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T-Value Chart Best Assists in Evaluating Investments

By Andrew Johnson Subscribe to RSS | June 23rd 2012 | Views:

One of the most basic fundamental laws in finance is the understanding that the more time you allow for your money to grow in your investment, the higher your return. In simple terms, this law states that a dollar is worth more in the future than what it is today. In evaluating investments t-value chart and time value in excel can prove to be a useful tool.

You are foregoing your immediate use of your money in hope that you will cash out (long term and short term) in the future and get something extra for it, by investing your money into a financial vehicle like real estate, bonds stocks. Evaluating investments through t-value chart and time value in excel can be a real boon.

For example, your account will be worth $1050 in a year if you do not touch it, if you were to invest $1000 into a savings account today at the rate of 5% yearly. Essentially, you allowed the bank to borrow your money for other uses therefore you gained this interest and you are paid back within a certain amount of time.

There is also a negative way of looking at the time value of money. Keeping a track through t-value chart and time value in excel can help a lot. Instead of investing $1000 in a financial vehicle, if you were to spend that $1000 today on merchandise then you will have lost money because you will need to pay off all that debt on your credit card with money from the future. That $1000 is going to be worth less than what it is now. T-value chart and time value in excel can prove to be a useful tool in evaluating investments.

When making any type of big purchases always consider the time value of money. Investing might be a smarter decision rather than spending. To better utilize these high-value assets like structured settlements and real estate notes, many avenues exist in today's marketplace for you. One should not treat largest assets as whimsically as an ATM card, as decisions to do so should not be taken lightly. Always consult a diverse range of industry professionals to increase the amount of information and knowledge brought to bear on any decision, whether in business or in your personal life. Risk management is an important part of any decision making process.

Remember the time value of money can be used both for and against you. Just look to which party has the larger incentives and find out which way it is being used. Make use of T-value chart and time value in excel for the same. Remember that the paying company get the maximum benefit from the time value of money therefore that structured settlements are designed. This does not happen or through some amazing act of benevolence driven by concern about your long-term well-being or by accident. It is negotiating and pure market power. The incentive is for them to keep your money as long as possible to maximize their value growth, considering the time value of your settlement. Creating maximum utility is an incentive in and of itself. Whether old-fashioned utility in our personal lives or it is revenue and growth for business, in the end, we all want more.

Andrew Johnson - About Author:
Andrew Johnson is the author of this article. He has worked extensively in developing various software on amortization, time value and loan calculations. Through his articles, he is guiding on how t-value chart, time value calculators and tvalue calculator has made mortgage-related intricate mortgage calculations easy. For more information on time value in excel, you can also visit

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