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Money Matters Collection helps you manage your finances.
It provides you with the tools, guidance, Excel spreadsheets, Excel formulas, plus our Loans Management program for Windows, all taken from our library of 50 investment, mortgage and banking programs to protect yourself from being cut to pieces financially in a thousand small ways that banks devise to separate you from your money.
The sub prime crisis means higher interest rates are on their way for all credit accounts, there will be higher and new bank charges and fees, higher investment management fees, lower interest rates on savings account and lower real rates of return on investments. All these predictions must come true as banks and investment houses find ways to recoup their sub prime losses by milking existing good borrowers and good quality accounts.
Interest rate spreadsheets. DonÂ?t get ripped off by your bank when they quietly change your interest rates on a loan or savings account without informing you. Keep a constant check on the interest rate applied to your banking, credit, loan or savings accounts.
Bank balances spreadsheets. Eliminate Â?disproportionate bank chargesÂ? using these bank account spreadsheets. 19 million pounds was returned to personal bank account holders by British banks during 2007 when challenged over disproportionate charging.
Credit card spreadsheets. Banks earn ten billion dollars a year leaching extra fees from credit cards. The fees Â? which are often buried in the small print Â? can be eliminated with following the guidelines in this spreadsheet which helps you maintain the lowest credit card expense.
Check your Mortgage spreadsheets. Computer errors and plain mistakes by lenders can often lead you to paying higher mortgage interest amounts than you should and for longer. Learn how to check your mortgage costs and manage your mortgage repayments to cut thousands of dollars from your expenses.
Check your loan. With Check Loans 2000 you can maintain all the repayment accounts of as many loans as you want in one register, keep track each loanÂ?s remaining balance, number of repayment months and interest charges. (Windows install file).
Rate of Return Spreadsheet. Calculate the rate of return from share investments quickly and simply over a one, two or three year period.
Portfolio Rate of Return spreadsheet. Calculate the annualized rate of return from investing in a portfolio of shares.
Managed Funds spreadsheet. Save $200,000 over a lifetime investments in managed funds. Â?High management fees have no correlation with performanceÂ? (FSA). This spreadsheet shows you how to improve your returns by $200,000 over a lifetime investments in managed funds.
Buy to Let Spreadsheet. Buy to Let can provide real returns if the starting conditions and rental terms are just right. Use this spreadsheet to work out your rate of return from Buy to let under any set of assumptions.
Financial Improvement spreadsheet. Combine all the above to establish the annual amounts of money that can be prevented from leaching away from your accounts and combine with improved returns from investments using guidelines set out in the Investments spreadsheets and establish your Financial Improvement Program. The amounts of money extracted from banking, credit card and mortgage accounts and from managed investment accounts approaches tens of billions of dollars per annum in the United States. Take your money back into your own hands using the ready to claim spreadsheets supplied in this Money Matters Collection.
The download (zip) provides three separate files. Windows program (Check Loans, 7MB file), plus Excel workbook 1 provides the guidance, formulas, explanations and working tutorials. Excel workbook 2 provides the spreadsheets to simulate and optimize your accounts.
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