This is a sample of the types of graphs, some of them interactive, that will be available on these pages. These graphs are meant to empower our clients with an understanding of fundamental financial concepts so that they can make informed decisions about their financing needs.

The following graphs represent two simple debt service schedules. Equal annual principal payment has the advantage of a lower total interest cost, since a larger proportion of the principal is paid off in the early years. However,  Level debt service offers the advantage of a constant payment each year and thus an even burden on taxpayers rather than a heavier burden in the early years (the area above the green line). This is why level debt service is most commonly used. However,  debt service schedules come in many varieties and can be customized to the particular needs and concerns of an issuer. We help our clients in making such decisions.