Search results “Value of time money” for the 2012

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What is future value?
Future value is the value that money today will be worth at some point in the future if invested for a return. For example, we have $100 today, and we invest it for 1 year at 10% interest, then in 1 year the Investment will be worth $110. In other words, the future value of $100 invest for 1 year at 10% is $110. This is because we will still own the original $100 and we also earned 10%, an additional $10. In total our $100 investment will be worth $110 in 1 year. The future value formula is shown below.
What is present value?
Present value is today's value of a future Cash Flow . For example, everyone knows that $100 today is more valuable than $100 in the future, but what about $110, $120 or even $200 in the future. How do we calculate what they are worth today?
To calculate the present value of a future cash flow we would need a few pieces of information. We need to know when to expect the cash flow, the value (future value) of the cash flow, and the Discount rate .
What is the discount rate?
The discount rate is the Opportunity Cost s that you have foregone to receive funds in the future. I know, this may sound confusing but it should eventually click. An easy way to understand the discount rate is to ask yourself this question. What kind of investment returns are available to me? If I had $100,000 today, what would the return be on my investment one year for today? Whatever that rate is would be your opportunity cost and would therefore be your discount rate. (It can be more complicated that this when comparing risk but this is a simplified lesson.)
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Subjectmoney

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KnowledgeVarsity

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29 Team TV

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

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Lisa Dumont

Time value of money
Covers compound interest
Accumulation factors

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TheActuarialGuy

How to find the Future Value when interest is compounded! YES there is a mistake in this video... my apologies, but it doesn't change the fact that this video will show you how to compute Future Value quickly and easily! Here is a link to my math videos organized by topic!
https://sites.google.com/view/nabifroesemathvideos

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Nabifroese

Visit us at www.flay.in
Time Value Of Money forms the crux of FINANCE. Everything in Finance revolves around this concept. This video explains this concept in the simplest possible way. This video also takes you through the concept of inflation.
Enjoy Learning !!!

Views: 1200
Flay Initiative

Time value of money
Part 3 of 3
Core technical 1
Unit 2

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TheActuarialGuy

A basic understanding of compounding and discounting to find the time value of money

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Elroi Academy

This is a video tutorial on how to solve time value of money problems

Views: 400
Debby Bloom-Hill

Interest rate and discount rate, Time Value of Money, CFA Level 1 Tutorial-1
The time value of money is the principle that a certain currency amount of money today has a different buying power (value) than the same currency amount of money in the future. The value of money at a future point of time would take account of interest earned or inflation accrued over a given period of time. This notion exists both because there is an opportunity to earn interest on the money and because inflation will drive prices up, thus changing the "value" of the money. The time value of money is the central concept in finance theory. However, the explanation of the concept typically looks at the impact of interest and assumes, for simplicity, that inflation is neutral. http://www.garguniversity.com Check out Ebook "Mind Math" from Dr. Garg
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Garg University

First in a series on Time Value of Money. This touches briefly on Future Value (FV) and Present Value (PV) to illustrate how to calculate the Net Present Value (NPV) of a very simple and even series of cash flows for a potential project. Note: this focuses on using excel to calculate, and not on the theoretical constructs of TVM (which we'll touch in another video.

Views: 1580
Econo McCall

This video tries to explain the use of mathematical formulas to calculate Future Value of any given amount of Present Value and vice versa.

Views: 2376
FINANCECOTTAGE

Some Applications of Time Value of Money. To read more, please visit our ebook: The Essence of Finance on Amazon.com at http://www.amazon.com/The-Essence-of-Finance-ebook/dp/B005GAAVIU/ref=sr_1_1?ie=UTF8&qid=1329223297&sr=8-1

Views: 746
ConnectEdLD

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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.
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Alanis Business Academy

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: 221655
Kevin Bracker

Distributed by www.coursera.org
Made by University of Michigan

Views: 12058
Daniel Junior

To find the Present value, discounting is applied. The present value interest factor is 1/(1+r)^n. Using MS Excel Data table we shall find out the interest factor values at once.

Views: 9410
Rohit Warman

Learn the secret of how to understand the time value of money.
http://www.business-analysis-made-easy.com/NPV-Calculator.html
http://www.business-analysis-made-easy.com/Calculating-Internal-Rate-Of-Retur...
Time Value of Money (TVM) - Calculate Payments https://youtu.be/zC4tsXkJWL8
Playlist https://www.youtube.com/playlist?list=PLQdusHdlvI7QxCF6zcnG5YSD8PYmALJjV

Views: 520
Daryl & Martha Reavis

The time value of money is the value of money figuring in a given amount of interest earned over a given amount of time. The time value of money is the central concept in finance theory

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shantiswaroop sharma

The first in a series of videos on Time Value of Money
Table of Contents:
00:26 - Learning Outcomes
01:04 - Time Value of Money
01:22 - Consider the Following
03:06 - Consider the Following
04:05 - Components of Time Value of Money Problem
04:47 - How to Answer the Question
05:32 - Present and Future Amounts
06:05 - Present Value versus Future Value
06:56 - Discount or Compound Rate
07:35 - Compounding
08:49 - Discounting
09:54 - Time Line
10:48 - Single Sum Problems
11:25 - Annuity Problems
12:08 - Annuity Problems
12:48 - Concluding Comments

Views: 535
AccountingEducator

Basic for Cost of Capital n Capital Budgeting.

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xd20507

The Time Value of Money Lecture Part 1

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gordonhensley

NPER Function in MS Excel: Let's say you invest $3650.00 at an interest rate of 6.50% p.a. How long will it take your invetment to grow to $5000.00.

Views: 2171
Rohit Warman

Knowledge Varsity (www.KnowledgeVarsity.com) is sharing this video with the audience.
In this video we are solving Time value of money problem related to the concept of Compounded Annual Growth Rate.
Understand the most likely errors that can be made and also learn how to solve such type of problems in the exam.

Views: 6332
KnowledgeVarsity

Creating Future Value Interest Factor Annuity using MS Excel Data table

Views: 3343
Rohit Warman

Demonstrates the concept of future value and shows how to use the FV function in Excel 2010 Follow us on twitter: https://twitter.com/codible
Some good books on Excel and Finance:
Financial Modeling - by Benninga:
http://amzn.to/2tByGQ2
Principles of Finance with Excel - by Benninga:
http://amzn.to/2uaCyo6

Views: 155058
Codible

Creating future value interest factor (FVIF) table : (1+r)^n

Views: 1000
Rohit Warman

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TeluguOne

This presentation focuses on Present Value of An Annuity, distinguishing between ordinary annuity and annuity due.

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AccountingEducator

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Bodhaguru

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: 1282
Econo McCall

http://www.business-analysis-made-easy.com/NPV-Calculator.html
http://www.business-analysis-made-easy.com/Calculating-Internal-Rate-Of-Return.html
This Time Value of Money video show how you can calculate the rate of interest on a loan when you know the other factors.
http://www.business-analysis-made-easy.com/NPV-Calculator.html
http://www.business-analysis-made-easy.com/Calculating-Internal-Rate-Of-Return.htm
Time Value of Money Secrets https://youtu.be/OS_1zfuWM4E

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Daryl & Martha Reavis

2012 CFA LEVEL 1 The Time Value of Money

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CFAVideoLectures

We all know the old adage "Time is Money," but did you know you can put an actual dollar amount on your time? Join Shawn Young creator of The Spending Moments, along with AARP and the AARP Foundation, to discuss Time Value.
Lesson 3 of 3

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AARPCOLORADO

This video introduces uneven cash flow streams and walks through present value of an uneven cash flow stream, solving for the return on an uneven cash flow stream, and future value of an uneven cash flow stream all on the HP10BII financial calculator

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Kevin Bracker

NoteTender.com Tutorial for Time Value of Money tool

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NoteTender

Here is a link to my math videos organized by topic!
https://sites.google.com/view/nabifroesemathvideos

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Nabifroese

An example of the value of an annuity some time after maturity.

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Elroi Academy

Time Value of Money 1: Cont.Compounding- Black Scholes Course
This video is the first of 2 videos on the time value of money. In this video, we look at the time value of money, and we calculate out the lost opportunity of receiving money in the future instead of today.

Views: 373
MomentsInTrading

www.knowledgevarsity.com

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KnowledgeVarsity

A presentation on the time value of money, calculating cash flows and interest rates.
The video covers:
- Nominal versus Effective Interest Rate
- Continuous compounding
- Gradient Series
-Arithmetic/Geometric
Each point is explained and portrayed through examples.

Views: 627
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