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TimeValue Software Blog

Failure to Pay Interest Calculation

By Martel Pellerin

The Failure to Pay penalties are interest bearing from the notice (or assessment) dates both for the Failure to Pay Tax Shown on Return §6651(a)(2) and the Failure to Pay Amount Assessed §6651(a)(3). TaxInterest software will calculate the interest but only if you complete the inputs for the late payment notices.

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Structuring Monthly Skipped/Modified Payments

By Martel Pellerin

Managing seasonal cash flows of a business can be an art and a science. For a lender, the key to success is making life easier for the borrower or lessee. One opportunity for Lenders/lessors is to structure loans or leases with monthly skipped or modified payments when appropriate and creating a win-win for both parties. This structuring can separate you from the competition.

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Present Value versus Net Present Value

By Martel Pellerin

The present value and the net present value are essentially the same calculation. As the example below shows, the difference has to do with whether there is a starting balance or not.

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Calculating Present Values

By Martel Pellerin

Present Value (PV) or Net Present Value (NPV) are fundamental concepts in finance that help us determine the current worth of a future sum of money. There are many areas of finance that use PV calculation. It essentially discounts the future value to today's dollars, considering the time value of money and the expected rate of return, and produces an amount of the value of the cash flows today, the present.

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Structuring Lease Buydowns

By Martel Pellerin

With interest rates increasing over the last couple of years, sometimes buying the rate down can be a great strategy. A buydown is a way for a lessee to obtain a lower interest rate and payments by having points paid up front at closing. Seller-paid buydowns are the most common type of lease buydown.

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