func simulateMortgage() {
mortgage := set.Uniform(time.Now(), set.Month, 500, 150000)
payments := set.Mimic(mortgage, func(set.Event) float64 { return -10000 })
net := set.Consolidate(mortgage, set.Cumulative(payments))
interest := set.Compound(net, 0.05, set.Year)
fracInterest := set.Mult(interest, 1.0/1200)
balance := set.TrimBelow(set.Consolidate(net, set.Cumulative(interest)), 0)
fmt.Printf("net: \n%v", net[:len(balance)])
fmt.Printf("interest: \n%v", interest[:len(balance)])
fmt.Printf("fracInterest: \n%v", fracInterest[:len(balance)])
fmt.Printf("balance: \n%v", balance)
}
func simulateLife() {
now := time.Now()
// income
salary := set.PieceWise(set.Month,
set.Uniform(now, set.Month, 12*3, 75e3/12),
set.Uniform(now, set.Month, 12*4, 93e3/12),
set.Uniform(now, set.Month, 12*9, 112e3/12),
set.Uniform(now, set.Month, 12*9, 136e3/12),
set.Uniform(now, set.Month, 12*20, 40e3/12),
)
// expenses
incomeTax := set.Mult(salary, -0.4)
propertyTax := set.Uniform(now, set.Year, 100, 3000)
gas := set.PieceWise(set.Month,
set.Uniform(now, set.Month, 24, 150),
set.Uniform(now, set.Month, 1200, 350),
)
food := set.PieceWise(set.Month,
set.Uniform(now, set.Month, 12*4, 200),
set.Uniform(now, set.Month, 12*4, 400),
set.Uniform(now, set.Month, 12*4, 600),
set.Uniform(now, set.Month, 12*4, 400),
set.Uniform(now, set.Month, 12*50, 200),
)
misc := set.PieceWise(set.Month,
set.Uniform(now, set.Month, 12*25, 500),
set.Uniform(now, set.Month, 12*100, 1000),
)
// allocations
net := set.Cumulative(set.Append(salary, gas, food, misc, incomeTax, propertyTax))
investments := set.Mimic(net, func(e set.Event) float64 {
return max(0, e.Amount-25000)
})
savings := set.Consolidate(net, set.Mult(investments, -1))
// interest
interest := set.Compound(investments, 0.03, set.Year)
netWorth := set.Consolidate(net, set.Cumulative(interest))
_, _ = savings, netWorth
//fmt.Printf("salary: \n%v", salary)
//fmt.Printf("incomeTax: \n%v", incomeTax)
//fmt.Printf("gas: \n%v", gas)
//fmt.Printf("food: \n%v", food)
//fmt.Printf("misc: \n%v", misc)
fmt.Printf("savings: \n%v", savings)
//fmt.Printf("investments: \n%v", investments)
//fmt.Printf("interest: \n%v", interest)
//fmt.Printf("netWorth: \n%v", netWorth)
//fmt.Printf("tot interest: %v\n", set.Sum(interest))
}