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TimeValue Software Blog

Setting up a Line of Credit in TValue

By Martel Pellerin

The key to tracking a Line of Credit (LOC) in TValue software lies in the settings. LOCs are financial products that provide borrowers with access to a predetermined amount of funds, similar to a revolving credit facility.

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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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