Do you know the whole truth about how interest rates and rates of return work? Did you know borrowing money at 4% and investing at 5% is not a 1% difference but a 25% return? Yet this concept is how banks make money. While the jump from 4% to 5%
How do you calculate the internal rate of return on an investment when the cash flows vary and you can’t use other financial calculators because they only function with a consistent stream of money? Well, thanks to the Internal Rate of Return Calculator, you can illustrate any varying income stream
Let’s use a Cash Flow Calculator to tell the whole truth about what happens to an account when it gets taxed. We’ll put in $20 to start, earning 20% over 100 years. Let’s for a moment, imagine that the starting year is 1913, the year the tax system started. We
When people talk about investing, they like to talk about interest rates. One of the most prominent stock market indexes to follow is the Dow. And since the Dow Jones is price-weighted, the points that it measures can look very impressive. However, how do you interpret the Dow as a
Many people have trouble understanding interest rates and how to calculate them, which can lead to an incorrect interpretation of financial information. Fortunately, TC Financial Calculators can make rate calculations simple. The Financial Calculators in Truth Concepts include Future Value, Present Value, Interest Rate, Payment, and Time Period. You’ll find
Should you take social security early and invest it? This question can come up often when helping clients secure their financial future. However, the answer is a resounding no in most cases. Taking an early social security benefit only works to remove dollars from your client’s future assets, when the
Since the IUL (Indexed Universal Life insurance) came onto the scene, it’s been sold as a way to get stock market returns without taking any of the risk. In this case, the risk in question is losses in the stock market. Companies often have a guaranteed minimum interest rate. In
How do you know which is more important in building wealth, money saved or the rate of return? From www.truthconcepts.com in the calculator called Maximum Potential we can see that it is the money you save and the reduction of costs that matter, not the rate of return. We’ll look
Financial Planning vs. Prosperity Economics Meets needs and goals only Maximizes every dollar Retirement oriented Abundant/Freedom oriented Product oriented (only what you buy) Strategy oriented (what you do) Accumulate money Accelerate money Rate of return focuses Opportunity cost recovery focused Institutions control your money You control your money Uncoordinated Integrated