Welcome Guest.   Make a donation to an author on the site October 01, 2014, 07:29:24 PM  *

Please login or register.
Or did you miss your validation email?


Login with username and password (forgot your password?)
Why not become a lifetime supporting member of the site with a one-time donation of any amount? Your donation entitles you to a ton of additional benefits, including access to exclusive discounts and downloads, the ability to enter monthly free software drawings, and a single non-expiring license key for all of our programs.


You must sign up here before you can post and access some areas of the site. Registration is totally free and confidential.
 
The N.A.N.Y. Challenge 2010! Download 24 custom programs!
   
   Forum Home   Thread Marks Chat! Downloads Search Login Register  
Pages: [1]   Go Down
  Reply  |  New Topic  |  Print  
Author Topic: home-buying decision tool  (Read 1612 times)
Contro
Participant
*
Posts: 2,141

View Profile Give some DonationCredits to this forum member
« on: August 20, 2012, 03:27:07 PM »

home-buying decision tool

I would like a soft for my desktop pc under windows xp pro sp3 for clever buying comparer.

What soft is the best for this purpose. Better if free.

Best Regards

I want to mean a shopping assistant for the desktop, not in the cloud. Not for special purpose. In general.
Not only to buy a house, buy a bed, a car, comparing and constructing a table.

 Kiss
Logged
Renegade
Charter Member
***
Posts: 11,445



Tell me something you don't know...

see users location on a map View Profile WWW Give some DonationCredits to this forum member
« Reply #1 on: August 20, 2012, 05:32:22 PM »

Probably a shopping comparison web site is easiest.
Logged

Slow Down Music - Where I commit thought crimes...

Freedom is the right to be wrong, not the right to do wrong. - John Diefenbaker
Contro
Participant
*
Posts: 2,141

View Profile Give some DonationCredits to this forum member
« Reply #2 on: August 20, 2012, 06:49:59 PM »

I have found a trial
Purchasing Toolpak
Need Excel.

I suppose is like a business decision maker.
But simpler.

What I am looking for is a soft to give important to parameters and make a buyer decision.

A buyer comparison
 Kiss
Logged
Perry Mowbray
N.A.N.Y. Organizer
Charter Member
***
Posts: 1,807



Thoughtful Scribbles

see users location on a map View Profile WWW Read user's biography. Give some DonationCredits to this forum member
« Reply #3 on: August 20, 2012, 09:24:06 PM »

I do Excel spreadsheets --  my goal is to make a website

I have found a trial
Purchasing Toolpak
Need Excel.

I suppose is like a business decision maker.
But simpler.

What I am looking for is a soft to give important to parameters and make a buyer decision.

A buyer comparison
 Kiss
Logged

gdv22
Participant
*
Posts: 17

View Profile Give some DonationCredits to this forum member
« Reply #4 on: August 21, 2012, 08:42:16 AM »

Don't know if this is what you had in mind, (and it probably won't be of much help unless you can find it on some abandonware site), but in about 1989-1990 I used a very nifty program called Buy Your Home (IIRC).  I'm not a programmer, but at the time I recall thinking it was probably just a fairly simple GUI shell for a spreadsheet engine.  (Cost was about $20 US at the time, IIRC.)

It was primarily intended to allow comparing renting vs buying, but was easily adapted to compare buying this house or that house, etc.  It allowed you to enter assumptions about your projected annual income and expenses, income increases, rent amount, home selling price, mortgage amount and payments, interest rate, taxes and deductions (pertaining to buying vs renting), projected appreciation (or not), how long you expected to stay in the place (renting often financially better than buying if only staying a few years), etc., etc.  IIRC, it also must have had some basic tax estimating functionality built in, based on existing U.S. Federal tax regs at the time.

The way it was set up, you could also use it to compare different projected income and/or mortgage amounts for the same home purchase, e.g.:

• projected income if spouse works or not
• paying only the required mortgage payments vs paying more than required each month
• interest only w balloon vs fixed or ARM
• minimal downpayment with higher mortgage vs larger downpayment & lower mortgage
• different loan terms (e.g., 15-year fixed vs 30-year fixed)
• investing more available funds in a more expensive home vs a less expensive home with the difference in funds invested elsewhere
• how much difference it would make over x years to buy down a loan half a point when setting up the mortgage
• etc., etc.

I'm pretty sure I still have the program on a 5.25" floppy (which might have deteriorated beyond use by now) somewhere in my storage unit (hour and a half round trip and a couple hours of searching), and probably on an old HDD somewhere in storage, but my current circumstances don't allow me to go look for it.

I didn't find it online just now in a quick Google search, but if it is no longer being marketed, you might find it on some of the abandonware sites.  if you can't locate it anywhere, you might be able to find or create a spreadsheet template that would allow you to plug in various scenarios along the lines of those I've mentioned or whatever might better fit your circumstances and needs.  Seems like asking in some of the Office/Excel forums might be a good place to find a template that could be readily adapted to your needs. ...(Unless Perry Mowbray above is volunteering to write one tongue)

Good luck! smiley
Logged
TaoPhoenix
Supporting Member
**
Posts: 3,508



0 - 60 ... then back to 0 again!

see users location on a map View Profile Give some DonationCredits to this forum member
« Reply #5 on: August 21, 2012, 09:45:14 AM »

1. Will your job be there next year?
1a: If not, don't buy your home in that city.

Logged
Contro
Participant
*
Posts: 2,141

View Profile Give some DonationCredits to this forum member
« Reply #6 on: August 21, 2012, 05:59:55 PM »

I do Excel spreadsheets --  my goal is to make a website

I have found a trial
Purchasing Toolpak
Need Excel.

I suppose is like a business decision maker.
But simpler.

What I am looking for is a soft to give important to parameters and make a buyer decision.

A buyer comparison
 Kiss

 undecided
Logged
Contro
Participant
*
Posts: 2,141

View Profile Give some DonationCredits to this forum member
« Reply #7 on: August 21, 2012, 06:00:32 PM »

Don't know if this is what you had in mind, (and it probably won't be of much help unless you can find it on some abandonware site), but in about 1989-1990 I used a very nifty program called Buy Your Home (IIRC).  I'm not a programmer, but at the time I recall thinking it was probably just a fairly simple GUI shell for a spreadsheet engine.  (Cost was about $20 US at the time, IIRC.)

It was primarily intended to allow comparing renting vs buying, but was easily adapted to compare buying this house or that house, etc.  It allowed you to enter assumptions about your projected annual income and expenses, income increases, rent amount, home selling price, mortgage amount and payments, interest rate, taxes and deductions (pertaining to buying vs renting), projected appreciation (or not), how long you expected to stay in the place (renting often financially better than buying if only staying a few years), etc., etc.  IIRC, it also must have had some basic tax estimating functionality built in, based on existing U.S. Federal tax regs at the time.

The way it was set up, you could also use it to compare different projected income and/or mortgage amounts for the same home purchase, e.g.:

• projected income if spouse works or not
• paying only the required mortgage payments vs paying more than required each month
• interest only w balloon vs fixed or ARM
• minimal downpayment with higher mortgage vs larger downpayment & lower mortgage
• different loan terms (e.g., 15-year fixed vs 30-year fixed)
• investing more available funds in a more expensive home vs a less expensive home with the difference in funds invested elsewhere
• how much difference it would make over x years to buy down a loan half a point when setting up the mortgage
• etc., etc.

I'm pretty sure I still have the program on a 5.25" floppy (which might have deteriorated beyond use by now) somewhere in my storage unit (hour and a half round trip and a couple hours of searching), and probably on an old HDD somewhere in storage, but my current circumstances don't allow me to go look for it.

I didn't find it online just now in a quick Google search, but if it is no longer being marketed, you might find it on some of the abandonware sites.  if you can't locate it anywhere, you might be able to find or create a spreadsheet template that would allow you to plug in various scenarios along the lines of those I've mentioned or whatever might better fit your circumstances and needs.  Seems like asking in some of the Office/Excel forums might be a good place to find a template that could be readily adapted to your needs. ...(Unless Perry Mowbray above is volunteering to write one tongue)

Good luck! smiley

I'll try then looking for that soft.

i will comment
Logged
Contro
Participant
*
Posts: 2,141

View Profile Give some DonationCredits to this forum member
« Reply #8 on: August 21, 2012, 06:00:54 PM »

1. Will your job be there next year?
1a: If not, don't buy your home in that city.



Of course
 Grin
Logged
Contro
Participant
*
Posts: 2,141

View Profile Give some DonationCredits to this forum member
« Reply #9 on: August 21, 2012, 06:56:43 PM »

gdv22
I was not able to find that information.
bu in any case I was not intentionally interest in buying a house (it's my fault and bad redaction in my post).

Best Regards
Logged
Pages: [1]   Go Up
  Reply  |  New Topic  |  Print  
 
Jump to:  
   Forum Home   Thread Marks Chat! Downloads Search Login Register  

DonationCoder.com | About Us
DonationCoder.com Forum | Powered by SMF
[ Page time: 0.036s | Server load: 0.21 ]