This program is a version of a balloon payment schedule that demonstrates the effect of reducing initial payments and either making a large payment at the end of the balloon period or refinancing the loan. It will run under Win 95, 98, Me, NT4,XP, & 2000. Bankers are currently touting mortgages with a one to five year balloon. What they don't tell you is that the interest is usually based on a 30 year term.

Improve whole number division computation skills from simple to complex problems. Math facts exercises are included. Randomly generated problems are structured and worked out number by number as you would on paper. Generate printed worksheets that reinforce the on-screen activities. Multi-sensory approach using the Microsoft Agent character Peedy the parrot. Especially effective for the learning disabled and remediation.

Save Christmas! A crisis is brewing in the North Pole! Santa's workshop is running at full capacity. Elves are working overtime, but alas, production is not enough for Christmas Eve! Thousands could be left without presents, and YOU might be one of them! Trains will be passing through every town, headed for North Pole Central. Help Santa stock enough Christmas presents by loading each train to the brim. Do your best, Christmas depends on it!

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Boilsoft DVD Ripper is a powerful tool to rip your DVD movie to avi, wmv, vcd, iPod video MP4, PSP video MP4 and other format. with it, you can backup your DVD movie in small video files with a few clicks. 1. rip DVD to avi -- xvid + mp3, xvid + ac3. 2. rip DVD to vcd, svcd and dvd, NTSC and PAL supported. 3. rip DVD to WMV, supported wmv 9 video codec and audio codec. 4. rip DVD to iPod video MP4. 5. rip DVD to PSP video MP4.

Burn4Free is the new free burning solution. Easy to use. Compatible with more than 1900 CD/DVD drives. Copy DVD. Burns data and audio (WAV, WMA, MP3, OGG, FLAC, WavPack, .CDA) Burn/Save .ISO file. Verify content. Overburning. Import your audio compilation from .M3U Plyalists. CD-R/CD-RW/DVD- R/DVD+R/DVD-RW/DVD+RW/DVD-RAM drives (SCSI-IDE/EIDE-USB 1.0/2.0) are supported. ISO support. DVD Dual Layer support. Print Compilation. Save/Load project .

GearDownload is a free handy tool to search formated text, pictures, flashes, downloads and links within one site or some related sites. It searches every web page to find your needs, then downloads the files searched very fast by a build-in multi-thread downloader. This will saves you vast amounts of time when you want to download much pictures or other files from the appointed web page, web directory, site or some related sites.

An award-winning tool for optimization of HTML files by means of removing unnecessary data from their bodies so that files after optimization look like earlier, but have smaller size, take less disk space and are uploaded/downloaded faster. Wide optimization options list with powerful profiles system, good optimization ratio (average near 20 per cent), safe backup system, nice multilanguage interface, exhaustive Help.

Living Waterfalls Oceans and Rivers FREE screensaver, which consists of four screenavers wrapped up into one. Each of them has animation, sound and transition effects. This is a FREE Screensaver and an example for you to see the way all other living photo screensavers on my website are made.