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David Gray Project #1 on Windows Pc

Developed By: David Gray

License: Free

Rating: 1,0/5 - 1 votes

Last Updated: December 25, 2023

Download on Windows PC

Compatible with Windows 10/11 PC & Laptop

App Details

Version 29
Size 1.9 MB
Release Date January 29, 14
Category Business Apps

Description from Developer:
Getting a loan? Compute and manipulate the numbers to your advantage.

The interest rate here has a name, it's called the APR (annual percentage rate), this reflects the real t... [read more]

App preview ([see all 3 screenshots])

App preview

About this app

On this page you can download David Gray Project #1 and install on Windows PC. David Gray Project #1 is free Business app, developed by David Gray. Latest version of David Gray Project #1 is 29, was released on 2014-01-29 (updated on 2023-12-25). Estimated number of the downloads is more than 100. Overall rating of David Gray Project #1 is 1,0. Generally most of the top apps on Android Store have rating of 4+. This app had been rated by 1 users, 1 users had rated it 5*, 1 users had rated it 1*.

How to install David Gray Project #1 on Windows?

Instruction on how to install David Gray Project #1 on Windows 10 Windows 11 PC & Laptop

In this post, I am going to show you how to install David Gray Project #1 on Windows PC by using Android App Player such as BlueStacks, LDPlayer, Nox, KOPlayer, ...

Before you start, you will need to download the APK/XAPK installer file, you can find download button on top of this page. Save it to easy-to-find location.

[Note] You can also download older versions of this app on bottom of this page.

Below you will find a detailed step-by-step guide, but I want to give you a fast overview of how it works. All you need is an emulator that will emulate an Android device on your Windows PC and then you can install applications and use it - you see you're playing it on Android, but this runs not on a smartphone or tablet, it runs on a PC.

If this doesn't work on your PC, or you cannot install, comment here and we will help you!

Step By Step Guide To Install David Gray Project #1 using BlueStacks

  1. Download and Install BlueStacks at: https://www.bluestacks.com. The installation procedure is quite simple. After successful installation, open the Bluestacks emulator. It may take some time to load the Bluestacks app initially. Once it is opened, you should be able to see the Home screen of Bluestacks.
  2. Open the APK/XAPK file: Double-click the APK/XAPK file to launch BlueStacks and install the application. If your APK/XAPK file doesn't automatically open BlueStacks, right-click on it and select Open with... Browse to the BlueStacks. You can also drag-and-drop the APK/XAPK file onto the BlueStacks home screen
  3. Once installed, click "David Gray Project #1" icon on the home screen to start using, it'll work like a charm :D

[Note 1] For better performance and compatibility, choose BlueStacks 5 Nougat 64-bit read more

[Note 2] about Bluetooth: At the moment, support for Bluetooth is not available on BlueStacks. Hence, apps that require control of Bluetooth may not work on BlueStacks.

How to install David Gray Project #1 on Windows PC using NoxPlayer

  1. Download & Install NoxPlayer at: https://www.bignox.com. The installation is easy to carry out.
  2. Drag the APK/XAPK file to the NoxPlayer interface and drop it to install
  3. The installation process will take place quickly. After successful installation, you can find "David Gray Project #1" on the home screen of NoxPlayer, just click to open it.

Discussion

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Download older versions

Other versions available: 29.

Download David Gray Project #1 29 on Windows PC – 1.9 MB

Getting a loan? Compute and manipulate the numbers to your advantage.

The interest rate here has a name, it's called the APR (annual percentage rate), this reflects the real time value of money.

Many reputable lenders cheat, they use a method, which prior to 1940, was only used by loan sharks, called the rule of 78's.

The rule of 78s is different way of calculating interest in each payment. This method is called front loading. Meaning you pay more interest at the beginning of the loan than the time value of money would require. Why is this a rip-off?

Here is a thought experiment. If all the first payments are interest and you payoff the loan early, you will pay the full amount you borrowed plus interest that never accrued.

Here is an example: You borrow 10,000 and your payment is $200. Normally based on the time value of money a part of each payment is interest. At first a little over half the payment is interest ($100 approx.) declining over 7 years of the loan to the last payment where the interest component is $0. The reason that the interest cost declines is that as you make payments the amount borrowed becomes less making the interest owed less.

What if the beginning payments were all interest until all the interest was paid after which you started paying off the amount you borrowed? At the end of 3 year you have paid off all the interest now you can start paying of the loan. But what if you now paid off the loan. You would have paid $6,800 interest plus the original $10,000 loan for a total of $16,800 instead of $4,000 interest (based on the time value of money) plus the original $10.000 or $14,000. You would have paid $2,000 extra.

Now the rule of 78’s in not this extreme, but you get the idea.

Mortgage lenders who make long-term loans (20-30 years) are more up-front about it. The charge what are called points up-front, which is really just prepaid interest. Again if you pay off early, you paid too much. They count of this.

When we get married we think it will be forever. For car and house loans people change their mind every 3 to 5 years. For marriages it's a little longer. So avoid the rule of 78’s and up-front “points”. Ask for a amortizing loan based on the time value of money with 0 points.

Double check what the lender tells you. What should the payment be vs. what they quote? What is wrong with their numbers? Let see what they are really doing. Enter the length of the loan, interest rate, and loan amount and compute what the payment should be. Put in their payment, press % to see what interest they are really charging you. This is powerful tool for manipulating the numbers to your advantage.

Buy a house.
PV = 300,000
% = 3.75
N = 30 years
Press Pmt - to see the required monthly payment.

But what if you want a lower payment?

Enter the new payment (Pmt)
Press % - to see the required interest
or
Press N - to see the see the required years

What if you want to make the payments yearly, press the "Monthly" button several times to get to "Yearly", the payment will recalculate.

The interest rate (%) and years on loan (N) are always yearly/annual numbers.
The Pmt is Yearly, Monthly etc. Depending on the setting.

About the author: Having been a real estate broker for 40 years. I have seen all sorts of slimy lending practices. Armed with a tool like this is your best defense again getting robbed.