--------------------------------------------------------------------------- Disk No 613 Managing Money with IBM PC v1.0 v1 DS2 --------------------------------------------------------------------------- Written by A. Glazer, an economics professor at the University of California, this disk contains all the BASIC programs contained in his book Managing Money With Your IBM PC (Prentice-Hall, 1985). Among other things, the programs can determine the after-tax cost of a loan, demonstrate the advantages of an Individual Retirement Account, compare loans which have different interest rates and different origination fees, and calculate the amount of monthly savings necessary to finance a college education. Each short program is independent and menu driven for ease of use. ------------- Managing Money with IBM PC (v1.0) AMORTIZE BAS Amortization schedule for a mortgage and monthly loan payment BALREM BAS Balance remaining on a mortgage CHARGEHI BAS Monthly status of a revolving charge account CREDITCA BAS The gains from using a credit card instead of paying in cash CREDITPU BAS Minimum payment schedule for a credit purchase DAILYODO BAS Date that is a specified number of days away from starting date DATEDIST BAS Number of years, months, and days between two dates DATESINM BAS Dates in a month on which a specified day of the week falls DAYOFWEE BAS Day of week on which a specified date falls DEPGROWS BAS Balance in a savings program with deposits that grow with time INTRATE BAS Interest rate on a loan INVHISTO BAS Annual description of an investment: value, rate of return, capital gains, and income INVINCOM BAS Annual or monthly income that yields a specified rate of return INVPRICE BAS Sales price of an asset that yields a specified rate of return INVVALUE BAS Present value of an investment INVYIELD BAS Annual rate of return on an investment IRA BAS The benefits of saving in an Individual Retirement Account LOANCOST BAS After tax cost of a loan LOANQUAL BAS Size of loan available at interest rate & monthly payment LOANTERM BAS How many payments you must make on a loan MNTHINCM BAS Monthly income you can obtain from a specified amount of money MONTHLYO BAS Date that is a specified number of months away from starting date NUMDAYS BAS Number of days between two dates PAYBACK BAS How long it takes to recover an investment PERBALAN BAS Balance in savings account after any number of deposits PERDEPOS BAS How much to deposit each month or year to reach a savings goal PERRATE BAS The interest rate you must earn on your savings to reach a specified savings goal PERTERM BAS How many monthly or annual deposits to make to reach a goal POINTS BAS Effective interest rate on a loan that charges points or origination fees. Useful when deciding whether to refinance README General information and file information RULEOF78 BAS Amortization schedule for consumer and automobile loans SAVHISTO BAS Annual balance in a savings program with deposits that grow each year SIMPINV BAS Analysis of an investment that produces no annual income TERMDEPO BAS Balance in a savings plan any number of years after an initial deposit PC-SIG (Software Interest Group) 1030 E. Duane Ave. Suite D Sunnyvale Ca. 94086 Ph# (408) 730-9291