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THE DEBT ANALYZER (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 mortgage input screen contains
Loan Type (Conventional, FHA, VA), 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,
mortgage insurance, 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. Also
available is Buy vs Rent, Lease vs Sell, Tax Savings and Refinance analysis.
Includes solve for missing loan value calculator, loan refinancing, daily
interest, FHA down payment and points calculators. Save and restore
multiple clients.

THE MORTGAGE ANALYZER PROFESSIONAL (DOS)

It adds the ability to maintain 15 customizable loan plans and to
customize the loan qualification ratios and to customize mortgage
insurance defaults for Conventional, FHA and VA loans. You can create
HUD-1 good faith closing estimates using over 35 closing fees plus 2
user defined fees. The ability to compare 3 loans at once is also
available. Supports optional footnotes and "date of printout" on
reports.

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 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 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.

ALL SmartTracker Programs (Windows)

Each program contains a scrollable Viewer similar in appearance to a
spreadsheet layout which lists the database elements. The viewer will
grow and shrink with the size of the window. CONFIGURE the Viewer to your
personal preference. Select only those database elements that you plan
on using or that you want to see to appear in the viewer. Specify the
order in which they appear and specify the space to allocate to each
element. Advanced search options places items matching search criteria
into the Viewer. Ascii delimited import/export operations are available
with complete configurability on which items and in which order to import
or export. Limit exports to only those items found in a search. Configure
the colors for all elements of the windows for all windows or for specific
windows. DESIGN your own reports! Add as many report layouts as you like.
Select either a 90 column report for large legible reports or a 120 column
report to pack as much information on the page as possible. Each database
element can be spread out over a maximum of 12 lines. Place labels, blanks
and database items where you want them to be. Allocate the desired space
for the labels, blanks and database items. Optionally add up to 3 header
lines to appear on each page. Optionally place totals which will appear
after each report group and at the end of the report. Optionally place
page numbers on each page. For one line reports (columns of data),
optionally choose to have automatic column headers placed on the report.
Choose from among any True Type font that is on your system. View reports
on screen or send to printer or ascii file. Print one page or entire
report.

SmartTracker VIDEOS (Windows)

Track, Organize and Catalog your Video collection. Enter a multitude of
information about your Videos in an extremely easy and straight
forward fashion including the following items: Content (Movie, TV,
Home Video), Format, Category, Rating, Personal Rating, Sound, Picture,
Record Speed, Title, Stars, Producer, Director, Released By, Year Released,
Tape Number, Counter Start, Counter Stop, Noise Reduction, Surround Sound,
Play Time, Laser Format, Oscar Nominations, Oscar Awards, Close Captioned,
THX, Key Words, List Price and Summary. Modify the Category, Rating and
Personal Rating lists to your personal liking. Advanced search facility
gives you the ability to search on Title, Stars, Producer, Director,
Released By, Year, Category, Rating, Personal Rating, Media Number, Key
Words, Content, Oscar Nominations, Oscar Awards and Summary. Comes with
numerous report layouts with the ability to create and edit your own.
Reports can be sorted by Title, Category, Rating, Year, Personal Rating
or Media Number. Reports can be applied to the entire database or to just
those items found in a search.

SmartTracker BOOKS (Windows)

Track, Organize and Catalog your book collection. Enter a multitude of
information about your books including subjects (key words), descriptions,
cost, value, location--even allows you to track books that you have lent
out to friends. Enter book information in an extremely easy and straight
forward fashion including the following items: Book Type, Category,
Personal Rating, Location, Title, Author, Publisher, Year Published, Cost,
Value, ISBN, Date Purchased, Where Purchased, Volume, Issue, Edition,
number of pages, catalog number, key words, checkout, checkout date,
checkout person and Description. Modify the Category, Personal Rating and
location lists to your personal liking. Advanced search facility gives you
the ability to search on Title, Author, Publisher, Year Published, Where
Purchased, ISBN, Category, Key Words, Description, Location, Book Type,
Checkout Status and Personal Rating. Create 1 line, 2 line or multi-line
reports sorted by Title, Author, Category, Location, Book Type or Personal
Rating. Reports can be narrowed down to one Category, Book Type, Location
or Personal Rating. View Reports on screen or print to Printer.

SmartTracker INVENTORY (Windows)

Track, Organize and Catalog your personal possessions for insurance
purposes, net worth or just for being able to locate your belongings.
Enter a multitude of information about your personal possessions in an

extremely easy and straight forward fashion including the following items:
Category, Location, Owner, Item, Brand, Model, Serial #, Quantity, Date
Purchased, Where Purchased, ID Marks, Warranty, Warranty Expiration Date,
Warranty Notes, Cost, Value, Replacement Cost and Comments/Description.
Modify the Category, Location and Owner lists to your personal liking.
Advanced search facility gives you the ability to search on the Item Name,
Brand, Serial #, Description, Location, Category, Owner and Warranty.
Create 1 line, 2 line, multi-line and value summary reports sorted by Item,
Location, Category or Owner. Reports can be narrowed down to one Category
Location or Owner. Optionally include insurance information on the reports
including insurance company, policy number, date of printout, and more.

SmartTracker STAMPS (Windows)

Track, Organize and Catalog your Stamp collection. Enter a multitude of
information about your stamps in an extremely easy and straight
forward fashion including the following items: Country, Topic, Condition,
Stamp Type (Regular, Commemorative, Coil, etc), Group (Single, Se-tenant,
Block, etc), Cancellation, Face, Cost, Market Value, Description,
Year, Catalog Number, Comments, Quantity, Gum, Faults, Hinged, Color and
Date Acquired. Indicate special stamp features such as Overprint,
Precancel, Surcharge, First Day Cover, Souvenir Card, Postal Card and Pen
Cancellation. Modify the Country and Topic lists to your personal liking.
Help included for identifying the country of origin for a large range of
stamps. Clear explanations are given for many stamp topics including
stamp conditions, groupings, types and more. Advanced search facility
gives you the ability to search on Description, Country, Face Value,
Catalog, Comments, Year, Topic, Stamp Type, Group or Condition. Create 1
line, 2 line or multi-line reports sorted by Country, Topic, Condition,
Stamp Type, Catalog Number or Group. Reports can be narrowed down to one
Country, Topic, Condition, Stamp type or Group.

SmartTracker COINS (Windows)

Track, Organize and Catalog your Coin collection. Designed to be easy
enough for the beginner and complete enough for the experienced. Enter a
multitude of information about your Coins in an extremely easy and
straight forward fashion including the following items: Country, Category,
Condition, Face Value, Purchase Price, Market Value, Premium Value, Mint
Mark, Description, Comments, Year Minted, Quantity and Date Acquired.
Indicate special coin features such as Commemorative, Controller Coin,
Key Coin, Semi Key Coin, Gold and Silver. Modify the Country, Condition
and Category lists to your personal liking. Help included for identifying
the country of origin for common inscriptions. Explanations are given for
many coin topics including coin conditions, controller coins, commemoratives
and more. Information is included on U.S. mint marks, U.S. controller coins
and more. Advanced search facility gives you the ability to search on
Country, Face Value, Comments, Year, Category, Mint Mark, Comment,
Description, Special Features or Condition. Comes with numerous report
layouts with the ability to create and edit your own. Reports can be
sorted by Country, Topic, Condition, Year or Face Value. Reports can be
applied to the entire database or to just those items found in a search.

Windows Word Search Rampage

The Multi-Media ready Windows Word Search Rampage comes complete with over
300 puzzles that can be played right on the computer or can be printed out
for activities, parties, friends or family. Each puzzle has its own name
and falls under one of several categories. Playing a puzzle is easy and
fun. Simply double click on the puzzle of your choice from a list box and
the puzzle appears along with a list of words to be found in the puzzle.
Once a word is spotted, click on the first letter of the word and hold the
mouse button down. As you drag the mouse a line appears showing your
movement. Drag the mouse to the ending letter of the word and release the
mouse button. Behold, the word in the puzzle is highlighted, one of
several congratulatory audio remarks will be heard, and the word in the
list will be marked as found. Playing at work? No problem. You may
optionally turn the sound off. Sure that the word is not in the puzzle?
Well, you can activate the hint mode. Other options include the ability
to time yourself as you play the puzzle, use upper or lower case letters,
place a grid around the puzzle for better clarity, leave used letters
in the puzzle highlighted and to place background bitmaps on the playing
screen. You may create, edit and delete your own puzzles. Simply enter
a topic, title, list of words and dimensions and push a button. Presto,
the puzzle is created and you now have the option of saving it to disk
where it will appear with the other puzzles in the list box. You may
also vary the complexity level of the created puzzle. An option to to
create puzzles with no diagonal words, less diagonals, average diagonals
and more diagonals is also available. Printing options include upper or
lower case letters, optional grid and full page printing or half page
printing (left side, top page, 2 side by side, 2 up and down).

Crossword Construction Kit (Windows)

The Crossword Construction Kit features the unique ability to create
puzzles in fun shapes. It includes over 25 predefined puzzle shapes
(diamonds, donuts, trains, etc) and includes the ability to create
unlimited new shapes. Teachers, students, publishers and puzzle fans will
be able to put more flare and pizzazz into their puzzles. The Kit can
create puzzles up to 30 x 30 in size. Simply select a shape, enter your
words and clues, enter a title and click on the "Create Puzzle" button.
Words and clues can be imported from a text file. A variety of print
options are available including printing answer keys, selecting fonts for
clues and answers, selecting gray or black filled boxes and viewing the
puzzle before printing.

Word Search Construction Kit (Windows)

The Word Search Construction Kit features the unique ability to create
puzzles in fun shapes. It includes over over 25 predefined puzzle shapes
(circles, apples, hearts, etc) and includes the ability to create unlimited
new shapes. Teachers, students, publishers and puzzle fans will be able to
put more flare and pizzazz into their puzzles. The Kit can create puzzles
up to 30 x 30 in size. Simply select a shape, enter your words and title,
select the word directions and click on the "Create Puzzle" button. Words
can be imported from a text file. A variety of print options are available
including selecting upper or lower case letters for the puzzle, printing an
answer key, placing a grid around the puzzle letters, selecting fonts for
puzzle letters and word list, sending the puzzle and words to an ASCII file
and viewing the puzzle before printing.

Smart Address (Windows)

Smart Address is a powerful Address Management package for Windows.
Features include multi-page "tabbed" presentation with a host of fields
all with user-defineable labels, many user customisable fields, Direct
Links to any WordProcessor, Mail-Merge Data File Creation, Modem Support,
Envelope and Label Printing, Mail-Shot capabilities, Reminder systems,
drop down point&shoot calendars, callbacks, tabbed dialogs, dialling,
very user configurable, User defined notes, MDI, sophisticated searching,
Import/Export, Full context sensitive Windows Help. Tooltips and much
much more! Very fast and comprehensive but extremely easy to use.

Smart 'n Sticky (Windows)

Smart 'n Sticky provides labeling capabilities for Windows with amazing
power in a small and very fast package, thanks to the provision of FULL
OLE CLIENT SUPPORT - giving you the ability to add objects created by
packages such as Corel Draw, MS WordArt and hundreds more! Smart 'n Sticky
is very easy to use with MDI (multi-window) presentation, Undo, Mark &
Revert, Bitmaps, Metafiles, TrueType with rotation & justification, Color
Graphics, Serial Numbers, Date & Time fields, import from ASCII & DBF,
vast range of Avery and other predefined labels or add your own, toolbar,
status bar, small & fast (not VB) and much much more!

SmartDoc (Windows)

This simple utility allows you take a Windows Help File and either extract
all the text from it into a plain-text file, or print the whole thing
including graphics. Either way, armed with a binding strip you can make
yourself some nice manuals!

SmartSum (Windows)

SmartSum is a Windows based emulation of the traditional printing
calculator / adding machine found in so many business environments all
the way from the multi-national to the small office / home office.
Anyone with a requirement to add up a sequence of figures, such as Visa
slips or daily takings will instantly know how valuable a tally-roll
with the ability to check back can be. However the Window's environment
has also allowed us to add some very nice features that the traditional
printing calculator simply cannot do. For example, you can go back and
correct an entry that you keyed in wrongly, insert an additional item
that you missed out, or delete an item you accidentally entered twice,
none of which are possible with the traditional item. And SmartSum can
(optionally) say the digits as you enter them too so there is no need to
look up to ensure correct keying. Calculations can be titled, and saved
and reloaded later for review, and the sequence continued. It may be
that with this ability the requirement to actually print the tally-roll
at the time will no longer exist, but of course that is possible if
required using any Window's supported font.

Subtotals can be incorporated and removed at will, and there is the
ability to "tick-off" each entry when checking work. As with the
traditional machine there is the ability to select a particular number
of decimal places of accuracy. However, with SmartSum if you change
the decimal accuracy the whole sequence of calculations is repeated
and rounded at the new precision. A "currency" mode is also available
which assumes two decimal places and automatically inserts the decimal
point at the correct place. "Tax" buttons makes the calculation of
sales taxes simplicity itself. Given a Tax-Exclusive price you can
calculate the Tax-Inclusive price, or vice-versa. A macro facility is
provided which allows the recording of repetitive calculations, and a
number of useful macros such as unit conversions are provided. There
is an interface to Excel or any other spreadsheet, and clipboard
support to allow copying of the tally roll to another application. The
colors used by SmartSum are also configurable. There is a comprehensive
Help File, and unlike the calculator applet supplied with Windows
SmartSum can correctly calculate 2.01-2.0 !