Current state of affairs
Welcome to our communications page!
Our efforts have sadly yielded mildly unsatisfactory results, meaning we have managed to produce results that are incrementally less and less... well; sad. I fully understand that this is a rather gloomy post.
It's difficult to stay positive in this environment, thus I am poising for new and unorthodox processes to potentially unveil an idealistically greater result than that which is currently expected of our organization (if it can even be called one at that).
Belligerence is a virtue, and to trust your gut against all odds is ironically liberating (to some extent), hence a breakdown of our latest news is ado.
ZephirexASCEND - Debt-payoff calculator
As we anticipate even further financial turmoil within the global and local economies, we have developed the ZephirexASCEND debt calculator, here are some of the details about it.
Q: How does it work?
A: Simply by entering basic information about your current situations, it will calculate locally and without using any of your personal information, all you have to do is provide some numbers (which may or may not be accurate, it's up to you).
Q: What does ZephirexASCEND calculate?
A: It analyzes your debt in 3 different ways which are the selections of: Beat the Bank, Pay it My Way, and Pay Off by Date. What this means is that you can enter 2 of 3 values: your debt balance, the APR, or the Payoff Date to make the final payment successfully, and it will provide the third value
The calculator requires two data points of the three to calculate the missing data (think of it like the Pythagorean theorem but for debt), this gives you greater insight into your weekly payments in relation to your APR, as well as the final pay off date.
Q: Can you provide an example of its use?
A: Yes, let's say you owe $18,000.00 USD in credit card debt as the total sum of your debt, and you would like to pay 5% extra to your current APR (logically we wish we could pay less, but paying less than the current APR is most disadvantageous), so if your APR is approximately 20% you can enter the value of 25% and it will give you the weekly total you should pay.
Another example is if you wish to pay off the same $18,000.00 USD (or any currency), before the end of the year, all you have to do is choose the Pay Off by Date option, and you can give it an approximate date you would like to finish paying off everything and it will give you the weekly amount you should pay for you to rid yourself from that debt.
Q: Will this work with other currencies?
A: Yes, by design our calculator is designed to work with any unit, but please keep in mind that the formatting is based in EN_US only, so use the decimal (.) to indicate parts of the whole (like cents are to the dollar), and the comma (,) to indicate by the thousands i.e: 20,000,000.00 equals 20 million (if you so happen to owe 20 million Zimbabwe dollars for example).
Q: Is this calculator free to use?
A: Yes, the calculator is currently free here: https://ascend.zephirex.one, and we are accepting Donations at https://ko-fi.com/zephirex
In short,
Thank you for your read, and we hope you can make excellent use of our custom open-sourced and free-to-use software called ZephirexASCEND.
Disclaimer: We are not responsible for any financial mishandlings or errors in the calculator, this is for educational purposes only. Please use this tool with caution, and be aware that your payments should always exceed the interest rate of your obligations, and paying a lower percentage of interest than your minimum and/or APR (Whichever is greater) will result in accruing more debt and as such, paying less than said amount is absolutely discouraged.
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