http://www.profitsharing.org/taxonomy/term/8/0 en http://www.profitsharing.org/node/36 <!-- google_ad_section_start --> <p>The market has officially gone into oversold mode, but it would look like the correction could last a bit longer. Markets can remain overbought and oversold for long periods. </p> <p>One thing is for sure. Normal market volatility has returned, and the complacency of the last eight months is gone, and we can expect more wild swings as the market continues to correct in the real estate and mortgage markets. </p> <p>The original guess was a 10% correction, which was actually needed by the market in order to clear the mechanism and allow the market to move forward.</p> <p>At first blush the market may well move back to 1340 on the S&amp;P 500 to 11,510 on the Dow. Those would be normal bounce points, but this may not be a normal correction, based on the triggers. Since many assets are now re-pricing based on risk factors, we may not stop there. Those levels would be 50% retracements of the current rally.</p> <!-- google_ad_section_end --> <p><a href="http://www.profitsharing.org/node/36">read more</a></p> http://www.profitsharing.org/node/36#comment maximizing your funds Thu, 08 Mar 2007 08:52:48 -0600 rgbaird 36 at http://www.profitsharing.org http://www.profitsharing.org/node/34 <!-- google_ad_section_start --> <br /> <script language = "JavaScript"> <!-- hide script function Start(page) { OpenWin = this.open(page, "CtrlWindow", "toolbar=no,menubar=no,location=no,scrollbars=yes,resizable=yes,width=640,height=350,titlebar=no"); } //********************************************************************************* //** ** //** Script written by sironix.com, altered by profitsharing.org ** //** ** //** July 13, 2001 ** //** ** //********************************************************************************* var a1, a2, a3, a4, a5, a6, a7, a8, a9, a10, a11, a12, a13, a14 var t1, t2, t3, t4, t5, t6, t7, t8, t9, t10, t11, t12, t13 var gain, roi, rate, longamt function currency(anynum) { //returns number as string in $xxx,xxx.xx format. anynum = "" + eval(anynum) //evaluate (in case an expression sent) intnum = parseInt(anynum,10) //isolate integer portion intnum = Math.abs(intnum) intstr = ""+intnum //add comma in thousands place. if (intnum >= 1000) { intlen = intstr.length temp1=parseInt(""+(intnum/1000),10) temp2=intstr.substring(intlen-3,intlen) intstr = temp1+","+temp2 } if (intnum >= 1000000) { intlen = intstr.length temp1=parseInt(""+(intnum/1000000),10) temp2=intstr.substring(intlen-7,intlen) intstr = temp1+","+temp2 } decnum = Math.abs(parseFloat(anynum)-parseInt(anynum,10)) //isolate decimal portion decnum = decnum * 100 // multiply decimal portion by 100. decwhl = Math.abs(Math.round(decnum)) //if (decwhl < 10) {decstr = "0" + decwhl} else {decstr = "" + decwhl} decstr = "" + decwhl while (decstr.length < 2) {decstr += "0"} retval = intstr + "." + decstr if (anynum < 0) { retval="("+retval+")" } return "$"+retval } function fixed(anynum) { //returns number as string in xxx,xxx.x format. anynum = "" + eval(anynum) //evaluate (in case an expression sent) anynum = Math.round(10 * anynum) / 10 intnum = parseInt(anynum,10) //isolate integer portion intnum = Math.abs(intnum) intstr = ""+intnum //add comma in thousands place. if (intnum >= 1000) { intlen = intstr.length temp1=parseInt(""+(intnum/1000),10) temp2=intstr.substring(intlen-3,intlen) intstr = temp1+","+temp2 } if (intnum >= 1000000) { intlen = intstr.length temp1=parseInt(""+(intnum/1000000),10) temp2=intstr.substring(intlen-7,intlen) intstr = temp1+","+temp2 } decnum = Math.abs(parseFloat(anynum)-parseInt(anynum,10)) //isolate decimal portion decnum = decnum * 10 // multiply decimal portion by 10. decwhl = Math.abs(Math.round(decnum)) //if (decwhl < 10) {decstr = "0" + decwhl} else {decstr = "" + decwhl} decstr = "" + decwhl while (decstr.length < 1) {decstr += "0"} if (anynum < 0) { intstr = "-"+intstr} return ""+intstr + "."+decstr } function displaymsg(msg) { document.calc.msg.value = msg; document.calc.gain.value = ""; document.calc.roi.value = ""; document.calc.rate.value = ""; } function dateobj(anystring) { baddate = new Date() if (anystring.length <= 0) {baddate.setTime(0);return baddate;} else {month = parseInt(anystring,10);} //find the first slash in anystring pos = 0 for (var i=0; i <= anystring.length-1; i++) { if (anystring.charAt(i) == "/") {pos = i;break;} } if (pos <= 0) {baddate.setTime(0);return baddate;} dstring = anystring.substring(pos + 1,anystring.length) if (dstring.length <= 0) {baddate.setTime(0);return baddate;} else {day = parseInt(dstring,10)} //find the second slash in anystring pos = 0 for (var i=0; i <= dstring.length-1; i++) { if (dstring.charAt(i) == "/") {pos = i;break;} } if (pos <= 0) {baddate.setTime(0);return baddate;} ystring = dstring.substring(pos + 1,dstring.length) if (ystring.length <= 0) {baddate.setTime(0);return baddate;} else {year = parseInt(ystring,10)} if (year < 70) {year += 2000} else {year += 1900} if ((month <= 0) || (day <= 0) || (month > 12) || (day > 31) || (year < 0)) {baddate.setTime(0);return baddate;} if (((month == 4) || (month == 6) || (month == 9) || (month == 11)) && (day > 30)) {baddate.setTime(0);return baddate;} rem4 = year % 4 if ((month == 2) && (rem4 != 0) && (day > 28)) {baddate.setTime(0);return baddate;} if ((month == 2) && (rem4 == 0) && (day > 29)) {baddate.setTime(0);return baddate;} outdate = new Date(year,month - 1,day) return outdate } function calcterm(date1, date2) { //returns the term in years between 2 dates millisecs = date2.getTime() - date1.getTime(); return (millisecs/(1000*60*60*24*365)) } function calculate() { gain = 0; roi = 0; rate = 0; longamt = 0; a1 = 0; a2 = 0; a3 = 0; a4 = 0; a5 = 0; a6 = 0; a7 = 0; a8 = 0; a9 = 0; a10 = 0; a11 = 0; a12 = 0; a13 = 0; a14 = 0; t1 = 0; t2 = 0; t3 = 0; t4 = 0; t5 = 0; t6 = 0; t7 = 0; t8 = 0; t9 = 0; t10 = 0; t11 = 0; t12 = 0; t13 = 0; document.calc.msg.value = "Validating..." d1 = new Date(); d2 = new Date(); d3 = new Date(); d4 = new Date(); d5 = new Date(); d6 = new Date(); d7 = new Date(); d8 = new Date(); d9 = new Date(); d10 = new Date(); d11 = new Date(); d12 = new Date(); d13 = new Date(); d14 = new Date(); // get dates if (document.calc.datestart.value == "") {d1.setTime(0)} else {d1 = dateobj(document.calc.datestart.value);} if (document.calc.date1.value == "") {d2.setTime(0)} else {d2 = dateobj(document.calc.date1.value);} if (document.calc.date2.value == "") {d3.setTime(0)} else {d3 = dateobj(document.calc.date2.value);} if (document.calc.date3.value == "") {d4.setTime(0)} else {d4 = dateobj(document.calc.date3.value);} if (document.calc.date4.value == "") {d5.setTime(0)} else {d5 = dateobj(document.calc.date4.value);} if (document.calc.date5.value == "") {d6.setTime(0)} else {d6 = dateobj(document.calc.date5.value);} if (document.calc.date6.value == "") {d7.setTime(0)} else {d7 = dateobj(document.calc.date6.value);} if (document.calc.date7.value == "") {d8.setTime(0)} else {d8 = dateobj(document.calc.date7.value);} if (document.calc.date8.value == "") {d9.setTime(0)} else {d9 = dateobj(document.calc.date8.value);} if (document.calc.date9.value == "") {d10.setTime(0)} else {d10 = dateobj(document.calc.date9.value);} if (document.calc.date10.value == "") {d11.setTime(0)} else {d11 = dateobj(document.calc.date10.value);} if (document.calc.date11.value == "") {d12.setTime(0)} else {d12 = dateobj(document.calc.date11.value);} if (document.calc.date12.value == "") {d13.setTime(0)} else {d13 = dateobj(document.calc.date12.value);} if (document.calc.dateend.value == "") {displaymsg("Please enter an end date");return;} if (document.calc.dateend.value == "") {d14.setTime(0)} else {d14 = dateobj(document.calc.dateend.value);} if ((d1.getTime() == 0) && (document.calc.datestart.value != "")) {displaymsg("The start date is invalid");return;} if ((d2.getTime() == 0) && (document.calc.date1.value != "")) {displaymsg("The first transaction date is invalid");return;} if ((d3.getTime() == 0) && (document.calc.date2.value != "")) {displaymsg("The second transaction date is invalid");return;} if ((d4.getTime() == 0) && (document.calc.date3.value != "")) {displaymsg("The third transaction date is invalid");return;} if ((d5.getTime() == 0) && (document.calc.date4.value != "")) {displaymsg("The fourth transaction date is invalid");return;} if ((d6.getTime() == 0) && (document.calc.date5.value != "")) {displaymsg("The fifth transaction date is invalid");return;} if ((d7.getTime() == 0) && (document.calc.date6.value != "")) {displaymsg("The sixth transaction date is invalid");return;} if ((d8.getTime() == 0) && (document.calc.date7.value != "")) {displaymsg("The seventh transaction date is invalid");return;} if ((d9.getTime() == 0) && (document.calc.date8.value != "")) {displaymsg("The eigth transaction date is invalid");return;} if ((d10.getTime() == 0) && (document.calc.date9.value != "")) {displaymsg("The ninth transaction date is invalid");return;} if ((d11.getTime() == 0) && (document.calc.date10.value != "")) {displaymsg("The tenth transaction date is invalid");return;} if ((d12.getTime() == 0) && (document.calc.date11.value != "")) {displaymsg("The eleventh transaction date is invalid");return;} if ((d13.getTime() == 0) && (document.calc.date12.value != "")) {displaymsg("The twelveth transaction date is invalid");return;} if (d14.getTime() == 0) {displaymsg("The end date is invalid");return;} // calc terms if (d1.getTime() == 0) {t1 = 0} else {t1 = calcterm(d1,d14);} if (t1 < 0) {displaymsg("Start date must be earlier than end date");return;} if (d2.getTime() == 0) {t2 = 0} else {t2 = calcterm(d2,d14);} if (t2 < 0) {displaymsg("Transaction date (1st) must be earlier than end date");return;} if (d3.getTime() == 0) {t3 = 0} else {t3 = calcterm(d3,d14);} if (t3 < 0) {displaymsg("Transaction date (2nd) must be earlier than end date");return;} if (d4.getTime() == 0) {t4 = 0} else {t4 = calcterm(d4,d14);} if (t4 < 0) {displaymsg("Transaction date (3rd) must be earlier than end date");return;} if (d5.getTime() == 0) {t5 = 0} else {t5 = calcterm(d5,d14);} if (t5 < 0) {displaymsg("Transaction date (4th) must be earlier than end date");return;} if (d6.getTime() == 0) {t6 = 0} else {t6 = calcterm(d6,d14);} if (t6 < 0) {displaymsg("Transaction date (5th) must be earlier than end date");return;} if (d7.getTime() == 0) {t7 = 0} else {t7 = calcterm(d7,d14);} if (t7 < 0) {displaymsg("Transaction date (6th) must be earlier than end date");return;} if (d8.getTime() == 0) {t8 = 0} else {t8 = calcterm(d8,d14);} if (t8 < 0) {displaymsg("Transaction date (7th) must be earlier than end date");return;} if (d9.getTime() == 0) {t9 = 0} else {t9 = calcterm(d9,d14);} if (t9 < 0) {displaymsg("Transaction date (8th) must be earlier than end date");return;} if (d10.getTime() == 0) {t10 = 0} else {t10 = calcterm(d10,d14);} if (t10 < 0) {displaymsg("Transaction date (9th) must be earlier than end date");return;} if (d11.getTime() == 0) {t11 = 0} else {t11 = calcterm(d11,d14);} if (t11 < 0) {displaymsg("Transaction date (10th) must be earlier than end date");return;} if (d12.getTime() == 0) {t12 = 0} else {t12 = calcterm(d12,d14);} if (t12 < 0) {displaymsg("Transaction date (11th) must be earlier than end date");return;} if (d13.getTime() == 0) {t13 = 0} else {t13 = calcterm(d13,d14);} if (t13 < 0) {displaymsg("Transaction date (12th) must be earlier than end date");return;} if ((t1 > 0) && (t2 > 0) && (t1 < t2)) {displaymsg("Start date must be earlier than transaction date (1st)");return;} if ((t1 > 0) && (t3 > 0) && (t1 < t3)) {displaymsg("Start date must be earlier than transaction date (2nd)");return;} if ((t1 > 0) && (t4 > 0) && (t1 < t4)) {displaymsg("Start date must be earlier than transaction date (3rd)");return;} if ((t1 > 0) && (t5 > 0) && (t1 < t5)) {displaymsg("Start date must be earlier than transaction date (4th)");return;} if ((t1 > 0) && (t6 > 0) && (t1 < t6)) {displaymsg("Start date must be earlier than transaction date (5th)");return;} if ((t1 > 0) && (t7 > 0) && (t1 < t7)) {displaymsg("Start date must be earlier than transaction date (6th)");return;} if ((t1 > 0) && (t8 > 0) && (t1 < t8)) {displaymsg("Start date must be earlier than transaction date (7th)");return;} if ((t1 > 0) && (t9 > 0) && (t1 < t9)) {displaymsg("Start date must be earlier than transaction date (8th)");return;} if ((t1 > 0) && (t10 > 0) && (t1 < t10)) {displaymsg("Start date must be earlier than transaction date (9th)");return;} if ((t1 > 0) && (t11 > 0) && (t1 < t11)) {displaymsg("Start date must be earlier than transaction date (10th)");return;} if ((t1 > 0) && (t12 > 0) && (t1 < t12)) {displaymsg("Start date must be earlier than transaction date (11th)");return;} if ((t1 > 0) && (t13 > 0) && (t1 < t13)) {displaymsg("Start date must be earlier than transaction date (12th)");return;} // get amounts a1 = parseFloat(document.calc.amountstart.value); if (isNaN(a1)) {a1 = 0;} if (a1 < 0) {displaymsg("Start amount may not be negative");return;} a2 = parseFloat(document.calc.amount1.value); if (isNaN(a2)) {a2 = 0;} if (a2 < 0) {displaymsg("Transaction amount (1st) may not be negative");return;} a3 = parseFloat(document.calc.amount2.value); if (isNaN(a3)) {a3 = 0;} if (a3 < 0) {displaymsg("Transaction amount (2nd) may not be negative");return;} a4 = parseFloat(document.calc.amount3.value); if (isNaN(a4)) {a4 = 0;} if (a4 < 0) {displaymsg("Transaction amount (3rd) may not be negative");return;} a5 = parseFloat(document.calc.amount4.value); if (isNaN(a5)) {a5 = 0;} if (a5 < 0) {displaymsg("Transaction amount (4th) may not be negative");return;} a6 = parseFloat(document.calc.amount5.value); if (isNaN(a6)) {a6 = 0;} if (a6 < 0) {displaymsg("Transaction amount (5th) may not be negative");return;} a7 = parseFloat(document.calc.amount6.value); if (isNaN(a7)) {a7 = 0;} if (a7 < 0) {displaymsg("Transaction amount (6th) may not be negative");return;} a8 = parseFloat(document.calc.amount7.value); if (isNaN(a8)) {a8 = 0;} if (a8 < 0) {displaymsg("Transaction amount (7th) may not be negative");return;} a9 = parseFloat(document.calc.amount8.value); if (isNaN(a9)) {a9 = 0;} if (a9 < 0) {displaymsg("Transaction amount (8th) may not be negative");return;} a10 = parseFloat(document.calc.amount9.value); if (isNaN(a10)) {a10 = 0;} if (a10 < 0) {displaymsg("Transaction amount (9th) may not be negative");return;} a11 = parseFloat(document.calc.amount10.value); if (isNaN(a11)) {a11 = 0;} if (a11 < 0) {displaymsg("Transaction amount (10th) may not be negative");return;} a12 = parseFloat(document.calc.amount11.value); if (isNaN(a12)) {a12 = 0;} if (a12 < 0) {displaymsg("Transaction amount (11th) may not be negative");return;} a13 = parseFloat(document.calc.amount12.value); if (isNaN(a13)) {a13 = 0;} if (a13 < 0) {displaymsg("Transaction amount (12th) may not be negative");return;} a14 = parseFloat(document.calc.amountend.value); if (isNaN(a14)) {a14 = 0;} if (a14 < 0) {displaymsg("End amount may not be negative");return;} //if (a1 > 0) {document.calc.amountstart.value = currency(a1)} //if (a2 > 0) {document.calc.amount1.value = currency(a2)} //if (a3 > 0) {document.calc.amount2.value = currency(a3)} //if (a4 > 0) {document.calc.amount3.value = currency(a4)} //if (a5 > 0) {document.calc.amountend.value = currency(a5)} if ((t1 == 0) && (a1 != 0)) {displaymsg("Start date must be entered as well as amount");return;} if ((t2 == 0) && (a2 != 0)) {displaymsg("Transaction date (1st) must be entered as well as amount");return;} if ((t3 == 0) && (a3 != 0)) {displaymsg("Transaction date (2nd) must be entered as well as amount");return;} if ((t4 == 0) && (a4 != 0)) {displaymsg("Transaction date (3rd) must be entered as well as amount");return;} if ((t5 == 0) && (a5 != 0)) {displaymsg("Transaction date (4th) must be entered as well as amount");return;} if ((t6 == 0) && (a6 != 0)) {displaymsg("Transaction date (5th) must be entered as well as amount");return;} if ((t7 == 0) && (a7 != 0)) {displaymsg("Transaction date (6th) must be entered as well as amount");return;} if ((t8 == 0) && (a8 != 0)) {displaymsg("Transaction date (7th) must be entered as well as amount");return;} if ((t9 == 0) && (a9 != 0)) {displaymsg("Transaction date (8th) must be entered as well as amount");return;} if ((t10 == 0) && (a10 != 0)) {displaymsg("Transaction date (9th) must be entered as well as amount");return;} if ((t11 == 0) && (a11 != 0)) {displaymsg("Transaction date (10th) must be entered as well as amount");return;} if ((t12 == 0) && (a12 != 0)) {displaymsg("Transaction date (11th) must be entered as well as amount");return;} if ((t13 == 0) && (a13 != 0)) {displaymsg("Transaction date (12th) must be entered as well as amount");return;} // default the transactions to buys if ((!document.calc.buysell1[0].checked) && (!document.calc.buysell1[1].checked) && (a2 != 0)) document.calc.buysell1[0].checked = true; if ((!document.calc.buysell2[0].checked) && (!document.calc.buysell2[1].checked) && (a3 != 0)) document.calc.buysell2[0].checked = true; if ((!document.calc.buysell3[0].checked) && (!document.calc.buysell3[1].checked) && (a4 != 0)) document.calc.buysell3[0].checked = true; if ((!document.calc.buysell4[0].checked) && (!document.calc.buysell4[1].checked) && (a5 != 0)) document.calc.buysell4[0].checked = true; if ((!document.calc.buysell5[0].checked) && (!document.calc.buysell5[1].checked) && (a6 != 0)) document.calc.buysell5[0].checked = true; if ((!document.calc.buysell6[0].checked) && (!document.calc.buysell6[1].checked) && (a7 != 0)) document.calc.buysell6[0].checked = true; if ((!document.calc.buysell7[0].checked) && (!document.calc.buysell7[1].checked) && (a8 != 0)) document.calc.buysell7[0].checked = true; if ((!document.calc.buysell8[0].checked) && (!document.calc.buysell8[1].checked) && (a9 != 0)) document.calc.buysell8[0].checked = true; if ((!document.calc.buysell9[0].checked) && (!document.calc.buysell9[1].checked) && (a10 != 0)) document.calc.buysell9[0].checked = true; if ((!document.calc.buysell10[0].checked) && (!document.calc.buysell10[1].checked) && (a11 != 0)) document.calc.buysell10[0].checked = true; if ((!document.calc.buysell11[0].checked) && (!document.calc.buysell11[1].checked) && (a12 != 0)) document.calc.buysell11[0].checked = true; if ((!document.calc.buysell12[0].checked) && (!document.calc.buysell12[1].checked) && (a13 != 0)) document.calc.buysell12[0].checked = true; // switch amounts for sells if (document.calc.buysell1[1].checked == true) a2 = 0 - a2; if (document.calc.buysell2[1].checked == true) a3 = 0 - a3; if (document.calc.buysell3[1].checked == true) a4 = 0 - a4; if (document.calc.buysell4[1].checked == true) a5 = 0 - a5; if (document.calc.buysell5[1].checked == true) a6 = 0 - a6; if (document.calc.buysell6[1].checked == true) a7 = 0 - a7; if (document.calc.buysell7[1].checked == true) a8 = 0 - a8; if (document.calc.buysell8[1].checked == true) a9 = 0 - a9; if (document.calc.buysell9[1].checked == true) a10 = 0 - a10; if (document.calc.buysell10[1].checked == true) a11 = 0 - a11; if (document.calc.buysell11[1].checked == true) a12 = 0 - a12; if (document.calc.buysell12[1].checked == true) a13 = 0 - a13; document.calc.msg.value = "Looking good so far..." // calculate dollar gain gain = a14 - a2 - a3 - a4 - a5 - a6 - a7 - a8 - a9 - a10 - a11 - a12 - a13 - a1; // calculate roi if (a1 > 0) longamt+=a1; if (a2 > 0) longamt+=a2; if (a3 > 0) longamt+=a3; if (a4 > 0) longamt+=a4; if (a5 > 0) longamt+=a5; if (a6 > 0) longamt+=a6; if (a7 > 0) longamt+=a7; if (a8 > 0) longamt+=a8; if (a9 > 0) longamt+=a9; if (a10 > 0) longamt+=a10; if (a11 > 0) longamt+=a11; if (a12 > 0) longamt+=a12; if (a13 > 0) longamt+=a13; if (longamt <= 0) { document.calc.gain.value = currency(gain) document.calc.roi.value = "Error" document.calc.rate.value = "Error" document.calc.msg.value = "No positive transactions" return; } roi = 100 * gain / longamt; //format results document.calc.gain.value = currency(gain) document.calc.roi.value = fixed(roi) + "%" //document.calc.gain.value = gain //document.calc.roi.value = roi + "%" // solve for rate pass_count = 0; pct_tolerance = .0000001; abs_tolerance = .1; max_passes = 32; close_enough = 0; try_rate = .05; guess = .05; while (1) { pass_count++; accum_val = 0; accum_deriv = 0; accum_val += a1 * Math.pow(1.0 + try_rate, t1); accum_val += a2 * Math.pow(1.0 + try_rate, t2); accum_val += a3 * Math.pow(1.0 + try_rate, t3); accum_val += a4 * Math.pow(1.0 + try_rate, t4); accum_val += a5 * Math.pow(1.0 + try_rate, t5); accum_val += a6 * Math.pow(1.0 + try_rate, t6); accum_val += a7 * Math.pow(1.0 + try_rate, t7); accum_val += a8 * Math.pow(1.0 + try_rate, t8); accum_val += a9 * Math.pow(1.0 + try_rate, t9); accum_val += a10 * Math.pow(1.0 + try_rate, t10); accum_val += a11 * Math.pow(1.0 + try_rate, t11); accum_val += a12 * Math.pow(1.0 + try_rate, t12); accum_val += a13 * Math.pow(1.0 + try_rate, t13); accum_deriv += a1 * t1 * Math.pow(1.0 + try_rate, t1 - 1) / 100.0; accum_deriv += a2 * t2 * Math.pow(1.0 + try_rate, t2 - 1) / 100.0; accum_deriv += a3 * t3 * Math.pow(1.0 + try_rate, t3 - 1) / 100.0; accum_deriv += a4 * t4 * Math.pow(1.0 + try_rate, t4 - 1) / 100.0; accum_deriv += a5 * t5 * Math.pow(1.0 + try_rate, t5 - 1) / 100.0; accum_deriv += a6 * t6 * Math.pow(1.0 + try_rate, t6 - 1) / 100.0; accum_deriv += a7 * t7 * Math.pow(1.0 + try_rate, t7 - 1) / 100.0; accum_deriv += a8 * t8 * Math.pow(1.0 + try_rate, t8 - 1) / 100.0; accum_deriv += a9 * t9 * Math.pow(1.0 + try_rate, t9 - 1) / 100.0; accum_deriv += a10 * t10 * Math.pow(1.0 + try_rate, t10 - 1) / 100.0; accum_deriv += a11 * t11 * Math.pow(1.0 + try_rate, t11 - 1) / 100.0; accum_deriv += a12 * t12 * Math.pow(1.0 + try_rate, t12 - 1) / 100.0; accum_deriv += a13 * t13 * Math.pow(1.0 + try_rate, t13 - 1) / 100.0; document.calc.msg.value = try_rate off_by = a14 - accum_val; if (a14 > 0) { pct_off_by = Math.abs(accum_val - a14) / a14; if (pct_off_by <= pct_tolerance) {close_enough = 1;break;} } else { if (Math.abs(off_by) <= abs_tolerance) {close_enough = 1;break;} } if (pass_count >= max_passes) {break;} if (accum_deriv > 0) { try_delta = (off_by / accum_deriv) / 100.0; if (try_delta > -1) { try_rate = try_rate + try_delta; } else { try_rate = try_rate + try_delta; if (try_rate < 0){ try_rate = try_rate - try_delta; if (try_rate <= -.99) {try_rate = -1.0;close_enough = 1;break;} else {try_rate = -.99;} } } } else { if (try_rate <= 0) {try_rate = guess;} else {try_rate = 2 * try_rate;} } } // trace code //document.calc.amount1.value = pass_count //document.calc.amount2.value = accum_val //document.calc.amount3.value = try_rate if (close_enough) { if (try_rate <= -.99) {try_rate = -1.0;} try_rate *= 100.0 document.calc.rate.value = fixed(try_rate) + "%" document.calc.msg.value = "Calculation successful..." } else { document.calc.rate.value = "Error" document.calc.msg.value = "Calculation failed, unable to converge..." } return; } // unhide script --> </script><h2>Real rate of return Calculator</h2> <p>Use this calculator to determine a real rate of return on your assets.<br /> <a href="javascript:Start('calcinst.phtml');">Click here for instructions.</a><br /> <a href="javascript:history.go(-1)";>Go Back</a> </p> <!-- google_ad_section_end --> <p><a href="http://www.profitsharing.org/node/34">read more</a></p> http://www.profitsharing.org/node/34#comment maximizing your funds Performance Fri, 22 Sep 2006 06:50:27 -0500 rgbaird 34 at http://www.profitsharing.org http://www.profitsharing.org/node/15 <!-- google_ad_section_start --> <h3>Investment Glossary</h3> <p><a href='#A'>A</A>-<a href='#B'>B</A>-<a href='#C'>C</A>-<a href='#D'>D</A>-<a href='#E'>E</A>-<a href='#F'>F</A>-<a href='#G'>G</A>-<a href='#H'>H</A>-<a href='#I'>I</A>-<a href='#J'>J</A>-<a href='#K'>K</A>-<a href='#L'>L</A>-<a href='#M'>M</A><br /><a href='#N'>N</A>-<a href='#O'>O</A>-<a href='#P'>P</A>-<a href='#Q'>Q</A>-<a href='#R'>R</A>-<a href='#S'>S</A>-<a href='#T'>T</A>-<a href='#U'>U</A>-<a href='#V'>V</A>-<a href='#W'>W</A>-<a href='#X'>X</A>-<a href='#Y'>Y</A>-<a href='#Z'>Z</A></p> <dl> <dt><a name='a'><b>-A-</b></a></dt> <dt>Accumulation</dt> <dd>The first phase of a bull market. Accumulation of shares while earnings are at their worst and the economy is declining.</dd> <!-- google_ad_section_end --> <p><a href="http://www.profitsharing.org/node/15">read more</a></p> http://www.profitsharing.org/node/15#comment maximizing your funds Sat, 22 Jul 2006 07:22:32 -0500 rgbaird 15 at http://www.profitsharing.org http://www.profitsharing.org/node/6 <!-- google_ad_section_start --> <h3>Plan Information Center</h3> <p>The investment portion of your retirement plan is extremely important. To get the maximum benefit for your participation, you should also know how to participate, and what your rights are in your plan.</p> <p>This section is devoted to some of that information. The important parts of your participation are </p> <p> <a href="#knowyourplandisc">I. Knowing Your Plan Description</a><br /> <a href="#KnowingYourPlanDocumentandAmendments">II. Knowing Your Plan Document and amendments</a><br /> <a href="#KnowingYourSummaryAnnualReport">III. Knowing Your Summary Annual Report</a></p> <!-- google_ad_section_end --> <p><a href="http://www.profitsharing.org/node/6">read more</a></p> http://www.profitsharing.org/node/6#comment maximizing your funds plan information Thu, 20 Jul 2006 07:54:23 -0500 rgbaird 6 at http://www.profitsharing.org