Most Popular Articles
Amortization Bond Calculator
Rick Said:Finance Management?
We Answered:There are many on the web, consder the sources below,
or do a yahoo search on "bank loan" and "mortgage bond" seperately with "amortization" and "calculator" as additional keywords
Tonya Said:What is Loan Amortization?
We Answered:In banking and finance, an amortizing loan is a loan where the principal of the loan is paid down over the life of the loan, according to some amortization schedule, typically through equal payments.
Similarly, an amortizing bond is a bond that repays part of the principal (face value) along with the coupon payments.
Each payment to the lender will consist of a portion of interest and a portion of principal. Mortgage loans are typically amortizing loans. The calculations for an amortizing loan are those of an annuity using the time value of money formulas, and can be done using an amortization calculator
An amortizing loan should be contrasted with a bullet loan, where a large portion of the loan will be paid at the final maturity date instead of being paid down gradually over the loan's life.
Peggy Said:I cant figure out if i have done the Amortization table right, can someone show me if i did it right?
We Answered:Try this calculator - free
Barry Said:Can you define amortization in mortgage?
We Answered:< Amortization is the reduction of a debt incurred, for example, in the purchase of stocks or bonds, by regular payments consisting of interest and part of the principal made over a specified time period upon the expiration of which the entire debt is repaid. A mortgage is amortized when it is repaid with periodic payments over a particular term. After a certain portion of each payment is applied to the interest on the debt, any balance reduces the principal.http://www.answers.com/amortization
Check out the site below.
(Amortization schedule calculator)
(Calculate your payment and more)
Felicia Said:Present and Future Values Question...Please help!!!?
We Answered:I,m no financial expert, but I'll give this a go. This is like a speadsheet type of problem. The arithmatic is not hard, but there is a lot of repetition of simple math problems. You have to make a grid of numbers like a spreadsheet to get the three answers.
Start by numbering the lines on your page 35-60 for Joes' age. Next make a column with Joe's salery at age 35 he just got the job at $200,000. For age 36 it is 200,000 +5% of 200,000.
I would do 200,000 x 1.05 Whatever this number is, write it in the column, and multiply it by the 1.05 to get the next , and so on.
The next colunm is yearly savings before intrest. since Joe is investing 5% of his salery, start with the 200,000 at age 35 multiply 200,000 x .05 Then multiply that number by.07 to get yearly savings with intrest. (put these numbers in a new column) continue multipplying each of Joes' yearly saleries by .05, then multiply by .07 till the coumn is filled.
Q 1. This question puzzles me, because if it is taken literally, the answer is simply $0, because Joe's job is "new". This means he has not earned any of his $200,000 yearly salery yet.
Q 2. add all the numbers in the last column to get the answer.
This is an amortization. There is a formula for this, but most people use a financial calculator such as the HP12-C or a website based amortization program. A quick websearch should turn up many options. Google the word "amortization" to find some programs online.
Plug in the following values:
present value= The answer to Q 2
future value = $0
# of payments=20
The unknown variable(unknown in that it is the one you are looking for) is the amount of payment.
I hope this helps you instead of confusing you further. Typicaly a teacher does not give such dificult problems without preparing the students properly. If the teacher just dropped this in your lap without covering simple intrest calculations, and amortization, then SHAME, SHAME SHAME on them.
Roland Said:What is the difference between sinking funds and Amortization?
We Answered:In modern finance, a sinking fund is a method by which an organization sets aside money over time to retire its indebtedness. More specifically, it is a fund into which money can be deposited, so that over time its preferred stock, debentures or stocks can be retired. For the organisation retiring debt, it has the benefit that the principal of the debt or at least part of it, will be available when due. For the creditors, the fund reduces the risk the organization will default when the principal is due.
In some US states, Michigan for example, school districts may ask the voters to approve a taxation for the purpose of establishing a Sinking Fund. The State Treasury Department has strict guidelines for expenduture of fund dollars with the penalty for misuse being an eternal ban on ever seeking the tax levy again. See also sinking fund provision in bonds.
Retrieved from "http://en.wikipedia.org/wiki/Sinking_fu…
Amortization is the distribution of a single lump-sum 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) 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.
The amortization calculator formula is: (1-vn)/r, where n = number of years, v = 1/(1+r), and r = interest rate / 100.
Divide by (1+r) if a payment is due at the beginning.
Another method of writing this kind of formula is:
where: P = principal amount borrowed i = periodic interest rate m = number of periods each year (vs."t"= number of periods over the life of the loan, or t=n*m) A = periodic payment.
Negative amortization (also called deferred interest) occurs if the payments made do not cover the interest due. The remaining interest owed is added to the outstanding loan balance, making it larger than the original loan amount.
Can the face value of the Bond be reduced due to Amortization or Sinking Funds
The study of history and geography is very necessary for the overall development of the students. The abilities to forecast future is linked with the knowledge of past. The geography is needed to provide insight to materials hidden in the earth.
essay writing service said:
A person's blogs and forums currently have routinely ended up this method of obtaining comfort in regards to this crafting demands. Not long became assist to essay writing service but it appeared to be magnificent! Prefer to appeared to be coursing as well as syntax fantastic. Sometimes a timing appeared to be highly accurate!
Nice Essays said:
A new band on the show and display is here for the acceptance and analysis. It is done and deducd for the betterment and efficiency. The students and all other humans are getting benefits and advantages.
Writes My Essay said:
Bonds and all currency matters are very important and necessary. The need of the times are incorporated for the entire society and their financial aims. It is linked and connected with the writes my essay. The sufficient ground is enjoyed and built.
shazia doll said:
Everything about a personal decades down the line. I came across this in the course of treatment I obtained to help with the after-effects of psychological sickness. What happened to me was crazy, I'd seen and done so much in a brief period of your time. There's no way I'd come through it unscathed. I served in Iraq and Afghanistan, I married twice, had three children and tried to be in too many locations at once. Too many spinning dishes which inevitably came crashing down. Now everyone looks<a href="http://masspmmusclegrowth.com/inteligen-advanced-brain-formula/">Inteligen Advanced Brain Formula</a> at me cautiously, thinking I'm about to go off the rails again. Then again, the globe's still pretty hectic. You see, my second spouse lifestyles 200 miles away and try as we might, we can't proceed. We're at.. <a href="http://masspmmusclegrowth.com/inteligen-advanced-brain-formula/">http://masspmmusclegrowth.com/inteligen-advanced-brain-formula/</a>
shazia doll said:
Withdrawals that may take various paths from becoming a recluse to being anti-social and even wanting to get rid of others. The risk in not giving in to one's needs in the spiritual sensation is to risk their future and also possibly using them as an undesirable or even a homeless personal that struggles to meet any kind of obligation. If one has a non secular weblink to the Designer then the path is determined from the outset to get over all these difficulties but if the spirit is not connected in this way then there may be trouble ahead. My reincarnation <a href="http://masspmmusclegrowth.com/inteligen-advanced-brain-formula/">Inteligen Advanced Brain Formula</a> and weblink to the Spirit gave me insight into how others impact my being. Because it doesn't seem possible for me to lie it is equally difficult for me to participate in factors like Christmas and Easter time, so I have to take out from family associates gatherings presently. <a href="http://masspmmusclegrowth.com/inteligen-advanced-brain-formula/">http://masspmmusclegrowth.com/inteligen-advanced-brain-formula/</a>
pro muscle fit said:
Tissue in your whole human body. Only when you relax muscle does it begin to regenerate. Also, an excellent system guarantees that you force each muscle to its pro muscle fit http://powerpumpxladvice.com/pro-muscle-fit/
suisse anti aging serum said:
suisse anti aging serum one of my major troublesome Aires is this some bit of my cheek it's not this kick genuine this chic it truly find it always been this cheek here I've young woman a buck just spots and these are like pimples peace ask what I had three years and years and years and they truly used to be a long blast I furthermore have http://renovocremefacts.com/suisse-anti-aging-serum/
testoboost pro said:
were in masochism you had the club that you would got if you were in two young fellows you had the club that you would go toothier work lives there interracial there are clubs that were four people who http://powerpumpxladvice.com/testoboost-pro/
Bio Fuel No2 said:
That keeps getting rid of the calories they take in. Soon they realize that ingesting isn't the answer, so they go to the news stand and discover a body developing magazine sporting a muscle-bound weightlifter Bio Fuel No2 on the cover. Rushing house they discover a workout program that promises leads to bulk you up. The catch, however, is that these exercises are for those who are already of an average body weight or greater, and aren't efficient for. http://powerpumpxladvice.com/bio-fuel-no2/
Step 1 Building muscular is an intense execute out. Training with light loads and taking it easy on yourself will not yield the outcomes you crave. Look at the different testadrox http://powerpumpxladvice.com/testadrox/
testo rpm said:
A house son’s it's affected for us to catlike we couldn't care less for different people and longing than any of you desire desirable acknowledged and she's the one that you can pick that toward the end it with them done I construe that is the thing that I can sing it’s not something that is not what we're testo rpm http://powerpumpxladvice.com/testo-rpm/
Tolly Lolly said:
one factor that always catches our eyes are the top held advertises of body developing supplementary products. Their names, packaging, advertising concepts ATP Extreme easily convince the viewers to try them but all this are nothing but marketing gadgets. They can never develop your . http://powerpumpxladvice.com/atp-extreme/
Couple this ball coming in the nineteen fifties they suddenly put all than Newton the standard female uh... fabricated estrogens megadrox into food supply you put it in baby sustenance culture and wager with the primary to admit josh examination forty years afterward that they were using a wash to http://powerpumpxladvice.com/megadrox/
elite gain 350 said:
Nourishment and employ that advantage you specifically what your human is going to be in achieving your objectives who is more than just no specific formula it's very those 5 me experience much better the genuine outcomes you're looking for and set up . http://powerpumpxladvice.com/elite-gain-350/
that has already been taken by someone who suffered from their issue and overcame it. Usually they just reach for the next product and pray it will keep perform. Unfortunately, this almost never happens. nitrocut http://powerpumpxladvice.com/nitrocut/
xtreme no2 said:
Powerful muscle tissue is what you dream of? Athletic body system symbolizes manliness and most men execute towards it. Getting the right fitness devices xtreme no2 is essential to stay healthy and females systems, however the approach for lady muscle builders needs to be different due to the variation of their structure and metabolic rate. The women are unable to develop the size of a men individual body without substance assistance. The exercises and organic diet technique of men muscle builders produce dissimilar leads to lady muscle builders. Woman Bodybuilders still perform the metal, they have high-.. http://powerpumpxladvice.com/xtreme-no2/
Promys 1936 said:
with only 1-2 relax between places for 1.5 half time is incredibly challenging. I can provide you with an example. You can try to do Squats for 6-7 places for 12 repetitions with more 2 moments relax b Max Nitric Oxide etween places. You have to get the appropriate bodyweight for doing the exercise, which is lighter than I am sure you. http://powerpumpxladvice.com/max-nitric-oxide/
gogo msala said:
and a whole other fill of variables that go into a excellent program... But you shouldn't have to analyze this method to death and try to create it ideal. Why? Because there is no ideal put in existence. In truth, every program/workout/routine (whatever you'd liked to call it) carry out for some time; but eventually you'll stall out and either hit a wall or regress. Not good! There are many typical errors that I see all too often and most of that interval period they just need a simple fix to help get outcomes. . http://absworkout-men.com/