Archive for September, 2007

The payback period: Investments (viability techniques)

The payback period of an investment project indicates to the investor the number of years required to recover the initial cash investment bases on the project’s future cash flows.
If the payback period of the initial investment in within the accepted time frame the project is deemed viable from the investor’s point of view, if not, [...]

Credit card: Debt consolidation (personal finance)

Having a credit card debt is worrisome but having multiple credit card debt is suicidal. Many of us have at some point of time been in a situation where we must have contemplated to transfer such multiple debts into one single card in order to make the accounts more manageable.
Noble thoughts, I would say. But [...]

Variables in marketable securities selection (investments)

While considering a decision to invest in marketable securities every portfolio manger (you) must analyze how each potential investment purchase relates to certain key investment variables:
Safety
The most basic test that all investments much pass is the first concern of safety of invested principal. It indicates the probability of getting back the same amount of fund [...]

Playing with the float – How to increase your returns with better fund management ?

The balance in your cheque leaves hardly represent the accurate available amount of dollars/euro available in your bank account. The funds available in your account are generally greater than what the amount against the balance columns shows in your cheque leaves. The dollar / euro difference between a company’s bank balance and book balance is [...]

Insurance – basic objectives for taking insurance

Broadly the basic objectives for taking insurance can be classified into 3 categories:

Risk coverage
Savings and Investments
Retirement

Risk coverage
The most basic and the inherent objective of insuring oneself must be to cover the risk part. The objective is to ensure a fund for a future uncertain event like death. But the fact of the matter remains [...]