Software of the Month Club 1996 February

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FoxPro Memo File | 1996-01-08 | 94.7 KB
open in:
MacOS 8.1 |
Win98 |
DOS
view JSON data |
view as text

This file was processed as: FoxPro Memo File (other/foxProMemo).
This format is not currently supported by dexvert.
Confidence	Program	Detection	Match Type	Support
`1%`	dexvert	FoxPro Memo File `(other/foxProMemo)`	magic	Unsupported
`100%`	file	Adobe Photoshop Color swatch, version 0, 1515 colors; 1st RGB space (0), w 0x40, x 0, y 0, z 0 ; 2nd RGB space (0), w 0, x 0, y 0, z 0	default (weak)
`99%`	file	FoxPro FPT, blocks size 64, next free block index 1515, field type 1, field length 1110, 1st item "What is an "initial payment" and do I really want it computed?"	default
`98%`	file	data	default
`57%`	TrID	Sybase iAnywhere memo files	default
`42%`	TrID	MacBinary 1	default (weak)
hex view
+--------+-------------------------+-------------------------+--------+--------+
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|000061a0| 61 6e 2c 20 74 68 65 20 | 69 6e 69 74 69 61 6c 20 |an, the |initial |
|000061b0| 70 61 79 6d 65 6e 74 73 | 20 73 74 61 72 74 20 6f |payments| start o|
|000061c0| 75 74 20 6c 6f 77 65 72 | 20 74 68 61 6e 20 77 68 |ut lower| than wh|
|000061d0| 61 74 20 74 68 65 79 20 | 77 6f 75 6c 64 20 62 65 |at they |would be|
|000061e0| 20 77 69 74 68 20 61 20 | 66 69 78 65 64 20 72 61 | with a |fixed ra|
|000061f0| 74 65 20 6c 6f 61 6e 2e | 20 20 54 68 65 20 70 61 |te loan.|  The pa|
|00006200| 79 6d 65 6e 74 20 61 6d | 6f 75 6e 74 20 69 6e 63 |yment am|ount inc|
|00006210| 72 65 61 73 65 73 20 62 | 79 20 61 20 66 69 78 65 |reases b|y a fixe|
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|00006230| 72 20 61 66 74 65 72 20 | 79 65 61 72 20 28 74 79 |r after |year (ty|
|00006240| 70 69 63 61 6c 6c 79 20 | 66 6f 72 20 61 6e 79 77 |pically |for anyw|
|00006250| 68 65 72 65 20 66 72 6f | 6d 20 35 20 74 6f 20 31 |here fro|m 5 to 1|
|00006260| 30 20 79 65 61 72 73 29 | 2e 20 20 42 6f 72 72 6f |0 years)|.  Borro|
|00006270| 77 65 72 73 20 77 68 6f | 20 77 6f 75 6c 64 20 6e |wers who| would n|
|00006280| 6f 74 20 71 75 61 6c 69 | 66 79 20 66 6f 72 20 61 |ot quali|fy for a|
|00006290| 20 66 69 78 65 64 20 72 | 61 74 65 20 6c 6f 61 6e | fixed r|ate loan|
|000062a0| 20 62 65 63 61 75 73 65 | 20 6f 66 20 68 69 67 68 | because| of high|
|000062b0| 20 69 6e 74 65 72 65 73 | 74 20 72 61 74 65 73 2c | interes|t rates,|
|000062c0| 20 6f 72 20 61 20 6c 61 | 72 67 65 20 6c 6f 61 6e | or a la|rge loan|
|000062d0| 20 61 6d 6f 75 6e 74 2c | 20 6d 61 79 20 62 65 20 | amount,| may be |
|000062e0| 74 65 6d 70 74 65 64 20 | 74 6f 20 74 72 79 20 74 |tempted |to try t|
|000062f0| 68 69 73 20 6c 6f 61 6e | 20 6f 75 74 2e 20 20 54 |his loan| out.  T|
|00006300| 68 65 20 70 72 6f 62 6c | 65 6d 20 77 69 74 68 20 |he probl|em with |
|00006310| 61 20 47 50 4d 20 69 73 | 20 22 6e 65 67 61 74 69 |a GPM is| "negati|
|00006320| 76 65 20 61 6d 6f 72 74 | 69 7a 61 74 69 6f 6e 22 |ve amort|ization"|
|00006330| 2e 20 20 53 69 6e 63 65 | 20 74 68 65 20 69 6e 69 |.  Since| the ini|
|00006340| 74 69 61 6c 20 70 61 79 | 6d 65 6e 74 73 20 61 72 |tial pay|ments ar|
|00006350| 65 20 6b 65 70 74 20 61 | 72 74 69 66 69 63 69 61 |e kept a|rtificia|
|00006360| 6c 6c 79 20 6c 6f 77 2c | 20 74 68 65 79 20 64 6f |lly low,| they do|
|00006370| 20 6e 6f 74 20 65 76 65 | 6e 20 63 6f 76 65 72 20 | not eve|n cover |
|00006380| 74 68 65 20 69 6e 74 65 | 72 65 73 74 20 64 75 65 |the inte|rest due|
|00006390| 2e 20 20 54 68 65 72 65 | 66 6f 72 65 2c 20 74 68 |.  There|fore, th|
|000063a0| 65 20 69 6e 74 65 72 65 | 73 74 20 6e 6f 74 20 70 |e intere|st not p|
|000063b0| 61 69 64 20 69 73 20 61 | 64 64 65 64 20 74 6f 20 |aid is a|dded to |
|000063c0| 74 68 65 20 70 72 69 6e | 63 69 70 61 6c 20 61 6d |the prin|cipal am|
|000063d0| 6f 75 6e 74 2e 20 20 49 | 66 20 74 68 65 20 68 6f |ount.  I|f the ho|
|000063e0| 6d 65 20 69 73 20 73 6f | 6c 64 20 61 66 74 65 72 |me is so|ld after|
|000063f0| 20 6a 75 73 74 20 61 20 | 66 65 77 20 79 65 61 72 | just a |few year|
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