Podcasts about Time value

In this roundtable conversation, Todd Langford, Denzel Rodriguez, Daniel Rondberg, and Caleb Guilliams walk through every variable — interest rates, compounding, cash flow, risk, flexibility, and even tax deductions for velocity banking. Does this concept actually work to pay off mortgages faster or is it a wash? Check out everyones channel: Todd Langford: https://www.youtube.com/@TruthConcepts Denzel Rodriguez: https://www.youtube.com/@DenzelNapoleonRodriguez Daniel Rondberg: https://www.youtube.com/@DanielRondberg 00:00 Understanding Mortgage Payoff Strategies02:34 The Role of Velocity Banking05:20 Comparing HELOC and Traditional Mortgages07:55 Cash Flow and Interest Rates10:34 Analyzing Interest Savings with HELOC12:30 Income and Expense Management14:46 The Impact of Accelerated Payments17:57 Tax Implications of Mortgage Payments20:24 Final Thoughts on Mortgage Strategies25:20 Understanding Interest Rates and Mortgage Strategies31:32 The Impact of Debt on Financial Decisions35:04 Comparing Payment Strategies: HELOC vs Traditional Payments43:59 Evaluating the Role of Time Value of Money50:43 Entrepreneurial Perspectives on Debt Management58:14 The Emotional Weight of Debt59:15 Understanding Debt vs. Cash Flow01:00:38 The Debate on HELOC vs. Savings01:02:28 Velocity Banking Explained01:04:46 Cultural Perspectives on Debt01:06:37 The Role of Emotion in Financial Decisions01:08:31 Comparative Rates and Financial Strategies01:11:19 Risk-Adjusted Returns and Financial Planning01:14:01 The Importance of Rate in Financial Decisions01:18:22 Final Thoughts on Financial StrategiesDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In this episode of Trending Fantasy, John and Mitch take a look at the time value of assets and how it ties into dynasty fantasy football. We also discuss making trades that align with your competitive window, roster balance, discounting future rookie picks, and more! Don't forget to drop topic suggestions in the comments that YOU would like for us to discuss. Learn how to navigate throughout the offseason and gain actionable insights to dominate your fantasy football leagues.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3151: Stephen Popick unpacks the often-misunderstood concept of the time value of money, showing why recurring expenses like cable TV aren't as costly in today's dollars as they appear over decades. By factoring in inflation, investment returns, and personal opportunity costs, he makes a compelling case for thoughtful financial planning that balances present needs with future goals. Read along with the original article(s) here: https://www.getrichslowly.org/the-time-value-of-money-or-why-25-years-of-cable-tv-doesnt-cost-as-much-as-you-think/ Quotes to ponder: "The time value of money is a complex term for a simple concept: Any given amount of money is worth more today than the same amount in the future." "Your personal time value of money is very tough to measure on a personal level." "Would I rather have $30,000 today or cable television for the next 25 years? There's no one right answer." Episode references: Good Debt, Bad Debt: https://www.amazon.com/Good-Debt-Bad-Invest-Smarter/dp/1591840260 The Automatic Millionaire: https://www.amazon.com/Automatic-Millionaire-Powerful-Immediately/dp/0767923820 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3151: Stephen Popick unpacks the often-misunderstood concept of the time value of money, showing why recurring expenses like cable TV aren't as costly in today's dollars as they appear over decades. By factoring in inflation, investment returns, and personal opportunity costs, he makes a compelling case for thoughtful financial planning that balances present needs with future goals. Read along with the original article(s) here: https://www.getrichslowly.org/the-time-value-of-money-or-why-25-years-of-cable-tv-doesnt-cost-as-much-as-you-think/ Quotes to ponder: "The time value of money is a complex term for a simple concept: Any given amount of money is worth more today than the same amount in the future." "Your personal time value of money is very tough to measure on a personal level." "Would I rather have $30,000 today or cable television for the next 25 years? There's no one right answer." Episode references: Good Debt, Bad Debt: https://www.amazon.com/Good-Debt-Bad-Invest-Smarter/dp/1591840260 The Automatic Millionaire: https://www.amazon.com/Automatic-Millionaire-Powerful-Immediately/dp/0767923820 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3151: Stephen Popick unpacks the often-misunderstood concept of the time value of money, showing why recurring expenses like cable TV aren't as costly in today's dollars as they appear over decades. By factoring in inflation, investment returns, and personal opportunity costs, he makes a compelling case for thoughtful financial planning that balances present needs with future goals. Read along with the original article(s) here: https://www.getrichslowly.org/the-time-value-of-money-or-why-25-years-of-cable-tv-doesnt-cost-as-much-as-you-think/ Quotes to ponder: "The time value of money is a complex term for a simple concept: Any given amount of money is worth more today than the same amount in the future." "Your personal time value of money is very tough to measure on a personal level." "Would I rather have $30,000 today or cable television for the next 25 years? There's no one right answer." Episode references: Good Debt, Bad Debt: https://www.amazon.com/Good-Debt-Bad-Invest-Smarter/dp/1591840260 The Automatic Millionaire: https://www.amazon.com/Automatic-Millionaire-Powerful-Immediately/dp/0767923820 Learn more about your ad choices. Visit megaphone.fm/adchoices

Unlock real sales success with Michael J. MacDonald as he breaks down the essentials of selling with conviction, valuing your time, and building credibility. This episode is packed with practical advice for anyone serious about elevating their sales game.Why conviction matters more than certainty in salesHow valuing your time boosts both effectiveness and closing ratesSimple strategies to build and grow your contact listThe secret to giving value up front (and getting credibility in return)Why showing your results is key to winning trust and driving more salesSupport this podcast at — https://redcircle.com/michael-j-macdonald-podcast/exclusive-contentAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Part 1 Die with Zero by Bill Perkins Summary"Die with Zero: Getting All You Can from Your Money and Your Life" by Bill Perkins presents a thought-provoking perspective on how to approach money and life. The book encourages readers to rethink traditional views on saving, spending, and the purpose of money. Perkins introduces a philosophy that prioritizes maximizing life experiences rather than hoarding wealth for the sake of leaving a legacy. Here are some key points from the book:Optimal Spending: Perkins urges readers to spend their money in a way that creates the most fulfilling life experiences, rather than saving excessively for the future. He suggests calculating a spending plan that aligns with critical life experiences you want to have.Time Value of Experiences: The idea that experiences are best at certain ages and phases of life is central to Perkins' argument. He emphasizes that certain life experiences, such as travel or adventures, are more valuable when done at specific ages. This means planning your spending to align with the right timing for those experiences.The Zero Balance Concept: Perkins advocates for the idea of dying with zero money in the bank. While not literally advocating for financial irresponsibility, he argues for a thoughtful distribution of wealth throughout one's life, enjoying it while still living.Investing in Memories: The cost of experiences can be considered an investment in memories, which Perkins views as far more rewarding than accumulating financial assets. He encourages planning significant experiences strategically throughout life.Life Expectancy Planning: The book emphasizes the importance of understanding your life expectancy and planning how to use your time and money effectively, allowing for a personalized approach to spending and saving.Health and Wealth Interplay: Perkins discusses the relationship between health and wealth, explaining that as people age, their ability to enjoy certain experiences declines due to health issues. He argues that it's prudent to spend money on experiences while you are still able to enjoy them fully.Legacy and Impact: Instead of leaving behind large sums for heirs, Perkins suggests considering how you can create a lasting impact while you are still alive, including gifting funds for specific experiences to loved ones.The overarching message of "Die with Zero" is about the conscious use of money to gain the most valuable experiences in life, ultimately leading to a more fulfilling existence. The book challenges readers to shift their mindset from accumulation to intentional living.Part 2 Die with Zero AuthorBill Perkins is an American author, entrepreneur, and hedge fund manager known for his thought-provoking views on personal finance and maximizing life experiences. He released the book "Die with Zero: Getting All You Can from Your Money and Your Life" in March 2020. This book challenges traditional financial advice by emphasizing the importance of spending money on experiences rather than saving it for the future, promoting the idea of optimizing life and financial resources in the present.In addition to "Die with Zero," Bill Perkins has also contributed insights through other platforms but has not authored other widely known books. He often shares his views through various media and talks, focusing on living life fully rather than simply accumulating wealth.As for the best edition of "Die with Zero," the original hardback edition released in 2020 is generally considered the core version of the book. Since its release, it has also been made available in several formats including audiobook and paperback. Readers often recommend the original because it captures Perkins' philosophies and strategies on maximizing life experiences without the constraints of traditional financial thinking.Part 3 Die with Zero ChaptersThe overall theme of

True financial independence isn't just about money—it's about owning your time. In this episode, we break down how to value time (both today and in the future), the impact of the Time Value of Money, and how investing wisely can buy you years of financial freedom at a massive discount. Learn how a 25% savings rate can transform your financial future while still allowing you to enjoy life today. Don't wait—start buying back your time now! Learn more about your ad choices. Visit megaphone.fm/adchoices

Time Value of Money Business Finance, FIL 240-002, Spring 2025, Lecture 8 Type: mp3 audio file ©2025

Time Value of Money Business Finance, FIL 240-001, Spring 2025, Lecture 8 Type: mp3 audio file ©2025

Key Takeaways: Time Value of Money: Understanding this concept helps make smarter investment choices in personal and business finances. Holistic Investment Evaluation: Combine numbers with factors like team readiness and customer impact for better decision-making. Review Financial Statements: Regular analysis supports seizing opportunities, such as adopting AI, and improves decisions. Practice Patience: Focus on long-term financial gains rather than quick profits to stand out as an investor. Organized Financials Matter: Clear records enable accurate investment evaluations and effective growth planning. Chapters: Timestamp Summary 0:00 Exploring the Time Value of Money in Wealth Building 1:27 The Art of Patience in AI Investment Decisions 4:21 Leveraging AI and Time Value of Money in Business 7:22 The Importance of Reviewing Financials Monthly for Investment Decisions 7:57 Business Insights and Financial Strategies for Entrepreneurs   Powered by ReiffMartin CPA and Stone Hill Wealth Management   Social Media Handles    Follow Phillip Washington, Jr. on Instagram (@askphillip)   Subscribe to Wealth Building Made Simple newsletter https://www.wealthbuildingmadesimple.us/   Ready to turn your investing dreams into reality? Our "Wealth Building Made Simple" premium newsletter is your secret weapon. We break down investing in a way that's easy to understand, even if you're just starting out. Learn the tricks the wealthy use, discover exciting opportunities, and start building the future YOU want. Sign up now, and let's make those dreams happen!   WBMS Premium Subscription   Phillip Washington, Jr. is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

In this Under the Hood episode, Brian and Hans demystify the concept of cash value in whole life insurance, revealing how it fundamentally differs from conventional banking accounts. Rather than being a simple savings vehicle, cash value represents a contractually guaranteed future payment that grows stronger with time - a crucial distinction in an era of financial uncertainty. Starting with a very timely example of the danger of dealing with and depending on the government, they highlight why traditional financial systems may not provide the security many believe they do. Through their conversation, they share personal experiences demonstrating how building capital outside traditional systems has allowed them to make confident financial decisions even when faced with systemic challenges, offering practical insights for listeners seeking to protect their wealth and create lasting financial security. Understanding Cash Value: An exploration of the often misunderstood concept of cash value in whole life insurance, explaining how it represents the net present value of future guaranteed payments and differs from traditional banking accounts. Time as the Growth Engine: A detailed look at how the passage of time, rather than market performance, drives cash value growth in whole life insurance policies. This unique characteristic makes it a powerful tool for long-term wealth building. Policy Loans and Financial Freedom: Discussion of how understanding cash value enables strategic use of policy loans, providing financial flexibility without the constraints of traditional lending. ▶️ Chapters:  00:00 - Government Overreach and Personal Rights 11:00 - Credit Score Impact and System Independence 21:00 - Explaining Cash Value Through Examples 31:00 - Time Value and Guaranteed Payouts 41:00 - Policy Loans and Financial Decision Making  51:00 - Building Generational Wealth 01:01:00 - Final Thoughts on Financial Independence Got Questions? Reach out to us at info@remnantfinance.com or book a call here! ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance  Don't forget to hit LIKE and SUBSCRIBE

In this special episode of Book Overflow, Kent Beck joins Carter and Nathan to discuss his book Tidy First? Join them as Kent reflects on the artistry of programming design, the importance of optionality, and how the Time Value of Money applies to software engineering! -- Books Mentioned in this Episode -- Note: As an Amazon Associate, we earn from qualifying purchases. ---------------------------------------------------------- Tidy First? https://amzn.to/4atHiKa (Paid Link) ---------------- Spotify: https://open.spotify.com/show/5kj6DLCEWR5nHShlSYJI5L Apple Podcasts: https://podcasts.apple.com/us/podcast/book-overflow/id1745257325 X: https://x.com/bookoverflowpod Carter on X: https://x.com/cartermorgan Nathan's Functionally Imperative: www.functionallyimperative.com ---------------- Book Overflow is a podcast for software engineers, by software engineers dedicated to improving our craft by reading the best technical books in the world. Join Carter Morgan and Nathan Toups as they read and discuss a new technical book each week! The full book schedule and links to every major podcast player can be found at https://www.bookoverflow.io

Watch and chat LIVE on Youtube, Rumble, Rokfin, Twitter and Instagram Tuesdays and Thursdays at 2:00PM PST/ 5:00PM EST! Support: Substack: https://substack.com/@monicaperezshow True Hemp Science https://truehempscience.com/ PROMO CODE: MONICA Become a PREMIUM SUBSCRIBER on Apple Podcasts for AD FREE episodes! all for the cost of one newspaper a month-- i read the news so you dont have to! Find, Follow, Subscribe & Rate on your favorite podcasting platform AND for video and social & more... https://monicaperezshow.com/ Rokfin: https://rokfin.com/monicaperez Rumble: https://rumble.com/user/monicaperezshow YouTube: https://www.youtube.com/c/MonicaPerez Twitter/X: @monicaperezshow Instagram: @monicaperezshow For full show notes visit: https://monicaperezshow.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Watch and chat LIVE on Youtube, Rumble, Rokfin, Twitter and Instagram Tuesdays and Thursdays at 2:00PM PST/ 5:00PM EST! Support: Substack: https://substack.com/@monicaperezshow True Hemp Science https://truehempscience.com/ PROMO CODE: MONICA Become a PREMIUM SUBSCRIBER on Apple Podcasts for AD FREE episodes! all for the cost of one newspaper a month-- i read the news so you dont have to! Find, Follow, Subscribe & Rate on your favorite podcasting platform AND for video and social & more... https://monicaperezshow.com/ Rokfin: https://rokfin.com/monicaperez Rumble: https://rumble.com/user/monicaperezshow YouTube: https://www.youtube.com/c/MonicaPerez Twitter/X: @monicaperezshow Instagram: @monicaperezshow For full show notes visit: https://monicaperezshow.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover how proximity is transforming the way businesses create value in real time! In this insightful episode, we sit down with Rob Wolcott, author of Proximity, to explore how digital technologies are moving us towards a future where products, services, and experiences are tailored to your exact needs—right when you need them.Rob shares fascinating stories from industries already benefiting from proximity and offers a vision for the future of leadership, business strategy, and innovation in this fast-evolving space. Get ready for a deep dive into the proximity revolution and how it's reshaping the way we work, live, and lead!----------------------------------------------------------------------------------------------------JOIN THE MOVEMENT:GLLG Company Website: https://www.glennllopis.com/Age Of Personalization Website: https://ageofpersonalization.com/Contact Us: https://www.glennllopis.com/contact-us/Email Us: sandy@glennllopisgroup.comFOLLOW GLENN LLOPIS:LinkedIn: https://bit.ly/3tnBmP9Instagram: https://bit.ly/3fcziRVFacebook: https://bit.ly/33sCg1KTwitter: https://bit.ly/3HVT14B

Time Value of Money Business Finance, FIL 240-001, Spring 2024, Lecture 8 Type: mp3 audio file ©2024

Time Value of Money Business Finance, FIL 240-002, Spring 2024, Lecture 8 Type: mp3 audio file ©2024

The labor market continues to soften The Job Openings and Labor Turnover Survey (JOLTs) showed job openings continued to fall across the country in the month of July. It was reported that available positions fell to 7.67 million in the month, which 237,000 lower than June's downwardly revised number and well below the estimate of 8.1 million. While this marked the lowest level since January 2021, there were still close to 1.1 job openings per available worker. I do believe we still have some room left for normalization before these declines in job openings becomes problematic. This news also caused the relationship between the 10- and 2-year Treasury yield to uninvert for the first time since June 2022. Generally long-term rates are higher than short term rates and I believe we will see the yield curve continue to steepen as the Fed cuts rates. While the curve usually reverts before a recession hits, I still believe we aren't heading towards a problematic recession in the coming months. The labor market is definitely slowing Nonfarm payrolls increased by 142,000 in the month of August, which was up from 89,000 in July, but below the estimate of 161,000. Both June and July also saw downward revisions, which totaled a substantial 86,000. Leisure and hospitality (+46K), healthcare and social assistance (+44.1K), construction (+34K), and government (+24K) led the way for job gains in the month. Manufacturing (-24K), retail trade (-11.1K), information (-7K), and utilities (-200) all subtracted jobs from the headline number. I was also surprised to see professional and business services only create 8K jobs in the month and I believe that is a good indicator that the economy is definitely in a slowdown. While the numbers don't look great, I still believe there is no cause for major concern at this point. With an unemployment rate of 4.2% and the major gains we saw coming out of Covid, it was unlikely we'd see that type of labor market continue. I still believe it's possible we see a soft landing, but in that scenario, you wouldn't see major payroll gains every month and the prints would likely be more muted and even softer than the readings we have seen the last few months. My expectation is for the Fed to cut rates by 0.25% at the September meeting followed by cuts of 0.25% at both the November and December meetings. The economy is getting back to normal It may feel like the economy is weak, but I believe that is because we are comparing it to an excessive economy that had too much money floating around and people spending it pretty much on anything they wanted while not caring about how much they paid. Now that extra cash is gone and we're back to normal. That might feel uncomfortable for some people as they now can't spend so easily on things like luxury items. Proof of this can be seen in the used luxury watch market which was very hot, but has now seen prices fall over the last 9 quarters because the demand is gone. I don't care if you're buying stocks, homes, or luxury items, if you overpay during the hype, you'll probably end up losing money down the road. I believe it's always best to buy things on sale, even if that means being patient for a few years. There's a lot of talk about company's price gouging, but the numbers tell a different story! There is no doubt that with inflation, prices for many items have increased over the last five years. But are businesses taking advantage of these higher prices to increase their profit margins? Looking at just the companies in the S&P 500, the average price markup between the selling price and the cost is 54%. That compares to 51% five years ago. According to research from financial company Bloomberg, they say the grocery business markup is actually down from five years ago and when looking at the average profit margins for grocery stores, it is now 0.3% lower than five years ago. You may not like the information because we want to blame somebody for paying higher prices, but based on these numbers companies are not price gouging. We do believe every business has a right to make a decent profit for being in business, but the free market and competition should eliminate price gauging and keep the market balanced. How the Time Value of Money Impacts Roth Conversions When you do a Roth conversion, the amount you convert into a Roth account is taxable when you do it. First, this means you are paying taxes now that you didn't need to.  Second, the question people have is, “If I don't pay that tax now and instead got to keep those dollars invested, what would that grow to and does that offset the benefit of doing the conversion?”  In other words, is having extra tax-free money in the future worth paying taxes now when considering the time value of money? Time value of money is the concept that dollars today are more valuable than dollars in the future because dollars today may be invested and grow over time while dollars in the future are worth less due to inflation.  This is an extremely important concept and needs to be considered when making almost all financial decisions from Social Security to paying debt to investing in general. However, when it comes to Roth conversions this should not be considered.  For example, let's consider someone making a $50,000 Roth conversion who is in the 20% bracket and will be for the rest of their life.  On that conversion they will owe $10,000 in taxes (20%) meaning the remaining $40,000 makes it into the Roth account.  Money in a pre-tax account and a Roth may be invested exactly the same so we'll assume an 8% compounded return.  After 10 years, the $40,000 in the Roth grows to $86,357, which is all tax free.  The question though is what would that $10,000 have grown to if it didn't have to be paid 10 years prior?  Well, if no conversion was done, all $50,000 would have remained in a pre-tax account growing at the same 8%, so after 10 years it would be worth $107,946.25, obviously more than the $86,357 in a Roth.  However, that $107k has not yet been taxed so if accessing it still costs the same 20% tax that would be $21,589.25, meaning the after-tax amount is… $86,357 or the exact same as we would have in the Roth.  What this means from a time value of money perspective is, since pre-tax and Roth accounts may have identical investments and returns, the present value of the tax on the conversion is the same as the future value of the tax if there is no conversion, assuming the tax rate is the same. In our example the future value of $10,000 is $21,589.25 assuming an 8% return over 10 years, which is true. Therefore, when considering a Roth conversion, it is not the time value of money that is relevant, but the tax rate during the conversion compared to the tax rate in the future.  In our example we assumed a consistent 20% tax rate which is not realistic.  Over time income levels and sources change as well as the tax rates themselves.  If Roth conversions are performed when the individual tax rate is lower than it will be when pre-tax retirement withdrawals are being taken, the conversion is helpful. For instance, if we think our retirement tax rate will be more than 20%, a conversion should be done now if it is 20%.   Companies Discussed: DraftKings Inc. (DKNG), Dollar General Corporation (DG) & Dell Technologies (DELL)

Post: https://erickimphotography.com/blog/2024/09/02/the-philosophy-of-time-3/ Audio: https://erickimphotography.com/blog/wp-content/uploads/2024/09/RANDOM-THOUGHTS.m4a ### The Philosophy of Time - **Value of Life:** Prize your life; this is the only life you have. - **Economics and Philosophy of Time:** Time is the ultimate capital and non-renewable resource. ### The Death of Film - **Time Scarcity:** Time becomes extremely scarce, especially when you have a child. - **Digital over Film:** With kids, efficiency becomes paramount; switch to digital. ### True Success - **Self-Ownership:** True success is owning your time, not letting others control your schedule. - **Avoid Contracts:** Be wary of signing away your freedom, as exemplified by musicians like Taylor Swift and Kendrick Lamar. ### Respect and Social Capital - **Respect in Culture:** Material desires are less important than earning respect, which is often lacking in the West. - **Respect Everyone:** Treat everyone with respect, regardless of their social status. - **Networking is Overrated:** Personal endeavors, driven by passion, are more valuable than traditional networking. ### Curiosity and Growth - **Curiosity as a Driver:** Curiosity fuels growth and should guide your endeavors. - **Strength Exploration:** Personal quests, like lifting 1,000 pounds, are driven by curiosity about one's limits. ### Memento Mori - **Awareness of Mortality:** Reflect on life and death to prioritize what truly matters. - **Family Time:** Time with loved ones, especially as they age, becomes increasingly precious. ### Freedom from Distractions - **Mental Freedom:** Avoid distractions like social media and unnecessary emails to maintain focus. - **Dodge Negativity:** Proactively avoid situations or communications that can drain your energy or distract you. ### Life with a Child - **Prioritize Family:** After becoming a parent, focus shifts to spending meaningful time with your child. - **Limitations of Time:** Recognize the finite nature of time and make deliberate choices on how to spend it. ### Conclusion - **Time is Precious:** Protect your time, as it is the most valuable resource you have.

Making some plans and deciding to take certain steps in advance to make your life easier in the future isn't "waterfall" and now any sort of planning is over-engineering. In fact, I find that most startups are lacking in the planning department. This week's episode is about considering the time-value of work so you do it when it will provide the biggest ROI.New: 2024 Leadership Livestream Package!Grab a copy of my books, Capitalizing Your Technology and  The Tech Executive Operating System.Subscribe to the best newsletter for tech executives.For any questions or comments, reach out to me directly: aviv@avivbenyosef.com      

Send us a Text Message.Are you leveraging every financial advantage in your self-storage business?  In this episode, Scott Meyers, the original SELF-STORAGE EXPERT, welcomes back Sean Graham to discuss the benefits of cost segregation for real estate investors, particularly those in the self-storage sector.  Sean, a CPA with extensive experience in real estate and cost segregation, explains how this strategy can significantly accelerate depreciation, providing substantial tax benefits by front-loading expenses.  They cover the financial implications, the potential savings, and the practical application of cost segregation studies, emphasizing the value of understanding and utilizing these financial tools.  The conversation also touches on the efficiency of using virtual assistants for property management and other business operations, highlighting the cost-effective solutions available for real estate professionals. WHAT TO LISTEN FOR02:36 - Benefits of Cost Segregation for Self-Storage Owners07:31 - Detailed engineering studies18:10 - Time Value of Money and Inflation24:45 - Property Management with Virtual Assistants Leave a rating for this podcast with one click Sean GrahamLinkedIn | Maven Cost Segregation | Maven Cost Seg. Email | Maven Success  Get the discount Sean mentionedCONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | InstagramFollow so you never miss a NEW episode! Leave us an honest rating and review on Apple or Spotify.

In this episode, Evan Fein, CFO of TextNow and Global Chairman of The F Suite, a professional group for CFOs, joins CJ for a deep dive into the complexities of being acquired. Evan introduces listeners to his company TextNow, and how it remains free while making money. He also covers important metrics for CFOs in telecom such as Average Revenue Per User and the importance of considering the time value of money. While we often hear from people on the buying side of M&A, Evan then sheds light on what it's like being the CFO of a business that is being acquired, discussing the different types of acquisitions and how the due diligence process differs. He shares insights on continuing to run a company while managing due diligence and key lessons learned. Evan also offers advice on managing board expectations, sharing customer data, handling bad news, communicating with CEOs and investment bankers, when to include optimism, and generally mastering the art of being acquired while simultaneously also often working yourself out of a job.If you're looking for an ERP head to NetSuite: https://netsuite.com/metrics and get a customized KPI checklist.—SPONSORS:Maxio is the only billing and financial operations platform that was purpose built for B2B SaaS. They're helping SaaS finance teams automate billing and revenue recognition, manage collections and payments, and put together investor grade reporting packages.

Want a Life Insurance Policy? Go Here: https://www.betterwealth.com/clickhere-life-insuranceWant FREE Whole Life Insurance Education? Go Here: https://bttr.ly/vault Watch Part 2: https://youtu.be/S7z_GjXEzjQWalking through the maximum potential calculator from Truth Concepts, with founder and CEO, Todd Langford. We show mathematically the importance of understanding opportunity cost, time value of money, and maximizing your savings over a lifetime. This calculator can change your whole approach to building wealth.______________________________________________ ✉️ Email BetterWealth: https://bttr.ly/infoWEBSITE: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In this episode Marco, Frank and Gabe discussed the importance of understanding the difference between cost and price in real estate investing, and the need to factor in all costs, including materials and labor, to avoid unexpected expenses. They also emphasized the importance of proper tax planning and structuring for cross-border businesses, and seeking professional advice before making any changes to entity structuring. They agreed that making informed decisions and aligning oneself with the right experts is crucial for success in real estate investing and cross-border businesses. CONNECT WITH US Email: marco@marcokozlowski.com Website: https://marcokozlowski.com Facebook: https://www.facebook.com/realmarcokozlowski/ Instagram: https://www.instagram.com/marco.kozlow  

The time value of money, or TVM, is a fundamental concept that affects your financial planning and investment success. In this episode, we review the time value of money, why it matters, and how to calculate your investment returns.

Polly defines the time value of money in this information packed episode! 

Rhomas Men's Team podcast here. As always, if you resonate with our content, please follow, like, share, comment, and support our channel: https://www.rhomas.com/ Today, let's delve into the thought-provoking concept of "What's Your Time Value." Time is perhaps our most precious resource, yet often undervalued or mismanaged. In this session, we'll explore the significance of understanding the value of your time and how it relates to your priorities, goals, and overall well-being. We'll discuss practical strategies for assessing the value of your time, including prioritization techniques, time-blocking methods, and delegating tasks effectively. By gaining clarity on the worth of your time, you can make intentional choices that align with your values and lead to a more fulfilling life. Join us as we uncover the hidden currency of time and empower you to invest it wisely in pursuits that matter most to you. #TimeManagement #Productivity #Prioritization #LifeBalance #Rhomas

Join our habit coach Ashdin Doctor as he reveals the eye-opening truth about how we perceive and misuse time, and learn practical strategies to reclaim its value in your life. Don't miss this thought-provoking journey towards a richer mindset and a more fulfilling life. Tune in now and start redefining your relationship with time. You can catch the awesome clips on  The Habit Coach-Awesome 180 on the YouTube channel.You can also check out Ashdin's Linktree Page here: (https://linktr.ee/awesome180) You can follow Ashdin Doctor on Twitter | Linkedin | Instagram | FacebookCheck out the Awesome180 website: (http://awesome180.com/) Find the show across audio streaming apps:Spotify | Apple Podcasts | Google Podcasts | JioSaavn |  Amazon Music Do follow IVM Podcasts on social media.We are @ivmpodcasts on Facebook, Twitter, & Instagram.   See omnystudio.com/listener for privacy information.

  Derek Moore is back with Jay Pestrichelli, CEO of ZEGA Financial this week to discuss the Jay Powell Fed decision and the latest in employment and inflation. Then, they do a deep dive into dividend reinvestment. Specifically, analyzing the idea of acquiring more shares and can dividends reduce or eventually pay down your initial cost? They then do a deep dive into how the time premium works on options.   Lowest year over year wages since 2021 Unemployment ticks up. High dividend stocks and dividend reinvestment deep dive Acquiring more shares through dividend reinvestment Compounding dividends through dividend reinvestment and increasing share count. What is shareholder yield? What is buyback yield vs dividend yield? Fed higher for longer is now consensus. What is time value of an option Looking at option premium and time value through the market maker lens Exploring the SPX 6000 Call option expiring Dec 31st, 2024, premium and time value How options are priced How market makers taking the other side of customer orders have to hedge their positions Components of unemployment report labor force size vs employed and unemployed Selling option premium to create high dividends       Mentioned in this Episode   Is it 1994 All Over Again? https://podcasts.apple.com/us/podcast/1994-95-all-over-again-in-markets/id1432836154?i=1000590865306   Now Its 1 Fed Rate Cut? | Nvidia Options Volatility Implied Move at Earnings | Sell in May and Go Away in Election Years? | Inflation Higher Than 1970s? https://podcasts.apple.com/us/podcast/now-its-1-fed-rate-cut-nvidia-options-volatility-implied/id1432836154?i=1000653836218     Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT   Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt Derek's new book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag     Contact Derek derek.moore@zegafinancial.com   www.zegafinancial.com

May 2nd

The most important carbon to reduce is the carbon in the atmosphere now. Veronica Bradley, Clean Fuels Director of Environmental Science, discusses climate change and the role of renewable energy technologies with Dr. Jenny Frank, NORA consultant and Assistant Professor at SUNY Morrisville.For more information, visit Clean Fuels Alliance America. To suggest topics or guests for a future episode, email us at podcasts@CleanFuels.org.

Time Value of Money Business Finance, FIL 240-002, Spring 2024, Lecture 7 Type: mp3 audio file ©2024

Time Value of Money Business Finance, FIL 240-001, Spring 2024, Lecture 7 Type: mp3 audio file ©2024

Time Value of Money Business Finance, FIL 190-003, Spring 2024, Lecture 8 Type: mp3 audio file ©2024

This episode is a compilation of answers to YOUR questions that were asked directly from my listeners who attend my weekly business education YouTube live webcast. Topics covered include: How to Value a Company Using the Three Financial Statements, What is the best way to learn English, Explaining the Time Value of Money Theory (TVM) and more.  Refer to chapter marks for a complete list of topics covered and to jump to a specific section. Download my free "Networking eBook": www.harouneducation.comAttend my weekly YouTube Live every Thursday's 8am-11am PT. Subscribe to my YouTube Channel to receive notifications. Learn more about my MBA Degree ProgramConnect with me: YouTube: ChrisHarounVenturesCompleteBusinessEducationInstagram @chrisharounLinkedIn: Chris HarounTwitter: @chris_harounFacebook: Haroun Education Ventures  TikTok: @chrisharoun

Amidst sweeping blizzards, BG and Jon brave the cold to share insights on The Concrete Podcast. They delve into the value of time — how much you're willing to sell it for to clients — and the art of reviving concrete countertops, despite the challenges posed by the original sealer. In the icy embrace of winter, they share insights that cut through the frost. C.D.S., renowned for its advanced training, is now addressing the demand for a beginner's class. With over two decades of hands-on experience as skilled concrete artisans, crafting exquisite countertops and sinks, our highly qualified instructors are set to lead a comprehensive 1.5-day workshop. Participants will acquire expertise in templating, form building, precise concrete mix calculations, tool utilization, batch mixing techniques, casting methods, curing methods, de-molding, blemish correction, concrete sealing, and installation proficiency through insightful discussions. This workshop serves as the ideal entry point for those embarking on their concrete journey, emphasizing the importance of a strong foundation. Investing in this training is a crucial step toward a promising future in the concrete industry, guided by seasoned concrete experts. Join us for this invaluable learning experience! February 10-11, 2024, Goddard, Kansas, USA Register: http://www.concretedesignschool.com/our-fundamental-concrete-workshop For the highest quality concrete mix and sealer for concrete artisans, designed and made by concrete artisans: https://www.kodiakpro.com Want to continue the conversation? First things first, LIKE us on Facebook www.facebook.com/kodiakpromaterials to receive notifications on new products, tutorials, and events. Then join the private Kodiak Pro Discussion Group to ask questions pertaining to concrete countertops, sinks, and furniture, and/or Kodiak Pro products www.facebook.com/groups/kodiakpro  Follow us on Instagram: 
Concrete Podcast www.instagram.com/concretepodcast
Kodiak Pro www.instagram.com/kodiak_pro #ConcreteCraftsmanship #TimeValue #CountertopRefinement #ColdWeatherPodcast #CraftingConcrete #PodcastInsights #ConcreteRevival #DIYConcrete #ArtOfCraftsmanship #CraftConcrete

David interviews Blair about his recent article in which he takes a lesson from investing with compound interest to understand the increasing returns we can receive from our relentless pursuit of knowledge over time.   Links “The Time Value of Knowledge” article on WinWithoutPitching.com

Explore a major league baseball player's financial realities, navigating wealth management challenges. Examine the strategies between yearly investments and lump-sum payments, emphasizing the role of numerical insights in decision-making. Grasp the significance of basing decisions on a mathematical perspective for sustained financial success.   WHAT YOU'LL LEARN FROM THIS EPISODE  The financial truth about being a major baseball league player Potential risks of agreeing to lump sum contracts Time value of money: Yearly investments vs. lump-sum payments Why it's important to make decisions based on numbers   RESOURCE/LINK MENTIONED  Shohei Ohtani   CONNECT WITH US  Email: shawn@greenbriarcg.com    Instagram: Shawn Winslow  YouTube: Shawn Winslow LinkedIn: Shawn Winslow Facebook: Shawn Winslow

Who says you have to wait till New Year's to make shifts that can be super rewarding? You have 30 more days in 2023 to take massive action! To get fit, to make smart investments, to save $$$ in taxes… If you're wondering what tax savings moves you could make between now and New Year's to: Legally Keep more of your money in your pockets (Because 1$ saved = 2$ earned) So you can invest it and let it grow (take advantage of the Time Value of Money) Join me as I deep dive into 5 strategies you can still take advantage of before the end of the year to reduce your 2023 tax burden. —

Our guest today is Natalie Roman! Natalie brings a wealth of knowledge & expertise to the table. We pull back the curtain on juggling a work life balance to show how important it is to recharge so you can delver your best self.

Before getting to your questions, Ross and Dan stop to see who can win the most money with a biased coin. Play the simulator for yourself here.Email questions for upcoming shows to checkyourbalances@outlook.comCheck out this episode on YouTubeFollow us on IG.

Passive Investor Tips is a weekly series hosted by full-time passive investor and Best Ever Show host, Travis Watts. In each bite-sized episode, Travis breaks down passive investor topics, simplifying the philosophy and mindset while providing tactical, valuable information on how to be a passive investor. What are you doing with your time, and what is your time worth? It's easy enough to answer the first question, but more challenging to answer the second. In this episode, Travis walks through the three step process to calculate your time value and shares how passive income can help you maximize your time to elevate your lifestyle.   Click here to learn more about our sponsors: Delete Me BAM Capital

The time value of money states that the money you have today is worth more than the money you'll have at a future date. The two main reasons why are your potential earning capacity and inflation. It's why people make investments instead of letting their money sit in their checking accounts. It's why Mad Men's Peggy Olson didn't balk when she was offered $19,000 per year in 1970 (the equivalent of about $149,500 today).  As a real estate investor, understanding the time value of money is critical because it'll help you make informed financial decisions that will impact the profitability of your investments. To help you make these decisions, let's explore the time value of money, including how it works, how future values, present values, and compounding periods fit into the equation, and include some real-life investing examples to show you how to make your money work for you over time. Learn more about your ad choices. Visit megaphone.fm/adchoices

The time value of money states that the money you have today is worth more than the money you'll have at a future date. The two main reasons why are your potential earning capacity and inflation. It's why people make investments instead of letting their money sit in their checking accounts. It's why Mad Men's Peggy Olson didn't balk when she was offered $19,000 per year in 1970 (the equivalent of about $149,500 today).  As a real estate investor, understanding the time value of money is critical because it'll help you make informed financial decisions that will impact the profitability of your investments. To help you make these decisions, let's explore the time value of money, including how it works, how future values, present values, and compounding periods fit into the equation, and include some real-life investing examples to show you how to make your money work for you over time. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Jake and Gino break down the five key steps to building wealth. From owning a business to investing in real estate, Jake and Gino share their expert advice on how to control and wisely use your money to continuously build more wealth, avoiding frivolous and risky investments. They also discuss the Time Value of Money (TVM). Imagine money having a bit of an ego, always wanting to be the center of attention! It's the cheeky notion that a wad of cash in your hands today is worth more than the same wad of cash arriving at your doorstep in the future. Why? Because like a party animal, money loves to mingle and multiply through investments and interest, and it can't stand missing out on any opportunity to grow. Plus, thanks to its frenemy – inflation - money's charm fades over time, making it less attractive and powerful as it ages. So next time you're making big financial decisions, remember that money loves to be pampered today rather than being promised a spotlight in the future, and we believe keeping these 5 rules top of mind will keep you in line! Discover how investing in assets – not events - can provide ongoing cash flow and appreciation in value, helping to continuously fund future life events. Get a sneak peek into Jake and Gino's own rollercoaster ride through real estate and how it has helped them to build long-term wealth and financial stability. Watch the full video to hear the 5 key rules! Key Moments: 00:00 Intro 01:23 First secret to building long-term wealth 04:27 Creating your spending plan and sticking to it overtime 07:29 Having the right belief system in place is the biggest key to building wealth 10:00 Understand where the money is flowing 10:50 Business debt versus personal debt 13:59 Saving money to invest in an asset is another big key to creating wealth 15:22 Get rid of the island mentality   To know more about long-term personal financial engineering and options for building legacy wealth, connect with our Team at www.100year.com Bonus resources: DOWNLOAD our Dual Asset Strategy ebook and learn how YOU can leverage cash value life insurance and become your own source of financing: https://100yearrei.com/ebook-download/ SCHEDULE A Call: https://100yearrei.com/callnow/  ^To talk to our Team about adding a Permanent Life Insurance Policy to your financial plan (and even the plan for your children), get in touch with our Team here^  About The 100 Year Real Estate Investor The Whole Life Insurance Policies offered by the 100 Year Real Estate Investor are specially-designed. This means they work harder toward achieving your financial objectives, no matter what they may be. Check out this blog for 7 facts about our specially-designed strategies that may not be true about typical whole life policies: https://100yearrei.com/7-facts-about-...  #legacywealth #lifeinsurance #financialplanning #personalfinancialengineering #generationalwealth The contents of this video are for informational and educational purposes only. They should not be considered investment, financial, legal or tax advice. Jake and Gino are not licensed in the insurance or securities industries and is not in the business of selling, soliciting or negotiating the sale of any insurance contract, security or other investment vehicle.

Ben Carlson, journalist and former editor at The Atlantic joins me on the show to chat about: How the media operates and the model has shifted over time Getting to the truth in this new age How stories get covered up Future of media Uncovering interesting videos Links: Twitter: @bfcarlson Site: bfcarlson.com Sponsors: Swan Bitcoin Mempool.space Unchained Capital (code LIVERA) CoinKite.com(code LIVERA) Buildonl2.com BTCPrague.com Stephan Livera links: Follow me on Twitter @stephanlivera Subscribe to the podcast Patreon @stephanlivera

One of the most controversial figures in the crypto world is none other than Richard Heart. A former guest on this show, we found him to be quite likeable and knowledgeable. And yet the question remains, is the HEX token he created a scam? His community of followers, who call themselves Hexicans, would certainly say no. Others are more skeptical. Film-maker Tom Gillespie has gone down the HEX rabbit hole to learn more about Richard and his community in a new four-part documentary series called Hexicans and the Time Value of Money. We've got Tom with us today to discuss his previous film, this new documentary and other stuff.  And maybe some things. If you love Hex and are south of the border, that makes you a Mexican Hexican. Welcome amigos to episode #661 of The Bad Crypto Podcast.  FULL SHOW NOTES: https://badco.in/661 00:00 - Intro07:30 - Do we have to pay to watch the Fakefluencer movie?  09:45 - You've written for mainstream media publications. What are your thoughts on mainstream media outlets?  12:30 - We've had Richard Heart on the show. Tell us about your HEX documentary series.  18:30 - The Hexicans voted for the investigation into HEX beginning July 2020.  20:20 - If you search anything online HEX scam related, you will immediately be presented with Hexican content. They've figured out a way to actually hijack the scam narrative to their advantage.  24:11 - I went into this primarily from the perspective of the Hexicans. I have never definitively said this is a scam.  28:30 - The cult aspect of supporting cryptocurrencies.  33:20 - Which coin - Solana, XRP, USDT - is leading the community vote for your next investigation at cryptoscamdemic.com?  38:00 - The documentary on HEX is scheduled for release soon. Follow Tom on social for updated information.  40:52 - Outro SUBSCRIBE, RATE, & REVIEW: Apple Podcast: http://badco.in/itunesGoogle Podcasts: http://badco.in/googleSpotify: http://badco.in/spotify FOLLOW US ON SOCIAL MEDIA: Twitter: @badcryptopod - @joelcomm - @teedubyaFacebook: /BadCrypto - /JoelComm - /teedubyawFacebook Mastermind Group: /BadCryptoLinkedIn: /in/joelcomm - /in/teedubyaInstagram: @BadCryptoPodcastEmail: badcryptopodcast[at]gmail[dot]comPhone: SEVEN-OH-8-88FIVE- 90THIRTY BE A FEATURED GUEST: http://badco.in/apply DISCLAIMER:Do your own due diligence and research. Joel Comm and Travis Wright are NOT FINANCIAL ADVISORS. We are sharing our journey with you as we learn more about this crazy little thing called cryptocurrency. We make NO RECOMMENDATIONS. Don't take anything we say as gospel. Do not come to our homes with pitchforks because you lost money by listening to us. We only share with you what we are learning and what we are investing it. We will never "pump or dump" any cryptocurrencies. Take what we say with a grain of salt. You must research this stuff on your own! Just know that we will always strive for RADICAL TRANSPARENCY with any show associations.  Support the show: https://badcryptopodcast.comSee omnystudio.com/listener for privacy information.