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<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>Hello All,<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>First of all, I would like to thank you for the
awesome work. Kmymoney is a good tool and I use it a lot.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>I was checking the report for the stock exchange
« profit & loss » and I am a bit confused about the way it works.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>Practically, it does call the price of a share stored
in the price database, referring to a particular day. This is odd. Let me
explain.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>On the stock exchange market, prices are constantly
moving and you can buy a share on the morning at 10$ and sell it during the
afternoon at 12$. So how can the report be right then … which will be the
prices selected … Moreover, you can also buy a share with payment due at the
end of the month and you can postpone your payment from month to month
(prorogation in English ?) In this case, you also get 2 operations in one day.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>Other remark concerning this report: buy is plus (but
you give money out) & sell is minus (you get money in). So if you did good
operations, you find yourself with a “loss” in the report (minus amount). Also
weird to my point of view.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>Finally, the report should include a dormant operation
when you bought some shares and have not sold them already. With the quotation
of the day or so (or average during the last month ? So the report does not
figure a loss of 10’000 $ because you’ve bought them. Even if it is not sold,
it’s there and is meant to be sold (even in a long term view).<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>With those 3 points, the report would finally give a
correct view of the “profits & losses” you’re facing over the past year,
this year or whatever. Not a weird statement of something that is, in the end, not
usable at all by anyone unless you did buy & sell everything, at different
dates.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>Generally speaking, reports for investment are really
uneasy to use.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>I also use the loans tool. This tool should also be
reconsidered for different reason. Let me give you 2 examples :<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>1 loan in <st1:place w:st="on"><st1:country-region
w:st="on">Switzerland</st1:country-region></st1:place> for a house : you buy a
house and get some money from the bank. Let us say 100’000 CHF. The Swiss
system does not imply you to reimburse your loan. It is closer to a loan called
“in fine”.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>You are legally obliged to reimburse or place on a
frozen account minimum 1% of your loan per year. So here 1’000 CHF. And you
then pay an interest rate on the amount that is still your debt. If you
reimburse the 1% each year (or each month) your debt is decreasing and your
interests also. But if you pay those 1% on a frozen account, it does stay the
same and every 5 year you might (or not) use the opportunity to place an
extraordinary reimbursement. <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>So for a while you may have the same monthly payment
to do …<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>In <st1:place w:st="on"><st1:country-region w:st="on">France</st1:country-region></st1:place>,
some banks propose you to optimize your loans by combining 2 or more loans
together. (not merging, combining). For instance. Your get 120’000 € from your
bank with 2 loans. One for 40’000 € (loan 1) and one for 80’000 € (loan 2).
This money is to be given back within 10 years. (so let us approximate you have
to reimburse 12’000 € per year).<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>But for optimization reasons, the 40’000 € are placed
on 4 years and the 80’000 € on 10.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>During 4 years, you’ll pay 1’000 € monthly with an
interest rate of 3% and during the next 6 years you’ll continue to pay
1000 € a month but to reimburse the 80’000 € loan with a rate of 3.5%. Doing
so, you get a cheaper final price for your loan. And of course, you can
optimize this situation with as much level as you want (but generally 2 to 3 is
enough).<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>Today, those 2 kinds of loans are not possible with
Kmymoney or only with tricks (creating more than 1 loan).<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span lang=EN-US
style='font-size:10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span lang=EN-US
style='font-size:10.0pt;font-family:Arial;color:navy'>Last but not least, if
you want to use <a href="mailto:kmymoney-devel@kde.org">kmymoney-devel@kde.org</a>
you should update the website ;-) I was surprised to find the old address but I
thought you were still working on both since it’s what you get from the
official website.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span lang=EN-US
style='font-size:10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------</span></font><font
size=2 color=navy face=Arial><span lang=EN-US style='font-size:10.0pt;
font-family:Arial;color:navy'><o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>Best Regards,<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span lang=EN-US style='font-size:
10.0pt;font-family:Arial'>Jean-Eric Neidhardt, a user delighted by your work !<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-US
style='font-size:12.0pt'><o:p> </o:p></span></font></p>
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