offset mortgages
PMT Mortgage Calculator V1
Free monthly payment calculator for a fixed rate mortgage more>> Free monthly payment calculator for a fixed rate mortgage
Fixed rate mortgages are characterized by their interest rate (including compounding frequency, and term of the mortgage). Using these three values, the calculation of the monthly payment can be easily done.
PMT Mortgage Calculator is an easy to use application that calculates the fixed monthly payment for a fixed rate mortgage as the amount paid by the borrower every month that ensures that the loan is paid off in full with interest at the end of its term.
System requirements:
- Adobe AIR
Mortgage Manager 2.2.3
Mortgage Manager estimates the various costs of a home mortgage at the time of closing. It computes the qualifying rations which lenders use to evaluate a mortgage application more>> <<less
New Moon Dates 2.0
New Moon Dates - moon date, time lunar latitude for a given year more>>
The routines are written in BASIC, are not object oriented and make some assumptions about both software and hardware platforms.
Lunar orbital accuracy is a non-trivial task. The equations for New Moon Dates are derived from the equations used in the book: "Astronomy with Your Personal Computer" by Peter Duffett-Smith.The accuracy claimed in the book is accurate to within two minutes (page 172 of the second edition).The information displayed is the date of the New Moon and the New Moons latitude.You will have to decide if this is enough accuracy for your needs.
Enhancements:
- Added Daylight Savings Time and an indicator to show when it has affected the date shown.
EntourageEvents X 1.3.1
EntourageEvents takes all of your Entourage Events (within a specified date range) and exports them into vCard files for copying to your iPod more>> EntourageEvents takes all of your Entourage Events (within a specified date range) and exports them into vCard files for copying to your iPod. They are placed in a folder called "iPodEvents" on your desktop. It includes the subject , location, start and end date/time, and any notes associated with an event. The events can be organized by date or subject.
MacOS X 10.0 or later, Apples iPod.
Version 1.3 adds the following:
- All of your events can now be stored to a single "Events.vcf" file. This makes file management a breeze.
- Saving of preferences, including:
- A default folder, such as your iPods Contacts folder. If the default folder cant be found the application will ask you where to save your events (without changing the default).
- Default start and end dates offset from today. This allows for automatic setting of a date range in days, weeks or months.
- Selecting whether or not the year needs to be included in the event titles. Removing them adds precious space for displaying subject information.
- Selecting whether or not you want old Event files deleted (in case you want to keep old ones on your iPod).
- Selecting whether or not you want a single or mulitple files. Just in case you liked the old way of generating files better.
- Selecting how your events will be organized: by date/subject, date/time or subject.
- Makes sure that only files beginning with "Event" are deleted since you may be deleting directly from your iPod.
- Adjusting the start date will also step the end date so that your date range is maintained (as defined in the preferences)
UTC (GMT) offset 1.0
UTC (GMT) offset - Local times difference in minutes to the UTC or GMT more>>
ToneTester 1.0
ToneTester - Macintosh tool for testing pitch hearing differences between your ears more>>
Specifically, it looks for offsets in how each of a persons ears hears pitch (the formal term for this is "binaural diplacusis" or "interaural pitch difference").
To use it, you adjust a slider until your ears hear the same pitch, and then ToneTester tells you the actual pitch difference.
Enhancements:
- First release.
Crop Images 1.0
Crop Images - Crop images to match their picture boxes more>>
The script calculates scaling, resolution, and offset and knows where to crop the image!
Once cropped it will replace the one in the document with the cropped version.
There are preference controls for whether you want the script to use a duplicate file or the original.
Sunlit Moon 1.0
Sunlit Moon - Displays the true phase of the Moon accounting for optical and physical libration more>>
The green compass represents geographic direction and the gray represents selenographic direction. These are drawn to illustrate the offset of the lunar poles to that of the Earths poles due to libration. For examples of lunar libration, visit the Lunar Libration page. Clicking on the image of the Moon in the widget displays a selenographic grid to further illustrate the effects of libration. Also, the age and illuminated fraction is displayed.
EmbossWorks 1.0
This download is a collection of 20 free plug-in filters for use with Adobe Photoshop and other compatible applications such as PaintShop Pro more>>
EmbossWorks 1.0 offers you a convenient editor tool which contains a collection of 20 free plug-in filters for use with Adobe Photoshop and other compatible applications such as PaintShop Pro. Use these plug-ins to extend the abilities of your image editor beyond the standard functions. The effects in this pack provide methods for embossing and offsetting your images in a variety of ways. Create foil, sand blast, and neon effects, and give your image the look of metal or ice.

Filter Factory Gallery H for Mac -
Filter Factory Gallery H is a pack of free filters for Photoshop. more>> Filter Factory Gallery H is a pack of 20 free filters for Photoshop and allows you to apply all manner of effects and finishes.
To install it, youll need the plugin compiler for Photoshop and Premiere called Plugin Commander.
These following are the filters in this pack:
Filter 1-Alias Blur
Filter 2-Edge Saturate
Filter 3-GridMed
Filter 4-GridMin
Filter 5-Lattice
Filter 6-Melting Pot
Filter 7-Moon Phase
Filter 8-NoisyRGB
Filter 9-Quick Sepia
Filter 10-Reverb
Filter 11-RGB Offset
Filter 12-Stigmatism
Filter 13-Sun Raze<<less
USB Midisport 8x8 3.2.3
USB Midisport 8x8 brings you a useful powerhouse with features and bandwidth to burn. In addition to being a gateway to the high speed and enormous channel capacity that USB offers, the MIDISPORT 8x8/s may also be connected to the legacy serial ports of older computers. more>>
USB Midisport 8x8 3.2.3 brings you a useful powerhouse with features and bandwidth to burn. In addition to being a gateway to the high speed and enormous channel capacity that USB offers, the MIDISPORT 8x8/s may also be connected to the "legacy" serial ports of older computers.
Rock-solid drivers on both Apple Computer and PC, full SMPTE implementation, and the ability to run multiple units simultaneously are just a few of the reasons this interface is the one to choose.
Add to that stand-alone MIDI patchbay operation, a MIDI cable tester, and an easy-to-read front panel design, and it's easy to see why the MIDISPORT 8x8/s is the most sought after multi-port MIDI interface on the market today.
Major Features:
- 8 independent in / 8 independent out MIDI Interface (128x128 MIDI channels) in professional 19" single height rack mount chassis.
- High-speed connection to USB-equipped PC or Mac computers.
- Alternate "legacy" serial connection to non-USB PC or Mac computers.
- MIDI in and out activity indicators for each port.
- Includes 6 ft. USB cable.
- When disconnected from the PC, unit operates as a stand-alone MIDI patchbay, as well as a SMPTE to MTC synchronizer.
- Built-in "MIDI cable tester" mode.
- Windows 98 compatible -- true Plug-and-Play installation requires no IRQ, I/O Address or DMA channel setup
- Mac OMS Compatible. Works with Mac OS 8.6 and above.
- Includes Windows and Mac Control Panel software.
- SMPTE Time Code Writer/Reader
- Reads and writes 24, 25, 29.97, 30 drop or 30 non-drop frame LTC SMPTE formats.
- Any SMPTE time write offset may be set-up via included control panel software
- Converts LTC SMPTE to MIDI Time Code (MTC) for syncing any MTC capable software.
- Selectable "flywheel" that can be set to any value from 1 frame to 255 frames, or infinite flywheel.
- Can perfectly regenerate even the worst SMPTE Time Code.
- Performs "JAM" sync in all modes.
Requirements:
- Mac OS X 10.4.11 or 10.5.1
OpenOffice.org 3.0 RC4 / 2.4.1
Full-featured office productivity suite. more>> Full-featured office productivity suite.
OpenOffice.org is a multiplatform and multilingual office suite and an open-source project. Compatible with all other major office suites, the product is free to download, use, and distribute.
OpenOffice.org is a suite that individuals, governments, and corporations around the world have been expecting for the last two years. Easy to use and fluidly interoperable with every major office suite, OpenOffice.org realises the potential of open source.
With new features, advanced XML capabilities and native support for the OASIS Standard OpenDocument format, OpenOffice.org gives users around the globe the tools to be engaged and productive members of their society.
Platforms currently supported include Mac OS X (under X11), Microsoft Windows (98 - Vista), GNU/Linux ("Linux"), Sun Solaris, and FreeBSD.
NOTE: OpenOffice.org is licensed under the GNU Lesser General Public License.
System requirements:
- X11
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Enhancements:
- Sheet names can contain almost any character.
- ADDRESS and INDIRECT support additional parameter for A1/R1C1 notation.
- ODFF: automatic intersection !! operator.
- ODFF: store ERRORTYPE as ORG.OPENOFFICE.ERRORTYPE.
- New: XML Documents XForm models support "internal" vs. "external" data.
- Change to table view when a new database was created by the db wizard.
- INDEX() function supports return of an entire vector of a 2D array.
- GCD() and LCM() convert arguments to integer.
- LOOKUP in columns of a row if range is wider than tall.
- INDEX of vector needs just one offset parameter.
- COUNT ignores error results.
- Adding MS Access databases in Writer now possible.

wxHexEditor 0.07a
wxHexEditor is a utility to edit HUGE files in Linux mainland more>>
Enhancements:
- Fixed Mac OS X compilation & unreadable Offset.
- Lots of GUI improvements.
- Fixed lots of TAG system bugs.
- Added TAGs save on XML formatted ".tags" file.
- Added Copy/Paste support!
- Redesigned Find and Replace dialogs.
- Fixed Find and Replace memory leakages.
- Added Right Click Menu to HexEditor.
- Fixed Resizing code and major speed upgrade on resize.
Requirements:
- Mac OS X 10.4.11 or later
ObjectTools 2.5r5
An all-purpose tool which solves or simplifies many common problems faced by 4D developers. more>> An all-purpose tool which solves or simplifies many common problems faced by 4D developers.
ObjectTools is an all-purpose tool which solves or simplifies many common problems faced by 4D developers.
ObjectTools is a very useful software that eliminates the limitations of 4D BLOBs and adds many new features not available with BLOBs.
Main features:
- Store and retrieve any 4D data type (except for 2D arrays) by name in any order, eliminating the need to remember and use numeric offsets
- Access elements of arrays in an object without retrieving the array from the object
- Store and retrieve an entire record from any table with a single command
- Embed objects within objects to create hierarchically structured data storage
- Save and restore objects to and from BLOBs
- Dramatically reduce process and interprocess variable usage
- Easily package data for interprocess messaging
- Develop in an object-oriented style.
System requirements:
- 4th Dimension 2004.1/ v11 or later
- CarbonLib
Enhancements
- If an error handler method was installed, each call to the method would leak about 800 bytes.
Final Cut Pro Update 4.1
This update includes many fixes and performance enhancements, including: performance optimizations for Power Mac G5 and Mac OS X 10.3, Frame Offset for synchronizing NTSC/PAL display with computer more>>
Final Cut Pro Update 4.1 provides you with a DVD copy too which includes many fixes and performance enhancements, including: performance optimizations for Power, and 3-perf film support in Cinema Tools.