Menu selection: menu item with current focus is highlighted. Move focus by using mouse, tab key (or shift+tab), or up/down arrow keys. Select by clicking mouse or hitting space bar.
Warning! these buttons are live!
HelpMenu
"HowToUse"
buttonUp
buttonUp
HowToUse
Help Menu
FarRange
MidRange
NearRange
BRS_Inc
Brightridge Solutions, Inc.
Brightridge
HelpMenuButton
Help Menu Button: to Help Topics & Index
BrightridgeButton
Brightridge button: to info about publisher, author, future releasesssssssss
dummy
"dummy"
B"LoanAmortization"
buttonUp
button
dummy
buttonUp
dummy
LoanAmortization
No, we're not really going there now. But that's the idea!
(click here to zap this)
zap this)
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
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leaveButton
Items
HowToUse
Items - Menus & Mice
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
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keyDown
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leaveButton
Items
HowToUse
Items - Menus & Mice
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Pinstripe&buttons
Help2
B"HelpMenu"
"TabKey"
"ShiftKey"
"SpaceBar"
"DeleteKey"
"HomeKey"
"EndKey"
"UpArrowKey"
"DownArrowKey"
"LeftArrowKey"
"RightArrowKey"
"PageUpKey"
"PageDownKey"
enterPage
leavePage
enterPage
HelpMenu
leavePage
TabKey
240,50,100
TabKey
0,100,0
ShiftKey
240,50,100
ShiftKey
0,100,0
SpaceBar
240,50,100
SpaceBar
0,100,0
DeleteKey
240,50,100
DeleteKey
0,100,0
HomeKey
240,50,100
HomeKey
0,100,0
EndKey
240,50,100
EndKey
0,100,0
UpArrowKey
240,50,100
UpArrowKey
0,100,0
DownArrowKey
240,50,100
DownArrowKey
0,100,0
LeftArrowKey
240,50,100
LeftArrowKey
0,100,0
RightArrowKey
240,50,100
RightArrowKey
0,100,0
PageUpKey
240,50,100
PageUpKey
0,100,0
PageDownKey
240,50,100
PageDownKey
0,100,0
#$&6(b*
6@6h6
HiField
Hi, Finance!
Help:
Page 21 -- Menus & Navigation
Using the Keyboard
HomeKey
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Home: to Main Menu Main Menu
PageUpKey
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Page Up:
to previous pageeding page
UpArrowKey
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Up Arrow:
to previous field or radio button choice..d choice.
LeftArrowKey
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Left Arrow:
to previous fieldd
3 I \
RightArrowKey
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Right Arrow: to next field
EndKey
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
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keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
End: to Brightridge Solutions info on last page
DownArrowKey
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
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Down Arrow: to next field or radio button choice
PageDownKey
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
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keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Page Down: to next page
Shift
Space
TabKey
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
j:":g:
Tab: to next field; used with shift key, to previous field
ShiftKey
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Shift: used with Tab key to move to previous field
SpaceBar
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Space Bar: to make menu selection or take action
Delete
DeleteKey
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Delete: used to clear entry in current field
Help3
B"HelpMenu"
"Label"
"EntryField"
"CheckBox"
"RadioButtons"
"OutputField"
"ClearButton"
"CalculateButton"
enterPage
leavePage
enterPage
HelpMenu
leavePage
Label
240,50,100
Label
0,100,0
EntryField
240,50,100
EntryField
0,100,0
CheckBox
240,50,100
CheckBox
0,100,0
RadioButtons
240,50,100
RadioButtons
0,100,0
OutputField
240,50,100
OutputField
0,100,0
ClearButton
240,50,100
ClearButton
0,100,0
CalculateButton
240,50,100
CalculateButton
0,100,0
Clear
Clear
Calculate
Calculate
HiField
Hi, Finance!
Help:
Page 32o -- Menus & Navigation
Entry & Output Fieldsssssssss
Net Present Value
NetPresentValue
35249
Output Fields
OutputField
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Output Field (cyan): gives results of calculations; non-modifiable
CalculateButton
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Calculate button: will complete all action for the page's process. "OK" buttons are similar.
ClearButton
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Clear button: will set all entry fields to null.
InterestRate
EnterField
"InterestRateHelp"
LeaveField
default
nterField
buttonup
EnterField
LeaveField
EnterField
InterestRateHelp
buttonup
InterestRateHelp
LeaveField
InterestRateHelp
default
8.00%
Entry Fields
EntryField
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Entry Field (white): type in entry and tab to next field or move mouse or up/down arrow keys.keys.
Label
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Label (dark red): describes entry; to learn more, click on label field to reveal help field (yellow). Try it now! it now!
Periods
Periods
PerRadioGroup
EnterField
0,30,100
0,30,100
0,30,100
EnterField
leaveField
EnterField
0,100,0
leaveField
Months
B"Months"
B"Years"
buttonUp
buttonUp
Months
Years
Months
Years
B"Months"
B"Years"
buttonUp
buttonUp
Months
Years
Years
RadioButtons
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Radio Buttons: (only one choice of group allowed): click selection with mouse or use up/down arrow keys to switch.
CheckBox
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Check Box: clicking mouse button or tapping space bar toggles feature on or off.
EnterButton
LeaveButton
B"HelpMenu"
EnterButton
LeaveButton
buttonUp
EnterButton
0,100,0
0,0,0
LeaveButton
0,0,0
0,100,0
buttonUp
HelpMenu
InterestRateHelp
"InterestRateHelp"
buttonup
buttonup
InterestRateHelp
The rate is the percentage by which the investment appreciates per year.
MortgagePmts
FVAnnuity
PVAnnuity
b=d=d=
("This investment covers how many periods?"
c"Cancel"
"Menu"
"NPV"
"Periods"
whichfield
<> 0
"Period0"
key, isShift, isCtrl
B"Clear"
keyDownArrow
"Brightridge"
keyEnter
B"Calculate"
whichever
"Rate"
"NetPresentValue"
"InternalRateofReturn"
"AnyHelp"
keyDown
enterPage
keyUp
leavePage
enterPage
This investment covers how many periods?
Cancel
Periods
Periods
Period0
j:to1
whichfield
keyDown
Period0
Clear
KkeyDown
Clear
Brightridge
Clear
Period0
Period0
KkeyDown
Brightridge
buttonUp
Calculate
KkeyDown
KkeyDown
Brightridge
whichever
isCtrl
isShift
keyUp
Period0
Period0
leavePage
Periods
Period0
NetPresentValue
InternalRateofReturn
AnyHelp
j:to1
whichfield
0r1t2
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Initial Investment:
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Cash Flow Year:
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Net Present Value
NetPresentValue
Initial Investment:
Period0
EnterField
LeaveField
"Period0"
nterField
LeaveField
EnterField
keyUp
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
keyUp
Period0
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Target Rate:
EnterField
"Rate"
LeaveField
>=1
4 /100
EnterField
LeaveField
EnterField
LeaveField
.050002
Calculate
PVFactor Rate, PeriodNum
1/(1+
4haltState
G" = 0
("Please enter the Target
whichfield
CumPV
"NetPresentValue"
"Periods"
" >= 1
"/100
cash flow
period"
Field "
",i)
CumPv +
"Period0"
%"###.00"
-- calculate IRR
StartTime
e) *
"*10 )
"TestValue"
"InternalRateofReturn"
V) >.5
-cumPV
) >1000
IRR-.002
) >100
) > 50
) > 25
) >10
) >5
) >1
) >.5
) < -1000
IRR+.0025
) < -100
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) < -50
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buttonUp
PVFactor
PVFactor
PeriodNum
buttonUp
Please enter the Target Rate
NetPresentValue
Periods
Please enter cash flow for period
.0000
PVFactor
CumPv
NetPresentValue
Period0
NetPresentValue
###.00
seconds
NetPresentValue
Period0
TestValue
NetPresentValue
InternalRateofReturn
InternalRateofReturn
0.0000
TestValue
Periods
PVFactor
CumPv
TestValue
Period0
cumPV
TestValue
TestValue
TestValue
TestValue
TestValue
TestValue
TestValue
TestValue
TestValue
TestValue
TestValue
TestValue
TestValue
TestValue
TestValue
TestValue
0.000000
InternalRateofReturn
InternalRateofReturn
0.0000
InternalRateofReturn
InternalRateofReturn
InternalRateofReturn
#0.0000 %
NowTime
i:to1
StartTime
CumPV
whichfield
haltState
Calculate
Clear
whichfield
"Periods"
"Period0"
"NetPresentValue"
"InternalRateofReturn"
"NPV"
buttonUp
buttonUp
Periods
Period0
NetPresentValue
InternalRateofReturn
enterPage
j:to1
whichfield
Clear
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Internal Rate of Return
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Years
InternalRateofReturn
Periods
EnterField
"Periods"
EnterField
EnterField
Periods
TestValue
0.43268515152703918
AnyHelp
"AnyHelp"
buttonup
buttonup
AnyHelp
Click on Page Title for definitionsssnitions
NPVHelp
ButtonUp
level
"NPVHelp"
ButtonUp
ButtonUp
NPVHelp
level
NPVHelp
5level
Evaluating Investments: NPV & IRR is designed to help the investor determine the attractiveness of various opportunities in which the annual paybacks are not equal to one another. Both the net present value and internal rate of return of the investment is calculated to provide the investor with two different tools upon which to evaluate the investments. The net present value is useful in providing a "dollar" figure to gauge the profitability of an opportunity above a certain desired rate of return. The internal rate of return provides a percentage figure useful in comparing projects of different sizes to one another. Both are only as good as the estimates of cash flows you provide.
Initial Investment: amount invested at outset. (Assumes cash outflow)
Cash Flow Year ___: that year's payback from the investment. Assumes cash inflow (use "-" if outflow)
Years: the life of the investment & payback. Here we are limited to 10 years.
Target Rate: the desired annual rate of return over the life of the investment & payback
Net Present Value: the present value of the excess or shortfall of paybacks compared to that achievable at the target rate. It is the sum of the present values of all the cash flows less the initial investment
Internal Rate of Return: the calculated rate at which the net present value of the investment is 0
he initial investment
Internal Rate of Return: the calculated rate at which the net present value of the investment is 0
Yearly amount expected from pensions: income expected from pensions and similar plans
Yearly amount expected from Social Security: if desired, estimate yearly benefits from Social Securiy
Amount available today to invest toward retirement: funds available for investment toward retirement
Calculated yearly amount needed to fund retirement goals: The calculated yearly investment needed ent needed
FVLumpSum
Brightridge
keyEnter
B"ReturnToMenu"
keyDown
keyDown
buttonUp
ReturnToMenu
ReturnToMenu
ButtonUp
"Menu"
ButtonUp
ButtonUp
Roger
"Roger"
buttonUp
buttonUp
Roger
Roger C. Hoover is the founder of Brightridge Solutions, Inc. and the programmer for Hi, Finance!
In addition, he is associated with the public accounting firm of Hoover Harrision Associates, P.C. in Kingsport, Tennessee. He is a member of the American Institute of Certified Public Accountants and the Tennessee Society of Certified Public Accountants.
He received a B.S. in Communications from the University of Tennessee and an M.B.A. from East Tennessee State University. Before entering the accounting profession, he worked in radio broadcasting and served as a News Secretary for two members of Congress, was State Coordinator for a presidential campaign, and was licensed to sell real estate, life insurance, and mutual funds.
Roger lives in Kingsport, Tennessee with his wife Susan Robinson Hoover, a professional musician, and his son Roger William Hoover, age two, who pretty much does what he pleases.
PC PowerWindows is a monthly magazine devoted to users of the Microsoft Windows and Presentation Manager environments.
For subscription and other information, contact:
PC PowerWindows
300 Snowbird Drive
P.O. Box 31547
Knoxville, TN 37930-1547
(615) 693-5829
Registered users of Hi, Finance! will receive a complimentary issue of PC PowerWindows.
Brightridge
CheckTool
Fg&g&gi
HowToUse
B"Menus&Mice"
key, isShift, isCtrl
placemarker
`ouseList"
B"SpecialGadgets"
"Items"
= - Using The Keyboard"
keyDownArrow
"Brightridge"
keyEnter
"Help1"
"SpecialGadgetsList"
- Entry & Output"
"Help4"
B"UsingTheKeyboard"
"UsingKeyboardList"
"Help2"
&OutputList"
"Help3"
-- Individual
Topics Scroll Lists
selectedTextState
WhatTerm
Selection"
"MenuSelection"
B(mouse)"
"BrightridgeButton"
"Hi, Finance!
"HiFiMenuButton"
"Previous Page
"PrevPageButton"
"Next
"NextPageButton"
"HelpMenuButton"
c"Tab key"
"TabKey"
"ShiftKey"
c"Space bar"
"SpaceBar"
c"Delete
"DeleteKey"
c"Home
"HomeKey"
c"End
"EndKey"
c"Up
"UpArrowKey"
"DownArrowKey"
c"Left
"LeftArrowKey"
c"Right
"RightArrowKey"
"PageUpKey"
"PageDownKey"
c"Label"
Field"
"EntryField"
c"Check Box"
"CheckBox"
c"Radio Buttons"
"RadioButtons"
"OutputField"
c"Clear
"ClearButton"
c"Calculate
"CalculateButton"
c"Cyan coding"
c"Dark Red
c"Yellow
"YellowCoding"
c"White
c"Combo boxes"
"ComboBoxes"
fields/Scrollbars"
"ScrollFields"
c"Up/
buttons"
"Up/DownButtons"
c"Dialog
"DialogBoxes"
terPage
keyDown
enterPage
leavePage
enterPage
Menus&Mice
NkeyDown
Menus&Mice
Menus&MouseList
SpecialGadgets
Items
Items - Special Gadgets
Menus&MouseList
Items
Items - Using The Keyboard
Menus&MouseList
KkeyDown
Items
Items - Using The Keyboard
Menus&MouseList
SpecialGadgets
Items
Items - Special Gadgets
Menus&MouseList
Brightridge
Menus&MouseList
Help1
SpecialGadgets
SpecialGadgetsList
Menus&Mice
Items
Items - Menus & Mice
SpecialGadgetsList
Items
Items - Entry & Output
SpecialGadgetsList
Menus&Mice
Items
Items - Menus & Mice
SpecialGadgetsList
KkeyDown
Items
Items - Entry & Output
SpecialGadgetsList
Brightridge
SpecialGadgetsList
Help4
UsingTheKeyboard
UsingKeyboardList
Items
Items - Entry & Output
UsingKeyboardList
Items
Items - Menus & Mice
UsingKeyboardList
KkeyDown
Items
Items - Entry & Output
UsingKeyboardList
KkeyDown
Items
Items - Menus & Mice
UsingKeyboardList
Brightridge
UsingKeyboardList
Help2
Entry&Output
Entry&OutputList
Items
Items - Special Gadgets
Entry&OutputList
Items
Items - Using The Keyboard
Entry&OutputList
KkeyDown
Items
Items - Special Gadgets
Entry&OutputList
KkeyDown
Items
Items - Using The Keyboard
Entry&OutputList
Brightridge
Entry&OutputList
Help3
Menus&MouseList
Menus&MouseList
Menus&MouseList
Menus&MouseList
Menus&Mice
Menus&MouseList
Menus&MouseList
Menu Selection
Help1
MenuSelection
0,0,0
MenuSelection
60,50,100
Brightridge button (mouse)
Help1
BrightridgeButton
0,0,0
BrightridgeButton
60,50,100
Hi, Finance! Menu button (mouse)
Help1
HiFiMenuButton
0,0,0
HiFiMenuButton
60,50,100
Previous Page button (mouse)
Help1
PrevPageButton
0,0,0
PrevPageButton
60,50,100
Next Page button (mouse)
Help1
NextPageButton
0,0,0
NextPageButton
60,50,100
Help Menu button (mouse)
Help1
HelpMenuButton
0,0,0
HelpMenuButton
60,50,100
UsingKeyboardList
UsingKeyboardList
UsingKeyboardList
UsingKeyboardList
UsingTheKeyboard
UsingKeyboardList
UsingKeyboardList
Tab key
Help2
TabKey
0,0,0
TabKey
60,50,100
Shift key
Help2
ShiftKey
0,0,0
ShiftKey
60,50,100
Space bar
Help2
SpaceBar
0,0,0
SpaceBar
60,50,100
Delete key
Help2
DeleteKey
0,0,0
DeleteKey
60,50,100
Home key
Help2
HomeKey
0,0,0
HomeKey
60,50,100
End key
Help2
EndKey
0,0,0
EndKey
60,50,100
Up Arrow key
Help2
UpArrowKey
0,0,0
UpArrowKey
60,50,100
Down Arrow key
Help2
DownArrowKey
0,0,0
DownArrowKey
60,50,100
Left Arrow key
Help2
LeftArrowKey
0,0,0
LeftArrowKey
60,50,100
Right Arrow key
Help2
RightArrowKey
0,0,0
RightArrowKey
60,50,100
Page Up key
Help2
PageUpKey
0,0,0
PageUpKey
60,50,100
Page Down key
Help2
PageDownKey
0,0,0
PageDownKey
60,50,100
Entry&OutputList
Entry&OutputList
Entry&OutputList
Entry&OutputList
Entry&Output
Entry&OutputList
Entry&OutputList
Label
Help3
Label
0,0,0
Label
60,50,100
Entry Field
Help3
EntryField
0,0,0
EntryField
60,50,100
Check Box
Help3
CheckBox
0,0,0
CheckBox
60,50,100
Radio Buttons
Help3
RadioButtons
0,0,0
RadioButtons
60,50,100
Output Field
Help3
OutputField
0,0,0
OutputField
60,50,100
Clear button
Help3
ClearButton
0,0,0
ClearButton
60,50,100
Calculate button
Help3
CalculateButton
0,0,0
CalculateButton
60,50,100
Cyan coding
Help3
OutputField
0,0,0
OutputField
60,50,100
Dark Red coding
Help3
Label
0,0,0
Label
60,50,100
Yellow coding
Help3
YellowCoding
0,0,0
YellowCoding
60,50,100
White coding
Help3
EntryField
0,0,0
EntryField
60,50,100
SpecialGadgetsList
SpecialGadgetsList
SpecialGadgetsList
SpecialGadgetsList
SpecialGadgets
SpecialGadgetsList
SpecialGadgetsList
Combo boxes
Help4
ComboBoxes
0,0,0
ComboBoxes
60,50,100
Scroll fields/Scrollbars
Help4
ScrollFields
0,0,0
ScrollFields
60,50,100
Up/Down buttons
Help4
Up/DownButtons
0,0,0
Up/DownButtons
60,50,100
Dialog boxes
Help4
DialogBoxes
0,0,0
DialogBoxes
60,50,100
WhatTerm
placemarker
isCtrl
isShift
leavePage
UsingTheKeyboard
Entry&Output
SpecialGadgets
B|B0C
f2l2l2l
HiField
Hi, Finance!
Help:
How To Use
Topics & Index
CategoryComboList
RESETBORDERSTYLE
4u, l, tl, m
4u, l, tl, m, svTextLineNumber
+ <= u + 15
+ 1)
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svTextLIneNumber > 0
"CategoryComboLabel"
ESETBORDERSTYLE
buttondown
buttonstilldown
RESETBORDERSTYLE
buttonup
RESETBORDERSTYLE
scrolling
rectangle
buttondown
buttonstilldown
textfrompoint
svTextLineNumber
buttonup
textfrompoint
svTextLIneNumber
CategoryComboLabel
svTextLineNumber
Menu selection
Brightridge button (mouse)
Hi, Finance! menu button (mouse)
Previous Page button (mouse)
Next Page button (mouse)
Help Menu button (mouse)
BlankList
RESETBORDERSTYLE
4u, l, tl, m
4u, l, tl, m, svTextLineNumber
+ <= u + 15
+ 1)
c >= l - 15
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svTextLIneNumber > 0
WhatTerm
"SelectedTopic"
keyEnter
"Menus&MouseList"
ESETBORDERSTYLE
buttondown
buttonstilldown
RESETBORDERSTYLE
buttonup
RESETBORDERSTYLE
scrolling
rectangle
buttondown
buttonstilldown
textfrompoint
svTextLineNumber
buttonup
textfrompoint
svTextLIneNumber
SelectedTopic
KkeyDown
Menus&MouseList
WhatTerm
svTextLineNumber
ection
Brightridge button (mouse)
Hi, Finance! Menu button (mouse)
Previous Page button (mouse)
Next Page button (mouse)
Help Menu button (mouse)
MortgageCalculator
0,30,100
Menus & Mouse Usage
Mortgage Loan Calculatorlatorrrrrrrrrrrrr
LoanAmort
Using the Keyboardn
LifeInsurance
Entry & Output Fields
Retirement
Special Gadgets
irement
Menus&Mice
"Menus&MouseList"
ButtonUp
"Help1"
enterButton
ButtonUp
leaveButton
enterButton
Menus&MouseList
ButtonUp
Menus&MouseList
Help1
leaveButton
UsingTheKeyboard
"UsingKeyboardList"
ButtonUp
"Help2"
enterButton
ButtonUp
leaveButton
enterButton
UsingKeyboardList
ButtonUp
UsingKeyboardList
Help2
leaveButton
Entry&Output
ButtonUp
"Entry&OutputList"
"Help3"
tonUp
enterButton
ButtonUp
leaveButton
ButtonUp
Entry&OutputList
Help3
enterButton
Entry&OutputList
leaveButton
SpecialGadgets
ButtonUp
"SpecialGadgetsList"
"Help4"
"Menus&MouseList"
"UsingKeyboardList"
"Entry&OutputList"
tonUp
enterButton
ButtonUp
leaveButton
ButtonUp
SpecialGadgetsList
Help4
enterButton
SpecialGadgetsList
leaveButton
Menus&MouseList
RESETBORDERSTYLE
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4u, l, tl, m
4u, l, tl, m, svTextLineNumber
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WhatTerm
keyEnter
"Menus&MouseList"
RDERSTYLE
enterField
buttondown
RESETBORDERSTYLE
buttonstilldown
buttonup
RESETBORDERSTYLE
scrolling
rectangle
enterField
buttondown
buttonstilldown
textfrompoint
svTextLineNumber
buttonup
textfrompoint
svTextLIneNumber
KkeyDown
Menus&MouseList
WhatTerm
svTextLineNumber
Menu Selection
Brightridge button (mouse)
Hi, Finance! Menu button (mouse)
Previous Page button (mouse)
Next Page button (mouse)
Help Menu button (mouse)
Topics
Items
Items - Menus & Miceyboard
Select desired topic on left, or use right arrow key to shift focus to scroll list. Pick item to highlight on its page. Left arrow key or Topics title button restores focus to Topics list..to Topics list.s to Topics list.
UsingKeyboardList
RESETBORDERSTYLE
+ 1)
4u, l, tl, m
4u, l, tl, m, svTextLineNumber
+ <= u + 15
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WhatTerm
keyEnter
B"UsingTheKeyboard"
"HowToUse"
RDERSTYLE
enterField
buttondown
RESETBORDERSTYLE
buttonstilldown
buttonup
RESETBORDERSTYLE
scrolling
rectangle
enterField
buttondown
buttonstilldown
textfrompoint
svTextLineNumber
buttonup
textfrompoint
svTextLIneNumber
KkeyDown
UsingTheKeyboard
HowToUse
WhatTerm
svTextLineNumber
Tab key
Shift key
Space bar
Delete key
Home key
End key
Up Arrow key
Down Arrow key
Left Arrow key
Right Arrow key
Page Up key
Page Down key (mouse)
Entry&OutputList
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svTextLIneNumber > 0
WhatTerm
"Entry&OutputList"
keyEnter
RDERSTYLE
enterField
buttondown
RESETBORDERSTYLE
buttonstilldown
buttonup
RESETBORDERSTYLE
scrolling
rectangle
enterField
buttondown
buttonstilldown
textfrompoint
svTextLineNumber
buttonup
textfrompoint
svTextLIneNumber
KkeyDown
Entry&OutputList
WhatTerm
svTextLineNumber
Label
Entry Field
Check Box
Radio Buttons
Output Field
Clear button
Calculate button
Cyan coding
Dark Red coding
Yellow coding
White coding
SpecialGadgetsList
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4u, l, tl, m, svTextLineNumber
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WhatTerm
"SpecialGadgetsList"
keyEnter
"SelectedTopic"
enterField
buttondown
RESETBORDERSTYLE
buttonstilldown
buttonup
buttonDoubleClick
RESETBORDERSTYLE
scrolling
rectangle
enterField
buttondown
buttonstilldown
textfrompoint
svTextLineNumber
buttonup
textfrompoint
svTextLIneNumber
SpecialGadgetsList
KkeyDown
WhatTerm
svTextLineNumber
buttonDoubleClick
SelectedTopic
KkeyDown
WhatTerm
svTextLineNumber
Combo boxes
Scroll fields/Scrollbars
Up/Down buttons
Dialog boxes
B"Menus&Mice"
buttonUp
buttonUp
Menus&Mice
tonUp
Menus&Mice
LifeInsurance
"AppreciationRate"
key, isShift, isCtrl
B"Clear"
keyDownArrow
"Menu"
"Brightridge"
keyEnter
B"Calculate"
"FinalExpenses"
"LumpSum"
"MortgagePayOff"
"InflationRate"
"LivingExpenses1"
"LivingExpenses2"
"LivingExpenses3"
"LivingPeriod1"
"LivingPeriod2"
"LivingPeriod3"
"OtherIncome"
"OtherAvailableSum"
"SocialSecurity1"
"SocialSecurity2"
"SocialSecurity3"
"SocialSecurityPeriod1"
"AnyHelp"
keyDown
enterPage
keyUp
leavePage
enterPage
AppreciationRate
e keyDown
AppreciationRate
Clear
KkeyDown
Clear
Brightridge
Clear
AppreciationRate
AppreciationRate
KkeyDown
Brightridge
buttonUp
Calculate
KkeyDown
KkeyDown
Brightridge
isCtrl
isShift
' keyUp
FinalExpenses
FinalExpenses
LumpSum
LumpSum
MortgagePayOff
MortgagePayOff
AppreciationRate
InflationRate
InflationRate
LivingExpenses1
LivingExpenses1
LivingExpenses2
LivingExpenses2
LivingExpenses3
LivingExpenses3
LivingPeriod1
LivingPeriod1
LivingPeriod2
LivingPeriod2
LivingPeriod3
LivingPeriod3
OtherIncome
OtherIncome
OtherAvailableSum
OtherAvailableSum
SocialSecurity1
SocialSecurity1
SocialSecurity2
SocialSecurity2
SocialSecurity3
SocialSecurity3
SocialSecurityPeriod1
SocialSecurityPeriod1
SocialSecurityPeriod2
SocialSecurityPeriod2
SocialSecurityPeriod3
SocialSecurityPeriod3
leavePage
AnyHelp
V`S`S`S`S`S
Life&Death
"InsuranceHelp"
buttonUp
buttonUp
InsuranceHelp
InsuranceHelp
Matters of Life & Death: Life Insurance
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Assumed Appreciation Rateion
Assumed Inflation Rate
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Final Expenses
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Other Lump Sum Needed at Death
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Pay-Off Mortgage & Debts
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Yearly Survivors' Living Expenses:::::::::::ors:
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Period 1 for years Period 2 for years
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Period 2 for years Period 2 for years
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Period 3 for years Period 2 for years
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Other Yearly Income
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Other Funds Availableeee
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Social Security Survivors Benefits: riod 1 for years
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Period 1 for years Period 2 for years
Button
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Period 2 for years Period 2 for years
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Period 3 for years Period 2 for years
AppreciationRate
EnterField
<47
> 57
"AppreciationRate"
LeaveField
nterField
keyChar
EnterField
LeaveField
EnterField
0,100,0
0,0,0
keyChar
AppreciationRate
LeaveField
0,0,0
0,100,0
.080002
InflationRate
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
.050002
FinalExpenses
9/ Y0
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
LumpSum
9:9Y1
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
50000
MortgagePayOff
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
65000
LivingExpenses1
;,4Y5
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
200000
LivingPeriod1
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
LivingExpenses2
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
150000
LivingPeriod2
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
LivingExpenses3
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
120000
LivingPeriod3
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
25000
OtherIncome
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
12000
OtherAvailableSum
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
200000
SocialSecurity1
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
100000
SocialSecurityPeriod1
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
10000
SocialSecurity2
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
00000
SocialSecurityPeriod2
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
SocialSecurity3
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
60000
SocialSecurityPeriod3
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
25000
Calculate
"AppreciationRate"
("Please enter the
R>= 1
h/100
"InflationRate"
B>= 1
Z/100
"LivingExpenses1"
amount
living expenses
period"
"LivingPeriod1"
years
-- Get PV
Field "
PVLivingExpenses1
LivingExpenses2
AdjLivingExpenses2
LivingPeriod2")
PVLivingExpenses2
LivingExpenses3
AdjLivingExpenses3
LivingPeriod3")
PVLivingExpenses3
OtherIncome
PVOtherIncome
SocialSecurity1
"SocialSecurityPeriod1")
PVSocialSecurity1
SocialSecurity2
AdjSocialSecurity2
PVSocialSecurity2
SocialSecurity3
d2")\
AdjSocialSecurity3
d3")
PVSocialSecurity3
Net Amount
Life Insurance Needed
"FinalExpenses",
"LumpSum",\
"MortgagePayoff",
"OtherAvailableSum", -
"LifeInsuranceNeeded"
%"$ 000,000"
buttonUp
buttonUp
AppreciationRate
AppreciationRate
Please enter the Rate of Appreciation
AppreciationRate
AppreciationRate
AppreciationRate
AppreciationRate
AppreciationRate
.0000
InflationRate
InflationRate
Please enter the Rate of Inflation
InflationRate
InflationRate
InflationRate
InflationRate
InflationRate
.0000
LivingExpenses1
Please enter amount of living expenses for the first period
LivingExpenses1
LivingPeriod1
Please enter number of years in first living expense period
LivingPeriod1
AppreciationRate
InflationRate
LivingPeriod1
LivingExpenses1
InflationRate
LivingPeriod1
LivingExpenses2
AppreciationRate
InflationRate
LivingPeriod2
InflationRate
LivingPeriod1
LivingPeriod2
LivingExpenses3
AppreciationRate
InflationRate
LivingPeriod3
AppreciationRate
InflationRate
LivingPeriod1
LivingPeriod2
LivingPeriod3
OtherIncome
InflationRate
SocialSecurityPeriod1
SocialSecurity1
InflationRate
SocialSecurityPeriod1
SocialSecurity2
InflationRate
SocialSecurity2
InflationRate
SocialSecurityPeriod1
SocialSecurityPeriod2
SocialSecurity3
InflationRate
SocialSecurityPeriod3
FinalExpenses
LumpSum
MortgagePayoff
OtherAvailableSum
LifeInsuranceNeeded
LifeInsuranceNeeded
$ 000,000
PVSocialSecurity3
AdjSocialSecurity3
PVSocialSecurity2
AdjSocialSecurity2
PVSocialSecurity1
PVOtherIncome
PVLivingExpenses3
AdjLivingExpenses3
PVLivingExpenses2
AdjLivingExpenses2
PVLivingExpenses1
Calculate
Clear
"Principal"
"Rate"
"Periods"
"FutureValue"
buttonUp
buttonUp
Principal
Periods
FutureValue
Principal
Clear
"AnyHelp"
buttonUp
buttonUp
AnyHelp
Total life insurance coverage needed
LifeInsuranceNeeded
$ 372,55767
"AnyHelp"
buttonUp
buttonUp
AnyHelp
AnyHelp
Click on page title for definitionsfinitions
"AnyHelp"
buttonup
buttonup
AnyHelp
InsuranceHelp
ButtonUp
level
"InsuranceHelp"
ButtonUp
ButtonUp
InsuranceHelp
level
InsuranceHelp
Wlevel
This Life Insurance module is intended to serve a starting point in your planning of life insurance needs. Because of the limitations here, there are many other factors you should consider. We have included some of the major items, however. Life insurance is more properly viewed as death insurance -- to protect your family in the case of your death. Much of this protection is to replace lost earnings. The calculations provide adjustments for inflation and investment earning. We urge you to consider buying low-cost term insurance from a reputable company rather than attempting to mix insurance and investments as if found in whole and universal life plans. Another thing to consider: your situation is constantly changing. Your financial planning should reflect those continuing changes.
Assumed Appreciation Rate: the yearly rate at which your invested funds grow
Assumed Inflation Rate: the yearly rate at which your money loses its buying power
Final Expenses: those funds needed for such things as funeral & burial expenses & estate expenses
Other Lump Sum Needed: funds desired to fund other goals at your death
Pay-Off Mortgage & Debts: if desired, amount to pay off mortgage and/or other debts
Other Yearly Income: family income expected (like spouse' salary) in addition to that provided from estate
Other Funds Available: other funds available now for investment toward estate needs
Yearly Survivors' Living Expenses: your family's living expenses after you're gone -- as needs change
Social Security Survivors' Benefits: if desired, estimate benefits from Social Securiy
Total Life Insurance Coverage Needed: The calculated total face amount of life insurance needed nowayach payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
LifeInsurance
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Life&Death
"RetirementHelp"
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RetirementHelp
RetirementHelp
Matters of Life & Death: Retirementance
Note: all amounts are in
today's dollarss
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Years until retirement
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Life Expectancy (post-retirement)
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Assumed Appreciation Rateion
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Yearly Amount expected from Pensionss
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Yearly Amount expected from Social Security
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Amount available today to invest toward Retirement
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Calculated Yearly Amount Needed to fund Retirement Goals
YearsToRetire
2!,YD
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
LifeExpectancy
2-9YE
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
AppreciationRate
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
.080002
InflationRate
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
.050002
YearlyNeeds
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
35000
LumpSum
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
150000
Pension
37GYJ
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
12000
SocialSecurity
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
10000
AvailableNow
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
50000
Calculate
RequiredPayment Rate, Periods, FutureValue
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"AppreciationRate"
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T>= 1
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"InflationRate"
B>= 1
Z/100
"YearsToRetire"
expected
years
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"LifeExpectancy"
life expectancy following
"YearlyNeeds"
yearly amount needed
living expenses"
"LumpSum"
lump
Prequired upon
"Pension"
your
pension benefit"
"SocialSecurity"
"AvailableNow"
have now available
-- Adjust amounts
inflation
Field "
AdjYearlyNeeds
AdjLumpSum
AdjPension
AdjSocialSecurity
-- Get PV
PVAdjYearlyNeeds
PVAdjPension
PVAdjSocialSecurity
AmountToRetire
today's investible
AdjAvailableNow
net deficit
RetirementDeficit
ayments
fund
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)*-1
"RequiredYearly"
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RequiredPayment
RequiredPayment
FutureValue
Periods
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AppreciationRate
AppreciationRate
Please enter the Rate of Appreciation
AppreciationRate
AppreciationRate
AppreciationRate
AppreciationRate
AppreciationRate
.0000
InflationRate
InflationRate
Please enter the Rate of Inflation
InflationRate
InflationRate
InflationRate
InflationRate
InflationRate
.0000
YearsToRetire
Please enter expected number of years before retirement
YearsToRetire
LifeExpectancy
Please enter life expectancy following retirement
LifeExpectancy
YearlyNeeds
Please enter the yearly amount needed for living expenses
YearlyNeeds
LumpSum
Please enter lump sum amount required upon retirement
LumpSum
Pension
Please enter your expected yearly pension benefit
Pension
SocialSecurity
Please enter your expected Social Security retirement benefit
SocialSecurity
AvailableNow
Please enter the amount you have now available for retirement
AvailableNow
InflationRate
YearsToRetire
YearlyNeeds
LumpSum
Pension
SocialSecurity
AppreciationRate
InflationRate
LifeExpectancy
AppreciationRate
YearsToRetire
AvailableNow
AppreciationRate
YearsToRetire
RequiredPayment
RequiredYearly
RetirementDeficit
AdjAvailableNow
AmountToRetire
PVAdjSocialSecurity
PVAdjPension
PVAdjYearlyNeeds
AdjSocialSecurity
AdjPension
AdjLumpSum
AdjYearlyNeeds
Calculate
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"Principal"
"Rate"
"Periods"
"FutureValue"
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Principal
Periods
FutureValue
Principal
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RequiredYearly
3553226
"AnyHelp"
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Note: all amounts are in today's dollarssssssss?;
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Click on Page Title for definitionsssnitions
"AnyHelp"
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RetirementHelp
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"RetirementHelp"
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RetirementHelp
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RetirementHelp
Elevel
This Retirement module is a very simplified approach to planning retirement needs. There are undoubtably many other factors that should be considered, so consider this as a first step. The calculations here take into consideration effects of inflation and investment opportunities, but real life is much more complex. The main thing to remember is that the best tool in building your retirement nest-egg is to "pay yourself first" by setting aside amounts from each paycheck so that the investment fund may grow over time. Avoid "get rich quick" schemes and the temptation to panic over temporary downturns in various investment vehicles. Also please note that this module does not take into consideration the effects of taxes. If we've learned anything at all about taxes, we've learned that they are subject to change.
Years until retirement: the planned number of years until your retirement
Life expectancy (post-retirement): the number of years you'll need to provide for yourself after retirement
Assumed appreciation rate: the yearly rate at which your investments grow
Assumed inflation rate: the yearly rate at which your money loses its buying power
Yearly retirement expenses: money (today's dollars) needed to fund desired lifestyle after retirement
Lump sum needed at retirement: funds desired to fund other goals at your retirement
Yearly amount expected from pensions: income expected from pensions and similar plans
Yearly amount expected from Social Security: if desired, estimate yearly benefits from Social Securiy
Amount available today to invest toward retirement: funds available for investment toward retirement
Calculated yearly amount needed to fund retirement goals: The calculated yearly investment needed : The calculated total face amount of life insurance needed now
1990, Brightridge Solutions, Inc. Technical Support (615) 246-3337
Tech. Support: (615) 246-3337
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&((N)
InflationTitle
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InflationHelp
How Inflation Robs your Dollar
EnterField
"FutureValueHelp"
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default
nterField
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FutureValueHelp
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Value Then
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"YearsHelp"
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nterField
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YearsHelp
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Years
InterestRate
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"InflationRateHelp"
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nterField
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InflationRateHelp
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Inflation Rate
PrincipalLabel
"PrincipalHelp"
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Value Today
FutureValue
$ 538,615110000011,277,000,000,000
Principal
EnterField
"Principal"
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%"$#,000"
("Please enter the Amount
Today's Money"
Xtoday's value between $1
$10,000,000"
EnterField
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EnterField
0,100,0
0,0,0
LeaveField
Principal
Please enter the Amount of Today's Money
Principal
Principal
Principal
Please enter the today's value between $1 and $10,000,000
Principal
0,0,0
0,100,0
1000000
EnterField
"Rate"
LeaveField
8 = 0
("Please enter the
Appreciation"
~ <1
*100
CalcRate
%"##.00%"
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
Please enter the Rate of Appreciation
0,0,0
0,100,0
##.00%
CalcRate
6.00 %2
Periods
EnterField
"Periods"
EnterField
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EnterField
0,100,0
0,0,0
leaveField
0,0,0
0,100,0
Calculate
"Principal"
("Please enter the Value Today"
"Rate"
Inflation"
@>= 1
X/100
CalcRate
%"##.00%"
"Periods"
years"
Field "
"FutureValue"
%"$ #,###"
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Principal
Please enter the Value Today
Principal
Please enter the Rate of Inflation
##.00%
Periods
Please enter the number of years
Periods
Periods
Principal
FutureValue
FutureValue
$ #,###
CalcRate
Calculate
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"Principal"
"Rate"
"Periods"
"FutureValue"
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FutureValue
Principal
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"FutureValueHelp"
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FutureValueHelp
"Value Then" refers to the buying power of a sum of money at a time in the future after accounting for inflation. appreciation.
PrincipalHelp
"PrincipalHelp"
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PrincipalHelp
Value today refers to a sum of money in today's dollars.
InflationRateHelp
"InflationRateHelp"
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InflationRateHelp
The inflation rate refers to the estimated rate of inflation per year.r.
YearsHelp
"YearsHelp"
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YearsHelp
Years is just what it sounds like... the
InflationHelp
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"InflationHelp"
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InflationHelp
f*level
^-v*[-
When making financial calculations like these, it is quite easy to get excited when one sees how easy it is to accumulate sums of perhaps a million dollars over the years. To bring things back to earth, you must remember that inflation is gnawing at the buying power of that million dollars.
To illustrate, if you left a million dollars sitting around today and inflation averaged just four percent a year, in twenty years its buying power would be just $442,000. At eight percent, it would be worth only $188,693 in today's dollars.
Thus, it is very important to base your investment and protection decisions on the value of the dollars in that future time period. This page can assist you in adjusting those values.
Please be patient. This is one of those times when Toolbook is rather slow. You may want to go get a cup of coffee while Hi, Finance! prints your schedule on the scrolled schedule field. (On a 20MHz 386, a 30-year schedule takes about 2 minutes.)
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"AnyHelp"
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AnyHelp
Click on "Loan Amortization" for definitions
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utton
EnterButton
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EnterButton
0,100,0
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0,100,0
"LoanAmortizationHelp"
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LoanAmortizationHelp
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments. This module may run slowly, so a progress indicator is provided.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loanhly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
This loan amortization module will prepare a schedule of monthly loan payments, detailing the portion of each payment being applied to interest and principal and the resulting loan balance. It will handle regular fixed-rate mortgages. It is one of the slowest-running modules in this program, but a graphic progress indicator is provided.
In an amortized loan, the amount of the monthly payments is calculated. From this payment, the monthly interest on the principal balance is calculated. Anything remaining from the monthly payment is used to reduce the principal balance, thereby reducing future interest amounts and freeing more of future payments to further reduce principal. At the conclusion of the loan pay-back period, the balance of the loan should be zero, that amount having been applied to reduce the principal balance. The remaining portions of the cumulative payments thus represent interest payments.
Loan Amount: the original amount of the loan or principal
Interest Rate: the annual rate of interest applied
Loan Length: the period of time over which the loan is repaid
Payment Amt: the monthly payment as calculated by the program
Beep on finish: toggles "X" on or off to indicated whether to beep when the amortization routine concludes
1st Payment: the date of the first monthly payment - one month after loan date
Pmt #: Monthly payment number
Pmt Date: Date of the monthly payment
To Interest: Amount of monthly payment applied to interest
To Principal: Amount of monthly payment applied to reduce principal balance
Balance: Remaining amount owed on loan
level
Help4
B"HelpMenu"
"ComboBoxes"
"ScrollFields"
"Up/DownButtons"
"DialogBoxes"
enterPage
leavePage
enterPage
HelpMenu
leavePage
ComboBoxes
240,50,100
ComboBoxes
0,100,0
ScrollFields
240,50,100
ScrollFields
0,100,0
Up/DownButtons
240,50,100
Up/DownButtons
0,100,0
DialogBoxes
240,50,100
DialogBoxes
0,100,0
HiField
Hi, Finance!
Help:
Page 4hree- Menus & Navigation
Special Gadgets & Gadeossssss
scrollField
keyDownArrow
"scrollfield"
nterField
keyDown
enterField
leaveField
enterField
60,50,100
keyDown
scrollfield
scrollfield
scrollfield
scrollfield
scrollfield
scrollfield
scrollfield
scrollfield
scrollfield
scrollfield
leaveField
0,100,0
level
When you see a scroll bar on the right or bottom of a field, it indicates that there is probably more to see than can be shown within the confines of that field on the screen.
You can click the up or down arrows or drag the "thumb" to scroll the field's contents, or use the arrow keys or "page up" and "page down" keys. Make sure you don't miss something important!
Scroll Fields
ScrollFields
"HowToUse"
B"HelpMenu"
"Items"
- Menus & Mice"
tonUp
keyDown
buttonUp
leaveButton
buttonUp
HowToUse
keyDown
HelpMenu
leaveButton
Items
HowToUse
Items - Menus & Mice
Scroll bars:
Using the mouse, point at arrow & hold down left button or drag "thumb" to reach destination. On keyboard, use up/down arrows or PageUp & PageDown keys..
The rate is the annual rate of appreciation on the investment.erest on an annual basis..
PaymentHelp
"PaymentHelp"
buttonup
buttonup
PaymentHelp
Payment Amount refers to the amount of regular periodic investments. loan.
FutureValueHelp
"FutureValueHelp"
buttonup
buttonup
FutureValueHelp
Future Value is the accumulated value of the investment at the end of the investment period.
PeriodsHelp
"PeriodsHelp"
buttonup
buttonup
PeriodsHelp
Periods are the years or months over which the investments are made.d.
FVAnnuityHelp
ButtonUp
level
"FVAnnuityHelp"
ButtonUp
ButtonUp
FVAnnuityHelp
level
FVAnnuityHelp
6level
This module, Future value of regular investments, shows how making regular periodic investments can pay off in accumulated savings or investments. It is similar in concept to the preceding module, "Today's investment grows", except here the amount invested is contributed to each period throughout the period of investment. Technically, we are calculating the future value of an annuity.
An important concept here is that considerable funds can be built through regular investments even if there is no large lump sum available. You should "pay yourself first" by investing a portion of each paycheck before you can blow the cash.
onus hint: a quick way to calculate growing investments is a little tool called the "Rule of 72": take the number 72 and divide it by the rate of appreciation (e.g., 8 percent). The result (9, in this case) is the approximate number of years it takes for the investment to double itself..
"FVAnnuityHelp"
buttonUp
buttonUp
FVAnnuityHelp
FVAnnuityHelp
PVAnnuity
EnterPage
"Rate"
%"#.00"
"Payments"
key, isShift, isCtrl
B"Clear"
keyDownArrow
"Menu"
"Brightridge"
"PmtRadioGroup"
B"PerMonth"
B"PerYear"
"PerRadioGroup"
B"Months"
B"Years"
keyEnter
B"Calculate"
"Periods"
"PresentValueHelp"
"PaymentHelp"
"InterestRateHelp"
"PeriodsHelp"
keyDown
EnterPage
keyUp
leavePage
EnterPage
Payments
keyDown
Payments
Clear
KkeyDown
Clear
KkeyDown
KkeyDown
Brightridge
Clear
Payments
Payments
KkeyDown
KkeyDown
KkeyDown
Brightridge
PmtRadioGroup
buttonUp
PerMonth
buttonUp
PerYear
KkeyDown
KkeyDown
Brightridge
PerRadioGroup
buttonUp
Months
buttonUp
Years
KkeyDown
KkeyDown
Brightridge
Calculate
buttonUp
Calculate
KkeyDown
KkeyDown
KkeyDown
KkeyDown
Brightridge
isCtrl
isShift
keyUp
Payments
Payments
Periods
Periods
leavePage
PresentValueHelp
PaymentHelp
InterestRateHelp
PeriodsHelp
,0.l/
"PresentValueHelp"
buttonUp
buttonUp
PresentValueHelp
Present Value
"InterestRateHelp"
buttonUp
buttonUp
InterestRateHelp
Rate
"PaymentHelp"
buttonUp
buttonUp
PaymentHelp
Payment Amounttaym........
"PeriodsHelp"
buttonUp
buttonUp
PeriodsHelp
Periods
Payments
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
PmtRadioGroup
EnterField
0,30,100
0,30,100
0,30,100
EnterField
leaveField
EnterField
0,100,0
leaveField
Periods
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
PerRadioGroup
EnterField
0,30,100
0,30,100
0,30,100
EnterField
leaveField
EnterField
0,100,0
leaveField
&5^Y]
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
.10000
Calculate
"Rate" =0
("Please enter
Appreciation"
"Payments"
cpayment amount"
"Periods"
Jperiods"
>= 1
B"PerMonth"
PeriodsPerYear
B"Months"
Multiplier
Field "
"PresentValue"
%"$#,000"
buttonUp
buttonUp
Please enter Rate of Appreciation
.0000
Payments
Payments
Please enter payment amount
Payments
Periods
Periods
Please enter the number of payment periods
Periods
.0000
Periods
Periods
PerMonth
Months
Periods
Payments
PresentValue
PresentValue
$#,000
Multiplier
PeriodsPerYear
Calculate
Clear
"Payments"
"Rate"
"Periods"
"FutureValue"
buttonUp
buttonUp
Payments
Periods
FutureValue
Payments
Clear
PresentValue
$119,69579,485
Present Value of Regular Payments
Future Value of Regular Payments
PerMonth
B"PerMonth"
B"PerYear"
B"Months"
B"Years"
buttonUp
buttonUp
PerMonth
PerYear
Months
Years
/Month
PerYear
B"PerMonth"
B"PerYear"
B"Months"
B"Years"
buttonUp
buttonUp
PerMonth
PerYear
Months
Years
/Year
Years
B"Months"
B"Years"
buttonUp
buttonUp
Months
Years
Years
Months
B"Months"
B"Years"
buttonUp
buttonUp
Months
Years
Months
PaymentHelp
"PaymentHelp"
buttonup
buttonup
PaymentHelp
Payment Amount refers to the amount of regular periodic investments. loan.
InterestRateHelp
"InterestRateHelp"
buttonup
buttonup
InterestRateHelp
The rate is the annual rate of appreciation on the investment.erest on an annual basis..
PeriodsHelp
"PeriodsHelp"
buttonup
buttonup
PeriodsHelp
Periods are the years or months over which the investments are made.d.
PresentValueHelp
"PresentValueHelp"
buttonup
buttonup
PresentValueHelp
Present Value is the value of the payments over the course of the investment discounted to the present.time
"PVAnnuityHelp"
buttonUp
buttonUp
PVAnnuityHelp
PVAnnuityHelp
PVAnnuityHelp
ButtonUp
level
"PVAnnuityHelp"
ButtonUp
ButtonUp
PVAnnuityHelp
level
PVAnnuityHelp
6level
This module, Present value of regular investments, is another way of showing how making regular periodic investments can pay off in accumulated savings or investments. It is similar in concept to the preceding module, "Future value of regular payments", except here we discount the compounded value of those payments back to the equivalent lump sum necessary to invest today at the same rate to equal the same cash accumulation at the end of the investment period.
mportant concept here is that considerable funds can be built through regular investments even if there is no large lump sum available. You should "pay yourself first" by investing a portion of each paycheck before you can blow the cash.
lled the "Rule of 72": take the number 72 and divide it by the rate of appreciation (e.g., 8 percent). The result (9, in this case) is the approximate number of years it takes for the investment to double itself..
ReqPmtAmt
EnterPage
"FutureValue"
key, isShift, isCtrl
B"Clear"
keyDownArrow
"Menu"
"Brightridge"
keyEnter
B"Calculate"
"PmtRadioGroup"
B"PerMonth"
B"PerYear"
"PerRadioGroup"
B"Months"
B"Years"
"Rate"
"Periods"
"FutureValueHelp"
"PaymentHelp"
"InterestRateHelp"
"PeriodsHelp"
keyDown
EnterPage
keyUp
leavePage
EnterPage
FutureValue
keyDown
FutureValue
Clear
KkeyDown
Clear
KkeyDown
KkeyDown
Brightridge
buttonUp
Calculate
Clear
FutureValue
FutureValue
KkeyDown
KkeyDown
KkeyDown
Brightridge
buttonUp
Calculate
PmtRadioGroup
buttonUp
PerMonth
buttonUp
PerYear
KkeyDown
KkeyDown
Brightridge
buttonUp
Calculate
PerRadioGroup
buttonUp
Months
buttonUp
Years
KkeyDown
KkeyDown
Brightridge
buttonUp
Calculate
buttonUp
Calculate
KkeyDown
KkeyDown
KkeyDown
KkeyDown
Brightridge
isCtrl
isShift
keyUp
FutureValue
FutureValue
Periods
Periods
leavePage
FutureValueHelp
PaymentHelp
InterestRateHelp
PeriodsHelp
"InterestRateHelp"
buttonUp
buttonUp
InterestRateHelp
Rate
"PeriodsHelp"
buttonUp
buttonUp
PeriodsHelp
Periods
"PaymentHelp"
buttonUp
buttonUp
PaymentHelp
Payment Amount.ayme.......
"FutureValueHelp"
buttonup
buttonup
FutureValueHelp
Future Value
Payments Required to Achieve Goal
FutureValue
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
1000
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
.1000
PmtRadioGroup
EnterField
0,30,100
0,30,100
0,30,100
EnterField
leaveField
EnterField
0,100,0
leaveField
Periods
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
PerRadioGroup
EnterField
0,30,100
0,30,100
0,30,100
EnterField
leaveField
EnterField
0,100,0
leaveField
Calculate
RequiredPayment Rate, Periods, FutureValue
)-1)/
("Please enter Discount
" >= 1
"/100
B"PerMonth"
PeriodsPerYear
B"Months"
Multiplier
Field "
*100
/100
"Payments"
%"$#,##0.00"
buttonUp
RequiredPayment
RequiredPayment
FutureValue
Periods
buttonUp
FutureValue
FutureValue
Please enter Discount Rate
.0000
Periods
Periods
PerMonth
Months
Periods
FutureValue
RequiredPayment
Payments
Payments
$#,##0.00
Multiplier
PeriodsPerYear
Calculate
Clear
"Payments"
"Rate"
"Periods"
"FutureValue"
buttonUp
buttonUp
Payments
Periods
FutureValue
FutureValue
Clear
Payments
$ 46.76
PerMonth
B"PerMonth"
B"PerYear"
B"Months"
B"Years"
buttonUp
buttonUp
PerMonth
PerYear
Months
Years
/Month
PerYear
B"PerMonth"
B"PerYear"
B"Months"
B"Years"
buttonUp
buttonUp
PerMonth
PerYear
Months
Years
/Year
Months
B"Months"
B"Years"
buttonUp
buttonUp
Months
Years
Months
Years
B"Months"
B"Years"
buttonUp
buttonUp
Months
Years
Years
PaymentHelp
"PaymentHelp"
buttonup
buttonup
PaymentHelp
Payment Amount refers to the required amount of regular periodic investments.
FutureValueHelp
"FutureValueHelp"
buttonup
buttonup
FutureValueHelp
Future Value is the accumulated value of the investment at the end of the investment period.
InterestRateHelp
"InterestRateHelp"
buttonup
buttonup
InterestRateHelp
The rate is the annual rate of appreciation on the investment.erest on an annual basis..
PeriodsHelp
"PeriodsHelp"
buttonup
buttonup
PeriodsHelp
Periods are the years or months over which the investments are made.d.
"ReqPmtAmtHelp"
buttonUp
buttonUp
ReqPmtAmtHelp
ReqPmtAmtHelp
ReqPmtAmtHelp
ButtonUp
level
"ReqPmtAmtHelp"
ButtonUp
ButtonUp
ReqPmtAmtHelp
level
ReqPmtAmtHelp
2level
This module, Payments required to achieve goal, starts from the standpoint of a financial goal the investor desires to achieve. At a given rate of appreciation an number of payments, the module calculates the amount of periodic payment necessary to achieve the goal.
he compounded value of those payments back to the equivalent lump sum necessary to invest today at the same rate to equal the same cash accumulation at the end of the investment period.
mportant concept here is that considerable funds can be built through regular investments even if there is no large lump sum available. You should "pay yourself first" by investing a portion of each paycheck before you can blow the cash.
lled the "Rule of 72": take the number 72 and divide it by the rate of appreciation (e.g., 8 percent). The result (9, in this case) is the approximate number of years it takes for the investment to double itself..
HowToUse
BRS_yellow
Brightridge Solutions, Inc.
Brightridge Solutions, Inc.
Brightridge Solutions, Inc.
FarRange
MidRange
NearRange
BRS_black
Brightridge Solutions, Inc.
HI, FINANCE! FIRST OF OUR TOOLBOOK APPS
Hi, Finance! is an introductory program from Brightridge Solutions, Inc. You can read an article about its development in the September 1990 edition of PC PowerWindows Magazine.
Scheduled for near-term release is CheckTool, a checkbook application also utilizing ToolBook.
Other ToolBook applications in development include time-and-billing, activity/client scheduling and tracking, and similar database and productivity programs.
We encourage you to contact Brightridge Solutions with your suggestions, areas of interest, or information regarding customized program development.
PCPowerWindows
"PCPW"
buttonUp
buttonUp
CheckTool
"CheckTool"
buttonUp
buttonUp
CheckTool
Brightridge Solutions, Inc. is the developer of computer software products designed to meet the needs of small businesses and individuals. It was organized in 1989 with Roger C. Hoover, CPA, MBA, as its President and Chairman.
Products released and in development include accounting, finance, and productivity management software for the Microsoft Windows and Presentation Manager environments.
Roger
"Roger"
buttonUp
buttonUp
Roger
WINDOWS 3.0 ACCOUNTING
PROGRAM NEARING RELEASE
Brightridge Solutions is planning to release an as-yet unnamed accounting program for Windows 3.0 in the near future. This will be a full-featured program featuring General Ledger, Accounts Receivable, and Accounts Payable functions, specifically tailored to meet the needs of small businesses.
The goal of the program's designers is to provide businesses a means of accumulating and reporting data in accordance with Generally Accepted Accounting Principals (GAAP), while at the same time engineering a user interface to enable economical use.
Features of the software package will include consistent and well-aranged input and report screens and generous use of context-sensitive help, check boxes, list boxes, radio buttons, and combo boxes where appropriate.
The program will be competitively priced.....
ReqPmtAmt
Retirement
o o }
8 . 5
ButtonUp
"Menu"
ButtonUp
ButtonUp
BUTTONUP
BUTTONUP
BUTTONUP
previous
BUTTONUP
BUTTONUP
BUTTONUP
Evaluating Investments: NPV & IRRnt Value
"NPVHelp"
buttonUp
buttonUp
NPVHelp
NPVHelp
LoanAmort
Register
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Courier
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:PRINTLAYOUT
:REPORTDATA
Tms Rmn
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Terminal
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Courier
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Courier
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Tms Rmn
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Courier
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Schedule
Tms Rmn
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Hi, Finance!
`D|D|
System
Tms Rmn
`D|D|
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EnterBook
-- suppress
cbar initially
sizetoPage
Brightridge logo elements
"NearRange"
"MidRange"
"FarRange"
"Sky"
"Sun"
"presents_Yellow"
"presents_black"
-- Modify
c"&Menu"
"Main &
"Mortgage Loan &Calculator"
Amortization"
"&Life Insurance Required"
"Planning
&Retirement"
"Investment Evaluation: NPV & IRR"
"How &Inflation Robs Your $$$"
"Today's
f&Grows"
"&Future Value
Regular Payments"
"&Present
8 Amount
Use Hi, Finance!"
"About &
Solutions, Inc."
OHi, &
q..."
c"File"
c"Edit"
"History"
"Import"
"Export"
c"Text"
"NewPage"
"First"
"Last"
MainMenu
MortgageLoanCalculator
"MortgagePmts"
LoanAmortization
LifeInsuranceRequired
PlanningforRetirement
InvestmentEvaluationNPVIRR
HowInflationRobsYour
TodaysInvestmentGrows
"FVLumpSum"
FutureValueofRegularPayments
"FVAnnuity"
PresentValueofRegularPayments
"PVAnnuity"
PaymentAmountRequired
"ReqPmtAmt"
HowtoUseHiFinance
"HowToUse"
AboutBrightridgeSolutionsInc
AboutHiFinance
LifeInsuranceRequired
EnterBook
PlanningforRetirement
InvestmentEvaluationNPVIRR
MortgageLoanCalculator
HowInflationRobsYour
TodaysInvestmentGrows
FutureValueofRegularPayments
PresentValueofRegularPayments
LoanAmortization
PaymentAmountRequired
HowtoUseHiFinance
AboutBrightridgeSolutionsInc
MainMenu
AboutHiFinance
EnterBook
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MidRange
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&Menu
Main &Menu
Mortgage Loan &Calculator
Loan &Amortization
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Planning for &Retirement
Investment Evaluation: NPV & IRR
How &Inflation Robs Your $$$
Today's Investment &Grows
&Future Value of Regular Payments
&Present Value of Regular Payments
Pa&yment Amount Required
&How to Use Hi, Finance!
About &Brightridge Solutions, Inc.
About Hi, &Finance!...
History
Import
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MortgageLoanCalculator
MortgagePmts
LoanAmortization
LoanAmort
LifeInsuranceRequired
LifeInsurance
PlanningforRetirement
Retirement
InvestmentEvaluationNPVIRR
HowInflationRobsYour
Inflation
TodaysInvestmentGrows
FVLumpSum
FutureValueofRegularPayments
FVAnnuity
PresentValueofRegularPayments
PVAnnuity
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"Main &
"Mortgage Loan &Calculator"
Amortization"
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c"File"
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LoanAmortization
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PlanningforRetirement
InvestmentEvaluationNPVIRR
HowInflationRobsYour
TodaysInvestmentGrows
"FVLumpSum"
FutureValueofRegularPayments
"FVAnnuity"
PresentValueofRegularPayments
"PVAnnuity"
PaymentAmountRequired
"ReqPmtAmt"
HowtoUseHiFinance
"HowToUse"
AboutBrightridgeSolutionsInc
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PlanningforRetirement
InvestmentEvaluationNPVIRR
MortgageLoanCalculator
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Planning for &Retirement
Investment Evaluation: NPV & IRR
How &Inflation Robs Your $$$
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History
Import
Export
NewPage
First
MainMenu
MortgageLoanCalculator
MortgagePmts
LoanAmortization
LoanAmort
LifeInsuranceRequired
LifeInsurance
PlanningforRetirement
Retirement
InvestmentEvaluationNPVIRR
HowInflationRobsYour
Inflation
TodaysInvestmentGrows
FVLumpSum
FutureValueofRegularPayments
FVAnnuity
PresentValueofRegularPayments
PVAnnuity
PaymentAmountRequired
ReqPmtAmt
HowtoUseHiFinance
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"NearRange"
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Brightridge Solutions, Inc.
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Copyright
1990 Brightridge Solutions, Inc. All Rights Reserved
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Extra
Intro
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Hi, Finance! is designed to help you plan your personal finances. It may also prove valuable in making business decisions. It is not designed to replace competent assistance from professionals like your CPA, investment broker, or insurance agent, but as a guide to your planning and as an aid to your better understanding of the dynamics of personal finance.
This program is distributed as shareware. Feel free to examine it under no obligation. You may also make copies for others. If you decide to use it, you must register it. This will entitle you to free support and upgrades, earn the author's undying gratitude, and ease your otherwise guilty conscience. The next screen will provide an opportunity to register. Upon receipt of your your registration number,
you can also make these first two screens go away!
Roger C. Hoover, CPA, MBA wrote this program and
may be contacted on CompuServe at 74676,235.
Copyright
1990 Brightridge Solutions, Inc.
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Hi, Finance!
BUTTONUP
BUTTONUP
BUTTONUP
FarRange
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BRS_Inc
Brightridge Solutions, Inc.
Brightridge Solutions, Inc.
Please Click to Continue!
butt3
= keyEnter
keyDown
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blankPage
Mortgage_Pmts
pinstripe
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BUTTONUP
BUTTONUP
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BUTTONUP
BUTTONUP
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previous
ButtonUp
"Menu"
ButtonUp
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FVLumpSum
EnterPage
"Rate"
%"#.00 %"
"Principal"
key, isShift, isCtrl
B"Clear"
keyDownArrow
"Menu"
"Brightridge"
"RadioGroup"
B"Months"
B"Years"
keyEnter
B"Calculate"
"Periods"
"FutureValueHelp"
"PrincipalHelp"
"InterestRateHelp"
"PeriodsHelp"
keyDown
EnterPage
keyUp
leavePage
EnterPage
#.00 %
Principal
keyDown
Principal
Clear
KkeyDown
Clear
KkeyDown
KkeyDown
Brightridge
Clear
Principal
Principal
KkeyDown
KkeyDown
KkeyDown
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buttonUp
Months
buttonUp
Years
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KkeyDown
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buttonUp
Calculate
KkeyDown
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isCtrl
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Principal
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FutureValueHelp
PrincipalHelp
InterestRateHelp
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%4*z+f,N-
"FVLumpSumHelp"
buttonUp
buttonUp
FVLumpSumHelp
FVLumpSumHelp
How today's investment grows
PrincipalLabel
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"PrincipalHelp"
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default
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buttonup
EnterField
LeaveField
EnterField
buttonup
PrincipalHelp
LeaveField
default
Principal
InterestRate
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"InterestRateHelp"
LeaveField
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nterField
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EnterField
LeaveField
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InterestRateHelp
LeaveField
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EnterField
"PeriodsHelp"
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EnterField
LeaveField
EnterField
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PeriodsHelp
LeaveField
default
Periods
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"FutureValueHelp"
LeaveField
default
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buttonup
EnterField
LeaveField
EnterField
buttonup
FutureValueHelp
LeaveField
default
Future Value
FutureValueHelp
"FutureValueHelp"
buttonup
buttonup
FutureValueHelp
Future Value is what the principal invested today will grow to in the future at the specified rate of appreciation.tion.
FutureValue
$16,105
PrincipalQuestion
"PrincipalHelp"
B"PrincipalQuestion"
buttonUp
buttonUp
PrincipalHelp
PrincipalQuestion
PrincipalQuestion
PrincipalHelp
buttonUp
buttonUp
PrincipalHelp
ButtonUp
"PrincipalHelp"
ButtonUp
ButtonUp
PrincipalHelp
Principal
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0,100,0
0,0,0
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0,0,0
0,100,0
10000
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"Rate"
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7 = 0
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CalcRate
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0,100,0
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Please enter the Rate of Appreciation
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0,0,0
0,100,0
CalcRate
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Periods
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"Periods"
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periods"
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0,100,0
0,0,0
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Please enter the number of periods
Periods
0,0,0
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0,30,100
0,30,100
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Calculate
"Rate"
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Appreciation"
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"Principal"
initial investment between $1
$10,000,000"
B"Months"
PeriodsPerYear
Field "
"FutureValue"
%"$#,000"
buttonUp
buttonUp
Please enter the Rate of Appreciation
Principal
Principal
Please enter initial investment between $1 and $10,000,000
Principal
Months
Periods
Principal
FutureValue
FutureValue
$#,000
PeriodsPerYear
CalcRate
Calculate
Clear
"Principal"
"Rate"
"Periods"
"FutureValue"
buttonUp
buttonUp
Principal
Periods
FutureValue
Principal
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Months
B"Months"
B"Years"
buttonUp
buttonUp
Months
Years
Months
Years
B"Months"
B"Years"
buttonUp
buttonUp
Months
Years
Years
Button
InterestRateHelp
"InterestRateHelp"
buttonup
buttonup
InterestRateHelp
The rate is the percentage by which the investment appreciates per year.
PeriodsHelp
"PeriodsHelp"
buttonup
buttonup
PeriodsHelp
Periods are the compounding periods over which the investment is held.
PrincipalHelp
"PrincipalHelp"
buttonup
buttonup
PrincipalHelp
Principal refers to the amount of investment.ent.
FVLumpSumHelp
ButtonUp
level
"FVLumpSumHelp"
ButtonUp
ButtonUp
FVLumpSumHelp
level
FVLumpSumHelp
6level
X6P2U6
Those with only modest incomes or assets are tempted to put off investing for the future on the grounds that they have nothing significant to invest. This module, How today's investment grows, demonstrates that even small sums can grow into impressive figures given enough time and adequate rates of interest or other appreciation. This occurs through the magic of compound interest. The growth takes place as interest on the initial investment is added to the nest-egg. The next interest would thus be based on a larger principal amount, thereby making it larger, and as the process continues the principal grows increasingly larger. The process here is know technically as the future value of a lump sum.
Bonus hint: a quick way to calculate growing investments is a little tool called the "Rule of 72": take the number 72 and divide it by the rate of appreciation (e.g., 8 percent). The result (9, in this case) is the approximate number of years it takes for the investment to double itself.
Help2
Register
B"EnterLicenseNumber"
enterPage
enterPage
EnterLicenseNumber
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Hi, Finance!
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Hi, Finance! is shareware. You may examine the software at no obligation and make copies for others. Should you decide to use the program, however, you have an obligation to pay a registration fee which entitles you to free support and future upgrades. Registering also allows you to get rid of these annoying screens!
Individual user license: $30.00
Pre-licensed program diskette 35.00
(residents of TN please add local sales tax)
For more information, contact the author on CIS forums MSWIN, WINAPA, or WINAPB:
Roger Hoover (Brightridge) 74676,235
To obtain your license, send appropriate fee to:
Brightridge Solutions, Inc.
1534 Brightridge Drive
Kingsport, TN 37664
(615) 246-3337
EnterLicenseNumber
("Please enter your
%registered"
"License registration procedure
xcompleted"
RegisteredName
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HBrightridge Solutions"
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contact us.
Thanks!"
B"Continue"
keyDownArrow
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Please enter your name as registered
cancel
License registration procedure not completed
Please enter the license number issued by Brightridge Solutions
cancel
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There is a problem which prevents completion of this process. Please check your number and name as registered to make sure you entered them correctly.
go to page "BlankPage"
Licensed to
LicenseHolder
Your license is now registered. If you have any questions or comments, be sure to contact us. Thanks!
CodedName
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Enter License Number
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"BlankPage"
B"EnterLicenseNumber"
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Continue
B"MortgageCalculator"
key, isShift, isCtrl
B"HowToUse"
keyDownArrow
"Brightridge"
keyEnter
B"LoanAmortization"
B"Retirement"
B"FVLumpSum"
B"Inflation"
B"FVAnnuity"
B"PVAnnuity"
B"LifeInsurance"
B"NPV"
B"ReqPmtAmt"
"Menu"
enterPage
keyDown
enterPage
MortgageCalculator
keyDown
MortgageCalculator
HowToUse
KkeyDown
HowToUse
Brightridge
HowToUse
KkeyDown
KkeyDown
Brightridge
buttonUp
HowToUse
LoanAmortization
LoanAmort
Retirement
Retirement
FVLumpSum
FVLumpSum
Inflation
Inflation
FVAnnuity
FVAnnuity
PVAnnuity
PVAnnuity
LifeInsurance
LifeInsurance
ReqPmtAmt
ReqPmtAmt
KkeyDown
KkeyDown
Brightridge
isCtrl
isShift
default
enterField
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default
Hi, Finance!!
HowToUse
How to use Hi, Finance!!!!!
MortgageCalculator
0,30,100
Mortgage Loan Calculator
Mortgage Loan Calculatorrrrrrrrrrrrr
MortgageCalculator
5/5Y6
ButtonUp
"MortgagePmts"
enterButton
leaveButton
ButtonUp
enterButton
leaveButton
ButtonUp
MortgagePmts
LoanAmort
Loan Amortization
LoanAmortization
ButtonUp
"LoanAmort"
enterButton
ButtonUp
leaveButton
enterButton
ButtonUp
LoanAmort
leaveButton
LifeInsurance
Life Insurance Required
LifeInsurance
ButtonUp
"LifeInsurance"
tonUp
enterButton
ButtonUp
leaveButton
ButtonUp
LifeInsurance
enterButton
leaveButton
Retirement
Planning for Retirement
Retirement
ButtonUp
"Retirement"
tonUp
enterButton
ButtonUp
leaveButton
ButtonUp
Retirement
enterButton
leaveButton
Investment Eval.: NPV& IRRRR
ButtonUp
"NPV"
tonUp
enterButton
ButtonUp
leaveButton
ButtonUp
enterButton
leaveButton
Inflation
How Inflation Robs your $$$$
Inflation
ButtonUp
"Inflation"
tonUp
enterButton
ButtonUp
leaveButton
ButtonUp
Inflation
enterButton
leaveButton
FVLumpSum
Today's Investment Grows
FVLumpSum
ButtonUp
"FVLumpSum"
tonUp
enterButton
ButtonUp
leaveButton
ButtonUp
FVLumpSum
enterButton
leaveButton
FVAnnuity
Future Value of Reg. Pmts.
FVAnnuity
ButtonUp
"FVAnnuity"
tonUp
enterButton
ButtonUp
leaveButton
ButtonUp
FVAnnuity
enterButton
leaveButton
PVAnnuity
Present Value of Reg. Pmts.ts.nts
PVAnnuity
ButtonUp
"PVAnnuity"
enterButton
leaveButton
ButtonUp
enterButton
leaveButton
ButtonUp
PVAnnuity
ReqAmt
Payment Amount Requireddd
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ReqPmtAmt
ButtonUp
"ReqPmtAmt"
tonUp
enterButton
ButtonUp
leaveButton
ButtonUp
ReqPmtAmt
enterButton
leaveButton
HowToUse
ButtonUp
"HowToUse"
tonUp
enterButton
ButtonUp
leaveButton
ButtonUp
HowToUse
enterButton
leaveButton
Copyright
1990 Brightridge Solutions, Inc. All Rights Reserved
FarRange
MidRange
NearRange
Brightridge
B"MortgageCalculator"
"Brightridge"
utton
enterButton
buttonUp
enterButton
MortgageCalculator
buttonUp
Brightridge
BUTTONUP
BUTTONUP
BUTTONUP
B"MortgageCalculator"
enterButton
enterButton
MortgageCalculator
LicenseHolder
l-$-i-
Unlicensed Evaluation Copy
Unlicensed Evaluation Copy
p4p4p4
MortgagePmts
EnterPage
"Rate"
"Principal"
key, isShift, isCtrl
B"Clear"
keyDownArrow
"Menu"
"Brightridge"
"RadioGroup"
B"Months"
B"Years"
keyEnter
B"Calculate"
"Periods"
"PrincipalHelp"
"PaymentHelp"
"InterestRateHelp"
"PeriodsHelp"
keyDown
EnterPage
keyUp
leavePage
EnterPage
.0000
Principal
keyDown
Principal
Clear
KkeyDown
Clear
Brightridge
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Principal
Principal
KkeyDown
Brightridge
RadioGroup
buttonUp
Months
buttonUp
Years
Brightridge
buttonUp
Calculate
KkeyDown
KkeyDown
Brightridge
isCtrl
isShift
keyUp
Principal
Principal
Periods
Periods
leavePage
PrincipalHelp
PaymentHelp
InterestRateHelp
PeriodsHelp
(>*f.
"MortgageLoanCalculatorHelp"
buttonUp
buttonUp
MortgageLoanCalculatorHelp
MortgageLoanCalculatorHelp
Mortgage Loan
Calculator
"PrincipalHelp"
buttonUp
buttonUp
PrincipalHelp
Principal
"InterestRateHelp"
buttonUp
buttonUp
InterestRateHelp
Rate (/yr.)
"PeriodsHelp"
buttonUp
buttonUp
PeriodsHelp
Periods
"PaymentHelp"
buttonUp
buttonUp
PaymentHelp
Payment Amt.nt
Paymentttttttttttttttttttttttt
Payments
$237.903008635879
BUTTONUP
BUTTONUP
BUTTONUP
previous
BUTTONUP
BUTTONUP
BUTTONUP
ButtonUp
"Menu"
ButtonUp
ButtonUp
InterestRateHelp
"InterestRateHelp"
buttonup
buttonup
InterestRateHelp
The rate is the percentage of the principal balance due as interest on an annual basis..
PrincipalHelp
"PrincipalHelp"
buttonup
buttonup
PrincipalHelp
Principal refers to the original amount borrowed.
PeriodsHelp
"PeriodsHelp"
buttonup
buttonup
PeriodsHelp
Periods are the years or months over which the loan is repaid.is held.
PaymentHelp
"PaymentHelp"
buttonup
buttonup
PaymentHelp
Payment Amount refers to the periodic payment necessary to repay the loan.
Principal
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
10000
EnterField
LeaveField
EnterField
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0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
.1500
Periods
EnterField
LeaveField
EnterField
LeaveField
EnterField
0,100,0
0,0,0
LeaveField
0,0,0
0,100,0
RadioGroup
EnterField
0,30,100
0,30,100
0,30,100
EnterField
leaveField
EnterField
0,100,0
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Calculate
"Principal"
("What
the amount
loan?"
"Rate"
Iinterest rate?"
@>= 1
Y/100
"Periods"
("How many
B"Months"
Multiplier
/12,
Field "
"Payments"
%"$0.00"
buttonUp
buttonUp
Principal
Principal
What is the amount of the loan?
Principal
What interest rate?
.0000
Periods
Periods
How many Periods?
Periods
Months
Principal
Periods
Payments
Payments
$0.00
Multiplier
Calculate
Clear
"Principal"
"Rate"
"Periods"
"Payments"
buttonUp
buttonUp
Principal
Periods
Payments
Principal
Clear
Months
B"Months"
B"Years"
buttonUp
buttonUp
Months
Years
Months
Years
B"Months"
B"Years"
buttonUp
buttonUp
Months
Years
Years
MortgageLoanCalculatorHelp
ButtonUp
level
"MortgageLoanCalculatorHelp"
ButtonUp
ButtonUp
MortgageLoanCalculatorHelp
level
MortgageLoanCalculatorHelp
2level
This mortgage loan calculator can help you quickly find out how much the monthly payment on a regular fixed-rate mortgage will be. If you need a detailed amortization schedule, the "Loan Amortization" page will do that for you, as well as calculate the monthly payment. This calculator is much faster than the amortizer, however.
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