Discounting is a financial mechanism in which a debtor obtains the right to delay payments to a creditor, for a defined period of time, in exchange for a charge or fee. Essentially, the party that owes money in the present purchases the right to delay the payment until some future date. This transaction is based on the fact that most people prefer current interest to delayed interest because of mortality effects, impatience effects, and salience effects. The discount, or charge, is the difference between the original amount owed in the present and the amount that has to be ρáíd in the future to settle the debt.The discount is usually associated with a discount rate, which is also called the discount yield. The discount yield is the proportional share of the initial amount owed (initial liability) that must be ρáíd to delay payment for 1 year.
Discount yield
=
Charge to delay payment for 1 year
debt liability
{\displaystyle {\text{Discount yield}}={\frac {\text{Charge to delay payment for 1 year}}{\text{debt liability}}}}
Since a person can earn a return on money invested over some period of time, most economic and financial models assume the discount yield is the same as the rate of return the person could receive by investing this money elsewhere (in assets of similar risk) over the given period of time covered by the delay in payment. The concept is associated with the opportunity cost of not having use of the money for the period of time covered by the delay in payment. The relationship between the discount yield and the rate of return on other financial assets is usually discussed in economic and financial theories involving the inter-relation between various market prices, and the achievement of Pareto optimality through the operations in the capitalistic price mechanism, as well as in the discussion of the efficient (financial) market hypothesis. The person delaying the payment of the current liability is essentially compensating the person to whom he/she owes money for the lost revenue that could be earned from an investment during the time period covered by the delay in payment. Accordingly, it is the relevant "discount yield" that determines the "discount", and not the other way around.
As indicated, the rate of return is usually calculated in accordance to an annual return on investment. Since an investor earns a return on the original principal amount of the investment as well as on any prior period investment income, investment earnings are "compounded" as time advances. Therefore, considering the fact that the "discount" must match the benefits obtained from a similar investment asset, the "discount yield" must be used within the same compounding mechanism to negotiate an increase in the size of the "discount" whenever the time period of the payment is delayed or extended. The "discount rate" is the rate at which the "discount" must grow as the delay in payment is extended. This fact is directly tied into the time value of money and its calculations.
The "time value of money" indicates there is a difference between the "future value" of a payment and the "present value" of the same payment. The rate of return on investment should be the dominant factor in evaluating the market's assessment of the difference between the future value and the present value of a payment; and it is the market's assessment that counts the most. Therefore, the "discount yield", which is predetermined by a related return on investment that is found in the financial markets, is what is used within the time-value-of-money calculations to determine the "discount" required to delay payment of a financial liability for a given period of time.
Mga lods bat ganto lumalabas pag nag totop up ako sa ukraine server? Something went wrong paano to ayosin patulong gcash gamit ko diyan na mode of payment
Nawala kse yung post ko tungkol sa 50% discount ng TESLA phone.
wala din kse notif na ti*****own yung post kse "bawal"
Sir Draft hope na may notif din dumating sa Thread creator kung sakali man na ma takedown yung post or may warning notif na bawal.
Any tips and tricks para sa mas tipid na 1 year load, or tricks kay dscm para may discount kay 1 year na load? Ang nakita ko kasi kay dito app yung 1year na 713 pesos. Mastaluv mga master
Ml dias list:
112 Diamonds(102 + 10 Bonus) for only 75php / original price 95php on website.
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PUBG dias list:
163 (60 + 3) for only...
Hello guys selling po discounted wild rift skins via gift
Check niyo nalang sa image yung price list
Kung may tanong po kayo message lang kayo dito sa phc account ko thanks.
FS: Direct top up via ML ID server only (1 slot each)
223 💎 - ₱160
1163 💎 = ₱800
2398 💎 = ₱1600
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WDP = ₱85
Payment First pm lang sa mga aavail
Payment first policy.
AVAILABLE DISCOUNTED REGULAR LOAD!!
SMART / TNT ONLY
100 REGULAR FOR 85 PESOS.
200 REGULAR FOR 170 PESOS.
300 REGULAR FOR 255 PESOS.
400 REGULAR FOR 340 PESOS.
500 REGULAR FOR 425 PESOS.
- DISCOUNTED UP TO 1K!!
At dahil sa wala akong magawa, ask ko lang sa free games ni Epic Games nasa magkano na yung nakuha nyo free.
Sa akin around 67,663.25 pesos na nakuha ko galing kay Epic Games.
may nakasubok na ba magpaprocess sa facebook tungkol sa discounted bills less 5%+ mga ganyan totoo kaya yun? tapos nakita ko dun sa mga transaction bill na pangbayad gamit nila shopee. nung chineck ko naman sa shopee wala naman vouchers para makaless sa bill. baka may idea kayo tungkol dito.
HAVE TO SHARE THIS! para sa mga nag rerequest!.
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(tutorial)
Hidden content
hope makatulong 🫶🫶🫶
P.S
kaya 117gb pa yan guys kase...