Category : Financial and Statistics
Archive   : ACE100.ZIP
Filename : PRODUCTS.DOC

Insight Software Solutions Product Briefs

THE DEBT ANALYZER

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. All information can be saved and
retrieved for multiple clients.

THE INTEREST ANALYZER

The Interest Analyzer, a financial software package for the IBM PC, comes
complete with a variety of financial tools for calculating Annuities (Sav-
ings, Interest Accumulation), Amortization (Loans, Mortgages), Depreciation,
Immediate Annuities and Calculators for solving for missing values. Each
financial tool contains a variety of options to allow maximum flexibility.
The Interest (Savings) tool allows variable deposit modes, deposits, with-
drawals and interest rates. Professional reports can be generated with
varying detail. Special options are available to illustrate the time value
of compounding and the impact of taxes on savings. The amortization (Loan)
tool allows variable payments, interest rates and compounding methods.
Professional schedules can be generated with varying detail. Special
options are available to illustrate the savings incurred with an early
payoff of a loan and to show tax savings with mortgages. The depreciation
tool allows for a variety of depreciation methods to be illustrated using
different time conventions. The Immediate Annuity tool allows variable
payout modes and compounding methods. Professional schedules are produced.
Professional illustrations and schedules can be viewed on the screen or
sent to a printer. Each financial tool has the ability to save and
retrieve all information entered for multiple clients.

THE MORTGAGE ANALYZER

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)

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 tool allows
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 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 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

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 INTEREST ANALYZER - PROGRAM FEATURES

Interest (Savings, Deferred Annuities, CDs, IRAs)
-------------------------------------------------
Deposit Modes: Weekly, Bi-Weekly, Semi-Monthly, Monthly, Quarterly,
Semi-Annual and Annual
Variable Deposits,
Withdrawals &
Interest Rates: Monthly, Quarterly, Semi-Annual and Annual
Compound Methods: Daily (360 or 365), Monthly, Quarterly, Semi-Annual, Annual
Report Detail: Monthly, Quarterly, Semi-Annual and Annual on either a
calendar or fiscal year basis
Special Options: Automatic Cost of Living Adjustments to deposits, Side by
side comparisons of: tax and non tax sheltered savings,
different rates and waiting before starting to save.

Depreciation
------------
Methods: Straight Line, Life Periods, Annuity, Sinking Fund,
MACRS (200%), MACRS (150%)
Conventions: Annual, Half-Year and 1st Mid Quarter - 4th Mid Quarter

Amortization (Loans, Mortgages)
-------------------------------
Payments Modes: Monthly, Quarterly, Semi-Annual and Annual
Interest Rates: Monthly, Quarterly, Semi-Annual and Annual
Compound Methods: Daily (360 or 365), Monthly, Quarterly, Semi-Annual, Annual
Report Detail: Monthly, Quarterly, Semi-Annual and Annual on either a
calendar or fiscal year basis
Special Options: Side by side comparisons of Recurring Extra Payment,
Variable Payments, Variable Extra Payments, Double
Principal Payments and 13 Payments per year. Balloon
Payments and Tax Savings Analysis for Mortgages.

Immediate Annuities
-------------------
Payout Methods: Weekly, Bi-Weekly, Semi-Monthly, Monthly, Quarterly,
Semi-Annual and Annual
Compound Methods: Daily (360 or 365), Monthly, Quarterly, Semi-Annual, Annual

General Features
----------------
Help: On-line manual, easy menu driven, help for each field
View: Complete Illustration on screen
Print: 6 or 8 lines per inch, top and left margin adjustment,
automatic bolding of titles and totals, automatic
condensed print when necessary, use of IBM graphic
characters, and support of virtually any printer via
printer definition tables
Save & Retrieve: Save and retrieve files (cases)
Header Lines: Up to 3 saved header lines plus one Title Line for each
report
Dates: International Date Formats in Reports
Sound effects: Choose off or on
Colors: Choose own
Logo Screen: Choose to see or bypass
Calculators: 4 function calculator, Interest Calculator: Future
Value, Present Value, Solve for Value, Amortization
Calculator: Solve for Missing Loan Value




THE ANNUITY ACE (Professional) - PROGRAM FEATURES

Deferred Annuities Immediate Annuities General Features
(Savings, CDs, IRAs) ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ- 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) ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ
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














PRICING: U.S. Funds Canadian Funds

The Interest Analyzer $25.00 $32.00
The Mortgage Analyzer $25.00 $32.00
The Debt Analyzer $20.00 $25.00
Annuity Ace (Lite) $15.00 $19.00
Annuity Ace (Professional) $25.00 $32.00





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]

In Canada Contact:

US-CAN Computer Services Inc.
Box 34146, 1200 - 37th STREET S.W.
Calgary, Alberta, T3C 3W2

Phone: 403 243-2393
Fax: 403 243-2396
Orders Only: 1-800-663-1537
Internet: [email protected]