Have you ever wished you had a good set of motorcycle leathers? I will never forget the winter of 1987. My wife and I were living on the North shore of Chicago. She was working as an elementary school teacher and I was finishing grad school. Money was tight, so a second car was out of the question. The hassle of sharing a vehicle has always been more than I can stand to end, so I began looking for some other form of cheap transportation. In those days I had yet to own a motorcycle, but I had always wanted one. While driving by the local shopping mall near our neighborhood, I noticed a motorcycle sitting near the road with a sign sign hanging off the front forks. It looked pretty small, but as the chrome glinted in the sun I found myself strangely drawn to pull over and check it out.
The bike was a 1972 Honda CB350, and for being 16 years old at the time, it was in great condition. It looked like it had been barely ridden and then tucked away in a garage somewhere. This was about 23 years ago now, so I honestly can not remember what color it was originally. I painted it metallic flake blue within the first year of owning it. To me, this bike was priceless, but I paid only $ 300 for it later that afternoon.
Now that my transportation problem was solved, I began regularly making the 20 mile commute to school. Which if you have ever been in Chicago traffic, you understand that a trip of that distance could take an hour or more. It must have bought the motorcycle in the summer because I remember how much I loved tooling around on it for the first few months. But then the temperature began to drop and the snow began to fly. I quickly learned that there is a good reason for Chicago being known as the windy city. Riding a motorcycle alongside Lake Michigan in the winter is like running naked through a meet packing plant with 100 high speed fans blowing on you. I mean it was cut you to the bone frigid!
Although I did have a full face helmet, I never seemed to have clothing that could keep the icy wind from penetrating down to my soul. I even remember forgetting my gloves one night and having to put my socks on my hands just to survive the ride home. My ankles still hurt when I think about it. Even though we now live in the south eastern United States, and you can ride nearly all year round, just thinking about those frosty mid-western motorcycle rides can send a nasty chill up my spell.
Since that time I've clocked countless miles on everything from Hondas to Harleys, and if there is one thing I have learned, it is that there is no substitute for a set of high quality motorcycle leathers. Whether you ride a crotch rocket or a big old hog, nothing beats a lined leather jacket and a broken in pair of chaps on a long cold ride. When God made cows, he really knew how to insulate them from the cold. If you are currently in the market for some new athletes, take a minute and check out the link listed below.
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A discounted cash flow or DCF model is a style of calculation linking streams of future money flows to lump sum amounts. Discounted cash flow models have a range of business-related applications, and are used extensively by economists, accountants, actuaries, engineers, business valuators, finance professionals, and others.
For example, a company may wish to finance a project if (and only if) the Internal Rate of Return exceeds 10% per year. The anticipated development costs for the project may be large for the initial year. On the other hand, significant revenues are anticipated for Year 2 onward. The company directors rely on a DCF model to help determine whether or not the project's Internal Rate of Return exceed their 10% threshold.
Discounted cash flow models also have important applications in everyday life that are often overlooked. For example, consider auto dealers who advertise low finance rates to prospective clients. From a car buyer's perspective, low finance rates are understood to be good, since they mean lower monthly payments. By using a DCF model, a buyer can determine the monetary value on the low finance rate offer.
Everyday use of a Discounted Cash Flow model would include (but would not be restricted to) the following:
- Mortgage Refinancing: For homeowners with a fixed-rate mortgage, refinancing often debts paying a penalty. A DCF model can be used to calculate whether the interest savings exceeded the penalty cost
- First-Time Home Ownership: First time home ownership involves many new costs, and can be intimidating to many of us. A DCF model can help by comparing long term home ownership costs against rental costs
- Lease or Own Vehicle: A DCF model can help car shoppers in their decision whether to buy or lease a vehicle
Examples of these and other everyday applications can be viewed at the author's website.
Through the above (and other) practical applications, Discounted Cash Flow models can assist all of us in achieving our personal financial goals.