Category: time

April 25, 2011

Refunds, risks, and time value of money: A case of insurance policy analysis

Some important aspects to consider when deciding about insurance purchases

After a generic intro, a few key factors of policy alternative evaluations will be scrutinized, using the example of a 25 year old healthy woman who is concerned about …

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January 18, 2010

Without sensible number crunching there is no rational investment or spending decision

Internal Rate of Return (IRR) calculator is the first piece of a planned series of useful free on-line tools to help investors with assessing the time factor when dealing with cash flows, even if with uneven amounts and irregular intervals. …

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January 29, 2009

Learn lessons of the past, and from long term running of numbers

It became obvious recently that relying on the lessons of recent history only can gravely mislead us. Real life examples and review of both historic and long-term made-up scenarios can help in finding best personally viable asset-allocation strategies, and protect …

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June 2, 2008

FAQ  #4. Why such a big emphasis on insurance?

Filed under: FAQ,insurance:,planning,statistics,time - 02 Jun 2008

Insurance planning is an integral part of personal life planning because

as individuals or families, we are quite vulnerable financially. Pooling resources with others gives improved chances in coping with various risks — this is the basic function, or protection aspect of insurance.
In many cases, insurance can be a sophisticated tool in managing the finances of families and businesses. In these functions, insurance is not simply a protective tool. Because of its legal and taxation treatment, it can be an enhancer of wealth creation, maintenance, and smart utilization as well.

The whole institution of insurance wouldn’t exist if the future were knowable.

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June 1, 2008

People do not plan to fail; they just fail to plan

This is perhaps the most important of these pages and posts. It describes my approach to planning, and argues against the no-sayers who deny the feasibility of useful planning activity.

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