public Rent(Identifier property, DateTime signing, int forMonths, Pecuniam monthlyRent, Pecuniam deposit)
: base(signing)
{
//calc number of days till the first day of the next month
if (signing.Day != 1)
{
_dtOfFirstFullRentDue = signing.Month == 12
? new DateTime(signing.Year + 1, 1, _dayOfMonthRentDue)
: new DateTime(signing.Year, signing.Month + 1, _dayOfMonthRentDue);
var tsTillNextMonth = _dtOfFirstFullRentDue - signing;
_proRatedAmt = new Pecuniam(Math.Round(monthlyRent.Amount/30 * (tsTillNextMonth.Days - 1), 2));
}
else
{
_proRatedAmt = Pecuniam.Zero;
_dtOfFirstFullRentDue = signing;
}
LeaseExpiry = _dtOfFirstFullRentDue.AddMonths(forMonths);
var fullTermAmt = _proRatedAmt + new Pecuniam(monthlyRent.Amount*forMonths);
base.TradeLine.Balance.AddTransaction(signing, fullTermAmt);
base.TradeLine.FormOfCredit = FormOfCredit.None;
LeaseTermInMonths = forMonths;
Deposit = deposit;
MonthlyPmt = monthlyRent;
Id = property;
}
/// <summary>
/// Creates purchase transactions on <see cref="t"/> at random for the given <see cref="dt"/>.
/// </summary>
/// <param name="spender"></param>
/// <param name="t"></param>
/// <param name="dt"></param>
/// <param name="daysMax"></param>
/// <param name="randMaxFactor">
/// The multiplier used for the rand dollar's max, raising this value
/// will raise every transactions possiable max by a factor of this.
/// </param>
public static void CreateSingleDaysPurchases(Personality spender, ITransactionable t, DateTime? dt,
double daysMax, int randMaxFactor = 10)
{
if (t == null)
throw new ArgumentNullException(nameof(t));
if (daysMax <= 0)
return;
var ccDate = dt ?? DateTime.Today;
//build charges history
var keepSpending = true;
var spentSum = new Pecuniam(0);
while (keepSpending) //want possiable multiple transactions per day
{
//if we reached target then exit
if (spentSum >= new Pecuniam((decimal)daysMax))
return;
var isXmasSeason = ccDate.Month >= 11 && ccDate.Day >= 20;
var isWeekend = ccDate.DayOfWeek == DayOfWeek.Friday ||
ccDate.DayOfWeek == DayOfWeek.Saturday ||
ccDate.DayOfWeek == DayOfWeek.Sunday;
var actingIrresp = spender?.GetRandomActsIrresponsible() ?? false;
var isbigTicketItem = Etx.TryAboveOrAt(96, Etx.Dice.OneHundred);
var isSomeEvenAmt = Etx.TryBelowOrAt(3, Etx.Dice.Ten);
//keep times during normal waking hours
var randCcDate =
ccDate.Date.AddHours(Etx.IntNumber(6, isWeekend ? 23 : 19))
.AddMinutes(Etx.IntNumber(0, 59))
.AddSeconds(Etx.IntNumber(0, 59))
.AddMilliseconds(Etx.IntNumber(0, 999));
//make purchase based various factors
var v = 2;
v = isXmasSeason ? v + 1 : v;
v = isWeekend ? v + 2 : v;
v = actingIrresp ? v + 3 : v;
randMaxFactor = isbigTicketItem ? randMaxFactor * 10 : randMaxFactor;
if (Etx.TryBelowOrAt(v, Etx.Dice.Ten))
{
//create some random purchase amount
var chargeAmt = Pecuniam.GetRandPecuniam(5, v * randMaxFactor, isSomeEvenAmt ? 10 : 0);
//check if account is maxed-out\empty
if (!t.Pop(randCcDate, chargeAmt))
return;
spentSum += chargeAmt;
}
//determine if more transactions for this day
keepSpending = Etx.CoinToss;
}
}
/// <summary>
/// Creates random transaction history.
/// </summary>
/// <param name="american"></param>
/// <param name="isRenting">Optional, force the generated instance as renting (instead of mortgage)</param>
public NorthAmericanWealth(NorthAmerican american, bool isRenting = false)
{
if(american == null)
throw new ArgumentNullException(nameof(american));
_amer = american;
var usCityArea = _amer.Address.HomeCityArea as UsCityStateZip;
if (usCityArea == null)
return;
CreditScore = new PersonalCreditScore(american);
//determine if renting or own
_isRenting = isRenting || GetIsLeaseResidence(usCityArea);
var edu = _amer.Education?.EduLevel ?? (OccidentalEdu.HighSchool | OccidentalEdu.Grad);
var race = _amer.Race;
var region = usCityArea.State?.GetStateData()?.Region ?? AmericanRegion.Midwest;
_homeDebtFactor = GetFactor(FactorTables.HomeDebt, edu, race, region, _amer.Age, _amer.MyGender,
_amer.MaritialStatus);
_vehicleDebtFactor = GetFactor(FactorTables.VehicleDebt, edu, race, region, _amer.Age, _amer.MyGender,
_amer.MaritialStatus);
_ccDebtFactor = GetFactor(FactorTables.CreditCardDebt, edu, race, region, _amer.Age, _amer.MyGender,
_amer.MaritialStatus);
_savingAcctFactor = GetFactor(FactorTables.SavingsAccount, edu, race, region, _amer.Age, _amer.MyGender,
_amer.MaritialStatus);
_checkingAcctFactor = GetFactor(FactorTables.CheckingAccount, edu, race, region, _amer.Age, _amer.MyGender,
_amer.MaritialStatus);
_netWorthFactor = GetFactor(FactorTables.NetWorth, edu, race, region, _amer.Age, _amer.MyGender,
_amer.MaritialStatus);
_homeEquityFactor = GetFactor(FactorTables.HomeEquity, edu, race, region, _amer.Age, _amer.MyGender,
_amer.MaritialStatus);
_vehicleEquityFactor = GetFactor(FactorTables.VehicleEquity, edu, race, region, _amer.Age, _amer.MyGender,
_amer.MaritialStatus);
var payBase = new Pecuniam(2000);
Func<Pecuniam, double> calcMonthlyPay =
pecuniam => Math.Round((double)GetYearlyIncome(pecuniam, _netWorthFactor).Amount / 12, 2);
Paycheck = Math.Round(calcMonthlyPay(payBase) / 2, 2).ToPecuniam();
}
/// <summary>
/// Creates a random <see cref="FixedRateLoan"/> instance with a history and adds it to the
/// <see cref="Opes.VehicleDebt"/> collection.
/// </summary>
/// <param name="stdDevAsPercent"></param>
/// <returns></returns>
/// <remarks>
/// Returns zero 9% of the time.
/// [https://people.hofstra.edu/geotrans/eng/ch6en/conc6en/USAownershipcars.html]
/// </remarks>
protected internal Pecuniam AddVehicleLoan(double stdDevAsPercent = DF_STD_DEV_PERCENT)
{
//roll for no-car
if (Etx.TryBelowOrAt(9, Etx.Dice.OneHundred))
return Pecuniam.Zero;
//calc a rand amount of what is still owed
var randCarDebt = GetRandomFactorValue(FactorTables.VehicleDebt, _vehicleDebtFactor, stdDevAsPercent);
//allow for car to be paid off
if (Etx.TryBelowOrAt(23, Etx.Dice.OneHundred))
randCarDebt = 0.0D;
var vin = Gov.Nhtsa.Vin.GetRandomVin(randCarDebt <= 2000.0D);
//this would never happen
while (_amer.MyGender == Gender.Male && vin.Description == "Toyota Yaris")
vin = Gov.Nhtsa.Vin.GetRandomVin(randCarDebt <= 2000.0D);
//calc rand amount of equity
var randCarEquity = GetRandomFactorValue(FactorTables.VehicleEquity, _vehicleEquityFactor, stdDevAsPercent);
_vehicleEquity += randCarEquity.ToPecuniam();
//get rand interest rate weighted by score
var randRate = CreditScore.GetRandomInterestRate(null, Gov.Fed.RiskFreeInterestRate.DF_VALUE + 3.2) * 0.01;
var spCost = new Pecuniam((decimal)randCarDebt);
var totalCost = new Pecuniam((decimal)(randCarDebt + randCarEquity));
Pecuniam minPmt;
var loan = SecuredFixedRateLoan.GetRandomLoanWithHistory(_amer, vin, spCost, totalCost, (float)randRate, 5, out minPmt);
loan.Description = string.Join(" ", vin.Value, vin.Description, vin.GetModelYearYyyy());
loan.TradeLine.FormOfCredit = FormOfCredit.Installment;
VehicleDebt.Add(loan);
return minPmt;
}
/// <summary>
/// Creates random <see cref="CreditCardAccount"/> instances with a history and adds
/// it to the <see cref="Opes.CreditCardDebt"/> collection.
/// </summary>
/// <param name="stdDevAsPercent"></param>
/// <param name="maxCcDebt"></param>
protected internal void AddSingleCcDebt(double stdDevAsPercent = DF_STD_DEV_PERCENT)
{
//create random cc
var ccAcct = CreditCardAccount.GetRandomCcAcct(_amer, CreditScore);
var pmtNote = GetPaymentNote(ccAcct.Id);
//determine timespan for generated history
var historyTs = DateTime.Now - ccAcct.Cc.CardHolderSince;
//create history
for (var i = 1; i < historyTs.Days; i++)
{
var loopDt = ccAcct.Cc.CardHolderSince.AddDays(i);
if (ccAcct.GetStatus(loopDt) == SpStatus.Closed)
break;
CreateSingleDaysPurchases(_amer.Personality, ccAcct, loopDt, (double)Paycheck.Amount * DF_DAILY_SPEND_PERCENT);
if (i%30 != 0 || ccAcct.GetValueAt(loopDt).Amount < 0.0M)
continue;
var minDue = ccAcct.GetMinPayment(loopDt);
if(minDue < new Pecuniam(10.0M))
minDue = new Pecuniam(10.0M);
if (_amer.Personality.GetRandomActsIrresponsible())
{
var fowardDays = Etx.IntNumber(1, 45);
var paidDate = loopDt.AddDays(fowardDays);
ccAcct.Push(paidDate, minDue, Pecuniam.Zero, pmtNote);
i += fowardDays;
}
else
{
var additionalPaid = Pecuniam.GetRandPecuniam(20, 200, 10);
ccAcct.Push(loopDt, minDue + additionalPaid, Pecuniam.Zero, pmtNote);
}
}
CreditCardDebt.Add(ccAcct);
}
/// <summary>
/// Creates random <see cref="Rent"/> instance with a history and adds
/// it to the <see cref="Opes.HomeDebt"/> collection.
/// </summary>
/// <param name="stdDevAsPercent"></param>
/// <remarks>
/// src [http://www.nmhc.org/Content.aspx?id=4708]
/// </remarks>
protected internal Pecuniam AddRent(double stdDevAsPercent = DF_STD_DEV_PERCENT)
{
if (!_isRenting)
return Pecuniam.Zero;
//create a rent object
var avgRent = (double)Rent.GetAvgAmericanRentByYear(null).Amount;
var randRent =
new Pecuniam(
(decimal) GetRandomFactorValue(FactorTables.HomeDebt, _homeDebtFactor, stdDevAsPercent, avgRent));
var term = 12;
var randDate = Etx.Date(0, DateTime.Today.AddDays(-2));
var rent = new Rent(_amer.Address, randDate, term, randRent, Etx.CoinToss ? new Pecuniam(250) : new Pecuniam(500))
{
Description = $"{term}-Month Lease"
};
_amer.Address.IsLeased = true;
//create payment history until current
var firstPmt = rent.GetMinPayment(randDate);
rent.PayRent(randDate.AddDays(1), firstPmt);
var rentDueDate = randDate.Month == 12
? new DateTime(randDate.Year + 1, 1, 1)
: new DateTime(randDate.Year, randDate.Month + 1, 1);
while (rentDueDate < DateTime.Today)
{
var paidRentOn = rentDueDate;
//move the date rent was paid to some late-date when person acts irresponsible
if (_amer.Personality.GetRandomActsIrresponsible())
paidRentOn = paidRentOn.AddDays(Etx.IntNumber(5, 15));
rent.PayRent(paidRentOn, randRent, GetPaymentNote(rent.Id));
rentDueDate = rentDueDate.AddMonths(1);
}
HomeDebt.Add(rent);
return randRent;
}
/// <summary>
/// Creates random <see cref="FixedRateLoan"/> instance with a history and adds
/// it to the <see cref="Opes.HomeDebt"/> collection.
/// </summary>
/// <param name="stdDevAsPercent"></param>
protected internal Pecuniam AddMortgage(double stdDevAsPercent = DF_STD_DEV_PERCENT)
{
//calc a rand amount of what is still owed
var randHouseDebt = GetRandomFactorValue(FactorTables.HomeDebt, _homeDebtFactor, stdDevAsPercent);
//calc rand amount of equity accrued
var randHouseEquity = GetRandomFactorValue(FactorTables.HomeEquity, _homeEquityFactor, stdDevAsPercent);
_homeEquity += randHouseEquity.ToPecuniam();
//get rand interest rate weighted by score
var randRate = CreditScore.GetRandomInterestRate(null, Gov.Fed.RiskFreeInterestRate.DF_VALUE) * 0.01;
var spCost = new Pecuniam((decimal)randHouseDebt);
var totalCost = new Pecuniam((decimal)(randHouseDebt + randHouseEquity));
//create a loan on current residence
Pecuniam minPmt;
var loan = SecuredFixedRateLoan.GetRandomLoanWithHistory(_amer, _amer.Address, spCost, totalCost, (float) randRate, 30, out minPmt);
loan.Description = "30-Year Mortgage";
loan.TradeLine.FormOfCredit = FormOfCredit.Mortgage;
HomeDebt.Add(loan);
return minPmt;
}
/// <summary>
/// Creates a full Opes state and history at random.
/// </summary>
/// <param name="stdDevAsPercent"></param>
public void CreateRandomAmericanOpes(double stdDevAsPercent = DF_STD_DEV_PERCENT)
{
//determine residence pmt
_residencePmt += _isRenting
? AddRent(stdDevAsPercent)
: AddMortgage(stdDevAsPercent) ?? Pecuniam.Zero;
//determin car payment
_carPmt += AddVehicleLoan(stdDevAsPercent) ?? Pecuniam.Zero;
//add CC's
AddTotalCcDebt(stdDevAsPercent);
//add bank accounts
AddBankingAccounts(stdDevAsPercent);
}
public void PayRent(DateTime dt, Pecuniam amt, string note = "")
{
TradeLine.Balance.AddTransaction(dt, amt.Neg, Pecuniam.Zero, note);
}
public void TestOps()
{
var test00 = Pecuniam.Zero;
var test01 = new Pecuniam(1.0M);
var testResult = test00 + test01;
Assert.AreEqual(1.0M, testResult.Amount);
Assert.AreEqual(new Pecuniam(2.0M), new Pecuniam(1.0M) + new Pecuniam(1.0M));
Assert.AreEqual(new Pecuniam(2.0M), new Pecuniam(4.0M) - new Pecuniam(2.0M));
Assert.AreEqual(new Pecuniam(4.0M), new Pecuniam(4.0M) * new Pecuniam(1.0M));
Assert.AreEqual(new Pecuniam(4.0M), new Pecuniam(4.0M) / new Pecuniam(1.0M));
Assert.IsTrue(new Pecuniam(4.0M) > new Pecuniam(3.0M));
Assert.IsTrue(new Pecuniam(1.0M) < new Pecuniam(3.0M));
Assert.IsTrue(new Pecuniam(1.0M) == new Pecuniam(1.0M));
Assert.IsTrue(new Pecuniam(2.0M) != new Pecuniam(1.0M));
}
public Pecuniam GetCurrent(DateTime dt, Dictionary<DateTime, float> variableRate)
{
if (variableRate == null || variableRate.Keys.Count <= 0)
throw new ArgumentNullException(nameof(variableRate));
//get very first recorded transaction
var oldestTransaction = Transactions.FirstOrDefault();
if (oldestTransaction == null)
return Pecuniam.Zero;
var bal = Pecuniam.Zero;
//set first transaction as the lower bounds of the current time-frame
var prevVdt = oldestTransaction.AtTime;
foreach (var vdt in variableRate.Keys)
{
//the dictionary is the date the rate ended, not began
if (DateTime.Compare(prevVdt, dt) > 0)
continue;
var currVdt = vdt;
//this rate was only applicable to this many days
var daysAtRate = (currVdt - prevVdt).TotalDays;
//this iteration's rate-ending-date is actually beyond our query date
if (DateTime.Compare(currVdt, dt) > 0)
{
daysAtRate = (dt - prevVdt).TotalDays;
currVdt = dt;
}
//get those transactions which occured between
var betwixtTs = GetTransactionsBetween(prevVdt, currVdt);
betwixtTs.Sort(Comparer);
//add in this date-ranges transactions to the running balance
bal = betwixtTs.Aggregate(bal, (current, bts) => current + bts.Cash);
//get the balance plus iterest for the number of days this rate was in effect
bal = new Pecuniam(bal.Amount.PerDiemInterest(variableRate[vdt], daysAtRate));
//save where we ended this time for next iteration
prevVdt = currVdt;
}
return bal;
}
protected internal Pecuniam GetTotalCurrentCcDebt(DateTime? dt = null)
{
var dk = new Pecuniam(0.0M);
foreach (var cc in CreditCardDebt.Cast<CreditCardAccount>())
{
dk += cc.GetValueAt(dt.GetValueOrDefault(DateTime.Now)).Neg;
}
return dk;
}
/// <summary>
/// Calc a yearly income salary or pay at random.
/// </summary>
/// <param name="min"></param>
/// <param name="netWorthFactor">A multiplier to linear eq's result</param>
/// <param name="factorCalc">
/// Optional, allows caller to specify how to factor the raw results of
/// <see cref="GetAvgEarningPerYear"/> for the <see cref="dt"/>.
/// </param>
/// <param name="stdDevInUsd"></param>
/// <param name="dt">
/// Optional, date used for solving the <see cref="GetAvgEarningPerYear"/> eq.
/// </param>
/// <returns></returns>
public Pecuniam GetYearlyIncome(Pecuniam min, double netWorthFactor, Func<double, double> factorCalc = null,
double stdDevInUsd = 2000, DateTime? dt = null)
{
if (min == null)
min = Pecuniam.Zero;
//get linear eq for earning
var eq = GetAvgEarningPerYear();
if (eq == null)
return Pecuniam.Zero;
var baseValue = Math.Round(eq.SolveForY(dt.GetValueOrDefault(DateTime.Today).ToDouble()), 2);
if (baseValue <= 0)
return Pecuniam.Zero;
Func<double, double> dfFunc = (d) =>
{
var factorVal = (d / 5) * netWorthFactor;
while (Math.Abs(factorVal) > d)
factorVal = factorVal / 2;
return factorVal;
};
factorCalc = factorCalc ?? dfFunc;
var factorValue = factorCalc(baseValue);
baseValue = Math.Round(baseValue + factorValue, 2);
var randValue = Math.Round(
Etx.RandomValueInNormalDist(Math.Round(baseValue, 0), stdDevInUsd), 2);
return new Pecuniam((decimal)randValue) + min;
}
