447 Whether you are someone who works full-time in finance, a business student or a businessman, here are two new downloadable programs that turn your iPod into a powerful and important tool for you to use in these trying economic times.
 
Formulator – the dynamic $6.95 download that contains over 90 of the most useful financial calculation formulas
 
Personal Formulator - a 99 cents version that contains only personal financial calculation formulas.
 
Formulator makes it easy to quickly find what you need. You can search, mark formulas as favorites, or access recently used formulas.
 
Formulator combines a financial dictionary with financial calculator.  The program contains over 70 useful financial calculation formulas. Each formula both calculates the entered values and explains the meaning and importance of those calculations. 
 
Formulator includes calculation formulas used by consumers (e.g. mortgage and lease calculators), as well as formulas needed by financial analysts, (e.g. Acid Test Analysis, or a Z credit score analysis.)
 
Other areas of formulas found in Formulator include: Insurance calculations, interest formulas, stock valuations, bonds, cash flow analysis and sales ratios, investment formulas, debt ratios.
 
 Personal Formulator is among the first of a series of iPhone products being created by Multieducator.
 
To download these programs go to the Apple iTunes Gift Store and look for Formulator and Personal Formulator.  
 
Detailed List: 
 
Formulator contains the following formulas:
 
Actual Cash Value, Insurance Reimbursement, Future Value, Daily Interest, Interest Computation, Days of Savings, Annual Percentage Rate, Discounted Value of Note, Holding Period Return, Capitalization Rates, Equivalent Taxable Yield, Housing Affordability, Car Lease Payments, Interest Rate on Car Lease, Acid Test, Debt Service Ratios, Interest Coverage, Asset Utilization, Accounts Receivables Turnover Ratios, Bad Dept to Sales Ratios, Debt Ratio, Debt to Equity, Delinquent Sales Outstanding, Inventory Turnover Ratio, Depreciation-Yearly, Cash Flow to Total Debt Ratio, Cash to Current Liabilities, Cash to Working Capital, Cash Flow Ratios, Cash Coverage Ratios, Current Ratio, Free Cash Flow, Net Working Capital, Z Formulas, Sales to Debt, Sales to Receivables, Sales to Current Assets, Sales to Administrative Costs, Sales to Cash, Sales Per Person, Selling Expenses vs. Net Sales Ratios, Gross Profit Margin, Profit Margin of Sales, Inventory Turnover, Breakeven Analysis-Units, Operating Cycle in Days, Inflation Adjusted Price, Horizontal Analysis, Working Capital in Days, Cost of Debt(Bonds), Cost Preferred Stock, Cost of Common Stock, Bond Yield, Cost of Credit, Effective Annual Yield, Investors Capital To Sales, Capital to Noncurrent Assets, Return on Investment, Cash on Cash Investment, Opportunity Cost, Authorized to Issued Shares, Stock Options vs. Shares Outstanding, Book Value Per Share, Price To Earnings Ratio, Earning Rate on Investments, Price to Sales Ratio, Payout Ratio and Price to Book Ratio.
 
Thirty formulas are included in this personal addition of the Formulator. Whether you are shopping and want to know how a purchase will increase your minimum monthly payments, or you need to calculate what your final cost will be after multiple discounts, this application is for you. The program also includes conversion formulas for many daily needs: such as miles to Kilometers, or meters to feet... Cooking conversions formulas that convert tablespoons to milliters or ounces to grams... tip calculations, car loans, insurance reimbursements, and monthly car loans. All formulas can be saved for future reference. In addition you can create your own list of preferred formulas AND our formulas each include a description that explains the calculations
 
For more information visit:
http://www.multieducator.net

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