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Jan Karman
Middelburg (Neth)



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Jan Karman
Last revised: November 2018

Retiring together?
Challenges for dual earners


The proportion of dual earners among adults aged 60 years and over is increasing. In the Netherlands, we find that many older dual earners would like to retire at the same time, but are put off by the financial consequences. Due to the gradual increase of the public pension age, younger partners will have to continue working long after the older partner has retired. See more

Source: Demos/Nederlands Interuniversitair Demografisch Instituut







G A N U E N T A

Otium cum dignitate


"Reshuffling chaos"

Annuity Loan
(from: samples | K | Show | Annuity)
Free Download (180Kb)
See also: Most recent article


This program produces a survey of the amortization of an annuity loan.
In the top section of the screen are four controls for the data.
In the middle section are two controls and display of real interest and yearly annuity.
The bottom section shows the amortization scheme with one line for every payment, giving redemption part, interest part, net cost and balance.
The + and - buttons are supposed to behave like spinboxes.

Requested is to fill out or control by the user:
- initial amount of the annuity
- optional irredeemable part
- duration of the loan
- interest rate
- deductable percentage income tax
- frequency of payments

Jan Karman
Middelburg (Neth), November 2006

My music
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Actuarial & financial applications:
 Actuarial Factors
 Annuity Loan
 Graduation of Mortality
 Profit & Loss in Stocks
 The Price of Bonds
 Annuďteitslening
 Afronding van sterftetafels
 Bevolkingsstatistiek
 Huishoudboekje
 Ausgleichung von Sterbetafeln
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De Vleeshal Middelburg