Finance

Windows 3.x » Desktop » Finance

A_Line of Credit W

Version:	1.1
Summary:	Mortgage Comparison
License:	Shareware
Email:	drummond@melbpc.org.au
Homepage:	http://pec.digitalchainsaw.com/
Download:	alocw110.zip (Oct 24 1997, 1.1M)
Description:	A_Line of Credit W v1.1.0 is a Mortgage Comparison Program which enables a simple means of comparing a Principal and Interest Mortgage with a Revolving Line of Credit as the means of purchasing your home or a residential investment property. Simple to use with context sensitive "on-line" help and free telephone support. Includes facilities to completely dissect your existing or anticipated P&I loan.

AutoLease Advisor

Version:	1.1
Summary:	Vehicle Leasing Guide
License:	Shareware
Author:	Stephen McGloughlin, MediaQ
Email:	MediaQ@jps.net
Homepage:	http://www.jps.net/MediaQ/
Download:	autoleas.zip (Dec 1 1997, 4.9M)
Description:	AutoLease Advisor is an easy-to-use guide to help anyone intending to lease a vehicle make sense of this complex process. With comprehensive help and guideance, this program could save the user much money and anguish. Features include extensive lease terminology explaination, on-line help at every step, leases explained in a simple FAQ format, lease suitability gauge, comparison to conventional loan financing, and much more.

Bank Book

Summary:	Organize transactions, accounts
License:	Shareware
Author:	Marek Kosznik, PrimaSoft PC
Email:	support@primasoft.com
Download:	am_bb50.zip (Jul 8 1998, 292.4K)
Description:	Bank Book for Windows gives you an easy way to gather and organize information about all your accounts. The Bank Book includes fields for transaction name, category, amount, comment, date, etc. It allows an unlimited number of entries and automatically sorts them. Features: -Notebook-like interface; -Intuitive, easy-to-use, very fast, and small; -Easily search for information; -Define filters to display only selected records; -Print reports from the program; -Display summaries; -Export/import data to/from ASCII file.

BFS3X

Summary:	Budget database, mortgage & investment planner
License:	Shareware
Author:	William W. Odlum
Email:	willo@pathcom.com
Download:	bfs3x320.zip (Oct 26 2000, 303.4K)
Description:	Budget for Success Win3 v3.2 provides comprehensive calculations, projections and graphs for planning your budget...shows where savings could be made to reduce your expenses. Features databases for your data. This program will help the user to plan his/her mortgage...shows how to save tens of thousands of dollars over the life of your mortgage. All types, regular, accelerated and prepayments. Also assists in planning your savings...shows compounded growth of savings applied to an investment. Excellent On-Line Help guides you through each program feature.

BIGBIZ

Summary:	Checkbook accounting for new business and home
License:	Shareware
Requires:	SVA monitor. 10MB hard drive space. 16MB RAM.
Email:	del@hooked.net
Homepage:	http://www.wenet.net/~del/easy.htm
Download:	bigbiz.zip (Jun 24 1997, 2M)
Description:	Let Chairman of the Board save all of your home or business accounting information for easy sorting and totals. Beautiful scenes, screens and checkbook appearance makes "work" more fun. Multiple files supported with convenient backup steps.

BLACK

Summary:	Evaluate call&put option (Black&Scholes model)
Download:	black2.zip (Apr 8 1996, 5.4K)

Car Lease Calculator

Version:	3.1
Summary:	Determine lease info
License:	Shareware
Author:	Kevin Davey, KJ Software
Email:	kjsoftware@aol.com
Homepage:	http://members.aol.com/kjsoftware/
Download:	lscalc31.zip (Jan 3 1999, 240.3K)
Description:	Car leasing can be very confusing for the novice leaser. How do you really know what kind of deal you're getting? How do you know what price you're paying for the car, since some dealers talk only about payment? The Car Lease Calculator helps you become informed. Of the 7 items that determine your lease payment, you enter any 6 into The Car Lease Calculator and the program solves for the unknown value. With this program, you can check to see if your dealer is being upfront, or you can see what items you should work on during negotiations. The Car Lease Calculator was written so that you can be solving leases within minutes of installing the program. To help you along, there is a full context sensitive Help system, a "getting started" section in the help file and a sample case, which also is included in the help system.

Commodity Trader's Helper

Summary:	Futures reference
License:	Shareware
Author:	Fred L. Mullen (Fred L. Mullen)Contact t
Email:	todd@alberts.com
Homepage:	http://www.alberts.com/
Download:	tdhp3s10.zip (Aug 10 1997, 734K)
Description:	This is commodities futures reference software. Samples of the definitions, examples and references are included. Topics include charting, hedging, options, spreads, market orders, price terms, market terms, trading topics and references (many references include phone, FAX, e-mail and web). Charting includes terms on Bar, Candlestick and Point and Figure.

Compare the Banks

Summary:	Loan/mortgage comparisons
License:	Shareware
Email:	slaney@melbpc.org.au
Download:	ctb2231.zip (May 13 1997, 194.8K)
Description:	Looking for the best loan? Home (Mortgage), Personal or Business. "Compare the Banks" loan comparison and selection software compares and ranks loans. Includes up front fees, ongoing fees, interest rates and early termination fees in the analysis. Calculates comparison rates (APR's). Also assists in deciding whether to refinance. Easy to use. For home or professional use.

CSTW

Version:	2.3
Summary:	Complete child support record keeping system
License:	Shareware
Email:	danrose@cyberhighway.net
Homepage:	http://www.cyberhighway.net/~danrose/sw.html
Download:	cstw23.zip (Aug 3 1997, 944.5K)
Description:	Child Support Tracker v2.3 features Year 2000 compliancy, information and transaction databases, import information database data into transaction database entries, eleven information database sorting options, eight video reports, eight print reports, four mailing label options, 22 database search engines, mailing label utility, and complete, illustrated online help.

Daytrader

Version:	1.12
Summary:	Stock Trading Assistant
License:	Shareware
Author:	John Cowan, Cowan Software, Ltd.
Email:	jc@cowans.net
Homepage:	http://cowansoftware.com/
Download:	daytr112.zip (Feb 4 2000, 551K)
Description:	The Daytrader v1.12 is a full featured stock portfolio management program designed to assist the Internet stock trader with record keeping, particularly with regards to tax records. Sells are matched with buys and tax records generated by the tax year. Long and short tax positions are sorted out so that a sell that generates both long and short liabilities is properly reported. Multiple portfolios can be maintained if desired. Default account information can be entered for each portfolio so that buy and sell expenses are automatically factored in. The program can run as a toolbar so that entries can be made while other windows are operative.

Debt Blaster

Summary:	Rapid debt reduction
License:	Shareware
Email:	debtblas@debtlaster.com
Homepage:	http://www.debtblaster.com/
Download:	dblast11.zip (Jul 2 1997, 382K)
Description:	Debt Blaster is a Windows program that shows you how to get out of debt fast and save thousands of dollars in interest charges. Debt Blaster is so simple to use that anyone can create a rapid debt repayment plan within a matter of minutes. Debt Blaster allows any combination of credit cards and loans, to include home mortgages. You simply enter the name, annual percentage rate, balance and monthly payment for each of your debts and...Debt Blaster does the rest. Debt Blaster analyzes your data, performs hundreds of calculations and determines the best method for paying off your debts. You get an easy to read monthly payment schedule that forecasts when you will be completely out of debt. It shows you exactly how much to pay each creditor each month. Debt Blaster also lets you do "what-if" type calculations.

DEBTFREE

Summary:	Debt elimination and wealth building software
Email:	chases@infinet.com
Homepage:	http://www.infinet.com/~chases/fic/dfdemo.html
Download:	debtfree.zip (Sep 11 1997, 1.3M)
Description:	Debt Elimination and Wealth Building Software. Simply enter your debts and let DebtFree do the rest. You'll easily and graphically see exactly when your Debt-FREE & Prosperous Living plan will have you completely out of debt - including your mortgage - and how your former debt payments can add up to tremendous investment wealth. Freely distributable demo.

DEBTW30E

Version:	3.0e
Summary:	Reduce and eliminate consumer debt and save
License:	Shareware
Email:	info@wintools.com
Homepage:	http://www.smartcode.com/debt/
Download:	debtw30e.zip (Jul 9 1997, 643.2K)
Description:	Debt Analyzer v3.0e builds debt reduction, timed elimination or consolidation schedules. Handles up to fifty debts at once. Use minimum payments (percentages too), current payments or accelerated. Nine priority methods or define your own. Set budget, variable extra payments. Daily, monthly, calendar and graph reports.

EBOND

Summary:	Calculates Series E Savings Bond Values, Etc.
License:	Shareware
Author:	Gil Friese
Email:	gilf9@aol.com
Download:	ebond16.zip (Jun 17 1999, 25.4K)
Description:	CALCULATES the VALUES of Series E (bought before 7/80) Savings Bonds. Program can be accurate for decades without upgrades. Also calculates each bond's guaranteed rate, yield-to-date, final maturity date, next 12 month's returns, after-tax proceeds if sold, return needed from replacement to = bonds' performance, & months to sell. ebond16.zip has replaced ebond13.zip and ebond15.zip.

EEBOND

Summary:	Calculates Series EE Savings Bond Values, Etc.
License:	Shareware
Author:	Gil Friese
Email:	gilf9@aol.com
Download:	eebond34.zip (Jun 17 1999, 21.2K)
Description:	Calculates the values of Series EE (bought after '79) Savings Bonds. Program can be accurate for decades without upgrades. Also calculates each bond's guaranteed rate, average market-based rate, yield-to-date, next 12 month's return, after-tax proceeds if sold, return needed from replacement to bonds' performance, & months to sell. eebond34.zip has replaced eebond31.zip and eebond33.zip.

ETAX

Summary:	EASITax W2 and 1099 software
License:	Shareware
Author:	Greg Adams, EASI
Email:	GregAdams@EASIAmerica.com
Homepage:	http://www.EASIAmerica.com/
Download:	etax2000.zip (Nov 1 2000, 3.9M)
Description:	EASITax is a fast and easy way to fill out and print 1099 and W2 forms and transmittals. Repeats payer data on each form, fast edit mode, multi-company and multi-copies, prints on IRS standard laser or multi-part forms. Included formats are: 1099-Misc, 1099-Int, 1099-Div, 1099-R, 1096 transmittal, W-2, W-3 transmittal. This full working Shareware version prints "sample" along with all of your normal information on printed output until a registration password is entered. Every other feature is fully functional.

EZ Loan Manager 97

Version:	4.20
Summary:	Loan and mortgage manager
License:	Shareware
Requires:	Microsoft Windows 3.1 or higher. VB40016.DLL (available from Simtel.Net as vb40016.zip)
Email:	gxc2@po.cwru.edu
Homepage:	http://gsanet.com/www/Joy/
Download:	ezl97g16.zip (Jun 7 1997, 1.2M)
Description:	EZ Loan Manager 97 for Windows 3.1 v4.20 provides a very easy and flexible tool for you to evaluate and manage your loans and mortgages. EZ Loan Manager has the ability to handle fixed, adjustable or biweekly loans and helps the user with the option to save interest money with early extra payments. If the loan is paid early, EZ Loan Manager will show how much interest is saved. Free upgrade for registered users.

Financial Planner

Version:	1.6
Summary:	Plan, loan amort
License:	Shareware
Author:	Jack Hegarty
Email:	JLHegarty@aol.com
Download:	fplan16s.zip (Jul 9 1999, 294.5K)
Description:	Financial Planner performs loan amortization and supports additional principal payments monthly, annually, or a one time infusion. Demonstrates how to save significant amounts of interest and shave several years off a typical mortgage with only $50 to $150 per month. Calculates payment for various fixed interest loans including: auto, boat, credit card debt, refinance, equity loan. Displays equity in current mortgage. Includes loan qualification program which displays how much an individual qualifies for depending on income, debt, interest rates. Financial planner also models investment/retirement accounts including: 401k, deferred compensation, mutual funds, IRA's, CD's, savings. Determines how much you need to save to reach a retirement or savings goal. Allows investment in several types of accounts for 401k, deferred compensation, and IRA. (Ex: mutual fund, money market, other interest bearing). Adjusts for income tax liability in applicable accounts. Payout program displays how much a retirement nestegg pays out and for how long.

FPRETIR

Version:	2.0
Summary:	Family Retirement Planner v2.0
License:	Shareware
Email:	kurt@finplan.com
Homepage:	http://www.finplan.com/
Download:	fpretir2.zip (Jul 12 1997, 1.4M)
Description:	Family Retirement Planner is a retirement planning model program. It is used to prepare a complete personal retirement plan. Input sections step you through data entry. The program includes many pre-formatted reports and graphs as well as an Asset Allocation Worksheet, which help to determine how your retirement assets should be invested. One new feature to the software is the What-if analyzer. This section of the program allows you to change key input variables and immediately see the results of the change in your plan.

HomeBuyer 2

Summary:	The Home Buying Kit(TRIAL)
License:	Trialware
Author:	Steve Lyons, Stratosphere Publishing
Email:	slyons@stratopub.com
Homepage:	http://www.stratopub.com/
Download:	home200.zip (Dec 29 1997, 986.8K)
Description:	HomeBuyer helps you determine if renting or owning is better for you, calculate your house hunting price range, compare and graph different loan packages. HomeBuyer also helps you organize your housing search and prioritize your housing needs. But there is more to buying a house than calculations and lists. The online book takes you from the renting versus-owning-decision through house hunting, purchase offers, until you finally close escrow. And the state-by-state database provides a wealth of home-buying information for every state in the nation.

ICXLA

Summary:	Compare 2 investments w/graphs. Excel add-in
Download:	icxla.zip (Jun 5 1996, 43.7K)

Informatik CheX

Summary:	Check printing
License:	Shareware
Requires:	VBRUN300.DLL (available from Simtel.Net as vbrun300.zip).
Email:	info@informatik.com
Homepage:	http://www.informatik.com/
Download:	autchk12.zip (Aug 23 1997, 141.5K)
Description:	This program prints checks drawn on your customers' bank account, as pre-authorized by customer. Ideal for collecting amounts due, recurring charges, etc. Prints on blank paper with MICR code and authorization language. Creates log file and comma-delimited file for import to databases.

INSCHK

Summary:	Check writing and credit card encryption
License:	Shareware
Download:	inschk30.zip (Nov 12 1998, 492.3K)
Description:	Instant Check does everything you need to to write or receive a check. It is easy to set up and use, even has an on line walk through to get you started. Prints standard checks 8.5" by 3.0 to 3.75" with or without tare off stubs. New for v3.0 is the credit card encryption program. Allowing your customer to encrypt their credit card number and email it to you. Now you can take checks over the phone, by fax, and e-mail. You can even send them fax and e-mail. Pay all your bills and keep records of all transactions and a running balance. Keeps logs and records of all incoming checks.

inTer!

Summary:	Scient., trigonometric calculator
License:	Shareware
Email:	lis.sch@usa.net
Homepage:	http://www.volftp.vol.it/IT/IT/ITALIANI/CAZORZI/index.htm
Download:	int710.zip (May 27 1997, 638.3K)
Description:	inTer! (16 bit) v7.10 - Mathematic - financial functions. Special, unique financial function: allows the calculation of the interest rate of complete irregular cash flows. Complex and vectors calculations. Reverse Polish Notation (8 stack registers that may be seen in a separate window). It's a part of einSTein.

ITK3X

Summary:	Saving, Investment, Retirement, Mutual Funds
License:	Shareware
Author:	William W. Odlum
Download:	itk3x320.zip (Oct 26 2000, 364.1K)
Description:	Investors Toolkit Win3 v3.2 is a comprehensive personal financial program that provides calculations, projections and graphs for: Saving, Investing, Retirement, Net Worth, Mortgages, Loans, Stocks, 401(k) Plans, Mutual Funds. A database management system records all transactions, tracks and graphs investment performance. Covers all stages of a person's financial life. Excellent On-Line Help guides you through each program feature.

LNPLS

Summary:	Loan analysis program for Windows
License:	Shareware
Author:	Karl Thompson (Pine Grove Software).
Download:	lnpls216.zip (Dec 27 1996, 912.3K)
Description:	LoanCalculator! Plus 2.0 <ASP> [MS Windows 3.x]: Fast, flexible, easy to use loan analyzer. Fill-in-the-blank interface. Includes 7 calculators: loan, amortization (new), refinance, remaining balance, accelerated payments, interest due & balloon payment. Run multiple copies of a calculator for immediate, on screen comparisons. Print results or paste all info to any other Windows program. International currencies supported. Calculates interest saved due to extra payments. LoanCalculator! Plus is designed to help you analyze loans and to compare different financing strategies. Supports advanced features such as Rule-of-78s, fixed principal payments, points and irregular length initial periods. This new version of Loan*Calculator! Plus represents a major update for one of the company's most popular programs. This is truly 'user designed software'. Nearly all of the new features were added as the result of requests made by users during countless conversations since the program's initial release in 1995. Includes Uninstall feature. 32-bit Win95/NT version also available.

Loan and Mortgage

Summary:	Amortization calculator
License:	Shareware
Author:	Philippe Gingras, FELITEC Inc.
Email:	pgingras@felitec.com
Homepage:	http://www.felitec.com/lam.html
Download:	lam11a.zip (Feb 25 1998, 426.6K)
Description:	Loan and Mortgage amortization calculator. For each payment of a loan or mortgage, calculates amortization detail information such as Payment Interest, Payment Capital, Interest to Date, Capital to Date and Loan Balance. Select the columns you want to see and the order in which you want them to be displayed. Choose between printing the complete amortization table, a specific range of payments or a simple summary. Have any number of tables opened at a time for convenient comparison of their contents. Choose between Daily, Weekly, Bi-Weekly, Monthly, Quarterly, Semi-Annually and Annually for each, the interest capitalization and payment frequency. Loan and Mortgage is very simple and intuitive to use, it includes context sensitive help and financial problem examples with step by step instructions to solve them. The Getting Started section gets you familiar with the software quickly.

Loan Calculator

Version:	2.1
Summary:	Calculate,amortize loans
License:	Shareware
Author:	Kevin Davey, KJ Software
Email:	kjsoftware@aol.com
Homepage:	http://members.aol.com/kjsoftware/
Download:	lncalc21.zip (Jan 3 1999, 141.6K)
Description:	Loan Calculator is an easy to use application which solves for and prints out amortization schedules. Simply enter values for any three of the following four items: 1. Principal (Loan Amount) 2. Interest Rate 3. Number of Payments 4. Monthly Payment Then, press 'Solve' and the result is highlighted. Unlike some applications which can only solve for certain variables (such as the monthly payment), Loan Calculator is smart enough to solve for the unknown value, whatever it is. Once the result is determined, Loan Calculator will let you print out an amortization schedule to your default Windows printer.

Loan Table Maker

Version:	1.1
Summary:	Calculate,compare loans
License:	Shareware
Author:	Kevin Davey, KJ Software
Email:	kjsoftware@aol.com
Homepage:	http://members.aol.com/kjsoftware/
Download:	ltcalc11.zip (Jan 3 1999, 138.1K)
Description:	Looking for a loan? Loan Table Maker can help. Simply enter the number of months, up to 5 loan amounts and up to 5 interest rates, and Loan Table Maker does the rest. It creates a table of all the possible combinations of monthly payments. Then you can print out the table or copy it to the clipboard to import into your favorite word processing program.

Market Graph

Version:	1.0
Summary:	Plots SEZ format ASX data
License:	Freeware
Requires:	PC 386 or better. SEZ format ASCII data files.
Email:	genius2@ozemail.com.au
Homepage:	http://www.ozemail.com.au/~genius2/
Download:	mgraph10.zip (Jun 13 1997, 36.8K)
Description:	Market Graph v1.0 produces close price and volume charts of any company contained within SEZ format data files. The trading data for a particular day can be displayed by positioning the mouse on the chart. The averages of the complete data file are also calculated and stored to produce a market index chart. Percentage change in market index is displayed for selected day.

MBM

Version:	7.03a
Summary:	Monthly Bill Manager 16-bit v7.03a
License:	Shareware
Email:	marchale@aol.com
Homepage:	http://members.aol.com/MarcHale/
Download:	mbm16.zip (Aug 25 1997, 998.4K)
Description:	MBM is a fully functional bill manager and budgeting program for home and business use. Track and budget all of your bills, credit cards, loans, savings account, and checkbook information on a monthly basis. Add your own register groups to track any type of incoming and outgoing money. MBM will show a full status on screen at all times where and how your money is being spent, over/under budget for a given bill. Also how much you owe and how much you will still owe on next check and what you will have left over after all bills are paid. When most people setup a budget they write down all bills and the amount due on a piece of paper, add everything up then figure what can be paid. Basically that is what MBM does for you. You can set up your own bill names or use existing bill names (categories). Then you can insert them into your monthly budget. Once you have done this the first time you will never have to do it again... just let MBM do the rest for you. At the end of the month you will close out which will reset all of your budget information.

MFW

Summary:	Everything you need to know about mutual funds
License:	Shareware
Requires:	Windows 3.1 or later.
Email:	moonlightsoftware@compuserve.com
Download:	mfw30.zip (Jun 1 1997, 1.3M)
Description:	MUTUAL FUNDamentals For Windows v3.0 provides everything you need to know about mutual funds: what is a mutual fund, history, advantages, selecting a mutual fund, glossary of terms and more. Contains names, addresses, toll-free phone numbers, sales charges, redemption fees, expense ratio, ticker symbol, minimum investment requirement, yearly return data since 1985, annualized return for one-, three-, five-, and ten-year periods, and a summary of each funds' investment objective. A clean and simple user-interface makes MUTUAL FUNDamentals For Windows very easy to use.

MI

Summary:	Portfolio Mgmt & Technical Analysis System
License:	Shareware
Author:	Stephen Williams, Owl Software
Email:	owlsoft@owlsoftware.com
Homepage:	http://www.owlsoftware.com/
Download:	mi402.zip (Dec 3 1999, 1M)
Description:	Master Investor (MI) Version for Windows is a Portfolio Management and Technical Analysis program for individual investors, financial advisors and money managers. MI includes comprehensive portfolio management for up to 1000 portfolios of stocks, bonds, options, mutual funds, cash accounts, other assets and liabilities. MI's 20+ reports provide complete tracking of security transactions, capital gains, unrealized gains, interest, dividends, reinvestments, net worth, asset allocation, etc. The custom report generator allows creation of reports based any one or more portfolios. The ability to combine portfolios, such as all retirement (IRA, 401K, pension, etc.) portfolios, allows users to maintain the detailed records needed for tax purposes without losing sight of the bottom line. MI includes extensive charting capabilities for performing technical analysis. Users can create price/volume charts with moving averages, stochastics, on-balance volume, relative strength index, MACD, trend analysis, ratio cantor and correlation analysis. Other analyses include asset allocation, return-on-investment, return-on-value, portfolio IRR, and more. Charts and portfolios are easily updated. MI can download current price/volume data directly from the Internet to update charts and reports (requires Winsock Internet connection). MI can also import price/volume data files in a wide variety of predefined as well as user defined formats.

Modern Speculator Junior

Summary:	Investment program
License:	Freeware
Email:	ddsoft@aol.com
Homepage:	http://members.aol.com/ddsoft/
Download:	msj.zip (Apr 19 1997, 169.9K)
Description:	Modern Speculator Junior (version: Mar97) is a very compact Freeware investment program for calculating options, warrants, futures, and bonds including zerobonds. 100% mouse operated. What-if-when trials. Scrolltables with projected data for all possible interest rates or underlying prices. Switch with a mouseclick from English to German or French. Detailed English and German manual as <Write> file.

Money Jars

Summary:	Budget/money control program
License:	Shareware
Download:	mnyjar1.zip (May 6 1997, 161.3K)
Description:	This is a modern-day program of an old-fashioned concept. Create budget categories (jars), with automatic adjustment for differing budget periods, (i.e. weekly for food, monthly for rent, annual for Christmas, etc.) Then automatically allocate your pay check deposit to your various budget categories in accordance with your overall budget. Easy modification of budget categories, budget amounts and balances in each budget category. Sample budget categories and easy on-line help and tutoring. Uploaded on behalf of the author. Gene H Dyer, Dyer's Enterprises genedyer@compuserve.com Contact the email address above for technical support.

Mortgages

Version:	1.0
Summary:	Qualify, prepay, refinance and sell
License:	Shareware
Requires:	None. (Separate versions exist for Win 3.1 and Win 95).
Email:	rszypulski@aol.com
Download:	hswr3110.zip (Apr 26 1997, 123.4K)
Description:	House Ware v1.0 is a single-screen format program that crunches numbers for all phases of a mortgage. A Qualification screen helps immediate buyers, while the Prepayment, Refinance and Selling screens are useful at other times. Features a "rate-of-return" field on the Prepayment screen that lets you compare the investment aspect of prepayment with other options. A "target" feature allows you to choose a future date and see what prepayment amount will retire the loan by then. Gives number of months required to recover costs. The Qualification screen allows for assessment factors, tax millage and debt ratios.

MW52H-

Summary:	US, Cdn & other mortgages, lumpsum pmts. Free
License:	Freeware for non commercial use.
Download:	mw52h-16.zip (May 10 2000, 848.9K)
Description:	This nice, intuitive program can calculate payments, remaining balance, amortization period, interest rate and affordable amount. Amortization schedule is in scrollable spreadsheet format with screen splitting and formatting capabilities. Payment distribution can be displayed in tabular form, in various reports and pie, line and bar charts. The program does Canadian, American and foreign mortgages. On line Help and a manual are included. The program can be upgraded to a registered edition, which features additional editing and customization features. Nice screen displays and printouts.

MYM2Q

Summary:	Translates Managing Your Money (MYM) to QIF
License:	Shareware
Author:	Ranny Meier, Response Mechanics, Inc.
Email:	Ranny@RespMech.com
Homepage:	http://www.RespMech.com/
Download:	mym2q534.zip (Jun 24 1999, 1M)
Description:	MYM2QIFW v5.34 - A MS Windows program that converts MYM DOS Ver 9 thru 12, MYM WIN Ver 1 thru 2.1, BankAmerica, and NationsBank data to Quicken Interchange Format (QIF); including Money, Portfolio, and Linked accounts, all Transfers, Category and Account Allocations in Splits, Account and Category descriptions, and CFree payments. Supports optional linked CMAs in Quicken and MS Money. The resulting QIF files can be imported into Quicken or MS_Money. A specified date range can be output, to facilitate routine processing of data retrieved from online banking service. MYM2QIFW has an option, for the MYM Windows translation, to write all of the data to one QIF file, which when imported into Quicken will create all accounts, categories, and transactions.

PFINAN

Summary:	Collection of eight personal finance programs
License:	Shareware
Author:	Carl G. Hooper, Bent Tree Software
Email:	bhooper@primeline.com
Homepage:	http://www.benttreesoftware.com/
Download:	pfinan12.zip (Jan 25 2000, 262.9K)
Description:	This program is a 16-bit version of this collection. It will run under Win 3.x, 95, 98, and 2000. This program includes the following individual programs: a fixed sum annuity or pension payout schedule; auto loan calculators; a financial statement form; a time-value of money invested schedule; a portfolio tracker for stocks and bonds; a fundamentals tracker for stocks; a program which shows you your investment requirements for retirement goals; and an annuitization schedule for savings. Printouts are professional looking and may be used by financial planners as most programs contains a "prepared by: " area. Financial planners may also use this collection of programs to advise clients concerning savings goals, annuity and pension payout alternatives, the time- value of money, and retirement financial issues.

QKSTK

Summary:	Auto AOL->Quicken AOL->Fund Manager AOL->Excel
License:	Shareware
Requires:	WAOL 3.0 Windows or Windows 95 and an AOL account.
Email:	rmoore@rjsoft.com
Homepage:	http://RJSoft.com/
Download:	qkstk38.zip (Jul 14 1997, 355.5K)
Description:	With QuickStk you can: * It will automatically redial until it connects to AOL * Automatically update your Quicken for Windows versions 4-6 portfolios * Automatically update your Fund Manager files * Automatically download AOL portfolios or Stock Lists to import into programs such as EXCEL. * Run a Flash Session automatically when updating to capture waiting messages, post messages or download waiting files. * Easily and automatically track lists of securities quickly from Yahoo.com via AOL which gives you a much more rich detailed price quotes. * Schedule automatic updates

RETCAL

Summary:	Retirement Income Calculator
Download:	retcal14.zip (Jul 28 1996, 66.3K)

Retirement Planner

Version:	13
Summary:	Calculate funds/budget
License:	Shareware
Author:	Gene H. Dyer
Email:	genedyer@compuserve.com
Download:	retire13.zip (Oct 18 1998, 269.4K)
Description:	The Retirement Planner has three parts. The first calculates the current day dollar value of your retirement nest egg at your retirement age using your age data (birth year, retirement age, life expectancy), current financial data, growth rates, and projected inflation rates. The program subtracts any desired Estate (used as a cushion in case your projections were in error) from your nest egg. The second part calculates the funds necessary for major maintenance items during your retirement which would not be a part of a normal budget (you may neet to replace your roof at least once if you retire for twenty years). These are also subtracted from your retirement nest egg. The program then calculates the maximum current day dollar amount that you can spend each month during your retirement, without leaving anything for the undertaker, and a graph shows how your nest egg grows prior to your retirement, is depleted during retirement, and leaves your planned Estate. Third, it aids you in developing a budget, consistent with your allowed spending rate. This includes automatic adjustments for differing budget accounting periods, ie/ weekly for food, monthly for rent. You may also track your budget before you spend it by allocating all income to your various budget accounts and letting you see if you have accumulated funds in a specific account before you spend it.

SENGLE's MyMoney

Version:	1.0
Summary:	Personal Financial Mgr.
License:	Shareware
Requires:	800x600 video resolution, mouse.
Email:	sengles@msn.com
Download:	semymv10.zip (May 22 1997, 3.3M)
Description:	SENGLE's MyMoney v1.0 is a personal financial manager. The program is designed to help balance your personal finances by displaying income, expenses and the balance in One Week, Two Weeks, One Month, Six Months and One Year intervals. What makes SENGLE's MyMoney so helpful, is that it really is easy to use, and works on a simple premise: How much money do you make? How much money do you spend? How much money do you have left over? Take control of your finances today.

StockQuest

Version:	2.20
Summary:	StockQuest: Stock price analyzer
Download:	stckwz22.zip (May 6 1996, 90.4K)

SURVWR

Summary:	Cash simulator to help survive a cash crisis
License:	Shareware
Email:	73330.1774@compuserve.com
Download:	survwr10.zip (Sep 30 1997, 904.3K)
Description:	The purpose of the program is to help the struggling entrepreneur get advanced warning of cash flow problems, and deal with them when they arrive. Most small companies run into cash flow problems at one time or another. SurvivalWare is designed to help the struggling entrepreneur get advanced warning of a cash crisis, and deal with it when it comes. You enter information about receivables, collections, projected sales, payment obligations, and extraordinary events that may or may not happen (e.g. a big sale or a bank loan). SurvivalWare performs a simulation in which sales, time to collect, and extraordinary events are treated as random variables, and sampled from probability distributions. The result is a probabilistic forecast of cash inflows. This is compared to a tabulation of specific cash obligations and shown graphically. The "PP Score" graph tells you week by week what the probability is that you will be able to meet your obligations. This tells you whether or not you have a problem over the forecast horizon (usually 13 weeks). Then the "Cash Excess / Shortfall" graph tells you what the magnitude of the problem is at various levels of confidence. The Payments Editor lets you experiment with different payment strategies (e.g. do payroll on time, but pay everyone else 7 days late), and see the impact on your Cash Excess / Shortfall position.

TDSK3S

Summary:	Commodities futures reference
License:	Shareware
Author:	Fred L. Mullen (Fred L. Mullen)
Email:	todd@alberts.com
Homepage:	http://www.alberts.com/
Download:	tdsk3s10.zip (May 10 1997, 726.7K)
Description:	Annabec Business Services, Inc. presents a preview of a commodities futures reference. A complete list of trading terms from the full version is included. Samples of the definitions, examples and references are included. Topics include charting, hedging, options, spreads, market orders, price terms, market terms, trading topics and references (many references include phone, FAX, EMail and Web). Charting includes terms on Bar, Candlestick and Point and Figure. Full version Available in both Windows 3.1 (TDSK3F10.ZIP) and 95 (TDSK9F10.ZIP) formats.

TELCHK

Summary:	Check writing utility
License:	Shareware
Email:	EasyDesk@aol.com
Download:	telchk.zip (Apr 11 1997, 178.5K)
Description:	Receives checks over the phone, by fax, and e-mail. Can also send checks via fax and e-mail. Keeps records of all transactions and a running balance. Also keeps logs and records of all incoming checks. Prints standard checks 8.5" by 3.0 to 3.75" with or without tear-off stubs.

TI123W 1-2-3

Summary:	Portfolio mgt. and charting for Windows
Download:	ti123w32.zip (Jul 26 1996, 439.9K)

TOQCKN

Summary:	Cnvrt AOL/CIS prices to Quicken's CSV format
Download:	toqckn17.zip (May 29 1996, 59.2K)

TPSBUD

Version:	1.0
Summary:	Monthly budget tracker
License:	Shareware
Requires:	Win 3.1 recommended (works great with Win95)
Email:	djschnur@centuryinter.net
Download:	tpsbud11.zip (Mar 30 1997, 482.3K)
Description:	TPSBUD v1.0 helps you keep track of your monthly home budget. It is set up in a speadsheet grid consisting of 13 columns (Jan - Dec & Total) and 50 rows. All Rows are called Categories. These are completely user definable. You can have 45 Expense and 5 Income categories. Add amounts spent/income to the categories by calculator keys or keyboard. Totals can be calculated by column month - row year - month/row yearly total. No bells and whistles to learn; just straight budget control. Unique help system without invoking Windows Help System. Easy to learn, average learning curve 15 mins.

Ultra Checkbook

Version:	1.0
Summary:	Checking account manager
License:	Shareware
Requires:	Paradox for Windows 5.0.
Email:	Rdfgoalie@aol.com
Download:	ucheck10.zip (Jun 8 1997, 26K)
Description:	Ultra Checkbook v1.0 for Paradox for Windows 5.0 is a checking account management program that allows users to produce activity reports and view graphically how their money is being spent. The program features point-and-click help and automatic printer setup. There is no limit on the functionality of this Shareware version. The registered version provides additional features, including the management of multiple accounts, graphical check writing forms, and a hard copy user's guide.

Universal Mortgage and Loans

Summary:	Mortgage utility
License:	Shareware
Author:	William W. Odlum
Email:	willo@pathcom.com
Download:	uml3x320.zip (Oct 26 2000, 297.2K)
Description:	Universal Mortgage and Loans Win3 v3.2 is a comprehensive personal mortgage program that provides calculations, projections and graphs for mortgages of every type and frequency of payment: Monthly, Semimonthly, Biweekly, Weekly, Biweekly Accelerated, Weekly Accelerated, Additional Payments, Car Loans, and Personal Loans. Compare up to twelve different schedules at once to determine which is best for your needs. Can save you tens of thousands of dollars in interest over the life of your mortgage. Includes a Mortgage Affordability feature to quickly find unknown values of Time, Principal or Principal + Interest payment. Open and save calculations to and from disk. Excellent on-line help guides you through each program feature.

Value Trend Indicator

Summary:	Personal financials
License:	Shareware
Author:	William W. Odlum
Email:	willo@pathcom.com
Download:	vti3x520.zip (Oct 26 2000, 357.6K)
Description:	Value Trend Indicator Win3 v5.2 is a comprehensive personal financial program that provides calculations, projections and graphs for saving, investing, retirement, stocks, 401(k) plans, and mutual funds. Compare and determine the value of company share prices and recognize growth stocks and mutual funds in advance of the market. A database management system records, tracks and graphs individual stocks, mutual funds and all popular stock market indices such as the Dow Jones Industrial Average. Excellent On-Line Help guides you through each program feature.

VBAR

Version:	1.02
Summary:	Visual Basic Accounts Receivable
License:	Shareware
Author:	John W. Magno, BetaSoft.net
Email:	jwmagno@aol.com
Homepage:	http://www.betasoft.net/
Download:	vbar102.zip (Nov 18 1997, 1M)
Description:	Visual Basic Accounts Receivable v1.02 is an accounts receivable system for Visual Basic programmers. Use as a development starting point in written business applications which involve accounts receivable tracking. Registered users receive VB source code as well as royalty-free distribution. Very friendly and menu-driven with extensive "on-line" context-sensitive help. Visual Basic Accounts Receivable produces numerous reports including aging, invoice and payments journal, and even prints customer labels, all of which can be modified using Crystal Reports. Handles unlimited invoices, customers, and payments. A great little system which has been thoroughly tested.

WBD00A

Summary:	Winbond 2000a for Series EE bonds
License:	Shareware
Author:	Bob Stech
Email:	bstec2231@cs.com
Download:	wbd00a.zip (Jul 6 2000, 626.8K)
Description:	Winbond 2000a is a Windows application to track and valuate Series E, EE and I bonds. Provides import capabilities to convert from other files, export tool to interface to other applications. Quicken interface, multiple bond files, owner info, up-to-date bond redemption tables issued by the Department of the Treasury, and reporting, including a 20 year projection of bond values. Sold bond history can also be maintained. Redemption rates starting with Mar, 2000.

Winbond-E 2

Summary:	Track/valuate Series E bonds
License:	Shareware
Requires:	VBRUN300.DLL (available from Simtel.Net as vbrun300.zip).
Email:	72103.2170@compuserve.com
Download:	wbe72.zip (Oct 30 1997, 524.3K)
Description:	Winbond-E v7.2 is a Windows application to track and valuate Series E bonds. Winbond for Series EE bonds also available. Provides import capabilities to convert from other files, export tool to interface to other applications like Quicken, multiple bond files, owner info, up-to-date bond redemption tables issued by the Department of the Treasury, and reporting, including a 20 year projection of bond values. Sold bond history can also be maintained. Redemption rates starting with Nov 1997. Special requirements: Win 3.1, Win 3.11, or Win 95

WinCharging 2

Summary:	Credit Card Manager
License:	Shareware
Requires:	Win3.x or Win95, 4MB RAM.
Author:	John L Salisbury (My Little Realm Enterp
Download:	wincrg23.zip (Apr 5 1997, 1M)
Description:	WinCharging v2.3 <ASP> - Still the credit card manager of choice for people who want to regain control of their financial world. It displays outstanding amounts; monitors credit limits and target amounts; charts, displays and prints all kinds of reports; and much more. V/2.3 comes with printable User Guide; default categories; new feature on Monitor; is Year 2000 compliant. Find out why software reviewer Bob Gollihur said, "While some money management programs have modules for handling credit card usage, the level that WinCharging goes to is astounding, making it a superior monitoring tool. After all, what we don't know about our credit card usage can hurt us."

WINFIN

Version:	4.72
Summary:	Financial Analysis For Windows
License:	Shareware
Author:	Russell C. Anderson, Gjetaas, Inc.
Email:	Chloris@Alumni.UMich.edu
Homepage:	http://home.att.net/~russellcanderson/
Download:	winfin47.zip (Jun 24 1999, 485.3K)
Description:	Financial Analysis For Windows v4.72 is a collection of 19 modules, each dealing with a different type of financial area. These include Mortgage, with Amortization, Retirement Planning Lease, Goal Saving, Bonds and Notes, Bond Portfolio, T-Bills, CD's and BA's, Portfolio Hedge with Options, Black-Scholes Option analysis, Cash Flow Analysis (IRR). In additon, there are Annuity, Compound Interest, Random Number Generator, Days Between Dates, Calculator and Calendar modules. All modules have a common user interface where the unknown to solve for is selected, data entered and "Calculate" to display a detailed list of computed parameters. There are tables and graphs generated for "What-If" analysis. This program is appropriate for anyone involved with the combination of time and money. Individuals with a home mortgage, an investment portfolio, or planning retirement, bond brokers or investors, businesses with leases, investors with variable cash flows and many others will find this program useful.

WMS3X

Summary:	Saving, Investment, Retirement, Mutual Funds
License:	Shareware
Author:	William W. Odlum
Email:	willo@pathcom.com
Download:	wms3x10.zip (Jul 8 2000, 356.4K)
Description:	Wealth Management System v10.0 - A comprehensive personal financial program that provides calculations, projections and graphs for: Saving, Investing, Retirement, Net Worth, Mortgages, Loans, Stocks, 401(k) Plans, Mutual Funds. A database management system records all transactions, tracks and graphs investment performance. Covers all stages of a person's financial life. Excellent On-Line Help guides you through each program feature.

WSSW

Version:	2.00
Summary:	Wall Street trading and investment simulator
License:	Shareware
Download:	wssw20.zip (Jul 10 1997, 1.3M)
Description:	Wall Street Simulator v2.00 is a realistic trading simulator designed to teach the user how to invest in the stock market. Make trades, review your performance, and then print your results. Use simulated prices or retrieve market prices directly from the Internet using any standard Internet connection. Full version stores historical price information for export and analysis. Special reduced registration price for students. Uploaded on behalf of the author. Lawrence S Schopfer, Larax Software info@larax.com Contact the email address above for technical support.

Zilch

Version:	1.3
Summary:	The Rapid Debt Reduction System
License:	Shareware
Author:	Michael J. Riley, Practical Applications
Email:	mrzilch@aol.com
Homepage:	http://www.debtblaster.com/
Download:	zilchw13.zip (Nov 29 1997, 413.1K)
Description:	Zilch v1.3, the Rapid Debt Reduction System, is an easy to use Windows program that shows you how to get out of debt fast and save thousands of dollars in interest charges. Zilch is so simple to use that anyone can create a rapid debt repayment plan within a matter of minutes. There is no need to be a financial wizard. Zilch allows any combination of credit cards and loans, to include home mortgages. You simply enter the name, annual percentage rate, balance and monthly payment for each of your debts. Zilch analyzes your data, performs hundreds of calculations and determines the best method for paying off your debts. You get an easy to read monthly payment schedule that forecasts when you will be completely out of debt. It shows you exactly how much to pay each creditor each month. Zilch also lets you do "what-if" type calculations. For example: How much money would I save if I added an extra $10 a month to my credit card payment? How long would it take to pay off my mortgage if I added an extra $150 a month? How much would I save? Changes. Additional features added.

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Last updated: 07/05/03