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What better description than the one from our readers: You're walking through a desert in a land where half the natives are cannibals and the other half are vegetarians. Also half of each group always tells the truth and the other half always tells lies. To make matters worse each will only make one statement to strangers. You come across two natives and the first says something in his native tongue, The second looks at you and says He said he will lead you to safety, you can trust him, but don't believe him, he's a big liar. I'll take you to safety. Which native do you follow? I love problems like this. I mull them over in my head and stick with them until I get the right answer. It is for this reason that I snapped up a copy of Paradox from E-dition. The editor promises that math can be fun. I am happy to report that the book did not disappoint. The puzzles were mostly new to me, though I've seen a few before in some variation or another. What was especially exciting was the interface. The book is in an exe format and provides the reader with interactive hints, chastisements and answers. This added to the fun of solving the puzzles greatly. The Editor does warn that the interface is a little particular about how answers need to be phrased. Sadly this warning is warranted. Since many of the puzzles have alternate answers, you can be chastised after giving the correct answer, just not the computer's answer. I quickly overcame this limitation and decided I didn't need to be praised when I came with an answer that I knew was correct. In fact, I've gone through the puzzles again and again looking for ways to fool the book. If you like these type of puzzles you'll love this book. I do want to say a little about the interface of the book. Unlike most e-books that come in html or similar formats, E-dition releases its books in exe files. The look and feel of the book is like nothing I've ever experienced before. The pages are textured and the interface is seamless.
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Program Description: 15 VS 30 YEAR MORTGAGE
This program is a version that allows you to compare a 15 year
mortgage with one that has a duration of 30 years. It will run under
Win 95, 98, Me, NT4, XP, & 2000. If you itemize deductions, then you know the
IRS allows you to deduct mortgage interest. This subsidizing of a
mortgage means you can receive credit for the increased interest you
pay on a 30 year loan. The basic premise of this evaluation is that if
the buyer could afford the monthly payments for the shorter term (and
would invest the difference in monthly payments according to the
instructions), at certain rates of return on the investment it would be
more advantageous to obtain the 30 year mortgage. Printouts are
professional looking and may be used by financial planners as they
contain a "prepared by:" area. This program may also be useful to
lending institutions in advising a client on the term of a mortgage.
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This program is a version of an added payment schedule that demonstrates the effect of added payments to reduce the term of a loan and also reduce the amount of interest paid. It will run under Win 95, 98, XP, & 2000. By making additional principal payments when paying yourmonthly mortgage, you will reduce the term of the loan and gain equity in your home at a faster pace. If you decide to utilize this method of payment, be sure that the bank or other lending institution
credits the amount against the principal of the loan each month. Printouts are professional looking and may be used by financial planners as they contain a "prepared by:" area and may be useful for advising a client on this method of mortgage payment by demonstrating to them the effect this type of payment has on the term of the loan as well as the total amount of interest paid.
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This program is a version of a fixed sum annuity or pension payout schedule. It will run under Win 95, 98, Me, NT4, 2000 & XP. This program will demonstrate the length of time your annuity/pension payout will last at an inputted monthly withdrawal and includes interest earned from CD's, money market accounts, savings accounts, or other ways you might invest your lump sum payout. What if? calculations can be made using various monthly withdrawals and rates of return on your invested lump-sum payout.
Printouts are professional looking and may be used by financial planners as most programs contains a "prepared by:" area. Financial planners may also use this collection of programs to advise clients concerning annuity and pension payout alternatives such as monthly payments for their lifetime or other options.
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Program Description: AUTO LOAN CALCULATORS
Confused by all the "hype" about rebates, low interest loans, or
"Rule of 78" versus simple interest loans? This program includes most of the current types of financing available for automobile loans.
This program is a version of a group of auto loan calculators. It will run under Win 95, 98,Me, NT4,XP, & 2000. This program includes most of the current types of financing available for automobile loans. Included are: a simple interest loan calculator; a Rule of 78 loan calculator; a comparison of the two; and a program that can evaluate the "best deal" on rebates versus low-interest, short-term loans, as well as the use of a home equity loan for interest deductions to reduce your taxes.
Printouts are professional looking and may be used by vehicle purchasers to negotiate with dealers in order to obtain the best trade or purchase as well as to acquire the most advantageous loan rate and type.
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Program Description: BALLOON AMORTIZATION
This program is a version of a balloon payment schedule that demonstrates the effect of reducing initial payments and either making a large payment at the end of the balloon period or refinancing the loan. It will run under Win 95, 98, Me, NT4, XP, & 2000. Bankers are currently touting mortgages with a one to five year balloon.
What they don't tell you is that the interest is usually based on a 30 year term which, unless you know "THE NUMBERS" can result in a shock to your system.
Printouts are professional looking and may be used by financial planners as the program contains a "prepared by:" area and may be useful to them in advising a client on this method of mortgage payment by demonstrating the effect this type of mortgage has on the term of the loan as well as the total amount of interest paid.
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Program Description: BIWEEKLY AMORTIZATION
THE BANKERS' SECRET IS REVEALED!!!
This program is a version of a biweekly payment schedule that demonstrates the effect of reducing the term and interest amount of a loan. It will run under Win 95, 98, Me, NT4, XP & 2000. By making a loan payment every two weeks of half of the monthly payment, 26 payments are made each year. This program demonstrates the savings available to you if you pay your mortgage every other week instead of monthly and
are CREDITED THE PAYMENT by the lending institution at the time of payment.
Printouts are professional looking and may be used by financial planners as the program contains a "prepared by:" area and may also be useful to them in advising a client on this method of mortgage payment by demonstrating the effect this type of mortgage has on the term of the loan as well as the total amount of interest paid.
personal finance mortgage loan amortization compare loans software shareware biweekly amortization demonstrates effect reducing
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Program Description: FINANCIAL STATEMENT+
This program is arranged in a typical lending institution format.Although it may not be in the format required by any given institution it provides all the information necessary for completing an actual financial statement. This form has been accepted as-is by many financial institutions nationwideand is interactive so that data need be supplied only once to complete a statement.
Printouts are professional looking and may be used by financial planners and lawyers in assisting a client to prepare a statement of their financial condition as well as their current income and expenses.
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Program Description: GROWING MONEY
This program is a version of an analysis of the effect of savings. It will run under Win 95, 98, Me, NT4, XP, & 2000. This program demonstrates the effect of interest compounding for monthly, annual, and one-time deposits for any rate of return or deposit amount. Parents and guardians should make this information available to there young charges to impress upon them that the earlier and more they start saving money for their future, the less they will have to contribute to their retirement in later years in order to have money available for college education and to meet retirement goals.
Printouts are professional looking and may be used by financial planners, parents, guardians, and advisors to assist young people in meeting their goals.
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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.
Printouts are professional looking and may be used by financial planners as the program contains a "prepared by:" area and may also be useful to them in advising a client on this method of mortgage payment by demonstrating the effect this type of mortgage has on the term of the loan as well as the total amount of interest paid.
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