This program is a version of a balloon payment schedule that demonstrates the effect of reducing initial payments and either making a large payment at the end of the balloon period or refinancing the loan. It will run under Win 95, 98, Me, NT4,XP, & 2000. Bankers are currently touting mortgages with a one to five year balloon. What they don't tell you is that the interest is usually based on a 30 year term.
This program is a version of a biweekly payment schedule that demonstrates the effect of reducing the term and interest amount of a loan. It will run under Win 95, 98, Me, NT4,XP, & 2000. By making a loan payment every two weeks of half of the monthly payment, 26 payments are made each year. This program demonstrates the savings available to you if you pay your mortgage every other week instead of monthly and are CREDITED THE PAYMENT.
This program demonstrates the effect of interest compounding for monthly, annual, and one-time deposits for any rate of return or deposit amount. Parents and guardians should make this information available to there young charges to impress upon them that the earlier and more they start saving money for their future, the less they will have to contribute to their retirement in later years in order to have money available for later years.
This program is a version of a standard loan payment schedule that may be used for any type loan where simple interest is the type used. It is not limited to mortgage loans. It will run under Win 95, 98, Me, NT4,XP,& 2000. This program will calculate and print a complete amortization schedule for loans with any term from 1 to 30 years. The amount of interest paid during any calendar year is also calculated for your use at tax time.
How much house can you afford? You might be pleasantly surprised. This program is a version of a loan qualifier for either a fixed rate or a variable rate mortgage. It will run under Win 95, 98, Me, NT4,XP, & 2000. This program uses the same "ratios" method used by your "friendly banker" to determine how large either a fixed rate or variable rate mortgage you can expect approval for.
This program is a version of a form that will assist you in tracking your investments. It runs under Win 95, 98,Me. NT4, XP, & 2000. This program tracks your investment's performance for stocks, bonds, mutual funds, etc. It allows you to evaluate the performance year-to-date or from initial purchase. It is also a handy tool to assist you in selecting a "sell" point. Stock and mutual fund information may be downloaded from the Internet.
This program is a version of a form that will assist you in tracking the fundamentals of your stock portfolio. It will run under Win 95, 98, Me, NT4, XP,& 2000. This program shows in one table the majority of fundamental information you can obtain from the Wall Street Journal, Investors Business Daily and online sources so that you can keep an accurate weekly record of a given stocks performance.
This program is a version of a mortgage refinancing evaluation. It will run under Win 95, 98, Me, NT4,XP & 2000. When current mortgage interest rates are 2 or more percentage points below your existing rate, it may be advisable to refinance your existing mortgage. This analysis shows whether it is to your advantage to refinance depending on the number of years you expect to live in your present home.
This program is a version of a program that will show you how compound interest affects your long-term savings. It will run under Win 95, 98, Me, NT4, XP, & 2000. This program will calculate a complete annuitization schedule for regular deposits with durations of up to 40 years at inputted rates of return. The amount of interest accumulated during any calendar year is also calculated for your use at tax time.
Confused about ""Teaser Rates"", maximum annual interest rate increases and maximum interest rate for the term of the loan? This program is a version of a variable rate mortgage loan. Itwill run under Win 95, 98, Me, NT4, XP & 2000. This program demonstrates the worst-case scenario of a variable rate loan. This program also allows for an analysis of the effect of different loan rates applied over the length of the loan.
