= = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = MONITOR MATRIX AND RAPID DEBT-ELIMINATION ROUTINES = = = = = = = = = = = = for = = = = = = = = = = = = ZERO-DEBT FINANCIAL ANALYSIS = = = = = = = = = = = = = = = = Copyright (C) 2017 by J.E. Glover, Ph.D. = = = = All Rights Reserved = = = = = = = = = = = = = = = = ( ABSTRACTS ) = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = ====================================================================== ABSTRACTS OF * * * MONITOR MATRIX AND RAPID DEBT ELIMINATION PROGRAMS * * * ====================================================================== -- TSTAR -- * * * Trace Version of ZSTAR * * * TSTAR reads and analyzes a sequence of accounts, with corresponding balances owed and monthly or periodic payments required, and computes corresponding ratios to determine the priority in which each account is to be paid off in full, using rapid debt elimination techniques. The analyst is prompted at the terminal for a desired ACCELERATOR MARGIN, from which only the trace of the MONITOR MATRIX of ZSTAR is generated, without re-arranging the initial input sequence of accounts. The exact number of years and months required to completely pay off all accounts is also computed. (The file tstar.inp, provided by the analyst, contains the input data for the analyzed sequence of accounts, with corresponding current balances owed, as well as current monthly installments required). ====================================================================== -- USTAR -- * * * Variant of VSTAR * * * USTAR reads and analyzes a sequence of accounts, with corresponding balances owed and monthly or periodic payments required, and computes pay-off times. The analyst is prompted at the terminal for desired initial and final ACCELERATOR MARGINS and a desired increment between ACCELERATOR MARGINS to generate a sequence of ACCELERATOR MARGINS. Each ACCELERATOR MARGIN in the sequence is used to determine the number of years and months required to pay off all accounts in the given sequence, without re-arranging the initial input sequence of accounts. The analyst is prompted at the terminal for all input values for the sequence of accounts, with corresponding current balances owed, as well as current monthly installments required). ====================================================================== -- VSTAR -- * * * Variant of USTAR * * * VSTAR reads and analyzes a sequence of accounts, with corresponding balances owed and monthly or periodic payments required, and computes pay-off times. The analyst is prompted at the terminal for desired initial and final ACCELERATOR MARGINS and a desired increment between ACCELERATOR MARGINS or an arbitrary sequence of ACCELERATOR MARGINS. Each ACCELERATOR MARGIN in the sequence is used to determine the number of years and months required to pay off all accounts in the given sequence, without re-arranging the initial input sequence of accounts. The file vstar.inp, provided by the analyst, contains the input data for the sequence of accounts, with corresponding current balances owed, as well as current monthly installments required). ====================================================================== -- WSTAR -- * * * Variant of ZSTAR * * * WSTAR reads and analyzes a sequence of accounts, with corresponding balances owed and monthly or periodic payments required, and computes corresponding ratios to determine the priority in which each account is to be paid off in full, using rapid debt elimination techniques. The analyst is prompted at the terminal for a desired ACCELERATOR MARGIN, from which a MONITOR MATRIX is generated for rapid debt elimination, without re-arranging the initial input sequence of accounts. The exact number of years and months required to completely pay off all accounts is also computed. (The analyst is also prompted at the terminal for input data relating to the sequence of accounts, with corresponding current balances owed, annual percentage rates of interest, and current monthly installments required). ====================================================================== -- XSTAR -- XSTAR reads and analyzes a sequence of accounts, with corresponding balances owed and monthly or periodic payments required, computes corresponding ratios of total balance owed to total monthly payments, and arranges each sequence in ascending order of computed ratios and descending order of APR (annual percentage rates) of interest per account to determine and compare priorities in which each account is to be paid off in full, using rapid debt elimination techniques. During this process, an ACCELEARTOR MARGIN, as well as a strategic MONITOR MATRIX are generated for rapid debt elimination in the minimum amount of time. (The file xstar.inp, provided by the analyst, contains the input data for the sequence of accounts, with corresponding current balances owed, as well as current monthly installments required). ====================================================================== -- YSTAR -- YSTAR reads and analyzes a sequence of accounts, with corresponding balances owed and monthly or periodic payments required, computes corresponding ratios of total balance owed to total monthly payments, and arranges each sequence in ascending order of computed ratios and descending order of APR (annual percentage rates) of interest per account to determine and compare priorities in which each account is to be paid off in full, using rapid debt elimination techniques. During this process, an ACCELERATOR MARGIN, as well as a strategic MONITOR MATRIX are generated for rapid debt elimination in the minimum amount of time. (Instead of providing a fixed input file, the analyst is prompted at the computer terminal for input of accounts, with corresponding balances owed and current monthly installments required). ====================================================================== ====================================================================== -- ZSTAR -- ZSTAR reads and analyzes a sequence of accounts, with corresponding balances owed and monthly or periodic payments required, and computes corresponding ratios to determine the priority in which each account is to be paid off in full, using rapid debt elimination techniques. The analyst is prompted at the terminal for a desired ACCELERATOR MARGIN, from which a MONITOR MATRIX is generated for rapid debt elimination, without re-arranging the initial input sequence of accounts. The exact number of years and months required to completely pay off all accounts is also computed. (The file zstar.inp, provided by the analyst, contains the input data for the sequence of accounts, with corresponding current balances owed, as well as current monthly installments required). ====================================================================== -- (RDES) RAPID DEBT ELIMINATION STRATEGY -- RDES analyzes the parameters of a given loan, generates comparative amortization tables, based upon the initial repayment amount and an incremental repayment, gives strategic advice for retiring the debt in a fraction of the initially required time, customized to the specific personal requirements of each client, and shows how to achieve a zero-net-cost debt transaction. ======================================================================