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Insight Software Solutions Product Briefs THE DEBT ANALYZER PLUS (WINDOWS) HOPELESSLY IN DEBT? Need a systematic way to rid yourself of it? The Debt Analyzer is the answer! Now the techniques used by banks and credit counselors can be used in the comfort of your own home. You can produce debt elimination and loan consolidation schedules which can illustrate hundreds of dollars in potential savings. How does debt elimination work? Each of your debts is given a priority. Each month, your payments are made to each debt. Once one debt is paid off,then that payment is then applied to the highest priority debt. This accelerates the payment on the highest priority debt. The loan acceleration is what produces the interest savings. Several options are available which can help accelerate and optimize your debt elimination schedule. These include "using minimum payments", applying "extra payments" and selecting one of nine predefined "priority methods". The loan consolidation schedule is designed to take all your current debt information and combine it into a single new loan. How does it work? Loan consolidation assumes that the new loan has an overall lower interest rate than your existing debts. This results in lower overall payments and less interest paid. The Debt Analyzer allows you to create loan consolidation schedules and will determine the amount of money you can save by doing so. A variety of options are available to tailor the loan consolidation to your specific needs. These include the ability to specify the term or payment of the consolidated loan or the sum of all debt payments may be used as the consolidated loan payment. THE MORTGAGE ANALYZER (DOS) 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) (DOS) 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) (DOS) 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 (DOS) 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. Save and retrieve for multiple clients. THE DEBT ANALYZER PLUS - PROGRAM FEATURES (WINDOWS) Debt Elimination 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 Months To Pay Highest Interest Rate First Interest To Pay Smallest Balance First Interest Saved With Consolidation Largest Balance First Consolidated Loan Schedule Smallest Minimum Payment First Largest Minimum Payment First Reports Smallest Current Payment First Schedules, Charts and Summaries Largest Current Payment First Calendar or Fiscal Year Shortest Term Debt First Cumulative or Non Cumulative Largest Term Debt First Whole Dollars or Exact Cents User Defined 18 Date Formats--International Incl Debt Payoff Schedule Headers & Footers Debt Payment Schedule Select Configuration Defaults Debt Payment Chart Select Fonts & Styles Debt Payment Summary Months To Pay Save, Retrieve and search multiple Months Saved scenarios for the same Client, Interest Paid friend or family member. Interest Saved Requires Windows version 3.1 THE DEBT ANALYZER - PROGRAM FEATURES (DOS) 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 (DOS) 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 ANNUITY ACE (Professional) - PROGRAM FEATURES (DOS) 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 (DOS) 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 --DOS PRODUCTS-- The Mortgage Analyzer $25.00 The Debt Analyzer $20.00 Annuity Ace (Lite) $15.00 Annuity Ace (Professional) $25.00 Loan Chief (Lite) $15.00 Loan Chief (Professional) $25.00 --WINDOWS PRODUCTS-- The Debt Analyzer $15.00 The Debt Analyzer Plus $25.00 Shipping & Handling $3.00 (First Class Mail) $5.00 (Priority Mail) $5.00 (Air Mail - overseas) 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]