Time value of money is explained in hindi. Let's understand Power of Compounding, Present Value and Future value concepts. We will also learn about Simple Interest and Compound Interest & how they work in investing in the upcoming videos. Related Videos: Future Value - https://youtu.be/BFRGWenwulc Future Value of an Annuity - https://youtu.be/f6a7E3326QQ Future Value of Uneven Cash Flows - https://youtu.be/yHoTUk8HP-c Present Value - https://youtu.be/pxm-5MBO2dg Present Value of an Annuity - https://youtu.be/0giLqLyijtc Net Present Value (NPV) - https://youtu.be/SpHIBfPGwx8 Internal Rate of Return (IRR) - https://youtu.be/x6eXfx2Tv-w Rule of 72: https://youtu.be/BFRGWenwulc इस वीडियो में समय और पैसे के मूल्य को हिंदी में समझिये। चलिए कम्पाउंडिंग, प्रेजेंट वैल्यू और फ्यूचर वैल्यू के कॉन्सेप्ट्स की पावर को समझते हैं। आने वाले विडोज़ में हम सिंपल इंटरेस्ट और कंपाउंड इंटरेस्ट के बारे में समझेंगे और साथ ही जानेंगे की ये इंवेस्टमेंट्स में कैसे काम आते हैं। Share this Video: https://youtu.be/Pazp1b2LhAQ Subscribe To Our Channel and Get More Property and Real Estate Tips: https://www.youtube.com/channel/UCsNxHPbaCWL1tKw2hxGQD6g If you want to become an Expert Real Estate investor, please visit our website https://assetyogi.com now and Subscribe to our newsletter. In this video, we have explained: What is time value of money? How to calculate the time value of money? What is the concept of time value of money? How important is time value of money in financial management? What is the best method for the time value of money calculation? How to calculate the present value and future value of an investment? How you can calculate the present value of annuity and future value of annuity? What is the formula for calculating the present value and future value? How simple interest and compound interest calculation works with investments? How to know time value of money for long-term investments? How to calculate the value of future investments? How calculating the time value of money works for stock market investments? How to calculate the future value using compound interest formula? Make sure to Like and Share this video. Other Great Resources AssetYogi – http://assetyogi.com/ Follow Us: Linkedin - http://www.linkedin.com/company/asset-yogi Pinterest - http://pinterest.com/assetyogi/ Facebook – https://www.facebook.com/assetyogi Instagram - http://instagram.com/assetyogi Twitter - http://twitter.com/assetyogi Google Plus – https://plus.google.com/+assetyogi-ay Hope you liked this video in Hindi on “Time Value of Money”.
Views: 47525 Asset Yogi
Why when you get your money matters as much as how much money. Present and future value also discussed. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/present-value/v/introduction-to-present-value?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/cont-comp-int-and-e/v/continuously-compounding-interest-formula-e?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: If you gladly pay for a hamburger on Tuesday for a hamburger today, is it equivalent to paying for it today? A reasonable argument can be made that most everything in finance really boils down to "present value". So pay attention to this tutorial. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 440474 Khan Academy
This video explains the concept of the time value of money, as it pertains to finance and accounting. An example is given to illustrate why there is a time value associated with the timing of cash flows. Edspira is your source for business and financial education. To view the entire video library for free, visit http://www.Edspira.com To like us on Facebook, visit https://www.facebook.com/Edspira Edspira is the creation of Michael McLaughlin, who went from teenage homelessness to a PhD. The goal of Michael's life is to increase access to education so all people can achieve their dreams. To learn more about Michael's story, visit http://www.MichaelMcLaughlin.com To follow Michael on Facebook, visit https://facebook.com/Prof.Michael.McLaughlin To follow Michael on Twitter, visit https://twitter.com/Prof_McLaughlin
Views: 170906 Edspira
View full lesson: http://ed.ted.com/lessons/what-gives-a-dollar-bill-its-value-doug-levinson The value of money is determined by how much (or how little) of it is in circulation. But who makes that decision, and how does their choice affect the economy at large? Doug Levinson takes a trip into the United States Federal Reserve, examining how the people who work there aim to balance the value of the dollar to prevent inflation or deflation. Lesson by Doug Levinson, animation by Qa'ed Mai.
Views: 2041999 TED-Ed
Background A dollar received now is more valuable than a dollar received a year from now. If you have that dollar today, you can invest it and increase its value. Let's explain a bit further: The time of value of money is the difference in value between having a dollar in hand today and receiving a dollar sometime in the future. Why is present and future value important? Since money has a time value, we must take this time value into consideration when making business decisions. Present and future value calculations are powerful methods available in making financial decisions. Once you understand and master the calculations, you can apply these equations for restating cash flows to make them equivalent in business decisions. The calculations are building blocks for many decisions facing individuals and managers alike. In addition, these calculations allow one to calculate returns on investments, capital budgeting, and return on annuities, just to name a few. Key terms: Future value (fv) and present value (pv) are two concepts in clarifying the value of money. Future value is explained as an amount of money invested at present and will mature at the end of a given time when compounded at a given interest rate. Present value is money that must be invested now to accrue to a certain amount of money in the future when compounded. In simpler terms, present value is the value today of an amount of money in the future. Why is this important? For these situations, businesses need to find a method of weighing cash flows that are received at various periods of times (annual, years, quarters, ect). How do we go about finding the present and future value of cash flow? There are two fundamental equations that are commonly used; this video will demonstrate them throughout the presentation. Objectives: Following my discussion, you will be able to: • Have the knowledge of present value (pv) and future value (fv) • Be able to calculate the pv and fv with compounding • Have an understanding of compound interest Discussion: The video discusses the value of a dollar in hand today and applying calculations to determine what that dollar will be worth in the future. In addition, the video demonstrates the concept of wanting to have a specified amount of money in the future and the amount of money needed today in order to earn that specified amount. See the formulas used in video: Fv=pv (1+i) n Pv= (1/1+i) n FvPvn Pv=the beginning amount i= the interest rate/year n=number of years Fv=value at the end of n years. Important points: When computing compounding interest for greater than one year, remember that the interest in the next year is being paid on interest. The interest on the original dollar amount is referred to as "simple interest." Lastly, Net present value can be defined as the difference between the PV of cash inflows and the present value of cash outflows. Net present value is used in capital budgets to assess the probability of a project. The net present value is a standard affirming that a project should be established. Example: If a bank pays 5% interest on a $100 deposit today, in one year, this $100 will be worth $105. This is expressed by the following equation: F1= p (1+r). F1 is the balance at the end of the period, p represents the amount of invested, and r represents the rate of interest. For example, the future of $1,000 compounded at 10%, would be $1,100 after one year and $ 1,331 after three years of investing. For example, if the interest rate is 10%, then the present value of $500 earned or spent in one year from now is $500 divided by 1.10, equates to $455. This example demonstrates the overall notion that the present value of a future amount is less than the actual future amount. Summary Present and future values are important methods for any financial decision. An investment can be viewed in two methods. We discussed present and future values in this video. The process of finding the present value of future cash flows is referred as discounting. Discounting future value to present value is a common technique, especially when weighing in on capital budget decisions. Have the knowledge of the calculations will allow individuals to calculate almost any investment decision
Views: 107438 Lisa Dumont
So, we've been putting off a kind of basic question here. What is money? What is currency? How are the two different. Well, not to give away too much, but money has a few basic functions. It acts as a store of value, a medium of exchange, and as a unit of account. Money isn't just bills and coins. It can be anything that meets these three criteria. In US prisons, apparently, pouches of Mackerel are currency. Yes, mackerel the fish. Paper and coins work as money because they're backed by the government, which is an advantage over mackerel. So, once you've got money, you need finance. We'll talk about borrowing, lending, interest, and stocks and bonds. Also, this episode features a giant zucchini, which Adriene grew in her garden. So that's cool. Special thanks to Dave Hunt for permission to use his PiPhone video. this guy really did make an artisanal smartphone! https://www.youtube.com/watch?v=8eaiNsFhtI8 Crash Course is on Patreon! You can support us directly by signing up at http://www.patreon.com/crashcourse Thanks to the following Patrons for their generous monthly contributions that help keep Crash Course free for everyone forever: Fatima Iqbal, Penelope Flagg, Eugenia Karlson, Alex S, Jirat, Tim Curwick, Christy Huddleston, Eric Kitchen, Moritz Schmidt, Today I Found Out, Avi Yashchin, Chris Peters, Eric Knight, Jacob Ash, Simun Niclasen, Jan Schmid, Elliot Beter, Sandra Aft, SR Foxley, Ian Dundore, Daniel Baulig, Jason A Saslow, Robert Kunz, Jessica Wode, Steve Marshall, Anna-Ester Volozh, Christian, Caleb Weeks, Jeffrey Thompson, James Craver, and Markus Persson -- Want to find Crash Course elsewhere on the internet? Facebook - http://www.facebook.com/YouTubeCrashCourse Twitter - http://www.twitter.com/TheCrashCourse Tumblr - http://thecrashcourse.tumblr.com Support Crash Course on Patreon: http://patreon.com/crashcourse CC Kids: http://www.youtube.com/crashcoursekids
Views: 717190 CrashCourse
This video explains what the time value of money is and how impacts the value of a dollar over time. It also describes the three factors which cause inflation. This video is for intermediate financial accounting. Students studying the present value of both notes receivable and payable will be interested in the contents of this video. Thanks for watching!
Views: 1630 Else Grech Accounting
In the examples solved in this video (compiled by Andrew Rossman), P/Y & C/Y are left at their default values. That is, P/Y=C/Y =1. For examples that require changing P/Y and C/Y, please see the following playlist: https://www.youtube.com/playlist?list=PLD3fYc0bAjC-gmXXegedT3l9mLa8YjhK5 Problems Solved: Example 1: Laura takes a 15-year, $500 000 mortgage, on a new condo. At an interest rate of 4% (that is compounded monthly), what is the monthly payment? Example 2:Helene is planning ahead for her daughter Paula’s college tuition. Paula begins college in 5 years and will need $80,000. How much would Helene have to invest today at 6% compounded annually to have $80,000 in 5 years? Example 3: Josh has an investment account with $50,000. If Josh earns 6% per year and contributes $400 each month, how much will his investments be worth in 10 years? Example 4: Steven has $25,000 in credit card debt. His credit card charges 2% in monthly interest and Steven pays $1,000 each month toward the balance. If Steven doesn’t make any further purchases, how many months will it take to fully repay his debt? Example 5: Martin’s savings account has $25,000 today. In 5 years, the account is worth $32,000. What is the annual interest rate?
Views: 114165 Joshua Emmanuel
www.endless-motivation.com People tell you, money doesn’t buy happiness. But that one line alone doesn’t mean much. Money can’t help you get friends. It can’t help you find a wife or a husband. You can’t buy your way to a better body. But what happens when you have no money? When you’re deep in debt. When you’re unemployed. When you can’t afford to give your family what they need. Now you see money in a different light. Money is insanely important. You can’t live in this world without it. Have you ever been broke? Like flat broke. Eating cheap food. Not being able to do the things you want to do. Turning down opportunities because you just can’t afford it. Not having money limits your life. So money doesn’t buy happiness, but poverty doesn’t either. Making money is what drives us. That’s why we get up every day and go to our jobs. I don’t like money. I like the things money can buy. Healthy food, entertainment, education, a home. Money is just as important as oxygen, you need it to live. So let’s get to the bottom line here, you need to work your ass off to make money. There’s no way you can live like a slacker. If you’re not working hard NOW then what are you waiting for? Waiting until your energy runs out at 45 years old? Or waiting for when you retire? Wouldn’t you rather hussle hard now while you’re young and then have a nest egg built up for the future. And then you won’t have to work so hard when you’re older because you’ll have a career and skills to get the job done. In my life I’ve worked a lot. I’ve had day jobs, I’ve had night jobs, I’ve had side jobs, freelance jobs. You name it. For a few months I worked from 10am to 6pm during the day followed by a night job working from 7pm to 5am. That schedule doesn’t even logically work and you probably shouldn’t do what I did. But hard work is everything. Now I know what it means to earn a living. The worst thing you could do is to squander your hard earned money. Especially after you’ve worked so hard to attain it. Don’t waste it. Spend at least a portion of your income on your future. Education, health, and possessions that have long term value. If you spend your money the right way, it will come back to you in multitudes. When you apply your earnings to important values like education and health, you don’t lose these things easily. It’s something that you keep with you for life. Being focused on making money does not give you the right to be greedy. You have to give back to the world, but it’s a lot easier than you think. It could be donating a small percentage of your hard earned money to charity. It could be guiding someone who is in the same position that you were in. It could be leaving a legacy for your children. It’s really up to you to decide. Whether you believe in it or not karma is real. And now might not be the time to return the favor. But some day, you want to give back. So next time your friends or your co-workers tell you money doesn’t buy happiness, you can tell them what it does buy. It buys you your essentials. Your tools. And your future. ► Subscribe - http://bit.ly/EndlessMotivationSubscribe ► Visit Our Website - http://bit.ly/EndlessMotivationWeb ► SoundCloud - http://bit.ly/EndlessMotivationSoundCloud
Views: 182749 Endless Motivation
Inflation and real and nominal return. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/inflation-tutorial/real-nominal-return-tut/v/calculating-real-return-in-last-year-dollars?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/inflation-tutorial/inflation-scenarios-tutorial/v/hyperinflation?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: If the value of money is constantly changing, can we compare investment return in the future or past to that earned in the present? This tutorial focuses on how to do this (another good tutorial to watch is the one on "present value"). About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 173342 Khan Academy
Welcome to the Investors Trading Academy talking glossary of financial terms and events. Our word of the day is “Fiat Money”. Money has no intrinsic value and cannot be redeemed, but is made legal tender through government decree. All modern paper currencies are fiat money. The value of fiat money depends on the strength of the issuing country's economy. Inflation results when a government issues too much fiat money. Fiat money is currency which derives its value from government regulation or law. The term derives from the Latin fiat -"let it be done", "it shall be". It differs from commodity money and representative money. Commodity money is based on a good, often a precious metal such as gold or silver, which has uses other than as a medium of exchange, while representative money is a claim on the commodity rather than the actual good. The first use of fiat money was recorded in China around 1000 AD. Since then, it has been used continuously by various countries, concurrently with commodity currencies. Because fiat money is not linked to physical reserves, it risks becoming worthless due to hyperinflation. If people lose faith in a nation's paper currency, like the dollar bill, the money will no longer hold any value. Most modern paper currencies are fiat currencies, have no intrinsic value and are used solely as a means of payment. Historically, governments would mint coins out of a physical commodity such as gold or silver, or would print paper money that could be redeemed for a set amount of physical commodity. Fiat money is inconvertible and cannot be redeemed. Fiat money rose to prominence in the 20th century, specifically after the collapse of the Bretton Woods system in 1971, when the United States ceased to allow the conversion of the dollar into gold. By Barry Norman, Investors Trading Academy
Views: 13482 Investor Trading Academy
www.trade12.com Here are the primary factors that can support to shape the long term strength or weakness of major currencies that will affect you as a trader. Subscribe, and watch more tutorials like this! Learn how to trade through fast, simple, and safest way. Change the way you trade! Sign up now to get started.
Views: 18969 Trade12 Learning
Subscribe to Alanis Business Academy on YouTube for updates on the latest videos: https://www.youtube.com/alanisbusinessacademy?sub_confirmation=1 If you're deciding to invest a lump-sum over a period of time you can quickly determine what the future value of that investment would be. In this brief video I'll show you how to calculate the future value of a lump-sum investment. Go Premium for only $9.99 a year and access exclusive ad-free videos from Alanis Business Academy. Click here for a 14 day free trial: http://bit.ly/1Iervwb To view additional video lectures as well as other materials access the following links: YouTube Channel: http://bit.ly/1kkvZoO Website: http://bit.ly/1ccT2QA Facebook: http://on.fb.me/1cpuBhW Twitter: http://bit.ly/1bY2WFA Google+: http://bit.ly/1kX7s6P
Views: 64816 Alanis Business Academy
OMG wow! Clicked here http://mbabullshit.com I'm shocked how easy, bond valuation video.. What is a Bond? Basically, a bond is a certificate which proves that a company borrowed money from you and now owes you money. Owning a bond is a way to earn interest payments instead of putting your money in a bank. Therefore, if a bond can give you high interest coupon payments compared to bank interest payments, a bond value should be high. On the other hand, if a bond will give you small coupon payments compared to bank interest, the bond value should be low. A bond can be bought either from the original company which issues the bond, or from people who already bought the bond from the corporation, but who want to sell the bond before it expires because they don’t want to wait too long before they get back their original investment So to find the theoretical value of a bond, we need to think about the bond’s interest coupon payments compared to bank interest payments, the bond’s face value, and the length of time before maturity when you get back the full face value of the bond. Sears Bond photo credit: Tom Spree via Wikipedia Creative Commons
Views: 90111 MBAbullshitDotCom
ZACH DE GREGORIO, CPA www.WolvesAndFinance.com A description of the Finance Topic "Time Value of Money." The video begins by walking through the equation. There are four different variables: Present Value, Future Value, rate, and number of periods. Present Value and Future Value use the same equation. Multiple periods use the variable N, which represents compounding interest. This is because you are experiencing risk each period across multiple periods. So you should receive additional interest for each period that compounds across multiple periods. This is how amortization tables are built. Amortization tables use the same formula as the time value of money. The video then discusses a common financial application. People usually use this equation to evaluate multiple options to receive a value in the future. The example uses $50 of savings, and evaluates three different options to use that money by using the present value formula. In application you are always focused on the future value because you want “the dollar tomorrow.” We want our money to work for us and to get the interest to continue to grow our money. So we evaluate the infinite choices to invest our money and choose the ones that generate the most value. Investing is really just swapping money back and forth between parties at different payouts, time periods, and different levels of risk. If you can write out your assumptions on time periods and levels of risk, you can use this equation to make financial decisions. This equation helps you understand your assumptions which really drives your result. Neither Zach De Gregorio or Wolves and Finance Inc. shall be liable for any damages related to information in this video. It is recommended you contact a CPA in your area for business advice.
Views: 921 WolvesAndFinance
Importance of compounding Of all the concepts in personal finance, compounding is by far the most important. If you take only one thing away from all my tapes, I hope it's an appreciation for the power of compound growth. And the two elements that will unlock this power are your return on investment and the length of time in the investment. Investing in stocks vs. investing in bonds Suppose your friend invests $100 in government bonds. The bonds pay her 5 percent interest. You, however, are willing to take some short-term risks. You decide to invest $100 in stocks, which are more volatile, but have an average a return of 10 percent annually. At the end of one year, the stock investment will be ahead of the bond investment by 5 percent. This isn't much to get excited about. However, by the end of ten years the total amount invested in stocks will be 60 percent larger than the amount invested in bonds. After 15 years you'll have more than twice as much money if you stayed with stocks as opposed to bonds. After 25 years your stash of stocks will be three times as great as the amount of bonds. After 30 years, you'll have over four times as much money if you stick with stocks as opposed to bonds. Note what's going on here. The higher returning stocks give you more money, and an increasing amount of money over time. Now you might think that at most, stocks could do no better than double the performance of bonds. After all, the bonds yield 5 percent, and the stocks 10 percent, or twice as much as the bonds. But 30 years out, the amount invested in stocks was more than four times as large as the amount invested in bonds. This increasing difference in the total asset size occurs because compound growth is a non-linear process. Small increases in yield help And this is the first big lesson to learn about compound growth : small increases in your return can lead to large increases in your total assets, especially after longer periods of time. Recall in the previous example that after 30 years a stock investment was worth four times as much as a bond investment. After 40 years the stocks are worth six times as much as the bonds, and after 50 years the stocks are worth ten times as much as the bonds. The further you go out in time the larger a small difference in return becomes. So don't scoff at what appear to be slight differences in investment returns. Even increasing your investment returns from 5 percent to 7 percent can make a big difference. It's true that after one year the difference will be hardly discernible, but a 7 percent investment will give you fifty percent more money than a 5 percent investment after 20 years. Longer time periods give you much more cash And this leads us to our second big idea about compound growth : the amount of time involved greatly affects your total results. Go back to the example where you've invested $100 in stocks that grow at 10 percent annually. In this case it will take about seven years for you to double your money to $200. However, to make the next $100 it takes only about four and a half years. To make an additional $100 after that takes only three years. This is another characteristic of compound or exponential growth. You get much higher additions to your assets for each additional year of investment. Here's another way to look at it. The growth of your investment's value resembles a hockey stick. You get flat or almost unnoticeable growth for the first few years, and then you get phenomenal growth in the out years. In the out years your earnings on your earnings completely dwarf your total investment. The longer you have your money invested, the more you'll benefit. The Twin Sister Case Rule of 72 Importance of discounting Examples of discounting Copyright 1997 by David Luhman http://moneyhop.com/scripts/retirement-planning/040-compounding-and-the-time-value-of-money
Views: 771 MoneyHop.com
Are Bitcoin and other types of cryptocurrency really the future of money, or just hype? TEACHERS: Get your students in the discussion on KQED Learn, a safe place for middle and high school students to investigate controversial topics and share their voices. https://learn.kqed.org/topics/10 There’s been a lot of hype recently about Bitcoin and other types of cryptocurrency. So, are they really the future of money, or just a lot of digital hype? ABOVE THE NOISE is a show that cuts through the hype and investigates the research behind controversial and trending topics in the news. Hosted by Myles Bess. *NEW VIDEOS EVERY OTHER WEDNESDAY* SUBSCRIBE by clicking the RED BUTTON above. Follow us on Instagram @kqedabovethenoise Since 2017, when its value skyrocketed and turned a bunch lucky folks into overnight millionaires, there’s been a lot of buzz about Bitcoin and other types of cryptocurrencies. Millions of people around the world own some form of cryptocurrency, and entire new industries have sprung up around them. Some believers think that cryptocurrencies could even replace traditional monetary systems. But a good number of skeptics say that this new type of digital cash is just a short-term fad that won’t last long. What is Bitcoin? Bitcoin was the first cryptocurrency, introduced by an anonymous programmer(s) in 2009 (under the alias Satoshi Nakamoto). Like the other cryptocurrencies that followed it, Bitcoin is a peer-to-peer digital cash network that was created to allow users to make financial transactions without the need for a bank or other trusted third party. Transactions are validated autonomously by computers on the network that compete to solve complex math problems. Cryptocurrencies are not tied to any national government or currency, and are therefore largely unregulated. Also, their value is extremely volatile and unpredictable, based entirely on speculation. What is the blockchain? Bitcoin and other cryptocurrencies operate on open-source software that facilitates transactions between users and ensures the transactions are valid. A group of transactions is known as a block. When that block is validated by other computers on the network, it gets added to a ongoing list of transactions called the chain. All users in the network can see this growing list of transactions (which is called a ledger), although the identify of the buyer and seller and what they’re actually exchanging remains anonymous. Why are so many people so skeptical about cryptocurrencies? Many traditional economists argue that Bitcoin and other cryptocurrencies are just bubbles waiting to pop. They note that their value is based on nothing but speculation - the confidence people have in them at any given moment for whatever reason. And unlike dollars and other traditional currencies, they are not backed by any government, so their value doesn’t come with any guarantee. Skeptics also note that because the value of cryptocurrencies is so erratic and so few businesses accept them, that they’ve largely failed to be functional alternative forms of payment. SOURCES AND ADDITIONAL RESOURCES https://bitcoin.org/bitcoin.pdf https://www.nytimes.com/2017/10/01/technology/what-is-bitcoin-price.html https://www.coindesk.com/price/ https://www.nytimes.com/2018/01/29/opinion/bitcoin-bubble-fraud.html https://www.technologyreview.com/s/610783/bitcoin-would-be-a-calamity-not-an-economy/ https://www.businessinsider.com/bitcoin-conference-stops-accepting-bitcoin-network-fees-congestion-2018-1 https://www.economist.com/finance-and-economics/2018/01/25/venezuelas-currency-plumbs-unknown-depths https://www.businessinsider.com/venezuelas-new-note-is-worth-just-250-2017-11 https://www.theguardian.com/technology/2018/jun/13/meet-erik-finman-the-teenage-bitcoin-millionaire https://news.bitcoin.com/survey-says-8-of-the-american-population-now-own-cryptocurrency/ https://www.foreignpolicyjournal.com/2018/02/12/can-bitcoin-save-venezuela/ https://www.wired.com/story/where-could-bitcoin-succeed-as-a-currency-in-a-failed-state/ FOR EDUCATORS KQED Learn https://learn.kqed.org KQED Teach https://teach.kqed.org KQED Education https://ww2.kqed.org/education https://www.facebook.com/KQEDEducation https://twitter.com/KQEDedspace https://www.instagram.com/kqededucation About KQED KQED, an NPR and PBS affiliate in San Francisco, CA, serves Northern California and beyond with a public-supported alternative to commercial TV, Radio, and web media. Funding for Above the Noise is provided in part by the Corporation for Public Broadcasting, Silver Giving Foundation, Stuart Foundation, and William and Flora Hewlett Foundation.
Views: 6006 Above The Noise
This video takes you through what is the time value of money, how it is determined and how it is used. It is a part of the video lecture series on Certified Financial Planner. Money available in present time is worth more than the same amount in the future due to its potential earning capacity. This is time value of money. The video covers the second half on the topic and the first part list covered in the preceding video. For more such helpful videos on CFP subscribe to our Channel. To know more kindly go on this link- https://ufaber.com/course/become-a-certified-financial-planner-cfp You can also visit us on our website – www.ufaber.com
Views: 585 uFaber
Present Value of an Annuity excel formula, calculation and concept explained in hindi with examples. How to calculate Present value of annuity in Excel and manually? Eg. you can calculate Present Value of monthly Rent that you get from a lease. Related Videos: Time Value of Money - https://youtu.be/Pazp1b2LhAQ Present Value - https://youtu.be/pxm-5MBO2dg Future Value - https://youtu.be/BFRGWenwulc Future Value of an Annuity - https://youtu.be/f6a7E3326QQ Future Value of Uneven Cash Flows - https://youtu.be/yHoTUk8HP-c Net Present Value (NPV) - https://youtu.be/SpHIBfPGwx8 Internal Rate of Return (IRR) - https://youtu.be/x6eXfx2Tv-w इस हिंदी वीडियो में प्रेज़ेंट वैल्यू ऑफ़ एन्युटी को उदहारण के साथ समझाया गया है। Share this Video: https://youtu.be/0giLqLyijtc Subscribe To Our Channel and Get More Property and Real Estate Tips: https://www.youtube.com/channel/UCsNxHPbaCWL1tKw2hxGQD6g If you want to become an Expert Real Estate investor, please visit our website https://assetyogi.com now and Subscribe to our newsletter. In this video, we have explained: What is the present value of an annuity? How to calculate the present value with an annuity? What is the concept of present value of an annuity? What are the basics of the time value of money? How to calculate the present value of an annuity in Microsoft Excel or Google spreadsheet? What is the calculation formula of the present value of an annuity? What is the meaning of the present value of an annuity? How to calculate the present value of a rental income? How present value of companies are calculated? How to calculate the present value of annuity for any fixed income? Make sure to Like and Share this video. Other Great Resources AssetYogi – http://assetyogi.com/ Follow Us: Facebook – https://www.facebook.com/assetyogi Instagram - http://instagram.com/assetyogi Twitter - http://twitter.com/assetyogi Linkedin - http://www.linkedin.com/company/asset-yogi Pinterest - http://pinterest.com/assetyogi/ Google Plus – https://plus.google.com/+assetyogi-ay Hope you liked this video in Hindi on “Present Value of an Annuity”.
Views: 15087 Asset Yogi
Lecture 11: Capital Investment Decisions and the Time Value of Money by Professor Victoria Chiu (Chapter 21) This lecture focuses primarily on capital budgeting. The topics of payback period and rate of return are discussed as well as the methods for calculating them. Lastly, the concept of time value of money is explained, as well as the many terms that fall under it (annuities, future values, present values, number of periods, interest, and more). Begins with Overview of New Topic and Learning Objectives of Chapter Capital Budgeting (defined): 2:47 Cash Flows: 8:48 (relation to Capital Budgeting) Capital Budgeting Process (diagram): 12:50 Payback Period (defined): 17:35 Calculating Payback Period: 19:19 Criticisms of Payback Period: 28:24 Rate of Return (defined): 30:26 Calculating Rate of Return: 35:21 Rate of Return Decision Rule: 43:35 Exercise S21-2: 45:11 (Using payback period and rate of return methods to make capital investment decisions) Exercise S21-2 Solution: 51:51 Time Value of Money (defined): 1:01:22 Factors That Affect Time Value of Money: 1:03:27 Interest: 1:05:45 Present and Future Value Along a Time Continuum: 1:07:52 Factors for Present and Future Value: 1:09:16 Using Future Values (FV factors table): 1:09:36 Using Future Values for Annuities: 1:11:28 To receive additional updates regarding our library please subscribe to our mailing list using the following link: http://rbx.business.rutgers.edu/subscribe.html
Views: 12772 Rutgers Accounting Web
This five minute video explains how to value long-term bonds using the concept of the time value of money. This is problem 1 of the chapter 6 homework for ACCT 301 at Old Dominion University. Created by Sakinah Abdus-Salaam, Andrew Baidoo, and Matthew Shaw.
Views: 4084 Matthew Shaw
Welcome to CT1. Financial Mathematics. Attempt this subject after doing a foundational course in Mathematics. You can get additional resources at www.acted.co.uk
Views: 9444 MJ the Fellow Actuary
All videos can be found at www.m4ths.com and www.astarmaths.com These videos were donated to the channel by Steve Blades of maths247 'fame'. Please share via twitter or facebook if you find them helpful. Designed for the Edexcel spec but applicable to AQA, OCR,MEI and WJEC.
Views: 24747 ukmathsteacher
Time Value of Money & Net Present Value (NPV) Tutorial: Intro Guide with Formula & Example. The time value of money & Net Present value (NPV) Explained. This video includes: * Explanation of the Key Finance Concept: The Time Value of Money * Net Present Value (NPV): An Application of the Time Value of Money * Present Value Formula and NPV Example * Review Get a quick, clear and simple guide into what is the Time Value of Money and what is Net Present Value. You will learn: *The Time Value of Money is a Key Finance Concept saying that $1 today is worth more than $1 tomorrowbecause $1 today can be invested and worth $1 + interest tomorrow * Net Present Value is a Time Value of Money Application that allows you to value a series of future cash flows in term’s of today’s dollars. We discount future cash flows via the Present Value formula: PV = FV / (1 + r)n The Time Value of Money...A question: Would you rather have $1,000 today or $1,000 in a year’s time? Firstly… Inflation would mean $1,000 in a year would purchase less And how do you know (with certainty) that you will receive $1,000 in a year’s time? But a Cornerstone Finance Concept relates to the fact that you could take $1,000 today Invest it in a risk-free asset And have $1,000 PLUS the interest in a year’s time …It’s always better to have $1 today than have $1 tomorrow Net Present Value is a Time Value of Money Application that allows you to Value a Series of Future Cash Flows in the terms of "today's value". To calculate Net Present Value we must discount each of the future cash flows By applying the Present Value formula to each cash flow And then now sum the discounted cash flows To have a Net Present Value of the project or investment …the value of the investment in “today’s dollars” --------------------- This video was brought to you by accofina. Other accofina Products & Services: Free Spreadsheets: 1) Ratio Analysis Calculators & Formulas http://www.accofina.com/spreadsheets/ratio-analysis-excel.html 2) Capital Budgeting http://www.accofina.com/spreadsheets/capital-budgeting-excel.html 3) Time Value of Money Calculators & Formulas http://www.accofina.com/spreadsheets/time-value-money-excel.html 4) 2-Year Monthly Cash Flow Forecast http://www.accofina.com/spreadsheets/cash-flow-forecast-excel.html 5) Retirement Planner http://www.accofina.com/spreadsheets/retirement-planner-excel.html Free Books: 1) Accounting: Foundation Inputs & Outputs http://accofina.com/free-books/accounting-foundations.html 2) 331 Great Quotes for Entrepreneurs http://accofina.com/free-books/331-great-quotes-entrepreneurs.html Books: 1) Ratio Analysis Fundamentals http://accofina.com/books/ratio-analysis-fundamentals.html 2) Balance Sheet Basics http://accofina.com/books/balance-sheet-basics.html 3) Income Statement Basics http://accofina.com/books/income-statement-basics.html 4) Cash Flow Statement Basics http://accofina.com/books/cash-flow-statement-basics.html 5) Financial Statement Basics http://accofina.com/books/financial-statement-basics.html 6) Corporate Finance Fundamentals http://accofina.com/books/corporate-finance-fundamentals.html a) Amazon Author Page: http://www.amazon.com/author/axeltracy b) Goodreads Author Page: https://www.goodreads.com/author/show/7450542.Axel_Tracy iOS Apps: 1) Ratio Analysis & Management Accounting Calculators http://accofina.com/apps/management-accounting-ratio-analysis-app.html 2) Ratio Analysis & Management Accounting Calculators 'Lite' http://accofina.com/apps/lite-management-accounting-ratio-analysis-app.html 3) Profitable Pricing http://accofina.com/apps/profitable-pricing-app.html a) Bidi Capital (accofina) Apps http://appstore.com/bidicapitalptyltd Online Learning: 1) Financial Statement Fundamentals http://accofina.com/online-education/financial-statement-fundamentals.html a) Udemy Instructor Page https://www.udemy.com/u/axeltracy/ b) YouTube Channel http://www.youtube.com/accofina Free Online Calculators: http://www.accofina.com Social Networking & Contact: 1) Facebook http://www.facebook.com/accofinaDotCom 2) Twitter http://www.twitter.com/accofina 3) LinkedIn https://www.linkedin.com/company/bidi-capital-pty-ltd 4) Google+ http://plus.google.com/+accofina #Wealth #FinancialEducation #FinanceAndFinancialMarkets
Views: 570 AccoFina
This is a quick tutorial on how to use HP 10bII+. The tutorial covers how to calculate: future value, present value, annuity, and net present value (NPV). You can find web-based practice problems at http://tinyurl.com/hp10biiplus. I recorded this faceless tutorial as a Teaching Assistant for ACC 312 (Fundamentals of Managerial Accounting) in Spring 2014.
Views: 136067 Daehyun Kim
Download Preston's 1 page checklist for finding great stock picks: http://buffettsbooks.com/checklist Preston Pysh is the #1 selling Amazon author of two books on Warren Buffett. The books can be found at the following location: http://www.amazon.com/gp/product/0982967624/ref=as_li_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=0982967624&linkCode=as2&tag=pypull-20&linkId=EOHYVY7DPUCW3WD4 http://www.amazon.com/gp/product/1939370159/ref=as_li_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=1939370159&linkCode=as2&tag=pypull-20&linkId=XRE5CA2QJ3I2OWSW In this lesson, we began to understand the important terms that truly value a bond. Since most investors will never hold a bond throughout the entire term, understanding how to value the asset becomes very important. As we get into the second course of this website, a thorough understanding of these terms is needed. So, be sure to learn it now and not jump ahead. We learned that there are two ways to look at the value of a bond, simple interest and compound interest. As an intelligent investor, you'll really want to focus on understanding compound interest. The term that was really important to understand in this lesson was yield to maturity. This term was really important because it accounted for almost every variable we could consider when determining the true value (or intrinsic value) of the bond. Yield to Maturity estimates the total amount of money you will earn over the entire life of the bond, but it actually accounts for all coupons, interest-on-interest, and gains or losses you'll sustain from the difference between the price you pay and the par value.
Views: 371858 Preston Pysh
http://www.subjectmoney.com In this Perpetuity Lesson I define what a perpetuity is, how to calculate the present value of a perpetuity, and also provide you with some examples of solving the present value of a perpetuity. A perpetuity is a steady stream of Cash Flow s of equal amounts that are to be received or paid indefinitely. A perpetuity is a form of an ordinary annuity and is sometimes called a perpetuity annuity. A true perpetuity is rare but they are not non-existent. Around 1871 the British government issued a Bond that was a true perpetuity known as a Consol. The purchaser of a Consol was entitled to receive an annual coupon payment at a fixed rate forever. You may wonder why or how a government or any entity would want to agree to such a long-term commitment of payments. They do this because they can guarantee payment by reinvesting the money from the purchaser into Investment s that earn a higher return.
Views: 19473 Subjectmoney
Subscribe to Alanis Business Academy on YouTube for updates on the latest videos: https://www.youtube.com/alanisbusinessacademy?sub_confirmation=1 In this video, I show how to calculate the present value of an annuity. In addition to converting the series of payments via the traditional discounting method, I'll show how to solve the problem utilizing a handy equation.
Views: 201586 Alanis Business Academy
When you think of Tata Motors then chances are that the first car that comes to your mind is the Indica and there’s a good reason for that – it is the most popular Tata after all. But things have changed now as Tata wants to go global, and they are the owners of Jaguar Land Rover after all. The result of this ambitious plan is the Tata Tiago, which promises to be the first car that will come to your mind, whenever you think of Tata Motors, as soon as you start driving it. That’s a lot to live up to, especially if you consider the already crowded segment that the Tiago will be competing in. We tested out the top-end ‘XZ’ diesel variant of the Tiago to find out how it fares. Read the review here: http://bit.ly/2fOZnKY
Views: 35251 News18 Digital
Why stocks make money Here's another angle on my contention that stocks represent more than scraps of paper. When you buy a stock, you're buying part of a company. And everyone in this company is, for the most part, actively working to increase the value of your slice of the company. And this, I think, is one of the main reasons why stocks have outperformed bonds over time. Stock equity compared with home equity Think about it this way. When you buy a home, you put up some of your own money and you borrow the rest. Then you spend a lot of time trying to increase the value of your home's equity. You add improvements, fix up the inside, and make a lot of noise if someone tries to put a toxic waste dump in your backyard. You know that if something bad happens to the value of your home, you as the owner are going to eat the loss. The mortgage banker isn't going to decrease your mortgage just because something bad happened in your neighborhood. So you, as an owner, spend a lot of time and brain power trying to improve the value of your home. At the same time, you're doing all you can to cheat your mortgage banker. Bond (mortgage) holders enjoy little upside OK, maybe "cheat" is the wrong word, but what are you going to do the first time mortgage rates drop two points below your rate? You're going to refinance the mortgage and get out of your old, expensive mortgage. Of course you're not really cheating anyone because the mortgage banker knows what's going on, but I hope you see what I'm getting at. Bonds and mortgages are basically passive debt investments, while stocks and home ownership are active equity investments. As long as you've got company management who own a lot of stock, and thus have their interests aligned with stockholders, you should have a management team that is trying to protect your investment in the company's stock. How company management cheats bondholders On the other hand, that same management is trying to find ways to cheat the company's bondholders. But in this case, I don't think "cheat" is an exaggeration. In the 1980s debt holders really were cheated by managers who were looking to help the stockholders. The leveraged buyout of RJR Nabisco is a good example. By taking on additional debt, RJR Nabisco's managers could buy back the company's stock and gain control of the firm. Of course, this would hurt the current bondholders who would see their investment grade debt be downgraded to junk bond status. Bondholders know that managers often try to cheat them, so the bondholders try to come up with bond covenants that will prevent this. But as the RJR Nabisco bondholders found out, words on a piece of paper sometimes are little defense against managers who are actively trying to cheat you. Stocks beat inflation Finally, the threat of inflation is another reason to believe that over the long run, stock investments are better than bond investments. As I discuss in my tape on bond investing, inflation is the number one threat facing a bond investor. When you buy a bond, you exchange money today for a fixed amount of money tomorrow. But if the money you receive tomorrow has less value because of inflation, you'll get burned. But stocks don't face as big of a threat from inflation. When you buy a stock you're still exchanging money today for a stream of money in the future, but there's a key difference. The stream of money you'll receive in the future has the potential to grow. Assume you buy stock in an oil company, and then a few months later the price of all items, including oil, shoots up. As the price of oil increases, these increases should eventually benefit you as the oil company's earnings and dividends are increased. This is different from the bondholder whose interest payments won't be increased, unless he happens to hold inflation-indexed bonds. I hope you have at least some money in stocks So I hope I've convinced you to put at least some of your money into stocks because of their long-term potential for higher returns and because of their inflation protection. But remember to keep your money in a variety of assets. See my tapes on retirement planning and mutual funds for more help with asset allocation. In spite of the need for diversification, it seems like people are becoming too mesmerized with the recent good performance of stocks. I'm not sure where the American stock market is going, but I can't help but get a little cautious. The American stock market of the late 1990s is beginning to look a little like the Japanese stock market of the late 1980s. Copyright 1997 by David Luhman http://moneyhop.com/scripts/stocks/050-why-stocks-increase-in-value-over-the-long-term
Views: 803 MoneyHop.com
Do you always struggle with your monthly financial budget? You may be earning decent but still, be struggling every month with your savings. In this video, you will get to know how to save money, how to increase bank balance and how to be financially free despite having a lot of responsibilities. Ways to increase bank balance are unending. What you seriously need is a plan and a will to execute it. Only then will you find true worth of this video in which we shared ways to save money that are not at all difficult to follow. You need not follow all the money saving tips, just incorporate those that you feel are doable for you. This our financial advice in Hindi to you, which will help you increase your bank balance and save more money in the future. You have to learn the art of financial management to have a financially secure future ahead. You should plan your retirement, kids education, household expenses, financial planning is the key to create wealth. Your answer to "how to make more money?" is saving and investment. Learn and apply from this motivational advice. Here is the summary of 8 habits, Habit #8 No Credit Credit is simply a rattrap hidden behind a bed of roses. Most of us, at some or the other point in our life, have fallen into the trap of taking credit to fulfill our monetary needs. From family members to friends, from colleagues to vendors that we closely work with, credit is a monetary tool which must be used only when it is absolutely necessary and not otherwise. Most of us instantly choose to use the instrument of credit failing to realize that we might not be in a position to repay it on time. Habit #7 Maintain your Accounts While it may seem like a cumbersome job at first, but maintaining your accounts is the wisest way to get hold of your finances and monitor them closely. Often we end up spending more than we save and push ourselves in a situation of monetary imbalance. The sole reason as to why we end up in this situation is because of our lack of accounting. When you maintain an account of your incomes and expenses, you will not only become watchful of what you spend but you will also be amazed at the wonders it does in terms of saving. Habit #6 Leave Bad Habits A wise person has rightly said, no one can harm us more than we can harm ourselves. Imagine spending a sum of Rs. 50 every day, this daily expenditure which seems like a petty amount totals up to Rs. 1500 every month. This is the approximate amount that a person spends on injurious habits like smoking, alcohol or taking drugs. If you choose to give up a bad habit, it will not only be easy on your pocket but it will also help you in maintaining your health and increasing your life’s longevity. Habit #5 Records Apart from maintaining accounts, there is one more significant step that every person must necessarily follow for financial independence. This step is the maintenance of records. By records, we mean the different legal and formal documents of importance that every citizen of India is bound to maintain by law. Habit #4 Save and Invest Investing is an art that every person needs to know in order to be financially stable in life. Savings on the other hand form the base of investments. In order to invest, it is but obvious that you need to start saving a part of what you earn. Investing in the right practices will help you gain beneficial returns in the long term. If you begin investing early, you will have ample savings for yourself and your family, years down the line. Habit #3 Buy in bulk Why spend more on things that we already know we will keep on needing? The habit of buying in bulk is particularly useful when it comes to purchasing necessities. Why pay the full price for a bag of rice when you know that you will need it again for the next month? In situations like these, the concept of bulk buying comes into play. Quantities of Purchase and Price have an inverse relationship. #2 Save your health We spend a major chunk of our lives trying to earn as much as we can without giving any due importance to our physical and mental health. It is imperative to understand the simple fact that we will be able to fulfill our financial dreams only when we pay due attention to our health and wellness. #1 Never Stop Learning The biggest multimillionaires in the world are the ones who never stop learning. If you want to become someone like Warren Buffet or Bill Gates, you need to keep adapting to changes and learn to be dynamic, just like they are. This was the episode 2 in the series of The Career Advisor. Watch episode 1 here: https://www.youtube.com/watch?v=9YVxGQfXvNU #MONEY #savemoney #investment #finance #financialadvice #motivationaladvice #financialtips 8 Powerful Morning Habits :- https://www.youtube.com/watch?v=L48xzPBJlCI Follow Our Blog https://esipfadvisor.com/blog/
Views: 2167074 Labour Law Advisor
Read more at BigThink.com: Follow Big Think here: YouTube: http://goo.gl/CPTsV5 Facebook: https://www.facebook.com/BigThinkdotcom Twitter: https://twitter.com/bigthink So, from an end-user perspective there’s a lot of questions around the impact of either Bitcoin or blockchains. And if you look at the very best technologies they tend to sort of eventually fade seamlessly into the background. So for example, you’re using your phone every day, but you don’t necessarily understand how TCPIP is working in terms of transmitting data on the Internet. And there’s lots of examples like that where the best technology sort of fades into the background in terms of what you’re doing. In the case of Bitcoin or related cryptocurrencies a lot of the near-term impact of that is really around financial services and the emergence of a new digital asset class. And so if you look at Bitcoin really what it is is in some sense a store of value or a store of wealth, and many people compare it to something like millennial gold. It’s basically a digital asset that you hold as an investable product. And so I think many of the early uses is just going to be this will end up being a part of everybody’s portfolio in ten years, and you’re going to have some proportion in bonds and some proportion in stocks, and then some proportion in cryptocurrencies. So I think for most people that’s really how it’s going to exist in the shorter-term. Some people are talking about the Web3 or Internet3 and how all infrastructure is going to flip over to decentralized cryptocurrency-based systems. I’m much more skeptical about that, at least in the short run. In part because centralized systems tend to be dramatically more efficient than decentralized systems; in other words if you look at the cost of running a centralized system it’s much lower, you have bargaining power around the underlying hardware, you have economies of scale in terms of how you deploy it and where you place it, and also just running these systems is much simpler if you have a centralized approach. What that means it is is that most of the times that you’re going to see blockchains pop up is when you’re using something that is uniquely associated with them. And if you ask what a blockchain is it’s really sort of a bad database, but it has very unique characteristics where it has this notion of being trust-less, in other words you can, in aggregate, come to consensus or decisions together or conclusions around the quality of data, the quality of the transaction or other things in a way that no central authority can control. And what that means is you’ve created systems that are effectively censorship proof or seizure resistant, in other words the government can’t come and take your asset if you’re in a country which has very bad governance, or it means that no third-party can suddenly accidentally erase your data, or you can’t hack a third-party to access your data (although obviously you can still hack a blockchain). And so really where that tends to crop up, if you ask “what are the things that I don’t want the government or other third-party to take from me?” or a place where I want some notion of privacy around what I’m doing, it really tends to be around money or it tends to be around personal data. And in the long run I think those are the areas that are going to be most impacted, but I think in the short run really it’s going to be about “Do you have a piece of this digital asset in your portfolio?”
Views: 12960 Big Think
There are many different kinds of life insurance. Term Life, Whole Life, and Universal Life are just three of the most basic kinds. Check out life insurance expert Byron Udell break down the main three different types of life insurance. Visit our blog and learn more about how much life insurance you need and the kind of coverage that fits your life. If your thirst for knowledge extends past the common questions, peruse our blog at your leisure. Blog: http://bit.ly/2DR415l How much life insurance do you need? Learn! http://bit.ly/2DRQ9I0 3 Reasons People Put Off Buying Insurance. Know it! http://bit.ly/2DSMFVZ Read the Video! Hi. I’m Byron Udell, Founder and CEO of AccuQuote. Since 1986, we’ve helped millions of people save money on their life insurance. When you boil it down, there are really only two kinds of life insurance: “Temporary” coverage, which is called “Term Insurance”…and “Permanent Insurance.” Both Term and Permanent life insurance come in various shapes and flavors to satisfy different needs. Permanent insurance is designed to provide coverage for as long as you live. If your needs are long-term, like estate planning or final expenses, or if you just want to leave a bigger legacy, no matter when you die, permanent life insurance is probably the way to go. There are lots of different kinds of permanent insurance, but the two primary categories are…whole life and universal life. And I’ll come back to these in a minute. Term life insurance is, by definition, “temporary” insurance. It’s designed to provide coverage for a limited period of time, typically 10, 20 or 30 years. Term policies are simple and extremely inexpensive. In most cases, your cost each year is guaranteed to remain level for whatever the term is. Again, typically 10, 20 or 30 years. After the term is over, make sure you’re sitting down when you receive your premium notice, because your rates are going to jump up dramatically. Sometimes by a factor of as much as 10 or more. But some of these policies have a built-in conversion option that’ll allow you trade in your term coverage for a shiny new permanent policy. Term life makes sense if you know when you’re going to be financially independent or if you’re sure there’s some date down the road where no one will be depending on you anymore financially. Like when your kids are all grown up and your mortgage is all paid off. Term is also good when you’re younger and your biggest concern is getting the protection in place and keeping your costs down. If you’re a non-smoker in your 30s and healthy, you can buy a 20-year, $250,000 term policy for less than $20 a month. Sounds too good to be true? Well, it’s 100% true. Now back to Permanent Life Insurance. Whole Life and Universal Life insurance are more expensive than Term, but let’s look at what you’re getting for the money. Unlike term insurance, permanent insurance in generally designed to last forever. You can’t outlive a permanent life insurance policy. With most permanent policies, as long as you pay your premiums on time, your family is guaranteed to receive the death benefit…no matter when you die. Whether that’s tomorrow or 50 years from now. Unlike term insurance, permanent insurance policies can also build cash surrender values, which can be accessed at any time, for any reason. You can set up your premiums to be level of life…guaranteed. You won’t have to worry about premiums going up when you get older and forcing you to drop the policy. Nor will you have to worry about being healthy enough in the future to have to requalify or replace the coverage. If you like, you can also arrange to pay for the policy over a shorter period of time, say 10 years, so after that, you own the coverage…and no further premiums are due for the rest of your life. Universal Life Insurance, one kind of permanent life insurance, offers a certain amount of built-in flexibility. You have the ability to change your premiums and death benefits to keep pace with changes in your life. Whole Life Insurance is what I refer to as the “Rolls Royce” of life insurance. Whole life costs more than all the other types of life insurance we’ve discussed, but it does more. Over time, these policies develop significant cash value that are guaranteed and can be accessed at any time. Regardless of what happens in the economy, each year, the cash values grow…guaranteed.
Views: 244738 AccuQuote Life Insurance
Focusing again on the practical calculation versus theoretical underpinnings (that's for a later video), we look at Net Present Value (NPV), Internal Rate of Return (IRR), and attempt to visualize the impact of the Cost of Capital (r) in achieving a positive return on our investment...with a super-exciting chart toward the end.
Views: 1271 Econo McCall
DOING THE RIGHT THING IS ALWAYS THE RIGHT THING. THEERE IS A NEED TO CHANGE THE WAY WE THINK ABOUT BUSINESS AND LIFE IN GENERAL. watch all of my journey as an entrepreneur HERE: https://www.youtube.com/playlist?list=PLfA33-E9P7FA-A72QKBw3noWuQbaVXqSD — ♫ "We Get To Runaway" by JMKM - https://soundcloud.com/productiveculture ♫ Music by Wolff - https://soundcloud.com/thisiswolff 💿 : DailyVee Selects:https://soundcloud.com/garyvee/sets/dailyvee-selects -- Thank you for watching this video. I hope that you keep up with the daily videos I post on the channel, subscribe, and share your learnings with those that need to hear it. Your comments are my oxygen, so please take a second and say ‘Hey’ ;). -- ► Subscribe to My Channel Here http://www.youtube.com/subscription_center?add_user=GaryVaynerchuk -- Gary Vaynerchuk is a serial entrepreneur and the CEO and founder of VaynerMedia, a full-service digital agency servicing Fortune 500 clients across the company’s 5 locations. Gary is also a prolific public speaker, venture capitalist, 4-time New York Times Bestselling Author, and has been named to both Crain’s and Fortune’s 40 Under 40 lists. Gary is the host of the #AskGaryVee Show, a business and marketing focused Q&A video show and podcast, as well as DailyVee, a docu-series highlighting what it’s like to be a CEO, investor, speaker, and public figure in today’s digital age. Make sure to stay tuned for Gary’s latest project Planet of the Apps, Apple’s very first video series, where Gary will be a judge alongside Will.I.Am, Jessica Alba, and Gwyneth Paltrow. ---- Follow Me Online Here: Instagram: http://instagram.com/garyvee Facebook: http://facebook.com/gary Snapchat: http://snapchat.com/add/garyvee Website: http://garyvaynerchuk.com Soundcloud: https://soundcloud.com/garyvee/ Twitter: http://twitter.com/garyvee Medium: http://medium.com/@garyvee Planet of the Apps: http://planetoftheapps.com Podcast: http://garyvaynerchuk.com/podcast Wine Library: http://winelibrary.com Subscribe to my VIP Newsletter for exclusive content and weekly giveaways here: http://garyvee.com/GARYVIP
Views: 133529 GaryVee
Hello, BodhaGuru Learning proudly presents an animated video in English, which teaches children what is money and how to count coins, notes. It explains about Indian Currency (e.g. relation between rupee and paisa, Indian coins and notes etc.). Next, learn how to add coins, notes and learn decimal addition: http://www.youtube.com/watch?v=oS6QMWEa-Jc About us: We are a social enterprise working on a mission to make school learning interesting, relevant and affordable to every child on this planet. You can watch our FREE online videos at http://www.bodhaguru.com/watch and download our practice application/games - just visit http://www.bodhaguru.com/play If you like our videos, subscribe to our channel http://www.youtube.com/user/BodhaGuruLearning. Feel free to connect with us at http://www.facebook.com/BodhaGuru OR http://twitter.com/Bodhaguru Have fun, while you learn. Thanks for watching -- Team BodhaGuru
Views: 119898 Bodhaguru
Video Transcript: So right around the same time that my dad explained the whole spreadsheet and the time value of money, he made me get a job. Like I said I was about eleven or twelve years old and about the only job I can get at the time was a paper route. So I start delivering newspapers, getting up early and riding my bike and you know just delivering newspapers. It started to provide a paycheck and enabled me to take that money and go buy the things I wanted to buy but I also you know wanted to experience that time value of money that my father had explained to me, so I started to save the money as well. By the time I was fourteen I realized that a paper route wasn’t the most lucrative nor was it the best use of my time. So I started a small business with some friends in the neighborhood to clean decks , mow lawns, shovel driveways and do anything that we could do, sort of physically using our bodies as young kids to help around the neighborhood. That did really well, I sort of had a few guys that I did this with, you know as the ring leader I made the most money and they were sort of my first, I guess you can say, employees. You know after that I went on and had other small businesses throughout college but my first real company was when I graduated college. I took three and a half years to graduate college and I took that last semester to start a company and it was in the telecommunication space, it was very early in the telecom days, in the mid 90’s or at least early in the sense of internet and data that was starting to come about and I learned that the best way to make money in that business was to be a middle man in between really big companies who need to procure telecommunication services and the telecoms themselves. So we became an agent and we help these big companies make decisions about which telecom provider to go with and then we would make money from the telecom provider on the backend by getting a piece of the monthly recurring revenue for the life of that contract. Took advantage of this sort of compounding model and the annuity income stream that my dad taught me at a very early age and you know we did very well. We made a ton of money, I was twenty one years old at the time when I started the company; we did very well in the course of a few years but what I learned the most was that we weren’t really building any real long term value. The only value we were building was the amount of money that was booked out on the contracts that we had. We had not any intellectual property, we had people and we had relationships and we had contracts and that was the limitation of the value of our company, so when we went to sell it that was what we were valued at. There wasn’t much of a multiply on our earnings, giving that there was no real intellectual property, we have not invented anything, we had not come up with anything that was tangible beyond our income strength. So fast forward to future companies that I’ve build; I’ve instead now focus on long term intellectual property value that we can build in a company. Today we are building a consumer photo app which has no monetization plan, at least not very early on, and we are focus much more on building users and technology and intellectual property that ultimately may be worth more than what any income stream might be worth today. So it’s interesting to see how my personal interests have change from you know, just purely making money; I had no real interest in telecommunications back then but I knew it was a great way to make money and I understood the compounding model and annuity income and everything associated with that. Were as today I’m focus on something that, again we’re not exactly sure how we are going to make money but we are focus on building values for millions of people.
Views: 38 RebelsPatch.com
Before buying anything, don’t you always look for a good deal that gives you the best value for your money? Similarly, Value Investing is about investing in stocks of good companies that the market has undervalued, i.e. good stocks available at a discount! Mutual funds have schemes which work on the principles of value investing and can help you benefit from: • Buying good companies at good prices • Diversifying your investment portfolio • And planning for your long term goals Always make informed investment decisions and invest correctly. To know more, visit http://investcorrectly.in/financial-planning/what-is-value-investing/ Subscribe to our channel for more interesting updates: http://goo.gl/vDHlwp Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Views: 22870 ICICI Prudential Mutual Fund
Why bond prices move inversely to changes in interest rate. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/bonds-tutorial/v/treasury-bond-prices-and-yields?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/bonds-tutorial/v/introduction-to-the-yield-curve?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Both corporations and governments can borrow money by selling bonds. This tutorial explains how this works and how bond prices relate to interest rates. In general, understanding this not only helps you with your own investing, but gives you a lens on the entire global economy. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 540551 Khan Academy
http://withlifetimeprotection.com what is a term life insurance policy. When shopping for life insurance there are several choices to be make, one being the types of life insurance policy that is best for you. Whether it is term or permanent or life insurance you might want what is a term life insurance policy depends on your needs now and in the future. Find out today about what is a term life insurance policy by clicking on http://withlifetimeprotection.com and request a quote Life insurance because you care what is a term life insurance policy http://youtu.be/Of_w6hXGZmc
Views: 8 Yourlifeinsurance411
David Williams, director at Strategic Gold Corporation weighs in on why the price of gold is crashing as it witnesses its biggest two-day plunge in 30 years. By the close of trading Monday the price was off more than 13 percent, or more than $200 per ounce, from last Thursday's closing price of $1,564.90. In addition, Williams speaks about gold versus fiat currency and why a fiat currency is good for a day-to-day business transaction, but not ideal in the long-term to store wealth.
Views: 1586 IBTimesTV
All 10 Level 1 topics are available on this channel. If you like what I am doing, then be a friend: 1. Click subscribe so that you will be notified of all new uploads 2. Click like (the more likes these videos get, the better they show up in search results) 3. Don't click dislike!! That does not help me improve the content and delivery. If you don't like something, leave a comment, politely of course. 4. Click Share - help other find what you have found. REQUIRED DISCLAIMER: CFA Institute does not endorse, promote, or warrant the accuracy or quality of the products or services offered by Mark Meldrum. CFA ® are trademarks owned by CFA Institute.
Views: 123408 Mark Meldrum
Watch Latest Business News & Updates ►http://bit.ly/2ARd02l As we head into 2018, what should we buy into for long-term wealth creation? Value Research CEO Dhirendra Kumar shares his advice on where to park your money! Subscribe To ET Now For Latest Updates On Stocks, Business, Trading | ► https://goo.gl/SEjvK3 Subscribe Now To Our Network Channels :- Times Now : http://goo.gl/U9ibPb The NewsHour Debate : http://goo.gl/LfNgFF To Stay Updated Download the Times Now App :- Android Google Play : https://goo.gl/zJhWjC Apple App Store : https://goo.gl/d7QBQZ Social Media Links :- Twitter - http://goo.gl/hA0vDt Facebook - http://goo.gl/5Lr4mC G+ - http://goo.gl/hYxrmj Website - www.etnownews.com
Views: 88033 ET NOW
Free Online Textbook @ https://businessfinanceessentials.pressbooks.com/ This video introduces the HP10BII and walks through multiple examples of using the 5-key approach to solving basic Time Value of Money Examples. Includes changing periods per year, beginning vs. end of period payments, changing decimals displayed, solving for FV, PMT and rate of return.
Views: 216102 Kevin Bracker
http://yourlifeinsurance411.com Low cost term life insurance. When shopping for life insurance there are several choices to be make, one being the types of life insurance policy that is best for you. Whether it is term or permanent or life insurance you might want Low cost term life insurance policy depends on your needs now and in the future. Find out today about Low cost term life insurance by clicking on http://yourlifeinsurance411.com and request a quote Life insurance because you care Low cost term life insurance http://youtu.be/iwYTAKbw-sE
Views: 25 Be Happy
What is UBI? How would free money change our lives. Kurzgesagt Newsletter: http://eepurl.com/cRUQxz Support us on Patreon so we can make more videos (and get cool stuff in return): https://www.patreon.com/Kurzgesagt?ty=h Kurzgesagt merch: http://bit.ly/1P1hQIH The MUSIC of the video: Soundcloud: http://bit.ly/2BHihcO Bandcamp: http://bit.ly/2AY8lPf Facebook: http://bit.ly/2qW6bY4 A few sources: Cash Transfers and Temptation Goods http://bit.ly/2gfkwsN Debunking the Stereotype of the Lazy Welfare Recipient: Evidence from Cash Transfer Programs Worldwide http://bit.ly/1lFeO5Y The Poverty Trap http://bit.ly/2iCv9cK The short-term impact of unconditional cash transfers to the poor: experimental evidence from Kenya http://bit.ly/2ixSbEn Opinion: Our Broken Economy, in One Simple Chart http://nyti.ms/2vzE1be Modeling the Macroeconomic Effects of a Universal Basic Income http://bit.ly/2xLWUFi On the Economics of a Universal Basic Income http://bit.ly/2BdHoaX What Would Happen If We Just Gave People Money? http://53eig.ht/230Td6X Cash Transfers and Temptation Goods – A Review of Global Evidence http://bit.ly/2cXUTyY Cash transfers: what does the evidence say? A rigorous review of impacts and the role of design and implementation features http://bit.ly/2av62Ya Cash as Capital http://bit.ly/2rGvlgZ THANKS A LOT TO OUR LOVELY PATRONS FOR SUPPORTING US: Kelly-Anne B, Kevin Perot, Ehsan Kia, Larry Peterson, Verteiron, Kristofer Sokk, Lily Lau, Fabian Keller, Hrvoje Stojanović, Chris K, Rebecca Lawson, Jonah Larsen, Tombfyre, Carlos Fuentealba, Logan Spalding, Richard Williams, Sylvain Gibouret, Paul Cowan, François Agier, Tristin, Matthias Monnereau, Qiiii Wang, Hendrik Ewe, Jenny Wang, Steve Root, Erickson Dias, Daniel Dod, Peggy Snow, fxenergy, Stephan Wölcher, Christian Strømnes, Michael, Dave, Anders Mærøe, Peter Sodke, Mathis Rehfeld, Obedient Gamer, Mersija Maglajlic, Christian Kleinferchner, Luke Stowers, Macrieum, Joanna Iwańska, Eli Mahler, Kevin Stamps, K., Mike Danielson, Harethh aljagbir, Panayot Todorov, TechyTF77 , Jacob Hilliard, Paul Flynn, Raymond Carter, Luke Welton, Ryan Kratt, robert oseveno, Hugo Chuang, Seggev Shoresh, Mechanically Cryptic, Niklas Widmann, Moshe Simantov, Sebastian Link, Leezdorfer, Andrei Robu, Karla Brilman, Jason Lopez, n0mir3k, Daniel Mardale Help us caption & translate this video! http://www.youtube.com/timedtext_cs_panel?c=UCsXVk37bltHxD1rDPwtNM8Q&tab=2 Universal Basic Income Explained – Free Money for Everybody? UBI
Views: 4548709 Kurzgesagt – In a Nutshell
http://economicsdetective.com/ The typical first-year student walks into his first economics class with very little idea of what economics is. He might have heard something like, "economics is the study of money", or "economics is another word for accounting", or "economics is hard, don't take that class", but none of those are true. "Economics is the study of the use of scarce resources that have alternative uses." That's the classic definition of economics. Basically, there are people, and people need resources to fulfil their desires. These resources cannot be infinite, but the desires can be, so people need to make choices about how to use their scarce resources. Economists study these choices. All economic questions fall into one of two categories: positive and normative. Positive economics describes "what is" and normative economics argues for what ought to be, so a question like, "why do people use money?" is a positive question and "should people use money?" is a normative question. A general rule of thumb is that if your economic model has no value judgements, it's positive economics, and if it does have value judgements it's normative economics, since to tell someone what he ought to do, you first have to judge what is best for him. Economics is also divided into microeconomics and macroeconomics. Microeconomics studies the behaviour of individual agents and markets, while macroeconomics studies the behaviour of the entire economy. Economists also have their own branch of statistics called "econometrics" that's specialized to analyzing economic data. Since economic data usually comes from the real world, and not from controlled experiments, econometrics faces mathematical challenges that other fields might not. The tools economists have developed to study human behaviour have broad uses outside of what we would traditionally consider economics. Economists study not only markets, but things like crime, war, the family, religion, culture, politics, law, and even genetics. That's why it's not unusual to see papers by psychologists, sociologists, criminologists, political scientists, anthropologists, biologists, neuroscientists, or legal scholars being co-authored by economists.
Views: 755885 The Economics Detective