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TimeValue Software Blog

Settlement Offers

By Martel Pellerin

If you are considering a settlement offer or if you want to pay off a settlement, you want to find out how much it is worth today. To do this, you need to calculate the present value, because the lump sum of your settlement’s value is going to be worth less in the future than it is today. When you have a claim to see how much money you would accept or pay today, a simple present value calculation is the answer.

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Bi-Weekly vs Half Month Mortgage Payments

By Martel Pellerin

Occasionally a customer asks whether making half monthly payments instead of monthly payments will pay off their mortgage quicker.  The answer is no.   Let’s assume a 30-year loan. You will only save part of one month’s interest over the 30 years so it is probably not worth it and this is assuming that your bank will process your partial half month payments timely.

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Using Zero Payments for Accruals

By Martel Pellerin

Often, we have no activity on a loan or an investment but we want to know the amount of interest that is accruing or compounding. You can trigger the interest to appear by adding events such as a Payment or Invest for a $0 amount. This causes TValue to calculate the interest and, depending on the compute method, either add it to the principal if you are using Normal (compound interest) or to the accrued interest balance if you are using US Rule (simple interest).

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The Impact of Compounding

By Martel Pellerin

In reviewing the 2017 Berkshire Performance summary, you would be amazed at the impact that compounding has over a number of years. In their report, they show three return calculations: the Berkshire per share “book value” which was a 19.1% compounded annual return, the Berkshire per share “market value” which was a 20.9% compounded annual return, and the S&P 500 compounded annual return of 9.9%. These were from August 31, 1964 to December 31, 2017.

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Pasting Excel into TValue 6

By Martel Pellerin

How many times have you had a detailed schedule in Excel and wanted to copy it into TValue instead of inputting it line by line? With TValue 6, pasting lines from Excel into the cash flow matrix can be easy with this advanced feature.

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