Index of /geminiatari/FILES/OTHER/AM

 Name                    Last modified       Size  Description

 Parent Directory        24-Sep-2006 15:33      -  
 AM.0                    30-Jul-1993 09:46     2k  
 AM.1                    30-Jul-1993 09:46     9k  
 AM.C                    30-Jul-1993 09:46    19k  
 AM.SH                   30-Jul-1993 09:46     1k  
 AM.TTP                  30-Jul-1993 09:46    30k  
 EXAMPLE                 30-Jul-1993 09:46     2k  
 EXAMPLE.1               30-Jul-1993 09:46     1k  
 EXAMPLE.2               30-Jul-1993 09:46     1k  
 EXAMPLE.3               30-Jul-1993 09:46     2k  
 INSTALL                 30-Jul-1993 09:46     1k  
 MAKEFILE                30-Jul-1993 09:46     1k  
 MAKEFILE.ATA            30-Jul-1993 09:46     1k  
 MANIFEST                30-Jul-1993 09:46     1k  
 OUTPUT.1                30-Jul-1993 09:46     5k  
 OUTPUT.2                30-Jul-1993 09:46    10k  
 OUTPUT.3                30-Jul-1993 09:46    10k  
 PATCHLEV.H              30-Jul-1993 09:46     1k  

DESCRIPTION

The program AM is a 'realistic' amortization schedule generator.  It handles
all the typical cases for a loan payment calculation program of this type:

	Takes loan amount and interest rate.

	Will compute payment amount (given length of loan) or use supplied
	value.

	Will print all or part of the resulting schedule (do you really need
	all 30 years printed?).

	Prints yearly sub-totals and final totals for everything.

The 'realistic' part is what makes AM unique.  These are the features that
allow this program to do 'real' amortization schedules (ie, one where
everything isn't just perfect):

	It prints all numbers right-justified with commas just as a
	professionally (done in COBOL?) created schedule would.  This makes the
	resulting schedules look very nice, and be easy to read.

	It allows the first month to be defined as short or long (more or less
	days than normal) for the cases where the loan doesn't close on the
	first of the month, but payments will be due on the first.

	It allows extra, short, or missed payments to be defined for any month.
	This is necessary when running schedules on existing loans that have
	not been well behaved (see the file ./example for a complex example).

	It handles an ARM (Adjustable Rate Mortgage) where the interest rate
	changes over the life of the loan.

REQUIREMENTS

This program should compile and run on any unix-like system with a C compiler.
It can use nroff(1) to format the output, and since nroff is used to format
man pages most all unix-like systems should have this.

COPYRIGHT

Copyright 1987, 1992, 1993	Brett K. Carver
				brett@sr.hp.com

LICENSE

The program AM is licensed for personal use only.  It may not be sold.  Any
schedules generated by it may not be sold.  I have not made any money on AM so
it is not licensed to be used in any commercial way.  The sources may be
distributed as long as all credits and copyrights remain in place.

DISCLAIMER

This software is presented as is, with no warranties expressed or implied,
including implied warranties of merchantability and fitness.  In no event shall
the authors, their institutions, or any subsequent distributors be liable for
any special, direct, indirect or consequential damages whatsoever resulting
from loss of use, data or profits, whether in an action of contract, negligence
or other tortious action, arising out of or in connection with the use or
performance of this software.