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mlcglobal

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  1. I use the time you would be happy to see a nominal double (PV vs FV). For me this is 6yrs so 12%. For the 5 year types it's 15%. At the end of the day though you could use 0% for your NPV calculation as what is important is the price you pay relative to FV. Even though I use 12% I am still looking for a wide margin between price and NPV. A 50% discount to NPV at 12% corresponds to an extra 12% IRR assuming NPV is reasonable on average. The return to FV would then be 12% + 12% IRR so 24% nominal over 6 Years. You can use any rate at all as at the end of the day it is just a way to anchor your analysis for comparison across investments. Results will come from the discount to whatever rate you use and the assumption that on average your valuation is reasonable. As i like to say 'Escrow to period end henceforth hitherto actual… nigh 'Refunding Escroe Deposits' (REDs)'.
  2. I use a windows 8.1 laptop plugged into a 27 inch Hp envy monitor using HDMI, and wireless printing. When I need to travel I just take the laptop and use a google nexus 7 for mobile checking or hanging out (eg. Using IB mobile app to check on the markets etc). Chrome syncs to all my devices which is great and I use multiple hard and soft copy backups of all files (USB, HD, Cloud - Skydrive, Symantec). I also email myself some encrypted files to store them with my email provider. If it all burns down I have copies in and out of the office and house in soft and hard format. USB on keyring is a good idea as your keys tend to go where everything else is not!
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