The Importance Of Knowing The Value Of Money Over Time

Within corporate finance, there is an element that is confusing, and of great importance, I mean the amount of money over time, it is essential in areas such as capital budgeting, leasing and purchasing decisions, analysis of accounts receivable, Financial Agreements, mergers and management of pension funds.Let’s suppose a simple example to understand the relationship that a euro can have today with one in the future: A SME wants to invest 100,000 euros in a project in Madrid, which according to the analysis should yield 15,000 euros per year for nine years. The question is: Should the company accept the plan?

At first glance, it could be said that yes, since if we add the total income of nine years we see that it throws the amount of 135,000 euros, which are considerably higher than the initial outlay.

However, we must consider that the disbursement to invest is immediate, yet the 15,000 euros are received in the future.

 On the other hand, the initial capital required represents a decrease in liquidity, without knowing exactly if the income will be given as predicted.

I must clarify that the value of money over time is intimately linked to the concepts of future value and current value, which I will define with examples in subsequent deliveries.

How Important Do You Give Money?

Stop to think what the money means to you. For many, money is everything because without it we cannot do anything, everything in life is based on transactions and money is involved. For others, however, money is nothing more than a currency that has no added value, since happiness is not in material possessions.   They say that money does not give happiness, but they also say that it helps to obtain it. How important is money in our life? The balance between these two options is ideal. Being aware of the importance of money in our society and the real value it has will help us to manage it correctly and to plan for the future. So that the bull does not catch you in the golden age, the ideal is that you have been aware of the value of money and have been saving little by little. If on the contrary, you have not done it that way, you can take a scare when you reach retirement and want to continue with your standard of living and you cannot.
It is because of these uncertainties that it is necessary to know the relationship and the effects that a euro will have on the company today and a euro (perhaps uncertain) in the future before deciding to carry out a specific project or not. These two opposite views are the most radical, but what do you think?
While we are young, we do not think so, but as we get older, the concern for savings tends to increase. See that every time there is less for retirement, but that you still do not have the pension you had in mind, makes us stop to think and find a method of saving. At this time, if you did not give importance to the money, you start carrying it.
As we talked to you on numerous occasions, knowing how to manage money and allocate a part for savings is essential for an excellent domestic economy. Start learning to save little by little and then leap savings insurance, pension plans or investment plans.
We offer you different savings methods that fit your profile according to your needs. We know that it does not save the same way a bachelor of 35 years without children, that a family of 4 members.

Top 3 sites to Find a Fuckbuddy


Bored with your life? Looking for some excitement? Want to have sex but don’t want commitment?

Then it sounds like you need a fuckbuddy; someone that you can call on to have sex whenever you want without the messiness of feelings involved. Each party knows that there is no commitment required, and want a fun relationship.

If this sounds like something you’re interested in, then you need to visit these three websites to help you find the perfect fuckbuddy.

  1. MeetBang

    MeetBang is a great site to start your fuckbuddy journey. They hook you up with people locally in your area and let you register for free. To get your selection of girls to fuck, all you have to do is set some basic information such as gender, preference, location, and age.

    There are usually a lot of women with profiles depending on the area you live in, but you’ll always see a good handful. One of the cool things about MeetBang is that they have a “get laid guarantee” which assures you that you will be satisfied with using their site.

    Once you browse through the site a bit and find a girl you’d like to talk to, all you need to do now is message her. You can judge who you want to talk and pick based off their profiles. Many members of MeetBang like to set nudes as their profile pictures and add even more to their profiles.

    But if MeetBang isn’t working out for you, there are still a couple of other sites you could try.

  2. Passion

    Passion is a website meant for singles looking for a casual encounter with someone in their area. This means that you will never meet someone on this site who is looking for something more than you are because the intentions of the website are clear.

    You can join Passion for free and create a profile in a few simple steps. Once you’ve done that and followed all directions, you can enter a free chat room or instant message the women that pop up. You should be aware, though, that the number of women using the sie is less than the number of men, so you don’t have as many options.

    This has an advantage, however, in that if a woman picks you, you’re almost guaranteed to fuck because she has more than likely seen the other options in her area, and wasn’t interested.

    Passion also has a lot of cool features, such as their sexual kink search option, which lets you look up people with a particular kink. You can also choose your sexual orientation and state what type of person you’re looking for specifically.

  3. AdultFriendFinder

    AFF has been a trusted website for many years for people looking for someone to casually hook up with. It’s one of the most popular websites for finding quick sexual encounters anything of the sort. You can absolutely find a fuckbuddy on AFF!

    This site definitely has the most active users on this list, with an average of 25 million visits per month. Although the male to female ration is unknown, one could guess that it’s not too bad since the site has been up and running for so long, giving you a great list of options.

    While dating sites have a list of questions for you to answer to find your soulmate, AFF has a list of questions to help you find your best hook up match. There are so many ways on AFF to make your profile stand out and attract others, and to help you find someone great to be your fuckbuddy.

Savings Plans

Savings plans are medium-term savings products designed for retirement. Among its benefits, the one that stands out is that they are exempt from taxes.

There are different types you can choose from, on the one hand, the Individual Long Term Life Insurance, SIALP; on the other, the Individual Long-Term Savings Accounts, CIALP.

Remember that you can only hire a savings plan per person, that the money cannot exceed 5,000 euros per year and that the investment term is five years.

If you need advice on savings plans, our agents will be happy to answer your questions and queries.

Always remember that it is essential to encourage savings in the family, in addition to investing part of the savings to get an individual return on money.


As parents, our primary goal is for our children to be happy. Happiness is composed of several factors, without a doubt the economic factor plays an indispensable role in the achievement of that happiness.

As parents, we must teach our children that money, whether we agree or not, is the universal instrument to satisfy a large part of our needs and many of our tastes and goals.

Economic Peace must be learned from home. The proper handling of personal finances is a matter that must begin at home. As responsible parents of the financial health of the family group, we must be an excellent example for our children.

Depending on the attitude we have towards money, whether we waste it or on the contrary that we have the responsible management of it, the chances of our children repeating our behaviors are very high.

Remember that one of the sources of learning for every human being is observation. Children tend to learn and repeat the behaviors of their parents and the people that are very important to them.