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JCSM Shareware Collection 1996 September
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JCSM Shareware Collection (JCS Distribution) (September 1996).ISO
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debt125.zip
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README
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1995-03-07
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THE DEBT ANALYZER (C) 1992-95
Version 1.25, March 7, 1995
Suggested BBS name, this version: DBT125.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
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To Start: A>DEBT (then press <return/enter> key)
════════════════════════════════════════════════════════════
The Debt Analyzer - Program Overview
HOPELESSLY IN DEBT? Need a systematic way to rid yourself of it? The
Debt Analyzer is the answer! A financial software program designed with
ease and flexibility, it is the perfect tool to help reduce and eliminate
debt. Debt reduction is illustrated through a debt elimination schedule
or through loan consolidation. Up to 20 debts can be processed at one time.
The debt elimination matrix works by analyzing all debt information and
assigning a priority to each debt. Debt information includes minimum
payments, current payments, interest rate and loan balance. Once a debt is
paid off, the payment for that debt is applied to the next highest priority
debt--accelerating the payoff of the debt! You may choose to have the
difference between the current payment and the minimum payment shuffled
around and applied to the highest priority debt. You may also choose to add
an additional monthly amount to your payment--increasing the acceleration
even more! It is the payment acceleration which results in significant
interest savings.
You may prioritize the payoff of your debts in any user specified order.
However, there are 9 predefined priority methods available. These include
"Highest Interest Rate First", "Smallest Balance First", "Largest Balance
First", "Smallest Minimum Payment First", "Largest Minimum Payment First",
"Smallest Current Payment First", "Largest Current Payment First",
"Shortest Term Debt First" and "Longest Term Debt First".
Loan consolidation illustrates the savings that can be incurred by
combining all your high rate debts to one lower rate loan. The term or the
payment of the consolidated loan may be specified or the total of all other
debt payments can be used.
Reports can be viewed on screen, saved on disk or sent to a printer. The
Debt Analyzer is menu driven with an on-line manual and individual help for
each input. All information can be saved and retrieved for multiple
clients. Contains several miscellaneous configuration options for setting
the program up to your individual liking.
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 Interst 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
Interst 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
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 Debt Analyzer can be registered with Insight Software Solutions
with a check, money order, VISA or MasterCard in the amount of $20.00 U.S.
plus shipping and handling. Please refer to the address and phone numbers
listed above. Upon receipt, Insight Software Solutions will send you the
latest version of The Debt 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.