
                       THE INTEREST ANALYZER  (C) 1990-93
                          Version 2.26,  March 13, 1993
                   Suggested BBS name, this version: INT226.ZIP

           A shareware software package from Insight Software Solutions
             Mailing Address: P.O. Box 354, Bountiful, UT 84011-0354
                 Phone: (801) 295-1890     Fax: (801) 299-1781
                 BBS:   (801) 963-8721     CIS: [71672,3464]
                            Author: Michael D. Jones

          
               To Start:  A>INT  (then press <return/enter> key)
          

                    The Interest Analyzer - Program Overview

The Interest Analyzer is a financial software program designed with ease and
flexibility in mind. It comes complete with a variety of financial tools for 
calculating Annuities (Savings, Interest Accumulation), Amortization (Loans,
Mortgages), Depreciation, Immediate Annuities and Calculators for solving for
missing values. Each financial tool contains a variety of options to allow
maximum flexibility. 

The Interest (Savings) tool allows variable deposit modes, deposits,
withdrawals and interest rates. Professional reports can be generated with
varying detail. Special options are available to illustrate the time value of
compounding and the impact of taxes on savings.

The Amortization (Loan) tool allows variable payments, interest rates and 
compounding methods. Professional schedules can be generated with varying
detail. Special options are available to illustrate the savings incurred with
an early payoff of a loan and to show tax savings with mortgages.

The Depreciation tool allows for a variety of depreciation methods to be 
illustrated using different time conventions.

The Immediate Annuity tool allows variable payout modes and compounding 
methods.  Professional schedules are produced.

Illustrations and schedules can be viewed on the screen or sent to a printer.
The Interest Analyzer is a menu driven program that also contains an on-line
manual and individual help for each input to allow the user to easily 
navigate and understand the program. Client names can be entered and included 
in the illustrations. Each financial tool has the ability to save and
retrieve all information entered. The Interest Analyzer provides several
miscellaneous configuration options for setting the program up to your
individual liking.

                 The Interest Analyzer - Program Features

                Interest (Savings, Deferred Annuities, CDs, IRAs)
                
Deposit Modes:     Weekly, Bi-Weekly, Semi-Monthly, Monthly, Quarterly, 
                   Semi-Annual and Annual
Variable Deposits,
Withdrawals &
Interest Rates:    Monthly, Quarterly, Semi-Annual and Annual
Compound Methods:  Daily (360 or 365), Monthly, Quarterly, Semi-Annual, Annual
Report Detail:     Monthly, Quarterly, Semi-Annual and Annual on either a
                   calendar or fiscal year basis
Special Options:   Automatic Cost of Living Adjustments to deposits, Side by
                   side comparisons of tax and non tax sheltered savings, 
                   different interest rates and waiting before starting to
                   save.

                               Depreciation
                               
Methods:           Straight Line, Life Periods, Annuity, Sinking Fund,
                   MACRS (200%), MACRS (150%)
Conventions:       Annual, Half-Year and 1st Mid Quarter - 4th Mid Quarter

                      Amortization (Loans, Mortgages)
                      
Payments Modes:    Monthly, Quarterly, Semi-Annual and Annual
Interest Rates:    Monthly, Quarterly, Semi-Annual and Annual
Compound Methods:  Daily (360 or 365), Monthly, Quarterly, Semi-Annual, Annual
Report Detail:     Monthly, Quarterly, Semi-Annual and Annual on either a
                   calendar or fiscal year basis
Special Options:   Side by side comparisons of Recurring Extra Payment,
                   Variable Payments, Variable Extra Payments, Double 
                   Principal Payments and 13 Payments per year. Balloon
                   Payments and Tax Savings Analysis for Mortgages.

                            Immediate Annuities
                            
Payout Methods:    Weekly, Bi-Weekly, Semi-Monthly, Monthly, Quarterly,
                   Semi-Annual and Annual
Compound Methods:  Daily (360 or 365), Monthly, Quarterly, Semi-Annual, Annual

                             General Features
                             
Help:              On-line manual, easy menu driven, help for each field
View:              Complete Illustration on screen
Print:             6 or 8 lines per inch, top and left margin adjustment, 
                   automatic bolding of titles and totals, automatic 
                   condensed print when necessary, use of IBM graphic 
                   characters, and support of virtually any printer via 
                   printer definition tables
Save & Retrieve:   Save and retrieve files (cases)
Header Lines:      Up to 3 saved header lines plus one Title Line for each
                   report
Dates:             International Date Formats in Reports
Sound effects:     Choose off or on
Colors:            Choose own
Logo Screen:       Choose to see or bypass
Calculators:       4 function calculator, Interest Calculator: Future 
                   Value, Present Value, Solve for Value, Amortization 
                   Calculator: Solve for Missing Loan Value
Miscellaneous:     Select whether fields erase upon new input into field.

                              What is Shareware?

  Shareware is a marketing concept in which copyrighted software products
  are distributed by allowing and encouraging duplication of the program 
  for evaluation by interested parties.  As a recipient of a shareware 
  program, you are granted the right to use the program for a short period
  to determine if it meets your needs.  The program developer receives
  payment from the users after they have determined that the product meets
  their needs.  The motivation for making payment for a shareware program
  is honest payment for a valuable tool, desire for support, updates,
  enhancements and documentation, and to help encourage shareware authors
  to produce additional quality programs.

                             Program Registration

  The Interest Analyzer can be registered with Insight Software Solutions
  by sending a check or money order in the amount of $25.00 U.S. funds to
  the address listed above. Upon receipt, Insight Software solutions will
  send you the latest version of The Interest Analyzer along with a printed
  manual. Once registered, you will receive notification of major updates
  and new products. Registration includes a 90 day support policy where 
  free updates will be provided for major problems. If a problem cannot be
  resolved, then a refund of money will be made.

                              Program Support

  Insight Software Solutions offers support through the mail, phone, fax  
  and BBS. Please refer to address and phone number above.  Our official 
  support BBS is the Rocky Mountain Software BBS (RMS).  RMS can be reached
  24 hours a day at (801) 963-8721 where a conference dedicated to us can
  be found.  Our latest software products and versions, bulletins, news and
  message system are located on RMS. RMS accepts modem baud rates of 1200
  to 38400.

  Ŀ
   Insight Software Solutions is a member of the Association of Shareware 
   Professionals (ASP).  ASP wants to make sure that the shareware        
   principal works for you.  If you are unable to resolve a shareware     
   related problem with an ASP member by contacting the member directly,  
   ASP may be able to help.  The ASP Ombudsman can help you resolve a     
   dispute or problem with an ASP member, but does not provide technical  
   support for members' products.  Please write to the ASP Ombudsman at   
   545 Grover Road, Muskegon, MI 49442 or send a CompuServe message via   
   CompuServe Mail to ASP Ombudsman 70007.3536.                           
  

