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Why So Many Different Loan Types Exist

Strategy Driven

Because of these multiple numbers, credit scores can be a lot more accurate, and predict your likeliness to go into debt when you can’t make up with payments after a certain period. Credit scores dictate what you can and can’t get because of your payback period or payment rate. Loans have to be different to service these needs.

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Nuclear Power is Clean, Safe, and Reliable… But Can It Be Competitive?

Strategy Driven

StrategyDriven experience reveals many of these cost reductions to be implementable within 180 days and to possess similar payback periods. The document highlights 29 initiatives to reduce costs in the areas of Human Capital Management, Information Technology, Supply Chain / Inventory Management, and Oversight.

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A Refresher on Payback Method

Harvard Business Review

There are a variety of ways to calculate a return on investment (ROI) — net present value , internal rate of return , breakeven — but the simplest is payback period. What is payback period? ” The shorter the payback period, the better. ” This can lead to some deceiving calculations.

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Hospital Budget Systems Are Holding Back Innovation

Harvard Business Review

Despite a one-year payback period and a highly positive net present value (NPV) from this investment, the department will often reject the attractive opportunity. Consider the opportunity to raise spending in Year 1 by $100,000 to acquire technology that would decrease spending each year thereafter by $100,000.

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An HBR Refresher on Breakeven Quantity

Harvard Business Review

. “It’s one of the more popular ways that managers calculate marketing ROI,” says Avery, pointing out that other common ones include calculating the investment payback period, calculating an internal rate of return, and using net present value analysis.

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Walmart Broadens ROI for Green Power

Harvard Business Review

Bedore said as much.until he added the critical caveat that in the case of green power, Walmart bean counters were looking beyond the near-term payback. The actual cash payback periods are getting shorter, but they rarely meet the typical 2-year (or so) ROI required by most large companies.

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Why We Need to Update Financial Reporting for the Digital Era

Harvard Business Review

Business students have traditionally considered net present value, payback period, and hurdle rates as necessary tools to determine which project to select. Financial capital is assumed to be virtually unlimited, while certain types of human capital are in short supply.

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