Features of this app:
- Calculate monthly payment depends on loan amount.
- Calculate loan amount depends on necessary monthly payment.
- The possibility of calculating repayment schedule, with the option of calculating interest: daily or monthly.
- The possibility of reflecting on the schedule early redemption amounts with the option of converting the further repayment schedule: decreasing the loan term or decreasing the monthly payment.
- The possibility of choosing any date of loan.
- The possibility of saving current calculations and loading previously saved.
- The possibility of changing language: Settings -> Language
Using this app you can track repayment of your personal or car loans, or mortgage.
Calculation:the monthly payment, the amount of interest paid, the total cost of credit, amortization schedule and a comparison of all these indices between different loans.
About all issues please report to project home page or to my E-mail address.
Open source software, http://code.google.com/p/android-simple-loan-calculator
* TVM Calculator
* Currency Converter
* Loan, Loan Comparison and Refinance Calculator
* Compound Interest Calculator
* Retirement/401k Calculator
* Credit Card Pay Off Calculator
* Tip Calculator
* Regular Calculator
* Annual Percentage Rate (APR) Calculator
* Return on Investment (ROI) Calculator
* Auto Loan/Lease Calculator
* IRR NPV Calculator
* Percentage Calculator
* Bond Calculator
* Stock Calculators: Stock Return Calculator, Constant Growth Stock; Non-constant Growth Stock; Capital Asset Pricing Model; Expected Return
* Commercial Loan Calculator
* Miscellaneous Calculations
The app allows you to edit and prioritize the list of calculators for easy access.
Only Currency Converter needs internet access to retrieve the latest currency exchange rate. All other calculators don't need the Internet access.
A note on development. This is a free app and it benefits me when you rate it highly. So please take the time to rate this if it helped you. If you have any issues with this app please email me at email@example.com, with details on how it crashed, what version of Android you have running, and your phone model.
See Mortgage Calc Pro or Full for all features unlocked!
App to calculate mortgage or Auto payment & amortization. Advance mode will determine PMI and sum up other expenses. With Color Option, Prepayment.
Also available on popular demand, Bi-Weekly payment option.
Issue? Contact dev.
New: Debt to Income!
If you repay a loan or want to raise a mortgage or a car loan, the application will help you to answer the following important questions:
✔ How much do you overpay to your bank with the interest payments?
✔ What is your monthly loan repayment amount?
✔ How much can you save making an early repayment of your loan or its part?
✔ When will you complete repaying your loan if you make early repayments?
The main application features:
✔ CALCULATION OF ANY TYPE OF LOANS
The application can be used to make calculations for a car loan, a consumer loan and a student’s loan as well as a mortgage.
There is an option to choose among two types of payments for the mortgages: annuity or graduated payments.
✔ CONVENIENT PAYMENT SCHEDULE
You can easily determine holidays in the schedule. You can clarify how much and when you must pay. The schedule can also show you how early repayments and changes in the interest rate of your loan influence the monthly payment amount.
✔ EARLY REPAYMENTS AND CHANGES IN THE INTEREST RATE
The application lets you take into account all early repayments and changes in the interest rate of your loan. You will always be aware of the next payment and what it will be if you make a specific early repayment of the loan.
✔ KEEPING RECORDS FOR NUMEROUS LOANS
The application will allow you to store information related to all your loans, upload the one that you need to process and look through the saved loan.
✔ USER-FRIENDLY INTERFACE AND ACCURATE CALCULATIONS
The application differs from its peers with a user-friendly, bright and intuitive user interface. The accuracy of its calculations was checked by specialists of the leading banks.
Please send your comments and ideas to firstname.lastname@example.org and we will answer you by all means.
This free app contains two main features:
1. Calculate Monthly Payments based on the purchase price of the vehicle (Auto Loan Payment Calculator)
This tool allows the buyer to determine the true total and monthly cost of the vehicle based on the sticker or negotiated price of the car.
* User inputs the car price, sales tax, down payment, trade-in, finance term and interest rate.
* The app calculates and displays the monthly payment, the total interest paid and the total cost of the vehicle.
* User may additionally input dealer fees, plate/registration fees and any other miscellaneous fees (i.e. optional two-year maintenance package) for the calculation.
2. Calculate the Target Purchase Price of the vehicle based on desired monthly payments (Affordability Calculator)
This tool allows the buyer to set the maximum purchase price of the vehicle based on a monthly budget. This is an essential tool to keep you under your budget when negotiating your next car purchase.
* User inputs desired monthly payments along with the sales tax, down payment, trade-in, finance term, interest rate and any other fees.
* The app calculates and displays the purchase price of the vehicle both before and after tax as well as the total cost of the vehicle including interest.
**NOTE: For both tools, the user has the option of choosing whether or not sales tax is applied to dealer fees and/or trade-ins.
**This app calculates payments on 0% interest and gracefully handles erroneous input values.
- amount + duration + rate -> monthly payment
- duration + rate + monthly payment -> amount
- amount + rate + monthly payment -> duration
- amount + duration + monthly payment -> rate
Suitable for all types of loans: mortgage loan, car loan, ...
This single form helps finding its ideal financing by trial and error. For example:
- I'm considering buying a property $ 250,000, loan rates are around 4% and I prefer borrowing over 20 years.
- So I know the amount [250 000] duration , rate  and requests the calculation of the monthly repayment. The amount: $ 1,514.95.
- I only have a monthly budget of $ 1400.
- I then replace the monthly payment calculated by  and ask to recalculate my borrowing capacity. Its amount $ 231,030.
- It is probably too low to negotiate the price with the seller. What if I increased the loan period?
- I replace the term by  and request to recalculate my borrowing capacity. Its amount $ 245,536.
- Maybe I could negotiate a bit the rate to the bank to do even better.
- I replace the rate by 3.9% and recalculate my borrowing capacity. Its amount $ 247,865.
- An offer at that price will surely be accepted.
Possible inclusion of insurance fees.
Can be installed on SD Card.
Please report potential issues on http://www.ameyniel.com.
The set of four loan calculators that will help to select the best loan conditions.
***** Monthly Payment Calculator will help to quickly estimate the monthly payment of a loan.
***** Loan Amount Calculator will help to estimate the biggest possible loan amount.
***** Interest Rate Calculator will help to calculate the true interest rate of a loan.
***** Loan Term Calculator will help to select a comfortable loan term.
Moreover, Calculation History stores all calculations made so you can compare conditions and repeat any calculation.
+ No Ads!
+ Enjoy! :)
Enter a down payment amount or percentage and let the calculator show how large a mortgage you require.
See how the monthly payment changes when you factor in additional monthly or annual loan costs such as PMI, HOA, taxes and insurance.
The calculator supports Fixed and Adjustable Rate Mortgages (ARM) loans with up to five changes in interest rates. Interest-only mortgages loans are also supported.
You can pay off your mortgage early with extra payments. Add one-off, monthly and annual extra payments. Choose up to ten additional extra payment amounts and payment periods and the calculator will show how much money you can save on the loan.
Choose from weekly to annual loan payments and adjust the compounding period from daily through annual periods. The calculator supports Canadian mortgages along with UK annual rest mortgages.
Multiple rounding options on loan calculations are also available. Choose between no rounding, round half up, half down, to even, to ceiling and to floor.
The calculator also supports the input and display of multiple currencies.
- Internet access required for adverts and analytics
- External storage access required to store email attachments prior to sending
Click on the menu item "Yearly AT" to view your yearly Loan Amortization Schedule.
Recompute previous data on startup
-Input in the loan amount, interest rate and the installment period in years
-Screen is kept ON while app is on
-Screen orientation is fixed to portrait
-Option to clear all the fields
Please donate at least USD 1.5 via in-app donate to remove ads for all of my current apps on Play Store! Appreciate if you could donate more to encourage me to develop more useful apps like these! Thanks in advance!
A simple loan (mortgage) calculator will help you check what your payment plan will be. It also shows the complete amortization tables (monthly).
Keywords: loan calculator, loan calc, mortgage calculator, mortgage, calc, lease calculator, lease
More from developer
With SMS Crypto Lock you can quickly exchange encrypted text messages, which will reach the destination by the SMS system of your Android device. Download the application, choose your own password (must contain al least one digit!), exchange with your lover the encryption keys, and you're done!
The encryption system of Love Secret SMS is based on the Serpent algorithm that was a candidate for selection for the AES standard encryption by the National Security Agency (NSA), in which ranked second because of speed issues, but, by all, it is considered safer than the current standard! SMS Crypto Lock takes all precautions to make 100% safe your communication, the messages are encrypted with a key of 32 characters randomly selected between 80 symbols whereby the probability to decrypt a message is comparable to that of winning the lottery for seven consecutive extractions, guessing the numbers in their exact order!
Even if your husband or your wife is an experienced electronics engineer, dismantling and analyzing the data on your phone, could do nothing to decipher your messages because nothing in your phone memory is stored in plain text: all messages, all data and all the keys are stored in encrypted form. For maximum safety, you may choose a secure password!
SMS Crypto Lock allows minimum password length of 8 and maximum 32 with at least one digit, but remember that the longer the password is and contains numbers and symbols, the farther away divorce will be!
Usage of SMS Crypto Lock is simple and intuitive, it looks like a normal sms messaging application. In the tab “Send" you can search a number in your address book, compose the message and send it, in tab “Sms” you have an archive of all messages and touching an encrypted message, an alert will show the clear text of the message. This mechanism may appear inelegant, but ensures that no plain text is saved on the phone storage even by the operating system in a temporary way. In the third tab “Contacts” will be listed the contacts with whom has been exchanged the encryption key and with whom you can exchange encrypted messages. You will also find the button to start the simple and fast bluetooth key exchange process. One of the two will send the contact, the other has only to make visible his or her own device, always in the bluetooth exchange contacts. Lastly, in the tab “Settings”, you can change the master password to access to SMS Crypto Lock and set a reset password which resets to zero the application configuration if used at boot, making it impossible to decipher any message. Enjoy your privacy!
From amotization schedule view you can export to excel all the payment , the schedule file will be saved in the folder BravawareMortgageCalc.
Is typically amortizing loan amortization schedule in some banks and financial loan principal during the term of the loan to pay down loans and interest as part of the loan payment equal payments.Each be configured with some of the principal. Amortizing loans mortgage loans generally. for amortizing loans calculate pension who is using the time value of money formulas. Amortization schedule calculator is often a monthly payment to fit comfortably in your budget until you are used to adjust the amount of the loan, interest rates can make the difference in the kind of speed one can afford a better home or car may vary. Also can not reveal the exact amount of each payment goes towards principal out the exact amount going towards interest and amortization calculator. These figures are in chronological order throughout the term of the loan amortization payment schedule delineating the table.
There are two different ways you can find a product. You can either scan the product barcode or can type in keywords (in this case, it’s better to search by detailed items such as "EOS 600" and not "reflex camera"). When the results come back with the list of the product matching the keywords, along with product photos and specifications, click on a list and see ranging prices from the four main Amazon stores, and then click on the cheapest pricing available.
Maximise your shopping experience by saving the link of your favorite items for lookup and tracking in the future.
The European Guarantee covers damage or defects of products.
With Love Secret SMS you can quickly exchange encrypted text messages, which will reach the destination by the SMS system of your Android device. Download the application, choose your own sectret keys exchange with your lover the encryption keys, and you're done!
The encryption system of Love Secret SMS is based on the Serpent algorithm that was a candidate for selection for the AES standard encryption by the National Security Agency (NSA), in which ranked second because of speed issues, but, by all, it is considered safer than the current standard!
trick: use different keys for different partners ;)
Si vince, dopo aver scommesso su una schedina, indovinando:
il terno, ovvero tre numeri;
la quaterna, ovvero quattro numeri;
la cinquina, ovvero cinque numeri;
il cinque più uno, ovvero cinque numeri più il numero jolly;
il sei, ovvero i sei numeri della combinazione base (escluso il numero jolly).
La giocata minima si ottiene marcando due combinazioni (sei numeri su ciascun pannello) per un importo pari a 1,00 €, mentre la giocata massima su una schedina è di 27.132 colonne (corrispondente ad una giocata di 19 numeri su un pannello) per un importo pari a 13.566,00 €.
Il numero SuperStar è un numero casuale tra 1 e 90, indipendente dalla sestina del Superenalotto ed è abbinato alle combinazioni per le quali è stata scelta l'opzione "SuperStar". È inoltre possibile al momento della convalida vincere premi istantanei: vengono infatti assegnati premi (da 5,00 € a 10.000 €) ogni 1.000 combinazioni convalidate nel territorio nazionale con l'opzione SuperStar. In caso di un'eventuale vincita il terminale emette un segnale acustico ed il titolo con il quale è possibile incassare, immediatamente e in contanti, la vincita presso il punto di vendita.
Oltre alla vincita regolare del gioco, nel caso in cui venga indovinato anche il numero SuperStar (o anche solo indovinando il numero SuperStar senza nessuna vincita regolare) si ha diritto a premi aggiuntivi.
Powerball is an American lottery game sold in 44 jurisdictions as a shared jackpot game. It is coordinated by the Multi-State Lottery Association (MUSL), a non-profit organization formed by an agreement with lotteries. As of its latest format change on January 15, 2012, Powerball's minimum advertised jackpot is $40 million (annuity) with a potential of nine-figure prizes. Its annuity option is paid in 30 graduated installments; winners may choose cash instead. Powerball drawings are held Wednesdays and Saturdays at 10:59 p.m. Eastern time. The game uses a 5/59 (white balls) + 1/35 (Powerballs) matrix from which winning numbers are chosen.
Powerball games had always cost players $1; a game with the Power Play option, added in 2001, cost $2. As of the January 15, 2012 format change, each selection of six numbers costs $2; with Power Play, $3.
The official cutoff time for ticket sales is 10 pm ET; some jurisdictions cut sales earlier. The drawings usually are held at the Florida Lottery’s high-tech studio in Tallahassee. Before, the drawings were held at Universal Studios in Orlando (prior to 2009, its drawings usually were held in Iowa.) On the night of each drawing, there are 6 prerecorded draws: four "test" drawings, then the actual drawing, followed by a "post test" draw. Some drawings were held away from headquarters to promote the game's expansion to a new jurisdiction. The results of drawings are not official until they are audited by the accounting firm Harvey, Covington & Thomas, LLC
Powerball, on February 18, 2006, produced the third-largest prize awarded for one set of numbers drawn in a US lottery game. The prize was $364 million; the eight people sharing the ticket chose the cash option, splitting $177,270,519.67 before withholdings. (Mega Millions produced the two biggest jackpots in American history.)
Mega Millions is a US multi-jurisdictional lottery game. Since it replaced The Big Game in May 2002 , Mega Millions' advertised jackpots have started at $12 million, paid in 26 yearly installments (unless the cash option is chosen), increasing when there is no jackpot winner. Reflecting common practice among American lotteries, the jackpot is advertised as a nominal value of annual installments. A cash value option, when chosen by a jackpot winner , pays the approximate present value of the installments. Mega Millions currently uses a 5/56 (white balls) + 1/46 (the Mega Ball) double matrix to select its winning numbers. Each game costs players $1; in most of the 42 Mega Millions jurisdictions, players may opt to pay an extra $1 per game to multiply their non-jackpot prizes by 2, 3, or 4 with the Megaplier. (The Megaplier was made available to all Mega Millions players in January 2011; it began as a Texas-only option.) Mega Millions is drawn at 11pm Eastern time Tuesdays and Fridays, including holidays. The drawings usually are held in Atlanta, Georgia. Mega Millions' second largest annuity jackpot ($380 million), and largest cash jackpot ($240 million), was for the January 4, 2011 drawing; two tickets, one each from Post Falls, Idaho, and Ephrata, Washington, matched all six winning numbers, winning $190 million (annuity) each. The holders of each ticket chose the cash option (WikiPedia).
allow you to calculate the amount of present value of a cash flow time series.
you must enter all the cash flow by specifying the amount, the interest rate and the number of periods in the future or in the past (giving a negative sign) to which it relates.
definition from wikpedia
In finance, the net present value (NPV) or net present worth (NPW) of a time series of cash flows, both incoming and outgoing, is defined as the sum of the present values (PVs) of the individual cash flows of the same entity.
In the case when all future cash flows are incoming (such as coupons and principal of a bond) and the only outflow of cash is the purchase price, the NPV is simply the PV of future cash flows minus the purchase price (which is its own PV). NPV is a central tool in discounted cash flow (DCF) analysis and is a standard method for using the time value of money to appraise long-term projects. Used for capital budgeting and widely used throughout economics, finance, and accounting, it measures the excess or shortfall of cash flows, in present value terms, above the cost of funds.
NPV can be described as the “difference amount” between the sums of discounted: cash inflows and cash outflows. It compares the present value of money today to the present value of money in the future, taking inflation and returns into account
The NPV of a sequence of cash flows takes as input the cash flows and a discount rate or discount curve and outputs a price; the converse process in DCF analysis — taking a sequence of cash flows and a price as input and inferring as output a discount rate (the discount rate which would yield the given price as NPV) — is called the yield and is more widely used in bond trading.
L'inflazione derivante dall'aumento dei prezzi delle materie prime o dall'aumento dei prezzi dei prodotti agricoli è definita agflazione. Con l'innalzamento dei prezzi, ogni unità monetaria potrà comprare meno beni e servizi, conseguentemente l'inflazione è anche un'erosione del potere d'acquisto dei consumatori.
L'inflazione può avere diverse cause, e non c'è completo accordo su quale sia quella che influisce di più. L'aumento dell'offerta di moneta superiore all'aumento della produzione di beni e servizi, stimolando la domanda di beni e servizi e gli investimenti in assenza di un corrispondente aumento dell'offerta è considerata una causa dell'aumento dei prezzi. Secondo John Maynard Keynes l'inflazione dipende dalla domanda, che però può crescere a prescindere dalla quantità di moneta immessa se ci si trova in una situazione di piena occupazione, in cui quindi la domanda cresce per la crescita dei salari. Altre cause sono l'aumento dei prezzi dei beni importati, l'aumento del costo dei fattori produttivi e dei beni intermedi, in seguito all'aumento della domanda o per altre ragioni.
SMSGATEWAY. First copy is contained in a text file named "sms_backup.txt." This file has one row for each message received.
In each row there are presents the sender's name if it is contained in your contacts, the sender's number and the body of the message.
Similarly messages are stored in a second excel file named "sms_sheet."
In this file, the message body breaks into many fields contained in adjacent cells depending on the parts of the text contained in the original message between ‘*’ character.
Message Body = "Eric Smith * 405 Liberty Lane * Wilmington * NC * 28409"
each ‘*’ separate part of the message will be contained in a different cell on the same line.
Now using a one-way synchronization application to a cloud storage (eg Dropbox, google drive, etc.), you get the unpacked messages on a work station in a easy way.
Please. If you have any problem with the app don’t vote 1 ! , but contact us at email@example.com
Not tipping in the United States is pretty scandalous. First of all, food is cheaper there and the portion size is set to "obesity crisis" most of the time. Secondly, it's well known that tips are needed in the US to bring waiters' pay levels up to par. And much more importantly US customer service is about ten billion times better than other customer service.
Tipping scene from reservoir dogs
Nice Guy Eddie: C'mon, throw in a buck!
Mr. Pink: Uh-uh, I don't tip.
Nice Guy Eddie: You don't tip?
Mr. Pink: I don't believe in it.
Nice Guy Eddie: You don't believe in tipping?
Mr. Blue: You know what these chicks make? They make shit.
Mr. Pink: Don't give me that. She don't make enough money, she can quit.
Nice Guy Eddie: I don't even know a fucking Jew who'd have the balls to say that. Let me get this straight: you never ever tip, huh?
Mr. Pink: I don't tip because society says I have to. Alright, I tip when somebody really deserves a tip. If they put forth an effort, I'll give them something extra. But I mean, this tipping automatically, that's for the birds. As far as I'm concerned they're just doing their job.
Mr. Blue: Hey, this girl was nice.
Mr. Pink: She was okay. But she wasn't anything special.
Mr. Blue: What's special? Take you in the back and suck your dick?
Nice Guy Eddie: I'd go over twelve percent for that.
Mr. Pink: Look, I ordered coffee, alright? And we been here a long fucking time and she's only filled my cup three times. When I order coffee I want it filled six times.
Mr. Blonde: Six times? Well, what if she's too fucking busy?
Mr. Pink: The words "too fucking busy" shouldn't be in a waitress's vocabulary.
Nice Guy Eddie: Excuse me Mr. Pink, but the last fucking thing you need is another cup of coffee.
Mr. Pink: Jesus Christ man, these ladies aren't starving to death. They make minimum wage. You know, I used to work minimum wage and when I did I wasn't lucky enough to have a job the society deemed tipworthy.
Mr. Blue: You don't care if they're counting on your tips to live?
Mr. Pink: [rubbing his middle finger and thumb together] You know what this is? The world's smallest violin playing just for the waitresses.
Mr. White: You don't have any idea what you're talking about. These people bust their ass. This is a hard job.
Mr. Pink: So is working at McDonald's, but you don't see anyone tip them, do you? Why not, they're serving you food. But no, society says don't tip these guys over here, but tip these guys over here. It's bullshit!
Mr. White: Waitressing is the number one occupation for female non-college graduates in this country. It's the one job basically any woman can get, and make a living on. The reason is because of tips.
Mr. Pink: Fuck all that! I'm very sorry the government taxes their tips, that's fucked up. That ain't my fault. It would seem to me that waitresses are one of the many groups the government fucks in the ass on a regular basis. Look, if you show me a piece of paper that says the government shouldn't do that, I'll sign it, put it to a vote, I'll vote for it, but what I won't do is play ball. And this non-college bullshit you're givin' me, I got two words for that: learn to fuckin' type, 'cause if you're expecting me to help out with the rent you're in for a big fuckin' surprise.
Mr. Orange: You know what, you just convinced me. Gimmie my dollar back!
allows you to calculate the purchase value variation of a given quantity of money from a year to a different year. This, in line with the time series of inflation Consumer Price Index (CPI) provided by the Bureau of Labor Statistics
Inflation Definition from Wukipedia.
In economics, inflation is a persistent increase in the general price level of goods and services in an economy over a period of time. When the general price level rises, each unit of currency buys fewer goods and services. Consequently, inflation reflects a reduction in the purchasing power per unit of money – a loss of real value in the medium of exchange and unit of account within the economy. A chief measure of price inflation is the inflation rate, the annualized percentage change in a general price index (normally the consumer price index) over time.
Inflation's effects on an economy are various and can be simultaneously positive and negative. Negative effects of inflation include an increase in the opportunity cost of holding money, uncertainty over future inflation which may discourage investment and savings, and if inflation is rapid enough, shortages of goods as consumers begin hoarding out of concern that prices will increase in the future. Positive effects include ensuring that central banks can adjust real interest rates (to mitigate recessions), and encouraging investment in non-monetary capital projects.
Some economists maintain that high rates of inflation and hyperinflation are caused by an excessive growth of the money supply, while others take the view that under the conditions of a liquidity trap, large injections are "pushing on a string" and cannot cause significantly higher inflation. Views on which factors determine low to moderate rates of inflation are more varied. Low or moderate inflation may be attributed to fluctuations in real demand for goods and services, or changes in available supplies such as during scarcities, as well as to changes in the velocity of money supply measures; in particular the MZM ("Money Zero Maturity") supply velocity.However, the consensus view is that a long sustained period of inflation is caused by money supply growing faster than the rate of economic growth.
Today, most economists favor a low and steady rate of inflation.Low (as opposed to zero or negative) inflation reduces the severity of economic recessions by enabling the labor market to adjust more quickly in a downturn, and reduces the risk that a liquidity trap prevents monetary policy from stabilizing the economy. The task of keeping the rate of inflation low and stable is usually given to monetary authorities. Generally, these monetary authorities are the central banks that control monetary policy through the setting of interest rates, through open market operations, and through the setting of banking reserve requirements.
con il nome e/o cognome del contatto.
Dopo avere selezionato uno dei gruppi presenti nella vostra rubrica scrivete il vostro sms
##fn nel testo sarà sostituito con il nome del contatto.
##ln nel testo sarà sostituito con il cognome del contatto.
Ad esempio, dopo avere selezionato il gruppo "Auguri" il messaggio:
"Ciao ##fn, un augurio di buon anno nuovo per te e a tutta la famiglia ##ln."
al contatto Mario Russo sara mandato con il testo:
"Ciao Mario, un augurio di buon anno nuovo a te e a tutta la famiglia Russo."
mentre al contatto Rosy Verdi sarà mandato con il testo:
"Ciao Rosy, un augurio di buon anno nuovo per te e a tutta la famiglia Verdi."
Nel testo potete inserire un numero arbitrario di segnaposto ##fn o ##ln che saranno sostituiti prima dell' invio del messaggio, occorre però fare attenzione alla lunghezza totale dell' sms.
E' stato scelto di non permettere di mandare messaggi lunghi e quindi è possibile solo mandare SMS singoli che non possono superare i 160 caratteri, ovviamente non si può calcolare prima la lunghezza di ogni messaggio che dipende dalla lunghezza dopo l' inserimento del nome e/o cognome,
Quindi ogni volta che dopo la sostituzione il testo supererà i 160 caratteri l' SMS non sarà inviato.