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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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financal
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README.TXT
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1996-01-27
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Introduction to
FINANCIAL AUTHORITY, Version 1.2b
Shareware, freely distributable
Contact (e-mail): cbutton@halcyon.com
(C) Copyright 1994-96 by Conrad Button's Software
TABLE OF CONTENTS
SUBJECT PAGE NUMBER
---------------------------------------------------------
Installation ....................................... 2
Overview ........................................... 3
Limited Warranty ................................... 9
Copyright & Registration ........................... 10
Page 2
INSTALLATION
WARNING: You must have a copy of VBRUN300.DLL in your WINDOWS\SYSTEM
directory before proceeding with this installation! If you do not have
this file, download it from HTTP://WWW.HALCYON.COM/CBUTTON/WELCOME.
Your diskette contains a SETUP program which will automatically
install all of the files and libraries on your hard drive.
To install FINANCIAL AUTHORITY:
1. From the Windows Program Manager select FILE, then select RUN.
2. Type and Enter A:SETUP (or B:SETUP).
SETUP will then run. It will expand all of the compressed files
on the diskette and place them in their correct directories. A
new FINANCIAL AUTHORITY Program Group and its icon will be added
to Program Manager.
If the following error message should occur during SETUP: "Cannot copy
file XXXX.XXX" where XXXX.XXX is any file name such as DDEML.DLL,
VER.DLL, MMSYSTEM.DLL, etc. then, CLOSE ALL PROGRAMS THAT ARE CURRENTLY
RUNNING BEFORE YOU RUN SETUP (only Program Manager should be running)!
Then run SETUP. Should this fail to solve the problem, delete the
current version of "XXXX.XX" and then run SETUP again.
OVERVIEW Page 3
FINANCIAL AUTHORITY is a financial analysis program which contains
seven investment modules:
1. Loan Amortization - The options for a fixed rate loan include:
required monthly payment, amount which can be borrowed, highest
affordable interest rate, true interest when points are charged,
years required to repay loan, balloon payments, accelerated
payments (both interim or for the duration of the loan). A
schedule (monthly or annual) for cumulative interest paid,
principal paid, and remaining balance can be printed to the screen
and to a printer. A graph of Remaining Loan Balance versus Years
can also be displayed and printed.
2. Annuity - The options for an immediate annuity (withdrawals
start immediately and continue until the annuity is depleted)
include: income, required amount, life of the annuity, rate of
interest earned. An annualized schedule of interest earned and
remaining balance can be printed to the screen and to a printer.
A graph of Amount Remaining in the Annuity versus Years can also
be displayed and printed.
OVERVIEW (continued) Page 4
3. Fixed and Periodic Investments
Fixed Investment Growth - Options for a lump sum investment
include: value of investment at maturity, required initial
investment, years required to reach goal, or interest rate
required (the interest can be compounded daily, monthly,
quarterly, semiannually or annually). Comparisons of tax free,
taxed deferred, and fully taxed investments can also be performed.
Periodic Investment Growth - Investments can be made weekly,
biweekly, monthly, quarterly, semiannually, or annually. Options
include: value of all investments at maturity, required periodic
investments, years required to reach goal, required interest rate;
interest can be compounded daily, monthly, quarterly,
semiannually, or annually.
Diversified portfolios in which fixed or periodic investments are
made can be evaluated. Annualized schedules of interest earned and
current values can be printed to the screen and to a printer.
Graphs of total investment value versus years can also be
displayed and printed.
OVERVIEW (continued) Page 5
4. U.S. EE Bonds - The options for EE savings bonds include:
create or edit a file of currently owned EE Bonds (serial numbers,
denomination, and purchase date); evaluate your savings bond
portfolio (current or future value) based on U.S. Treasury
guaranteed minimum interest rates; print (to screen and printer)
your portfolio of bonds, including minimum value of each bond and
a total minimum value for the entire portfolio. The minimum total
value of your portfolio may be projected over any future time
period (e.g., the values between 1995 and 2005). This projection
may be displayed as a data table or as a graph, on your screen and
on your printer.
5. Mutual Fund Analysis - Evaluates the performance of a mutual
fund over a user-specified time period. Three measures of
performance are produced:
a. Growth of Annual $1000 Investments
b. Growth of an Initial $10,000 Investment
c. Average Annual Compounded Return
Page 6
Data, readily obtainable from the mutual fund's prospectus, is
entered by the user and then analyzed to generate the performance
measures for each year of the desired time period. Output may be
directed to the screen and to a printer. A graph of each of the
three performance measures versus years can also be displayed and
printed.
6. Retirement Planning - Inflation during your retirement years
must be considered in your retirement planning. This program
allows you to test various rates of inflation to determine the
lump sum investment that you will need at retirement, the amount
that you can withdraw each year from an anticipated pool of money,
and the number of years until your investments are depleted. A
schedule, showing your required income, annual withdrawals,
remaining balance, and interest earned, may be printed to the
screen and on a printer. A graph of the remaining balance versus
years can also be displayed and printed.
Page 7
7. Assets Database - A database of your current assets (e.g.,
stocks, bonds, CD's, etc.), number of shares, and share prices can
be created and saved for future reference. Total values for each
asset, portfolio percentages, and total value of the entire
database can be calculated, printed, and displayed graphically as
either pie or bar charts.
** ADDITIONAL TOOLS **
1. GRAPHICAL PLOTS may be displayed for any schedule. Pie and bar
graphs for your portfolios or current assets can also be
displayed. All graphs may be printed or copied to the Windows
Clipboard.
2. A pop-up MATH CALCULATOR allows you to perform simple
arithmetic calculations (+, -, x, /, %).
3. A pop-up DATE INTERVAL CALCULATOR allows you to determine the
number of days, the number of weeks, the number of months, and the
number of years between any two selected dates.
Page 8
4. A PERPETUAL CALENDAR may be displayed and optionally printed.
5. A COPY TO CLIPBOARD option is available on all schedules
printed to your screen. Highlight all or a portion of the
displayed schedule, select "Copy" from the FILE Menu, and the
selected text can then later be pasted into any other Windows
application (e.g., Word for Windows, WordPerfect for Windows,
Windows Write, Charisma, etc.). Any graphical plot may also be
copied to the Clipboard.
6. EXAMPLE CALCULATIONS are just a mouse click away; they may be
viewed by simply clicking on the word "Example".
******* LIMITED WARRANTY ******* Page 9
If a damaged disk has been received from Conrad Button's
Software, the Purchaser may obtain a replacement disk providing
the damaged disk is returned to Conrad Button's Software within
thirty days of the invoice date.
EXCEPT AS PROVIDED ABOVE, CONRAD BUTTON'S SOFTWARE DISCLAIMS ALL
WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED
TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, AND ACCURACY OF CALCULATED OUTPUTS, WITH
RESPECT TO THE PRODUCT. SHOULD THE PROGRAM PROVE DEFECTIVE, THE
PURCHASER ASSUMES THE RISK OF PAYING THE ENTIRE COST OF ALL
NECESSARY SERVICING, REPAIR, OR CORRECTION AND ANY INCIDENTAL OR
CONSEQUENTIAL DAMAGES. IN NO EVENT WILL CONRAD BUTTON'S SOFTWARE
BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING WITHOUT
LIMITATION DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS
INTERRUPTION, LOSS OF BUSINESS INFORMATION AND THE LIKE) ARISING
OUT OF THE USE OR THE INABILITY TO USE THIS PRODUCT EVEN IF
CONRAD BUTTON'S SOFTWARE HAS BEEN ADVISED OF THE POSSIBILITY OF
SUCH DAMAGES.
Use of this product for any period of time constitutes your
acceptance of this agreement and subjects you to its contents.
Page 10
COPYRIGHT and REGISTRATION
FINANCIAL AUTHORITY is (C) Copyright 1994-96 by Conrad Button's
Software. If you are not a registered user, a registration fee of
$25.00 (U.S. funds) should be sent to:
Conrad Button's Software
20230 Lake Riley Rd.
Arlington, WA 98223
You will be receive a personalized copy of the latest registered
version.
PLEASE USE THE REGISTRATION FORM ON THE NEXT PAGE.
** Site Licenses are available, please contact us for details. **
------------------------------------------------------------------
Conrad Button's Software, 20230 Lake Riley Rd, Arlington, Wa 98223
Please register me as a user of FINANCIAL AUTHORITY.
Send me the latest REGISTERED version.
I enclose payment of $25.00 (U.S. Funds).
NO Credit Cards are accepted. Foreign orders add $1.00 for postage.
(This program requires a 3.5" HIGH DENSITY diskette drive.)
Name ___________________________________________________
Address ___________________________________________________
___________________________________________________
___________________________________________________
I received the ShareWare version of FINANCIAL AUTHORITY from:
CONRAD BUTTON'S SOFTWARE (http://halcyon.com/cbutton/welcome)
Press <PrntScrn> to print this form.