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Loadstar 128 19
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t.mastercalc
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2022-08-28
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M A S T E R C A L C
by Robert B. Cook
FENDER'S NOTE: There are two financial programs on this issue of LOADSTAR
128 but they complement each other, rather than clash. Bob Cook's
MASTERCALC takes an algebraic approach to financial formulas -- you are
prompted for data on a particular financial operation, and you enter a
question mark in the field that is unknown. It's just like solving an
equation for an unknown.
The Main Menu covers the following items:
INVESTMENTS - with the following subcategories
Periodic Interest - Solve for Future Value, Present Value, Annual
Interest Rate or Number of Years
Regular Deposits - Solve for Future Value, Amount of Regular Deposit,
Annual Interest Rate or Number of Years
Regular Withdrawals - Solve for Present Value, Amount of Regular
Withdrawal, Annual Interest Rate or Number of Years
Depreciation - Solve for Salvage Value or Depreciation Rate
When an item such as FUTURE VALUE, ANNUAL INTEREST RATE, REGULAR LOAN
PAYMENT, etc. is preceded by a check mark it indicates that this item is one
that can be calculated. To calculate that item press the ? key instead of
entering an amount. Only one item at a time may be calculated, so only
enter one question mark per calculation.
ANALYZE RETURN ON INVESTMENT - with the following subcategories
Analyze an Investment - Asks for Amount of Investment, Face Value at
Maturity, Interest Rate, Length of Investment, Compounding Periods,
Tax Bracket and whether Interest is taxed. Gives you Net Return on
the Investment.
Compare Investments - Asks for the above information for two different
investments, then compares them.
ANALYZING RETURN ON INVESMENTS lets you analyze a single investment or
compare one investment against another taking into account your tax rate,
early withdrawals and discount bonds. For most investments the FACE VALUE
will be equal to the AMOUNT INVESTED. Some investments, such as savings
bonds, are purchased for less than FACE VALUE at maturity and the interest
earning is included in the FACE VALUE. When comparing investments a DEFAULT
INTEREST RATE and/or an EARLY WITHDRAWAL PENALTY may be incurred in the
event a bond or certificate is cashed before maturity. Include the age of
the current investment at the changeover.
LOANS - with the following subcategories
Regular Loan Payments - Solve for Principal, Payment Amount, Annual
Interest Rate or Length of Loan
Remaining Loan Liability - Asks for Payment Amount, Length of Loan,
Number of Payments per Year and Number of payments Made. Calculates
Loan Liability and Number of Payments Remaining
Single Loan Payment - Asks for Principal, Annual Interest Rate, Length
of Loan and Compounding Periods per Year. Calculates Total Amount
Owed.
Loan Amortization Schedule - Asks for Principal, Payment Amount, Annual
Interest Rate, Length of Loan, Number of Payments, Month the Loan
Began and Period to Display. Then it displays the Beginning Balance,
Principal, Interest and Ending Balance for every month in that
period, a year at a time. To produce a LOAN AMORTIZATION TABLE it is
necessary to enter information in the REGULAR LOAN PAYMENT category
to get the amount of the monthly loan payment. You can start the
display of the amortization table at any point in the life of the
mortgage and extend it to any other point.
For all of the categories and subcategories you can press ESCape to skip to
the end of the category if you made a mistake. RECALCULATE will let you
redo the same category. PRINT-OUT prints the current screen. CONTINUE will
move to the next screen in the category.
CALCULATOR - This looks and works like a hand-held calculator with eight
memories, accessed with the eight F-keys. Instead of entering an amount
for an item you can retrieve the contents of one of eight calculator
memory locations by pressing the F-keys (F1 through F8). The calculator
will perform standard calculations and store them in the current memory
location. The current memory location is displayed as Mem# and can be
changed by pressing M. The arithmetic operator to the right of Mem#
indicates the current math operation. Press ENTER, RETURN or = to
calculate the total. To leave the calculator, press ESC.
MASTERCALC is designed to be easy to use but it's not made to teach the
intricacies of financial analysis. If you know how your finances work,
MASTERCALC can help you make smart decisions by giving you quick and
accurate data.
RBC
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