This presentation from ForeclosureDataBank.com provides insights about amortizing mortgage. Learn about mortgage term, amortization schedule, pre-payments and extra payments etc.
This document provides instructions for creating a loan amortization schedule in Excel. It explains how to use the PMT, PPMT, and IPMT functions to calculate the monthly payment amount, principal portion of each payment, and interest portion of each payment. It also describes how to calculate the beginning and ending balances over the life of the loan and automatically populate the schedule by dragging formulas down the column. The schedule can then be dynamically updated by changing the loan details like amount, interest rate, term or payment frequency.
This document defines and explains various accounting concepts related to asset valuation over time. It defines depreciation as a non-cash expense that reduces the value of an asset over its useful life. It then describes different depreciation calculation methods like straight-line, sum-of-years digits, and declining balance. The document also discusses amortization, write-offs, and sinking funds which are methods used to allocate capital costs over a period of time. Examples are provided to illustrate how to calculate depreciation and amortization using different formulas and rates.
The document provides information about Kahama Oil Mills Limited (KOML), including its organizational structure, activities performed by different departments, technology usage, mission, vision, fleet details, and transport policies. It discusses KOML's fleet availability, utilization, vehicle depreciation and replacement policies. It also analyzes log sheet details like fuel utilization, scheduled vs dead kilometers, and revenue kilometers. The document contains details about KOML's operations and management of its transport department.
Understanding the time value of money (annuity)DIANN MOORMAN
Here are the key points:
- Future value, present value, annuities, amortized loans are important time value of money concepts
- Formulas allow you to calculate unknown values (e.g. future value) given known amounts, interest rates, time periods
- Make sure time frames are consistent when annual vs monthly payments/interest are used
- Financial calculators make the calculations easy but understanding the concepts is important
This is a free webinar hosted by the Personal Finance concentration area of the Military Families Learning Network on February 21, 2017.
The time value of money (e.g., present and future value of a lump sum or an annuity) is one of the most fundamental building blocks of financial goal-setting and decision-making. This 90-minute webinar will discuss basic time value of money concepts and the application of time value of money concepts to real-life financial planning decisions. The webinar will also model “hands-on” calculations that participants can use with others (e.g., clients and students) and describe online resources (e.g., videos, calculators, and curricula) that teach time value of money concepts. Participants should bring a financial calculator to complete a series of financial decision-making problems that will be presented during the webinar.
Participants will need to do manual calculations during this webinar. Please join the webinar with a calculator or have access to an online calculator. Additional webinar resources available at https://learn.extension.org/events/2878.
FINANCIAL MANAGEMENT PPT BY FINMAN Time value of money officialMary Rose Habagat
The document discusses time value of money concepts and calculations. It explains that time value of money allows comparison of cash flows that occur at different points in time. It then covers key time value of money concepts like future value, present value, compound interest, annuities, and perpetuities. Examples are provided to demonstrate calculations for future value, present value, ordinary annuities, annuities due, and mixed cash flow streams using tables and Excel functions. The document aims to develop an understanding of time value of money principles and computations that are important for accounting, finance, management, and personal financial planning.
This is the third presentation for the University of New England Graduate School of Business unit GSB711 - Managerial Finance. It explores the time value of money, using examples to help students clarify this concept.
This document provides instructions for creating a loan amortization schedule in Excel. It explains how to use the PMT, PPMT, and IPMT functions to calculate the monthly payment amount, principal portion of each payment, and interest portion of each payment. It also describes how to calculate the beginning and ending balances over the life of the loan and automatically populate the schedule by dragging formulas down the column. The schedule can then be dynamically updated by changing the loan details like amount, interest rate, term or payment frequency.
This document defines and explains various accounting concepts related to asset valuation over time. It defines depreciation as a non-cash expense that reduces the value of an asset over its useful life. It then describes different depreciation calculation methods like straight-line, sum-of-years digits, and declining balance. The document also discusses amortization, write-offs, and sinking funds which are methods used to allocate capital costs over a period of time. Examples are provided to illustrate how to calculate depreciation and amortization using different formulas and rates.
The document provides information about Kahama Oil Mills Limited (KOML), including its organizational structure, activities performed by different departments, technology usage, mission, vision, fleet details, and transport policies. It discusses KOML's fleet availability, utilization, vehicle depreciation and replacement policies. It also analyzes log sheet details like fuel utilization, scheduled vs dead kilometers, and revenue kilometers. The document contains details about KOML's operations and management of its transport department.
Understanding the time value of money (annuity)DIANN MOORMAN
Here are the key points:
- Future value, present value, annuities, amortized loans are important time value of money concepts
- Formulas allow you to calculate unknown values (e.g. future value) given known amounts, interest rates, time periods
- Make sure time frames are consistent when annual vs monthly payments/interest are used
- Financial calculators make the calculations easy but understanding the concepts is important
This is a free webinar hosted by the Personal Finance concentration area of the Military Families Learning Network on February 21, 2017.
The time value of money (e.g., present and future value of a lump sum or an annuity) is one of the most fundamental building blocks of financial goal-setting and decision-making. This 90-minute webinar will discuss basic time value of money concepts and the application of time value of money concepts to real-life financial planning decisions. The webinar will also model “hands-on” calculations that participants can use with others (e.g., clients and students) and describe online resources (e.g., videos, calculators, and curricula) that teach time value of money concepts. Participants should bring a financial calculator to complete a series of financial decision-making problems that will be presented during the webinar.
Participants will need to do manual calculations during this webinar. Please join the webinar with a calculator or have access to an online calculator. Additional webinar resources available at https://learn.extension.org/events/2878.
FINANCIAL MANAGEMENT PPT BY FINMAN Time value of money officialMary Rose Habagat
The document discusses time value of money concepts and calculations. It explains that time value of money allows comparison of cash flows that occur at different points in time. It then covers key time value of money concepts like future value, present value, compound interest, annuities, and perpetuities. Examples are provided to demonstrate calculations for future value, present value, ordinary annuities, annuities due, and mixed cash flow streams using tables and Excel functions. The document aims to develop an understanding of time value of money principles and computations that are important for accounting, finance, management, and personal financial planning.
This is the third presentation for the University of New England Graduate School of Business unit GSB711 - Managerial Finance. It explores the time value of money, using examples to help students clarify this concept.
Bab 6 - Accounting and the Time Value of Moneymsahuleka
This document discusses accounting topics related to the time value of money, including compound interest, future and present value calculations, annuities, and bond valuation. It provides learning objectives and examples to distinguish between simple and compound interest, use interest tables, solve single-sum and annuity problems, and apply time value of money concepts to accounting measurements.
This document summarizes Muhammad Shoaib's first presentation at Iqra University on self-management skills. The presentation covered topics like career planning, self-esteem, positive thinking, stress management, time management, communication skills, team building, conflict management, negotiation, setting goals, and stress management. Shoaib learned from each chapter and how to apply the skills to his daily life and future objectives. The conclusion expresses gratitude for the opportunity to present and learn.
This document outlines the login and main menu options for an operator of a loan management system, including adding new customers, applying for loans, viewing loan details, approving loans, updating loan information, viewing daily collections, and seeing complaints.
This document describes the features and functionality of an LMS loan management software for microfinance institutions. It includes modules for security/authentication, administration, customers, and finance. The customer module allows for customer registration and includes subforms for personal details, guarantors, bank details, existing loans, employment, references, and documents. The finance module handles loan applications, investigation, approval, receipts, reports, payments, charges, and edits.
This document describes a self-management intervention to increase daily flossing. The student was not flossing regularly and wanted to improve their gum health. A contingency plan was created where the student would lose the use of their iPod for a day if they did not floss each night. Graphs show that flossing increased under this intervention compared to baseline levels. Some problems occurred after the student moved, like misplacing their floss. The intervention was adapted by adding a contingency to purchase new floss daily if needed. Overall, the intervention successfully increased the student's daily flossing behavior.
The document outlines the key principles that banks follow when developing their credit policies. It discusses the importance of safety, liquidity, profitability, and risk diversification. It also describes the components that are typically included in a bank's credit policy such as lending guidelines, targeted portfolio mixes, risk ratings, loan pricing, and collateral requirements. The credit policy is developed by the bank's Credit Policy Committee and must comply with regulatory requirements set by the Reserve Bank of India.
Frankfinn Personality Development Assignmentprincessminu
Minu Pauline completed an assignment on self-development by visiting a juvenile home. Through the assignment, she analyzed her personality and learned about factors that contribute to personality development like attitude, perception, and empathy. She identified strengths like improved communication skills and weaknesses like being less observant. Minu concluded the most important factors for personality development are having a positive attitude, effective time management skills, and being able to express oneself confidently.
This document discusses self-awareness and empowering oneself. It encourages taking inspiration from people who overcame obstacles like Beethoven's deafness and Helen Keller's disabilities. It advises knowing the difference between innate traits and acquired ones. Key points are being aware of oneself, one's personality and individuality. It suggests being aware of and moving past negative Filipino tendencies toward a more positive outlook. It provides self-help concepts like believing in oneself, prioritizing goals, and thinking positively.
This document summarizes a student's self-development project where they visited an old age home. The student observed various individuals at the home and analyzed different personality factors. They conducted a SWOT analysis of their own personality and identified strengths like being confident and weaknesses like being considerate. They also observed traits in others like empathy, rational thinking, emotional intelligence, and motivation that they hoped to develop in themselves. The student described one resident, Mr. Kesavan, in detail and analyzed personality factors he needed to improve like perception, attitude, learning, and motivation.
Anilesh Ahuja Pioneering a Paradigm Shift in Real Estate Success.pptxneilahuja668
Anilesh Ahuja journey is a testament to the power of vision, resilience, and unwavering determination. As a visionary leader, he continues to inspire and empower others to dream big and challenge the status quo. His legacy extends far beyond the realm of real estate, leaving an indelible mark on the industry and the world at large.
36,778 sq. ft. building; Zoning: SE (Suburban Employment): The (SE) District allows numerous commercial site uses; Passenger elevator; Private and common restrooms; Fully sprinkled; Data center with a grounded floor and a specialized HVAC system; 60 KVA back-up generator; Building/pylon signage; Potential to purchase adjacent parcels; Sale Price: $4,413,360
Andhra Pradesh, known for its strategic location on the southeastern coast of India, has emerged as a key player in India’s industrial landscape. Over the decades, the state has witnessed significant growth across various sectors,
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
Listing Turkey - Piyalepasa Istanbul CatalogListing Turkey
We are working around the clock to transform a long-time dream into reality. As a result, Piyalepasa Istanbul will be the largest privately developed urban regeneration project in Turkey.
THE NEIGHBORHOOD WE HAVE BEEN LONGING FOR IS COMING TO LIFE
The good old days of the Piyalepasa neighborhood are being brought back to life with Piyalepasa Istanbul houses, residences, offices, hotels and a pedestrianized shopping avenue.
The wide streets of this 82.000 square meter development conveniently face the main boulevard in a prime Beyoglu location. “Piyalepaşa İstanbul” stands out as the only project designed to offer a neighborhood lifestyle, complete with its grocers, bagel sellers and greengrocer. Piyalepasa Istanbul has all the values to make it an authentic neighborhood, our very own community.
A NEIGHBORHOOD FULL OF LIFE, IN THE HEART OF THE CITY!
“Piyalepaşa İstanbul” is a “mixed-use” concept containing all the elements for a vibrant social life with houses, residences, offices, hotels and high street shopping.
“Piyalepaşa İstanbul” will take the liveliness of Istanbul into its heart. The elegant sparkle of Nisantasi, the young and colorful Besiktas, the variety and multicultural heritage of Istiklal Street will all be contained within the streets of this neighborhood.
“Piyalepaşa İstanbul” bears traces of the most beautiful examples of Turkish architecture from the Seljuks to the Ottomans and from Anatolia to Rumelia. With its graded facades, wide eaves, bay windows, pools, and interior courtyard systems, it offers a new living space without disrupting the city’s silhouette and neighborhood.
“Piyalepaşa İstanbul” is the new attraction of this splendid city.
TO BE AT THE CENTER OF ISTANBUL… THIS IS REAL LUXURY!
With its proximity to D-100 highway, connecting roads and tunnels, “Piyalepaşa İstanbul” is only minutes away from Kabatas, Besiktas, the Golden Horn and Karakoy.
“Piyalepaşa İstanbul” is close to the prestigious new Istanbul Court House, a major hospital, the Perpa trade center and the city’s most lively neighborhoods. With its shuttle service to Okmeydani Metrobus station, Sishane and the Court House subway stations, “Piyalepaşa İstanbul” will provide you with the most convenient transport connections.
https://listingturkey.com/property/piyalepasa-istanbul/
Stark Builders: Where Quality Meets Craftsmanship!shuilykhatunnil
At Stark Builders our vision is to redefine the renovation experience by combining both stunning design and high quality construction skills. We believe that by delivering both these key aspects together we are able to achieve incredible results for our clients and ensure every project reflects their vision and enhances their lifestyle.
Although we are not all related by blood we have created a team of highly professional and hardworking individuals who share the common goal of delivering beautiful and functional renovated spaces. Our tight nit team are able to work together in a way where we pour our passion into each and every project as we have a love for what we do. Building is our life.
Signature Global TITANIUM SPR | 3.5 & 4.5BHK High rise Apartments in Gurgaonglobalsignature2022
Signature Global TITANIUM SPR launched a high rise apartments in Gurgaon . In this project Signature Global offers 3.5 & 4.5 BHK high rise Apartment at sector 71 Gurgaon SPR Road. Signature Global Titanium SPR is IGBC Gold certified, a testament to our commitment to sustainability.
Why is Revit MEP Outsourcing considered an as good option for construction pr...MarsBIM1
Outsourcing MEP modeling services require effective collaboration and coordination amongst multiple engineering trades. The engineers and the designers often change the details of the MEP projects, but the work of Revit MEP drafting services is having the master plan and model of the complete project. To have proper coordination and installation, there is a need to execute the project effectively. Hence, the work of Revit family creation facilitates the MEP engineers.
Living in an UBER World - June '24 Sales MeetingTom Blefko
June 2024 Lancaster County Sales Meeting for Berkshire Hathaway HomeServices Homesale Realty covering the following topics: 1. VA Suspends Buyer Agent Payment Plan (article), 2. Frequently Used Terms in title, 3. Zillow Showcase Overview, 4. QuickBuy commission promotion, 5. Documenting Cooperative Compensation, 6. NAR's Code of Ethics - Mass Media Solicitations, 7. Is it really cheaper to rent? 8. Do's and Don't's when Terminating the Agreement of Sale, 9. Living in an UBER World
Bab 6 - Accounting and the Time Value of Moneymsahuleka
This document discusses accounting topics related to the time value of money, including compound interest, future and present value calculations, annuities, and bond valuation. It provides learning objectives and examples to distinguish between simple and compound interest, use interest tables, solve single-sum and annuity problems, and apply time value of money concepts to accounting measurements.
This document summarizes Muhammad Shoaib's first presentation at Iqra University on self-management skills. The presentation covered topics like career planning, self-esteem, positive thinking, stress management, time management, communication skills, team building, conflict management, negotiation, setting goals, and stress management. Shoaib learned from each chapter and how to apply the skills to his daily life and future objectives. The conclusion expresses gratitude for the opportunity to present and learn.
This document outlines the login and main menu options for an operator of a loan management system, including adding new customers, applying for loans, viewing loan details, approving loans, updating loan information, viewing daily collections, and seeing complaints.
This document describes the features and functionality of an LMS loan management software for microfinance institutions. It includes modules for security/authentication, administration, customers, and finance. The customer module allows for customer registration and includes subforms for personal details, guarantors, bank details, existing loans, employment, references, and documents. The finance module handles loan applications, investigation, approval, receipts, reports, payments, charges, and edits.
This document describes a self-management intervention to increase daily flossing. The student was not flossing regularly and wanted to improve their gum health. A contingency plan was created where the student would lose the use of their iPod for a day if they did not floss each night. Graphs show that flossing increased under this intervention compared to baseline levels. Some problems occurred after the student moved, like misplacing their floss. The intervention was adapted by adding a contingency to purchase new floss daily if needed. Overall, the intervention successfully increased the student's daily flossing behavior.
The document outlines the key principles that banks follow when developing their credit policies. It discusses the importance of safety, liquidity, profitability, and risk diversification. It also describes the components that are typically included in a bank's credit policy such as lending guidelines, targeted portfolio mixes, risk ratings, loan pricing, and collateral requirements. The credit policy is developed by the bank's Credit Policy Committee and must comply with regulatory requirements set by the Reserve Bank of India.
Frankfinn Personality Development Assignmentprincessminu
Minu Pauline completed an assignment on self-development by visiting a juvenile home. Through the assignment, she analyzed her personality and learned about factors that contribute to personality development like attitude, perception, and empathy. She identified strengths like improved communication skills and weaknesses like being less observant. Minu concluded the most important factors for personality development are having a positive attitude, effective time management skills, and being able to express oneself confidently.
This document discusses self-awareness and empowering oneself. It encourages taking inspiration from people who overcame obstacles like Beethoven's deafness and Helen Keller's disabilities. It advises knowing the difference between innate traits and acquired ones. Key points are being aware of oneself, one's personality and individuality. It suggests being aware of and moving past negative Filipino tendencies toward a more positive outlook. It provides self-help concepts like believing in oneself, prioritizing goals, and thinking positively.
This document summarizes a student's self-development project where they visited an old age home. The student observed various individuals at the home and analyzed different personality factors. They conducted a SWOT analysis of their own personality and identified strengths like being confident and weaknesses like being considerate. They also observed traits in others like empathy, rational thinking, emotional intelligence, and motivation that they hoped to develop in themselves. The student described one resident, Mr. Kesavan, in detail and analyzed personality factors he needed to improve like perception, attitude, learning, and motivation.
Anilesh Ahuja Pioneering a Paradigm Shift in Real Estate Success.pptxneilahuja668
Anilesh Ahuja journey is a testament to the power of vision, resilience, and unwavering determination. As a visionary leader, he continues to inspire and empower others to dream big and challenge the status quo. His legacy extends far beyond the realm of real estate, leaving an indelible mark on the industry and the world at large.
36,778 sq. ft. building; Zoning: SE (Suburban Employment): The (SE) District allows numerous commercial site uses; Passenger elevator; Private and common restrooms; Fully sprinkled; Data center with a grounded floor and a specialized HVAC system; 60 KVA back-up generator; Building/pylon signage; Potential to purchase adjacent parcels; Sale Price: $4,413,360
Andhra Pradesh, known for its strategic location on the southeastern coast of India, has emerged as a key player in India’s industrial landscape. Over the decades, the state has witnessed significant growth across various sectors,
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
Listing Turkey - Piyalepasa Istanbul CatalogListing Turkey
We are working around the clock to transform a long-time dream into reality. As a result, Piyalepasa Istanbul will be the largest privately developed urban regeneration project in Turkey.
THE NEIGHBORHOOD WE HAVE BEEN LONGING FOR IS COMING TO LIFE
The good old days of the Piyalepasa neighborhood are being brought back to life with Piyalepasa Istanbul houses, residences, offices, hotels and a pedestrianized shopping avenue.
The wide streets of this 82.000 square meter development conveniently face the main boulevard in a prime Beyoglu location. “Piyalepaşa İstanbul” stands out as the only project designed to offer a neighborhood lifestyle, complete with its grocers, bagel sellers and greengrocer. Piyalepasa Istanbul has all the values to make it an authentic neighborhood, our very own community.
A NEIGHBORHOOD FULL OF LIFE, IN THE HEART OF THE CITY!
“Piyalepaşa İstanbul” is a “mixed-use” concept containing all the elements for a vibrant social life with houses, residences, offices, hotels and high street shopping.
“Piyalepaşa İstanbul” will take the liveliness of Istanbul into its heart. The elegant sparkle of Nisantasi, the young and colorful Besiktas, the variety and multicultural heritage of Istiklal Street will all be contained within the streets of this neighborhood.
“Piyalepaşa İstanbul” bears traces of the most beautiful examples of Turkish architecture from the Seljuks to the Ottomans and from Anatolia to Rumelia. With its graded facades, wide eaves, bay windows, pools, and interior courtyard systems, it offers a new living space without disrupting the city’s silhouette and neighborhood.
“Piyalepaşa İstanbul” is the new attraction of this splendid city.
TO BE AT THE CENTER OF ISTANBUL… THIS IS REAL LUXURY!
With its proximity to D-100 highway, connecting roads and tunnels, “Piyalepaşa İstanbul” is only minutes away from Kabatas, Besiktas, the Golden Horn and Karakoy.
“Piyalepaşa İstanbul” is close to the prestigious new Istanbul Court House, a major hospital, the Perpa trade center and the city’s most lively neighborhoods. With its shuttle service to Okmeydani Metrobus station, Sishane and the Court House subway stations, “Piyalepaşa İstanbul” will provide you with the most convenient transport connections.
https://listingturkey.com/property/piyalepasa-istanbul/
Stark Builders: Where Quality Meets Craftsmanship!shuilykhatunnil
At Stark Builders our vision is to redefine the renovation experience by combining both stunning design and high quality construction skills. We believe that by delivering both these key aspects together we are able to achieve incredible results for our clients and ensure every project reflects their vision and enhances their lifestyle.
Although we are not all related by blood we have created a team of highly professional and hardworking individuals who share the common goal of delivering beautiful and functional renovated spaces. Our tight nit team are able to work together in a way where we pour our passion into each and every project as we have a love for what we do. Building is our life.
Signature Global TITANIUM SPR | 3.5 & 4.5BHK High rise Apartments in Gurgaonglobalsignature2022
Signature Global TITANIUM SPR launched a high rise apartments in Gurgaon . In this project Signature Global offers 3.5 & 4.5 BHK high rise Apartment at sector 71 Gurgaon SPR Road. Signature Global Titanium SPR is IGBC Gold certified, a testament to our commitment to sustainability.
Why is Revit MEP Outsourcing considered an as good option for construction pr...MarsBIM1
Outsourcing MEP modeling services require effective collaboration and coordination amongst multiple engineering trades. The engineers and the designers often change the details of the MEP projects, but the work of Revit MEP drafting services is having the master plan and model of the complete project. To have proper coordination and installation, there is a need to execute the project effectively. Hence, the work of Revit family creation facilitates the MEP engineers.
Living in an UBER World - June '24 Sales MeetingTom Blefko
June 2024 Lancaster County Sales Meeting for Berkshire Hathaway HomeServices Homesale Realty covering the following topics: 1. VA Suspends Buyer Agent Payment Plan (article), 2. Frequently Used Terms in title, 3. Zillow Showcase Overview, 4. QuickBuy commission promotion, 5. Documenting Cooperative Compensation, 6. NAR's Code of Ethics - Mass Media Solicitations, 7. Is it really cheaper to rent? 8. Do's and Don't's when Terminating the Agreement of Sale, 9. Living in an UBER World
4. http:// www.ForeclosureDataBank.com Monthly payments include principal amount and interest that is to be paid every month for fixed mortgage term. Mortgage term means number of loan repayment years that starts from 5 years up to 30 years. CONCEPTS OF AMORTIZATION Monthly Payments/Mortgage Term
5. http:// www.ForeclosureDataBank.com Amortization schedule depicts how each monthly installment is applied to balance of loan. It shows how much more principal or less interest & visa versa is divided in each installment. CONCEPTS OF AMORTIZATION Amortization Schedule
6. http:// www.ForeclosureDataBank.com Prepayments is a concept that allows the borrower to pay a few payments in advance. This provides certain amount of security in case borrower happens to miss any monthly installment. CONCEPTS OF AMORTIZATION Prepayments
7. http:// www.ForeclosureDataBank.com Extra payments allow the borrower to pay extra money or surplus money in addition to current monthly installments as per borrowers convenience. This helps reduce the principal amount sooner. CONCEPTS OF AMORTIZATION Extra Payments