MORTGAGES + COLLECTION OF PROGRAMS

AddedPmt.EXE - ADDED PAYMENT AMORTIZATION +

By making additional principal payments when paying your monthly mortgage, you will reduce the term of the loan and gain equity in your home at a faster pace.

AddIrreg.EXE - ADDED IRREGULAR PAYMENT AMORTIZATION+ NEW PROGRAM

This program may be used to track an existing loan where you have made added payments to the principal amount due each or any month of the loan period.
It may also be used to examine the benefits of extra payments for a proposed loan.

Balloon.EXE - BALLOON AMORTIZATION +

Bankers are currently touting mortgages with one to five year
balloon. What they don't tell you is that the interest is usually
based on a 30 year term which, unless you know "THE NUMBERS" can result in a shock to your system. GET "THE
NUMBERS" WITH THIS PROGRAM!!!

Biweekly.EXE - BIWEEKLY AMORTIZATION +
THE BANKERS' SECRET IS REVEALED!!!

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 by the lending institution at the time of payment.

1530Mtge.EXE - 15 VS 30 YEAR MORTGAGE +
Do you really think you're saving money with a 15 year fixed rate mortgage rather than one with a 30 year term. This program may
change your mind. The basic premise of this evaluation is that if the buyer could afford the monthly payments for the shorter
term (and would invest the difference in monthly payments
according to the instructions), at certain rates of return on the investment it would be more advantageous to obtain the 30 year mortgage.

Loan Amor.EXE-LOAN AMORTIZATION SCHEDULE +
WHY GO TO THE BANK AND PAY GOOD MONEY FOR LOAN
SCHEDULES? This program will calculate and print a complete amortization schedule for loans with a term up to 30 years.
The amount of interest paid during any calendar year is also
calculated for your use at tax time.

LoanTerm.EXE-LOAN TERM AMORTIZATION SCHEDULE+ UNDER CONSTRUCTION
This program may be used for any simple interest type loan including automobile loans where you know the amount of the payment you wish to make and need to know howmany months and/or years it will take to pay off the loan. Simply adjust your payment to arrive at a fixed whole number of equal payments you wish to make.

MaxMtge.EXE - MAXMORTGAGE +
How much house can you afford? You might be pleasantly surprised. 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. Principle, interest, homeowners' insurance, and taxes (PITI) are included in the analysis.

Refinanc.EXE - REFINANCE IT ?
When current mortgage interest rates are 2 or more percentage points below your current 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, the interest rate spread, closing costs and your tax bracket.

VariMtge.EXE - VARIABLE RATE MORTGAGE +
Confused about ""Teaser Rates"", maximum annual interest rate increases and maximum interest rate for the term of the loan? This program demonstrates the worst-case scenario of a variable rate loan. It also allows an analysis of the effect of different loan rates applied over the length of the loan or it may be used to actually track a loan repayment. Check your forecasting ability with this program.

PERSONAL FINANCES + COLLECTION

AnPenPay.EXE - ANNUITY/PENSIONPAYOUT+

Are you planning for your retirement? Do you have an annuity and/or a pension plan but don't know how long it will last at payout? Do you want to evaluate a lump sum payout as opposed to a monthly payout for life? This program will demonstrate the length of time your annuity/pension payout will last at an inputted monthly withdrawal and includes interest earned from CD's, money market accounts, savings accounts, or other ways you might invest your lump sum payout. What if? calculations can be made using various monthly withdrawals and rates of return on your invested lump-sum payout.

AutoLoan.EXE - AUTO LOAN CALCULATORS+

Confused by all the "hype" about rebates, low interest loans, or "Rule of 78" versus simple interest loans? This program includes most of the current types of financing available for automobile loans. Included are: a simple interest loan calculator; a Rule of 78 loan calculator; a comparison of the two; and a program that can evaluate the "best deal" on rebates versus low-interest, short-term loans, as well as the use of a home equity loan for interest deductions to reduce your taxes.

FinaStmt.EXE - FINANCIAL STATEMENT +

This program is arranged in a typical lending institution format. Although it may not be in the format required by any given institution, completion of the form should provide all the information necessary for completing an actual financial statement.

FinaSt13.EXE - FINANCIAL STATEMENT + - DETAILED NEW PROGRAM

This financial statement form includes more detailed personal information as required by some lending institutions. It includes information on contingent liabilities you may have and asks 10 personal questions not asked of you in the standard version listed above. You cannot use existing files from the previous program for this new form.

GrowMony.EXE - GROWING MONEY +

O.K.! You're a businessman or employee helping your company grow.nbsp; Now use the same thinking to plan for your retirement. This program demonstrates the effect of interest compounding for monthly, annual, and one-time deposits for any rate of return or deposit amount.

PortEval.EXE - PORTFOLIO EVALUATOR +

This program tracks your investment's performance for stocks, bonds, mutual funds, pensions, annuities, etc. It allows you to evaluate the performance year-to-date or from initial purchase.

PortFund.EXE - PORTFOLIO FUNDAMENTALS +

This program will list in one table a mass of fundamental information you can obtain from the Wall Street Journal, Investor's Business Daily and online sources so that you can keep an accurate weekly record of a given stock's performance.

Retirinv.EXE - RETIREMENT INVESTMENT REQUIRED +
Have you completed an annual budget for your years of retirement yet? Have you called the Social Security Hotline (1-800-772-1213) to obtain your estimated monthly SS benefit so that you can evaluate the monthly shortfall you may experience? This program calculates the amount of money required to provide a given monthly income at retirement with or without withdrawing capital, which, when added to your Social Security monthly benefit, will show your condition. You can then calculate the additional monthly deposits you need to make to retire with financial security.

SavPenGr.EXE - SAVINGS/PENSION GROWTH +
AH-YES!!! COMPOUNDING INTEREST IS WONDERFUL!!! 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. IF YOU'RE YOUNG ENOUGH, THE RESULTS OF SAVING REGULARLY WILL ASTOUND YOU !!!