and indicators.

More information

The Cornell Retirement and Well-Being Study. Final Report 2000

The Cornell Retirement and Well-Being Study. Final Report 2000 The Cornell Retirement and Well-Being Study Final Report 2000 Phyllis Moen, Ph.D., Principal Investigator with William A. Erickson, M.S., Madhurima Agarwal, M.R.P., Vivian Fields, M.A., and Laurie Todd

More information

Meeting Retirement Goals with Dimensional s Target-Date Retirement Income Funds

Meeting Retirement Goals with Dimensional s Target-Date Retirement Income Funds Meeting Retirement Goals with Dimensional s Target-Date Retirement Income Funds June 28, 2016 by Wade Pfau One of the defining distinctions for retirement income planning, as opposed to traditional wealth

More information

GROUP STAKEHOLDER PENSION. A guide to help you prepare for the retirement you want

GROUP STAKEHOLDER PENSION. A guide to help you prepare for the retirement you want YOUR COMPANY PENSION GROUP STAKEHOLDER PENSION A guide to help you prepare for the retirement you want Your Sanctuary Group company pension is provided by Scottish Widows. SUPPORTING LITERATURE AND TOOLS

More information

Lesson Exponential Models & Logarithms

Lesson Exponential Models & Logarithms SACWAY STUDENT HANDOUT SACWAY BRAINSTORMING ALGEBRA & STATISTICS STUDENT NAME DATE INTRODUCTION Compound Interest When you invest money in a fixed- rate interest earning account, you receive interest at

More information

Avoid Mistakes in Buying Long-Term Care Insurance

Avoid Mistakes in Buying Long-Term Care Insurance Avoid Mistakes in Buying Long-Term Care Insurance Provided to you by: Alan R. Benoy Avoid Mistakes in Buying Long-Term Care Insurance Written by Financial Educators Provided to you by Alan R. Benoy CA

More information

ECON Microeconomics II IRYNA DUDNYK. Auctions.

ECON Microeconomics II IRYNA DUDNYK. Auctions. Auctions. What is an auction? When and whhy do we need auctions? Auction is a mechanism of allocating a particular object at a certain price. Allocating part concerns who will get the object and the price

More information

Unit 13: Investing and Retirement

Unit 13: Investing and Retirement Investing and Retirement There is no more reading from the textbook or quizzes. The rest of the textbook is covered in the Advanced Family Finance class. However, there are a few things that I like to

More information

The Levers to Financial Freedom

The Levers to Financial Freedom The Levers to Financial Freedom September 1, 2009 by Russ Thornton Advisor Perspectives welcomes guest contributions. The views presented here do not necessarily represent those of Advisor Perspectives.

More information

Why casino executives fight mathematical gambling systems. Casino Gambling Software: Baccarat, Blackjack, Roulette, Craps, Systems, Basic Strategy

Why casino executives fight mathematical gambling systems. Casino Gambling Software: Baccarat, Blackjack, Roulette, Craps, Systems, Basic Strategy Why casino executives fight mathematical gambling systems Casino Gambling Software: Baccarat, Blackjack, Roulette, Craps, Systems, Basic Strategy Software for Lottery, Lotto, Pick 3 4 Lotteries, Powerball,

More information

NEW W.S.B. RULES PRENTICE-HALL, INC. HOW TO SET UP A PENSION PLAN. under the. p.gm;m OF AU t 6 * .m.u~.al RELATIONS

NEW W.S.B. RULES PRENTICE-HALL, INC. HOW TO SET UP A PENSION PLAN. under the. p.gm;m OF AU t 6 * .m.u~.al RELATIONS HOW TO SET UP A PENSION PLAN under the NEW W.S.B. RULES p.gm;m OF AU t 6 *.m.u~.al RELATIONS PRENTICE-HALL, INC. 70 Fifth Avenue, New York 11, N. Y. r. PENSION and PROFIT-SHARING FUNDAMENTALS FOREWORD

More information

AMP Capital takes an agile approach

AMP Capital takes an agile approach AMP Capital takes an agile approach Your clients want an investment vehicle that takes opportunities at speed. AMP Capital meets this demand. Our scale lets us process massive amounts of information to

More information

TO FIT YOUR BUSINESS

TO FIT YOUR BUSINESS For employers Retirement Solutions TAILORED SOLUTIONS TO FIT YOUR BUSINESS A guide for employers WORK SMARTER NOT HARDER These days, offering your workers a good pension is vital. Of course, as pensions

More information

PFIN 10: Understanding Saving and Investing 62

PFIN 10: Understanding Saving and Investing 62 PFIN 10: Understanding Saving and Investing 62 10-1 Reasons for Saving and Investing OBJECTIVES Explain the difference between saving and investing. Describe reasons for saving and investing. Describe

More information

GROUP PERSONAL PENSION WITH SALARY SACRIFICE. A guide to help you prepare for the retirement you want

GROUP PERSONAL PENSION WITH SALARY SACRIFICE. A guide to help you prepare for the retirement you want THE GRANT THORNTON UK LLP GROUP PERSONAL PENSION PLAN GROUP PERSONAL PENSION WITH SALARY SACRIFICE A guide to help you prepare for the retirement you want Your Grant Thornton company pension is provided

More information

Setting the Ground for Business Success

Setting the Ground for Business Success Setting the Ground for Business Success How to define your goals, strategy and metrics www.mrdashboard.com info@mrdashboard.com 211 MR Dashboard LLC. All Rights Reserved. Materials and forms in this guide

More information