ÿþ<HTML> <HEAD> <TITLE>How much do you owe?</TITLE> <META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=iso8859-1"> <META NAME="description" CONTENT="Financial Calculators, ©1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net"> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <!-- Financial Calculators, ©1998-2008 KJE Computer Solutions, LLC. 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For more information please see: <A HREF="http://www.dinkytown.net">http://www.dinkytown.net</A> --> <H1>How much do you owe?</H1><P>Use this calculator to find out how much you owe. This can be used as a good starting point for your debt management plan. Enter all of your credit cards and outstanding installment loans balances. Find out how much you owe and how long it will take to pay it all off.<P><CENTER> <!--[if IE]><object name="calculator" classid="clsid:8AD9C840-044E-11D1-B3E9-00805F499D93" codebase="http://java.sun.com/update/1.6.0/jinstall-6-windows-i586.cab#Version=1,4,0,0" height="400" width="565"><param name="code" value="DebtAmount" /><param name="archive" value="dinkytown.jar" /> <P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]--><![if !IE]><P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]></P><![if !IE]><APPLET name="calculator" code="DebtAmount.class" align="baseline" WIDTH="565" HEIGHT="400" archive="dinkytown.jar"><![endif]> <PARAM name="SHOW_CC_TYPE" value="false"> <PARAM name="CC_BALANCE_1" value="5000"> <PARAM name="CC_RATE_1" value="18.9"> <PARAM name="CC_PAYMENT_1" value="178.75"> <PARAM name="CC_BALANCE_2" value="0"> <PARAM name="CC_RATE_2" value="0"> <PARAM name="CC_PAYMENT_2" value="0"> <PARAM name="CC_BALANCE_3" value="0"> <PARAM name="CC_RATE_3" value="0"> <PARAM name="CC_PAYMENT_3" value="0"> <PARAM name="CC_BALANCE_4" value="0"> <PARAM name="CC_RATE_4" value="0"> <PARAM name="CC_PAYMENT_4" value="0"> <PARAM name="CC_BALANCE_5" value="0"> <PARAM name="CC_RATE_5" value="0"> <PARAM name="CC_PAYMENT_5" value="0"> <PARAM name="CC_BALANCE_6" value="0"> <PARAM name="CC_RATE_6" value="0"> <PARAM name="CC_PAYMENT_6" value="0"> <PARAM name="CC_BALANCE_7" value="0"> <PARAM name="CC_RATE_7" value="0"> <PARAM name="CC_PAYMENT_7" value="0"> <PARAM name="CC_BALANCE_8" value="0"> <PARAM name="CC_RATE_8" value="0"> <PARAM name="CC_PAYMENT_8" value="0"> <PARAM name="CC_BALANCE_9" value="0"> <PARAM name="CC_RATE_9" value="0"> <PARAM name="CC_PAYMENT_9" value="0"> <PARAM name="CC_BALANCE_10" value="0"> <PARAM name="CC_RATE_10" value="0"> <PARAM name="CC_PAYMENT_10" value="0"> <PARAM name="NEW_LOAN_BALANCE" value="5000"> <PARAM name="NEW_LOAN_RATE" value="11.00"> <PARAM name="NEW_LOAN_PAYMENT" value="178.75"> <PARAM name="NEW_LOAN_TERM" value="120"> <PARAM name="BUTTON_NAME" value="Enter Data"> <!--CUSTOM PARAMETERS--> <PARAM name="TEXT_FOR_REPORT" value="<HTML> <HEAD> <TITLE>How much do you owe?</TITLE> <META HTTP-EQUIV='Content-Type' CONTENT='text/html; charset=iso8859-1'> <META NAME='description' CONTENT='Financial Calculators, &QCPQ;1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net'> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <BODY bgcolor='#FFFFFF' LINK='#003399' VLINK='#666666' BGCOLOR='#FFFFFF'> <CENTER><table border=0 bgcolor='#000000' width=468 cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFDD' border=0 width=468 cellspacing=1 cellpadding=5><tr><td width='100%' align=center valign=middle><DIV class=large>How much do I owe?</DIV></td></tr></table></TD></TR></TABLE></CENTER> <H1>You owe a total of OUTSTANDING_BALANCE.</H1>**GRAPH**<P>Your current payment is MONTHLY_PAYMENT. If you continue to make the minimum payments it will take you CURRENT_PAYOFF to payoff this debt. The total interest paid will be INTEREST_CURRENT. <P><CENTER><table border=0 bgcolor='#000000' width=95% cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFFF' border=0 width=100% cellspacing=1 cellpadding=5> <TR BGCOLOR='#CCCCCC'><TD COLSPAN=4><CENTER><B>Debt Summary</B></CENTER></TD></TR> <TR BGCOLOR='#CCCCCC'><TD><b>&NBSP; </b> </TD><TD><B>Amount Owed</B></TD><TD><B>Interest Rate</B></TD><TD><B>Monthly Payment</B></TD></TR> <TR><TD><b>Credit cards </b> </TD><TD>CC_OUTSTANDING_BALANCE</TD><TD>CC_AVERAGE_RATE</TD><TD>CC_MONTHLY_PAYMENT</TD></TR> <TR><TD><b>Auto loans</b></TD><TD>AUTO_OUTSTANDING_BALANCE</TD><TD>AUTO_AVERAGE_RATE</TD><TD>AUTO_MONTHLY_PAYMENT</TD></TR> <TR><TD><b>Other loans </b> </TD><TD>OTHER_OUTSTANDING_BALANCE</TD><TD>OTHER_AVERAGE_RATE</TD><TD>OTHER_MONTHLY_PAYMENT</TD></TR> <TR><TD><b>Totals </b> </TD><TD><b>OUTSTANDING_BALANCE</b></TD><TD><b>AVERAGE_RATE</b></TD><TD><b>MONTHLY_PAYMENT</b></TD></TR> </TABLE></TD></TR></TABLE></CENTER> <P><DIV class=large>Payment Schedule</DIV> <HR SIZE=1> **REPEATING GROUP** <BR> <HR SIZE=1> <CENTER><P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER><br><br> </BODY> </HTML> "> <H1><CENTER>This Financial Calculator requires SUN's Java"! Plug-in. If you see this message you will need to download SUN's Java"! Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing  Install ActiveX Control . </CENTER></H1> <OL> You can also get SUN's Java"! Plug-in here: <A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java"! Plug-in!</b></A> <P>For more information about this Plug-in please visit: <A href="http://www.dinkytown.net/money/sunjvm.html" target=_blank><b>SUN's Java"! Plug-in</b></A> <BR>For more information these financial calculators please visit: <A href="http://www.dinkytown.net" target=_blank><b>Financial Calculators from KJE Computer Solutions, LLC</b></A> </OL><!--[if IE]></OBJECT><![endif]--><![if !IE]></APPLET><![endif]> </CENTER><CENTER><SCRIPT>document.write(showbuttons())</SCRIPT> </CENTER> <H1>Definitions</H1><P><TABLE align='center' WIDTH="95%"><TR><TD><DL><!--DEFN_START--> <DT><B>Credit cards</B><DD>Enter up to 10 credit card accounts, one on each line.<P> <DT><B>Balance</B><DD>Your current balance on your credit card.<P> <DT><B>Interest rates</B><DD>The average annual percentage rate you pay. This interest rate is calculated for each of the categories of debt you have including credit cards, Auto Loans and other installment loans. For credit cards the rate you enter is used to calculate the interest on all future credit card payments. The length of time to pay off this credit card may be much greater than calculated if you enter a low promotional interest rate that is only good for a short period of time.<P> <DT><B>Auto loans</B><DD>Click on the "Enter Data" button to input any auto loans you may have into the details page. This details page is designed to let you input your current monthly payment, the term (in months), the starting balance and the number of months you have left. It then calculates your outstanding balance and interest rate. You can enter up to three installment loans.<P> <DT><B>Other loans</B><DD>Click on the "Enter Data" button to input any additional installment loans you may have into the details page. This details page is designed to let you input your current monthly payment, the term (in months), the starting balance and the number of months you have left. It then calculates your outstanding balance and interest rate. You can enter up to six installment loans.<P> <DT><B>Payment</B><DD>This is your initial monthly payment. For credit cards, if you checked the "use credit card minimum payments" box, your monthly payment is calculated as 4% of your current outstanding balance. With the "use credit card minimum payments" box checked, your monthly payment will decrease as your balance is paid down. This can greatly increase the length of time it takes to pay off your credit cards. Uncheck this box to enter your own monthly payment that will remain the same until your balance is paid in full. <P>(We calculate your minimum monthly payment as 4% of your current outstanding balance. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.) <!--DEFN_END--></DL></TD></TR></TABLE> <BR> <HR SIZE=1> <CENTER> <P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER> <BR> </BODY> </HTML>