index.htm...vershun=Thursdae 26 Feb 04 at 0835
$$$$$$$$$ money $$$$$$$$$ |
0. Bi or Rent?
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klik heer
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1. Calculate $/month payment tu pae off a loan (mortgage)
pae xtra $/month (prepae morgage)...save $ & months
Want a pae skedyuel (amoritizashun tabel) get it heer
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klik heer
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2. Make tabel like reelter pulls out & hides
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klik heer
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3. If pae x $/month will yu ever pae off the lone?
Lost yer balans? find it heer. & xtra pae tu
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klik heer
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4. max lone yu kan get, max hous yu kan bi
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klik heer
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5. kompare 2 lones...%, points, & kloes kost vary
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klik heer
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6. figger reel % interst wen add points & kloes kost
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klik heer
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7. Forget yer %?, balans? retern? timespan? get em heer
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klik heer
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8. if refinance morgage, how long tu offset kosts?
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klik heer
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9. pae biweekly insted av bi month, Save $ & months
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klik heer
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10. If yu pae x$ xtra on lone 1 time...wot iz paebak?
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klik heer
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11. wanna save for a neer-term big bill?
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klik heer
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12. flate rate will get yu...past, present, fyucher
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klik heer
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13. Yu hav $ in savings or investment, see how it gro
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klik heer
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14. yu add x$/month tu investment It gro exponenshal
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klik heer
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15. baloon hybrid jumbo lone
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klik heer
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16. investment...how much $/month tu save tu get rich
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klik heer
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17. annuity...how much $/month kan yu get outta it?
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klik heer
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18. Kredit Kard payoff time=10-50 yrs if pae minimum
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klik heer
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19. 90% av the werld paes 3-5 % per MONTH for a lone
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klik heer
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20. other stuff
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klik heer
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Komments, kumplaents, ideas...
[email protected]
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Klik heer
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If yu want a free kopee av the program tu run on a pc under DOS
or windos(vershun 3.1 thru xp)...ask. size=390kb. (attach tu emael).
It has sum stuff not on internet vershun.
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Klik heer
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Want a diff pinyun? This gie Hu Chou is onlee other person hu no
which wae iz upklik heer
TOP...klik heer | NEXT...klik heer |PRIOR...klik heer |
************** program 0...biorrent
Tu bi a hous or rent a shak, that be the quesshun. Most folk hu bi
duit bekauz em wanna duit, not kauz em spekt tu save munee. This is good.
Many fakters affekt which wae tu go. Most R based on emoshuns...how
yu feel bout it. For exampel, wen yu bi, yu get rid av the landlord
= more freedum & more responsabilitee. Yu gotta du stuff landlord did.
And werry bout all the problems that kan kum up.
In NE kaes, yu gotta look at the kost bekauz yu gotta pae for wot
yu want. Yu gotta konvins a banker tu lone yu munee...get a morgage.
I assume yu kan get a morgage.
The program onlee kompare the monthlee kost av oen-a-hous with
rent-a-shak. Rent is kleerkut...yu giv landlord x $/month. The
rent oft kuvers water/sewer/trash. It mae inklude other yutilitees.
Hous kosts inklude all yutilitees. Yu hav xtra kosts such as taxes
and inshuer. Then yu shood set aside $/month tu kuver wot mite happen.
Maentenans, repaer, replaes, fix.
Most hu bi, get a bigger plaes, so if it kost more, dont dispaer.
Tu run program 0 klik heer
Theer iz a lotta hipe in the media bout how yu kan save on Federal
Inkum tax bekauz yu kan dedukt the morgage interest & hous taxes.
This is junk for most av us. It onelee appli tu the very rich.
Tu be werth NEthang, the itemized dedukt gotta be > standard dedukt.
=9500$ for joint retern. The median houshold inkum in US in 2001
(US sensus buro) was 42,228$/yeer. If that famlee got the max morgage
em kan afford (program 4), hav perfekt kredit, dont hav NE other debt
(& thus kan get bigger morgage), max lone em kan get is 109,900$ at
tudae's 30yeer rate=5.5%. Em will pae 6,007$ interest the first yeer.
Interest go down after that. If em liv in area with hi hous tax=2%,
tax= 2,198$/yr. Sum av interest+tax=8,200$. Yu wood hafta hav
large other dedukts (medikal kosts) tu make it werthwile tu itemize.
The top 20% inkum getters hav median inkum=83,500$/yeer. Em kan
afford a hous that kost 218,000$. First yeer interest=11,914$ & hous
tax=4,359$. Em kan itemize dedukt & save 1,700$ on Federal inkum tax.
Thus, deduktabel interest is a subsadee for the rich.
Theer R taels bout rent alwaes goes up evree yeer, but yer morgage
paement staes the same. This has holes. Hous kost is a lot more than
morgage...Taxes alwaes go up evree yeer, garanteed. Inshuer almost
alwaes go up. Yutilities tu. jenral kosts probablee go up bout same
as jenral flate rate.
Rent pries depends on suppli & demand. It mae go up, or down, or not.
TOP...klik heer | NEXT...klik heer |PRIOR...klik heer |
************** program 1...loneprog
output 1...normal lone...yu pae evree month. has opshunal prints.
output 2...pae evree 2 weeks insted av evree month.
output 3...pae evree week insted av evree month.
Tu run program 1, output 1 klik heer
Tu run program 1, output 2 klik heer
Tu run program 1, output 3 klik heer
Plan tu get a home? Yu gotta finance it=get a lone (morgage) from
Banker. So maby yu wanna no $/month payment yu gotta pae banker.
Puter noz and will tell...no matter wot kinda lone. Kar lone no prob.
All yu gotta du is input a fyu numbers. Program 1 giv the paement
tu pae off lone (prinsapal + interest). This kuvers all lones sept
morgages. Morgage bankers prefer yu pae PITI=Prinsapal+interest+
taxes+hous inshuer. Bankers want yu tu pae eskro=x$/month that go
intu "eskro akkount". Banker then dips intu this akkount tu pae
taxes & inshuer wons a yeer. But yu kan arraenj tu pae em separate
if yu hav good kredit.
Note...$/month tu pae off lone is fixed, but eskro goes up evree
yeer bekaus hous taxes go up evree yeer & hous insurance oft go up tu.
Prepay morgage=pae it off erlee. Eezeest wae is tu send in xtra
$ with regular payment. Nowadaes many yuz prepay tu meen refinance.
Legaly, wen yu refinance, yu pae off old morgage & get a nu won.
Mortgage payoff=how much yu save wen yu send in xtra $ with evree
paement. Also called prepae morgage. Tell puter wen & how much and
it tell yu wen yu will payoff lone (morgage)...save $ & months.
Mortgage paebak=number $ yu save for eech $ xtra yu send in.
Kan be for a 1-time xtra paement or for regular evree month xtra $.
Puter has all thees & more & is willing tu squeel.
Baloon lone...Banker mae offer a baloon lone. This lone is fixed
for 3-5 yeers and then yu gotta refinace it. Em offer a calculater
tu figger out paements & wot not. Yu dont need it. Em pute the
$/month paement based on a 30-yeer morgage...yuz program 1 tu get it.
Tu get the $ yu will oe at end av the "term" (3 yr or 5yr), yuz
output 1 tu print out balans at end av evree yeer.
Theer iz a lotta hipe bout a home as an investment.
It iz NOT.
Yu bi a home tu liv in & hope tu be happy. Yu bi an investment tu sell
later & hope tu make a profit. If yu tri tu sell yer home, weer yu
gonna liv? Will yu be happy homeless?
******** sampel output 1y...numbers evree yeer
program 1, output 1...find $/month tu pae off a lone
run prog on Thu 12 Feb 2004 at 14:58
********** stuff yu input tu puter
borro interest loneleng xtra xtra print
$ % yeer start $ yeers
10,000 6.00 4 13 100.00 y
********** puter sez...
paement total pae tot interest $ lone
$/month $ $ per $/month
234.85 11,272.81 1272.81 42.58
yeer interest prinsapal balans
1 537.97 2280.23 7719.77
2 397.33 2420.87 5298.90
3 248.02 2570.18 2728.72
4 89.49 2728.72 0.00
********* xtra paements ************
start $ per tot pae tot inter last time save save
month month $ $ mon yr mon $ months
13 100.00 11,041 1041 37 3 1 232 11
sum xtra $ paebak
paements save $save/sum xtra paements
2400.00 232 0.0966
yeer paement interest prinsapal balans
1 2818.20 537.97 2280.23 7719.77
2 4018.20 363.78 3654.42 4065.35
3 4018.20 138.38 3879.82 185.53
4 334.85 0.93 185.53 0.00
**
program 1, output 1...find $/month tu pae off a lone
run prog on Wed 25 Feb 2004 at 06:05
********** stuff yu input tu puter
borro interest loneleng xtra xtra print start
$ % yeer start $ yr mon date
10,000 6.00 3 0 100.00 n n 19 Mae 03
********** puter sez...
paement total pae tot interest $ lone
$/month $ $ per $/month
304.22 10,951.90 951.90 32.87
************ paement skedyuel ***************
start date= 19 Mae 2003
month date $ pae interest prinsapal balans
1 19 Jun 2003 304.22 50.00 254.22 9745.78
2 19 Jul 2003 304.22 48.73 255.49 9490.29
3 19 Aug 2003 304.22 47.45 256.77 9233.52
4 19 Sep 2003 304.22 46.17 258.05 8975.47
5 19 Oct 2003 304.22 44.88 259.34 8716.13
6 19 Nov 2003 304.22 43.58 260.64 8455.49
7 19 Dec 2003 304.22 42.28 261.94 8193.55
yeer 2003 interest= 323.08
8 19 Jan 2004 304.22 40.97 263.25 7930.30
9 19 Feb 2004 304.22 39.65 264.57 7665.73
10 19 Mar 2004 304.22 38.33 265.89 7399.84
11 19 Apr 2004 304.22 37.00 267.22 7132.62
12 19 Mae 2004 304.22 35.66 268.56 6864.06
13 19 Jun 2004 304.22 34.32 269.90 6594.16
14 19 Jul 2004 304.22 32.97 271.25 6322.91
15 19 Aug 2004 304.22 31.61 272.61 6050.30
16 19 Sep 2004 304.22 30.25 273.97 5776.33
17 19 Oct 2004 304.22 28.88 275.34 5500.99
18 19 Nov 2004 304.22 27.50 276.72 5224.27
19 19 Dec 2004 304.22 26.12 278.10 4946.17
yeer 2004 interest= 403.28
20 19 Jan 2005 304.22 24.73 279.49 4666.68
21 19 Feb 2005 304.22 23.33 280.89 4385.79
22 19 Mar 2005 304.22 21.93 282.29 4103.50
23 19 Apr 2005 304.22 20.52 283.70 3819.80
24 19 Mae 2005 304.22 19.10 285.12 3534.68
25 19 Jun 2005 304.22 17.67 286.55 3248.13
26 19 Jul 2005 304.22 16.24 287.98 2960.15
27 19 Aug 2005 304.22 14.80 289.42 2670.73
28 19 Sep 2005 304.22 13.35 290.87 2379.86
29 19 Oct 2005 304.22 11.90 292.32 2087.54
30 19 Nov 2005 304.22 10.44 293.78 1793.76
31 19 Dec 2005 304.22 8.97 295.25 1498.51
yeer 2005 interest= 202.98
32 19 Jan 2006 304.22 7.49 296.73 1201.78
33 19 Feb 2006 304.22 6.01 298.21 903.57
34 19 Mar 2006 304.22 4.52 299.70 603.87
35 19 Apr 2006 304.22 3.02 301.20 302.67
36 19 Mae 2006 304.18 1.51 302.67 0.00
yeer 2006 interest= 22.55
TOP...klik heer | NEXT...KLIK Heer | PRIOR...klik heer
<************* program 2...komplone >
Calculate paement tabel for raenj av % interest & lone length (yr).
Numbers in tabel=$/month tu pae off lone in that many yeers.
Tu run program 2, klik heer
sample output...
borroed= 100,000 time=16:14:07 21 Sep 2003
$/month tu pae off a lone at various interest rates and num yeers
yeers 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00% 11.00% 12.00% 13.00% 14.00% 15.00%
2 4342.49 4387.14 4432.06 4477.26 4522.73 4568.47 4614.49 4660.78 4707.35 4754.18 4801.29 4848.67
3 2952.40 2997.09 3042.19 3087.71 3133.64 3179.97 3226.72 3273.87 3321.43 3369.40 3417.76 3466.53
4 2257.91 2302.93 2348.50 2394.62 2441.29 2488.50 2536.26 2584.55 2633.38 2682.75 2732.65 2783.07
5 1841.65 1887.12 1933.28 1980.12 2027.64 2075.84 2124.70 2174.24 2224.44 2275.31 2326.83 2378.99
6 1564.52 1610.49 1657.29 1704.90 1753.32 1802.55 1852.58 1903.41 1955.02 2007.41 2060.57 2114.50
7 1366.88 1413.39 1460.86 1509.27 1558.62 1608.91 1660.12 1712.24 1765.27 1819.20 1874.00 1929.68
8 1218.93 1265.99 1314.14 1363.37 1413.67 1465.02 1517.42 1570.84 1625.28 1680.73 1737.15 1794.54
9 1104.10 1151.73 1200.57 1250.63 1301.87 1354.29 1407.87 1462.59 1518.42 1575.36 1633.37 1692.43
10 1012.45 1060.66 1110.21 1161.08 1213.28 1266.76 1321.51 1377.50 1434.71 1493.11 1552.66 1613.35
11 937.67 986.45 1036.70 1088.41 1141.54 1196.08 1251.99 1309.24 1367.79 1427.61 1488.67 1550.92
12 875.53 924.89 975.85 1028.38 1082.45 1138.03 1195.08 1253.56 1313.42 1374.63 1437.13 1500.88
13 823.12 873.06 924.72 978.07 1033.07 1089.68 1147.85 1207.53 1268.67 1331.21 1395.10 1460.29
14 778.35 828.87 881.24 935.40 991.32 1048.94 1108.20 1169.05 1231.43 1295.26 1360.49 1427.04
15 739.69 790.79 843.86 898.83 955.65 1014.27 1074.61 1136.60 1200.17 1265.24 1331.74 1399.59
16 706.00 757.68 811.44 867.21 924.93 984.52 1045.90 1109.00 1173.73 1239.99 1307.70 1376.77
17 676.39 728.66 783.10 839.66 898.26 958.80 1021.21 1085.38 1151.22 1218.61 1287.48 1357.70
18 650.20 703.03 758.16 815.50 874.96 936.44 999.84 1065.05 1131.95 1200.43 1270.38 1341.69
19 626.87 680.28 736.08 794.19 854.50 916.90 981.26 1047.46 1115.39 1184.90 1255.88 1328.20
20 605.98 659.96 716.43 775.30 836.44 899.73 965.02 1032.19 1101.09 1171.58 1243.52 1316.79
21 587.18 641.72 698.86 758.47 820.43 884.58 950.78 1018.87 1088.70 1160.11 1232.97 1307.12
22 570.18 625.28 683.07 743.42 806.18 871.17 938.25 1007.22 1077.94 1150.23 1223.93 1298.90
23 554.75 610.41 668.85 729.92 793.45 859.27 927.18 997.01 1068.57 1141.68 1216.17 1291.90
24 540.69 596.90 655.98 717.76 782.05 848.66 917.39 988.03 1060.38 1134.27 1209.51 1285.93
25 527.84 584.59 644.30 706.78 771.82 839.20 908.70 980.11 1053.22 1127.84 1203.76 1280.83
26 516.05 573.34 633.68 696.84 762.60 830.72 900.98 973.13 1046.95 1122.24 1198.81 1276.47
27 505.21 563.04 623.99 687.81 754.28 823.13 894.10 966.95 1041.45 1117.38 1194.53 1272.74
28 495.21 553.57 615.12 679.61 746.76 816.30 887.96 961.48 1036.61 1113.13 1190.84 1269.54
29 485.97 544.86 607.00 672.13 739.95 810.16 882.48 956.63 1032.36 1109.43 1187.64 1266.80
30 477.42 536.82 599.55 665.30 733.77 804.62 877.57 952.32 1028.61 1106.20 1184.87 1264.44
31 469.47 529.39 592.70 659.06 728.15 799.63 873.18 948.50 1025.31 1103.37 1182.47 1262.42
32 462.08 522.51 586.38 653.34 723.04 795.12 869.24 945.09 1022.40 1100.90 1180.40 1260.69
33 455.20 516.13 580.55 648.10 718.38 791.03 865.70 942.06 1019.83 1098.74 1178.59 1259.20
34 448.78 510.20 575.17 643.28 714.14 787.34 862.53 939.36 1017.56 1096.85 1177.03 1257.92
35 442.77 504.69 570.19 638.86 710.26 783.99 859.67 936.96 1015.55 1095.19 1175.67 1256.81
36 437.16 499.55 565.58 634.78 706.72 780.96 857.10 934.81 1013.78 1093.74 1174.50 1255.87
37 431.89 494.76 561.30 631.03 703.48 778.20 854.79 932.90 1012.21 1092.47 1173.47 1255.05
38 426.95 490.29 557.33 627.57 700.52 775.70 852.71 931.19 1010.82 1091.35 1172.58 1254.35
39 422.31 486.11 553.64 624.38 697.80 773.43 850.84 929.66 1009.59 1090.37 1171.81 1253.74
40 417.94 482.20 550.21 621.43 695.31 771.36 849.15 928.29 1008.50 1089.51 1171.14 1253.23
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
<************ program 3...ifpae >
Output 1...see if payment=x $/month or $/week will pae off a lone.
Output 2...find the balans av a lone yu ben paeing on fer sum time.
Inkludes opshun tu add xtra $ tu evree fyucher paement (prepae lone).
opshun 2...aft find balans...if yu wanna pae off lone in n yeers,
tell puter. Puter giv yu nu $/month tu pae off lone wen yu sae.
Tu run program 3,output 1 klik heer
Tu run program 3,output 2 klik heer
sampel output 1:
program 3, output 1...see if $/month will pae off a lone
run prog on 9 Feb 2004 at 08:41
********** stuff yu input tu puter
borro interest pae pae pae yesorno
$ % $/month $/2-weeks $/week
10,000 6.00 100.00 0.00 25.00 y
********** puter sez...
pae 100 $/month
pae off lone in total pae tot interest
months yeer mon $ $
139 11 7 13,897.58 3897.58
yeer tu tu balans
interest prinsapal $
1 583.22 616.78 9383.22
2 545.18 654.82 8728.40
3 504.79 695.21 8033.19
4 461.91 738.09 7295.10
5 416.39 783.61 6511.49
6 368.06 831.94 5679.55
7 316.75 883.25 4796.30
8 262.27 937.73 3858.57
9 204.43 995.57 2863.00
10 143.03 1056.97 1806.03
11 77.84 1122.16 683.87
12 13.71 683.87 0.00
********** puter sez...
pae 25 $/week
pae off lone in total pae tot interest
months yeer mon $ $
123 10 4 13,420.25 3420.25
yeer tu tu balans
interest prinsapal $
1 579.00 721.00 9279.00
2 534.44 765.56 8513.44
3 487.13 812.87 7700.57
4 436.90 863.10 6837.47
5 383.56 916.44 5921.03
6 326.92 973.08 4947.95
7 266.79 1033.21 3914.74
8 202.93 1097.07 2817.67
9 135.14 1164.86 1652.81
10 63.15 1236.85 415.96
11 4.29 415.96 0.00
sampel output 2:
program 3, output 2...find balans aft yu pae on a lone for sum time
run prog on 11 Jan 2004 at 18:41
********** stuff yu input tu puter
borroed paement lone length time yu paed on lone
$ $/month yeer month yeer month
100,000 599.55 30 0 10 0
********** puter sez...
interest balans
% $
6.00 83,685.81
********** with xtra paement av 100.00 $/month
normal time tot pae with xtra paements nu save save save save
$/month months $ $/month tot pae months $ months yeer mont
599.55 240 143,893 699.55 127,868 183 16,024 57 4 9
********** with xtra paement av 300.00 $/quarter
normal time tot pae with xtra paements nu save save save save
$/month months $ $/month tot pae months $ months yeer mont
599.55 240 143,893 699.55 127,719 183 16,173 57 4 9
********** with xtra paement av 1000.00 $/yeer
normal time tot pae with xtra paements nu save save save save
$/month months $ $/month tot pae months $ months yeer mont
599.55 240 143,893 682.88 129,157 189 14,736 51 4 3
program 3, output 2...find balans aft yu pae on a lone for sum time
run prog on Fri 13 Feb 2004 at 14:49
********** stuff yu input tu puter
borroed paement lone leng time paed lone start erlee paeoff
$ $/month yeer month yeer month dae mont yr yeers months
100,000 599.55 30 0 10 0 0 0 0 10 0
********** puter sez...
interest balans months
% $ paed
6.00 83,685.81 120
********** puter sez tu pae off lone in 120 months
nu paement= 929.08 $/month or 329.53 $ more
normal time tot pae with nu payment nu save save save save
$/month months $ $/month tot pae months $ months yeer mont
599.55 240 143,893 929.08 111,490 120 32,402 120 10 0
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
<************ program 4...maxmorg >
This kumputes max $ yu kan borro such as yu wanna getta morgage.
Output 1= simpel vershun. It assumes yu no max $/month yu kan spend
tu pae bak lone. If yu wanna bi a hous, it meens yu faktered in
all other hous kosts...taxes, insurance, utilities, upkeep, etc.
That meens yu set aside y$/month for em kosts.
output 2 is more komplex...it yuz bank rules.
Tu run program 4, output 1 klik heer
Tu run program 4, output 2 klik heer
Sampel output...last column is if yu put 3% kloesing kost intu lone.
prog 4, maxmorg...output 1 time=20:43:53 30 Dec 2003
this komputes max $ yu kan borro
********** stuff yu input tu puter
paement interest down
$/month % %
500.00 6.00 20.00
********** puter sez...
yeers $/month interest % down max borro max hous kloezkost
5 500.00 6.00 20.00 25,862 32,328 31,358
10 500.00 6.00 20.00 45,036 56,295 54,606
15 500.00 6.00 20.00 59,251 74,064 71,842
20 500.00 6.00 20.00 69,790 87,237 84,620
25 500.00 6.00 20.00 77,603 97,004 94,094
30 500.00 6.00 20.00 83,395 104,244 101,117
prog 4, maxmorg, output 2 time=08:18:27 31 Dec 2003
program assumes max morgage paement=28% av gross inkum
and total $/month av all debt=36% av gross inkum
********** stuff yu input tu puter...
gross debt pae down num interest prop tax insure max max
inkum $/month paement yeers rate % % lone debt
50,000 400.00 2000 30 6.00 3.00 .50 28.0% 36.0%
********** puter sez...
max lone max hous morgage eskroe taxes insure
$ $ $/month $/month $ $
118,450 120,450 748.69 351.31 3613.51 602.25
lone+eskro= 1100.00 $/month= 13,200$/yeer= 26.40 % av gross inkum
down pae is < 20%, add pmi=.5% tu lone... interest= 6.50%
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
<************ program 5...kompare >
Kompare 2 lones tu see which is cheeper. This adds kloesing kosts
tu lone for komparisun bekaus if yu pae kosts outside the lone, yu
reduce savings weer it wood hav erned interest... the potenshal
interest yu dont get is a kost.
Tu run program 5 klik heer
prog 5...kompare run at time=09:53:26 31 Dec 2003
*********** yu input tu puter...
lone 1 lone 2
.................................... ....................................
$ % # . kloes $ % # . kloes
borro interest yeers points kosts borro interest yeers points kosts
100,000 6.00 30 .00 2000. 100,000 5.50 30 3.00 2000.
*********** puter sez...
paement total paement total
$/month kost $/month kost
611.54 220,155 596.18 214,624
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
<************ program 6...lonepoint >
Calculate the effektive % interest av points & kloes kosts.
Output 1...banker sho yu the kosts.
Output 2...banker hide the kosts.
Tu run program 6 output 1 klik heer
Tu run program 6 output 2 klik heer
program 6, output 1...sho effekt av points & kloes kosts
run prog on 25 Jan 2004 at 09:52
********** stuff yu input tu puter
borro interest num points kloes
$ % yeers % kost
100,000 6.00 30 2.00 3000$
********** puter sez...
....... no kost lone ......... with points & kloes kosts
paement total total paement total total
$/month pae interest $/month pae interest
599.55 215,838 115,838 629.53 226,630 126,630
reel $ borroed = 105,000
reel interest rate= 6.461% wen add kosts tu lone
yu pae 10,792.00 $ more
program 6, output 2...find kost av lone wen banker advertize APR rate
run prog on 25 Jan 2004 at 09:42
********** stuff yu input tu puter
borro num % APR
$ yeers interest %
100,000 30 6.00 6.50
********** puter sez...
paement nominal reel up front total pae interest
$/month $ borro $ borro $ kost $ $ pae
599.55 100,000 94,855.38 5144.62 215,838 115,838
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
<************ program 7...loneinter >
4 numbers define a lone...1=$ borroed
2=lone length (yeers & months)
3=interest rate (%)
4=paement ($/month).
If yuno 3 av em, puter calculate the other. Ther R 4 waes tu duit.
Suppose yu R 10 yr intu a 30yr lone & wanna retire in 10 yeers.
But yu want tu pae off morgage bi then... 10 yeers erlee.
First yu need tuno the balans yu oe on the lone. Maby yu lost the
amortizashun skedyuel yeers ago & the bank wont giv yu the time av dae.
1. Won wae is yuz prog 1 tu print the sked & look at the 10 yr point.
2. prog 3, output 2 will giv balans due after paeing fer sum time.
3. Or if yu want, yu kan duit heer...output 2.
Output 2 is fer wen yu dont no $ borroed. We trik it tu giv the $
yu oe now... tell it lone has 20 yeers tu go. Program look at it like
a nu lone & giv yu $ yu gotta borro now...i.e. $ yu oe now.
Anser=83,686$. note...this pute it different from program 3, but
ansers onlee differ bi 0.16$.
Next, run output 4 tu get $/month tu pae off lone in 10 yeers.
Anser=929.08$/month. Yu now pae 599.55$/month, so yu gotta pae
xtra 329.53$/month tu pae off lone in half the time.
Tu run program 7, output 1 (find % interest) klik heer
Tu run program 7, output 2 (find $ borroed ) klik heer
Tu run program 7, output 3 (find time left ) klik heer
Tu run program 7, output 4 (find $/month ) klik heer
Tu run program 1, output 1 (print pae tabel) klik heer
Tu run program 3, output 1 (chek paement) klik heer
Tu run program 3, output 2 (get balans) klik heer
prog 7, output 1...loneinp1 time=08:04:00 27 Jan 2004
********** stuff yu input tu puter
$ paement time span
borro $/month yeer month
20,000 400.00 5 7
********** puter sez...
interest
%
10.91
prog 7, output 2 time=15:09:47 31 Dec 2003
********** stuff yu input tu puter
paement interest time span
$/month %/yeer yeer month
599.55 6.00 20 0
********** puter sez...
borroed
$
83,685.65
prog 7, output 3 time=15:52:43 31 Dec 2003
********** stuff yu input tu puter
$ paement interest
borro $/month rate
83,686.00 600.00 6.00
********** puter sez...
time span
yeer month
20 0
prog 7, output 4 time=16:29:05 31 Dec 2003
********** stuff yu input tu puter
$ time span interest
borro yeer month %
83,685.65 10 0 6.00
********** puter sez...
paement
$/month
929.08
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
<************ program 8...refinans >
Refinance a morgage...yuz smaller % interest tu cut $/month.
output 1...see how long tu pae off kosts av the refi.
output 2...find nu % interest tu offset kloes kosts in 2 yeers.
output 3...keep same paement. Yuz smaller % tu pae off lone erlee.
Yu R badder off til yu pae off the refi kost. Aft that yu R ahed.
Results depend most on dif in % interest & how big the kosts.
Make shuer yu hav akkurate kost numbers from reliabel banker.
If it take > 2 yeers tu pae off kosts, not werth it.
Tu run program 8 output 1 klik heer
Tu run program 8 output 2 klik heer
Tu run program 8 output 3 klik heer
program 8, output 1...refinans morgage...
how long take smaller paement tu pae off kosts
run prog on 28 Jan 2004 at 10:41
********** stuff yu input tu puter
old nu nu nu kloes
paement borroed num interest kosts
$/month $ yeer % $
665.30 100,000 30 6.00 2000
********** puter sez... time tu
old inter nu paement save pae off save
% $/month $/month months $
7.00 599.55 65.75 30.42 21,670.00
program 8, output 2...refinans morgage...
get nu % interest tu pae off kosts in 2 yeers
run prog on 28 Jan 2004 at 09:46
********** stuff yu input tu puter
old nu nu kloes
paement borroed num kosts
$/month $ yeer $
665.30 100,000 30 2000
********** puter sez...
old inter nu nu save tot save
% % $/month $/month $
7.00 5.73 581.97 83.33 28,000.00
program 8, output 3...refinans morgage...
keep same paement...yuz smaller % tu pae off morgage erlee
run prog on 28 Jan 2004 at 11:33
********** stuff yu input tu puter
borro paement old % nu % kosts
$ $/month interest interest $
83,686 599.55 6.00 5.00 2000
********** puter sez...
lone time span total $ pae save save
old nu old nu month $
241 218 143,893 130,504 23 13,388.76
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
<************ program 9...bi2week >
Yu kan save $ & time if yu konvert morgage tu biweeklee. This is
weer yu pae evree 2 weeks insted av 1 time a month. Warning...
beware av krooks hu send junk mael saeing em will duit fer yu for
onlee 179.9999$. Most bankers chaenj theer papers free. A greedee
banker mite chaerj 25$. Maby a fone kall will duit in 10 minutes.
Biweekly paements...Divide $/month bi 2 & send in that number
evree 2 weeks. But yu pae 26 times/yeer. So $/yeer is like 13 month
paements...yu pae more eech yeer. But yu pae off lone erlee & save
big buks on interest.
Output 1 is a tabel for raenj av yeers.
Output 2 is for a nu lone yu look at.
Output 3 is old lone yu paed on for sum time.
Tu run program 9, output 1 klik heer
Tu run program 9, output 2 klik heer
Tu run program 9, output 3 klik heer
Warning...warning...warning...theer R krooks & then theer R legal
krooks. Legit wons setup an in-hous "eskroe" akkount tu put yer $ in.
Then em send the banker the regular paement eech month, but onlee if
hav nuff $ in this "eskroe" akkount. But em takeout the "fee" av
179.99999$ up front. Exampel...yu pae 600$/month on morgage. Send em
300$ 2 times. Em subtrakt 179.99$ & 2% fee. Akkount has 408$. Em
waet til yu send paement 3...akkount now has 702$. So em send 600$
monthlee paement after 6 weeks+time fer em tu duit+time for maelman
tu get $ tu banker. Paement is 15 daes late...beyond the 10 dae graes
period. Banker tells all kredit plaeses yu was late. Yer kredit is
ruened. And it is legal. The "firm" did wot it sed it wood.
If yer banker wont chaenj yer morgage tu biweek, duit yerself.
setup yer "eskroe" akkount (maby a separate akkount, but it kan be
just in yer mind). If yu put in $ evree 2 weeks per the formula &
send $ tu banker evree month, yu akumulate the excess in the spesel
akkount. Yu kan then send in the exsess wenever yu feel like it as a
xtra paement. Be shuer tu mark it so banker no it is tu be yuzed
onlee tu redues balans. Dont wanna konfyuze banker. Him fyuzed nuff
without help.
Even simpler...send in xtra $ with eech paement. If yu send in
600$/month tu banker (prinsapel+interest part onlee), 1 xtra paement=
600$=50$/month. So send in xtra 50$ with eech monthlee paement.
Get almost same result as biweeklee pae. Run program 3, output 2 tu
see how xtra $ evree month will pae off lone erlee & save interest.
Tu run program 3,output 2 klik heer
******* sampel output
prog 9 output 1 time=09:50:38 1 Jan 2004
kompare biweekly paement tu monthly
********** stuff yu input tu puter
$ interest
borro %
100,000.00 6.00
********** puter sez...
monthly total total biweekly payoff months
yeers paement $ pae in $ interest $ pae in $ save yeer mon save
5 1933.28 115,996 15,996 114,389 1606 4 7 5
10 1110.21 133,224 33,224 129,413 3811 9 0 12
15 843.86 151,894 51,894 144,923 6,970 13 3 21
20 716.43 171,943 71,943 160,602 11,340 17 3 33
25 644.30 193,290 93,290 176,094 17,196 21 0 48
30 599.55 215,837 115,837 191,026 24,811 24 6 67
35 570.19 239,479 139,479 205,045 34,433 27 8 88
40 550.21 264,102 164,102 217,853 46,249 30 5 115
output 2 is specific tu a nu lone yu R thanking bout.
prog 9 output 2 time=10:22:27 1 Jan 2004
kompare biweekly paement tu monthly
********** stuff yu input tu puter
$ interest number
borro % yeers
100,000.00 6.00 30
********** puter sez...
monthly total total biweekly payoff months
yeers paement $ pae in $ interest $ pae in $ save yeer mon save
30 599.55 215,837 115,837 191,026 24,811 24 6 67
output 3 is for old lone yu ben paing on for sum time.
prog 9 output 3 time=10:59:47 1 Jan 2004
Yu ben paeing on a lone, wot diff if konvert tu biweekly?
********** stuff yu input tu puter
$ interest paement
borro % $/month
83,686.00 6.00 600.00
********** puter sez...
monthly total total biweekly payoff months
yeers paement $ pae in $ interest $ pae in $ save yeer mon save
20 600.00 143,793 60,107 134,326 9,466 17 3 33
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
<************ program 10...paewon >
See wot yu save if yu send in xtra x$ 1-time pae on a lone.
output 1=1 xtra paement with paement 1.
output 2=xtra paement 1 time evree yeer.
output 3=yu specifi yer lone & 1-time xtra paement.
Tu run program 10, output 3 klik heer
prog 10...std output...1 xtra paement with paement 1
see how cut cost & time tu pae off time=13:19:42 1 Jan 2004
30 yeer lone, borro=100,000$
interest std pae nu pae dollars % months
% $ $ save save save
4.00 171,869 170,776 1092 0.63 3
5.00 193,255 191,421 1834 0.94 4
6.00 215,838 212,887 2950 1.36 5
7.00 239,508 234,912 4596 1.91 7
8.00 264,155 257,167 6,987 2.64 10
9.00 289,664 279,264 10,399 3.59 13
10.00 315,925 300,750 15,174 4.80 18
11.00 342,836 321,119 21,717 6.33 23
12.00 370,300 339,851 30,449 8.22 30
13.00 398,232 356,451 41,780 10.49 38
14.00 426,554 370,538 56,015 13.13 48
15.00 455,199 381,881 73,318 16.10 58
16.00 484,112 390,461 93,651 19.34 70
17.00 513,243 396,451 116,791 22.75 82
18.00 542,550 400,169 142,381 26.24 95
prog 10...output 2...1 xtra paement evree yeer
see how cut cost & time tu pae off time=13:46:26 1 Jan 2004
30 yeer lone, borro=100,000$
interest std pae nu pae dollars % months
% $ $ save save save
4.00 171,869 160,337 11,531 6.70 50
5.00 193,255 175,665 17,590 9.10 58
6.00 215,838 190,357 25,480 11.80 67
7.00 239,508 204,065 35,443 14.79 77
8.00 264,155 216,491 47,663 18.04 87
9.00 289,664 227,431 62,232 21.48 99
10.00 315,925 236,788 79,137 25.04 111
11.00 342,836 244,572 98,264 28.66 123
12.00 370,300 250,882 119,418 32.24 135
13.00 398,232 255,879 142,352 35.74 146
14.00 426,554 259,752 166,802 39.10 157
15.00 455,199 262,694 192,505 42.29 168
16.00 484,112 264,875 219,237 45.28 179
17.00 513,243 266,441 246,801 48.08 188
18.00 542,550 267,554 274,996 50.68 196
sample output 3...yu spesifi a lone yu hav now & make 1 xtra paement
program 10, output 3...1-time xtra pae on a lone
run prog on 6 Feb 2004 at 08:42
********** stuff yu input tu puter
yu oe interest paement xtra $
$ % $/month $
83,686 6.00 600.00 400.00
********** puter sez...
.....old lone.......* with 1 xtra paement $ months
$ tu pae months * $ pae months save save
143,793 240 * 142,875 238 917.83 2
paebak=2.29 tu 1
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
<************ program 11...neergro >
If yu wanna save for a big bill yu no will kum in neer fyucher...
Hous taxes, bi kar, down pae on nu hous, or longer such as kid skuel.
In thees times av zero % interest it iz eezee tu see $/step (week,month
yeer)=($ yu want)/numsteps. But in normal times, yu kan get 3-6% on
short term "instruments" such as money market fund or cds.
Even at 0%, yu save bekauz...wen yu hav $ on hand, yu dont borro it.
Thus yu save the interest yu dont pae the bank. If time til yu need $
is a littel longer, short-term bonds pae more %. Evree bit helps.
Munee funds & banks pae & kompound interest evree month. Bonds
& cd's less oft. Numbers belo assume kompound evree month.
Tu run program 11, output 1 klik heer
prog 11, output 1 run at...time=16:06:09 1 Jan 2004
tu amass x$ in neer fyucher, how much gotta save?
********** stuff yu input tu puter
yu want interest time span
$ % yeer month
10,000 3.50 3 7
********** puter sez
save num 1$/month
$/month months gro tu $
217.982 43 45.8753
output 2...tabel av $/month yu gotta save for raenj av % & yeers.
prog 11...neergro, run at...time=08:49:48 20 Jan 2004
$/month yu gotta save tu get 100,000$ over raenj av interest rates & # yeers
yeer 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00%
1 8288.30 8243.48 8198.87 8154.48 8110.29 8066.31 8022.54 7978.98 7935.63 7892.48
2 4123.44 4080.56 4038.03 3995.84 3954.00 3912.50 3871.34 3830.53 3790.05 3749.91
3 2735.20 2693.10 2651.49 2610.36 2569.72 2529.55 2489.85 2450.63 2411.88 2373.61
4 2041.11 1999.51 1958.54 1918.18 1878.44 1839.31 1800.79 1762.87 1725.56 1688.85
5 1624.69 1583.47 1543.01 1503.31 1464.36 1426.15 1388.69 1351.96 1315.97 1280.70
6 1347.09 1306.20 1266.20 1227.09 1188.87 1151.53 1115.06 1079.46 1044.72 1010.83
7 1148.83 1108.23 1068.66 1030.11 992.59 956.08 920.56 886.05 852.51 819.95
8 1000.16 959.82 920.66 882.65 845.80 810.09 775.51 742.05 709.70 678.43
9 884.53 844.45 805.68 768.20 732.01 697.09 663.42 631.00 599.79 569.79
10 792.05 752.21 713.82 676.86 641.32 607.17 574.40 542.99 512.91 484.14
11 716.39 676.80 638.78 602.33 567.42 534.03 502.15 471.73 442.76 415.19
12 653.36 613.99 576.35 540.39 506.11 473.48 442.47 413.03 385.14 358.76
13 600.03 560.90 523.61 488.16 454.50 422.61 392.45 363.98 337.15 311.92
14 554.33 515.42 478.50 443.53 410.49 379.34 350.03 322.50 296.71 272.60
15 514.73 476.05 439.48 405.00 372.57 342.15 313.67 287.07 262.30 239.28
16 480.09 441.63 405.42 371.42 339.60 309.89 282.23 256.55 232.77 210.81
17 449.54 411.29 375.44 341.92 310.69 281.69 254.84 230.06 207.25 186.32
18 422.39 384.36 348.85 315.81 285.18 256.88 230.82 206.92 185.06 165.13
19 398.10 360.29 325.13 292.56 262.52 234.91 209.64 186.59 165.65 146.70
20 376.25 338.65 303.84 271.74 242.28 215.35 190.85 168.65 148.61 130.60
21 356.48 319.10 284.63 253.00 224.12 197.87 174.12 152.74 133.58 116.48
22 338.52 301.35 267.23 236.06 207.75 182.16 159.16 138.59 120.27 104.05
23 322.13 285.17 251.39 220.68 192.94 168.01 145.74 125.95 108.45 93.07
24 307.11 270.36 236.92 206.67 179.48 155.20 133.65 114.62 97.93 83.36
25 293.29 256.76 223.65 193.86 167.23 143.58 122.73 104.45 88.53 74.74
26 280.55 244.22 211.45 182.11 156.03 133.01 112.85 95.30 80.12 67.08
27 268.75 232.64 200.20 171.30 145.76 123.37 103.88 87.03 72.58 60.26
28 257.80 221.89 189.79 161.34 136.34 114.55 95.72 79.56 65.81 54.18
29 247.61 211.91 180.14 152.13 127.66 106.47 88.28 72.79 59.71 48.74
30 238.11 202.62 171.18 143.60 119.66 99.06 81.49 66.65 54.22 43.87
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
<************ program 12...inflate >
output 1...flate rate in 1 yeer
2...flate rate tween 2 yeers
3...input % flate rate tu see wot 1$ gro tu n yeers from now.
4...tabel for raenj av % flate...see how much bigger fyucher
numbers R (fyucher value av munee).
5...invers av output 4...how flate reduce value av 1$.
(present value av munee).
Cost av living numbers for past yeers kum from Federal Reserv Bank
at Minneapolis (numbers for 1800 thru 2003).
Tu run program 12, output 1 klik heer
Tu run program 12, output 2 klik heer
Tu run program 12, output 3 klik heer
Tu run program 12, output 4 klik heer
Tu run program 12, output 5 klik heer
output 1=flate rate for 1 yeer
flate rate in yeer=1801 was -2.0%
flate rate in yeer=1863 was 23.3%
flate rate in yeer=1900 was 0.0%
flate rate in yeer=2000 was 3.4%
flate rate in yeer=2003 was 2.1%
output 2=flate rate tween 2 yeers
********** puter sez...
from 1801 tu 1900 ratio= .500 total flate= -50.0% or -.70%/yeer
from 1900 tu 2000 ratio= 20.640 total flate= 1964.0% or 3.07%/yeer
from 2000 tu 2003 ratio= 1.066 total flate= 6.6% or 2.17%/yeer
from 1800 tu 2003 ratio= 10.765 total flate= 976.47% or 1.177 %/yeer
prog 12 (flate) run at time=17:56:08 1 Jan 2004
output 3=fyucher flate fakter=how many $ yu need in fyucher tu = 1$ now
..... input .... output
flate rate time flate fakter
%/yeer yeers
3.50 8 1.31681
3.50 10 1.41060
10.00 10 2.593742
10.00 50 117.3909
10.00 100 13780.61
10.00 150 1617718.
10.00 200 .1899053E+09
program 12...output 4 time=19:13:17 23 Dec 2003
fyucher flate fakter...num fyucher $ = 1 $ now.
yeers 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00% 11.00%
1 1.010 1.020 1.030 1.040 1.050 1.060 1.070 1.080 1.090 1.100 1.110
2 1.020 1.040 1.061 1.082 1.102 1.124 1.145 1.166 1.188 1.210 1.232
3 1.030 1.061 1.093 1.125 1.158 1.191 1.225 1.260 1.295 1.331 1.368
4 1.041 1.082 1.126 1.170 1.216 1.262 1.311 1.360 1.412 1.464 1.518
5 1.051 1.104 1.159 1.217 1.276 1.338 1.403 1.469 1.539 1.611 1.685
6 1.062 1.126 1.194 1.265 1.340 1.419 1.501 1.587 1.677 1.772 1.870
7 1.072 1.149 1.230 1.316 1.407 1.504 1.606 1.714 1.828 1.949 2.076
8 1.083 1.172 1.267 1.369 1.477 1.594 1.718 1.851 1.993 2.144 2.305
9 1.094 1.195 1.305 1.423 1.551 1.689 1.838 1.999 2.172 2.358 2.558
10 1.105 1.219 1.344 1.480 1.629 1.791 1.967 2.159 2.367 2.594 2.839
15 1.161 1.346 1.558 1.801 2.079 2.397 2.759 3.172 3.642 4.177 4.785
20 1.220 1.486 1.806 2.191 2.653 3.207 3.870 4.661 5.604 6.727 8.062
25 1.282 1.641 2.094 2.666 3.386 4.292 5.427 6.848 8.623 10.835 13.585
30 1.348 1.811 2.427 3.243 4.322 5.743 7.612 10.063 13.268 17.449 22.892
35 1.417 2.000 2.814 3.946 5.516 7.686 10.677 14.785 20.414 28.102 38.575
40 1.489 2.208 3.262 4.801 7.040 10.286 14.974 21.725 31.409 45.259 65.001
45 1.565 2.438 3.782 5.841 8.985 13.765 21.002 31.920 48.327 72.890 109.530
50 1.645 2.692 4.384 7.107 11.467 18.420 29.457 46.902 74.358 117.391 184.565
output 5...How fyucher inflashun degrades value av 1$
program 12, output 5...tabel av how flate ruens a $
run prog on 15 Jan 2004 at 18:56
********** stuff yu input tu puter
min max step
% % %
1 10 1
********** puter sez...
yeers 1% 2% 3% 4% 5% 6% 7% 8% 9% 10%
1 0.99010 0.98039 0.97087 0.96154 0.95238 0.94340 0.93458 0.92593 0.91743 0.90909
2 0.98030 0.96117 0.94260 0.92456 0.90703 0.89000 0.87344 0.85734 0.84168 0.82645
3 0.97059 0.94232 0.91514 0.88900 0.86384 0.83962 0.81630 0.79383 0.77218 0.75131
4 0.96098 0.92385 0.88849 0.85480 0.82270 0.79209 0.76290 0.73503 0.70843 0.68301
5 0.95147 0.90573 0.86261 0.82193 0.78353 0.74726 0.71299 0.68058 0.64993 0.62092
6 0.94205 0.88797 0.83748 0.79031 0.74622 0.70496 0.66634 0.63017 0.59627 0.56447
7 0.93272 0.87056 0.81309 0.75992 0.71068 0.66506 0.62275 0.58349 0.54703 0.51316
8 0.92348 0.85349 0.78941 0.73069 0.67684 0.62741 0.58201 0.54027 0.50187 0.46651
9 0.91434 0.83676 0.76642 0.70259 0.64461 0.59190 0.54393 0.50025 0.46043 0.42410
10 0.90529 0.82035 0.74409 0.67556 0.61391 0.55839 0.50835 0.46319 0.42241 0.38554
15 0.86135 0.74301 0.64186 0.55526 0.48102 0.41727 0.36245 0.31524 0.27454 0.23939
20 0.81954 0.67297 0.55368 0.45639 0.37689 0.31180 0.25842 0.21455 0.17843 0.14864
25 0.77977 0.60953 0.47761 0.37512 0.29530 0.23300 0.18425 0.14602 0.11597 0.09230
30 0.74192 0.55207 0.41199 0.30832 0.23138 0.17411 0.13137 0.09938 0.07537 0.05731
35 0.70591 0.50003 0.35538 0.25342 0.18129 0.13011 0.09366 0.06763 0.04899 0.03558
40 0.67165 0.45289 0.30656 0.20829 0.14205 0.09722 0.06678 0.04603 0.03184 0.02209
45 0.63905 0.41020 0.26444 0.17120 0.11130 0.07265 0.04761 0.03133 0.02069 0.01372
50 0.60804 0.37153 0.22811 0.14071 0.08720 0.05429 0.03395 0.02132 0.01345 0.00852
55 0.57853 0.33650 0.19677 0.11566 0.06833 0.04057 0.02420 0.01451 0.00874 0.00529
60 0.55045 0.30478 0.16973 0.09506 0.05354 0.03031 0.01726 0.00988 0.00568 0.00328
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
<************ program 13...konstgro >
how a pile-o-$ gro from kompound interest (retern) onlee.
Yu start with x $...dont add NE thang tuit aft start.
output 1...input $, %, num yeers...puter giv yu fyucher $.
output 2...Yuno pries (kost, value) at start & end av time span.
puter giv yu the %/yeer pries chaenjed (up or down).
output 3...tabel av how $ gro from kompound interest, raenj av % & yrs.
Tu run program 13, output 1 klik heer
Tu run program 13, output 2 klik heer
Tu run program 13, output 3 klik heer
program 13, output 1...see how munee gro from kompounded interest alone
run prog on Sun 22 Feb 2004 at 07:48
********** stuff yu input tu puter
start interest time
$ % yeers
10,000.00 8.50 25
********** puter sez...
yer numee gro tu 76,867.62$, kompounded evree yeer
yer numee gro tu 81,885.49$, kompounded evree quarter
yer numee gro tu 83,104.13$, kompounded evree month
yer numee gro tu 83,415.23$, kompounded 2 times a month
yer numee gro tu 83,439.27$, kompounded evree 2 weeks
yer numee gro tu 83,583.84$, kompounded evree week
program 13, output 2
the $ kost (value) av sumthan go up over yeers...tu get the %/yeer inkrees
run prog on Fri 13 Feb 2004 at 08:09
********** stuff yu input tu puter
start end time span
$ $ yrs mon
1000.00 3000.00 5 7
********** puter sez...
pries went up 21.746 %/yeer
program 13, output 3...tabel sho how pries (value, cost) go up...raenj av % inkrees
run prog on Fri 13 Feb 2004 at 10:26
ratemin=3 max=10 step=1
********** stuff yu input tu puter
min max step kompound bi
% % % yeer qtr month biweek week
3 10 1 y n n
********** puter sez...
how 1000$ gro at fixed interest rate
kompounded wons a yeer
interest rate yer munee erns
yeers 3% 4% 5% 6% 7% 8% 9% 10%
1 1030.00 1040.00 1050.00 1060.00 1070.00 1080.00 1090.00 1100.00
2 1060.90 1081.60 1102.50 1123.60 1144.90 1166.40 1188.10 1210.00
3 1092.73 1124.86 1157.63 1191.02 1225.04 1259.71 1295.03 1331.00
4 1125.51 1169.86 1215.51 1262.48 1310.80 1360.49 1411.58 1464.10
5 1159.27 1216.65 1276.28 1338.23 1402.55 1469.33 1538.62 1610.51
6 1194.05 1265.32 1340.10 1418.52 1500.73 1586.87 1677.10 1771.56
7 1229.87 1315.93 1407.10 1503.63 1605.78 1713.82 1828.04 1948.72
8 1266.77 1368.57 1477.46 1593.85 1718.19 1850.93 1992.56 2143.59
9 1304.77 1423.31 1551.33 1689.48 1838.46 1999.00 2171.89 2357.95
10 1343.92 1480.24 1628.89 1790.85 1967.15 2158.92 2367.36 2593.74
11 1384.23 1539.45 1710.34 1898.30 2104.85 2331.64 2580.43 2853.12
12 1425.76 1601.03 1795.86 2012.20 2252.19 2518.17 2812.66 3138.43
13 1468.53 1665.07 1885.65 2132.93 2409.85 2719.62 3065.80 3452.27
14 1512.59 1731.68 1979.93 2260.90 2578.53 2937.19 3341.73 3797.50
15 1557.97 1800.94 2078.93 2396.56 2759.03 3172.17 3642.48 4177.25
16 1604.71 1872.98 2182.87 2540.35 2952.16 3425.94 3970.31 4594.97
17 1652.85 1947.90 2292.02 2692.77 3158.82 3700.02 4327.63 5054.47
18 1702.43 2025.82 2406.62 2854.34 3379.93 3996.02 4717.12 5559.92
19 1753.51 2106.85 2526.95 3025.60 3616.53 4315.70 5141.66 6115.91
20 1806.11 2191.12 2653.30 3207.14 3869.68 4660.96 5604.41 6727.50
21 1860.29 2278.77 2785.96 3399.56 4140.56 5033.83 6108.81 7400.25
22 1916.10 2369.92 2925.26 3603.54 4430.40 5436.54 6658.60 8140.27
23 1973.59 2464.72 3071.52 3819.75 4740.53 5871.46 7257.87 8954.30
24 2032.79 2563.30 3225.10 4048.93 5072.37 6341.18 7911.08 9849.73
25 2093.78 2665.84 3386.35 4291.87 5427.43 6848.48 8623.08 10,835
26 2156.59 2772.47 3555.67 4549.38 5807.35 7396.35 9399.16 11,918
27 2221.29 2883.37 3733.46 4822.35 6213.87 7988.06 10,245 13,110
28 2287.93 2998.70 3920.13 5111.69 6648.84 8627.11 11,167 14,421
29 2356.57 3118.65 4116.14 5418.39 7114.26 9317.27 12,172 15,863
30 2427.26 3243.40 4321.94 5743.49 7612.26 10,063 13,268 17,449
31 2500.08 3373.13 4538.04 6088.10 8145.11 10,868 14,462 19,194
32 2575.08 3508.06 4764.94 6453.39 8715.27 11,737 15,763 21,114
33 2652.34 3648.38 5003.19 6840.59 9325.34 12,676 17,182 23,225
34 2731.91 3794.32 5253.35 7251.03 9978.11 13,690 18,728 25,548
35 2813.86 3946.09 5516.02 7686.09 10,677 14,785 20,414 28,102
36 2898.28 4103.93 5791.82 8147.25 11,424 15,968 22,251 30,913
37 2985.23 4268.09 6081.41 8636.09 12,224 17,246 24,254 34,004
38 3074.78 4438.81 6385.48 9154.25 13,079 18,625 26,437 37,404
39 3167.03 4616.37 6704.75 9703.51 13,995 20,115 28,816 41,145
40 3262.04 4801.02 7039.99 10,286 14,974 21,725 31,409 45,259
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
<*************** program 14...gromonth >
program 14=add x $/(yeer, quarter, month, etc). Add in kompound
interest. Watch it gro.
output 1=yu tell puter # yeers, % retern, how many $ per wotever.
output 2=tabel tu sho gro at raenj av % and number yeers.
output 3=yu save & invest regular & want it tu gro tu x$ in n yeers.
Tu run program 14, output 1 klik heer
Tu run program 14, output 2 klik heer
Tu run program 14, output 3 klik heer
program 14, output 1...add $/(yeer, quarter, month)
add in kompounded interest...see it gro
run prog on Fri 13 Feb 2004 at 19:18
********** stuff yu input tu puter
time interest $ per $ per $ per $ per $ per
yeers % yeer quarter month 2 weeks weeks
30 8.50 2000.00 500.00 166.67 77.00 38.50
********** puter sez...
$/yeer % inter # yeers $ gro tu
2000.00 8.50 30 269,545.95
********** puter sez...
$/quart % inter # yeers $ gro tu
500.00 8.50 30 275,604.86
********** puter sez...
$/month % inter # yeers $ gro tu
166.67 8.50 30 277,071.91
********** puter sez...
$/biweek % inter # yeers $ gro tu
77.00 8.50 30 277,745.08
********** puter sez...
$/week % inter # yeers $ gro tu
38.50 8.50 30 277,918.24
program 14, output 2...make a tabel av how munee gro for raenj av % & yr
run prog on Sat 14 Feb 2004 at 08:47
********** stuff yu input tu puter
min max step $/yeer $/month
% % %
3 9 1 0 100
********** puter sez...
add 100 $/month interest kompounds evree month
interest rate yer munee erns
yeers 3% 4% 5% 6% 7% 8% 9%
1 1219.68 1226.32 1233.00 1239.72 1246.49 1253.29 1260.14
2 2476.46 2502.60 2529.09 2555.91 2583.08 2610.61 2638.49
3 3771.46 3830.88 3891.48 3953.28 4016.30 4080.58 4146.14
4 5105.85 5213.28 5323.58 5436.83 5553.13 5672.56 5795.21
5 6480.83 6652.00 6828.94 7011.89 7201.05 7396.67 7598.98
6 7897.63 8149.33 8411.33 8684.09 8968.10 9263.88 9571.96
7 9357.53 9707.67 10,075 10,459 10,863 11,286 11,730
8 10,862 11,329 11,823 12,344 12,895 13,476 14,091
9 12,412 13,017 13,661 14,345 15,073 15,848 16,672
10 14,009 14,774 15,593 16,470 17,409 18,417 19,497
11 15,655 16,602 17,624 18,725 19,914 21,198 22,586
12 17,351 18,505 19,758 21,120 22,601 24,211 25,964
13 19,098 20,485 22,002 23,662 25,481 27,474 29,660
14 20,899 22,546 24,361 26,362 28,569 31,008 33,703
15 22,754 24,691 26,840 29,227 31,881 34,835 38,124
16 24,666 26,923 29,446 32,270 35,432 38,979 42,961
17 26,636 29,247 32,186 35,500 39,240 43,468 48,251
18 28,666 31,664 35,066 38,929 43,323 48,329 54,037
19 30,757 34,181 38,093 42,570 47,702 53,593 60,367
20 32,912 36,800 41,275 46,435 52,397 59,295 67,290
21 35,133 39,525 44,619 50,539 57,431 65,469 74,862
22 37,421 42,362 48,135 54,896 62,829 72,157 83,145
23 39,779 45,314 51,831 59,521 68,617 79,399 92,204
24 42,209 48,387 55,716 64,432 74,824 87,242 102,114
25 44,712 51,584 59,799 69,646 81,480 95,737 112,953
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
<*************** 15...baloon >
A baloon lone is short time, fixed interest rate, fixed paement.
yu gotta pae off lone at the end av the "term"...3-7 yeers. That meens
yu gotta refinans it wen it "kum due". Thees lones floet up wen interest
rates R hi...not now. Yu shood get a loer % interest bekauz em R
short term. If yer banker dont offer less % inter, get diff banker.
Yu get this tipe lone bekauz yu thank interest rates will drop in a fyu
yeers. (or maby yu gonna inherit megabuks bi then).
Banker putes the paement based on a 30-yeer, fixed rate lone. Yuz
program 1 tu get the $/month paement. Get the opshunal print tu tell
yu how much yu will oe on the lone aft x yeers wen yu gotta refinans.
Or yu kan get a lone with fixed % interest for 5 yeers, then it bekum
a variabel (adjustabel=ARM) interest rate lone. Bankers luv em, but
dont spekt him tu luv yu.
Wen a banker talk bout a 5/25 lone, him meen fixed % & fixed paement
the first 5 yeers, then it chaenj tu variabel % interest & paement.
Evree lone fixed for 3-7 yeers shood hav loer % interest than a 30 yeer
lone. If it dont, fire yer banker.
Hibrid lone=fixed % interest for 5 yeers, then bekum baloon or
5/25 lone.
Jumbo lone=yu wanna borro more $ than the max set for "normal" lone.
Em yuzyually meen abuv the max for VA (Vets Affaers) lone=240,000$
as av Feb 04. Sumtimes em meen max from sum other bodee.
Sum folks yuz "jumbo" as jenral term for... yu borro a zilyun $, or NE
number ski hi. Sum yuz it as a lues term for... yu borro more $ than
the hous is werth (yu borro > 100% av hous value). If yu tri this,
yu will pae hier % interest & banker insist on BIG down paement (25%).
No konnekshun tu yu borro > 100% so yu get xtra $ from banker so yu kan
go tu Vegas & luze it all overnite. Banker spekts yu tu go bankrupt,
so him get his profit out up front, so him kan skip town. Meet yu in
Vegas.
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
*************** program 16...gromunee
Will yu hav nuff money tu retire? or fer NE big fyucher spend?
Tell puter how much yu hav now, wot yu wanna hav. Puter tell yu
$/month yu gotta save.
Output 1=eezee form=min input.
Output 2=full vershun...konsider flate rate, % retern, $ yu spend, etc
Tu run program 16, output 1 klik heer
Tu run program 16, output 2 klik heer
prog 16, gromunee, output 1 time=09:12:50 3 Jan 2004
tu pute $/month yu need tu save tu get rich
********* stuff yu input tu puter
time tu go start wanna hav retern
yeers $ $ %
25 10,000 1,000,000 8.50
********** puter sez...
now $ short bi need tu save fyucher hav now
gro tu $ $/month save + fyu save
76,867.62 923,132 888.16 266,449 276,449
Output 2 is more komplex. It komsiders more variabels. Note that
3%/yr inflate meens yer 50,000$/yr inkum now...yu need 90,306$ 20 yr
from now tu stae even. Next gess yer "lifestile" wen retired...wot
% av then inkum yu spekt tu spend (sampel yuzed 70%). Subtrakt other
inkum (SS, penshuns, part time werk, rent,...). $ yu saved up bi now
will gro over 20 yrs & help redues $ yu gotta save. But still, yu
gotta save 1743$/month. Big shok tu most. Yu will need a pot-o-doe
av bout 1.1 megabuks. Won reesun...onlee safe tu take out 4%/yr.
prog 16, gromunee, output 2 time=15:38:04 3 Jan 2004
tu pute $/month yu need tu save tu be rich
********* stuff yu input tu puter
now inkum hav now other num flate retern % spend % take out
$ $ inkum yeers % %
50,000 10,000 20,000 20 3.00 8.00 70.00 4.00
********** puter sez...
flated retire fyucher hav now $ short gotta save total
inkum spend $ need gro tu $/month save
90,305 63,213 1,080,347 46,609 1,033,737 1743.39 418,414
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
<*************** program 17...annuity >
If yu put x$ intu a fund that erns y%, how much $/month paeout
yu kan take out and money will last n yeers. Similiar tu a
paeout annuity from an insure kumpanee but yu yuz yer $ invested.
output1...giv it yer aej wen yu thank yu will want regular inkum.
It gets yer how-long-tu-liv from IRS unisez tabel (pub 590, append C).
Yu kan bi annuity from insure kumpanee, or make yers with invest $.
output2...yu want x $/month out, puter tell yu how much yu put up.
output3...tabel av $/month out for raenj av % retern & # yeers out.
Tu run program 17, output 1 klik heer
Tu run program 17, output 2 klik heer
Tu run program 17, output 3 klik heer
program 17, output 1...run at...time=18:12:52 3 Jan 2004
annuity...$/month yu kan get based on yer aej
********** stuff yu input tu puter
aej retern invest
yeers % $
63 8.50 100,000
********** puter sez...
long tu liv paement
yeers $/month
22.7 830.04
program 17, output 2...run at...time=18:29:38 3 Jan 2004
yu want x $/month outta annuity, puter tell yu how many $ yu gotta suppli
********** stuff yu input tu puter
aej retern paement
yeers % $/month
65 9.00 1000.00
********** puter sez...
long tu liv yu put up
yeers $
21.0 113,047
program 17, output 3...$/month yu kan get outta annuitee
tabel for a raenj av yeers yu take out $ & %interest yu ern
run prog on 16 Jan 2004 at 18:19
********** stuff yu input tu puter
start min max step
$ % % %
100,000 4 12 1
********** puter sez...
interest rate yer munee erns
yeers 4% 5% 6% 7% 8% 9% 10% 11% 12%
2 4342.49 4387.14 4432.06 4477.26 4522.73 4568.47 4614.49 4660.78 4707.35
3 2952.40 2997.09 3042.19 3087.71 3133.64 3179.97 3226.72 3273.87 3321.43
4 2257.91 2302.93 2348.50 2394.62 2441.29 2488.50 2536.26 2584.55 2633.38
5 1841.65 1887.12 1933.28 1980.12 2027.64 2075.84 2124.70 2174.24 2224.44
6 1564.52 1610.49 1657.29 1704.90 1753.32 1802.55 1852.58 1903.41 1955.02
7 1366.88 1413.39 1460.86 1509.27 1558.62 1608.91 1660.12 1712.24 1765.27
8 1218.93 1265.99 1314.14 1363.37 1413.67 1465.02 1517.42 1570.84 1625.28
9 1104.10 1151.73 1200.57 1250.63 1301.87 1354.29 1407.87 1462.59 1518.42
10 1012.45 1060.66 1110.21 1161.08 1213.28 1266.76 1321.51 1377.50 1434.71
11 937.67 986.45 1036.70 1088.41 1141.54 1196.08 1251.99 1309.23 1367.79
12 875.53 924.89 975.85 1028.38 1082.45 1138.03 1195.08 1253.56 1313.42
13 823.12 873.06 924.72 978.07 1033.07 1089.68 1147.85 1207.53 1268.67
14 778.35 828.87 881.24 935.40 991.32 1048.94 1108.20 1169.05 1231.43
15 739.69 790.79 843.86 898.83 955.65 1014.27 1074.61 1136.60 1200.17
16 706.00 757.68 811.44 867.21 924.93 984.52 1045.90 1109.00 1173.73
17 676.39 728.66 783.10 839.66 898.26 958.80 1021.21 1085.38 1151.22
18 650.20 703.03 758.16 815.50 874.96 936.44 999.84 1065.05 1131.95
19 626.87 680.28 736.08 794.19 854.50 916.90 981.26 1047.46 1115.39
20 605.98 659.96 716.43 775.30 836.44 899.73 965.02 1032.19 1101.09
21 587.18 641.72 698.86 758.47 820.43 884.58 950.78 1018.87 1088.70
22 570.18 625.28 683.07 743.42 806.18 871.17 938.25 1007.22 1077.94
23 554.75 610.41 668.85 729.92 793.45 859.27 927.18 997.01 1068.56
24 540.69 596.90 655.98 717.76 782.05 848.66 917.39 988.03 1060.38
25 527.84 584.59 644.30 706.78 771.82 839.20 908.70 980.11 1053.22
26 516.05 573.34 633.68 696.84 762.60 830.72 900.98 973.13 1046.95
27 505.21 563.04 623.99 687.81 754.28 823.13 894.10 966.95 1041.45
28 495.21 553.57 615.12 679.61 746.76 816.30 887.96 961.48 1036.61
29 485.97 544.86 607.00 672.13 739.95 810.16 882.48 956.63 1032.36
30 477.42 536.82 599.55 665.30 733.76 804.62 877.57 952.32 1028.61
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
<*************** program 18...Kredit kard >
Averaej houshold Kredit kard debt is 7000$ (Jan 2004).
How long tu pae it off if yu stop charjing & pae min $ evree month?
Standard rule...min pae=bigger(10$, 2% av balans).
But yer KK kumpanee mae hav diff rules.
Output 1...yu input the rules for yer Kredit Kard.
Sampel output belo takes 36 yeers tu pae off KK.
Note...sum test runs stopped at 50 yeers & never paed off.
Tu run program 18, output 1 klik heer
prog 18 (kreditkard)= Kredit kard min pae...time=13:50:42 13 Jan 2004
if yu only pae the min eech month, how long tu pae off kredit kard?
********** stuff yu input tu puter
balens interest min % min
$ % av balans $/month
7000.00 15.00 2.00 10.00
********** puter sez...
total total time tu pae off debt
pae interest months yeer month
18122.88 11122.88 430 35 10
***** 1b...opshunal output
Kredit Kard output 2...first & last yeer
prog 18 (kreditkard)= Kredit kard min pae...time=07:11:08 14 Dec 2003
if yu only pae the min eech month, how long tu pae off kredit kard?
********** stuff yu input tu puter
balens interest min % min
$ % av balans $/month
2000.00 15.00 2.00 10.00
********** puter sez...
total total time tu pae off debt
pae interest months yeer month
4789.54 2789.54 263 21 yeers 11 months
month $ pae interest prinsapel balans
1 40.00 25.00 15.00 1985.00
2 39.70 24.81 14.89 1970.11
3 39.40 24.63 14.78 1955.34
4 39.11 24.44 14.67 1940.67
5 38.81 24.26 14.56 1926.12
6 38.52 24.08 14.45 1911.67
7 38.23 23.90 14.34 1897.33
8 37.95 23.72 14.23 1883.10
9 37.66 23.54 14.12 1868.98
10 37.38 23.36 14.02 1854.96
11 37.10 23.19 13.91 1841.05
12 36.82 23.01 13.81 1827.24
460.69 287.93 172.76
month $ pae interest prinsapel balans
252 10.00 1.40 8.60 103.04
253 10.00 1.29 8.71 94.33
254 10.00 1.18 8.82 85.51
255 10.00 1.07 8.93 76.58
256 10.00 .96 9.04 67.54
257 10.00 .84 9.16 58.38
258 10.00 .73 9.27 49.11
259 10.00 .61 9.39 39.72
260 10.00 .50 9.50 30.22
261 10.00 .38 9.62 20.60
262 10.00 .26 9.74 10.85
263 10.99 .14 10.85 .00
120.99 9.34 111.65
***** output 6...Round Kristmass yu mae get "offer" from KK kumpanee.
Em will "forgiv" yer transgresshun if yu skip send em $ this month.
But wot will it kost yu? Puter noz. Sampel belo, it kost 120$.
prog 18, Kredit kard, skip 1 paement time=08:31:55 26 Jan 2004
min pae + yu skip 1 paement...how much it kost yu?
********** stuff yu input tu puter
balans interest min % min
$ % av balans $/month
2000.00 18.00 2.00 10.00
********** puter sez...
**if pae on time** ****** aft skip 1 paement *****
total time total time xtra xtra
pae months pae months $ months
6931.11 370 7051.12 374 120.01 4
TOP...klik heer | NEXT...klik heer | PRIOR...klik heer
*************** program 19...Werld 3
Thats rite folks...in most av Aesya, Afrika, & latin Amerika, most
folk & small biz gotta pae 5%/month on a lone. Onlee royaltee & big
biz kan get a "normal" lone bi west standards. A "professhunal" mite
get 3%/month. Exampel belo sho a tipikal lone fer 100,000 Peso (1779$)
Yu gotta pae 9634 pesos(171$)/month fer 15 months tu pae off lone.
Tu run program 19, output 1 klik heer
prog 19, werld3 time=08:30:26 5 Jan 2004
borro munee that kosts 3-5%/months
********* stuff yu input tu puter
borro time interest
pesos months %/month
100,000 15 5.00
********** puter sez...
yu gotta pae 9,634.23 pesos/month tu pae off lone
werld3 pae skeyuel...interest in % per month time=08:30:44 5 Jan 2004
borroed interest months paement
pesos %/month pesos/month
100,000 5.00 15 9,634.23
yeer= 1
month paement interest reduse nu
p/month pesos balans balans
1 9634.23 5000.00 4634.23 95365.77
2 9634.23 4768.29 4865.94 90499.84
3 9634.23 4524.99 5109.24 85390.60
4 9634.23 4269.53 5364.70 80025.91
5 9634.23 4001.30 5632.93 74392.98
6 9634.23 3719.65 5914.58 68478.40
7 9634.23 3423.92 6210.31 62268.09
8 9634.23 3113.40 6520.82 55747.27
9 9634.23 2787.36 6846.87 48900.40
10 9634.23 2445.02 7189.21 41711.19
11 9634.23 2085.56 7548.67 34162.52
12 9634.23 1708.13 7926.10 26236.42
115,611 41,847 73,764
yeer= 2
month paement interest reduse nu
p/month pesos balans balans
1 9634.23 1311.82 8322.41 17914.02
2 9634.23 895.70 8738.53 9175.49
3 9634.23 458.77 9175.45 .03
28,903 2666 26,236
total pae= 144,513 total interest= 44,513
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<*************** 20..other
program 20...# daes tween 2 dates.
output 1...find # daes tween 2 dates.
output 2...add daes, week, months, yeers tu a date...find nu date.
output 3...Yu hav a big, portant dae kummin, such as retire.
giv puter yer birth date & how old yu will be then.
puter tell yu how long yu gotta waet.
Tu run program 20, output 1 klik heer
output 2 klik heer
output 3 klik heer
Sampel output...
program 20, output 1...# daes tween dates
run prog on 7 Feb 2004 at 08:22
********** stuff yu input tu puter
date 1 date 2
07 Dec 1941 06 aug 1945
********** after chek & konvert dates
date 1 date 2
Sun 7 Dec 1941 Mon 6 Aug 1945
********** puter sez...
time tween 2 dates
daes weeks months yeers
1338 191 44 3.66
prog 20, output 1...get # daes tween 2 dates
time=07:31:42 23 Jan 2004
********** stuff yu input tu puter
date 1 date 2
tudae tumorro
********** aft chek & konvert dates
date 1 date 2
Fri 23 Jan 2004 Sat 24 Jan 2004
********** puter sez...
time tween 2 dates
daes yeers
1 .00
program 20, output 2...add daes tu a date
run prog on 24 Jan 2004 at 10:45
********** stuff yu input tu puter
start date num daes weeks months yeers
07 Dec 1941 5 0 3 0
********** start date in std form=Sun 7 Dec 1941
********** puter sez...
start date # daes nu date
Sun 7 Dec 1941 95 Thu 12 Mar 1942
program 20, output 3...how long til yer big dae kum
run prog on 6 Feb 2004 at 19:29
********** stuff yu input tu puter
birth date wen yu R this old
Thu 19 Mae 1960 65
********** puter sez...
tudae yer big date how long til then
daes weeks months yeers
Fri 6 Feb 2004 Mon 19 Mae 2025 7773 1110 255 21.28
***************************************
for tek geeks
pi=3.14159 26535 89793 23846 26433 83279 50288 41971 69399 37510
if yu thank yu kan gage NEthang in reel werld tu 50 digits, yu got
a nut lues.
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