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Insight Software Solutions Product Briefs
THE DEBT ANALYZER
The Debt Analyzer, a financial software package for the IBM PC, is the
perfect tool to help reduce and eliminate debt. Debt reduction can be
illustrated through a loan payment schedule or through loan consolidation.
Up to 20 debts can be handled at one time. The loan payment schedule
displays the payments to be applied to each debt and the balance of each
debt until the balance reaches zero. Minimum payments or current payments
may be used. Additional accelerated payments can be applied. One of nine
debt payoff priority methods can be specified or priorities can be user
specified. For consolidated loans, the term or payment of the loan can be
specified or the sum of all debt payments may be used as the consolidated
loan payment. Professional reports, schedules and summaries can be viewed
on screen, printed or saved to file. Interest savings as well as the number
of months paid off early are shown. All information can be saved and
retrieved for multiple clients.
THE INTEREST ANALYZER
The Interest Analyzer, a financial software package for the IBM PC, comes
complete with a variety of financial tools for calculating Annuities (Sav-
ings, 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, with-
drawals 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.
Professional illustrations and schedules can be viewed on the screen or
sent to a printer. Each financial tool has the ability to save and
retrieve all information entered for multiple clients.
THE MORTGAGE ANALYZER
This is NOT an ORDINARY mortgage program. It includes seven predefined
loan acceleration methods such as bi-weekly, double principal and growing
equity payments plus the ability to set up *ANY* acceleration method con-
ceivable through variable extra payments. Accelerated schedules and/or
summaries can be produced side by side with the original mortgage or by
themselves. Features mortgage comparisons--enter all values for two
complete mortgages. Print, view or save to file complete schedules
and/or summaries for both side by side. The input screen contains Purchase
Price, Down Payment, Duration, Interest Rate, Interest Type (Fixed,
Stepped, Adjustable, Reset), Closing Date, First Payment Date, Points,
Property Tax, Homeowners Insurance, Mortgage Insurance and closing costs.
It calculates payments, points, tax savings, daily interest, interest paid,
interest saved (for acceleration) and complete schedules. Other features
include Qualification Analysis reports for conventional, FHA and VA loans.
Includes solve for missing loan value calculator, loan refinancing,
daily interest and points calculators. Save and restore multiple clients.
THE ANNUITY ACE (Professional)
Now project your savings as never before! The Annuity Ace is a financial
software program designed with ease and flexibility in mind. It comes
complete with a variety of financial tools for calculating Deferred,
Immediate and Split Annuities. It also contains Calculators for solving
for missing values. The Deferred Annuity toolallows variable deposit modes,
deposits, withdrawals, interest rates and compounding methods with or
without loads. Professional reports can be generated with varying detail.
Special options are available to illustrate the time value of compounding,
the impact of taxes on savings, the effect of loads, the effect of
inflation, the effect of obtaining higher interest rate, and the ability
to illustrate what is required to accumulate a target sum of money by a
target age. The Immediate Annuity tool allows variable payout modes and
compounding methods. Professional schedules are produced. A Split Annuity
option is available that produces both a professional schedule and chart.
Illustrations can be viewed on the screen or sent to a printer or a file.
Headers, Footers and Client Name can be included in the illustrations.
Multiple Client information can be saved and retrieved.
THE LOAN CHIEF (Professional)
Loan calculating has never been this easy! Loan Chief is a financial
software program designed with ease and flexibility in mind. It comes
complete with a variety of loan tools for calculating Loan Amortization
Schedules, Loan Charts and Loan Calculators for solving for missing values.
Each financial tool contains a variety of options to allow maximum
flexibility. The Loan Amortization tool allows variable payments, interest
rates and compounding methods. Professional schedules can be generated
with monthly, quarterly, semi-annual or annual detail. Special options are
available to illustrate the savings incurred with an early payoff of a
loan. Several predefined acceleration methods are available in addition to
a variable payment which allows optimum flexibility. Accelerated schedules
can be illustrated side by side with the original schedule. Another special
option is the ability to show tax savings with mortgages. The Loan Chart
tool produces a chart of loan values based on the criteria you select. You
select the type of loan values you want computed--it may be loan payments,
loan principal amounts, months in a loan or the interest rate. Once you
choose what you want to solve for, you enter one of the remaining loan
values as a constant and the other two as a range of values. A chart is
produced solving for all loan values specified in the ranges. Headers,
Footers and Client Name can be included in the schedules and reports.
Multiple Client information can be saved and retrieved.
THE DEBT ANALYZER - PROGRAM FEATURES
Loan Payment Matrix Consolidated Loan
Up to 20 debts Up to 20 debts
Payments Select Term of Loan
Minimum Payments Select Payment To Make
Current Payments Use Sum of Debt Payments
Accelerated Payments Current Debt Summary
Prioritize Debts Name of Debt
Highest Interest Rate First Loan Balance
Smallest Balance First Number of Months To Pay
Largest Balance First Interest Rate
Smallest Minimum Payment First Interest Paid
Largest Minimum Payment First Total Interest Paid for all
Smallest Current Payment First Debts
Largest Current Payment First Total Interest Saved with
Shortest Term Debt First Consolidation
Largest Term Debt First Consolidated Loan Schedule
User Defined
Debt Payoff Schedule Other Features
Name of Debt Save and Retrieve Multiple
Date To Pay Client Information
Amount To Pay On-line Manual
Remaining Balance On-line Help for each field
Debt Payment Summary Effective Rate Calculator
Name of Debt
Loan Balance Configuration
Payment Schedule Select Own Colors
Number of Months To Pay Select/Modify Printer Driver
Number of Months Saved Up to 3 Permanent Header Lines
Interest Rate Turn off/on Sound Effects
Interest Paid Bypass Logo Screen
Interest Saved Default Report Options
Total Interest Paid for all Debts
Total Interest Saved for all Debts
Reports
Calendar or Fiscal Year
Cumulative or Non Cumulative
Whole Dollars or Exact Cents
18 Date Formats--International Included
View on screen before printing
6 or 8 Lines Per Inch
Top and Left Margin Adjustment
Automatic Bolding of Headers and Totals
Automatic Condensed Print when Needed
IBM Graphic Characters
THE MORTGAGE ANALYZER - PROGRAM FEATURES
Amortization Features Reports & Schedules
Interest Rates Qualification Analysis
Fixed, Stepped Amortization Summaries
Adjustable, Reset Amortization Schedules
Early Payoffs Yearly or Monthly
Recurring Extra Payment Calendar or Fiscal Year
Variable Extra Payment Cumulative or Non Cumulative
Variable Payment Whole Dollars or Exact Cents
Double Principal Payment Two Loans Side by Side Comparison
13 Monthly Payments Standalone Early Payoff
26 Half Month Payments Side by Side Early Payoff Comparison
52 Quarter Month Payments International Date Formats
Growing Equity Payments View on screen before printing
Tax Savings Analysis 6 or 8 Lines Per Inch
Comparison of Two Separate Loans Top and Left Margin Adjustment
Balloon Mortgages Automatic Bolding of Headers and Totals
Points Automatic Condensed Print when Necessary
Daily Interest IBM Graphic Characters
Closing Costs
Mortgage Insurance Other Features
Homeowners Insurance Qualification Analysis
Property Tax Calculators
4 Function
Configuration Solve for Mortgage Value
Select Own Colors Loan Refinance
Select/Modify Printer Driver Points
Up to 3 Permanent Header Lines Daily Interest
Turn off/on Sound Effects Save and Retrieve Client Information
Bypass Logo Screen On-line Manual
Default Report Options On-line Help for each field
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 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
THE ANNUITY ACE (Professional) - PROGRAM FEATURES
Deferred Annuities Immediate Annuities General Features
(Savings, CDs, IRAs) ─────────────────── ────────────────
───────────────────- Payout Methods On-line Manual
Deposit Modes Weekly Easy Menu Driven
Weekly, Bi-Weekly Help For Each Field
Bi-Weekly, Semi-Monthly Sound Effects Off/On
Semi-Monthly, Monthly Choose Own Colors
Monthly, Quarterly Bypass Logo Screen
Quarterly, Semi-Annual Illustrations
Semi-Annual Annual View
Annual Compound Methods Print to Printer
Variable Deposits, Daily (360 or 365) Print to File
Withdrawals & Monthly
Interest Rates Quarterly
Monthly Semi-Annual
Quarterly Annual
Semi-Annual Special Options
Annual Split Annuity
COLA
Compound Methods Other Features
Daily (360 or 365) ────────────────
Monthly 3 Saved Header Lines
Quarterly 3 Saved Footer Lines
Semi-Annual 3 Temporary Footer Lines
Annual On All Pages
Loads On Last Page Only
Initial Deposit Printing
Periodic Deposit 6 or 8 lines per inch
Report Detail Top Margin Adjustment,
Monthly Left Margin Adjustment,
Quarterly Bold Header Lines
Semi-Annual Bold Footer Lines
Annual Bold Titles and Totals
Calendar or Fiscal Auto Condensed Print
Whole Dollars or Cents Use IBM Graphic Char
Cumulative or Not Cum. Save & Retrieve
18 Date Formats Multiple Clients
Special Options Calculators
Tax Sheltered 4 function calculator
Waiting Before Saving Future/Present Value,
No Load vs. Load Amortization
Inflation Adjusted
Accumulate to Age
Cost of Interest
LOAN CHIEF (Professional) - PROGRAM FEATURES
Loan Schedule Reports & Schedules
Payment Modes Loan Charts
Weekly, Bi-Weekly, Semi-Monthly, Amortization Summaries
Monthly, Quarterly, Semi-Annual, Amortization Schedules
Annual Weekly - Annual
Interest Rates Calendar or Fiscal Year
Monthly, Quarterly, Semi-Annual, Cumulative or Non Cumulative
Annual Whole Dollars or Exact Cents
Compound Methods Standalone Early Payoff
Daily (360 or 365), Monthly, Side by Side Early Payoff
Quarterly, Semi-Annual, Annual Comparison
Schedule Detail International Date Formats
Weekly, Bi-Weekly, Semi-Monthly, Pmt Num and/or Date Columns
Monthly, Quarterly, Semi-Annual, View on screen before printing
Annual 6 or 8 Lines Per Inch
Special Options Top and Left Margin Adjustment
Recurring Extra Payment Bold of Headers, Footers, Totals
Variable Payments Auto Condensed Print
Variable Extra Payments IBM Graphic Characters Supported
Double Principal Payment
13 Payments per Year Other Features
Balloon Payments Solve for Loan Value Calculator
Tax Savings Analysis for Mortgages Save & Retrieve Multiple Clients
3 Saved Header Lines
Loan Charts 3 Saved Footer Lines
Solve For Payment Amounts 3 Temporary Footer Lines
Solve For Loan Amounts On All Pages
Solve For Loan Term On Last Page Only
Solve For Interest Rates 1 Title Line
Select Own Colors
On-line Manual
Easy Menu Driven
Help For Each Field
Sound Effects Off/On
Choose Own Colors
Bypass Logo Screen
Reports
View
Print to Printer
Print to File
Set Default Schedule Options
PRICING: U.S. Funds Canadian Funds
The Interest Analyzer $25.00 $32.00
The Mortgage Analyzer $25.00 $32.00
The Debt Analyzer $20.00 $25.00
Annuity Ace (Lite) $15.00 $19.00
Annuity Ace (Professional) $25.00 $32.00
Loan Chief (Lite) $15.00 $19.00
Loan Chief (Professional) $25.00 $32.00
FOR MORE INFORMATION CONTACT:
Insight Software Solutions
P.O. Box 354
Bountiful, UT 84011-0354
Phone: 801 295-1890
Fax: 801 299-1781
BBS: 801 963-8721 (Join Conference #4)
CIS: [71672,3464]
In Canada Contact:
US-CAN Computer Services Inc.
Box 34146, 1200 - 37th STREET S.W.
Calgary, Alberta, T3C 3W2
Phone: 403 243-2393
Fax: 403 243-2396
Orders Only: 1-800-663-1537
Internet: Barry.Dufresne@T8000.CUC.AB.CA