T.HOME REF
FILE INFORMATION
FILENAME(S): T.HOME REF
FILE TYPE(S): PRG
FILE SIZE: 7.8K
FIRST SEEN: 2025-12-01 19:06:53
APPEARS ON: 1 disk(s)
FILE HASH
794051faedf28eec391ffba576564ffb01b67d1318ff82dea4248f9f0d553604
FOUND ON DISKS (1 DISKS)
| DISK TITLE | FILENAME | FILE TYPE | COLLECTION | TRACK | SECTOR | ACTIONS |
|---|---|---|---|---|---|---|
| LS 128 17 S 2 | T.HOME REF | PRG | Icebreaker | 34 | 8 | DOWNLOAD FILE |
FILE CONTENT & ANALYSIS
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WROTE T| 00000580: 48 49 53 20 50 52 4F 47 52 41 4D 2E 20 20 D7 48 |HIS PROGRAM. .H| 00000590: 49 4C 45 20 57 45 20 43 41 4E 4E 4F 54 20 42 45 |ILE WE CANNOT BE| 000005A0: 20 48 45 4C 44 20 52 45 53 50 4F 4E 53 49 42 4C | HELD RESPONSIBL| 000005B0: 45 20 46 4F 52 20 59 4F 55 52 0D 48 4F 4D 45 20 |E FOR YOUR.HOME | 000005C0: 46 49 4E 41 4E 43 49 4E 47 20 44 45 43 49 53 49 |FINANCING DECISI| 000005D0: 4F 4E 53 2C 20 59 4F 55 20 43 41 4E 20 52 45 53 |ONS, YOU CAN RES| 000005E0: 54 20 41 53 53 55 52 45 44 20 54 48 41 54 20 54 |T ASSURED THAT T| 000005F0: 48 49 53 20 50 52 4F 47 52 41 4D 20 57 41 53 0D |HIS PROGRAM WAS.| 00000600: 44 45 53 49 47 4E 45 44 20 42 59 20 41 20 4B 4E |DESIGNED BY A KN| 00000610: 4F 57 4C 45 44 47 45 41 42 4C 45 2C 20 54 59 50 |OWLEDGEABLE, TYP| 00000620: 45 2D C1 2C 20 4D 4F 4E 45 59 2D 43 4F 4E 53 43 |E-., MONEY-CONSC| 00000630: 49 4F 55 53 20 4B 49 4E 44 20 4F 46 20 47 55 59 |IOUS KIND OF GUY| 00000640: 20 2D 2D 20 C1 4C 2E 20 20 C9 54 0D 57 41 53 20 | -- .L. .T.WAS | 00000650: 43 4F 44 45 44 20 42 59 20 41 20 47 55 59 20 57 |CODED BY A GUY W| 00000660: 48 4F 20 4E 45 56 45 52 20 42 55 59 53 20 41 4E |HO NEVER BUYS AN| 00000670: 59 54 48 49 4E 47 20 55 4E 54 49 4C 20 48 45 20 |YTHING UNTIL HE | 00000680: 43 41 4E 20 50 41 59 20 46 4F 52 20 49 54 20 49 |CAN PAY FOR IT I| 00000690: 4E 20 43 41 53 48 20 2D 0D 4D 45 2E 20 20 C9 20 |N CASH -.ME. . | 000006A0: 41 4D 20 4E 4F 54 20 41 20 48 4F 4D 45 20 4F 57 |AM NOT A HOME OW| 000006B0: 4E 45 52 20 54 59 50 45 2E 0D 0D 20 20 20 20 20 |NER TYPE... | 000006C0: D4 48 49 53 20 49 53 20 4E 4F 54 20 41 20 54 55 |.HIS IS NOT A TU| 000006D0: 54 4F 52 49 41 4C 20 4F 4E 20 4D 4F 52 54 47 41 |TORIAL ON MORTGA| 000006E0: 47 45 53 2E 20 20 C9 54 20 49 53 20 41 53 53 55 |GES. .T IS ASSU| 000006F0: 4D 45 44 20 54 48 41 54 20 59 4F 55 20 41 52 45 |MED THAT YOU ARE| 00000700: 20 50 41 59 49 4E 47 0D 4F 4E 20 59 4F 55 52 20 | PAYING.ON YOUR | 00000710: 48 4F 4D 45 20 4C 4F 41 4E 20 41 4E 44 20 41 52 |HOME LOAN AND AR| 00000720: 45 20 52 45 41 53 4F 4E 41 42 4C 59 20 46 41 4D |E REASONABLY FAM| 00000730: 49 4C 49 41 52 20 57 49 54 48 20 48 4F 57 20 48 |ILIAR WITH HOW H| 00000740: 4F 4D 45 20 46 49 4E 41 4E 43 49 4E 47 20 57 4F |OME FINANCING WO| 00000750: 52 4B 53 2E 0D C9 4E 54 45 52 45 53 54 20 52 41 |RKS...NTEREST RA| 00000760: 54 45 53 20 41 4E 44 20 50 4F 49 4E 54 53 20 41 |TES AND POINTS A| 00000770: 52 45 20 54 4F 20 42 45 20 45 4E 54 45 52 45 44 |RE TO BE ENTERED| 00000780: 20 41 53 20 44 45 43 49 4D 41 4C 20 4E 55 4D 42 | AS DECIMAL NUMB| 00000790: 45 52 53 2E 20 20 C9 46 20 54 48 45 20 52 41 54 |ERS. .F THE RAT| 000007A0: 45 0D 49 53 20 38 2E 34 25 2C 20 45 4E 54 45 52 |E.IS 8.4%, ENTER| 000007B0: 20 38 2E 34 2C 20 4E 4F 54 20 2E 30 38 34 2E 20 | 8.4, NOT .084. | 000007C0: 20 C9 46 20 54 48 45 20 50 4F 49 4E 54 53 20 41 | .F THE POINTS A| 000007D0: 52 45 20 33 2C 20 45 4E 54 45 52 20 33 2C 20 4E |RE 3, ENTER 3, N| 000007E0: 4F 54 20 2E 30 33 2E 0D 0D 0D D4 C8 C5 20 CD C1 |OT .03....... ..| 000007F0: C9 CE 20 D3 C3 D2 C5 C5 CE 0D 2D 2D 2D 2D 2D 2D |.. .......------| 00000800: 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 0D 20 20 20 20 20 |---------.. | 00000810: D4 48 45 20 50 52 4F 47 52 41 4D 20 48 4F 4C 44 |.HE PROGRAM HOLD| 00000820: 53 20 41 4C 4C 20 4F 46 20 54 48 45 20 49 4E 46 |S ALL OF THE INF| 00000830: 4F 52 4D 41 54 49 4F 4E 20 4F 4E 20 4F 4E 45 20 |ORMATION ON ONE | 00000840: 53 43 52 45 45 4E 2E 20 20 C9 20 43 48 4F 53 45 |SCREEN. . CHOSE| 00000850: 20 41 0D 43 4F 4C 4F 52 2D 43 4F 44 45 44 20 53 | A.COLOR-CODED S| 00000860: 43 48 45 4D 45 20 54 4F 20 4B 45 45 50 20 41 4C |CHEME TO KEEP AL| 00000870: 4C 20 4F 46 20 54 48 45 20 52 45 4C 41 54 45 44 |L OF THE RELATED| 00000880: 20 44 41 54 41 20 54 4F 47 45 54 48 45 52 2E 20 | DATA TOGETHER. | 00000890: 20 D4 48 45 52 45 20 49 53 20 41 0D 48 45 4C 50 | .HERE IS A.HELP| 000008A0: 20 53 43 52 45 45 4E 20 54 48 41 54 20 45 58 50 | SCREEN THAT EXP| 000008B0: 4C 41 49 4E 53 20 57 48 41 54 20 49 4E 46 4F 52 |LAINS WHAT INFOR| 000008C0: 4D 41 54 49 4F 4E 20 49 53 20 54 4F 20 42 45 20 |MATION IS TO BE | 000008D0: 45 4E 54 45 52 45 44 20 49 4E 54 4F 20 57 48 49 |ENTERED INTO WHI| 000008E0: 43 48 0D 43 4F 4C 4F 52 45 44 20 41 52 45 41 2E |CH.COLORED AREA.| 000008F0: 20 20 C1 4C 4C 20 54 45 4E 20 4F 46 20 54 48 45 | .LL TEN OF THE| 00000900: 20 46 49 45 4C 44 53 20 54 48 41 54 20 59 4F 55 | FIELDS THAT YOU| 00000910: 20 41 52 45 20 54 4F 20 45 4E 54 45 52 20 44 41 | ARE TO ENTER DA| 00000920: 54 41 20 49 4E 54 4F 20 41 52 45 0D 42 4C 41 43 |TA INTO ARE.BLAC| 00000930: 4B 2E 20 20 C1 4C 4C 20 4F 54 48 45 52 20 46 49 |K. .LL OTHER FI| 00000940: 45 4C 44 53 20 41 52 45 20 47 52 45 59 2C 20 41 |ELDS ARE GREY, A| 00000950: 4E 44 20 41 52 45 20 43 41 4C 43 55 4C 41 54 45 |ND ARE CALCULATE| 00000960: 44 20 46 49 45 4C 44 53 20 2D 2D 20 54 48 45 20 |D FIELDS -- THE | 00000970: 43 4F 4D 50 55 54 45 52 0D 57 49 4C 4C 20 46 49 |COMPUTER.WILL FI| 00000980: 4C 4C 20 49 4E 20 54 48 45 53 45 20 46 49 45 4C |LL IN THESE FIEL| 00000990: 44 53 2E 0D 0D 20 20 20 20 20 D4 48 45 52 45 20 |DS... .HERE | 000009A0: 41 52 45 20 46 49 56 45 20 4F 50 54 49 4F 4E 53 |ARE FIVE OPTIONS| 000009B0: 20 41 54 20 54 48 45 20 42 4F 54 54 4F 4D 20 4F | AT THE BOTTOM O| 000009C0: 46 20 54 48 45 20 53 43 52 45 45 4E 3A 20 CC CF |F THE SCREEN: ..| 000009D0: C1 C4 2C 20 D3 C1 D6 C5 2C 20 D0 D2 C9 CE D4 2C |.., ...., .....,| 000009E0: 0D C8 C5 CC D0 20 41 4E 44 20 D1 D5 C9 D4 2E 20 |..... AND ..... | 000009F0: 20 D4 48 45 53 45 20 41 52 45 20 41 43 43 45 53 | .HESE ARE ACCES| 00000A00: 53 45 44 20 42 59 20 54 59 50 49 4E 47 20 54 48 |SED BY TYPING TH| 00000A10: 45 20 46 49 52 53 54 20 4C 45 54 54 45 52 20 4F |E FIRST LETTER O| 00000A20: 46 20 54 48 45 0D 43 4F 4D 4D 41 4E 44 2E 20 20 |F THE.COMMAND. | 00000A30: D7 48 45 4E 20 59 4F 55 20 48 41 56 45 20 41 4C |.HEN YOU HAVE AL| 00000A40: 4C 20 4F 46 20 54 48 45 20 49 4E 46 4F 52 4D 41 |L OF THE INFORMA| 00000A50: 54 49 4F 4E 20 45 4E 54 45 52 45 44 20 46 4F 52 |TION ENTERED FOR| 00000A60: 20 41 20 50 41 52 54 49 43 55 4C 41 52 0D 53 43 | A PARTICULAR.SC| 00000A70: 45 4E 41 52 49 4F 2C 20 43 48 4F 4F 53 45 20 D3 |ENARIO, CHOOSE .| 00000A80: C1 D6 C5 20 41 4E 44 20 41 4C 4C 20 4F 46 20 54 |... AND ALL OF T| 00000A90: 48 45 20 44 41 54 41 20 57 49 4C 4C 20 42 45 20 |HE DATA WILL BE | 00000AA0: 53 41 56 45 44 20 49 4E 20 41 20 46 49 4C 45 4E |SAVED IN A FILEN| 00000AB0: 41 4D 45 20 4F 46 0D 59 4F 55 52 20 43 48 4F 49 |AME OF.YOUR CHOI| 00000AC0: 43 45 2E 20 20 D7 48 45 4E 20 59 4F 55 20 43 48 |CE. .HEN YOU CH| 00000AD0: 4F 4F 53 45 20 CC CF C1 C4 2C 20 41 20 44 49 52 |OOSE ...., A DIR| 00000AE0: 45 43 54 4F 52 59 20 4F 46 20 53 41 56 45 44 20 |ECTORY OF SAVED | 00000AF0: 46 49 4C 45 53 20 28 50 52 45 46 49 58 45 44 20 |FILES (PREFIXED | 00000B00: 42 59 0D 22 48 52 2E 22 29 20 57 49 4C 4C 20 42 |BY."HR.") WILL B| 00000B10: 45 20 53 48 4F 57 4E 20 4F 4E 20 54 48 45 20 53 |E SHOWN ON THE S| 00000B20: 43 52 45 45 4E 2E 20 20 CD 4F 56 45 20 54 48 45 |CREEN. .OVE THE| 00000B30: 20 48 49 47 48 4C 49 47 48 54 20 42 41 52 20 54 | HIGHLIGHT BAR T| 00000B40: 4F 20 54 48 45 20 46 49 4C 45 20 59 4F 55 0D 57 |O THE FILE YOU.W| 00000B50: 41 4E 54 20 41 4E 44 20 50 52 45 53 53 20 D2 C5 |ANT AND PRESS ..| 00000B60: D4 D5 D2 CE 2E 20 20 D4 48 45 20 44 41 54 41 20 |..... .HE DATA | 00000B70: 57 49 4C 4C 20 42 45 20 4C 4F 41 44 45 44 20 4F |WILL BE LOADED O| 00000B80: 4E 54 4F 20 54 48 45 20 4D 41 49 4E 20 53 43 52 |NTO THE MAIN SCR| 00000B90: 45 45 4E 2C 20 57 49 50 49 4E 47 0D 4F 55 54 20 |EEN, WIPING.OUT | 00000BA0: 41 4E 59 20 44 41 54 41 20 54 48 41 54 27 53 20 |ANY DATA THAT'S | 00000BB0: 43 55 52 52 45 4E 54 4C 59 20 53 48 4F 57 49 4E |CURRENTLY SHOWIN| 00000BC0: 47 2E 20 20 CD 41 4B 45 20 53 55 52 45 20 59 4F |G. .AKE SURE YO| 00000BD0: 55 20 53 41 56 45 20 41 4E 59 20 53 43 45 4E 41 |U SAVE ANY SCENA| 00000BE0: 52 49 4F 0D 54 48 41 54 27 53 20 49 4D 50 4F 52 |RIO.THAT'S IMPOR| 00000BF0: 54 41 4E 54 20 42 45 46 4F 52 45 20 CC CF C1 C4 |TANT BEFORE ....| 00000C00: 49 4E 47 20 41 4E 4F 54 48 45 52 2E 0D 0D 20 20 |ING ANOTHER... | 00000C10: 20 20 20 D0 D2 C9 CE D4 20 57 49 4C 4C 20 53 49 | ..... WILL SI| 00000C20: 4D 50 4C 59 20 50 52 49 4E 54 20 54 48 45 20 53 |MPLY PRINT THE S| 00000C30: 43 52 45 45 4E 2E 20 20 D3 49 4E 43 45 20 45 56 |CREEN. .INCE EV| 00000C40: 45 52 59 20 46 49 45 4C 44 20 49 53 20 43 4C 45 |ERY FIELD IS CLE| 00000C50: 41 52 4C 59 0D 4C 41 42 45 4C 45 44 2C 20 54 48 |ARLY.LABELED, TH| 00000C60: 49 53 20 50 52 49 4E 54 4F 55 54 20 49 53 20 54 |IS PRINTOUT IS T| 00000C70: 48 45 20 4D 4F 53 54 20 43 4F 4E 43 49 53 45 20 |HE MOST CONCISE | 00000C80: 57 41 59 20 54 4F 20 53 48 4F 57 20 41 4C 4C 20 |WAY TO SHOW ALL | 00000C90: 4F 46 20 54 48 45 20 44 45 54 41 49 4C 53 20 4F |OF THE DETAILS O| 00000CA0: 46 0D 41 20 50 41 52 54 49 43 55 4C 41 52 20 53 |F.A PARTICULAR S| 00000CB0: 43 45 4E 41 52 49 4F 2E 20 20 D4 48 45 20 C8 C5 |CENARIO. .HE ..| 00000CC0: CC D0 20 53 43 52 45 45 4E 20 43 41 4E 20 41 4C |.. SCREEN CAN AL| 00000CD0: 53 4F 20 42 45 20 50 52 49 4E 54 45 44 2E 0D 0D |SO BE PRINTED...| 00000CE0: C5 CE D4 C5 D2 C9 CE C7 20 C4 C1 D4 C1 0D 2D 2D |........ .....--| 00000CF0: 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 2D 0D 0D 20 20 20 |-----------.. | 00000D00: 20 20 D4 48 45 20 42 4C 41 43 4B 20 46 49 45 4C | .HE BLACK FIEL| 00000D10: 44 53 20 41 52 45 20 54 48 4F 53 45 20 54 48 41 |DS ARE THOSE THA| 00000D20: 54 20 59 4F 55 20 43 41 4E 20 45 4E 54 45 52 20 |T YOU CAN ENTER | 00000D30: 44 41 54 41 20 49 4E 54 4F 2E 20 20 CD 4F 56 45 |DATA INTO. .OVE| 00000D40: 20 54 48 45 0D 57 48 49 54 45 20 48 49 47 48 4C | THE.WHITE HIGHL| 00000D50: 49 47 48 54 20 42 41 52 20 54 4F 20 54 48 45 20 |IGHT BAR TO THE | 00000D60: 46 49 45 4C 44 20 59 4F 55 20 57 41 4E 54 20 54 |FIELD YOU WANT T| 00000D70: 4F 20 45 4E 54 45 52 20 41 4E 44 20 53 54 41 52 |O ENTER AND STAR| 00000D80: 54 20 54 59 50 49 4E 47 20 54 48 45 0D 4E 55 4D |T TYPING THE.NUM| 00000D90: 42 45 52 2E 20 20 D9 4F 55 20 44 4F 20 4E 4F 54 |BER. .OU DO NOT| 00000DA0: 20 48 41 56 45 20 54 4F 20 50 52 45 53 53 20 D2 | HAVE TO PRESS .| 00000DB0: C5 D4 D5 D2 CE 20 42 45 46 4F 52 45 20 54 48 45 |..... 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(| 00000EE0: 41 29 20 59 4F 55 52 20 4D 4F 4E 54 48 4C 59 20 |A) YOUR MONTHLY | 00000EF0: 50 41 59 4D 45 4E 54 0D 20 28 42 29 20 59 4F 55 |PAYMENT. (B) YOU| 00000F00: 52 20 4C 4F 41 4E 27 53 20 49 4E 54 45 52 45 53 |R LOAN'S INTERES| 00000F10: 54 20 52 41 54 45 0D 20 28 43 29 20 48 4F 57 20 |T RATE. 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GOOD NUM| 00001B20: 42 45 52 20 54 4F 20 45 4E 54 45 52 20 49 4E 54 |BER TO ENTER INT| 00001B30: 4F 20 54 48 45 20 22 CE 55 4D 42 45 52 20 4F 46 |O THE ".UMBER OF| 00001B40: 20 4D 4F 4E 54 48 53 22 20 46 49 45 4C 44 20 49 | MONTHS" FIELD I| 00001B50: 53 20 54 48 45 0D 45 53 54 49 4D 41 54 45 44 20 |S THE.ESTIMATED | 00001B60: 4E 55 4D 42 45 52 20 4F 46 20 4D 4F 4E 54 48 53 |NUMBER OF MONTHS| 00001B70: 20 59 4F 55 20 50 4C 41 4E 20 54 4F 20 4C 49 56 | YOU PLAN TO LIV| 00001B80: 45 20 49 4E 20 59 4F 55 52 20 43 55 52 52 45 4E |E IN YOUR CURREN| 00001B90: 54 20 48 4F 55 53 45 2E 20 20 C9 46 20 59 4F 55 |T HOUSE. .F YOU| 00001BA0: 0D 41 4E 54 49 43 49 50 41 54 45 20 4D 4F 56 49 |.ANTICIPATE MOVI| 00001BB0: 4E 47 20 41 4E 59 54 49 4D 45 20 53 4F 4F 4E 2C |NG ANYTIME SOON,| 00001BC0: 20 54 48 49 53 20 57 49 4C 4C 20 41 46 46 45 43 | THIS WILL AFFEC| 00001BD0: 54 20 59 4F 55 52 20 44 45 43 49 53 49 4F 4E 20 |T YOUR DECISION | 00001BE0: 54 4F 20 52 45 46 49 4E 41 4E 43 45 2E 0D 0D C2 |TO REFINANCE....| 00001BF0: CF D4 D4 CF CD 20 CC C9 CE C5 0D 2D 2D 2D 2D 2D |..... .....-----| 00001C00: 2D 2D 2D 2D 2D 2D 0D 0D 20 20 20 20 20 D2 45 46 |------.. .EF| 00001C10: 49 4E 41 4E 43 49 4E 47 20 49 53 20 4E 4F 54 20 |INANCING IS NOT | 00001C20: 53 4F 4D 45 54 48 49 4E 47 20 59 4F 55 20 57 41 |SOMETHING YOU WA| 00001C30: 4E 54 20 54 4F 20 44 4F 20 4F 4E 20 54 48 45 20 |NT TO DO ON THE | 00001C40: 53 50 55 52 20 4F 46 20 54 48 45 20 4D 4F 4D 45 |SPUR OF THE MOME| 00001C50: 4E 54 2E 20 0D D9 4F 55 52 20 4D 4F 52 54 47 41 |NT. ..OUR MORTGA| 00001C60: 47 45 20 43 4F 4D 50 41 4E 59 20 53 48 4F 55 4C |GE COMPANY SHOUL| 00001C70: 44 20 42 45 20 48 41 50 50 59 20 54 4F 20 57 4F |D BE HAPPY TO WO| 00001C80: 52 4B 20 57 49 54 48 20 59 4F 55 20 53 49 4E 43 |RK WITH YOU SINC| 00001C90: 45 20 54 48 45 59 20 57 49 4C 4C 20 42 45 0D 4D |E THEY WILL BE.M| 00001CA0: 41 4B 49 4E 47 20 4D 4F 4E 45 59 20 4F 4E 20 54 |AKING MONEY ON T| 00001CB0: 48 45 20 43 4C 4F 53 49 4E 47 20 43 4F 53 54 53 |HE CLOSING COSTS| 00001CC0: 2E 20 20 D4 48 45 52 45 27 53 20 4E 4F 54 48 49 |. .HERE'S NOTHI| 00001CD0: 4E 47 20 54 48 45 59 20 43 41 4E 20 44 4F 20 41 |NG THEY CAN DO A| 00001CE0: 42 4F 55 54 20 4C 4F 57 0D 49 4E 54 45 52 45 53 |BOUT LOW.INTERES| 00001CF0: 54 20 52 41 54 45 53 20 53 4F 20 54 48 45 59 20 |T RATES SO THEY | 00001D00: 57 49 4C 4C 20 50 52 4F 42 41 42 4C 59 20 57 41 |WILL PROBABLY WA| 00001D10: 4E 54 20 54 4F 20 4B 45 45 50 20 59 4F 55 52 20 |NT TO KEEP YOUR | 00001D20: 42 55 53 49 4E 45 53 53 20 45 56 45 4E 20 54 48 |BUSINESS EVEN TH| 00001D30: 4F 55 47 48 0D 59 4F 55 20 57 49 41 4C 20 42 41 |OUGH.YOU WIAL BA| 00001D40: 20 50 41 59 49 4E 47 20 54 48 45 4D 20 4C 45 53 | PAYING THEM LES| 00001D50: 53 20 49 4E 20 54 48 45 20 4C 4F 4E 47 20 52 55 |S IN THE LONG RU| 00001D60: 4E 2E 20 20 C1 53 4B 20 54 48 45 4D 20 46 4F 52 |N. .SK THEM FOR| 00001D70: 20 41 4E 59 20 46 49 47 55 52 45 53 20 59 4F 55 | ANY FIGURES YOU| 00001D80: 0D 4E 45 45 44 20 54 4F 20 50 4C 55 47 20 49 4E |.NEED TO PLUG IN| 00001D90: 20 54 48 49 53 20 50 52 4F 47 52 41 4D 2E 20 20 | THIS PROGRAM. | 00001DA0: D4 52 59 20 44 49 46 46 45 52 45 4E 54 20 53 43 |.RY DIFFERENT SC| 00001DB0: 45 4E 41 52 49 4F 53 20 54 48 45 4E 20 53 41 56 |ENARIOS THEN SAV| 00001DC0: 45 20 41 4E 44 20 50 52 49 4E 54 0D 54 48 45 4D |E AND PRINT.THEM| 00001DD0: 2E 20 20 D3 41 56 49 4E 47 20 54 48 4F 55 53 41 |. .AVING THOUSA| 00001DE0: 4E 44 53 20 4F 46 20 44 4F 4C 4C 41 52 53 20 49 |NDS OF DOLLARS I| 00001DF0: 4E 20 49 4E 54 45 52 45 53 54 20 49 53 20 4E 4F |N INTEREST IS NO| 00001E00: 54 48 49 4E 47 20 54 4F 20 53 4E 45 45 5A 45 20 |THING TO SNEEZE | 00001E10: 41 54 2E 0D 0D 20 20 20 20 20 C9 46 20 59 4F 55 |AT... .F YOU| 00001E20: 20 46 49 4E 44 20 54 48 41 54 20 4E 4F 57 20 49 | FIND THAT NOW I| 00001E30: 53 20 54 48 45 20 54 49 4D 45 20 46 4F 52 20 59 |S THE TIME FOR Y| 00001E40: 4F 55 20 54 4F 20 52 45 46 49 4E 41 4E 43 45 20 |OU TO REFINANCE | 00001E50: 59 4F 55 52 20 48 4F 55 53 45 2C 20 57 45 0D 57 |YOUR HOUSE, WE.W| 00001E60: 49 53 48 20 59 4F 55 20 54 48 45 20 42 45 53 54 |ISH YOU THE BEST| 00001E70: 2E 20 20 D7 45 20 48 4F 50 45 20 59 4F 55 20 53 |. .E HOPE YOU S| 00001E80: 41 56 45 20 45 4E 4F 55 47 48 20 54 4F 20 52 45 |AVE ENOUGH TO RE| 00001E90: 4E 45 57 20 59 4F 55 52 20 CC CF C1 C4 D3 D4 C1 |NEW YOUR .......| 00001EA0: D2 0D 53 55 42 53 43 52 49 50 54 49 4F 4E 20 41 |..SUBSCRIPTION A| 00001EB0: 4E 44 20 44 52 4F 50 20 55 53 20 41 20 48 41 50 |ND DROP US A HAP| 00001EC0: 50 59 20 4C 49 4E 45 2E 0D 0D C6 D4 0D 0D 20 20 |PY LINE....... | 00001ED0: 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 | | 00001EE0: 20 20 20 2A 2A 2A 2A 20 D2 20 2D 20 D2 55 4E 20 | **** . - .UN | 00001EF0: 20 20 20 D2 C5 D4 D5 D2 CE 20 2D 20 CD 45 4E 55 | ...... - .ENU| 00001F00: 20 2A 2A 2A 2A 20 20 20 20 20 20 20 20 20 20 20 | **** | 00001F10: 20 20 20 20 20 20 20 20 20 20 0D | . |
. H O M E R E
F I N A N C E R..
BY FENDER TUCKER... IF YOU B
OUGHT YOUR HOUSE DURING THE REAGAN REIGN
, YOU PROBABLY BOUGHT.IT AT A TWO-DIGIT
INTEREST RATE, MAYBE EVEN AS HIGH AS 13
PERCENT ON A.THIRTY-YEAR LOAN. AT THE T
IME IT SEEMED LIKE A GOOD IDEA, AND IT P
ROBABLY.WAS. OWNING ONE'S HOME IS THE A
MERICAN DREAM, RIGHT? BUT IF YOU ARE ST
ILL.PAYING THAT HIGH INTEREST RATE ON YO
UR MORTGAGE, YOU MAY BE MISSING A MAJOR.
BET. THESE DAYS THE GOING INTEREST RATE
ON THIRTY-YEAR LOANS IS AROUND 8 OR.9 P
ERCENT. IT MAY BE TIME FOR YOU TO CONSI
DER REFINANCING YOUR LOAN... HOME RE
FINANCER WILL HELP YOU MAKE THAT DECISIO
N. IT'S A "WHAT IF".TYPE OF PROGRAM. Y
OU ENTER THE DATA FOR YOUR PRESENT LOAN
AND THEN THE DATA.FOR A REFINANCED LOAN.
THE PROGRAM WILL DO ALL OF THE CALCULA
TIONS AND SHOW.YOU A SIDE-BY-SIDE COMPAR
ISON OF THE TWO LOANS. THE NEW LOAN WIL
L COST SOME.MONEY UP-FRONT, OF COURSE, B
UT THE PROGRAM TAKES THIS INTO CONSIDERA
TION AND.SHOWS YOU HOW MANY MONTHS IT WI
LL TAKE BEFORE YOU BREAK EVEN. IF YOU P
LAN.ON STAYING IN YOUR PRESENT HOME FOR
LONGER THAN THAT, YOU SHOULD CONSIDER.RE
FINANCING... FIRST, A DISCLAIMER. A
L VEKOVIUS, THE GRAND EXALTED MOJO OF SO
FTDISK,.WENT TO A SEMINAR ABOUT HOME REF
INANCING AND CAME BACK WITH A NIFTY.SPRE
ADSHEET PROGRAM THAT DOES EXACTLY WHAT H
OME REFINANCER DOES. FROM AL'S.SPECS, I
WROTE THIS PROGRAM. WHILE WE CANNOT BE
HELD RESPONSIBLE FOR YOUR.HOME FINANCIN
G DECISIONS, YOU CAN REST ASSURED THAT T
HIS PROGRAM WAS.DESIGNED BY A KNOWLEDGEA
BLE, TYPE-A, MONEY-CONSCIOUS KIND OF GUY
-- AL. IT.WAS CODED BY A GUY WHO NEVER
BUYS ANYTHING UNTIL HE CAN PAY FOR IT I
N CASH -.ME. I AM NOT A HOME OWNER TYPE
... THIS IS NOT A TUTORIAL ON MORTGA
GES. IT IS ASSUMED THAT YOU ARE PAYING.
ON YOUR HOME LOAN AND ARE REASONABLY FAM
ILIAR WITH HOW HOME FINANCING WORKS..INT
EREST RATES AND POINTS ARE TO BE ENTERED
AS DECIMAL NUMBERS. IF THE RATE.IS 8.4
%, ENTER 8.4, NOT .084. IF THE POINTS A
RE 3, ENTER 3, NOT .03....THE MAIN SCREE
N.---------------.. THE PROGRAM HOLD
S ALL OF THE INFORMATION ON ONE SCREEN.
I CHOSE A.COLOR-CODED SCHEME TO KEEP AL
L OF THE RELATED DATA TOGETHER. THERE I
S A.HELP SCREEN THAT EXPLAINS WHAT INFOR
MATION IS TO BE ENTERED INTO WHICH.COLOR
ED AREA. ALL TEN OF THE FIELDS THAT YOU
ARE TO ENTER DATA INTO ARE.BLACK. ALL
OTHER FIELDS ARE GREY, AND ARE CALCULATE
D FIELDS -- THE COMPUTER.WILL FILL IN TH
ESE FIELDS... THERE ARE FIVE OPTIONS
AT THE BOTTOM OF THE SCREEN: LOAD, SAVE
, PRINT,.HELP AND QUIT. THESE ARE ACCES
SED BY TYPING THE FIRST LETTER OF THE.CO
MMAND. WHEN YOU HAVE ALL OF THE INFORMA
TION ENTERED FOR A PARTICULAR.SCENARIO,
CHOOSE SAVE AND ALL OF THE DATA WILL BE
SAVED IN A FILENAME OF.YOUR CHOICE. WHE
N YOU CHOOSE LOAD, A DIRECTORY OF SAVED
FILES (PREFIXED BY."HR.") WILL BE SHOWN
ON THE SCREEN. MOVE THE HIGHLIGHT BAR T
O THE FILE YOU.WANT AND PRESS RETURN. T
HE DATA WILL BE LOADED ONTO THE MAIN SCR
EEN, WIPING.OUT ANY DATA THAT'S CURRENTL
Y SHOWING. MAKE SURE YOU SAVE ANY SCENA
RIO.THAT'S IMPORTANT BEFORE LOADING ANOT
HER... PRINT WILL SIMPLY PRINT THE S
CREEN. SINCE EVERY FIELD IS CLEARLY.LAB
ELED, THIS PRINTOUT IS THE MOST CONCISE
WAY TO SHOW ALL OF THE DETAILS OF.A PART
ICULAR SCENARIO. THE HELP SCREEN CAN AL
SO BE PRINTED...ENTERING DATA.----------
---.. THE BLACK FIELDS ARE THOSE THA
T YOU CAN ENTER DATA INTO. MOVE THE.WHI
TE HIGHLIGHT BAR TO THE FIELD YOU WANT T
O ENTER AND START TYPING THE.NUMBER. YO
U DO NOT HAVE TO PRESS RETURN BEFORE THE
NUMBER, JUST AFTER. THE.FIELDS WILL BE
FORMATTED FOR DOLLARS AND CENTS, PERCEN
TAGES (UP TO THREE.DECIMAL PLACES), AND
MONTHS (WHOLE NUMBERS)... EXISTING MORT
GAGE - RED.. WHERE DOES THE DATA CO
ME FROM? THE RED AREA COMES FROM YOUR M
ORTGAGE.PAYMENT BOOKLET. YOU NEED TO EN
TER:.. (A) YOUR MONTHLY PAYMENT. (B) YOU
R LOAN'S INTEREST RATE. (C) HOW MANY MON
THS ARE LEFT TO PAY...THE REMAINING PRIN
CIPAL IS THE AMOUNT DUE ON YOUR HOUSE, N
OT COUNTING THE.INTEREST YOU'LL PAY. AS
YOU'LL SEE, INTEREST FAR OUTWEIGHS THE
PRINCIPAL.WHEN YOU EXTEND A LOAN OUT OVE
R MANY YEARS... NEW MORTGAGE - CYAN..
THE REMAINING PRINCIPAL FROM THE RED
AREA IS PLACED IN THE "AMOUNT OF.LOAN"
FIELD IN THE CYAN AREA. THIS AREA IS TH
E DATA FOR A PROPOSED NEW.LOAN. YOU GET
THIS INFORMATION BY GUESSING, READING UP
ON CURRENT RATES, OR.BETTER YET, CALLIN
G A MORTGAGE COMPANY AND ASKING THEM WHA
T THE CURRENT.RATES ARE. ENTER THE NEW
RATE (WHICH SHOULD BE MUCH LOWER THAN TH
E RATE IN.THE RED AREA) AND THE NUMBER O
F MONTHS YOU WILL TAKE THE NEW LOAN FOR.
.. THE MAIN REASON FOR REFINANCING M
AY BE TO LOWER YOUR MONTHLY PAYMENT. .IN
THIS CASE, YOU CAN EXTEND THE LOAN FOR
THE FULL THIRTY YEARS AND SEE A.BIG REDU
CTION IN YOUR MONTHLY PAYMENT. BUT YOU
MAY WANT TO REFINANCE IN.ORDER TO PAY OF
F THE LOAN EARLIER. IN THIS CASE, YOUR
MONTHLY PAYMENT MAY.NOT GO DOWN -- IT MA
Y EVEN GO UP! -- BUT THE LOAN IS PAID OF
F MUCH MORE.QUICKLY. WHAT WILL GO DOWN
DRASTICALLY IS THE AMOUNT OF INTEREST YO
U PAY. .HOME REFINANCER WILL PROBABLY BE
A REAL SHOCKER TO YOU WHEN IT SHOWS JUS
T.HOW LITTLE OF YOUR MONEY IS GOING TOWA
RDS THE PRINCIPAL AND HOW MUCH IS.GOING
TOWARDS INTEREST... THE CYAN AREA IS
WHERE YOU WILL BE DOING MOST OF YOUR "W
HAT IF".ENTRIES. YOU MAY WANT TO BORROW
MORE (OR LESS) THAN THE EXACT AMOUNT NEE
DED.TO PAY OFF YOUR CURRENT LOAN. THE "
AMOUNT OF LOAN" FIELD IS FILLED IN WITH.
THE SAME AMOUNT AS THE "REMAINING PRINCI
PAL" FIELD IN THE RED AREA BY.DEFAULT, B
UT YOU CAN CHANGE IT IF YOU WANT TO BORR
OW MORE OR LESS THAN THE.DEFAULT... CL
OSING COSTS - PURPLE.. WHEN YOU DEAL
WITH LAWYERS OR MORTGAGE COMPANIES IT C
OSTS MONEY. .YOU'LL HAVE TO CHECK WITH O
NE OF THEM TO GET CLOSE TO ACTUAL AMOUNT
S TO.ENTER IN THE PURPLE AREA'S FIELDS.
"POINTS" ARE PERCENTAGE "FEES" CHARGED.
TO YOU BASED UPON THE AMOUNT OF THE LOAN
. IF YOU PAY POINTS, YOU OFTEN GET.A BE
TTER INTEREST RATE ON THE LOAN. "CLOSIN
G COSTS" ARE ESTIMATED FEES THAT.MUST BE
PAID TO REFINANCE. GET THIS INFORMATIO
N FROM YOUR MORTGAGE COMPANY.. ON AN AVE
RAGE HOUSE THE CLOSING COSTS CAN RUN ABO
UT 5% OF THE TOTAL PRICE... THE "OPP
ORTUNITY RATE" IS AN INTEREST RATE THAT
REPRESENTS THE RATE.YOU'LL HAVE TO PAY I
N ORDER TO OBTAIN THE MONEY TO COVER THE
CLOSING COSTS. .IF YOU TAKE THE MONEY F
ROM A SAVINGS ACCOUNT OR SOME INTEREST-B
EARING.ACCOUNT, THEN THE OPPORTUNITY RAT
E IS THE RATE YOU ARE GETTING ON YOUR.IN
VESTMENT IN THIS ACCOUNT... REFINANCIN
G SUMMARY - GREEN.. THIS AREA IS WHE
RE YOU CAN SEE THE TWO LOANS COMPARED SI
DE-BY-SIDE. .THE MAIN POINTS OF INTEREST
ARE THE AMOUNTS THAT GO TOWARDS INTERES
T AND THE.REDUCTION IN YOUR MONTHLY PAYM
ENT. THE "MONTHS TO BREAKEVEN" SHOWS HO
W LONG.IT WILL TAKE TO RECOVER THE COSTS
OF REFINANCING (CLOSING COSTS + POINTS)
AT.THE RATE YOU ENTERED IN THE OPPORTUN
ITY RATE FIELD... LOAN COMPARISON - BL
UE.. THIS AREA SHOWS YOU WHAT THE TW
O SITUATIONS WOULD LOOK LIKE X MONTHS IN
.THE FUTURE. A GOOD NUMBER TO ENTER INT
O THE "NUMBER OF MONTHS" FIELD IS THE.ES
TIMATED NUMBER OF MONTHS YOU PLAN TO LIV
E IN YOUR CURRENT HOUSE. IF YOU.ANTICIP
ATE MOVING ANYTIME SOON, THIS WILL AFFEC
T YOUR DECISION TO REFINANCE...BOTTOM LI
NE.-----------.. REFINANCING IS NOT
SOMETHING YOU WANT TO DO ON THE SPUR OF
THE MOMENT. .YOUR MORTGAGE COMPANY SHOUL
D BE HAPPY TO WORK WITH YOU SINCE THEY W
ILL BE.MAKING MONEY ON THE CLOSING COSTS
. THERE'S NOTHING THEY CAN DO ABOUT LOW
.INTEREST RATES SO THEY WILL PROBABLY WA
NT TO KEEP YOUR BUSINESS EVEN THOUGH.YOU
WIAL BA PAYING THEM LESS IN THE LONG RU
N. ASK THEM FOR ANY FIGURES YOU.NEED TO
PLUG IN THIS PROGRAM. TRY DIFFERENT SC
ENARIOS THEN SAVE AND PRINT.THEM. SAVIN
G THOUSANDS OF DOLLARS IN INTEREST IS NO
THING TO SNEEZE AT... IF YOU FIND TH
AT NOW IS THE TIME FOR YOU TO REFINANCE
YOUR HOUSE, WE.WISH YOU THE BEST. WE HO
PE YOU SAVE ENOUGH TO RENEW YOUR LOADSTA
R.SUBSCRIPTION AND DROP US A HAPPY LINE.
..FT.. **** R - RUN
RETURN - MENU ****
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