Functional Loan Calculator

I am trying to work on projects that I am not that good at, so that I could become a better Java programmer.  So I decided to work on a GUI to create a loan calculator that determines how many months it would take to pay off a loan.  What I built here is very basic and doesn’t look pretty as a GUI, but it works!
When it comes to building the GUI I wasn’t concerned with coding that part myself as I am not concerned with design, and I could just use the NetBeans GUI creator to do it for me.  What I wanted practice doing was using inner classes and in using more algorithms.  If you are a coder and are reading this feel free to leave comments on any improvements you can see.

package LoanCalc;

import java.awt.event.ActionEvent;
import java.awt.event.ActionListener;

import javax.swing.JButton;
import javax.swing.JFrame;
import javax.swing.JLabel;
import javax.swing.JPanel;
import javax.swing.JTextField;

public class Practice {

public static void main(String [] args){

BuildGUI gui = new BuildGUI();


class BuildGUI extends JFrame implements ActionListener{
private JLabel[] l;
private JTextField []t;
private JTextField k;
private JPanel p;
private JButton b;
private String []Labels={“Debt Type”, “Total Owed”, “Interest Rate”, “Monthly Payment”, “Total Months”};

public BuildGUI(){

t=new JTextField[5];
l=new JLabel[5];
p=new JPanel();
b=new JButton();

for(int i=0;i<Labels.length;i++){
t[i]=new JTextField(20);
l[i]=new JLabel(Labels[i]);
p.add( t[i] );

k=new JTextField();

javax.swing.GroupLayout jPanel1Layout = new javax.swing.GroupLayout(p);
.addGroup(javax.swing.GroupLayout.Alignment.TRAILING, jPanel1Layout.createSequentialGroup()
.addContainerGap(javax.swing.GroupLayout.DEFAULT_SIZE, Short.MAX_VALUE)
.addGap(104, 104, 104))
.addGap(18, 18, 18)
.addGap(28, 28, 28)
.addGap(68, 68, 68)
.addGroup(jPanel1Layout.createParallelGroup(javax.swing.GroupLayout.Alignment.LEADING, false)
.addComponent(t[0], javax.swing.GroupLayout.DEFAULT_SIZE, 138, Short.MAX_VALUE)
.addGap(40, 40, 40)
.addComponent(t[4], javax.swing.GroupLayout.PREFERRED_SIZE, 139, javax.swing.GroupLayout.PREFERRED_SIZE)
.addComponent(t[2], javax.swing.GroupLayout.PREFERRED_SIZE, 139, javax.swing.GroupLayout.PREFERRED_SIZE)
.addComponent(t[3], javax.swing.GroupLayout.PREFERRED_SIZE, 138, javax.swing.GroupLayout.PREFERRED_SIZE))))
.addContainerGap(62, Short.MAX_VALUE))
.addGap(18, 18, 18)
.addComponent(t[0], javax.swing.GroupLayout.PREFERRED_SIZE, javax.swing.GroupLayout.DEFAULT_SIZE, javax.swing.GroupLayout.PREFERRED_SIZE))
.addGroup(javax.swing.GroupLayout.Alignment.TRAILING, jPanel1Layout.createSequentialGroup()
.addComponent(t[1], javax.swing.GroupLayout.PREFERRED_SIZE, 20, javax.swing.GroupLayout.PREFERRED_SIZE))
.addComponent(t[3], javax.swing.GroupLayout.PREFERRED_SIZE, javax.swing.GroupLayout.DEFAULT_SIZE, javax.swing.GroupLayout.PREFERRED_SIZE)
.addComponent(t[2], javax.swing.GroupLayout.PREFERRED_SIZE, javax.swing.GroupLayout.DEFAULT_SIZE, javax.swing.GroupLayout.PREFERRED_SIZE)
.addComponent(l[3], javax.swing.GroupLayout.PREFERRED_SIZE, 20, javax.swing.GroupLayout.PREFERRED_SIZE))
.addGap(18, 18, 18)
.addGap(18, 18, 18)
.addComponent(t[4], javax.swing.GroupLayout.PREFERRED_SIZE, javax.swing.GroupLayout.DEFAULT_SIZE, javax.swing.GroupLayout.PREFERRED_SIZE))
.addContainerGap(91, Short.MAX_VALUE))

javax.swing.GroupLayout layout = new javax.swing.GroupLayout(getContentPane());
.addComponent(p, javax.swing.GroupLayout.PREFERRED_SIZE, javax.swing.GroupLayout.DEFAULT_SIZE, javax.swing.GroupLayout.PREFERRED_SIZE)
.addGap(0, 67, Short.MAX_VALUE))
.addComponent(p, javax.swing.GroupLayout.PREFERRED_SIZE, javax.swing.GroupLayout.DEFAULT_SIZE, javax.swing.GroupLayout.PREFERRED_SIZE)
.addContainerGap(60, Short.MAX_VALUE))


//setting text fields to floats
String dt;
String to;
String mp;
String i;

float totalOwed;
float monthlyPayment;
float interest;
int months;

public void actionPerformed(ActionEvent e) {

// Execute when button is pressed
//System.out.println(“You clicked the button”);

dt = t[0].getText();
to = t[1].getText();
mp = t[2].getText();
i = t[3].getText();
totalOwed = Float.parseFloat(to);
monthlyPayment = Float.parseFloat(mp);
interest = Float.parseFloat(i);
while (totalOwed > 0){

//for loop simulates a year
for(int i=0; i<=11; i++){
//break from loop if paid off!
if (totalOwed <= 0){
totalOwed -= monthlyPayment;
//counter for months
months ++;

//adding interest
totalOwed = totalOwed + (totalOwed*interest);


String monthTotal = Integer.toString(months);




Cubs CRC and ideal lineup for this week

Here are the starters sorted by CRC, as you can see, they are also no different from OPS this week:

Anthony Rizzo* 0.333 0.463 0.598 1.061 1.15287
Miguel Montero* 0.301 0.418 0.507 0.924 1.01014
Kris Bryant 0.275 0.411 0.451 0.861 0.93557
Addison Russell 0.267 0.295 0.453 0.748 0.83621
Jorge Soler 0.271 0.329 0.411 0.74 0.82743
Dexter Fowler# 0.262 0.345 0.397 0.742 0.82197
Starlin Castro 0.279 0.3 0.368 0.668 0.7679
Chris Coghlan* 0.202 0.275 0.394 0.669 0.72385

What I have noticed is that Castro has really slumped as of late, and although he seems to produce in RBI situations his overall contribution to runs has declined, while Russell’s has increased.  So this may be the time to see what Russell could do in the 5-6 hole instead of Castro.

The 2-3-4 (if pitcher bats 8th), or the 3-4-5 hitters(if pitcher bats 9th), should be Rizzo, Bryant and Montero (how about that free agent signing?).

So ideally you would like to reward guys for how they are performing by putting Soler and Russell in the 5-6 slot, Coghlan 7th, and Castro 9th.  Let this team play itself into the lineup positions they are earning.

Inner Classes, GUI’s, and a loan generator app.

In my attempt to learn as many things as possible this summer to become more employable I am trying to create an app that figures out the total months it would take to pay off a debt or loan given the premium, interest rate, and monthly payment.  I came to this idea because I think it would be a good tool for those that are budgeting like myself and it would be a great way to learn a few things in programming and get more practice.

So I am going to post my progress every Monday.  Right now I have built a template for the inner class build that I am using for the TextFields I am using.  I am going to have to spend this week trying to find a way to store the types of debt (debtName) and how to use the submit button to calculate the total months and have it displayed in a text field.

package DebtManager;

import java.awt.event.ActionEvent;
import java.awt.event.ActionListener;

import javax.swing.JButton;
import javax.swing.JFrame;
import javax.swing.JTextField;

public class Practice extends JFrame{

//button member declaration needed here

JTextField textField = new JTextField();
JButton button1 = new JButton();

class Handler implements ActionListener

float b;

public void actionPerformed(ActionEvent e) {

String a;

try {
if (textField.getText().isEmpty()){
throw new Exception();

a = textField.getText();
b = Float.parseFloat(a);
catch (Exception e1){
System.out.println(b + ” field Left Blank”);


//Define an inner member class for each Text Field
protected void buildGUI()

//initialize the text fields

JTextField debtName = new JTextField(10);
JTextField TOwed = new javax.swing.JTextField();
JTextField interest = new javax.swing.JTextField();
JTextField monthly = new javax.swing.JTextField();

//Submit button needs method to do math, and send result to totalMonths
JButton submit = new javax.swing.JButton();

JTextField totalMonths = new javax.swing.JTextField();

//register inner class action listener for each button

//need separate method for debtName to just keep name as String
debtName.addActionListener(new Handler());

TOwed.addActionListener(new Handler());
interest.addActionListener(new Handler());
monthly.addActionListener(new Handler());

//need a separate method in handler for this.
totalMonths.addActionListener(new Handler());



The preferred Cubs lineup arranged by CRC and OBP

The Correlated Run Contribution stat is a stat I invented to help further evaluate how well a hitter is performing.  It helps to use this stat and OBP to help determine who should hit where in a lineup.  For example, a high OBP guy should be hitting 1 or 2 or 9 in the Cubs lineup, to get on base for the 3, 4 and 5 hitters who should have higher averages versus higher OBP’s.

So I have arranged an ideal lineup based on this philosophy.

The two best OBP guys on the team are Bryant and Rizzo, but they are also two of the highest Avg guys as well, and also two of the premier power hitters, so because of the latter you want to make them 3,4,5 hitters, but in Rizzo’s case he is a great base runner as well, which makes more sens to bump him up to the two hole.

The next highest OBP guy is Montero, but we all know he lacks speed and he also hasn’t done this well throughout his career.  But three guys behind him are all at .333 in OBP and that is Castro, Fowler, and Soler.  So it makes it easier now to put Fowler there (leadoff) as his history has shown him to approach .360 OBP and ideal speed, so you place him at leadoff.

That puts us with Fowler and Rizzo in the 1 and 2 holes.

In the three hole you want to start putting more premium on AVG and on power, right now that guy is Bryant, although he hasn’t hit a homer yet, you know that he is the best power bat on the team, so he takes up the three hole.  So right now you have 3 of the top 4 OBP guys taking up the 1, 2, and 3 spots.

In the fourth spot and 5th spot you want more premium on AVG and power again to help drive in those high OBP guys, this is where I put in Soler 4th and Montero 5th (ahead of Castro because he bats left).  And thus Castro is placed 6th.

That leaves a toss up between Russell and Coghlan to play the 7th or 9th spot.  Right now Russell hasn’t proven yet to show he can get on base like Coghlan has so I would switch him to the 7th spot and put Coghlan 9th (Coghlan has better history of getting on base).

So the lineup looks like this:

Dexter Fowler 29 0.263 0.333 0.379 0.712 0.79571
Anthony Rizzo 25 0.313 0.458 0.53 0.988 1.0724
Kris Bryant 23 0.291 0.458 0.382 0.84 0.91964
Jorge Soler 23 0.266 0.333 0.404 0.738 0.82107
Miguel Montero 31 0.298 0.373 0.491 0.864 0.95589
Starlin Castro 25 0.303 0.33 0.374 0.704 0.81332
Chris Coghlan 30 0.214 0.276 0.429 0.705 0.76502
Addison Russell 21 0.233 0.25 0.442 0.692 0.76744

Notice how putting a premium on AVG, in your 2-6 slots you end up getting the best CRC guys planted there by design (Bryant’s CRC will soar once he hits a few homers).  You want more of an emphasis on AVG if you have similar players in OBP to bat in the spots behind your high OBP guys because higher AVG means driving in more runs and puts those guys in more RBI situations.

League leaders in CRC as of 5/1

The rank on the left will reflect their OPS rank, so you can see how OPS ranks people higher because of OBP.  The CRC corrects for batting average having more contribution to runs if a players OBP or OPS is similar to anothers:

1 Adrian Gonzalez* 1.36232
2 Adam Jones 1.29899
5 Matt Carpenter* 1.22565
4 Miguel Cabrera 1.2254
3 Nelson Cruz 1.21068
6 Joey Votto* 1.17425
9 Joc Pederson* 1.15965
8 Mike Trout 1.14923
10 Stephen Vogt* 1.14622
7 Paul Goldschmidt 1.14551
11 Devon Travis 1.13394
19 Giancarlo Stanton 1.12824
15 Hanley Ramirez 1.12043
20 Jose Iglesias 1.10807
16 Matt Holliday 1.10457
13 Corey Dickerson* 1.10392
17 Adam Lind* 1.09649
12 Mike Moustakas* 1.09455
22 Jed Lowrie# 1.07566
14 Bryce Harper* 1.07117
28 Jose Abreu 1.07
18 DJ LeMahieu 1.06337
21 Alex Gordon* 1.05449
29 Kole Calhoun* 1.04454
23 Dee Gordon* 1.03823
26 Josh Donaldson 1.03741
27 Lucas Duda* 1.02927
25 Anthony Rizzo* 1.02561
35 Troy Tulowitzki 1.00406
30 Freddie Freeman* 1.00265
34 Nolan Arenado 1.00102
31 Howie Kendrick 1.00088
24 Mark Trumbo 0.99094
36 Yoenis Cespedes 0.98611
40 Pablo Sandoval# 0.97812
38 Kendrys Morales# 0.97587
33 Jose Altuve 0.97508
39 Todd Frazier 0.973
41 Eric Hosmer* 0.97175
43 Alex Rodriguez 0.96761
32 Lorenzo Cain 0.96326
48 Matt Adams* 0.96209
46 Chris Davis* 0.95252
44 Dustin Pedroia 0.94772
49 Colby Rasmus* 0.94723
37 Mark Teixeira# 0.9419
42 Justin Upton 0.93883
45 Logan Forsythe 0.93546
47 Matt Kemp 0.93299

Correlated Run Contribution

I do believe I have settled on a name for what I want to call this correlation stat for an at bat instance.  It comes with finding how the leagues batting average, on base percentage, and slugging percentages correlates with average earned runs per nine innings (ERA).  In the previous post I had shown how little batting average correlates with earned run average and am going to cover how on base, and slugging percentages correlate with ERA.

OBP graphIn the above graph it is hard to determine how much on base percentage correlates to earned runs but that is why Excel has the handy correlation coefficient.  So for the stat that I created I found the correlation to be at .83, which is much higher than what batting average was, which is not surprising in the least.

Now let’s take a look at slugging percentage:

SluggingSlugging percentage when combined with ERA on a graph makes it almost look like an exact correlation, and it almost is with a correlation coefficient of .94, and if I were to graph OPS it would show a correlation of .97, which is statistically significant.  So what to do with all these correlations?

I ended up just taking a batting average, an on base percentage and a slugging percentage and multiplying them by it’s correlation coefficient, thus reducing them to it’s true effect on creating a run, and then I added all those percentages up to get what I call the correlated run contribution.

So in the national league the league leaders in 2014 looked like this:

Andrew McCutchen                    1.04
Giancarlo Stanton                       1.03
Anthony Rizzo*                            .99
Justin Morneau*                          .97
Buster Posey                                  .96
Yasiel Puig                                     .95
Matt Kemp                                    .94
Josh Harrison                              .943
Jayson Werth                               .935
Jonathan Lucroy                         .933

If you were to rank the top ten hitters by OPS, a few guys would shift around here, Puig would be ahead of Posey and Morneau, and Freddie Freeman would have knocked out Lucroy of the top ten here.  So what is the difference?  The slight advantage a hitter has in batting average, so if a hitter had a higher batting average but lower OPS there were times where the .62 correlated run contribution made a large enough difference to be more valuable than getting on base.

This is the kind of result I had intended to see when creating this stat, as I thought that although OPS had an incredibly high correlation to runs being created, it did leave out the anomalous hitters who hit for high contact and thus have higher batting averages.  So in some cases, some hitters that hit for higher average, but draw fewer walks can indeed contribute more to a run scored than a guy who hits for a lower average but walks more, of course they would have to be very close to each other in OPS for the contact hitter to jump ahead.  Thus if you are GM and you had two similar OPS hitters in free agency and needed a 3-5 hitter you would probably want the guy who had a higher CRC, and if you were looking for a 1-2 hitter a guy with higher OPS.

My New Correlation Stat with no Name

So I am trying to find out which batting instances contribute the most to creating runs.  Right now I am playing around with it just to see what kind of correlation coefficient I get.  Which tries to show how much an instance contributes to a higher ERA, which I am using ERA because it is the best way for me to measure runs minus any errors.  Maybe I will change that method as well as time goes on and I play with this more.

But here is my very first correlation using batting average per year and earned run average per year, league wide.  Surprisingly batting average only has a correlation of .621, which typically a strong correlation wants to be near .90 or higher to be significant.

Now when you plot batting average and earned runs on a graph, with the data normalized they do appear to have a connection, just not significant enough.

The orange line is batting average and blue line is ERA.  Because I am new with Excel graphs and with MSPaint features, this graph looks pretty anemic, and I promise as I do this more often my skills will improve in that regard, but you can get the general idea here.

BAERA My intent after running this through several different statistical categories like batting average, OBA, OPS, Slugging, etc…  Is to find out which instances have the highest correlations to earned runs and to add a weighted number to each instance and come up with a new stat!  We will see how this goes.   Also I am taking ideas on a name for this stat, please leave any suggestions via comments or email.