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PsL Monthly 1993 October
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PSL Monthly Shareware CD-ROM (Public Software Library) (October 1993).iso
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ah_02
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1993-08-06
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AH-02: Loan Amortization, Taxes, and Other
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0126 Investments/Retirement Planning Small Programs Disk
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Duration (DURATIO)
is a bond analysis program. BASIC is required.
Ginnie
Selden, Murrell
$?
performs calculations related to the value of "Ginnie Mae's".
In-Fidelity 5.2 (INFIDEL)
Penner, Les
$15
uses your IBM PC or IBM compatible to automate the process of calling into
"FAST", the Fidelity Automated Services Telephone. This service of Fidelity
Investments allows the user of a touch-tone telephone to obtain prices and
balances of his Fidelity mutual fund accounts or USA Brokerage account. FAST
also allows transfer of funds from one account to another or from a prearranged
bank account to a fund.
0126 Retirement Planning
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Finance
Ford, Nelson ASP
$0
calculates present value, future value, return on investment, loan comparisons
and amortizations and more.
IRA-Calc (IRA-CAL)
calculates the future value of IRA payments.
RetPlan
Bartow, Lee
$?
lets you plan for your retirement. You enter the number of years until
retirement, amount of annual savings, interest rate, amount you wish to withdraw
each year, expected inflation and tax rates, and it prints tables to the screen
showing how many years your savings will last.
TMoney 2.01
Horst, Gale R.
$?
will calculate the costs involved in finding the present or future value of a
single payment, help meet your savings or retirement goals, and the amount of
money needed to support future withdrawals over a specified period of time. We
have some similar programs already, but we liked the approach used by this one.
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END OF SMALL PROGRAMS DISK #0126
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1332 Home, Financial Analysis Small Programs Disk
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Call
analyzes puts and calls.
CredCard 4.0 (CREDCRD)
Kupfer, Robert E.
$15
keeps track of your credit cards and will print a form letter to each credit
card company if your cards are lost or stolen. It can even dial the company's
phone number over your modem. The program is not very slick, but it is
functional, and a lot cheaper than paying a credit card service to do the same
thing.
Home Basis Record Manager 1.4 (HOMEBAS)
Gellman, Robert
$25
will help you keep track of the basis (or cost) of your home, condos,
etc. Most people do not give this much thought, but sooner or later, you
have to pay the tax man, and if you have kept records of your cost, you
can substantially reduce the tax bill.
Home Inspector rev.B (HOMINSP)
North Shore Home Inspections, Inc.
$25-$100
aids a prospective home buyer in objectively evaluating a house's condition. All
of the major sections of the home are covered including electrical, plumbing,
heating/AC, basement, roof/attic, garage, general interior, and much more.
MYM Volume Analyzer 1.0 (MYMVOL)
Schwartz, Samuel
$0
is a utility for Managing Your Money that will compute the dollar volume
charged on each charge card since the beginning of the year. This information
would be useful to compare how much you charge on each of your cards.
Rental Tracker 1.0 (RENTRAK)
Data Answers
$15
allows you to keep records by tax category for a single rental property.
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END OF SMALL PROGRAMS DISK #1332
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2674 Home Loan Amort.& Analysis Small Programs Disk
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Home Loan Qualifier (HLQ)
Schmidli, Ron
$5-$20
will help individuals and realtors determine realistically how much house one
can afford. The only input required is Gross Annual Income, Monthly Debt
Obligations, the current Annual Interest Rate on Mortgages, and the term or
length of the loan in years. The author of this program is a licensed realtor.
Loan_db_Manager 2.3 (LOANDBM)
Soft Solutions
$25
is a loan analysis program. It has a pop-up calculator, equity calculation, and
two-loan comparison. It has a very slick, smooth integrated interface and is
easy to use.
Mortcalc (MORTCAL)
Telemacus
$?
You are presented with four windows that let you perform different types of
mortgage calculations: mortgage payments, mortgage amount, present value and
future value.
Mortcost 4.0 (MOCOST)
Quinn, Terry and Joann
$7-$25
is a mortgage analysis program that also analyzes the effect of interest points
and income taxes. Requires BASIC or GWBASIC.
Mortgage Mgr. 1.1 (MORTMGR)
Baum, William
$35
is a financial program for personal recordkeeping of mortgage and escrow
accounts. It will track up to 99 mortgage accounts per year, and will print
reports on payments, interest/principal, principal balance, current escrow
amount, yearly interest paid (for tax purposes), total amount of interest paid
to date, and various lender information.
Personal Financial Planner (PFP)
World's Finest Software
$0
is a financial planner for loans, mortgages, investments, and budgets.
Financial analysis programs are one of the types of software that we see tons
of every month and rarely add new ones unless they are particularly good. This
one is. For example, the home loan analysis section takes into account the
sale of your old house, closing points, insurance and taxes on the new house,
and even the agent's commission on your old house. Data can be saved and
recalled and easily changed.
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END OF SMALL PROGRAMS DISK #2674
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Amortize
Rowe, J. Gordon
$20
#7108/1798
is a loan calculation and amortization program. Yes, we already have a lot of
amortization programs, and almost blew this one off without looking at it
because of the rather moribund description of the program in the accompanying
letter. However, the program has some very nice touches, not the least of which
is the ability to save and recall different amortization schedules. Plus, we
just like the "feel" of how this program works.
Amortization Table
Pfannenschmid, Harold F. ASP
$15-$20
#7108/1546
is a good dedicated amortization program. It features bi-weekly (26 payments per
year) schedules, interest-only loan schedule, principal-only payments, up-front
interest points, additional loan charges and optional APR calculations. You even
have the option of printing a schedule with only year end interest and principal
totals. The disk also contains a calendar program that will print month/year
calendars.
The author tells us that he has purchased a retail loan amortization program
with which to compare this program and has also had banks run test schedules
for comparison. As a result, he feels that this program is at least as good as
programs costing many times more than this one.
Homebuying and Refinancing
Byers Software ASP
$30
#7108/2512
(formerly BuyAHome) is an outstanding home purchase planning program. It
determines total yearly costs (PITI, points, insurance, expenses, and more),
after-tax costs and present value costs for fixed rate, ARM, PLAM, and
Two-Step mortgages. It also handles prepayments, and rates a home buyer's
chances of loan approval.
Other features include an analysis of refinancing, analysis of buying versus
renting, escalation of income, file saving and recalling of data and results,
pop-up pick lists, customized report cover page, and user definable loan
qualification criteria. This is the best home loan analysis program we have
seen. We suspect that it would be good enough for loan institutions and other
such professionals, yet it is easy enough for anyone to use, walking you
through each step of the program. The output is clear and contains very useful
information.
Financial Calculation
Khobey Software
$20
#7109/1396
is a menu driven program that can calculate the following: inter