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1995-03-13
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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]