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Bent Tree Software

 

Variable Rate Mortgage +

Confused about ""Teaser Rates"", maximum annual interest rate increases and maximum interest rate for the term of the loan? This program is a version of a variable rate mortgage loan. Itwill run under Win 95, 98, Me, NT4, XP & 2000. This program demonstrates the worst-case scenario of a variable rate loan. This program also allows for an analysis of the effect of different loan rates applied over the length of the loan.

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Savings/Pension Growth +

This program is a version of a program that will show you how compound interest affects your long-term savings. It will run under Win 95, 98, Me, NT4, XP, & 2000. This program will calculate a complete annuitization schedule for regular deposits with durations of up to 40 years at inputted rates of return. The amount of interest accumulated during any calendar year is also calculated for your use at tax time.

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Retirement Investment Required +

This program is a version of a program that will show you how much you need to invest monthly to reach retirement goals. It will run under Win 95, 98, Me, NT4, & XP. Have you called the Social Security Hotline (1-800-772-1213) to verify your estimated monthly SS benefit so that you can evaluate the monthly shortfall you may experience? This program calculates the amount of money required to provide a given monthly income @ retirement

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Refinance It?

This program is a version of a mortgage refinancing evaluation. It will run under Win 95, 98, Me, NT4,XP & 2000. When current mortgage interest rates are 2 or more percentage points below your existing rate, it may be advisable to refinance your existing mortgage. This analysis shows whether it is to your advantage to refinance depending on the number of years you expect to live in your present home.

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Portfolio Fundamentals +

This program is a version of a form that will assist you in tracking the fundamentals of your stock portfolio. It will run under Win 95, 98, Me, NT4, XP,& 2000. This program shows in one table the majority of fundamental information you can obtain from the Wall Street Journal, Investors Business Daily and online sources so that you can keep an accurate weekly record of a given stocks performance.

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Portfolio Evaluator +

This program is a version of a form that will assist you in tracking your investments. It runs under Win 95, 98,Me. NT4, XP, & 2000. This program tracks your investment's performance for stocks, bonds, mutual funds, etc. It allows you to evaluate the performance year-to-date or from initial purchase. It is also a handy tool to assist you in selecting a "sell" point. Stock and mutual fund information may be downloaded from the Internet.

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Personal Finances +

Program Description: This program is a compendium of 8 personal finance type programs. They include: annuity/pension payout,auto loan calculators, financial statement, growing money, retirement investment required, saving/pension growth, portfolio evaluator, portfolio fundamentals.

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Mortgages +

Program Description: This program is a compendium of 8 mortgage type programs.They include: programs include:added payment,ballooon amortization,biweekly amortization, 15vs30 year mortgage,loan amortization,maxmortgage,refinance it?,&variable rate mortgage

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Max Mortgage +

How much house can you afford? You might be pleasantly surprised. This program is a version of a loan qualifier for either a fixed rate or a variable rate mortgage. It will run under Win 95, 98, Me, NT4,XP, & 2000. This program uses the same "ratios" method used by your "friendly banker" to determine how large either a fixed rate or variable rate mortgage you can expect approval for.

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Loan Amortization +

This program is a version of a standard loan payment schedule that may be used for any type loan where simple interest is the type used. It is not limited to mortgage loans. It will run under Win 95, 98, Me, NT4,XP,& 2000. This program will calculate and print a complete amortization schedule for loans with any term from 1 to 30 years. The amount of interest paid during any calendar year is also calculated for your use at tax time.

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