<br><br><div class="gmail_quote">2012/2/16 Thomas Baumgart <span dir="ltr"><<a href="mailto:thb@net-bembel.de">thb@net-bembel.de</a>></span><br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
Hi,<br>
<div class="im"><br>
on Thursday 16 February 2012 06:47:41 hugo borrell wrote:<br>
<br>
> Hello,<br>
><br>
> I am trying hard to use the "loan" accounts of KMM to reproduce what<br>
> happened to me, and I can't figure out how to do it : loan has started 2<br>
> years ago, rates have varied annually and I have made an early refund that<br>
> changed my monthly fee.<br>
><br>
><br>
> 1) when creating the initial loan, all that is recorded in the registry is<br>
> a serie of operations that have all todays'date. I would expect the monthly<br>
> loans of the 2 previous years !<br>
<br>
</div>Are they shown in black or gray (dimmed)? I expect the later and they are a<br>
preview of a scheduled transaction. So no transaction has been entered into<br>
the ledger yet. This is backed up by the current balance of 0 (see step 2).<br></blockquote><div><br></div><div>You are true, this is gray. BTW I am surprised to see 25 schedulled transactions for today : I suppose they are the 25 past transaction which are schedulled for today, but I don't really get why TODAY instead of the past 25 monthes. I would expect 25 black past transactions and many gray future transactions... Is that Because of step 2 ? </div>
<div> </div><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
<div class="im"><br>
> 2) On the main page, the account is created as "passive" but whith amount<br>
> 0. I would expect the actual value, i.e. initial value minus what has been<br>
> refunded up to now...<br>
<br>
</div>"Passive" I assume means under the group of Liability accounts (in contrast to<br>
possibly "Active" as in Assets). To start with, the money out of the loan must<br>
have gone somewhere. E.g. in case you buy a house and need a loan, you would<br>
have two accounts, one for the house (asset) and one for the loan (liability).<br>
Now if you buy the house, you enter a transfer from the loan account to the<br>
house. It's not an expense, since you still own the house. Now if you pay your<br>
monthly dues to the loan, the balance on it shrinks over time.<br></blockquote><div><br></div><div>I saw this option of transfering the money to some other account value (that's a house, precisely), but choosed not to use it since money in the house I live in is not money I can use (unless to buy another house) and is money that I'm unsure about the value : I know how much I bought my house, I have no idea of today selling price, not to mention the price it will be sold when I die... Or choose to move.</div>
<div>BTW the loan could have been taken for some holidays or goods that cannot be sold again...</div><div><br></div><div>So how can I let the loan be some sort of an expense, like a "passive" account with a negative value of the money I would have to pay back to get rid of it ? This would let me know how balanced I am between "active" (savings) and "passive" (loans)...</div>
<div><br></div><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
<div class="im"><br>
> 3) How can I add an anticipated refund at some point ?<br>
<br>
</div>I expect you are talking about an extra payment towards the loan account to<br>
reduce the balance even more: Simply add a transfer transaction from e.g. your<br>
checking account (or whereever the money came from) to the loan account and<br>
you're set.<br></blockquote><div> </div><div>Will KMM automaticaly calculate the interests again to ajust to the new situation ?</div><div> </div><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
<br>
Does that help?<br></blockquote><div><br></div><div>It's on the way :-)</div><div> </div><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
<span class="HOEnZb"><font color="#888888"><br>
--<br>
<br>
Regards<br>
<br>
Thomas Baumgart<br>
<br>
GPG-FP: E55E D592 F45F 116B 8429 4F99 9C59 DB40 B75D D3BA<br>
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Laziness led to the invention of the most useful tools.<br>
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