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The Banker's Secret
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DescriptionAn extraordinary and amazingly simple book that teaches you how to save at least tens of thousands of dollars when you prepay your mortgage, The Banker's Secret offers about forty pages of simple-to-follow text and loads of helpful charts. |
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Amortization; ... $16.34 This is a pre-1923 historical reproduction that was curated for quality. Quality assurance was conducted on each of these books in an attempt to remove books with imperfections introduced by the digitization process. Though we have made best efforts - the books may have occasional errors that do not impede the reading experience. We believe this work is culturally important and have elected to bring the book back into print as part of our continuing commitment to the preservation of printed works worldwide. |
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External Debt Statistics $28 This annual report provides detailed information on the amount and composition of the external debt of each of 168 countries and territories at the end of 2001, with corresponding revised figures for 2000. In addition, estimates are provided of the amortization payments due by each country on long-term debt in 2002. |
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The Debt $4.99 The Debt |
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In Debt To $9.99 In Debt To |
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Amortization (Business) $60.54 High Quality Content by WIKIPEDIA articles In business, amortization is the distribution of what would otherwise be a single lumpsum cash flow into many smaller cash flow installments, as determined by an amortization schedule. Unlike other repayment models, each repayment installment consists of both principal and interest. Amortization is chiefly used in loan repayments (a common example being a mortgage loan) and in sinking funds. Payments are divided into equal amounts for the duration of the loan, making it the simplest repayment model. A greater amount of the payment is applied to interest at the beginning of the amortization schedule, while more money is applied to principal at the end. Author: Miller, Frederic P./ Vandome, Agnes F./ McBrewster, John Binding Type: Paperback Number of Pages: 72 Publication Date: 2010/12/12 Language: English Dimensions: 6.00 x 9.02 x 0.17 inches |
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Debt Debt $12.49 Debt Debt |
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Debt $32 Before there was money, there was debt Every economics textbook says the same thing: Money was invented to replace onerous and complicated barter systems—to relieve ancient people from having to haul their goods to market. The problem with this version of history? There’s not a shred of evidence to support it. Here anthropologist David Graeber presents a stunning reversal of conventional wisdom. He shows that for more than 5,000 years, since the beginnings of the first agrarian empires, humans have used elaborate credit systems to buy and sell goods—that is, long before the invention of coins or cash. It is in this era, Graeber argues, that we also first encounter a society divided into debtors and creditors. Graeber shows that arguments about debt and debt forgiveness have been at the center of political debates from Italy to China, as well as sparking innumerable insurrections. He also brilliantly demonstrates that the language of the ancient works of law and religion (words like “guilt,” “sin,” and “redemption”) derive in large part from ancient debates about debt, and shape even our most basic ideas of right and wrong. We are still fighting these battles today without knowing it. Debt: The First 5,000 Years is a fascinating chronicle of this little known history—as well as how it has defined human history, and what it means for the credit crisis of the present day and the future of our economy. From the Hardcover edition. |
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Monthly Interest Amortization Tables $8.29 No Synopsis Available |
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Life and Debt $13.99 Life and Debt |
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The Debt OST $11.49 The Debt OST |
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Financial Risk Analysis of Infrastructure Debt $107.95 The water and power industries, including the most capital-intensive producers of goods and services in our economy, are exposed to financial risks of staggering proportions. With projects that are routinely large and require long-term planning, and with demand and supply often highly volatile, costs regularly defy prediction. Still, there has been little explicit analysis of financial risk in the water and power industries. In this work, C. Vaughan Jones provides a comprehensive discussion of financial risk and risk analysis for these utilities. Writing in clear, straightforward language, he explores the application of risk analysis to construction projects, rate-setting and price effects, and customer characteristics. In developing a method for evaluating risk, Jones brings together material from business, engineering, economics, demography, probability theory, computer simulation, and policy studies. The materials are organized around risk factors affecting costs and revenues, and support a practical analysis with spreadsheet and simulation examples. Separate chapters present findings relating to the variability of construction costs, customer demand, and population growth. Together with qualitative information about risks, these chapters offer suggestions about quantitative representation of relevant patterns of variability of key risk sources. The techniques are integrated in simulation models dealing with contract risk, the evaluation of sinking funds and amortization schedules, and long-run capacity planning. The concluding chapters summarize major findings, consider issues of reliability and validation, and discuss the way in which this analysis can be applied to a variety of infrastructure investments. Finance and investment professionals and students in business and finance studies will find this work to be a useful reference tool. For public and academic libraries, it will represent a valuable addition to their collections. |
10 Aspects of Good Real Estate Investment Software by James R Kobzeff
Real estate investment software is one of the best tools real estate investors and professionals can use to analyze and evaluate rental income property.
Good real estate investment software provides the forms, makes the computations, and creates the reports. With a good real estate software solution any user (novice or advanced) can create professional-quality rental income property reports for personal decision-making or as presentations to buyers, sellers, colleagues, partners, or to lenders within minutes.
There are, of course, options other than investing in third-party real estate investment software.
You can, for instance, simply scratch out the numbers with a pad and pencil or perhaps make a hasty rule-of-thumb calculation off the top of your head. But these approaches do not provide a deep enough property analysis required for such an important investment decision, nor do they represent the data adequately enough to sway the opinion of any other person or institution.
You can also develop your own spreadsheet using Excel, but it takes loads and loads of time to embed the computations properly and to format the forms and reports and simply is not worth the effort.
But I digress. So let's get back on topic and look at 10 aspects of good real estate investment software.
1. Easy to learn and use - You want simply to enter the values and have the software do the rest. You never want to look and wonder, "What do I do next?"
2. Unlimited units - You want the ability to analyze one unit or a thousand units, or even more units if necessary.
3. Loan amortization - You want lots of control over the financing assumptions for the property. Therefore you want the ability to enter multiple loans (e.g., a first, second, and third loan), the flexibility to enter the loan either as a loan assumption or as a new loan, and either at a fixed-rate or interest-only rate.
4. Crucial rates of return - You want the real estate investment software to calculate returns for cash flow such as cap rate, gross rent multiplier, cash on cash, operating expense ratio; and loan analysis ratios like debt coverage, loan-to-value, break-even, profitability index.
5. Concise, top-quality reports - You want a wide-range of printable reports to include comprehensive data with eye-catching appeal. At the very least, you want an APOD, proforma income statement, rent roll, acquisition report, and sales proceeds report. If you're pragmatic, you can also find software with sensitivity and scenario reports, a comparable sales report, a marketing package (executive summary), amortization tables, and charts.
6. Upgradeable versions - In the event that you purchase their less-than-platinum-grade-version without "time value of money" and "tax shelter" consideration, you want the ability to upgrade to it later if you choose. This is very important because you will discover over time that computations for both time value of money and taxes are extremely important to serious real estate investors.
7. Technical support - You want to have easy access to tech support in the event of a problem, e.g., your computer crashes and you need to re-download the real estate investment software. Email and telephone support (preferably with the developer) is recommended. Exercise caution if the company or developer appears overly allusive or lacking in experience.
8. Affordability - The good news is that there is very good real estate investment software available on the web for under $300. Just be sure to examine the website carefully. Remember, the same company praising their software publishes the website, so unless it's well organized and informative the software might not be worth the price regardless how affordable.
9. Customer satisfaction - Customers freely willing to write and submit a testimonial about the software should not be taken for granted or lightly regarded. Look for names, professions, and titles. If you can relate, then you're on the right track.
10. Lots of special features - You should expect good real estate investment software to provide at least these benefits: Seamless printing, picture function, branding and name-rider integration, email capability, help file, and Vista compatibility. In some cases, there could be even more features that are special, so spend time on each website looking around to be sure you don't miss something.
About the Author
James R Kobzeff is the developer of ProAPOD - superior real estate investment software solutions since 2000. Discover how you can create rental property cash flow and profitability analysis presentations in minutes! Go to => www.proapod.com
Bond Amortization Schedule in Excel