Bravaware Apps

Net Present Value Calculatorallow you to calculate the amount of present value of a cash flowtime series.you must enter all the cash flow by specifying the amount, theinterest rate and the number of periods in the future or in thepast (giving a negative sign) to which it relates.definition from wikpediaIn finance, the net present value (NPV) or net present worth (NPW)of a time series of cash flows, both incoming and outgoing, isdefined as the sum of the present values (PVs) of the individualcash flows of the same entity.In the case when all future cash flows are incoming (such ascoupons and principal of a bond) and the only outflow of cash isthe purchase price, the NPV is simply the PV of future cash flowsminus the purchase price (which is its own PV). NPV is a centraltool in discounted cash flow (DCF) analysis and is a standardmethod for using the time value of money to appraise long-termprojects. Used for capital budgeting and widely used throughouteconomics, finance, and accounting, it measures the excess orshortfall of cash flows, in present value terms, above the cost offunds.NPV can be described as the “difference amount” between the sums ofdiscounted: cash inflows and cash outflows. It compares the presentvalue of money today to the present value of money in the future,taking inflation and returns into accountThe NPV of a sequence of cash flows takes as input the cash flowsand a discount rate or discount curve and outputs a price; theconverse process in DCF analysis — taking a sequence of cash flowsand a price as input and inferring as output a discount rate (thediscount rate which would yield the given price as NPV) — is calledthe yield and is more widely used in bond trading.

With Love Secret SMS you can communicatesafely with your lover, and never be afraid that your wife, husbandor fiancé reads your text messages and throws you out ofhome!With Love Secret SMS you can quickly exchange encrypted textmessages, which will reach the destination by the SMS system ofyour Android device. Download the application, choose your ownsectret keys exchange with your lover the encryption keys, andyou're done!The encryption system of Love Secret SMS is based on the Serpentalgorithm that was a candidate for selection for the AES standardencryption by the National Security Agency (NSA), in which rankedsecond because of speed issues, but, by all, it is considered saferthan the current standard!trick: use different keys for different partners ;)

With SMS Crypto Lock you can communicatesafely with your lover, and never be afraid that your wife, husbandor fiancé reads your text messages and throws you out ofhome!With SMS Crypto Lock you can quickly exchange encrypted textmessages, which will reach the destination by the SMS system ofyour Android device. Download the application, choose your ownpassword (must contain al least one digit!), exchange with yourlover the encryption keys, and you're done!The encryption system of Love Secret SMS is based on the Serpentalgorithm that was a candidate for selection for the AES standardencryption by the National Security Agency (NSA), in which rankedsecond because of speed issues, but, by all, it is considered saferthan the current standard! SMS Crypto Lock takes all precautions tomake 100% safe your communication, the messages are encrypted witha key of 32 characters randomly selected between 80 symbols wherebythe probability to decrypt a message is comparable to that ofwinning the lottery for seven consecutive extractions, guessing thenumbers in their exact order!Even if your husband or your wife is an experienced electronicsengineer, dismantling and analyzing the data on your phone, coulddo nothing to decipher your messages because nothing in your phonememory is stored in plain text: all messages, all data and all thekeys are stored in encrypted form. For maximum safety, you maychoose a secure password!SMS Crypto Lock allows minimum password length of 8 and maximum 32with at least one digit, but remember that the longer the passwordis and contains numbers and symbols, the farther away divorce willbe!Usage of SMS Crypto Lock is simple and intuitive, it looks like anormal sms messaging application. In the tab “Send" you can searcha number in your address book, compose the message and send it, intab “Sms” you have an archive of all messages and touching anencrypted message, an alert will show the clear text of themessage. This mechanism may appear inelegant, but ensures that noplain text is saved on the phone storage even by the operatingsystem in a temporary way. In the third tab “Contacts” will belisted the contacts with whom has been exchanged the encryption keyand with whom you can exchange encrypted messages. You will alsofind the button to start the simple and fast bluetooth key exchangeprocess. One of the two will send the contact, the other has onlyto make visible his or her own device, always in the bluetoothexchange contacts. Lastly, in the tab “Settings”, you can changethe master password to access to SMS Crypto Lock and set a resetpassword which resets to zero the application configuration if usedat boot, making it impossible to decipher any message. Enjoy yourprivacy!

Calculate a tip. Enter the amount of thebill,the percent that you'd like to tip and the number of persontosplit the bill. Hit gears button to find out the tip andtotalamount.Not tipping in the United States is pretty scandalous. First ofall,food is cheaper there and the portion size is set to"obesitycrisis" most of the time. Secondly, it's well known thattips areneeded in the US to bring waiters' pay levels up to par.And muchmore importantly US customer service is about ten billiontimesbetter than other customer service.Tipping scene from reservoir dogsNice Guy Eddie: C'mon, throw in a buck!Mr. Pink: Uh-uh, I don't tip.Nice Guy Eddie: You don't tip?Mr. Pink: I don't believe in it.Nice Guy Eddie: You don't believe in tipping?Mr. Blue: You know what these chicks make? They make shit.Mr. Pink: Don't give me that. She don't make enough money, shecanquit.Nice Guy Eddie: I don't even know a fucking Jew who'd have theballsto say that. Let me get this straight: you never evertip,huh?Mr. Pink: I don't tip because society says I have to. Alright, Itipwhen somebody really deserves a tip. If they put forth aneffort,I'll give them something extra. But I mean, thistippingautomatically, that's for the birds. As far as I'mconcernedthey're just doing their job.Mr. Blue: Hey, this girl was nice.Mr. Pink: She was okay. But she wasn't anything special.Mr. Blue: What's special? Take you in the back and suckyourdick?Nice Guy Eddie: I'd go over twelve percent for that.Mr. Pink: Look, I ordered coffee, alright? And we been here alongfucking time and she's only filled my cup three times. When Iordercoffee I want it filled six times.Mr. Blonde: Six times? Well, what if she's too fucking busy?Mr. Pink: The words "too fucking busy" shouldn't be in awaitress'svocabulary.Nice Guy Eddie: Excuse me Mr. Pink, but the last fucking thingyouneed is another cup of coffee.Mr. Pink: Jesus Christ man, these ladies aren't starving todeath.They make minimum wage. You know, I used to work minimum wageandwhen I did I wasn't lucky enough to have a job the societydeemedtipworthy.Mr. Blue: You don't care if they're counting on your tipstolive?Mr. Pink: [rubbing his middle finger and thumb together] Youknowwhat this is? The world's smallest violin playing just forthewaitresses.Mr. White: You don't have any idea what you're talking about.Thesepeople bust their ass. This is a hard job.Mr. Pink: So is working at McDonald's, but you don't see anyonetipthem, do you? Why not, they're serving you food. But no,societysays don't tip these guys over here, but tip these guys overhere.It's bullshit!Mr. White: Waitressing is the number one occupation forfemalenon-college graduates in this country. It's the one jobbasicallyany woman can get, and make a living on. The reason isbecause oftips.Mr. Pink: Fuck all that! I'm very sorry the government taxestheirtips, that's fucked up. That ain't my fault. It would seem tomethat waitresses are one of the many groups the government fucksinthe ass on a regular basis. Look, if you show me a piece ofpaperthat says the government shouldn't do that, I'll sign it, putit toa vote, I'll vote for it, but what I won't do is play ball.Andthis non-college bullshit you're givin' me, I got two wordsforthat: learn to fuckin' type, 'cause if you're expecting me tohelpout with the rent you're in for a big fuckin' surprise.Mr. Orange: You know what, you just convinced me. Gimmie mydollarback!

Genera sestine fortunate in base a unnumerofortunato inserito dall' utente e all' analisi delladistribuzionestatistica delle estrazioni precedenti.Si vince, dopo aver scommesso su una schedina, indovinando:il terno, ovvero tre numeri;la quaterna, ovvero quattro numeri;la cinquina, ovvero cinque numeri;il cinque più uno, ovvero cinque numeri più il numero jolly;il sei, ovvero i sei numeri della combinazione base (esclusoilnumero jolly).La giocata minima si ottiene marcando due combinazioni (seinumerisu ciascun pannello) per un importo pari a 1,00 €, mentrelagiocata massima su una schedina è di 27.132 colonne(corrispondentead una giocata di 19 numeri su un pannello) per unimporto pari a13.566,00 €.Il numero SuperStar è un numero casuale tra 1 e 90,indipendentedalla sestina del Superenalotto ed è abbinato allecombinazioni perle quali è stata scelta l'opzione "SuperStar". Èinoltre possibileal momento della convalida vincere premiistantanei: vengonoinfatti assegnati premi (da 5,00 € a 10.000 €)ogni 1.000combinazioni convalidate nel territorio nazionale conl'opzioneSuperStar. In caso di un'eventuale vincita il terminaleemette unsegnale acustico ed il titolo con il quale è possibileincassare,immediatamente e in contanti, la vincita presso il puntodivendita.Oltre alla vincita regolare del gioco, nel caso in cuivengaindovinato anche il numero SuperStar (o anche solo indovinandoilnumero SuperStar senza nessuna vincita regolare) si ha dirittoapremi aggiuntivi.Generatefortunatesextuplets based on a lucky number inserted by User 'andall'analysis of the statistical distribution of thepreviousextractions.You win, having bet on a board, guessing:the internal or three numbers;the set of four, or four numbers;the quintet, or five numbers;the five plus one, or five numbers plus the bonus number;six, or six numbers of the combination base (excluding thebonusnumber).The minimum bet is obtained by marking two combinations (sixnumberson each panel) for an amount of € 1.00, and the maximum beton aboard is 27,132 columns (corresponding to a spin of 19 numberson apanel) for a amounting to € 13,566.00.The SuperStar number is a random number between 1 and90,independent of the sestina Superenalotto and is mated tothecombinations for which has been selected the option "SuperStar".Itis also possible to the time of validation win instant prizes:infact they awarded prizes (from € 5.00 to € 10,000) per1,000combinations validated in the country with the optionSuperStar. Inthe event of any winnings the terminal beeps and thetitle by whichyou can cash immediately and in cash, the payout atthe point ofsale.In addition to the regular win the game, in the case wherethenumber is guessed also SuperStar (or even just guessing thenumberSuperStar without any regular win) is entitled toadditionalrewards.

Get numbers and play megamillionslottery!Good Luck!Mega Millions is a US multi-jurisdictional lottery game. Sinceitreplaced The Big Game in May 2002 , Mega Millions'advertisedjackpots have started at $12 million, paid in 26yearlyinstallments (unless the cash option is chosen), increasingwhenthere is no jackpot winner. Reflecting common practiceamongAmerican lotteries, the jackpot is advertised as a nominalvalue ofannual installments. A cash value option, when chosen by ajackpotwinner , pays the approximate present value of theinstallments.Mega Millions currently uses a 5/56 (white balls) +1/46 (the MegaBall) double matrix to select its winning numbers.Each game costsplayers $1; in most of the 42 Mega Millionsjurisdictions, playersmay opt to pay an extra $1 per game tomultiply their non-jackpotprizes by 2, 3, or 4 with the Megaplier.(The Megaplier was madeavailable to all Mega Millions players inJanuary 2011; it began asa Texas-only option.) Mega Millions isdrawn at 11pm Eastern timeTuesdays and Fridays, including holidays.The drawings usually areheld in Atlanta, Georgia. Mega Millions'second largest annuityjackpot ($380 million), and largest cashjackpot ($240 million),was for the January 4, 2011 drawing; twotickets, one each fromPost Falls, Idaho, and Ephrata, Washington,matched all six winningnumbers, winning $190 million (annuity)each. The holders of eachticket chose the cash option(WikiPedia).Good Luck!

Get Powerball lottery number and play.Good Luck!Powerball is an American lottery game sold in 44 jurisdictionsasa shared jackpot game. It is coordinated by the Multi-StateLotteryAssociation (MUSL), a non-profit organization formed by anagreementwith lotteries. As of its latest format change on January15, 2012,Powerball's minimum advertised jackpot is $40 million(annuity) witha potential of nine-figure prizes. Its annuityoption is paid in 30graduated installments; winners may choosecash instead. Powerballdrawings are held Wednesdays and Saturdaysat 10:59 p.m. Easterntime. The game uses a 5/59 (white balls) +1/35 (Powerballs) matrixfrom which winning numbers arechosen.Powerball games had always cost players $1; a game with thePowerPlay option, added in 2001, cost $2. As of the January 15,2012format change, each selection of six numbers costs $2; withPowerPlay, $3.The official cutoff time for ticket sales is 10 pm ET;somejurisdictions cut sales earlier. The drawings usually are heldatthe Florida Lottery’s high-tech studio in Tallahassee. Before,thedrawings were held at Universal Studios in Orlando (prior to2009,its drawings usually were held in Iowa.) On the night ofeachdrawing, there are 6 prerecorded draws: four "test" drawings,thenthe actual drawing, followed by a "post test" draw. Somedrawingswere held away from headquarters to promote the game'sexpansion toa new jurisdiction. The results of drawings are notofficial untilthey are audited by the accounting firm Harvey,Covington &Thomas, LLCPowerball, on February 18, 2006, produced the third-largestprizeawarded for one set of numbers drawn in a US lottery game.Theprize was $364 million; the eight people sharing the ticketchosethe cash option, splitting $177,270,519.67 beforewithholdings.(Mega Millions produced the two biggest jackpots inAmericanhistory.)

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Calculated value of installment loans and amortization scheduleofpayment using the constant amortization to pay. Fromamotizationschedule view you can export to excel all the payment ,theschedule file will be saved in the folder BravawareMortgageCalc.Istypically amortizing loan amortization schedule in some banksandfinancial loan principal during the term of the loan to paydownloans and interest as part of the loan payment equalpayments.Eachbe configured with some of the principal. Amortizingloans mortgageloans generally. for amortizing loans calculatepension who isusing the time value of money formulas. Amortizationschedulecalculator is often a monthly payment to fit comfortably inyourbudget until you are used to adjust the amount of theloan,interest rates can make the difference in the kind of speedone canafford a better home or car may vary. Also can not revealthe exactamount of each payment goes towards principal out theexact amountgoing towards interest and amortization calculator.These figuresare in chronological order throughout the term of theloanamortization payment schedule delineating the table.