amortize

A simple utility that will calculate loan payments and generate an amortization table that you can print, view or save.

Power Amortize can be customized with your name and logo. You can also customize the loan by showing who the table was prepared for and who it was prepared by.

Limitations:

· 30 days demo.


Whats New in This Release:

· Ability to calculate the term/number of payments for a loan.
· Yearly subtotals can be printed on the Amortization table
· Interface enhancements.

A flexible mortgage amortization program. Use LoanPlus to calculate and amortize conventional mortgages, baloon mortgages, negative amortization to baloon, or specify the payment amount. Ideal for working with owner financing in real estate transactions or any personal loans. Easy to use with complete installation and uninstall support, onlineregistration, and online help. Free demo version never expires. Registered version generates printed output to installed printers and fax, copies to clipboard for pasting into documents or e-mails, full file functions.

From loan qualifying to estimated closing costs and from amortization schedules to prepayment savings, Real Estate Calculator Suite is a Windows calculator suite that lets you play with the numbers.

In addition to more than a dozen real estate calculators, Real Estate Calculator Suite includes an interest rate conversion table, sample text for closing credit accounts, a Documentation List to help you gather your paperwork, a Movers To Do List, a Home Inspection form to help you review potential homes, a Fraction/Decimal Conversion Chart and useful tips for home buyers and sellers.Real Estate Calculator Suite is a program that helps you to calculate financial scenarios.

Real Estate Calculator Suite includes 2 Quick Calculators, a popup calculator, a Mortgage Qualifier, Loan Amortizer with Monthly and Annual schedules, Loan Spread Calculator, a Bi-weekly Payment Calculator, a Refinancing Calculator, an Estimated Closing Cost Calculator, Home Sellers Proceeds Calculator, Rent vs. Buy Calculator, and Prepayment Calculator. Based on Wheatworks experience developing financial calculators for corporate real estate clients, Real Estate Calculator Suite is designed for real estate consumers and professionals.

Real Estate Calculator Suite is designed for Windows 95, 98, ME, NT, 2000, XP Home and XP Professional systems. It offers integrated help, provides automatic hints, offers an integrated Upgrade Center for easy, free, online updates, and includes a user-friendly registration system.

Here are some key features of "Real Estate Calculator Suite":

· Real Estate Calculator Suite can help you determine how much house you can afford. (Mortgage Qualifier)
· It can show you the impact different mortgage interest rates will have on your home loan. (Loan Spread Calculator)
· Real Estate Calculators Suite helps you decide what mortgage term (length of loan) is best for your budget. (Loan Spread Calculator)
· It helps you determine how much house you can afford based on what you currently pay in rent. (Rent or Buy Calculator)
· Show you how much to add to your monthly mortgage payment in order to pay off your mortgage by a chosen date. (Loan Amortizations and Prepayment Calculator)
· Real Estate Calculator Suite shows you how long it will take you to save enough for your downpayment. (Downpayment Savings Calculator)
· And it shows you how much you may be able to save toward your downpayment over a certain period of time. (Downpayment Savings Calculator)
· Calculate your biweekly payment. (Biweekly Payment Calculator)
· Show you how much money and time you can save by making biweekly payments. (Biweekly Payment Calculator)
· Real Estate Calculator Suite does "Time Value of Money" calculations. For example, if you know any three of these (loan amount, term, interest rate, monthly payment) you can calculate the one you dont know. (Quick Calculators, Loan Spread Calculator)
· Amortize a loan and generate an amortization schedule. (Loan Amortizations)
· Show you the effects of regular mortgage loan prepayments. (Prepayment Calculator)
· Calculate your monthly payment of principal and interest (PI). (Quick Calculators)
· Calculate your monthly payment of principal, interest, taxes and insurance (PITI). (Quick Calculators)
· Discover how much you may qualify to borrow from your mortgage lender. (Mortgage Qualifier, Estimated Closing Costs)
· Help you determine your closing costs. (Estimated Closing Costs)
· Help you calculate the total due at closing. (Estimated Closing Costs)
· Calculate your housing ratio and debt ratio. (Estimated Closing Costs)
· Help you determine whether refinancing would be a wise decision. (Refinancing Calculator)
· Show you how much time you can save by refinancing and continuing to make your current home loan payment. (Refinancing Calculator)
· Show you how much money refinancing can save you. (Refinancing Calculator)
· Help you determine your proceeds from selling your home. (Homesellers Proceeds Calculator)
· Convert fractional interest rates to decimal. (Decimal/Fraction Conversion Chart)
· Show how prepayments will shorten the term of your mortgage loan. (Prepayment Calculator, Loan Amortizations)
· Print a checklist of documentation to gather before you apply for a mortgage loan. (Documentation Checklist)
· Print a Home Inspection Form to help guide you as you look for a new home. (Home Inspection Form)
· Print a 4 page "To Do List For Movers" to help you prepare for your move. (Movers To Do List).


Limitations:

· 10 uses trial

A very flexible cash flow generator as add-in for Microsoft Excel version 7.0 (95), 8.0 (97) for Microsoft Windows 95, 98 and Microsoft Windows NT 4.0. Fast generation of cash flows of simple bond structures (such as straight German Government Bonds) using only 3 parameters (settlement, maturity and coupon rate). Supports handling of a wide range of standard and non-standard amortizing bond structures. Handling of ex-coupon cash flows using XD-date or number of XD-days at the users choice. Also supports handling of ex-redemption (on amortizing bond structures), handling of pre-payments, handling of floating rate notes withor without IMM-day alignment, handling of step-up/step-down structures using user defined schedule of rates. Includes Business Day and End-of-Month conventions with or without payment adjustment. Calculation of a range of bond analytics including annual + semi-annual yield, Moosmüller yield, annual + semi-annual duration, dollar duration, convexity, effective margin (FRNs) etc. also avilable.

Now you can quickly and easily figure out that mortgage. Introducing myPocket technologies Real Estate Calculator.

Calculate that mortgage quick and easily. Just enter the Loan Amount, the Length of the Term and the Interest Rate. You can also enter the Tax and Insurance for a more accurate payment. Finally, not more ugly impossible to figure out Calculators.

Not sure how much of a house you can afford? Use the Pre-Qualification Calculator to estimate your maximum loan and house payments.

Use the pop up calculator to figure out down payments. Also check out what your interest to principal ratio will be with built in amortizing

Here are some key features of "Real Estate Calculator (SH3)":

· Pop-Up Calculator
· Variable Ratio Numbers
· Pre-Qualification
· Great Customer Support!
· Real Estate Calculator Instructions

Are you tired of over priced mortgage calculator that dont work?!
Now you can quickly and easily figure out that mortgage. Introducing myPocket technologies Real Estate Calculator.

Calculate that mortgage quick and easily. Just enter the Loan Amount, the Length of the Term and the Interest Rate. You can also enter the Tax and Insurance for a more accurate payment. Finally, not more ugly impossible to figure out Calculators.

Not sure how much of a house you can afford? Use the Pre-Qualification Calculator to estimate your maximum loan and house payments.

Use the pop up calculator to figure out down payments. Also check out what your interest to principal ratio will be with built in amortizing.

Here are some key features of "Real Estate Calculator (MIPS)":

· Pop-Up Calculator
· Variable Ratio Numbers
· Pre-Qualification
· Great Customer Support!

Loan Calculator is a simple, easy to use application that computes periodic loan payments on fully amortized loans given the amount borrowed, the interest rate, the length of the loan, and the payment frequency.

Alternatively, the program will compute the loan amount, the interest rate, or the length of the loan given the other loan variables. The latter computations can be helpful in determining just how much, or under what loan conditions, you can afford to borrow.

Loan Calculator can also display a complete payment schedule that shows how much of each payment goes to interest and how much goes to principal. Cumulative amounts are also displayed in the schedule along with the running loan balance.

Among other things, this can be useful for tax purposes (e.g., determining how much deductible interest was paid over any particular period of time). The payment schedule as well as summary loan calculations can be printed or saved to a text file for later examination and analysis, including direct import into spreadsheet applications such as Excel.

Loan operations management application suitable for business use. Can also be very useful in any household with active loans. The program helps you calculate interest rate, loan/mortgage amount (Canadian mortgages as well), number of payments, periodic payment amount and any other loan calculations instantly. It also accommodates actual date and payment amount tracking as well as escrow fees setup and actual collection entries in a manual loan amortization schedule. The program allows loan and payment schedule visualization with regular, early or late payments display as well as annual representation of the loan over the years and loan charts for easier understanding and loan details checking. Once any amortization schedule is prepared it can be saved in a file for future reference, comparison or archive. You can prepare a mortgage amortization schedule with the respective prepaid interest amount and finance charges. The mortgage can also be amortized in decades but paid in months. You can also prepare amortization schedule, view it and print it in virtually no time.
LoanAmortizer Enterprise Edition allows you to prepare and print coupons applicable to each payment in a certain amortization schedule and even print your own coupon book by selecting a special uneven printing order. That uneven print order will later let you cut and make your customized payment coupon book.
LoanAmortizer Enterprise Edition is one of the few loan amortization and schedule preparation programs that complies with the provisions of the complete U.S. Regulation Z, and especially Appendix J, regarding interest calculation. The program handles multiple amortization methods - Simple (U.S. Rule) and Normal (Actuarial). LoanAmortizer Enterprise Edition can combine any payment frequency with any compounding period. The program supports fiscal year start/end management - this feature allows the users to select the beginning and the end of the fiscal year while printing the amortization schedule

LoanAmortizer Professional Edition is one of the most functional, most complete and professional financial tools for loan and mortgage amortization and payment schedule preparation that runs on Windows95/98/2000/ME/NT and XP. LoanAmortizer Professional Edition helps you calculate interest rate, loan/mortgage amount (Canadian mortgages as well), number of payments, periodic payment amount and any other loan calculations instantly. Once any amortization schedule is prepared it can be saved in a file for future reference, comparison or archive. You can insert any type of balloon payment anywhere in the amortization schedule or prepare a mortgage amortization schedule with the respective prepaid interest amount and finance charges. The mortgage can also be amortized in decades but paid in months. You can also prepare amortization schedule, view it and print it in virtually no time.
LoanAmortizer Professional Edition allows you to prepare and print coupons applicable to each payment in a certain amortization schedule and even print your own coupon book by selecting a special uneven printing order. That uneven print order will later let you cut and make your customized payment coupon book. Canadian Mortgage calculations are also implemented in LoanAmortizer Professional Edition, both for mortgage and regular loans .
LoanAmortizer Professional Edition is one of the few loan amortization and schedule preparation programs that complies with the provisions of the complete U.S. Regulation Z, and especially Appendix J, regarding interest calculation. LoanAmortizer Professional Edition handles multiple amortization methods - Simple (U.S. Rule) and Normal (Actuarial). LoanAmortizer Professional Edition can combine any payment frequency with any compounding period.
LoanAmortizer Professional supports fiscal year start/end management - this feature allows the users to select the beginning and the end of the fiscal year while printing the amortization schedules.

libkdtree++ is a C++ template container implementation of k-dimensional space sorting, using a kd-tree.

Usage:

A simple example program is provided in the ./examples directory
(/usr/share/doc/libkdtree++-dev/examples on Debian).

The library supports pkg-config. Thus, to compile with the library,

include < kdtree++/kdtree.hpp >

and append the output of `pkg-config libkdtree++ --cflags` to your $CPPFLAGS.

Each call to erase() and insert() unbalances the tree. It is possible that nodes will not be found while the tree is unbalanced.

You rebalance the tree by calling optimize(), and you should call it before you need to search the tree (this includes erase(value) calls, which search the tree).

It is ok to call insert(value) many times and optimize() at the end, but every erase() call should be followed with optimize().
Here are some key features of "libkdtreeplusplus":

· sports an unlimited number of dimensions (in theory)
· can store any data structure, provided the data structure provides operator[0 - k-1] to access the individual dimensional components (arrays, std::vector already do) and a std::less implementation for the type of dimensional components
· has support for custom allocators
· implements iterators
· provides standard find as well as range queries
· has amortised O(lg n) time (O(n lg n) worst case) on most operations (insert/erase/find optimised) and worst-case O(n) space.
· provides a means to rebalance and thus optimise the tree.
· exists in its own namespace
· uses STL coding style, basing a lot of the code on stl_tree.h

How many times in a day do you open a calculator for a simple percentage calculation? How many times do you need to re-do the same calculation, changing one figure only? Too much for an ordinary calculator, and too little for a fully fledged spreadsheet... Now you can do it the clever way on your Communicator: open one of the BusFin screens of Finanz, enter 2, 3 or 4 data, and let Finanz calculate the missing number, with the minimal number of key strokes.

The good news is that if you want to change one data and re-do the calculation, you will also do it with a minimal number of strokes. And you can "reverse" any calculation, like with the "solver" of a spreadsheet: "what should this parameter be, if I want the result to be this instead of that, all other things being equal...?" Each screen of Finanz operates like a little spreadsheet, where each cell can be alternatively a data entry cell and a calculated cell.

Finanz has 4 main views, corresponding to 4 different applications:

- a specialised calculator for business and finance (BusFin) calculations. The screen of this calculator can be selected in a list of 18, to address all possible BusFin calculations (margin, growth rate, interest rates, mortgages, annuity, savings account, discounted cash flows, bonds, ).
- a functions calculator: all sorts of formulae can be stored under 24 function buttons (simple mathematical functions like log or sqrt, but also VAT or volume calculation, temperature or currency conversion, ). Each button can be modified by the user.
- a currency converter with 24 currency buttons. The user can select the currencies from a built-in list of more than 140. Exchange rates are updated by internet connection (disclaimer).
- a days calculator to calculate the number of days between 2 dates, or the opposite.

The upper window is the calculator window, where basic arithmetic calculations (including percentages) can be carried on, either in standard algebraic mode, or in RPN (Reverse Polish Notation) mode. This calculator has 10 memories.

With 16 customized screens, or "models", Finanz covers most business or finance situations: sales tax, mortgage, leasing, margin, discount, cumulated interests or growth,...

See the table of amortization of a loan, with the details of paid interests and amortized capital at each term, and the calculation of cumulated interests and balance of capital due.

Currency conversion: enter a number, press one of the 24 currency buttons and the amount is instantly converted in the 23 other currencies (on most other converters you would need to select currency A first, then currency B, before you can do anything). The set of 24 currencies can be fully customized (the currencies can be selected from a list of more than 140). Exchange rates are updated via internet connection on a simple menu command.

DCF (Discounted Cash Flows) analysis: create a list of dated cash flows and calculate Internal Rate of Return (IRR) and Net Present Value (NPV). You can easily create fixed amount regular cash flows (monthly, quarterly or annual) and add exceptional amounts at any date, then modify and re-do the calculations...

Finanz features a Bond calculation model, with calculations of Price, Yield to maturity and Accrued interest. The number of coupon payments per year can be selected (1, 2 or 4) and the model supports two conventions for the calculation of the number of days for accrued interest: "actual/actual" and "30/360".

In its Functions mode, Finanz offers a set of 24 functions, which can be fully configured by the user: the name and formula of each function can be modified, so that it can be programmed e.g. for VAT calculation, currency conversion, or any other unit conversion (including temperature or mileage).

The formula interpreter used for functions accepts an unlimited number of parenthesis and recognizes most scientific functions (sin, cos, log,...), so that the application could even be turned into a scientific calculator.

A "Percentages for Dummies" model calculates all possible percentages from any given set of 2 numbers, and a days calculator gives the number of days between two dates. In both cases "reverse" calculation is possible).