NEW METHOD REVOLUTIONIZES THE FINANCIAL MATH

My name is JONAS LIEBL, 42 years old, Brazilian, bank employee, graduated in Accounting Science with specialization in Finances and Economic Engineering. I have been working in the past years, for my own initiative, on the research of calculation mechanisms related to Financial Mathematics, with emphasis on amortization systems and capitalization plans.

A thesis called "Liebl Method" to solve Financial Mathematics problems has arisen from this work. It is not only revolutionary on its academic conception but also concerning functions for financial calculators and softwares for computers.

It consists, basically, in the deduction of a single generic formula capable of solving problems of French System of Amortization, American System, Canadian Mortgage, German System, Amortization Systems in Crescent and Decreasing Gradient, Compound System of Amortization with Real Crescent Installments, Constant Amortization System, Compound System of Amortization and Crescent Amortization System, as well as the Capitalization of Uniform Series and Series in Crescent and Decreasing Gradient.

Its practical utility can not be denied since it reduces the quantity and the complexity of the existing formulas in the technical literature, besides, it represents a meaningful leap forward concerning quality if it is used in the production of financial calculators and softwares, increasing, considerably, the capacity of solution of problems without affecting the internal memory space.

With the aim of continuing the development of the researches to implement these innovations, I would like to count on the support and sponsorship of a renowned educational institution or companies that have some interest on it. I am at your disposal to present my thesis to the scientific community and experts in the subject.

I believe I can contribute to the evolution of the science in this field, and, maybe, transform my thesis in a historical mark of the Financial Mathematics, making known a method that certainly will help millions of users world wide.

WHAT IS THE "LIEBL METHOD" TO SOLVE
FINANCIAL MATH PROBLEMS ???

The "Liebl Method" is a set of procedures which allows us to solve capitalization plans and amortization systems problems derived from uniform series and arithmetical progression series, making use of a single generic formula.

Therefore it deals with the French System of Amortization, the American System, the Canadian Mortgage, the German System, the Series in Crescent and Decreasing Gradients, the Compound System of Amortization with Real Crescent Installments, the Constant Amortization System, the Compound System of Amortization and the Crescent Amortization System, as well as the capitalization of the respective series.

Among the possible calculations are:
- loans and financing in the anticipated, postponed and deferred modes, with float, flat, and combined flat and float;
- capitalization plans;
- settlement of debits to anticipated payment;
- extraordinary amortization for reduction of the installment value;
- extraordinary amortization for reduction of the financing term;
- extraordinary amortization for reduction of the installment value and financing term combined;
- incorporation of the overdue payments with the raise of the installment value;
- incorporation of the overdue payments with the extension of the financing term;
- incorporation of the overdue payments with the raise of the installment value and extension of the financing term combined;
- renegotiation of the loan with extension of the term;
- renegotiation of the loan with reduction of the term;
- renogotiation of the loan with reduction of the interest rate;
- renegotiation of the loan with the raise of the interest rate;
- renegotiation of the loan with alteration of amortization system;
- renegotiation of the loan with alteration of amortization system, term and/or interest rate combined.

It can be operated by calculators that hold the SOLVER function, reaching its full potential with calculators that deals with algebraic object - as the ones from the family of the Hewlett Packard 48, and with the EXCEL electronic spread sheet from Microsoft.

PRACTICAL EXAMPLE FOR ELECTRONIC SPREAD SHEET

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My home town Curitiba

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Contact : jonasliebl@netpar.com.br